{ "metadata": { "transaction_key": "deprecated", "request_id": "6ecca134-efd8-420e-aaad-8fa0cad2b73b", "sha256": "7b1b4cf9cabdf5206822126db6af7261fd6cc15c4c2f35b3451d1fb6cf5b7e0c", "created": "2025-10-30T20:02:46.512Z", "duration": 1648.1176, "channels": 1, "models": [ "1abfe86b-e047-4eed-858a-35e5625b41ee" ], "warnings": null, "model_info": { "1abfe86b-e047-4eed-858a-35e5625b41ee": { "name": "2-general-nova", "version": "2024-01-06.5664", "arch": "nova-2" } }, "summary_info": null }, "results": { "channels": [ { "search": null, "alternatives": [ { "transcript": "Welcome to Tech Talk. Bye. CT. Tea. Welcome to CDT's Tech Talk, where we dish on tech and Internet policy while also explaining what these policies mean to our daily lives. I'm Brian Wasilowski, and it's time to talk tech. Today, we'll be talking about privacy and data. First we'll take a look at how states are filling the void when it comes to shaping pro privacy policies for internet users with the federal government failing to address privacy and in some cases eroding existing protections for consumers And then we'll shift our focus to a sector where data can improve our lives the financial sector We would all likely welcome some support in managing our finances But as fintech becomes more prevalent and new services pop up who ultimately has control of our financial data? Is it the banks, or is it us, the consumers? For privacy advocates, twenty seventeen certainly has not been a banner year when it comes to federal privacy legislation to protect consumers and Internet users. There hasn't been much movement on pro privacy legislation. And when Congress and the administration have acted, it wasn't good, as we saw with the use of the Congressional Review Act to eliminate the broadband privacy protections from the FCC. But with privacy being eroded or ignored on the federal level, a number of states are stepping up to protect the privacy of their residents. CDT's data and privacy team has upped their state game accordingly. And two members of that talented team, Natasha Duarte and Vijay Kashau, join us today to share some of what is happening. Welcome to Tech Talk, Natasha and Vijay. Thanks, Brian. Happy to be here. And Vijay, first time guest. That's wonderful. Thank you. So I touched on it a bit, but tell me why states are really jumping into privacy, right now. So we sometimes, see privacy as a bipartisan issue and it can be. But, recently with consumer privacy, it hasn't been, so much of a bipartisan issue. We've seen a lot of, partisan, disagreement. And so there's been some gridlock on the federal level. And so we're also seeing that people actually really want privacy. What? I know. It's crazy. And so, states as they normally do, and there's an absence of action on the federal level, are stepping in, to try and give their residents privacy protections. Vijay, you had something to add to that? Yeah. So I'd say that, in in our experience with these state legislators, they're a little bit closer to the ground. And and as you mentioned, there's this strong popular sentiment in favor of privacy regulation right now. And because these senators, the state senators are generally more responsive to the needs of their constituents, they're actually taking action on it to fill in this void that you mentioned with the CRA. Yeah. No. There was some, really amazing headlines that came after, the broadband privacy rules were rolled back that I'm guessing a lot of, federal level folks did not really anticipate. So I'm not surprising perhaps that the state, state legislators are picking them up. But there's definitely pros and cons to this. Right? You know, acting on the state level. What are some of the pros? What are the cons on this? Yeah. So so one pro is that, states can sometimes sometimes act a little more, quickly. Things tend to happen more quickly, on the state level, and so they can respond more quickly to, what, their constituents are are telling them and and what, privacy protections are needed. Needed. And they can also, sometimes set, they can experiment a little more and and set a a higher standard for privacy, than we've had on the on the federal level and we haven't had, you know, really strong privacy rules on the federal level. Ever. Yeah. And, some of the cons obviously, it is harder for everyone to have multiple different standards to comply with in in different states. That's probably the main con. Yeah. Yeah. That kind of patchwork of state legislation that resulted in the absence of federal legislation, I think is going to be quite the challenge of states kind of, which is a good thing. States are adopting this legislation to the unique problems their states face, the unique concerns of their citizens, etcetera. But the result is this kind of patchwork of different standards and things that companies have to meet, which is definitely going to be a challenge moving forward. That makes sense. Are there any states that are, like, super amazing on privacy? Illinois, in particular. Illinois. Needle quite a bit. Yeah. Alright. Cool. So let's talk about, a little more specifics on the type of work that you both have been doing, on the state level. There's been, you know, certain privacy issues. Issues. And as you mentioned, certain states doing different things. Broadband privacy, obviously, that's the first one you all touched on and I touched on in the intro. That's a big one. Any states stepping up there? Yeah. So, I was actually here on the podcast, several months ago talking about The best day of your life. Right? Yeah. Well, maybe not. But maybe your best day of your CDT life. It was, we were talking about the victory that was the the FCC Broadband Privacy Rules. The FCC gave consumers, pretty strong, very thoughtful, protections for their privacy when they are, using their broadband connection to, surf the web. And, unfortunately, a few months later, Congress used a little known tool called the, Congressional Review Act to reverse the rules. That sort of left a gap in protections, that states have been trying to step up and fill. And, a couple states that we've seen, with very thoughtful and and strong attempts at that, Washington is one, Massachusetts is another. But really, we've seen, you know, dozens of states either have, a bill introduced or, have started a process of of drafting and trying to introduce a bill. Very cool. Definitely one that seems to be resonating then at the state level. Another one that y'all mentioned to me happening that people are acting on are are the Internet of things, you know, the kind of that term and and devices. What's what have you been doing in that space? Yeah. So California actually is taking the lead on this. They have a new bill that they've been working on and and revising in the past weeks called, the Teddy Baron Toaster Bill, which focuses on yeah. Focuses on Yeah, good name. Focuses on data collection, consent, and disclosure requirements for smart devices covering everything from teddy bears to toasters, as you might imagine. But notably, it doesn't cover connected cars, which is an area where the federal government has had some leadership through the Department of Transportation, the FTC is stepping up regulation there, and we haven't seen the states really make a big push on this as of yet. So, they are, however, responsive to the IOT and security issues that we've been seeing. So it's not only a privacy issue, but a security one as well for the states. If you look at something like the Mirai botnet we saw a few months ago that shut down Netflix among other major companies on the East Coast for quite a while, these states, particularly California, is stepping up to institute some kind of data security measures, to stop these botnets from happening. Okay. Do do either of you know who Teddy Ruxpin is? I've heard the name. Oh, gosh. You're all so young. Anyway, connected devices. Teddy was so ahead of his time. That's right. That's right. So, Vijay, you were also just in Springfield. What were you out there for? So you mentioned Illinois before, but what what are some of the things they're working on Right. Or you were out there for? Yeah. We've been working with a couple groups in Illinois to get a pair of bills passed. The first one that I went to Springfield, Illinois to testify on was a geolocation privacy bill. And this bill basically required notice and consent before apps could collect and use your precise geolocation information. So this isn't, you know, covering your address or something you might input into a web site, but rather when a map app or something like that wants to collect your information and use it for something that isn't a mapping purpose essentially. So if they wanted to sell it or to, you know, show you ads based on your current location, then they would have to actually get your consent to do that. And we think this is a good consumer protection bill so you can actually know what is being done with your data. Cool. And so we went and testified on that. Other states are also doing this as well, not only Illinois. This one is pretty popular. We've seen attempts in Hawaii, Nevada, and, I think there's maybe one more that I'm blanking on right now. But this is starting to pop up more and more frequently as, you know, devices become more ubiquitous, I guess. Okay. Now if you were to look into the future and we assume that states will continue to act more on privacy, any other issues that you anticipate, you know, states stepping up on? So so one area, that's sort of, controversial right now is, expanding the protections we're seeing, states trying to to push through for broadband providers extended to what we call edge providers. So like the the Google's and other Internet services of the world, and that gets into more complicated territory. We definitely think that there should be, strong privacy legislation that applies to everyone on the federal level. But in the absence of that, I do think states are going to, come into this space. And I I guess another area would be, data security. And we're also seeing that come up in the in the broadband context. The FCC rules had a data security component that a lot of states are adopting. And that's also a place where, standards on the federal level, have been fairly flexible, which is not necessarily a bad thing, but it is an area where states can start to, experiment with with higher standards and more specific standards. Alright. Well, oh, Vijay, you have more to add, please. Yeah. I I think one other area that we're just seeing to pop up now, are these right to know bills. Right to know comes from the, actually, the, environmental context where you have a right to know what chemicals you're breathing in the air, if there's a, you know, major factory or plant or something near you. And this is extending to data now. We've seen Illinois say that consumers should have a right to know what third parties are being given your data and what's being done with it. I think this is gonna become more popular because it's actually gaining some real popular momentum in Illinois. So hopefully we'll see other states or maybe even the federal government pass a law like this. Well, that sounds optimistic. But but way to go, Illinois. Alright. Well, thank you so much for the updates, Natasha and Vijay. Definitely keep it up. And as I joked before, if CDT, you know, starts to do more and more state stuff, we'll get you a Winnebago and send you on a 50 state tour. Looking forward to it. Thank you so much. Thank you. Thanks. Most Americans have a bank account, at least one credit card, perhaps more, and a loan or two for a car or that pricey college degree. These all come with interest rates and payment schedules and a lot of data about how much money we have and how we spend it. This is data that is often used to decide if we qualify for a new loan or receive financial aid for school. And this data is also potentially very valuable to businesses wanting to offer a range of services. InvestNet Yodlee is one such company that is leveraging this financial data to offer a variety of services in the fintech space. They are facing a number of challenges though, when it comes to consumers' financial data, including questions around who has control and responsibility for that data. Steve Baums, the vice president of government affairs at Yodlee, joins us today to talk through some of these issues. Welcome, Steve. Hello. So first, tell us about Yodlee in general. So for the folks who don't know Sure. And you also have this thing called screenless data capture. What the heck is that? Sure. So the best and easiest way to think about Yodlee is as the intermediary between fintech and the traditional banking sector. We're about twenty years old. So we're one of the first fintech companies out there. And the business case is when you, the consumer, a small business wants to use a fintech platform but wanna connect your bank, and the average American average American has about 15 different bank or payment accounts at seven different Wow. I'm below average, I think, now. So that's good. The idea is that we can connect those two. So screenless data capture is one way of connecting those two. That's where we, get the user's credentials, so username and password, and log in as them to capture the data and use it for the third party application. But only about 25% of our data comes from screenless data capture. The vast, vast, vast majority of our data comes from what we call direct feeds. So Yodlee's differentiator in the market is we've negotiated bilateral deals with hundreds, maybe thousands of different data sources so that we have direct connections to those banks where we don't need the username and password to access the data. We have prenegotiated contractual agreements to get that data instead. And are those, stronger when it turn comes to privacy and security if it you have those agreements? Privacy and security is always of paramount importance, right, for all the players in this ecosystem. So it's regardless of how we get the data, those are absolutely fundamental. We are regulated and supervised by the OCC. We're examined, because we're a third party vendor to so many large financial institutions, and we have a really, really, really strong, risk and, security governance program. Sure. That makes sense. So Yodlee has been in the market for twenty years, and that surprised me. That's, when you think about data and all that sort of stuff, I I guess, you know, maybe it dates me. But I because I didn't even realize that was possible for twenty years. But in fact, it has been. What have you seen change over, like, the course of the time that you've all been in business? Not that you've been with them the entire twenty years. Or you look far too young, but, Thank you so much. Well, so quite a bit. Right? As you can imagine, over twenty years, there's been this explosion within the financial technology sector. So what's changed is the immense number of offerings of products and services from technology companies in the financial world. As that's happened, we've also seen the, tenor and tone of the banks change as it relates to allowing their consumers to share this data. Okay. Part of it is from a security perspective to the point I think you alluded to earlier. Right? There are legitimate security concerns that banks have, both data and cybersecurity, about allowing these third party tools to leverage consumers' data to provide benefits to them. But part of it, frankly, is just competition. Right? So in many cases, fintech firms are competing directly against traditional banks to offer the same types of products and services that banks historically have provided for centuries. And so some of these products and services just for people? Everything. Right? So it it ranges from personal financial management tools. So, you know, you go along, you see a dashboard of all 15 of your accounts in one place. Your entire financial life is there. To, credit and lending products. Right? Think about your marketplace lenders or, our firms like Kabbage for small businesses and getting credit for them. To there are even applications now that can help you, mediate your way through a divorce. So if you can aggregate all of your finances in one place, you can all see it in one place, and then you can decide how to divide up. There are literally thousands and thousands and thousands of applications. The beauty is it's up to the consumer to decide which they want to use, and their data only comes in once they've said, yep. I'm gonna log on to, let's say, Personal Capital or Betterment. I wanna use this tool, and only then will the connection to their financial accounts be made once they input the information. Okay. Yeah. I know. As you're talking through that, I'm like, gosh. I really need to get my finances in order. And it would be great to talk after one one platform that would help me out. So I'll I'll ask you for advice on that later. So all this data, I mean, obviously, financial data is some of your more personal data. Certainly, if there's any sort of breach of that data, it could be catastrophic for folks. Who's liable in this case? Is it the banks? Is it is it Yodlee? Is it, you know, the other, you know, company in the mix that's trying to offer a service? How does that work? It's a really complicated question. Right? So let me start by saying a few things. As far as Yodlee is concerned, we don't have or collect personally identifiable information when we're connecting the fintech player to the bank. Okay. So what we have is an anonymized number. Right? So they don't know that it's Steve Balmes who's connecting his Capital One account. They know that user 1YZ four five is connecting a Capital One account to use personal capital. But even if that wasn't the case and there's a breach, for Yodlee, there's a few different things that mandate who's liable. The first is where did the breach actually happen? Right? If if it happened at Yodlee Sure. That's one scenario. If it happened at the bank, that's another scenario. If it happened to third party, personal capital, that's a third scenario. But because we're a little bit different, right, I went going back to the idea that three quarters of our data comes through direct fees and contractual relationships with with banks, each of those contracts stipulates the liabilities. Okay. So it's a little bit different for Yieldy than the rest of the players. The differential for us is that we have those relationships with banks. The majority of other players in the system, or at least most of the other players in the system, go through screenless data capture. So it's less collaborative with the banks, and it's more you give us your username and password. We will log in as you to your account. We will capture it, and we will spit it out. It's not less safe. It's a different form of doing it. But because we have the contractual arrangements, the liability provisions are clearly spelled out in each scenario. Okay. So before we start recording, we're talking a bit about travel, and you were saying that you are a road warrior when it comes to work and do business in The US, EU, and I believe other places. But let's focus on the The US and The EU. What's kind of the difference in how you have to operate in the two different, two different places? Because they obviously have very different, rules, regulations, policies around privacy. Yeah. So this this is a fascinating area. Right? And it was one that was really eye opening for me having come from the traditional bank world and done a little bit of work in the EU to now being really, really deeply involved in what's happening there. Generally speaking, we in The US are years behind the EU, in terms of thinking about data and privacy and how consumers can use their data to their advantage. In the EU, there are two, regulations that I would point out as really important. One is the second payment services directive, PSD two, which the European Banking Authority just finalized some of the standards a few weeks ago. And in the next couple of years, we'll go into full effect. The idea here is consumers own their own data. It's not the banks to decide what to do with. It's the consumers to decide what to do with. And it goes through a really, really descriptive and, prescriptive mandate into how banks must make the data available and what the roles and responsibilities in ecosystem are, you know, going back to your question about liability and how the data is collected, all of these things. But at the core is technology is a really important way that consumers can improve their finances, and banks should not stand in the way of allowing consumers to do that. The second I would say is GDPR, which is the data security European requirement, which is also gonna go into effect the next year and a half, year or so. And that's kind of the other side of the coin of PST two. It's this idea that in a really tech focused world where consumers are permissioning and using their data for any host of things, not just in the financial world, everywhere, there have to be some baseline understandings about data security, data privacy, consent, disclosure, and, letting consumers turn on and off the ability to use the data so that the flow they have control of the flow. It's not somebody doing it for them. Yeah. So those two things intertwined, create a really important fabric for how this environment should work, the fintech environment should work in the EU. And then you have other countries in the EU, well, I I suppose The UK is one foot in, one foot out, that even gone a step further and said, not only will we take these and implement them, we're gonna go a step further and have something called open banking, where we will create a standardized API by which all of this data has to be made available so the consumer can not only permission their data, but there's a standardized way that these fintech firms can get the data so that we are getting rid of all the drag in the system, and it's frictionless for the consumer. Contrast that to The US, right, where we have a really fragmented regulatory system that came about after two and a half centuries of securities laws and bank laws and technology laws and privacy laws. We also have 6,000 financial institutions in this country as opposed to a few dozen in Europe. It's really hard to get consensus here. And the regulators in The US and congress are really wrestling with what is our role here in the first place. And even if we have a role, we have to, I I, recognize that it's just a sliver of the entire ecosystem, which means it's kind of been a free for all. Right? The the market itself has been dictating the terms here. What we're seeing now is increasingly, financial institutions are recognizing fintech as competition, and they have the right here to say what data they will and will not share. Contrast it to the EU where they don't have that right, it means that it's a much more friction full Sure. Experience Yeah. For the consumer here, which is why Yodlee and 20 or so other, fintech companies, we call ourselves the, Consumer Financial Data Rights Coalition, are really evangelical about this idea that it's not the bank's data to decide whether to share or not. It's the consumers. And in an environment like in Europe, like in The UK, where consumers have the right to share their data to these technology tools, they can really take advantage of important, important, important, tools that can help them improve their financial well-being. So that was a really long answer to a really short question. That was really helpful. Do you think The US is is getting there? Do you think that there is, you know, potential for that to be the case? Because, obviously, the the talking point of, you know, it's the consumer's data, it's not the bank's data. It's probably gonna resonate with a lot of folks. But then you'll also get some people saying, well, even when a consumer has control of their data with stuff like financial data, it's hard to really take control of that just because you don't know what's out there. It's in different places. So you don't wanna lose control. So even though they may make some choices, it's easy to lose control if you put it out there too much. So how does The US get to kind of the vision where the consumer has true control is making those informed decisions and taking advantage of all this great fintech? So I think the the great news is that the regulators here in Congress have started a long process to figure this out. I can't tell you how much time it's it's gonna take or what it looks like when it's done. What? But they've started. And a few important developments really just in the past few months. Right? So the CFPB put out its request for information in November on, data access, which is really this idea of how consumers can get their data and what they can do with it in a financial sense once they have it. Then they put out a request for information on alternative uses of data, particularly in credit. So this idea that there's a real benefit to consumers in underwriting, underwriting, if they can take their transactional information and leverage it as another tool beyond just a credit score to get better pricing on credit products. The OCC, of course, has its proposed fintech charter, which is trying to bring into, preempted federal state supervision of, fintech, firms that are involved in bank type services. The FDIC, the OCC, and the Fed came out with a cybersecurity ANPR, late last year, early this year, which is really on cybersecurity, but has a whole section on what they call external dependencies, which is really fintech. So they're starting. And in the Hill, we've seen the innovation initiatives from, congressman McHenry and congressman McCarthy, which is all about trying to really grow the innovation that's happening in fintech and make it more available, both from a how do you finance it at the front end to how do you use APIs to to exponentially grow it. So they're starting. How this all ends up, of course, is still very much unknown. It will take years at this pace to get to, you know, any type of finality. And even then, as I said earlier, you've got 6,000 financial institutions in The US. You've got thousands and thousands of fintech players, aggregators like Yodlee who sit in the middle. It's not clear to us that you will get any cut and dry rules like we have in the EU, like PSTT or GDPR. But instead, what we think is if you just get to a place where it can be asserted that the consumer has the absolute right to share their data, the market can figure the rest of it out. Right? We've been doing this for twenty years. In the absence of all of that regulation Right. We can keep doing it. The only difference here is we need to make sure that the consumer's rights to their data are unfettered. That's great. So last question I'll ask here. Just and you alluded to or you talked touched on this a little bit earlier. What are some of the coolest trends that you're seeing in fintech? Things that might get, you know, consumers really excited about the the future of this beyond just the policy world? Yeah. Yeah. That's a great question. Right? So there's there's quite a few. I think the the most exciting really from where I sit are what I think of as, like, financial wellness applications. So tools that, can smooth income for seasonal workers or for low income workers who don't have a dependable paycheck. But if you have a year or two years of transaction data that shows, direct deposit into your account rather than have to figure out, do you pay the phone bill this month or the electricity bill or the rent or, you know, your kid's, tuition? They will say, we'll give you a dependable amount every two months or every month in your paycheck. It will equal over a year to what you will take home anyway, but it's smooth. So you will not have to make those choices every year. So there's a host of applications like that, fixed income optimization tools. Right? I alluded to the divorce reconciliation tool. It's it's limitless, really, when you think about it. It's and the the beauty of it is it's all dependent on a really, generally, simple transaction data that you have at your fingertips now. And, theoretically, you could have just printed out, right, and done with it, you know, in an Excel spreadsheet, kind of all this stuff on your own. But the ability to put it in categorized form, in dashboards, and to dice it and slice it and apply analytics to it empowers all of these tools to help you make sense of your finances. That's great. Yeah. No. I am I'm no Excel expert. So, you know, that that Excel solution is never a good one. Anything that makes it easier is better. I think the data that we have shows that before fintech, only about 2% of people actually had budgeting tools that they could track all their finances across all of the accounts that they had. So there's a huge, huge, huge benefit to this. Absolutely. Well, there are definitely a lot of potential benefits and some risks out there. So, hopefully, all sectors come together, figure this out. Steve, thank you so much for sharing your insights and being on Tech Talk. Thanks for having me. That's it for this episode of Tech Talk. If you'd like to find out more about CDC's work on data and privacy across sectors, be sure to visit cdt.org and we'd love getting feedback on the issues we talk about on the show so be sure to tweet any comments to us at sendem tech or leave a comment on SoundCloud Google Play or iTunes I'm Brian Wasilowski thanks for listening", "confidence": 0.997818, "words": [ { "word": "welcome", "start": 10.48, "end": 10.98, "confidence": 0.9563567, "punctuated_word": "Welcome", "speaker": 0, "speaker_confidence": 0.0763402 }, { "word": "to", "start": 11.04, "end": 11.28, "confidence": 0.99624664, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.0763402 }, { "word": "tech", "start": 11.28, "end": 11.599999, "confidence": 0.84983516, "punctuated_word": "Tech", "speaker": 0, "speaker_confidence": 0.0763402 }, { "word": "talk", "start": 11.599999, "end": 12.099999, "confidence": 0.92068446, "punctuated_word": "Talk.", "speaker": 0, "speaker_confidence": 0.0763402 }, { "word": "bye", "start": 12.16, "end": 12.66, "confidence": 0.9418222, "punctuated_word": "Bye.", "speaker": 0, "speaker_confidence": 0.0 }, { "word": "ct", "start": 13.04, "end": 13.54, "confidence": 0.6684403, "punctuated_word": "CT.", "speaker": 0, "speaker_confidence": 0.0 }, { "word": "tea", "start": 13.759999, "end": 14.259999, "confidence": 0.84057266, "punctuated_word": "Tea.", "speaker": 1, "speaker_confidence": 0.11470187 }, { "word": "welcome", "start": 16.475, "end": 16.875, "confidence": 0.9923921, "punctuated_word": "Welcome", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 16.875, "end": 17.035, "confidence": 0.99940395, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "cdt's", "start": 17.035, "end": 17.535, "confidence": 0.9670191, "punctuated_word": "CDT's", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "tech", "start": 17.595, "end": 17.835, "confidence": 0.644463, "punctuated_word": "Tech", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "talk", "start": 17.835, "end": 18.075, "confidence": 0.7904416, "punctuated_word": "Talk,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "where", "start": 18.075, "end": 18.315, "confidence": 0.9995415, "punctuated_word": "where", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "we", "start": 18.315, "end": 18.475, "confidence": 0.9999001, "punctuated_word": "we", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "dish", "start": 18.475, "end": 18.715, "confidence": 0.99810517, "punctuated_word": "dish", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "on", "start": 18.715, "end": 18.955, "confidence": 0.9972365, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "tech", "start": 18.955, "end": 19.195, "confidence": 0.9878219, "punctuated_word": "tech", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 19.195, "end": 19.435, "confidence": 0.9982181, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "internet", "start": 19.435, "end": 19.915, "confidence": 0.8920302, "punctuated_word": "Internet", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "policy", "start": 19.915, "end": 20.415, "confidence": 0.99713135, "punctuated_word": "policy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "while", "start": 20.475, "end": 20.715, "confidence": 0.65626895, "punctuated_word": "while", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "also", "start": 20.715, "end": 21.115, "confidence": 0.9991416, "punctuated_word": "also", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "explaining", "start": 21.115, "end": 21.515, "confidence": 0.99931777, "punctuated_word": "explaining", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "what", "start": 21.515, "end": 21.755, "confidence": 0.99967444, "punctuated_word": "what", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "these", "start": 21.755, "end": 21.994999, "confidence": 0.9977441, "punctuated_word": "these", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "policies", "start": 21.994999, "end": 22.475, "confidence": 0.9991804, "punctuated_word": "policies", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "mean", "start": 22.475, "end": 22.795, "confidence": 0.9988722, "punctuated_word": "mean", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 22.795, "end": 22.955, "confidence": 0.99948263, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "our", "start": 22.955, "end": 23.275, "confidence": 0.9997818, "punctuated_word": "our", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "daily", "start": 23.275, "end": 23.595, "confidence": 0.99976236, "punctuated_word": "daily", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "lives", "start": 23.595, "end": 24.095, "confidence": 0.9996253, "punctuated_word": "lives.", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "i'm", "start": 24.314999, "end": 24.635, "confidence": 0.99899733, "punctuated_word": "I'm", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "brian", "start": 24.635, "end": 24.875, "confidence": 0.9428699, "punctuated_word": "Brian", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "wasilowski", "start": 24.875, "end": 25.375, "confidence": 0.7982932, "punctuated_word": "Wasilowski,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 25.675, "end": 25.835, "confidence": 0.9997756, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "it's", "start": 25.835, "end": 26.075, "confidence": 0.99934316, "punctuated_word": "it's", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "time", "start": 26.075, "end": 26.395, "confidence": 0.9960747, "punctuated_word": "time", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 26.395, "end": 26.634998, "confidence": 0.9996008, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "talk", "start": 26.634998, "end": 26.955, "confidence": 0.9768162, "punctuated_word": "talk", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "tech", "start": 26.955, "end": 27.455, "confidence": 0.99621147, "punctuated_word": "tech.", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "today", "start": 27.915, "end": 28.314999, "confidence": 0.9551382, "punctuated_word": "Today,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "we'll", "start": 28.314999, "end": 28.474998, "confidence": 0.99840546, "punctuated_word": "we'll", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "be", "start": 28.474998, "end": 28.634998, "confidence": 0.9993006, "punctuated_word": "be", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "talking", "start": 28.634998, "end": 28.955, "confidence": 0.9997162, "punctuated_word": "talking", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "about", "start": 28.955, "end": 29.275, "confidence": 0.9997893, "punctuated_word": "about", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 29.275, "end": 29.775, "confidence": 0.99878377, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 29.835, "end": 30.075, "confidence": 0.99975294, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "data", "start": 30.075, "end": 30.575, "confidence": 0.99984014, "punctuated_word": "data.", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "first", "start": 30.98, "end": 31.14, "confidence": 0.97504514, "punctuated_word": "First", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "we'll", "start": 31.14, "end": 31.3, "confidence": 0.9895226, "punctuated_word": "we'll", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "take", "start": 31.3, "end": 31.38, "confidence": 0.9994974, "punctuated_word": "take", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "a", "start": 31.38, "end": 31.619999, "confidence": 0.9995628, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "look", "start": 31.619999, "end": 31.779999, "confidence": 0.9998312, "punctuated_word": "look", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "at", "start": 31.779999, "end": 31.859999, "confidence": 0.99950826, "punctuated_word": "at", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "how", "start": 31.859999, "end": 32.1, "confidence": 0.99958724, "punctuated_word": "how", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "states", "start": 32.1, "end": 32.42, "confidence": 0.96211636, "punctuated_word": "states", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "are", "start": 32.42, "end": 32.579998, "confidence": 0.99903286, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "filling", "start": 32.579998, "end": 32.82, "confidence": 0.99863404, "punctuated_word": "filling", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 32.82, "end": 32.98, "confidence": 0.9993944, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "void", "start": 32.98, "end": 33.3, "confidence": 0.9990152, "punctuated_word": "void", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "when", "start": 33.3, "end": 33.46, "confidence": 0.99901485, "punctuated_word": "when", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "it", "start": 33.46, "end": 33.62, "confidence": 0.99943095, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "comes", "start": 33.62, "end": 33.78, "confidence": 0.9998518, "punctuated_word": "comes", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 33.78, "end": 34.02, "confidence": 0.99942136, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "shaping", "start": 34.02, "end": 34.52, "confidence": 0.99477035, "punctuated_word": "shaping", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "pro", "start": 34.579998, "end": 34.9, "confidence": 0.9475122, "punctuated_word": "pro", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 34.9, "end": 35.38, "confidence": 0.99591273, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "policies", "start": 35.38, "end": 35.86, "confidence": 0.9980254, "punctuated_word": "policies", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "for", "start": 35.86, "end": 36.1, "confidence": 0.9958235, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "internet", "start": 36.1, "end": 36.579998, "confidence": 0.9076862, "punctuated_word": "internet", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "users", "start": 36.579998, "end": 37.079998, "confidence": 0.9993612, "punctuated_word": "users", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "with", "start": 37.22, "end": 37.38, "confidence": 0.9838648, "punctuated_word": "with", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 37.38, "end": 37.54, "confidence": 0.9994943, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "federal", "start": 37.54, "end": 37.94, "confidence": 0.9521904, "punctuated_word": "federal", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "government", "start": 37.94, "end": 38.44, "confidence": 0.99956423, "punctuated_word": "government", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "failing", "start": 38.5, "end": 38.9, "confidence": 0.99678564, "punctuated_word": "failing", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 38.9, "end": 39.059998, "confidence": 0.9985423, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "address", "start": 39.059998, "end": 39.46, "confidence": 0.99880457, "punctuated_word": "address", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 39.46, "end": 39.96, "confidence": 0.9959979, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 40.18, "end": 40.34, "confidence": 0.99570554, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "in", "start": 40.34, "end": 40.5, "confidence": 0.9972025, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "some", "start": 40.5, "end": 40.739998, "confidence": 0.99852353, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "cases", "start": 40.739998, "end": 41.239998, "confidence": 0.9992021, "punctuated_word": "cases", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "eroding", "start": 41.62, "end": 42.02, "confidence": 0.98327255, "punctuated_word": "eroding", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "existing", "start": 42.02, "end": 42.5, "confidence": 0.99612755, "punctuated_word": "existing", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "protections", "start": 42.5, "end": 42.915, "confidence": 0.78572834, "punctuated_word": "protections", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "for", "start": 42.915, "end": 43.315002, "confidence": 0.994013, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "consumers", "start": 43.315002, "end": 43.815002, "confidence": 0.99853265, "punctuated_word": "consumers", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 44.355, "end": 44.515, "confidence": 0.52190024, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "then", "start": 44.515, "end": 44.755, "confidence": 0.99842095, "punctuated_word": "then", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "we'll", "start": 44.755, "end": 44.915, "confidence": 0.98840535, "punctuated_word": "we'll", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "shift", "start": 44.915, "end": 45.155003, "confidence": 0.9989017, "punctuated_word": "shift", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "our", "start": 45.155003, "end": 45.315002, "confidence": 0.9987435, "punctuated_word": "our", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "focus", "start": 45.315002, "end": 45.555, "confidence": 0.9991026, "punctuated_word": "focus", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 45.555, "end": 45.715, "confidence": 0.994474, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "a", "start": 45.715, "end": 45.875, "confidence": 0.99725986, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "sector", "start": 45.875, "end": 46.115, "confidence": 0.9978846, "punctuated_word": "sector", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "where", "start": 46.115, "end": 46.435, "confidence": 0.99655664, "punctuated_word": "where", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "data", "start": 46.435, "end": 46.755, "confidence": 0.99467057, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "can", "start": 46.755, "end": 46.915, "confidence": 0.99607486, "punctuated_word": "can", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "improve", "start": 46.915, "end": 47.395, "confidence": 0.9973717, "punctuated_word": "improve", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "our", "start": 47.395, "end": 47.635002, "confidence": 0.9962972, "punctuated_word": "our", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "lives", "start": 47.635002, "end": 48.135002, "confidence": 0.99823654, "punctuated_word": "lives", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 48.275, "end": 48.435, "confidence": 0.34457093, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "financial", "start": 48.435, "end": 48.915, "confidence": 0.99183536, "punctuated_word": "financial", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "sector", "start": 48.915, "end": 49.415, "confidence": 0.9968951, "punctuated_word": "sector", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "we", "start": 49.955, "end": 50.115, "confidence": 0.8759935, "punctuated_word": "We", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "would", "start": 50.115, "end": 50.355, "confidence": 0.9970324, "punctuated_word": "would", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "all", "start": 50.355, "end": 50.595, "confidence": 0.9990097, "punctuated_word": "all", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "likely", "start": 50.595, "end": 50.995003, "confidence": 0.99643695, "punctuated_word": "likely", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "welcome", "start": 50.995003, "end": 51.475, "confidence": 0.9964902, "punctuated_word": "welcome", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "some", "start": 51.475, "end": 51.715, "confidence": 0.9974062, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "support", "start": 51.715, "end": 52.115, "confidence": 0.9985777, "punctuated_word": "support", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "in", "start": 52.115, "end": 52.355, "confidence": 0.9911602, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "managing", "start": 52.355, "end": 52.755, "confidence": 0.99884355, "punctuated_word": "managing", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "our", "start": 52.755, "end": 52.915, "confidence": 0.9991749, "punctuated_word": "our", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "finances", "start": 52.915, "end": 53.415, "confidence": 0.9962417, "punctuated_word": "finances", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "but", "start": 53.715, "end": 53.955, "confidence": 0.6594055, "punctuated_word": "But", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "as", "start": 53.955, "end": 54.195, "confidence": 0.9922391, "punctuated_word": "as", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "fintech", "start": 54.195, "end": 54.675, "confidence": 0.9111002, "punctuated_word": "fintech", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "becomes", "start": 54.675, "end": 55.075, "confidence": 0.9976828, "punctuated_word": "becomes", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "more", "start": 55.075, "end": 55.235, "confidence": 0.99940515, "punctuated_word": "more", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "prevalent", "start": 55.235, "end": 55.715, "confidence": 0.9987759, "punctuated_word": "prevalent", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 55.715, "end": 55.955, "confidence": 0.98545307, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "new", "start": 55.955, "end": 56.115, "confidence": 0.9989967, "punctuated_word": "new", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "services", "start": 56.115, "end": 56.615, "confidence": 0.9966949, "punctuated_word": "services", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "pop", "start": 56.675, "end": 56.915, "confidence": 0.9962041, "punctuated_word": "pop", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "up", "start": 56.915, "end": 57.415, "confidence": 0.9988199, "punctuated_word": "up", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "who", "start": 57.5, "end": 57.82, "confidence": 0.9992094, "punctuated_word": "who", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "ultimately", "start": 57.82, "end": 58.3, "confidence": 0.9991327, "punctuated_word": "ultimately", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "has", "start": 58.3, "end": 58.62, "confidence": 0.9982957, "punctuated_word": "has", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "control", "start": 58.62, "end": 59.019997, "confidence": 0.9990146, "punctuated_word": "control", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "of", "start": 59.019997, "end": 59.179996, "confidence": 0.99616194, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "our", "start": 59.179996, "end": 59.339996, "confidence": 0.99964845, "punctuated_word": "our", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "financial", "start": 59.339996, "end": 59.839996, "confidence": 0.999734, "punctuated_word": "financial", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "data", "start": 59.899998, "end": 60.399998, "confidence": 0.9943839, "punctuated_word": "data?", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "is", "start": 60.539997, "end": 60.78, "confidence": 0.99498594, "punctuated_word": "Is", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "it", "start": 60.78, "end": 60.94, "confidence": 0.99537474, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 60.94, "end": 61.1, "confidence": 0.9995585, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "banks", "start": 61.1, "end": 61.6, "confidence": 0.6797954, "punctuated_word": "banks,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "or", "start": 61.659996, "end": 61.899998, "confidence": 0.9985164, "punctuated_word": "or", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "is", "start": 61.899998, "end": 61.98, "confidence": 0.99899966, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "it", "start": 61.98, "end": 62.219997, "confidence": 0.99715304, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "us", "start": 62.219997, "end": 62.539997, "confidence": 0.9698864, "punctuated_word": "us,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 62.539997, "end": 62.699997, "confidence": 0.99840826, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "consumers", "start": 62.699997, "end": 63.199997, "confidence": 0.99814963, "punctuated_word": "consumers?", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "for", "start": 68.54, "end": 68.78, "confidence": 0.57860637, "punctuated_word": "For", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "privacy", "start": 68.78, "end": 69.28, "confidence": 0.9996469, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "advocates", "start": 69.34, "end": 69.84, "confidence": 0.997825, "punctuated_word": "advocates,", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "twenty", "start": 70.06, "end": 70.38, "confidence": 0.99922025, "punctuated_word": "twenty", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "seventeen", "start": 70.38, "end": 70.88, "confidence": 0.99978274, "punctuated_word": "seventeen", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "certainly", "start": 70.939995, "end": 71.34, "confidence": 0.99556446, "punctuated_word": "certainly", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "has", "start": 71.34, "end": 71.58, "confidence": 0.99538714, "punctuated_word": "has", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "not", "start": 71.58, "end": 71.82, "confidence": 0.988405, "punctuated_word": "not", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "been", "start": 71.82, "end": 71.979996, "confidence": 0.9899989, "punctuated_word": "been", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "a", "start": 71.979996, "end": 72.06, "confidence": 0.9588577, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "banner", "start": 72.06, "end": 72.345, "confidence": 0.997703, "punctuated_word": "banner", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "year", "start": 72.425, "end": 72.745, "confidence": 0.9940625, "punctuated_word": "year", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "when", "start": 72.745, "end": 72.785, "confidence": 0.9971956, "punctuated_word": "when", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "it", "start": 72.785, "end": 72.825005, "confidence": 0.99981695, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "comes", "start": 72.825005, "end": 73.065, "confidence": 0.9996136, "punctuated_word": "comes", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 73.065, "end": 73.385, "confidence": 0.99916816, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "federal", "start": 73.385, "end": 73.705, "confidence": 0.98716277, "punctuated_word": "federal", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 73.705, "end": 74.185, "confidence": 0.9977823, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "legislation", "start": 74.185, "end": 74.685, "confidence": 0.6460373, "punctuated_word": "legislation", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 75.225, "end": 75.385, "confidence": 0.99675024, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "protect", "start": 75.385, "end": 75.705, "confidence": 0.9995696, "punctuated_word": "protect", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "consumers", "start": 75.705, "end": 76.205, "confidence": 0.9995567, "punctuated_word": "consumers", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 76.265, "end": 76.505005, "confidence": 0.9993979, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "internet", "start": 76.505005, "end": 76.905, "confidence": 0.6868647, "punctuated_word": "Internet", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "users", "start": 76.905, "end": 77.405, "confidence": 0.9990932, "punctuated_word": "users.", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "there", "start": 77.785, "end": 78.025, "confidence": 0.99949205, "punctuated_word": "There", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "hasn't", "start": 78.025, "end": 78.345, "confidence": 0.9994184, "punctuated_word": "hasn't", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "been", "start": 78.345, "end": 78.425, "confidence": 0.99966323, "punctuated_word": "been", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "much", "start": 78.425, "end": 78.665, "confidence": 0.99973303, "punctuated_word": "much", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "movement", "start": 78.665, "end": 79.065, "confidence": 0.99968946, "punctuated_word": "movement", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "on", "start": 79.065, "end": 79.305, "confidence": 0.9991768, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "pro", "start": 79.305, "end": 79.625, "confidence": 0.9981705, "punctuated_word": "pro", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 79.625, "end": 80.105, "confidence": 0.9916453, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "legislation", "start": 80.105, "end": 80.605, "confidence": 0.8583299, "punctuated_word": "legislation.", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 80.905, "end": 81.145004, "confidence": 0.99727386, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "when", "start": 81.145004, "end": 81.465004, "confidence": 0.9983234, "punctuated_word": "when", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "congress", "start": 81.465004, "end": 81.785, "confidence": 0.9066376, "punctuated_word": "Congress", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 81.785, "end": 81.945, "confidence": 0.999617, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 81.945, "end": 82.105, "confidence": 0.9977673, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "administration", "start": 82.105, "end": 82.605, "confidence": 0.9468452, "punctuated_word": "administration", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "have", "start": 82.985, "end": 83.225, "confidence": 0.99771583, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "acted", "start": 83.225, "end": 83.725, "confidence": 0.99718726, "punctuated_word": "acted,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "it", "start": 83.945, "end": 84.105, "confidence": 0.9984133, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "wasn't", "start": 84.105, "end": 84.425, "confidence": 0.9998176, "punctuated_word": "wasn't", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "good", "start": 84.425, "end": 84.745, "confidence": 0.76959586, "punctuated_word": "good,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "as", "start": 84.745, "end": 84.985, "confidence": 0.9989624, "punctuated_word": "as", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "we", "start": 84.985, "end": 85.065, "confidence": 0.9993036, "punctuated_word": "we", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "saw", "start": 85.065, "end": 85.305, "confidence": 0.9993155, "punctuated_word": "saw", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "with", "start": 85.305, "end": 85.465004, "confidence": 0.9982114, "punctuated_word": "with", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 85.465004, "end": 85.545, "confidence": 0.9981824, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "use", "start": 85.545, "end": 85.785, "confidence": 0.999198, "punctuated_word": "use", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "of", "start": 85.785, "end": 85.865, "confidence": 0.9990865, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 85.865, "end": 86.025, "confidence": 0.9960206, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "congressional", "start": 86.025, "end": 86.505005, "confidence": 0.9500198, "punctuated_word": "Congressional", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "review", "start": 86.505005, "end": 86.825, "confidence": 0.9940918, "punctuated_word": "Review", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "act", "start": 86.825, "end": 87.065, "confidence": 0.9865623, "punctuated_word": "Act", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 87.065, "end": 87.27, "confidence": 0.98295397, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "eliminate", "start": 87.43, "end": 87.75, "confidence": 0.98313034, "punctuated_word": "eliminate", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 87.75, "end": 87.909996, "confidence": 0.91354054, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "broadband", "start": 87.909996, "end": 88.409996, "confidence": 0.93942595, "punctuated_word": "broadband", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 88.46999, "end": 88.95, "confidence": 0.985239, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "protections", "start": 88.95, "end": 89.45, "confidence": 0.997698, "punctuated_word": "protections", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "from", "start": 89.509995, "end": 89.67, "confidence": 0.9960147, "punctuated_word": "from", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 89.67, "end": 89.829994, "confidence": 0.9917675, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "fcc", "start": 89.829994, "end": 90.329994, "confidence": 0.99770886, "punctuated_word": "FCC.", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "but", "start": 91.27, "end": 91.509995, "confidence": 0.9839565, "punctuated_word": "But", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "with", "start": 91.509995, "end": 91.67, "confidence": 0.9905377, "punctuated_word": "with", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 91.67, "end": 92.17, "confidence": 0.99047524, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "being", "start": 92.229996, "end": 92.549995, "confidence": 0.99877685, "punctuated_word": "being", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "eroded", "start": 92.549995, "end": 93.049995, "confidence": 0.9992999, "punctuated_word": "eroded", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "or", "start": 93.10999, "end": 93.35, "confidence": 0.9720882, "punctuated_word": "or", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "ignored", "start": 93.35, "end": 93.75, "confidence": 0.9992994, "punctuated_word": "ignored", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "on", "start": 93.75, "end": 93.829994, "confidence": 0.9963666, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 93.829994, "end": 93.99, "confidence": 0.9973515, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "federal", "start": 93.99, "end": 94.31, "confidence": 0.97293067, "punctuated_word": "federal", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "level", "start": 94.31, "end": 94.71, "confidence": 0.9984458, "punctuated_word": "level,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "a", "start": 94.71, "end": 94.869995, "confidence": 0.99662495, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "number", "start": 94.869995, "end": 95.10999, "confidence": 0.9994444, "punctuated_word": "number", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "of", "start": 95.10999, "end": 95.189995, "confidence": 0.9987897, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "states", "start": 95.189995, "end": 95.59, "confidence": 0.9909518, "punctuated_word": "states", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "are", "start": 95.59, "end": 95.75, "confidence": 0.9984518, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "stepping", "start": 95.75, "end": 96.07, "confidence": 0.99940574, "punctuated_word": "stepping", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "up", "start": 96.07, "end": 96.229996, "confidence": 0.99780685, "punctuated_word": "up", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 96.229996, "end": 96.39, "confidence": 0.99836165, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "protect", "start": 96.39, "end": 96.71, "confidence": 0.996079, "punctuated_word": "protect", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 96.71, "end": 96.78999, "confidence": 0.99517655, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 96.78999, "end": 97.28999, "confidence": 0.9990226, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "of", "start": 97.35, "end": 97.509995, "confidence": 0.9981431, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "their", "start": 97.509995, "end": 97.75, "confidence": 0.9875689, "punctuated_word": "their", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "residents", "start": 97.75, "end": 98.25, "confidence": 0.9734191, "punctuated_word": "residents.", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "cdt's", "start": 98.78999, "end": 99.28999, "confidence": 0.8863959, "punctuated_word": "CDT's", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "data", "start": 99.42999, "end": 99.67, "confidence": 0.9653096, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 99.67, "end": 99.829994, "confidence": 0.9915707, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 99.829994, "end": 100.31, "confidence": 0.99692327, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "team", "start": 100.31, "end": 100.549995, "confidence": 0.9934883, "punctuated_word": "team", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "has", "start": 100.549995, "end": 100.78999, "confidence": 0.9890943, "punctuated_word": "has", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "upped", "start": 100.78999, "end": 101.11, "confidence": 0.98659533, "punctuated_word": "upped", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "their", "start": 101.11, "end": 101.35, "confidence": 0.98145723, "punctuated_word": "their", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "state", "start": 101.35, "end": 101.59, "confidence": 0.9843166, "punctuated_word": "state", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "game", "start": 101.59, "end": 102.045, "confidence": 0.9926571, "punctuated_word": "game", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "accordingly", "start": 102.205, "end": 102.705, "confidence": 0.7644101, "punctuated_word": "accordingly.", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 102.845, "end": 103.005, "confidence": 0.99574846, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "two", "start": 103.005, "end": 103.165, "confidence": 0.99686784, "punctuated_word": "two", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "members", "start": 103.165, "end": 103.485, "confidence": 0.9980044, "punctuated_word": "members", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "of", "start": 103.485, "end": 103.645, "confidence": 0.9989666, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "that", "start": 103.645, "end": 103.884995, "confidence": 0.99756527, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "talented", "start": 103.884995, "end": 104.384995, "confidence": 0.9982718, "punctuated_word": "talented", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "team", "start": 104.445, "end": 104.945, "confidence": 0.9872577, "punctuated_word": "team,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "natasha", "start": 105.085, "end": 105.485, "confidence": 0.948876, "punctuated_word": "Natasha", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "duarte", "start": 105.485, "end": 105.985, "confidence": 0.9972488, "punctuated_word": "Duarte", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 106.205, "end": 106.445, "confidence": 0.9748756, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "vijay", "start": 106.445, "end": 106.845, "confidence": 0.98943377, "punctuated_word": "Vijay", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "kashau", "start": 106.845, "end": 107.345, "confidence": 0.6634891, "punctuated_word": "Kashau,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "join", "start": 107.805, "end": 108.045, "confidence": 0.97441894, "punctuated_word": "join", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "us", "start": 108.045, "end": 108.205, "confidence": 0.9995671, "punctuated_word": "us", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "today", "start": 108.205, "end": 108.525, "confidence": 0.9989322, "punctuated_word": "today", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 108.525, "end": 108.685, "confidence": 0.9982003, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "share", "start": 108.685, "end": 108.924995, "confidence": 0.9983706, "punctuated_word": "share", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "some", "start": 108.924995, "end": 109.085, "confidence": 0.99893373, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "of", "start": 109.085, "end": 109.244995, "confidence": 0.9992773, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "what", "start": 109.244995, "end": 109.485, "confidence": 0.9995277, "punctuated_word": "what", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "is", "start": 109.485, "end": 109.805, "confidence": 0.9983883, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "happening", "start": 109.805, "end": 110.305, "confidence": 0.99941087, "punctuated_word": "happening.", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "welcome", "start": 110.604996, "end": 110.924995, "confidence": 0.9990883, "punctuated_word": "Welcome", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 110.924995, "end": 111.085, "confidence": 0.99877053, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "tech", "start": 111.085, "end": 111.325, "confidence": 0.89066786, "punctuated_word": "Tech", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "talk", "start": 111.325, "end": 111.564995, "confidence": 0.89456964, "punctuated_word": "Talk,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "natasha", "start": 111.564995, "end": 111.965, "confidence": 0.9952252, "punctuated_word": "Natasha", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 111.965, "end": 112.205, "confidence": 0.9905558, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "vijay", "start": 112.205, "end": 112.705, "confidence": 0.99842805, "punctuated_word": "Vijay.", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "thanks", "start": 112.845, "end": 113.165, "confidence": 0.98063993, "punctuated_word": "Thanks,", "speaker": 3, "speaker_confidence": 0.42010188 }, { "word": "brian", "start": 113.165, "end": 113.485, "confidence": 0.9129695, "punctuated_word": "Brian.", "speaker": 3, "speaker_confidence": 0.42010188 }, { "word": "happy", "start": 113.485, "end": 113.725, "confidence": 0.59651923, "punctuated_word": "Happy", "speaker": 0, "speaker_confidence": 0.18179166 }, { "word": "to", "start": 113.725, "end": 113.884995, "confidence": 0.9962256, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.18179166 }, { "word": "be", "start": 113.884995, "end": 113.965, "confidence": 0.99754626, "punctuated_word": "be", "speaker": 0, "speaker_confidence": 0.18179166 }, { "word": "here", "start": 113.965, "end": 114.21, "confidence": 0.99659777, "punctuated_word": "here.", "speaker": 0, "speaker_confidence": 0.18179166 }, { "word": "and", "start": 114.61, "end": 114.93, "confidence": 0.99101514, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "vijay", "start": 114.93, "end": 115.33, "confidence": 0.973417, "punctuated_word": "Vijay,", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "first", "start": 115.33, "end": 115.57, "confidence": 0.9833303, "punctuated_word": "first", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "time", "start": 115.57, "end": 115.81, "confidence": 0.999605, "punctuated_word": "time", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "guest", "start": 115.81, "end": 116.049995, "confidence": 0.9283351, "punctuated_word": "guest.", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "that's", "start": 116.049995, "end": 116.29, "confidence": 0.9993129, "punctuated_word": "That's", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "wonderful", "start": 116.29, "end": 116.79, "confidence": 0.99362886, "punctuated_word": "wonderful.", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "thank", "start": 116.85, "end": 117.17, "confidence": 0.999191, "punctuated_word": "Thank", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "you", "start": 117.17, "end": 117.67, "confidence": 0.9996023, "punctuated_word": "you.", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "so", "start": 117.97, "end": 118.29, "confidence": 0.92190194, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "i", "start": 118.29, "end": 118.45, "confidence": 0.944542, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "touched", "start": 118.45, "end": 118.69, "confidence": 0.9322717, "punctuated_word": "touched", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "on", "start": 118.69, "end": 118.77, "confidence": 0.99863005, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.40617335 }, { "word": "it", "start": 118.77, "end": 119.01, "confidence": 0.9959046, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.40617335 }, { "word": "a", "start": 119.01, "end": 119.09, "confidence": 0.9982905, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.40617335 }, { "word": "bit", "start": 119.09, "end": 119.49, "confidence": 0.83532715, "punctuated_word": "bit,", "speaker": 2, "speaker_confidence": 0.40617335 }, { "word": "but", "start": 119.81, "end": 120.13, "confidence": 0.998458, "punctuated_word": "but", "speaker": 2, "speaker_confidence": 0.40617335 }, { "word": "tell", "start": 120.13, "end": 120.29, "confidence": 0.99437934, "punctuated_word": "tell", "speaker": 2, "speaker_confidence": 0.40617335 }, { "word": "me", "start": 120.29, "end": 120.61, "confidence": 0.9987557, "punctuated_word": "me", "speaker": 2, "speaker_confidence": 0.40617335 }, { "word": "why", "start": 120.61, "end": 121.09, "confidence": 0.9896826, "punctuated_word": "why", "speaker": 2, "speaker_confidence": 0.8322933 }, { "word": "states", "start": 121.09, "end": 121.49, "confidence": 0.9925619, "punctuated_word": "states", "speaker": 2, "speaker_confidence": 0.8322933 }, { "word": "are", "start": 121.49, "end": 121.65, "confidence": 0.99971956, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.8322933 }, { "word": "really", "start": 121.65, "end": 122.13, "confidence": 0.998958, "punctuated_word": "really", "speaker": 2, "speaker_confidence": 0.8322933 }, { "word": "jumping", "start": 122.13, "end": 122.45, "confidence": 0.9997937, "punctuated_word": "jumping", "speaker": 2, "speaker_confidence": 0.8322933 }, { "word": "into", "start": 122.45, "end": 122.77, "confidence": 0.967971, "punctuated_word": "into", "speaker": 2, "speaker_confidence": 0.8322933 }, { "word": "privacy", "start": 122.77, "end": 123.27, "confidence": 0.853266, "punctuated_word": "privacy,", "speaker": 2, "speaker_confidence": 0.8322933 }, { "word": "right", "start": 124.53, "end": 124.77, "confidence": 0.99978215, "punctuated_word": "right", "speaker": 2, "speaker_confidence": 0.8322933 }, { "word": "now", "start": 124.77, "end": 125.27, "confidence": 0.86490434, "punctuated_word": "now.", "speaker": 2, "speaker_confidence": 0.8322933 }, { "word": "so", "start": 127.09, "end": 127.59, "confidence": 0.96420884, "punctuated_word": "So", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "we", "start": 128.155, "end": 128.315, "confidence": 0.9996691, "punctuated_word": "we", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "sometimes", "start": 128.315, "end": 128.815, "confidence": 0.9379257, "punctuated_word": "sometimes,", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "see", "start": 129.515, "end": 129.83499, "confidence": 0.99977964, "punctuated_word": "see", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "privacy", "start": 129.83499, "end": 130.33499, "confidence": 0.9995741, "punctuated_word": "privacy", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "as", "start": 130.47499, "end": 130.715, "confidence": 0.9994863, "punctuated_word": "as", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "a", "start": 130.715, "end": 130.875, "confidence": 0.9989675, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "bipartisan", "start": 130.875, "end": 131.375, "confidence": 0.99557173, "punctuated_word": "bipartisan", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "issue", "start": 131.515, "end": 131.83499, "confidence": 0.9975205, "punctuated_word": "issue", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "and", "start": 131.83499, "end": 132.075, "confidence": 0.7246906, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "it", "start": 132.075, "end": 132.235, "confidence": 0.99969494, "punctuated_word": "it", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "can", "start": 132.235, "end": 132.47499, "confidence": 0.9998827, "punctuated_word": "can", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "be", "start": 132.47499, "end": 132.635, "confidence": 0.8305967, "punctuated_word": "be.", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "but", "start": 132.635, "end": 133.035, "confidence": 0.96953785, "punctuated_word": "But,", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "recently", "start": 133.275, "end": 133.755, "confidence": 0.89112693, "punctuated_word": "recently", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "with", "start": 133.755, "end": 133.83499, "confidence": 0.84084445, "punctuated_word": "with", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "consumer", "start": 133.83499, "end": 134.315, "confidence": 0.997343, "punctuated_word": "consumer", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "privacy", "start": 134.315, "end": 134.815, "confidence": 0.96593636, "punctuated_word": "privacy,", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "it", "start": 135.515, "end": 135.675, "confidence": 0.9983038, "punctuated_word": "it", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "hasn't", "start": 135.675, "end": 135.995, "confidence": 0.9995867, "punctuated_word": "hasn't", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "been", "start": 135.995, "end": 136.39499, "confidence": 0.9018641, "punctuated_word": "been,", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "so", "start": 136.875, "end": 137.035, "confidence": 0.9991321, "punctuated_word": "so", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "much", "start": 137.035, "end": 137.19499, "confidence": 0.9997812, "punctuated_word": "much", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "of", "start": 137.19499, "end": 137.355, "confidence": 0.99739516, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "a", "start": 137.355, "end": 137.435, "confidence": 0.9937803, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.5444244 }, { "word": "bipartisan", "start": 137.435, "end": 137.935, "confidence": 0.99960726, "punctuated_word": "bipartisan", "speaker": 3, "speaker_confidence": 0.5444244 }, { "word": "issue", "start": 138.075, "end": 138.315, "confidence": 0.9909073, "punctuated_word": "issue.", "speaker": 3, "speaker_confidence": 0.5444244 }, { "word": "we've", "start": 138.315, "end": 138.555, "confidence": 0.9981749, "punctuated_word": "We've", "speaker": 3, "speaker_confidence": 0.5444244 }, { "word": "seen", "start": 138.555, "end": 138.795, "confidence": 0.99834263, "punctuated_word": "seen", "speaker": 3, "speaker_confidence": 0.5444244 }, { "word": "a", "start": 138.795, "end": 138.875, "confidence": 0.9935894, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "lot", "start": 138.875, "end": 139.11499, "confidence": 0.994541, "punctuated_word": "lot", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "of", "start": 139.11499, "end": 139.515, "confidence": 0.8563461, "punctuated_word": "of,", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "partisan", "start": 140.235, "end": 140.735, "confidence": 0.88805234, "punctuated_word": "partisan,", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "disagreement", "start": 141.915, "end": 142.415, "confidence": 0.71525383, "punctuated_word": "disagreement.", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "and", "start": 142.555, "end": 142.795, "confidence": 0.9961361, "punctuated_word": "And", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "so", "start": 142.795, "end": 142.955, "confidence": 0.9902609, "punctuated_word": "so", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "there's", "start": 142.955, "end": 143.275, "confidence": 0.9473096, "punctuated_word": "there's", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "been", "start": 143.275, "end": 143.435, "confidence": 0.973801, "punctuated_word": "been", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "some", "start": 143.435, "end": 143.73, "confidence": 0.9767761, "punctuated_word": "some", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "gridlock", "start": 143.73, "end": 144.05, "confidence": 0.98239213, "punctuated_word": "gridlock", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "on", "start": 144.05, "end": 144.13, "confidence": 0.99748296, "punctuated_word": "on", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "the", "start": 144.13, "end": 144.20999, "confidence": 0.99802125, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "federal", "start": 144.20999, "end": 144.69, "confidence": 0.62096643, "punctuated_word": "federal", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "level", "start": 144.69, "end": 145.19, "confidence": 0.95287645, "punctuated_word": "level.", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "and", "start": 146.20999, "end": 146.70999, "confidence": 0.9921117, "punctuated_word": "And", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "so", "start": 147.09, "end": 147.59, "confidence": 0.9708288, "punctuated_word": "so", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "we're", "start": 147.89, "end": 148.12999, "confidence": 0.9625731, "punctuated_word": "we're", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "also", "start": 148.12999, "end": 148.45, "confidence": 0.9987048, "punctuated_word": "also", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "seeing", "start": 148.45, "end": 148.76999, "confidence": 0.99533504, "punctuated_word": "seeing", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "that", "start": 148.76999, "end": 149.26999, "confidence": 0.99852103, "punctuated_word": "that", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "people", "start": 149.40999, "end": 149.81, "confidence": 0.99442416, "punctuated_word": "people", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "actually", "start": 149.81, "end": 150.31, "confidence": 0.9912293, "punctuated_word": "actually", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "really", "start": 150.37, "end": 150.69, "confidence": 0.9859477, "punctuated_word": "really", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "want", "start": 150.69, "end": 150.93, "confidence": 0.9934608, "punctuated_word": "want", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "privacy", "start": 150.93, "end": 151.43, "confidence": 0.99810225, "punctuated_word": "privacy.", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "what", "start": 152.04999, "end": 152.54999, "confidence": 0.98130184, "punctuated_word": "What?", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "i", "start": 154.37, "end": 154.53, "confidence": 0.9958015, "punctuated_word": "I", "speaker": 3, "speaker_confidence": 0.3950938 }, { "word": "know", "start": 154.53, "end": 154.84999, "confidence": 0.85404694, "punctuated_word": "know.", "speaker": 3, "speaker_confidence": 0.3950938 }, { "word": "it's", "start": 154.84999, "end": 155.01, "confidence": 0.99568176, "punctuated_word": "It's", "speaker": 3, "speaker_confidence": 0.3950938 }, { "word": "crazy", "start": 155.01, "end": 155.51, "confidence": 0.9957504, "punctuated_word": "crazy.", "speaker": 3, "speaker_confidence": 0.3950938 }, { "word": "and", "start": 156.53, "end": 156.84999, "confidence": 0.9580571, "punctuated_word": "And", "speaker": 3, "speaker_confidence": 0.6227018 }, { "word": "so", "start": 156.84999, "end": 157.34999, "confidence": 0.89737, "punctuated_word": "so,", "speaker": 3, "speaker_confidence": 0.6227018 }, { "word": "states", "start": 157.81, "end": 158.31, "confidence": 0.74876684, "punctuated_word": "states", "speaker": 3, "speaker_confidence": 0.6227018 }, { "word": "as", "start": 158.45, "end": 158.61, "confidence": 0.6456042, "punctuated_word": "as", "speaker": 3, "speaker_confidence": 0.6227018 }, { "word": "they", "start": 158.61, "end": 159.11, "confidence": 0.8995135, "punctuated_word": "they", "speaker": 3, "speaker_confidence": 0.6227018 }, { "word": "normally", "start": 159.395, "end": 159.63501, "confidence": 0.9409902, "punctuated_word": "normally", "speaker": 3, "speaker_confidence": 0.6227018 }, { "word": "do", "start": 159.63501, "end": 159.715, "confidence": 0.70648026, "punctuated_word": "do,", "speaker": 3, "speaker_confidence": 0.6227018 }, { "word": "and", "start": 159.715, "end": 159.955, "confidence": 0.6375502, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "there's", "start": 159.955, "end": 160.27501, "confidence": 0.9504734, "punctuated_word": "there's", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "an", "start": 160.27501, "end": 160.515, "confidence": 0.99639904, "punctuated_word": "an", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "absence", "start": 160.515, "end": 160.91501, "confidence": 0.99855155, "punctuated_word": "absence", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "of", "start": 160.91501, "end": 161.155, "confidence": 0.99948347, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "action", "start": 161.155, "end": 161.475, "confidence": 0.9982135, "punctuated_word": "action", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "on", "start": 161.475, "end": 161.63501, "confidence": 0.9994041, "punctuated_word": "on", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "the", "start": 161.63501, "end": 161.795, "confidence": 0.99334174, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "federal", "start": 161.795, "end": 162.115, "confidence": 0.9793012, "punctuated_word": "federal", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "level", "start": 162.115, "end": 162.435, "confidence": 0.786511, "punctuated_word": "level,", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "are", "start": 162.435, "end": 162.595, "confidence": 0.976482, "punctuated_word": "are", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "stepping", "start": 162.595, "end": 162.995, "confidence": 0.9952361, "punctuated_word": "stepping", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "in", "start": 162.995, "end": 163.315, "confidence": 0.964712, "punctuated_word": "in,", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "to", "start": 163.875, "end": 164.115, "confidence": 0.9986104, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "try", "start": 164.115, "end": 164.355, "confidence": 0.9978124, "punctuated_word": "try", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "and", "start": 164.355, "end": 164.435, "confidence": 0.99549156, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "give", "start": 164.435, "end": 164.675, "confidence": 0.99465585, "punctuated_word": "give", "speaker": 3, "speaker_confidence": 0.59481174 }, { "word": "their", "start": 164.675, "end": 164.835, "confidence": 0.9953111, "punctuated_word": "their", "speaker": 3, "speaker_confidence": 0.59481174 }, { "word": "residents", "start": 164.835, "end": 165.335, "confidence": 0.8807864, "punctuated_word": "residents", "speaker": 3, "speaker_confidence": 0.59481174 }, { "word": "privacy", "start": 165.475, "end": 165.875, "confidence": 0.9979335, "punctuated_word": "privacy", "speaker": 3, "speaker_confidence": 0.59481174 }, { "word": "protections", "start": 165.875, "end": 166.375, "confidence": 0.9936686, "punctuated_word": "protections.", "speaker": 3, "speaker_confidence": 0.59481174 }, { "word": "vijay", "start": 167.715, "end": 168.035, "confidence": 0.9082046, "punctuated_word": "Vijay,", "speaker": 2, "speaker_confidence": 0.40597838 }, { "word": "you", "start": 168.035, "end": 168.195, "confidence": 0.98599666, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.40597838 }, { "word": "had", "start": 168.195, "end": 168.355, "confidence": 0.5101003, "punctuated_word": "had", "speaker": 2, "speaker_confidence": 0.40597838 }, { "word": "something", "start": 168.355, "end": 168.595, "confidence": 0.9977714, "punctuated_word": "something", "speaker": 2, "speaker_confidence": 0.40597838 }, { "word": "to", "start": 168.595, "end": 168.755, "confidence": 0.9703711, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.40597838 }, { "word": "add", "start": 168.755, "end": 168.91501, "confidence": 0.9978339, "punctuated_word": "add", "speaker": 2, "speaker_confidence": 0.40597838 }, { "word": "to", "start": 168.91501, "end": 169.075, "confidence": 0.99744, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.40597838 }, { "word": "that", "start": 169.075, "end": 169.395, "confidence": 0.9397689, "punctuated_word": "that?", "speaker": 2, "speaker_confidence": 0.40597838 }, { "word": "yeah", "start": 169.395, "end": 169.55501, "confidence": 0.80771244, "punctuated_word": "Yeah.", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "so", "start": 169.55501, "end": 169.715, "confidence": 0.9970583, "punctuated_word": "So", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "i'd", "start": 169.715, "end": 169.875, "confidence": 0.9937804, "punctuated_word": "I'd", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "say", "start": 169.875, "end": 170.035, "confidence": 0.9950552, "punctuated_word": "say", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "that", "start": 170.035, "end": 170.355, "confidence": 0.9846629, "punctuated_word": "that,", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "in", "start": 170.595, "end": 170.835, "confidence": 0.9988072, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "in", "start": 170.835, "end": 170.995, "confidence": 0.98530376, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "our", "start": 170.995, "end": 171.155, "confidence": 0.99946517, "punctuated_word": "our", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "experience", "start": 171.155, "end": 171.55501, "confidence": 0.9993174, "punctuated_word": "experience", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "with", "start": 171.55501, "end": 171.715, "confidence": 0.9969746, "punctuated_word": "with", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "these", "start": 171.715, "end": 171.875, "confidence": 0.7508572, "punctuated_word": "these", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "state", "start": 171.875, "end": 172.195, "confidence": 0.9979322, "punctuated_word": "state", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "legislators", "start": 172.195, "end": 172.695, "confidence": 0.9911745, "punctuated_word": "legislators,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "they're", "start": 172.995, "end": 173.28, "confidence": 0.99423397, "punctuated_word": "they're", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 173.28, "end": 173.51683, "confidence": 0.7372957, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "little", "start": 173.51683, "end": 173.75365, "confidence": 0.9993831, "punctuated_word": "little", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "bit", "start": 173.75365, "end": 173.99048, "confidence": 0.9904627, "punctuated_word": "bit", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "closer", "start": 173.99048, "end": 174.22731, "confidence": 0.9980579, "punctuated_word": "closer", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 174.22731, "end": 174.46413, "confidence": 0.99690527, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 174.46413, "end": 174.70096, "confidence": 0.9964986, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "ground", "start": 174.70096, "end": 174.93779, "confidence": 0.7207187, "punctuated_word": "ground.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "and", "start": 174.93779, "end": 175.17462, "confidence": 0.9939976, "punctuated_word": "And", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "and", "start": 175.17462, "end": 175.41144, "confidence": 0.9296012, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "as", "start": 175.41144, "end": 175.64827, "confidence": 0.87204057, "punctuated_word": "as", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "you", "start": 175.64827, "end": 175.8851, "confidence": 0.99974626, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "mentioned", "start": 175.8851, "end": 176.12192, "confidence": 0.95508856, "punctuated_word": "mentioned,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "there's", "start": 176.12192, "end": 176.35875, "confidence": 0.99080926, "punctuated_word": "there's", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "this", "start": 176.35875, "end": 176.59558, "confidence": 0.8050842, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "strong", "start": 176.59558, "end": 176.8324, "confidence": 0.99936026, "punctuated_word": "strong", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "popular", "start": 176.8324, "end": 177.06923, "confidence": 0.99150145, "punctuated_word": "popular", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "sentiment", "start": 177.06923, "end": 177.30606, "confidence": 0.9990006, "punctuated_word": "sentiment", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "in", "start": 177.30606, "end": 177.54288, "confidence": 0.99895287, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "favor", "start": 177.54288, "end": 177.77971, "confidence": 0.99891055, "punctuated_word": "favor", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "of", "start": 177.77971, "end": 178.01654, "confidence": 0.9986571, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 178.01654, "end": 178.25337, "confidence": 0.9993024, "punctuated_word": "privacy", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "regulation", "start": 178.25337, "end": 178.49019, "confidence": 0.9993861, "punctuated_word": "regulation", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "right", "start": 178.49019, "end": 178.72702, "confidence": 0.99778134, "punctuated_word": "right", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "now", "start": 178.72702, "end": 178.96385, "confidence": 0.937438, "punctuated_word": "now.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "and", "start": 178.96385, "end": 179.20067, "confidence": 0.99796677, "punctuated_word": "And", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "because", "start": 179.20067, "end": 179.4375, "confidence": 0.9909339, "punctuated_word": "because", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "these", "start": 179.4375, "end": 179.67433, "confidence": 0.9577075, "punctuated_word": "these", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "senators", "start": 179.67433, "end": 179.91115, "confidence": 0.82417893, "punctuated_word": "senators,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 179.91115, "end": 180.14798, "confidence": 0.5383411, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "state", "start": 180.14798, "end": 180.38481, "confidence": 0.99519366, "punctuated_word": "state", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "senators", "start": 180.38481, "end": 180.62163, "confidence": 0.992546, "punctuated_word": "senators", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "are", "start": 180.62163, "end": 180.85846, "confidence": 0.57607895, "punctuated_word": "are", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "generally", "start": 180.85846, "end": 181.09529, "confidence": 0.99727494, "punctuated_word": "generally", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "more", "start": 181.09529, "end": 181.33212, "confidence": 0.9986217, "punctuated_word": "more", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "responsive", "start": 181.33212, "end": 181.56894, "confidence": 0.99943346, "punctuated_word": "responsive", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 181.56894, "end": 181.80577, "confidence": 0.9974336, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 181.80577, "end": 182.0426, "confidence": 0.98916596, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "needs", "start": 182.0426, "end": 182.27942, "confidence": 0.9985802, "punctuated_word": "needs", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "of", "start": 182.27942, "end": 182.51625, "confidence": 0.9972301, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "their", "start": 182.51625, "end": 182.75308, "confidence": 0.9985567, "punctuated_word": "their", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "constituents", "start": 182.75308, "end": 182.9899, "confidence": 0.966757, "punctuated_word": "constituents,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "they're", "start": 182.9899, "end": 183.22673, "confidence": 0.9956403, "punctuated_word": "they're", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "actually", "start": 183.22673, "end": 183.46356, "confidence": 0.99833715, "punctuated_word": "actually", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "taking", "start": 183.46356, "end": 183.70038, "confidence": 0.9982932, "punctuated_word": "taking", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "action", "start": 183.70038, "end": 183.93721, "confidence": 0.9993255, "punctuated_word": "action", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "on", "start": 183.93721, "end": 184.17404, "confidence": 0.9982761, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "it", "start": 184.17404, "end": 184.41087, "confidence": 0.9987388, "punctuated_word": "it", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 184.41087, "end": 184.64769, "confidence": 0.8742903, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "fill", "start": 184.64769, "end": 184.88452, "confidence": 0.99887973, "punctuated_word": "fill", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "in", "start": 184.88452, "end": 185.12135, "confidence": 0.9961966, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "this", "start": 185.12135, "end": 185.35817, "confidence": 0.9964438, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "void", "start": 185.35817, "end": 185.595, "confidence": 0.9684193, "punctuated_word": "void", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "that", "start": 185.675, "end": 185.835, "confidence": 0.998541, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "you", "start": 185.835, "end": 185.995, "confidence": 0.9992518, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "mentioned", "start": 185.995, "end": 186.315, "confidence": 0.9985661, "punctuated_word": "mentioned", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "with", "start": 186.315, "end": 186.475, "confidence": 0.9990414, "punctuated_word": "with", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 186.475, "end": 186.635, "confidence": 0.9996748, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "cra", "start": 186.635, "end": 187.135, "confidence": 0.9931091, "punctuated_word": "CRA.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "yeah", "start": 187.435, "end": 187.675, "confidence": 0.99181116, "punctuated_word": "Yeah.", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "no", "start": 187.675, "end": 187.91501, "confidence": 0.8496011, "punctuated_word": "No.", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "there", "start": 187.91501, "end": 188.075, "confidence": 0.9882451, "punctuated_word": "There", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "was", "start": 188.075, "end": 188.235, "confidence": 0.52493733, "punctuated_word": "was", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "some", "start": 188.235, "end": 188.475, "confidence": 0.97817683, "punctuated_word": "some,", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "really", "start": 189.035, "end": 189.355, "confidence": 0.99927694, "punctuated_word": "really", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "amazing", "start": 189.355, "end": 189.755, "confidence": 0.9998636, "punctuated_word": "amazing", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "headlines", "start": 189.755, "end": 190.235, "confidence": 0.99956805, "punctuated_word": "headlines", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "that", "start": 190.235, "end": 190.395, "confidence": 0.99923456, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "came", "start": 190.395, "end": 190.635, "confidence": 0.99991214, "punctuated_word": "came", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "after", "start": 190.635, "end": 190.955, "confidence": 0.9818374, "punctuated_word": "after,", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "the", "start": 191.195, "end": 191.355, "confidence": 0.9984666, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "broadband", "start": 191.355, "end": 191.855, "confidence": 0.9870532, "punctuated_word": "broadband", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "privacy", "start": 191.91501, "end": 192.395, "confidence": 0.9996728, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "rules", "start": 192.395, "end": 192.635, "confidence": 0.99969316, "punctuated_word": "rules", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "were", "start": 192.635, "end": 192.875, "confidence": 0.9946314, "punctuated_word": "were", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "rolled", "start": 192.875, "end": 193.115, "confidence": 0.9997974, "punctuated_word": "rolled", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "back", "start": 193.115, "end": 193.355, "confidence": 0.9998449, "punctuated_word": "back", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "that", "start": 193.355, "end": 193.515, "confidence": 0.89296967, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "i'm", "start": 193.515, "end": 193.675, "confidence": 0.991434, "punctuated_word": "I'm", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "guessing", "start": 193.675, "end": 193.995, "confidence": 0.9997913, "punctuated_word": "guessing", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "a", "start": 193.995, "end": 194.155, "confidence": 0.9942391, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "lot", "start": 194.155, "end": 194.395, "confidence": 0.99992836, "punctuated_word": "lot", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "of", "start": 194.395, "end": 194.895, "confidence": 0.96140933, "punctuated_word": "of,", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "federal", "start": 196.235, "end": 196.635, "confidence": 0.99624324, "punctuated_word": "federal", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "level", "start": 196.635, "end": 197.035, "confidence": 0.9994703, "punctuated_word": "level", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "folks", "start": 197.035, "end": 197.355, "confidence": 0.9983878, "punctuated_word": "folks", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "did", "start": 197.355, "end": 197.595, "confidence": 0.9984787, "punctuated_word": "did", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "not", "start": 197.595, "end": 197.755, "confidence": 0.99994195, "punctuated_word": "not", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "really", "start": 197.755, "end": 198.075, "confidence": 0.999853, "punctuated_word": "really", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "anticipate", "start": 198.075, "end": 198.575, "confidence": 0.9094668, "punctuated_word": "anticipate.", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "so", "start": 198.635, "end": 198.955, "confidence": 0.9962973, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "i'm", "start": 198.955, "end": 199.035, "confidence": 0.8001441, "punctuated_word": "I'm", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "not", "start": 199.035, "end": 199.275, "confidence": 0.99956363, "punctuated_word": "not", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "surprising", "start": 199.275, "end": 199.755, "confidence": 0.94142586, "punctuated_word": "surprising", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "perhaps", "start": 199.755, "end": 200.155, "confidence": 0.5902144, "punctuated_word": "perhaps", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "that", "start": 200.155, "end": 200.475, "confidence": 0.30824366, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "the", "start": 200.475, "end": 200.715, "confidence": 0.94330835, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "state", "start": 200.715, "end": 201.06, "confidence": 0.64702886, "punctuated_word": "state,", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "state", "start": 202.02, "end": 202.26, "confidence": 0.9961932, "punctuated_word": "state", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "legislators", "start": 202.26, "end": 202.76, "confidence": 0.99399346, "punctuated_word": "legislators", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "are", "start": 202.81999, "end": 202.9, "confidence": 0.9986732, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "picking", "start": 202.9, "end": 203.22, "confidence": 0.9997669, "punctuated_word": "picking", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "them", "start": 203.22, "end": 203.3, "confidence": 0.7751998, "punctuated_word": "them", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "up", "start": 203.3, "end": 203.62, "confidence": 0.9252679, "punctuated_word": "up.", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "but", "start": 203.62, "end": 203.78, "confidence": 0.99893767, "punctuated_word": "But", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "there's", "start": 203.78, "end": 204.02, "confidence": 0.99610436, "punctuated_word": "there's", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "definitely", "start": 204.02, "end": 204.26, "confidence": 0.9900169, "punctuated_word": "definitely", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "pros", "start": 204.26, "end": 204.5, "confidence": 0.99671656, "punctuated_word": "pros", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "and", "start": 204.5, "end": 204.66, "confidence": 0.9994924, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "cons", "start": 204.66, "end": 204.98, "confidence": 0.9998497, "punctuated_word": "cons", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "to", "start": 204.98, "end": 205.14, "confidence": 0.97526884, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "this", "start": 205.14, "end": 205.38, "confidence": 0.93899417, "punctuated_word": "this.", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "right", "start": 205.38, "end": 205.62, "confidence": 0.9951956, "punctuated_word": "Right?", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "you", "start": 205.62, "end": 205.86, "confidence": 0.99838805, "punctuated_word": "You", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "know", "start": 205.86, "end": 206.18, "confidence": 0.96815723, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "acting", "start": 206.18, "end": 206.58, "confidence": 0.99881434, "punctuated_word": "acting", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "on", "start": 206.58, "end": 206.73999, "confidence": 0.9990645, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "the", "start": 206.73999, "end": 206.9, "confidence": 0.99737644, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "state", "start": 206.9, "end": 207.14, "confidence": 0.9994141, "punctuated_word": "state", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "level", "start": 207.14, "end": 207.45999, "confidence": 0.8096657, "punctuated_word": "level.", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "what", "start": 207.45999, "end": 207.62, "confidence": 0.99912244, "punctuated_word": "What", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "are", "start": 207.62, "end": 207.78, "confidence": 0.99954575, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "some", "start": 207.78, "end": 207.94, "confidence": 0.99819916, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "of", "start": 207.94, "end": 208.09999, "confidence": 0.9985582, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "the", "start": 208.09999, "end": 208.18, "confidence": 0.9990277, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "pros", "start": 208.18, "end": 208.58, "confidence": 0.95128053, "punctuated_word": "pros?", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "what", "start": 208.58, "end": 208.73999, "confidence": 0.9981018, "punctuated_word": "What", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "are", "start": 208.73999, "end": 208.81999, "confidence": 0.99734336, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "the", "start": 208.81999, "end": 209.06, "confidence": 0.99277335, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.42006087 }, { "word": "cons", "start": 209.06, "end": 209.3, "confidence": 0.997138, "punctuated_word": "cons", "speaker": 2, "speaker_confidence": 0.42006087 }, { "word": "on", "start": 209.3, "end": 209.45999, "confidence": 0.99256825, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.42006087 }, { "word": "this", "start": 209.45999, "end": 209.95999, "confidence": 0.991478, "punctuated_word": "this?", "speaker": 2, "speaker_confidence": 0.42006087 }, { "word": "yeah", "start": 211.14, "end": 211.45999, "confidence": 0.8204575, "punctuated_word": "Yeah.", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "so", "start": 211.45999, "end": 211.86, "confidence": 0.99203193, "punctuated_word": "So", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "so", "start": 211.86, "end": 212.09999, "confidence": 0.98052096, "punctuated_word": "so", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "one", "start": 212.09999, "end": 212.42, "confidence": 0.9898663, "punctuated_word": "one", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "pro", "start": 212.42, "end": 212.73999, "confidence": 0.99690527, "punctuated_word": "pro", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "is", "start": 212.73999, "end": 212.9, "confidence": 0.988076, "punctuated_word": "is", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "that", "start": 212.9, "end": 213.22, "confidence": 0.9464421, "punctuated_word": "that,", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "states", "start": 213.7, "end": 214.2, "confidence": 0.97719336, "punctuated_word": "states", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "can", "start": 214.26, "end": 214.58, "confidence": 0.90210205, "punctuated_word": "can", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "sometimes", "start": 214.58, "end": 214.785, "confidence": 0.6701549, "punctuated_word": "sometimes", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "sometimes", "start": 215.74501, "end": 215.985, "confidence": 0.58094215, "punctuated_word": "sometimes", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "act", "start": 215.985, "end": 216.38501, "confidence": 0.8565155, "punctuated_word": "act", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "a", "start": 216.38501, "end": 216.545, "confidence": 0.80584556, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "little", "start": 216.545, "end": 216.625, "confidence": 0.8492971, "punctuated_word": "little", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "more", "start": 216.625, "end": 216.705, "confidence": 0.86114144, "punctuated_word": "more,", "speaker": 3, "speaker_confidence": 0.73102665 }, { "word": "quickly", "start": 217.265, "end": 217.425, "confidence": 0.7110628, "punctuated_word": "quickly.", "speaker": 3, "speaker_confidence": 0.73102665 }, { "word": "things", "start": 217.425, "end": 217.585, "confidence": 0.7802378, "punctuated_word": "Things", "speaker": 3, "speaker_confidence": 0.73102665 }, { "word": "tend", "start": 217.585, "end": 217.745, "confidence": 0.8060928, "punctuated_word": "tend", "speaker": 3, "speaker_confidence": 0.73102665 }, { "word": "to", "start": 217.745, "end": 217.905, "confidence": 0.8994452, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.73102665 }, { "word": "happen", "start": 217.905, "end": 218.065, "confidence": 0.7127323, "punctuated_word": "happen", "speaker": 3, "speaker_confidence": 0.73102665 }, { "word": "more", "start": 218.065, "end": 218.465, "confidence": 0.7886834, "punctuated_word": "more", "speaker": 3, "speaker_confidence": 0.73102665 }, { "word": "quickly", "start": 218.465, "end": 218.865, "confidence": 0.8619306, "punctuated_word": "quickly,", "speaker": 3, "speaker_confidence": 0.73102665 }, { "word": "on", "start": 218.905, "end": 218.945, "confidence": 0.85707825, "punctuated_word": "on", "speaker": 3, "speaker_confidence": 0.73102665 }, { "word": "the", "start": 218.945, "end": 219.445, "confidence": 0.7634876, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.58932614 }, { "word": "state", "start": 219.585, "end": 219.845, "confidence": 0.87265676, "punctuated_word": "state", "speaker": 3, "speaker_confidence": 0.58932614 }, { "word": "level", "start": 219.845, "end": 220.10501, "confidence": 0.7286837, "punctuated_word": "level,", "speaker": 3, "speaker_confidence": 0.58932614 }, { "word": "and", "start": 220.365, "end": 220.625, "confidence": 0.8837696, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.58932614 }, { "word": "so", "start": 220.625, "end": 220.705, "confidence": 0.8297894, "punctuated_word": "so", "speaker": 3, "speaker_confidence": 0.58932614 }, { "word": "they", "start": 220.705, "end": 220.865, "confidence": 0.89870155, "punctuated_word": "they", "speaker": 3, "speaker_confidence": 0.58932614 }, { "word": "can", "start": 220.865, "end": 220.945, "confidence": 0.9442656, "punctuated_word": "can", "speaker": 3, "speaker_confidence": 0.58932614 }, { "word": "respond", "start": 220.945, "end": 221.425, "confidence": 0.8016001, "punctuated_word": "respond", "speaker": 3, "speaker_confidence": 0.720179 }, { "word": "more", "start": 221.425, "end": 221.925, "confidence": 0.83382237, "punctuated_word": "more", "speaker": 3, "speaker_confidence": 0.720179 }, { "word": "quickly", "start": 221.985, "end": 222.30501, "confidence": 0.9470618, "punctuated_word": "quickly", "speaker": 3, "speaker_confidence": 0.720179 }, { "word": "to", "start": 222.30501, "end": 222.80501, "confidence": 0.91605353, "punctuated_word": "to,", "speaker": 3, "speaker_confidence": 0.720179 }, { "word": "what", "start": 224.065, "end": 224.465, "confidence": 0.9569622, "punctuated_word": "what,", "speaker": 3, "speaker_confidence": 0.720179 }, { "word": "their", "start": 224.625, "end": 224.865, "confidence": 0.98322165, "punctuated_word": "their", "speaker": 3, "speaker_confidence": 0.720179 }, { "word": "constituents", "start": 224.865, "end": 225.365, "confidence": 0.98217046, "punctuated_word": "constituents", "speaker": 3, "speaker_confidence": 0.720179 }, { "word": "are", "start": 225.425, "end": 225.905, "confidence": 0.9671336, "punctuated_word": "are", "speaker": 3, "speaker_confidence": 0.720179 }, { "word": "are", "start": 225.905, "end": 225.985, "confidence": 0.8436941, "punctuated_word": "are", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "telling", "start": 225.985, "end": 226.30501, "confidence": 0.9765138, "punctuated_word": "telling", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "them", "start": 226.30501, "end": 226.625, "confidence": 0.98139554, "punctuated_word": "them", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "and", "start": 226.625, "end": 226.785, "confidence": 0.90599006, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "and", "start": 226.785, "end": 227.10501, "confidence": 0.92702156, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "what", "start": 227.10501, "end": 227.505, "confidence": 0.9412234, "punctuated_word": "what,", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "privacy", "start": 227.825, "end": 228.325, "confidence": 0.9917979, "punctuated_word": "privacy", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "protections", "start": 228.38501, "end": 228.88501, "confidence": 0.9887184, "punctuated_word": "protections", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "are", "start": 229.425, "end": 229.585, "confidence": 0.8978964, "punctuated_word": "are", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "needed", "start": 229.585, "end": 229.77, "confidence": 0.9069357, "punctuated_word": "needed.", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "needed", "start": 230.81, "end": 231.17, "confidence": 0.8058026, "punctuated_word": "Needed.", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "and", "start": 231.53, "end": 231.61, "confidence": 0.8020815, "punctuated_word": "And", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "they", "start": 231.61, "end": 231.85, "confidence": 0.9434401, "punctuated_word": "they", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "can", "start": 231.85, "end": 232.01001, "confidence": 0.96571064, "punctuated_word": "can", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "also", "start": 232.01001, "end": 232.41, "confidence": 0.9306321, "punctuated_word": "also,", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "sometimes", "start": 232.81, "end": 233.31, "confidence": 0.93471664, "punctuated_word": "sometimes", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "set", "start": 233.85, "end": 234.09, "confidence": 0.88766325, "punctuated_word": "set,", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "they", "start": 234.33, "end": 234.41, "confidence": 0.89816743, "punctuated_word": "they", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "can", "start": 234.41, "end": 234.81, "confidence": 0.90851855, "punctuated_word": "can", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "experiment", "start": 234.81, "end": 235.29001, "confidence": 0.77708095, "punctuated_word": "experiment", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "a", "start": 235.29001, "end": 235.37001, "confidence": 0.9086335, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "little", "start": 235.37001, "end": 235.45001, "confidence": 0.86185765, "punctuated_word": "little", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "more", "start": 235.45001, "end": 235.53, "confidence": 0.8950289, "punctuated_word": "more", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "and", "start": 235.53, "end": 235.69, "confidence": 0.84366745, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "and", "start": 235.69, "end": 236.01001, "confidence": 0.7867938, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "set", "start": 236.01001, "end": 236.25, "confidence": 0.9332296, "punctuated_word": "set", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "a", "start": 236.25, "end": 236.65001, "confidence": 0.82430464, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "a", "start": 236.65001, "end": 236.73001, "confidence": 0.5524168, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "higher", "start": 236.73001, "end": 236.97, "confidence": 0.8668652, "punctuated_word": "higher", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "standard", "start": 236.97, "end": 237.29001, "confidence": 0.95248115, "punctuated_word": "standard", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "for", "start": 237.29001, "end": 237.61, "confidence": 0.92505234, "punctuated_word": "for", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "privacy", "start": 237.61, "end": 238.11, "confidence": 0.82116383, "punctuated_word": "privacy,", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "than", "start": 238.97, "end": 239.13, "confidence": 0.8687464, "punctuated_word": "than", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "we've", "start": 239.13, "end": 239.37001, "confidence": 0.98611057, "punctuated_word": "we've", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "had", "start": 239.37001, "end": 239.53, "confidence": 0.9787077, "punctuated_word": "had", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "on", "start": 239.53, "end": 239.69, "confidence": 0.9822249, "punctuated_word": "on", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "the", "start": 239.69, "end": 239.85, "confidence": 0.95273113, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "on", "start": 239.85, "end": 239.93001, "confidence": 0.9804827, "punctuated_word": "on", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "the", "start": 239.93001, "end": 240.09, "confidence": 0.98172003, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "federal", "start": 240.09, "end": 240.41, "confidence": 0.9271145, "punctuated_word": "federal", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "level", "start": 240.41, "end": 240.65001, "confidence": 0.96723104, "punctuated_word": "level", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "and", "start": 240.65001, "end": 240.81, "confidence": 0.4588105, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "we", "start": 240.81, "end": 240.97, "confidence": 0.9838162, "punctuated_word": "we", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "haven't", "start": 240.97, "end": 241.29001, "confidence": 0.9985988, "punctuated_word": "haven't", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "had", "start": 241.29001, "end": 241.77, "confidence": 0.99312055, "punctuated_word": "had,", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "you", "start": 241.77, "end": 242.01001, "confidence": 0.9959532, "punctuated_word": "you", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "know", "start": 242.01001, "end": 242.295, "confidence": 0.9974766, "punctuated_word": "know,", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "really", "start": 242.375, "end": 242.775, "confidence": 0.99810046, "punctuated_word": "really", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "strong", "start": 242.775, "end": 243.275, "confidence": 0.99963534, "punctuated_word": "strong", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "privacy", "start": 243.33499, "end": 243.83499, "confidence": 0.9991448, "punctuated_word": "privacy", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "rules", "start": 243.895, "end": 244.135, "confidence": 0.9992918, "punctuated_word": "rules", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "on", "start": 244.135, "end": 244.295, "confidence": 0.99941134, "punctuated_word": "on", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "the", "start": 244.295, "end": 244.455, "confidence": 0.99742186, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "federal", "start": 244.455, "end": 244.775, "confidence": 0.9902074, "punctuated_word": "federal", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "level", "start": 244.775, "end": 245.275, "confidence": 0.96426386, "punctuated_word": "level.", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "ever", "start": 248.135, "end": 248.375, "confidence": 0.95799947, "punctuated_word": "Ever.", "speaker": 3, "speaker_confidence": 0.50017905 }, { "word": "yeah", "start": 248.375, "end": 248.875, "confidence": 0.94289887, "punctuated_word": "Yeah.", "speaker": 3, "speaker_confidence": 0.50017905 }, { "word": "and", "start": 250.215, "end": 250.61499, "confidence": 0.81660557, "punctuated_word": "And,", "speaker": 3, "speaker_confidence": 0.50017905 }, { "word": "some", "start": 251.095, "end": 251.255, "confidence": 0.99817455, "punctuated_word": "some", "speaker": 3, "speaker_confidence": 0.67132324 }, { "word": "of", "start": 251.255, "end": 251.415, "confidence": 0.99628276, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.67132324 }, { "word": "the", "start": 251.415, "end": 251.575, "confidence": 0.99882966, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.67132324 }, { "word": "cons", "start": 251.575, "end": 251.895, "confidence": 0.9954971, "punctuated_word": "cons", "speaker": 3, "speaker_confidence": 0.67132324 }, { "word": "obviously", "start": 251.895, "end": 252.395, "confidence": 0.7593029, "punctuated_word": "obviously,", "speaker": 3, "speaker_confidence": 0.67132324 }, { "word": "it", "start": 253.255, "end": 253.575, "confidence": 0.9983456, "punctuated_word": "it", "speaker": 3, "speaker_confidence": 0.67132324 }, { "word": "is", "start": 253.575, "end": 254.075, "confidence": 0.99884427, "punctuated_word": "is", "speaker": 3, "speaker_confidence": 0.67132324 }, { "word": "harder", "start": 254.61499, "end": 255.095, "confidence": 0.999366, "punctuated_word": "harder", "speaker": 3, "speaker_confidence": 0.67132324 }, { "word": "for", "start": 255.095, "end": 255.255, "confidence": 0.9997651, "punctuated_word": "for", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "everyone", "start": 255.255, "end": 255.735, "confidence": 0.99939525, "punctuated_word": "everyone", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "to", "start": 255.735, "end": 255.815, "confidence": 0.9995291, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "have", "start": 255.815, "end": 256.215, "confidence": 0.9998796, "punctuated_word": "have", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "multiple", "start": 256.215, "end": 256.695, "confidence": 0.3662973, "punctuated_word": "multiple", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "different", "start": 256.695, "end": 257.175, "confidence": 0.990858, "punctuated_word": "different", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "standards", "start": 257.175, "end": 257.655, "confidence": 0.99405634, "punctuated_word": "standards", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "to", "start": 257.655, "end": 257.735, "confidence": 0.99627066, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "comply", "start": 257.735, "end": 258.055, "confidence": 0.9989472, "punctuated_word": "comply", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "with", "start": 258.055, "end": 258.27, "confidence": 0.9428872, "punctuated_word": "with", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "in", "start": 258.34998, "end": 258.66998, "confidence": 0.98535603, "punctuated_word": "in", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "in", "start": 258.66998, "end": 258.75, "confidence": 0.6437967, "punctuated_word": "in", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "different", "start": 258.75, "end": 259.15, "confidence": 0.9994511, "punctuated_word": "different", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "states", "start": 259.15, "end": 259.65, "confidence": 0.82458687, "punctuated_word": "states.", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "that's", "start": 260.66998, "end": 260.99, "confidence": 0.9971933, "punctuated_word": "That's", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "probably", "start": 260.99, "end": 261.31, "confidence": 0.9997576, "punctuated_word": "probably", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "the", "start": 261.31, "end": 261.47, "confidence": 0.9997929, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "main", "start": 261.47, "end": 261.71, "confidence": 0.99992263, "punctuated_word": "main", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "con", "start": 261.71, "end": 262.21, "confidence": 0.99421394, "punctuated_word": "con.", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "yeah", "start": 262.59, "end": 262.91, "confidence": 0.86687994, "punctuated_word": "Yeah.", "speaker": 0, "speaker_confidence": 0.40186894 }, { "word": "yeah", "start": 262.91, "end": 263.15, "confidence": 0.9305339, "punctuated_word": "Yeah.", "speaker": 0, "speaker_confidence": 0.40186894 }, { "word": "that", "start": 263.15, "end": 263.31, "confidence": 0.99854314, "punctuated_word": "That", "speaker": 0, "speaker_confidence": 0.40186894 }, { "word": "kind", "start": 263.31, "end": 263.55, "confidence": 0.9966313, "punctuated_word": "kind", "speaker": 0, "speaker_confidence": 0.40186894 }, { "word": "of", "start": 263.55, "end": 263.94998, "confidence": 0.99969614, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 0.40186894 }, { "word": "patchwork", "start": 263.94998, "end": 264.44998, "confidence": 0.99675655, "punctuated_word": "patchwork", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "of", "start": 264.59, "end": 264.99, "confidence": 0.99904734, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "state", "start": 264.99, "end": 265.31, "confidence": 0.99152774, "punctuated_word": "state", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "legislation", "start": 265.31, "end": 265.71, "confidence": 0.9998729, "punctuated_word": "legislation", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "that", "start": 265.71, "end": 265.87, "confidence": 0.9947214, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "resulted", "start": 265.87, "end": 266.19, "confidence": 0.9998766, "punctuated_word": "resulted", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "in", "start": 266.19, "end": 266.34998, "confidence": 0.9994431, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "the", "start": 266.34998, "end": 266.50998, "confidence": 0.999607, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "absence", "start": 266.50998, "end": 266.83, "confidence": 0.9981693, "punctuated_word": "absence", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "of", "start": 266.83, "end": 266.99, "confidence": 0.9982436, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "federal", "start": 266.99, "end": 267.31, "confidence": 0.98711383, "punctuated_word": "federal", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "legislation", "start": 267.31, "end": 267.81, "confidence": 0.8621892, "punctuated_word": "legislation,", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "i", "start": 268.03, "end": 268.11, "confidence": 0.9988681, "punctuated_word": "I", "speaker": 0, "speaker_confidence": 0.46161014 }, { "word": "think", "start": 268.11, "end": 268.34998, "confidence": 0.99990535, "punctuated_word": "think", "speaker": 0, "speaker_confidence": 0.46161014 }, { "word": "is", "start": 268.34998, "end": 268.50998, "confidence": 0.5481458, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.46161014 }, { "word": "going", "start": 268.50998, "end": 268.75, "confidence": 0.51007587, "punctuated_word": "going", "speaker": 0, "speaker_confidence": 0.46161014 }, { "word": "to", "start": 268.75, "end": 268.83, "confidence": 0.99405885, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.46161014 }, { "word": "be", "start": 268.83, "end": 268.99, "confidence": 0.99976474, "punctuated_word": "be", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "quite", "start": 268.99, "end": 269.22998, "confidence": 0.9989728, "punctuated_word": "quite", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "the", "start": 269.22998, "end": 269.31, "confidence": 0.9901534, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "challenge", "start": 269.31, "end": 269.71, "confidence": 0.99262756, "punctuated_word": "challenge", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "of", "start": 269.71, "end": 269.78998, "confidence": 0.74617666, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "states", "start": 269.78998, "end": 270.19, "confidence": 0.9411302, "punctuated_word": "states", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "kind", "start": 270.19, "end": 270.34998, "confidence": 0.7761536, "punctuated_word": "kind", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "of", "start": 270.34998, "end": 270.84998, "confidence": 0.7871934, "punctuated_word": "of,", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "which", "start": 270.90997, "end": 271.155, "confidence": 0.9964935, "punctuated_word": "which", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "is", "start": 271.155, "end": 271.39432, "confidence": 0.99966204, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "a", "start": 271.39432, "end": 271.63364, "confidence": 0.9997769, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "good", "start": 271.63364, "end": 271.87296, "confidence": 0.9999918, "punctuated_word": "good", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "thing", "start": 271.87296, "end": 272.11227, "confidence": 0.924904, "punctuated_word": "thing.", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "states", "start": 272.11227, "end": 272.3516, "confidence": 0.99686533, "punctuated_word": "States", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "are", "start": 272.3516, "end": 272.5909, "confidence": 0.9993387, "punctuated_word": "are", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "adopting", "start": 272.5909, "end": 272.83023, "confidence": 0.9968136, "punctuated_word": "adopting", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "this", "start": 272.83023, "end": 273.06955, "confidence": 0.9989021, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "legislation", "start": 273.06955, "end": 273.30887, "confidence": 0.99974257, "punctuated_word": "legislation", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "to", "start": 273.30887, "end": 273.5482, "confidence": 0.9750494, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "the", "start": 273.5482, "end": 273.7875, "confidence": 0.97053784, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "unique", "start": 273.7875, "end": 274.02682, "confidence": 0.9977696, "punctuated_word": "unique", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "problems", "start": 274.02682, "end": 274.26614, "confidence": 0.99922836, "punctuated_word": "problems", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "their", "start": 274.26614, "end": 274.50546, "confidence": 0.9745281, "punctuated_word": "their", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "states", "start": 274.50546, "end": 274.74478, "confidence": 0.980587, "punctuated_word": "states", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "face", "start": 274.74478, "end": 274.9841, "confidence": 0.9773009, "punctuated_word": "face,", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "the", "start": 275.22342, "end": 275.46274, "confidence": 0.9033556, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "unique", "start": 275.46274, "end": 275.70206, "confidence": 0.99943775, "punctuated_word": "unique", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "concerns", "start": 275.70206, "end": 275.94138, "confidence": 0.99963284, "punctuated_word": "concerns", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "of", "start": 275.94138, "end": 276.1807, "confidence": 0.85349405, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "their", "start": 276.1807, "end": 276.42, "confidence": 0.9997526, "punctuated_word": "their", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "citizens", "start": 276.42, "end": 276.65933, "confidence": 0.9917635, "punctuated_word": "citizens,", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "etcetera", "start": 276.65933, "end": 276.89865, "confidence": 0.9385077, "punctuated_word": "etcetera.", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "but", "start": 276.89865, "end": 277.13797, "confidence": 0.99830675, "punctuated_word": "But", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "the", "start": 277.13797, "end": 277.3773, "confidence": 0.9995555, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "result", "start": 277.3773, "end": 277.6166, "confidence": 0.99980956, "punctuated_word": "result", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "is", "start": 277.6166, "end": 277.85593, "confidence": 0.99924695, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "this", "start": 277.85593, "end": 278.09525, "confidence": 0.999073, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "kind", "start": 278.09525, "end": 278.33456, "confidence": 0.9972023, "punctuated_word": "kind", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "of", "start": 278.33456, "end": 278.57388, "confidence": 0.99996555, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "patchwork", "start": 278.57388, "end": 278.8132, "confidence": 0.99719787, "punctuated_word": "patchwork", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "of", "start": 278.8132, "end": 279.0525, "confidence": 0.9988281, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "different", "start": 279.0525, "end": 279.2918, "confidence": 0.5191104, "punctuated_word": "different", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "standards", "start": 279.2918, "end": 279.53113, "confidence": 0.99942374, "punctuated_word": "standards", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "and", "start": 279.53113, "end": 279.77045, "confidence": 0.9973231, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "things", "start": 279.77045, "end": 280.00977, "confidence": 0.99962866, "punctuated_word": "things", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "that", "start": 280.00977, "end": 280.24908, "confidence": 0.9991391, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "companies", "start": 280.24908, "end": 280.4884, "confidence": 0.9998996, "punctuated_word": "companies", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "have", "start": 280.4884, "end": 280.72772, "confidence": 0.9992888, "punctuated_word": "have", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "to", "start": 280.72772, "end": 280.96704, "confidence": 0.99861395, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "meet", "start": 280.96704, "end": 281.20636, "confidence": 0.9913597, "punctuated_word": "meet,", "speaker": 0, "speaker_confidence": 0.6746524 }, { "word": "which", "start": 281.20636, "end": 281.44568, "confidence": 0.99988246, "punctuated_word": "which", "speaker": 0, "speaker_confidence": 0.6746524 }, { "word": "is", "start": 281.44568, "end": 281.685, "confidence": 0.9998894, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.6746524 }, { "word": "definitely", "start": 281.685, "end": 281.92432, "confidence": 0.9998826, "punctuated_word": "definitely", "speaker": 0, "speaker_confidence": 0.6746524 }, { "word": "going", "start": 281.92432, "end": 282.16364, "confidence": 0.9786189, "punctuated_word": "going", "speaker": 0, "speaker_confidence": 0.6746524 }, { "word": "to", "start": 282.16364, "end": 282.40295, "confidence": 0.99776936, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.6746524 }, { "word": "be", "start": 282.40295, "end": 282.64227, "confidence": 0.99988747, "punctuated_word": "be", "speaker": 0, "speaker_confidence": 0.6746524 }, { "word": "a", "start": 282.64227, "end": 282.8816, "confidence": 0.99961793, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.6746524 }, { "word": "challenge", "start": 282.8816, "end": 283.1209, "confidence": 0.9999722, "punctuated_word": "challenge", "speaker": 0, "speaker_confidence": 0.6746524 }, { "word": "moving", "start": 283.1209, "end": 283.36023, "confidence": 0.99843246, "punctuated_word": "moving", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "forward", "start": 283.36023, "end": 283.59955, "confidence": 0.9992712, "punctuated_word": "forward.", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "that", "start": 283.59955, "end": 283.83887, "confidence": 0.82076126, "punctuated_word": "That", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "makes", "start": 283.83887, "end": 284.0782, "confidence": 0.9841675, "punctuated_word": "makes", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "sense", "start": 284.0782, "end": 284.3175, "confidence": 0.9991689, "punctuated_word": "sense.", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "are", "start": 284.3175, "end": 284.55682, "confidence": 0.994905, "punctuated_word": "Are", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "there", "start": 284.55682, "end": 284.79614, "confidence": 0.9998534, "punctuated_word": "there", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "any", "start": 284.79614, "end": 285.03546, "confidence": 0.9997451, "punctuated_word": "any", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "states", "start": 285.03546, "end": 285.27478, "confidence": 0.99808973, "punctuated_word": "states", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "that", "start": 285.27478, "end": 285.5141, "confidence": 0.9767705, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "are", "start": 285.5141, "end": 285.75342, "confidence": 0.81468713, "punctuated_word": "are,", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "like", "start": 285.75342, "end": 285.99274, "confidence": 0.9978947, "punctuated_word": "like,", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "super", "start": 285.99274, "end": 286.23206, "confidence": 0.99965096, "punctuated_word": "super", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "amazing", "start": 286.23206, "end": 286.47137, "confidence": 0.99952567, "punctuated_word": "amazing", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "on", "start": 286.47137, "end": 286.7107, "confidence": 0.9941949, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "privacy", "start": 286.7107, "end": 286.95, "confidence": 0.99198043, "punctuated_word": "privacy?", "speaker": 0, "speaker_confidence": 0.24792826 }, { "word": "illinois", "start": 287.11002, "end": 287.43002, "confidence": 0.7699911, "punctuated_word": "Illinois,", "speaker": 0, "speaker_confidence": 0.50828296 }, { "word": "in", "start": 287.43002, "end": 287.59003, "confidence": 0.999175, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 0.50828296 }, { "word": "particular", "start": 287.59003, "end": 288.09003, "confidence": 0.9543103, "punctuated_word": "particular.", "speaker": 0, "speaker_confidence": 0.50828296 }, { "word": "illinois", "start": 288.15002, "end": 288.47003, "confidence": 0.9173584, "punctuated_word": "Illinois.", "speaker": 2, "speaker_confidence": 0.19288313 }, { "word": "needle", "start": 288.79, "end": 289.27002, "confidence": 0.48583484, "punctuated_word": "Needle", "speaker": 2, "speaker_confidence": 0.19288313 }, { "word": "quite", "start": 289.27002, "end": 289.39, "confidence": 0.9906867, "punctuated_word": "quite", "speaker": 0, "speaker_confidence": 0.2501247 }, { "word": "a", "start": 289.39, "end": 289.51, "confidence": 0.9985808, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.2501247 }, { "word": "bit", "start": 289.51, "end": 289.83002, "confidence": 0.9936844, "punctuated_word": "bit.", "speaker": 0, "speaker_confidence": 0.2501247 }, { "word": "yeah", "start": 289.83002, "end": 290.15002, "confidence": 0.738289, "punctuated_word": "Yeah.", "speaker": 0, "speaker_confidence": 0.2501247 }, { "word": "alright", "start": 290.15002, "end": 290.39, "confidence": 0.97799647, "punctuated_word": "Alright.", "speaker": 2, "speaker_confidence": 0.5106948 }, { "word": "cool", "start": 290.39, "end": 290.89, "confidence": 0.99921834, "punctuated_word": "Cool.", "speaker": 2, "speaker_confidence": 0.5106948 }, { "word": "so", "start": 290.95, "end": 291.11002, "confidence": 0.99678826, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.5106948 }, { "word": "let's", "start": 291.11002, "end": 291.27002, "confidence": 0.9985703, "punctuated_word": "let's", "speaker": 2, "speaker_confidence": 0.5106948 }, { "word": "talk", "start": 291.27002, "end": 291.51, "confidence": 0.999146, "punctuated_word": "talk", "speaker": 2, "speaker_confidence": 0.5106948 }, { "word": "about", "start": 291.51, "end": 291.83002, "confidence": 0.99753773, "punctuated_word": "about,", "speaker": 2, "speaker_confidence": 0.5106948 }, { "word": "a", "start": 292.23, "end": 292.31, "confidence": 0.73280305, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "little", "start": 292.31, "end": 292.55002, "confidence": 0.99968064, "punctuated_word": "little", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "more", "start": 292.55002, "end": 292.87003, "confidence": 0.99923503, "punctuated_word": "more", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "specifics", "start": 292.87003, "end": 293.35, "confidence": 0.9972409, "punctuated_word": "specifics", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "on", "start": 293.35, "end": 293.51, "confidence": 0.9980476, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "the", "start": 293.51, "end": 293.67, "confidence": 0.99789304, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "type", "start": 293.67, "end": 293.91, "confidence": 0.9991285, "punctuated_word": "type", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "of", "start": 293.91, "end": 294.15002, "confidence": 0.9980306, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "work", "start": 294.15002, "end": 294.39, "confidence": 0.9987684, "punctuated_word": "work", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "that", "start": 294.39, "end": 294.55002, "confidence": 0.99617875, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "you", "start": 294.55002, "end": 294.87003, "confidence": 0.9966864, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "both", "start": 294.87003, "end": 295.19, "confidence": 0.99902296, "punctuated_word": "both", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "have", "start": 295.19, "end": 295.35, "confidence": 0.99524695, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "been", "start": 295.35, "end": 295.51, "confidence": 0.99670887, "punctuated_word": "been", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "doing", "start": 295.51, "end": 296.01, "confidence": 0.84850574, "punctuated_word": "doing,", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "on", "start": 296.55002, "end": 296.63, "confidence": 0.99241793, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "the", "start": 296.63, "end": 296.79, "confidence": 0.994011, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "state", "start": 296.79, "end": 297.11002, "confidence": 0.9967217, "punctuated_word": "state", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "level", "start": 297.11002, "end": 297.43002, "confidence": 0.9917129, "punctuated_word": "level.", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "there's", "start": 297.43002, "end": 297.75, "confidence": 0.99509716, "punctuated_word": "There's", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "been", "start": 297.75, "end": 297.91, "confidence": 0.9891214, "punctuated_word": "been,", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "you", "start": 297.91, "end": 298.07, "confidence": 0.9475036, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "know", "start": 298.07, "end": 298.31, "confidence": 0.9942129, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "certain", "start": 298.31, "end": 298.63, "confidence": 0.9351761, "punctuated_word": "certain", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "privacy", "start": 298.63, "end": 298.95, "confidence": 0.990026, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "issues", "start": 298.95, "end": 299.265, "confidence": 0.6952976, "punctuated_word": "issues.", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "issues", "start": 299.265, "end": 299.725, "confidence": 0.6369175, "punctuated_word": "Issues.", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "and", "start": 299.725, "end": 300.185, "confidence": 0.60070884, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "as", "start": 300.185, "end": 300.64502, "confidence": 0.8263078, "punctuated_word": "as", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "you", "start": 300.64502, "end": 301.105, "confidence": 0.9373469, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "mentioned", "start": 301.105, "end": 301.605, "confidence": 0.89657557, "punctuated_word": "mentioned,", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "certain", "start": 302.30502, "end": 302.46503, "confidence": 0.8696289, "punctuated_word": "certain", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "states", "start": 302.46503, "end": 302.56104, "confidence": 0.82988435, "punctuated_word": "states", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "doing", "start": 302.56104, "end": 302.657, "confidence": 0.74079007, "punctuated_word": "doing", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "different", "start": 302.657, "end": 302.75302, "confidence": 0.84908384, "punctuated_word": "different", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "things", "start": 302.75302, "end": 302.849, "confidence": 0.8661299, "punctuated_word": "things.", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "broadband", "start": 302.849, "end": 302.945, "confidence": 0.89920616, "punctuated_word": "Broadband", "speaker": 2, "speaker_confidence": 0.52116895 }, { "word": "privacy", "start": 302.945, "end": 303.265, "confidence": 0.8592599, "punctuated_word": "privacy,", "speaker": 2, "speaker_confidence": 0.52116895 }, { "word": "obviously", "start": 303.265, "end": 303.58502, "confidence": 0.81701666, "punctuated_word": "obviously,", "speaker": 2, "speaker_confidence": 0.52116895 }, { "word": "that's", "start": 303.58502, "end": 303.90503, "confidence": 0.96682775, "punctuated_word": "that's", "speaker": 2, "speaker_confidence": 0.52116895 }, { "word": "the", "start": 303.90503, "end": 304.065, "confidence": 0.93585414, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.52116895 }, { "word": "first", "start": 304.065, "end": 304.185, "confidence": 0.89617723, "punctuated_word": "first", "speaker": 2, "speaker_confidence": 0.52116895 }, { "word": "one", "start": 304.185, "end": 304.30502, "confidence": 0.97010213, "punctuated_word": "one", "speaker": 2, "speaker_confidence": 0.52116895 }, { "word": "you", "start": 304.30502, "end": 304.385, "confidence": 0.4717497, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "all", "start": 304.385, "end": 304.545, "confidence": 0.9042081, "punctuated_word": "all", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "touched", "start": 304.545, "end": 304.785, "confidence": 0.9771278, "punctuated_word": "touched", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "on", "start": 304.785, "end": 305.02502, "confidence": 0.89875007, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "and", "start": 305.02502, "end": 305.345, "confidence": 0.68434495, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "i", "start": 305.345, "end": 305.505, "confidence": 0.96649605, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "touched", "start": 305.505, "end": 305.74503, "confidence": 0.98146904, "punctuated_word": "touched", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "on", "start": 305.74503, "end": 305.90503, "confidence": 0.9667869, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "in", "start": 305.90503, "end": 306.065, "confidence": 0.9794114, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "the", "start": 306.065, "end": 306.225, "confidence": 0.9798614, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "intro", "start": 306.225, "end": 306.545, "confidence": 0.95340145, "punctuated_word": "intro.", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "that's", "start": 306.545, "end": 306.785, "confidence": 0.9965367, "punctuated_word": "That's", "speaker": 2, "speaker_confidence": 0.6033436 }, { "word": "a", "start": 306.785, "end": 306.86502, "confidence": 0.99502254, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.6033436 }, { "word": "big", "start": 306.86502, "end": 307.02502, "confidence": 0.99235195, "punctuated_word": "big", "speaker": 2, "speaker_confidence": 0.6033436 }, { "word": "one", "start": 307.02502, "end": 307.265, "confidence": 0.98247874, "punctuated_word": "one.", "speaker": 2, "speaker_confidence": 0.6033436 }, { "word": "any", "start": 307.265, "end": 307.58502, "confidence": 0.9824033, "punctuated_word": "Any", "speaker": 2, "speaker_confidence": 0.6033436 }, { "word": "states", "start": 307.58502, "end": 307.98502, "confidence": 0.76976097, "punctuated_word": "states", "speaker": 2, "speaker_confidence": 0.6033436 }, { "word": "stepping", "start": 307.98502, "end": 308.30502, "confidence": 0.9923734, "punctuated_word": "stepping", "speaker": 2, "speaker_confidence": 0.6033436 }, { "word": "up", "start": 308.30502, "end": 308.385, "confidence": 0.9971655, "punctuated_word": "up", "speaker": 2, "speaker_confidence": 0.6033436 }, { "word": "there", "start": 308.385, "end": 308.885, "confidence": 0.98647386, "punctuated_word": "there?", "speaker": 2, "speaker_confidence": 0.6033436 }, { "word": "yeah", "start": 309.74503, "end": 310.14502, "confidence": 0.98506415, "punctuated_word": "Yeah.", "speaker": 3, "speaker_confidence": 0.68874687 }, { "word": "so", "start": 310.14502, "end": 310.64502, "confidence": 0.98733723, "punctuated_word": "So,", "speaker": 3, "speaker_confidence": 0.68874687 }, { "word": "i", "start": 312.14502, "end": 312.30502, "confidence": 0.99904615, "punctuated_word": "I", "speaker": 3, "speaker_confidence": 0.68874687 }, { "word": "was", "start": 312.30502, "end": 312.70502, "confidence": 0.9990165, "punctuated_word": "was", "speaker": 3, "speaker_confidence": 0.68874687 }, { "word": "actually", "start": 312.70502, "end": 313.18503, "confidence": 0.99291176, "punctuated_word": "actually", "speaker": 3, "speaker_confidence": 0.68874687 }, { "word": "here", "start": 313.18503, "end": 313.5, "confidence": 0.98813, "punctuated_word": "here", "speaker": 3, "speaker_confidence": 0.68874687 }, { "word": "on", "start": 313.58, "end": 313.82, "confidence": 0.9997483, "punctuated_word": "on", "speaker": 3, "speaker_confidence": 0.68874687 }, { "word": "the", "start": 313.82, "end": 313.98, "confidence": 0.9989335, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.68874687 }, { "word": "podcast", "start": 313.98, "end": 314.48, "confidence": 0.88821346, "punctuated_word": "podcast,", "speaker": 3, "speaker_confidence": 0.68874687 }, { "word": "several", "start": 315.5, "end": 316.0, "confidence": 0.9991093, "punctuated_word": "several", "speaker": 3, "speaker_confidence": 0.5003362 }, { "word": "months", "start": 316.06, "end": 316.3, "confidence": 0.9996637, "punctuated_word": "months", "speaker": 3, "speaker_confidence": 0.5003362 }, { "word": "ago", "start": 316.3, "end": 316.8, "confidence": 0.99919313, "punctuated_word": "ago", "speaker": 3, "speaker_confidence": 0.5003362 }, { "word": "talking", "start": 316.94, "end": 317.26, "confidence": 0.81206876, "punctuated_word": "talking", "speaker": 3, "speaker_confidence": 0.5003362 }, { "word": "about", "start": 317.26, "end": 317.5, "confidence": 0.8904636, "punctuated_word": "about", "speaker": 3, "speaker_confidence": 0.5003362 }, { "word": "the", "start": 317.58, "end": 317.66, "confidence": 0.3186494, "punctuated_word": "The", "speaker": 3, "speaker_confidence": 0.5003362 }, { "word": "best", "start": 317.66, "end": 317.9, "confidence": 0.9978339, "punctuated_word": "best", "speaker": 2, "speaker_confidence": 0.56626767 }, { "word": "day", "start": 317.9, "end": 318.06, "confidence": 0.9912135, "punctuated_word": "day", "speaker": 2, "speaker_confidence": 0.56626767 }, { "word": "of", "start": 318.06, "end": 318.22, "confidence": 0.99845076, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.56626767 }, { "word": "your", "start": 318.22, "end": 318.54, "confidence": 0.99693704, "punctuated_word": "your", "speaker": 2, "speaker_confidence": 0.56626767 }, { "word": "life", "start": 318.54, "end": 318.86, "confidence": 0.9695758, "punctuated_word": "life.", "speaker": 2, "speaker_confidence": 0.56626767 }, { "word": "right", "start": 318.86, "end": 319.34, "confidence": 0.99531335, "punctuated_word": "Right?", "speaker": 2, "speaker_confidence": 0.56626767 }, { "word": "yeah", "start": 319.34, "end": 319.66, "confidence": 0.9776747, "punctuated_word": "Yeah.", "speaker": 2, "speaker_confidence": 0.55830115 }, { "word": "well", "start": 319.66, "end": 319.9, "confidence": 0.97672087, "punctuated_word": "Well,", "speaker": 2, "speaker_confidence": 0.55830115 }, { "word": "maybe", "start": 319.9, "end": 320.14, "confidence": 0.9988887, "punctuated_word": "maybe", "speaker": 2, "speaker_confidence": 0.55830115 }, { "word": "not", "start": 320.14, "end": 320.38, "confidence": 0.9430187, "punctuated_word": "not.", "speaker": 2, "speaker_confidence": 0.55830115 }, { "word": "but", "start": 320.38, "end": 320.62, "confidence": 0.9962947, "punctuated_word": "But", "speaker": 2, "speaker_confidence": 0.55830115 }, { "word": "maybe", "start": 320.62, "end": 320.78, "confidence": 0.96329147, "punctuated_word": "maybe", "speaker": 2, "speaker_confidence": 0.55830115 }, { "word": "your", "start": 320.78, "end": 320.94, "confidence": 0.9550124, "punctuated_word": "your", "speaker": 2, "speaker_confidence": 0.55830115 }, { "word": "best", "start": 320.94, "end": 321.1, "confidence": 0.99876046, "punctuated_word": "best", "speaker": 2, "speaker_confidence": 0.55830115 }, { "word": "day", "start": 321.1, "end": 321.18, "confidence": 0.9124741, "punctuated_word": "day", "speaker": 2, "speaker_confidence": 0.4018023 }, { "word": "of", "start": 321.18, "end": 321.26, "confidence": 0.9465618, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.4018023 }, { "word": "your", "start": 321.26, "end": 321.5, "confidence": 0.9945208, "punctuated_word": "your", "speaker": 2, "speaker_confidence": 0.4018023 }, { "word": "cdt", "start": 321.5, "end": 321.9, "confidence": 0.9444026, "punctuated_word": "CDT", "speaker": 2, "speaker_confidence": 0.4018023 }, { "word": "life", "start": 321.9, "end": 322.4, "confidence": 0.9823816, "punctuated_word": "life.", "speaker": 2, "speaker_confidence": 0.4018023 }, { "word": "it", "start": 323.02, "end": 323.1, "confidence": 0.99690187, "punctuated_word": "It", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "was", "start": 323.1, "end": 323.58, "confidence": 0.9415692, "punctuated_word": "was,", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "we", "start": 324.38, "end": 324.54, "confidence": 0.99657404, "punctuated_word": "we", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "were", "start": 324.54, "end": 324.78, "confidence": 0.99522275, "punctuated_word": "were", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "talking", "start": 324.78, "end": 325.1, "confidence": 0.9985617, "punctuated_word": "talking", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "about", "start": 325.1, "end": 325.34, "confidence": 0.9944904, "punctuated_word": "about", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "the", "start": 325.34, "end": 325.58, "confidence": 0.99444467, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "victory", "start": 325.58, "end": 326.08, "confidence": 0.99877304, "punctuated_word": "victory", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "that", "start": 326.14, "end": 326.3, "confidence": 0.84949565, "punctuated_word": "that", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "was", "start": 326.3, "end": 326.54, "confidence": 0.99064004, "punctuated_word": "was", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "the", "start": 326.54, "end": 326.685, "confidence": 0.58663106, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "the", "start": 326.685, "end": 326.925, "confidence": 0.9489181, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "fcc", "start": 326.925, "end": 327.425, "confidence": 0.9673931, "punctuated_word": "FCC", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "broadband", "start": 327.485, "end": 327.885, "confidence": 0.7316172, "punctuated_word": "Broadband", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "privacy", "start": 327.885, "end": 328.385, "confidence": 0.6321514, "punctuated_word": "Privacy", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "rules", "start": 328.445, "end": 328.925, "confidence": 0.83915085, "punctuated_word": "Rules.", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "the", "start": 329.245, "end": 329.485, "confidence": 0.9785638, "punctuated_word": "The", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "fcc", "start": 329.485, "end": 329.985, "confidence": 0.9994505, "punctuated_word": "FCC", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "gave", "start": 330.445, "end": 330.76498, "confidence": 0.999094, "punctuated_word": "gave", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "consumers", "start": 330.76498, "end": 331.26498, "confidence": 0.9444102, "punctuated_word": "consumers,", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "pretty", "start": 331.885, "end": 332.285, "confidence": 0.99907184, "punctuated_word": "pretty", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "strong", "start": 332.285, "end": 332.785, "confidence": 0.98942655, "punctuated_word": "strong,", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "very", "start": 333.485, "end": 333.805, "confidence": 0.99920684, "punctuated_word": "very", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "thoughtful", "start": 333.805, "end": 334.305, "confidence": 0.850018, "punctuated_word": "thoughtful,", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "protections", "start": 334.925, "end": 335.425, "confidence": 0.99857676, "punctuated_word": "protections", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "for", "start": 335.485, "end": 335.725, "confidence": 0.9998159, "punctuated_word": "for", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "their", "start": 335.725, "end": 335.965, "confidence": 0.9996742, "punctuated_word": "their", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "privacy", "start": 335.965, "end": 336.465, "confidence": 0.9998394, "punctuated_word": "privacy", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "when", "start": 336.605, "end": 336.925, "confidence": 0.99254143, "punctuated_word": "when", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "they", "start": 336.925, "end": 337.165, "confidence": 0.999843, "punctuated_word": "they", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "are", "start": 337.165, "end": 337.485, "confidence": 0.89079106, "punctuated_word": "are,", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "using", "start": 337.725, "end": 338.04498, "confidence": 0.9997023, "punctuated_word": "using", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "their", "start": 338.04498, "end": 338.205, "confidence": 0.99969935, "punctuated_word": "their", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "broadband", "start": 338.205, "end": 338.685, "confidence": 0.8228852, "punctuated_word": "broadband", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "connection", "start": 338.685, "end": 339.185, "confidence": 0.997703, "punctuated_word": "connection", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "to", "start": 339.245, "end": 339.405, "confidence": 0.87636507, "punctuated_word": "to,", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "surf", "start": 339.88998, "end": 340.13, "confidence": 0.9899192, "punctuated_word": "surf", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "the", "start": 340.13, "end": 340.29, "confidence": 0.99921334, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "web", "start": 340.29, "end": 340.79, "confidence": 0.8824064, "punctuated_word": "web.", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "and", "start": 341.33, "end": 341.83, "confidence": 0.91063666, "punctuated_word": "And,", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "unfortunately", "start": 343.09, "end": 343.59, "confidence": 0.9717948, "punctuated_word": "unfortunately,", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "a", "start": 344.13, "end": 344.37, "confidence": 0.9989845, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "few", "start": 344.37, "end": 344.69, "confidence": 0.99980456, "punctuated_word": "few", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "months", "start": 344.69, "end": 345.09, "confidence": 0.9987734, "punctuated_word": "months", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "later", "start": 345.09, "end": 345.59, "confidence": 0.9840406, "punctuated_word": "later,", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "congress", "start": 346.45, "end": 346.95, "confidence": 0.66803384, "punctuated_word": "Congress", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "used", "start": 347.49, "end": 347.88998, "confidence": 0.9983004, "punctuated_word": "used", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "a", "start": 347.88998, "end": 348.38998, "confidence": 0.9996433, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "little", "start": 349.09, "end": 349.49, "confidence": 0.78460735, "punctuated_word": "little", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "known", "start": 349.49, "end": 349.99, "confidence": 0.9992607, "punctuated_word": "known", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "tool", "start": 350.21, "end": 350.69, "confidence": 0.999131, "punctuated_word": "tool", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "called", "start": 350.69, "end": 351.01, "confidence": 0.9965779, "punctuated_word": "called", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "the", "start": 351.01, "end": 351.51, "confidence": 0.85487217, "punctuated_word": "the,", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "congressional", "start": 351.81, "end": 352.31, "confidence": 0.89064115, "punctuated_word": "Congressional", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "review", "start": 352.85, "end": 353.33, "confidence": 0.9545428, "punctuated_word": "Review", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "act", "start": 353.33, "end": 353.83, "confidence": 0.97571915, "punctuated_word": "Act", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "to", "start": 355.885, "end": 356.085, "confidence": 0.9993168, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "reverse", "start": 356.085, "end": 356.405, "confidence": 0.9993711, "punctuated_word": "reverse", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "the", "start": 356.405, "end": 356.565, "confidence": 0.9996799, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "rules", "start": 356.565, "end": 357.065, "confidence": 0.9657565, "punctuated_word": "rules.", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "that", "start": 357.685, "end": 358.085, "confidence": 0.9978807, "punctuated_word": "That", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "sort", "start": 358.085, "end": 358.245, "confidence": 0.97675556, "punctuated_word": "sort", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "of", "start": 358.245, "end": 358.405, "confidence": 0.9930935, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "left", "start": 358.405, "end": 358.905, "confidence": 0.9906645, "punctuated_word": "left", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "a", "start": 359.125, "end": 359.365, "confidence": 0.9987571, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "gap", "start": 359.365, "end": 359.685, "confidence": 0.9997876, "punctuated_word": "gap", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "in", "start": 359.685, "end": 359.845, "confidence": 0.847425, "punctuated_word": "in", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "protections", "start": 359.845, "end": 360.345, "confidence": 0.9483664, "punctuated_word": "protections,", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "that", "start": 360.805, "end": 361.205, "confidence": 0.99782014, "punctuated_word": "that", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "states", "start": 361.205, "end": 361.525, "confidence": 0.92185676, "punctuated_word": "states", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "have", "start": 361.525, "end": 361.845, "confidence": 0.99895155, "punctuated_word": "have", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "been", "start": 361.845, "end": 362.245, "confidence": 0.99984384, "punctuated_word": "been", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "trying", "start": 362.245, "end": 362.565, "confidence": 0.99960893, "punctuated_word": "trying", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "to", "start": 362.565, "end": 362.645, "confidence": 0.99953616, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "step", "start": 362.645, "end": 362.965, "confidence": 0.9997646, "punctuated_word": "step", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "up", "start": 362.965, "end": 363.125, "confidence": 0.99945503, "punctuated_word": "up", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "and", "start": 363.125, "end": 363.285, "confidence": 0.9922391, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "fill", "start": 363.285, "end": 363.785, "confidence": 0.72872776, "punctuated_word": "fill.", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "and", "start": 364.165, "end": 364.565, "confidence": 0.9564874, "punctuated_word": "And,", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "a", "start": 364.965, "end": 365.125, "confidence": 0.99839956, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "couple", "start": 365.125, "end": 365.445, "confidence": 0.9997557, "punctuated_word": "couple", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "states", "start": 365.445, "end": 365.685, "confidence": 0.62167764, "punctuated_word": "states", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "that", "start": 365.685, "end": 365.845, "confidence": 0.9859817, "punctuated_word": "that", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "we've", "start": 365.845, "end": 366.165, "confidence": 0.98974216, "punctuated_word": "we've", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "seen", "start": 366.165, "end": 366.485, "confidence": 0.84156173, "punctuated_word": "seen,", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "with", "start": 367.54, "end": 367.78003, "confidence": 0.999851, "punctuated_word": "with", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "very", "start": 367.78003, "end": 368.02002, "confidence": 0.98419464, "punctuated_word": "very", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "thoughtful", "start": 368.02002, "end": 368.42, "confidence": 0.999866, "punctuated_word": "thoughtful", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "and", "start": 368.42, "end": 368.66, "confidence": 0.9946137, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "and", "start": 368.66, "end": 368.98, "confidence": 0.9791606, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "strong", "start": 368.98, "end": 369.48, "confidence": 0.99926156, "punctuated_word": "strong", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "attempts", "start": 369.86002, "end": 370.34003, "confidence": 0.98960435, "punctuated_word": "attempts", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "at", "start": 370.34003, "end": 370.42, "confidence": 0.7642336, "punctuated_word": "at", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "that", "start": 370.42, "end": 370.82, "confidence": 0.7730231, "punctuated_word": "that,", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "washington", "start": 371.14, "end": 371.64, "confidence": 0.9995409, "punctuated_word": "Washington", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "is", "start": 371.78003, "end": 372.02002, "confidence": 0.98630035, "punctuated_word": "is", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "one", "start": 372.02002, "end": 372.34003, "confidence": 0.8664908, "punctuated_word": "one,", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "massachusetts", "start": 372.34003, "end": 372.84003, "confidence": 0.9978644, "punctuated_word": "Massachusetts", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "is", "start": 373.06003, "end": 373.22, "confidence": 0.9981698, "punctuated_word": "is", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "another", "start": 373.22, "end": 373.62003, "confidence": 0.7858064, "punctuated_word": "another.", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "but", "start": 373.62003, "end": 373.94, "confidence": 0.99906904, "punctuated_word": "But", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "really", "start": 373.94, "end": 374.26, "confidence": 0.6054881, "punctuated_word": "really,", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "we've", "start": 374.26, "end": 374.42, "confidence": 0.96390426, "punctuated_word": "we've", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "seen", "start": 374.42, "end": 374.92, "confidence": 0.99031085, "punctuated_word": "seen,", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "you", "start": 375.14, "end": 375.30002, "confidence": 0.99777764, "punctuated_word": "you", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "know", "start": 375.30002, "end": 375.54, "confidence": 0.9964014, "punctuated_word": "know,", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "dozens", "start": 375.54, "end": 376.04, "confidence": 0.99960107, "punctuated_word": "dozens", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "of", "start": 376.1, "end": 376.34003, "confidence": 0.9991769, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "states", "start": 376.34003, "end": 376.82, "confidence": 0.99260145, "punctuated_word": "states", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "either", "start": 376.82, "end": 377.30002, "confidence": 0.983679, "punctuated_word": "either", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "have", "start": 377.30002, "end": 377.78003, "confidence": 0.9661969, "punctuated_word": "have,", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "a", "start": 378.1, "end": 378.26, "confidence": 0.9989491, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "bill", "start": 378.26, "end": 378.58002, "confidence": 0.9980798, "punctuated_word": "bill", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "introduced", "start": 378.58002, "end": 379.08002, "confidence": 0.99970275, "punctuated_word": "introduced", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "or", "start": 379.995, "end": 380.39502, "confidence": 0.9895085, "punctuated_word": "or,", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "have", "start": 380.795, "end": 381.115, "confidence": 0.9979468, "punctuated_word": "have", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "started", "start": 381.115, "end": 381.515, "confidence": 0.9997441, "punctuated_word": "started", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "a", "start": 381.515, "end": 381.67502, "confidence": 0.99858946, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "process", "start": 381.67502, "end": 382.17502, "confidence": 0.99991703, "punctuated_word": "process", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "of", "start": 382.39502, "end": 382.875, "confidence": 0.99988616, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "of", "start": 382.875, "end": 383.115, "confidence": 0.97873473, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "drafting", "start": 383.115, "end": 383.595, "confidence": 0.9998832, "punctuated_word": "drafting", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "and", "start": 383.595, "end": 383.835, "confidence": 0.99672383, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "trying", "start": 383.835, "end": 384.155, "confidence": 0.9994221, "punctuated_word": "trying", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "to", "start": 384.155, "end": 384.315, "confidence": 0.9996995, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "introduce", "start": 384.315, "end": 384.795, "confidence": 0.9994086, "punctuated_word": "introduce", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "a", "start": 384.795, "end": 384.875, "confidence": 0.798113, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "bill", "start": 384.875, "end": 385.375, "confidence": 0.99786144, "punctuated_word": "bill.", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "very", "start": 385.595, "end": 385.835, "confidence": 0.99542314, "punctuated_word": "Very", "speaker": 2, "speaker_confidence": 0.5064195 }, { "word": "cool", "start": 385.835, "end": 386.155, "confidence": 0.9966447, "punctuated_word": "cool.", "speaker": 2, "speaker_confidence": 0.5064195 }, { "word": "definitely", "start": 386.155, "end": 386.475, "confidence": 0.9985631, "punctuated_word": "Definitely", "speaker": 2, "speaker_confidence": 0.5064195 }, { "word": "one", "start": 386.475, "end": 386.635, "confidence": 0.9293405, "punctuated_word": "one", "speaker": 2, "speaker_confidence": 0.5064195 }, { "word": "that", "start": 386.635, "end": 386.795, "confidence": 0.9987375, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.5064195 }, { "word": "seems", "start": 386.795, "end": 386.95502, "confidence": 0.9961415, "punctuated_word": "seems", "speaker": 2, "speaker_confidence": 0.5064195 }, { "word": "to", "start": 386.95502, "end": 387.115, "confidence": 0.985174, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "be", "start": 387.115, "end": 387.195, "confidence": 0.9637628, "punctuated_word": "be", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "resonating", "start": 387.195, "end": 387.695, "confidence": 0.9994638, "punctuated_word": "resonating", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "then", "start": 387.835, "end": 388.075, "confidence": 0.7186118, "punctuated_word": "then", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "at", "start": 388.075, "end": 388.155, "confidence": 0.99249375, "punctuated_word": "at", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "the", "start": 388.155, "end": 388.315, "confidence": 0.99903774, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "state", "start": 388.315, "end": 388.555, "confidence": 0.9968148, "punctuated_word": "state", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "level", "start": 388.555, "end": 389.055, "confidence": 0.9988548, "punctuated_word": "level.", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "another", "start": 389.435, "end": 389.755, "confidence": 0.99855894, "punctuated_word": "Another", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "one", "start": 389.755, "end": 389.995, "confidence": 0.9943346, "punctuated_word": "one", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "that", "start": 389.995, "end": 390.075, "confidence": 0.97450453, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "y'all", "start": 390.075, "end": 390.39502, "confidence": 0.9130313, "punctuated_word": "y'all", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "mentioned", "start": 390.39502, "end": 390.715, "confidence": 0.9802303, "punctuated_word": "mentioned", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "to", "start": 390.715, "end": 390.875, "confidence": 0.9974481, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "me", "start": 390.875, "end": 391.115, "confidence": 0.99798137, "punctuated_word": "me", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "happening", "start": 391.115, "end": 391.435, "confidence": 0.9942206, "punctuated_word": "happening", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "that", "start": 391.435, "end": 391.595, "confidence": 0.8714239, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "people", "start": 391.595, "end": 391.835, "confidence": 0.99883765, "punctuated_word": "people", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "are", "start": 391.835, "end": 391.915, "confidence": 0.96814597, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "acting", "start": 391.915, "end": 392.23502, "confidence": 0.99672157, "punctuated_word": "acting", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "on", "start": 392.23502, "end": 392.39502, "confidence": 0.9265957, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "are", "start": 392.39502, "end": 392.61, "confidence": 0.6750644, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "are", "start": 392.93, "end": 393.09, "confidence": 0.81334955, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "the", "start": 393.09, "end": 393.16998, "confidence": 0.72986406, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "internet", "start": 393.16998, "end": 393.49, "confidence": 0.9672152, "punctuated_word": "Internet", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "of", "start": 393.49, "end": 393.65, "confidence": 0.9988286, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "things", "start": 393.65, "end": 393.96997, "confidence": 0.6905539, "punctuated_word": "things,", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "you", "start": 393.96997, "end": 394.12997, "confidence": 0.997785, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "know", "start": 394.12997, "end": 394.28998, "confidence": 0.98481077, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "the", "start": 394.28998, "end": 394.37, "confidence": 0.7059623, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "kind", "start": 394.37, "end": 394.53, "confidence": 0.92505187, "punctuated_word": "kind", "speaker": 2, "speaker_confidence": 0.60540175 }, { "word": "of", "start": 394.53, "end": 394.68997, "confidence": 0.99769706, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.60540175 }, { "word": "that", "start": 394.68997, "end": 394.84998, "confidence": 0.98283815, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.60540175 }, { "word": "term", "start": 394.84998, "end": 395.16998, "confidence": 0.99902976, "punctuated_word": "term", "speaker": 2, "speaker_confidence": 0.60540175 }, { "word": "and", "start": 395.16998, "end": 395.33, "confidence": 0.7516274, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.60540175 }, { "word": "and", "start": 395.33, "end": 395.65, "confidence": 0.9212453, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.60540175 }, { "word": "devices", "start": 395.65, "end": 396.15, "confidence": 0.97147715, "punctuated_word": "devices.", "speaker": 2, "speaker_confidence": 0.60540175 }, { "word": "what's", "start": 396.37, "end": 396.84998, "confidence": 0.80067945, "punctuated_word": "What's", "speaker": 2, "speaker_confidence": 0.5830732 }, { "word": "what", "start": 397.00998, "end": 397.16998, "confidence": 0.99693644, "punctuated_word": "what", "speaker": 2, "speaker_confidence": 0.5830732 }, { "word": "have", "start": 397.16998, "end": 397.40997, "confidence": 0.9980958, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 0.5830732 }, { "word": "you", "start": 397.40997, "end": 397.49, "confidence": 0.9997826, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.5830732 }, { "word": "been", "start": 397.49, "end": 397.65, "confidence": 0.99897885, "punctuated_word": "been", "speaker": 2, "speaker_confidence": 0.5830732 }, { "word": "doing", "start": 397.65, "end": 397.81, "confidence": 0.99986315, "punctuated_word": "doing", "speaker": 2, "speaker_confidence": 0.5830732 }, { "word": "in", "start": 397.81, "end": 397.96997, "confidence": 0.9984692, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.5830732 }, { "word": "that", "start": 397.96997, "end": 398.12997, "confidence": 0.99981827, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.5830732 }, { "word": "space", "start": 398.12997, "end": 398.62997, "confidence": 0.999098, "punctuated_word": "space?", "speaker": 2, "speaker_confidence": 0.5830732 }, { "word": "yeah", "start": 399.25, "end": 399.49, "confidence": 0.7391779, "punctuated_word": "Yeah.", "speaker": 0, "speaker_confidence": 0.525282 }, { "word": "so", "start": 399.49, "end": 399.88998, "confidence": 0.9992329, "punctuated_word": "So", "speaker": 0, "speaker_confidence": 0.525282 }, { "word": "california", "start": 399.88998, "end": 400.38998, "confidence": 0.99296993, "punctuated_word": "California", "speaker": 0, "speaker_confidence": 0.525282 }, { "word": "actually", "start": 400.53, "end": 400.77, "confidence": 0.87793016, "punctuated_word": "actually", "speaker": 0, "speaker_confidence": 0.525282 }, { "word": "is", "start": 400.77, "end": 400.84998, "confidence": 0.65422046, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.5309933 }, { "word": "taking", "start": 400.84998, "end": 401.16998, "confidence": 0.9872596, "punctuated_word": "taking", "speaker": 0, "speaker_confidence": 0.5309933 }, { "word": "the", "start": 401.16998, "end": 401.25, "confidence": 0.71453285, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.5309933 }, { "word": "lead", "start": 401.25, "end": 401.40997, "confidence": 0.9997801, "punctuated_word": "lead", "speaker": 0, "speaker_confidence": 0.5309933 }, { "word": "on", "start": 401.40997, "end": 401.56998, "confidence": 0.99964285, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 0.5309933 }, { "word": "this", "start": 401.56998, "end": 401.81, "confidence": 0.9961704, "punctuated_word": "this.", "speaker": 0, "speaker_confidence": 0.5309933 }, { "word": "they", "start": 401.81, "end": 401.88998, "confidence": 0.998809, "punctuated_word": "They", "speaker": 0, "speaker_confidence": 0.5309933 }, { "word": "have", "start": 401.88998, "end": 402.05, "confidence": 0.99973196, "punctuated_word": "have", "speaker": 0, "speaker_confidence": 0.5309933 }, { "word": "a", "start": 402.05, "end": 402.12997, "confidence": 0.99926096, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "new", "start": 402.12997, "end": 402.37, "confidence": 0.9997118, "punctuated_word": "new", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "bill", "start": 402.37, "end": 402.53, "confidence": 0.9976546, "punctuated_word": "bill", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "that", "start": 402.53, "end": 402.77, "confidence": 0.9986833, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "they've", "start": 402.77, "end": 402.93, "confidence": 0.9981184, "punctuated_word": "they've", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "been", "start": 402.93, "end": 403.09, "confidence": 0.9996302, "punctuated_word": "been", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "working", "start": 403.09, "end": 403.40997, "confidence": 0.99957424, "punctuated_word": "working", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "on", "start": 403.40997, "end": 403.65, "confidence": 0.993414, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "and", "start": 403.65, "end": 403.81, "confidence": 0.9818132, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "and", "start": 403.81, "end": 404.05, "confidence": 0.95643234, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "revising", "start": 404.05, "end": 404.55, "confidence": 0.99960685, "punctuated_word": "revising", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "in", "start": 404.61, "end": 404.77, "confidence": 0.9972494, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "the", "start": 404.77, "end": 404.93, "confidence": 0.9956827, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "past", "start": 404.93, "end": 405.16998, "confidence": 0.9989242, "punctuated_word": "past", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "weeks", "start": 405.16998, "end": 405.49, "confidence": 0.9764697, "punctuated_word": "weeks", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "called", "start": 405.49, "end": 405.99, "confidence": 0.97375023, "punctuated_word": "called,", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "the", "start": 406.06778, "end": 406.08554, "confidence": 0.973751, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "teddy", "start": 406.08554, "end": 406.10333, "confidence": 0.85541826, "punctuated_word": "Teddy", "speaker": 0, "speaker_confidence": 0.71027577 }, { "word": "baron", "start": 406.10333, "end": 406.1211, "confidence": 0.78005147, "punctuated_word": "Baron", "speaker": 0, "speaker_confidence": 0.71027577 }, { "word": "toaster", "start": 406.1211, "end": 406.1389, "confidence": 0.8638859, "punctuated_word": "Toaster", "speaker": 0, "speaker_confidence": 0.71027577 }, { "word": "bill", "start": 406.1389, "end": 406.15665, "confidence": 0.69048095, "punctuated_word": "Bill,", "speaker": 0, "speaker_confidence": 0.71027577 }, { "word": "which", "start": 406.15665, "end": 406.17444, "confidence": 0.8137841, "punctuated_word": "which", "speaker": 0, "speaker_confidence": 0.71027577 }, { "word": "focuses", "start": 406.17444, "end": 406.1922, "confidence": 0.5739901, "punctuated_word": "focuses", "speaker": 0, "speaker_confidence": 0.71027577 }, { "word": "on", "start": 406.1922, "end": 406.21, "confidence": 0.65959954, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 0.71027577 }, { "word": "yeah", "start": 406.46, "end": 406.96, "confidence": 0.75495994, "punctuated_word": "yeah.", "speaker": 0, "speaker_confidence": 0.71027577 }, { "word": "focuses", "start": 408.315, "end": 408.475, "confidence": 0.81490886, "punctuated_word": "Focuses", "speaker": 0, "speaker_confidence": 0.71027577 }, { "word": "on", "start": 408.475, "end": 408.755, "confidence": 0.7437811, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 0.71027577 }, { "word": "yeah", "start": 409.035, "end": 409.535, "confidence": 0.6305816, "punctuated_word": "Yeah,", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "good", "start": 409.67502, "end": 409.915, "confidence": 0.8613152, "punctuated_word": "good", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "name", "start": 409.915, "end": 410.415, "confidence": 0.82278174, "punctuated_word": "name.", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "focuses", "start": 410.635, "end": 410.95502, "confidence": 0.5434584, "punctuated_word": "Focuses", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "on", "start": 410.95502, "end": 411.195, "confidence": 0.9987173, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "data", "start": 411.195, "end": 411.435, "confidence": 0.9963786, "punctuated_word": "data", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "collection", "start": 411.435, "end": 411.915, "confidence": 0.90952075, "punctuated_word": "collection,", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "consent", "start": 411.915, "end": 412.315, "confidence": 0.85775983, "punctuated_word": "consent,", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "and", "start": 412.315, "end": 412.55502, "confidence": 0.9992454, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "disclosure", "start": 412.55502, "end": 413.05502, "confidence": 0.9993401, "punctuated_word": "disclosure", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "requirements", "start": 413.11502, "end": 413.515, "confidence": 0.9986039, "punctuated_word": "requirements", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "for", "start": 413.515, "end": 413.67502, "confidence": 0.9959787, "punctuated_word": "for", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "smart", "start": 413.67502, "end": 413.99503, "confidence": 0.99816185, "punctuated_word": "smart", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "devices", "start": 413.99503, "end": 414.39502, "confidence": 0.99912745, "punctuated_word": "devices", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "covering", "start": 414.39502, "end": 414.71503, "confidence": 0.6382539, "punctuated_word": "covering", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "everything", "start": 414.71503, "end": 415.21503, "confidence": 0.9994904, "punctuated_word": "everything", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "from", "start": 415.27502, "end": 415.595, "confidence": 0.9973475, "punctuated_word": "from", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "teddy", "start": 415.595, "end": 415.915, "confidence": 0.98548293, "punctuated_word": "teddy", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "bears", "start": 415.915, "end": 416.23502, "confidence": 0.9994548, "punctuated_word": "bears", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "to", "start": 416.23502, "end": 416.315, "confidence": 0.99224854, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.6001198 }, { "word": "toasters", "start": 416.315, "end": 416.71503, "confidence": 0.85085183, "punctuated_word": "toasters,", "speaker": 0, "speaker_confidence": 0.6001198 }, { "word": "as", "start": 416.71503, "end": 416.875, "confidence": 0.9951864, "punctuated_word": "as", "speaker": 0, "speaker_confidence": 0.6001198 }, { "word": "you", "start": 416.875, "end": 416.95502, "confidence": 0.9998122, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 0.6001198 }, { "word": "might", "start": 416.95502, "end": 417.195, "confidence": 0.999382, "punctuated_word": "might", "speaker": 0, "speaker_confidence": 0.6001198 }, { "word": "imagine", "start": 417.195, "end": 417.695, "confidence": 0.9641504, "punctuated_word": "imagine.", "speaker": 0, "speaker_confidence": 0.6001198 }, { "word": "but", "start": 418.155, "end": 418.39502, "confidence": 0.9921205, "punctuated_word": "But", "speaker": 0, "speaker_confidence": 0.6259503 }, { "word": "notably", "start": 418.39502, "end": 418.875, "confidence": 0.7681936, "punctuated_word": "notably,", "speaker": 0, "speaker_confidence": 0.6259503 }, { "word": "it", "start": 418.875, "end": 418.95502, "confidence": 0.99946254, "punctuated_word": "it", "speaker": 0, "speaker_confidence": 0.6259503 }, { "word": "doesn't", "start": 418.95502, "end": 419.27502, "confidence": 0.9995613, "punctuated_word": "doesn't", "speaker": 0, "speaker_confidence": 0.6259503 }, { "word": "cover", "start": 419.27502, "end": 419.515, "confidence": 0.9998022, "punctuated_word": "cover", "speaker": 0, "speaker_confidence": 0.6259503 }, { "word": "connected", "start": 419.515, "end": 419.99503, "confidence": 0.99636805, "punctuated_word": "connected", "speaker": 0, "speaker_confidence": 0.6259503 }, { "word": "cars", "start": 419.99503, "end": 420.49503, "confidence": 0.9747107, "punctuated_word": "cars,", "speaker": 0, "speaker_confidence": 0.6259503 }, { "word": "which", "start": 420.795, "end": 421.035, "confidence": 0.999666, "punctuated_word": "which", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "is", "start": 421.035, "end": 421.195, "confidence": 0.99882597, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "an", "start": 421.195, "end": 421.27502, "confidence": 0.9976973, "punctuated_word": "an", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "area", "start": 421.27502, "end": 421.595, "confidence": 0.9995914, "punctuated_word": "area", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "where", "start": 421.595, "end": 421.83502, "confidence": 0.99913776, "punctuated_word": "where", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 421.83502, "end": 421.99503, "confidence": 0.99933857, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "federal", "start": 421.99503, "end": 422.315, "confidence": 0.89247715, "punctuated_word": "federal", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "government", "start": 422.315, "end": 422.71503, "confidence": 0.99958855, "punctuated_word": "government", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "has", "start": 422.71503, "end": 422.875, "confidence": 0.9995566, "punctuated_word": "has", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "had", "start": 422.875, "end": 423.035, "confidence": 0.9985024, "punctuated_word": "had", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "some", "start": 423.035, "end": 423.195, "confidence": 0.99812645, "punctuated_word": "some", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "leadership", "start": 423.195, "end": 423.67502, "confidence": 0.99967337, "punctuated_word": "leadership", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "through", "start": 423.67502, "end": 424.05, "confidence": 0.9926685, "punctuated_word": "through", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 424.12997, "end": 424.21, "confidence": 0.9947241, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "department", "start": 424.21, "end": 424.53, "confidence": 0.95592606, "punctuated_word": "Department", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "of", "start": 424.53, "end": 425.03, "confidence": 0.99693644, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "transportation", "start": 425.16998, "end": 425.66998, "confidence": 0.8016449, "punctuated_word": "Transportation,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 425.97, "end": 426.12997, "confidence": 0.9895425, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "ftc", "start": 426.12997, "end": 426.53, "confidence": 0.9917801, "punctuated_word": "FTC", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "is", "start": 426.53, "end": 426.69, "confidence": 0.9903014, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "stepping", "start": 426.69, "end": 426.93, "confidence": 0.99769294, "punctuated_word": "stepping", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "up", "start": 426.93, "end": 427.16998, "confidence": 0.9985214, "punctuated_word": "up", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "regulation", "start": 427.16998, "end": 427.56998, "confidence": 0.99290234, "punctuated_word": "regulation", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "there", "start": 427.56998, "end": 427.81, "confidence": 0.8328577, "punctuated_word": "there,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "and", "start": 427.81, "end": 428.05, "confidence": 0.9982779, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "we", "start": 428.05, "end": 428.21, "confidence": 0.9992754, "punctuated_word": "we", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "haven't", "start": 428.21, "end": 428.53, "confidence": 0.999086, "punctuated_word": "haven't", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "seen", "start": 428.53, "end": 428.84998, "confidence": 0.99500054, "punctuated_word": "seen", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 428.84998, "end": 428.93, "confidence": 0.997618, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "states", "start": 428.93, "end": 429.33, "confidence": 0.9057431, "punctuated_word": "states", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "really", "start": 429.33, "end": 429.81, "confidence": 0.9443127, "punctuated_word": "really", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "make", "start": 429.81, "end": 430.05, "confidence": 0.8101067, "punctuated_word": "make", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 430.05, "end": 430.12997, "confidence": 0.9977847, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "big", "start": 430.12997, "end": 430.28998, "confidence": 0.99482226, "punctuated_word": "big", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "push", "start": 430.28998, "end": 430.53, "confidence": 0.99955696, "punctuated_word": "push", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "on", "start": 430.53, "end": 430.61, "confidence": 0.9970067, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "this", "start": 430.61, "end": 430.84998, "confidence": 0.9973923, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "as", "start": 430.84998, "end": 431.00998, "confidence": 0.98616993, "punctuated_word": "as", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "of", "start": 431.00998, "end": 431.25, "confidence": 0.9961274, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "yet", "start": 431.25, "end": 431.56998, "confidence": 0.9317441, "punctuated_word": "yet.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "so", "start": 431.56998, "end": 432.05, "confidence": 0.79648983, "punctuated_word": "So,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "they", "start": 432.21, "end": 432.37, "confidence": 0.9986077, "punctuated_word": "they", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "are", "start": 432.37, "end": 432.61, "confidence": 0.83708084, "punctuated_word": "are,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "however", "start": 432.61, "end": 433.09, "confidence": 0.994853, "punctuated_word": "however,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "responsive", "start": 433.09, "end": 433.59, "confidence": 0.99845934, "punctuated_word": "responsive", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 433.72998, "end": 434.22998, "confidence": 0.99525154, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 434.28998, "end": 434.53, "confidence": 0.99073774, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "iot", "start": 434.53, "end": 435.00998, "confidence": 0.7659627, "punctuated_word": "IOT", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "and", "start": 435.00998, "end": 435.16998, "confidence": 0.6431133, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "security", "start": 435.16998, "end": 435.56998, "confidence": 0.9960886, "punctuated_word": "security", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "issues", "start": 435.56998, "end": 435.88998, "confidence": 0.9988539, "punctuated_word": "issues", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "that", "start": 435.88998, "end": 436.05, "confidence": 0.9781432, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "we've", "start": 436.05, "end": 436.21, "confidence": 0.9770949, "punctuated_word": "we've", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "been", "start": 436.21, "end": 436.37, "confidence": 0.9970643, "punctuated_word": "been", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "seeing", "start": 436.37, "end": 436.53, "confidence": 0.88609517, "punctuated_word": "seeing.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "so", "start": 436.53, "end": 436.69, "confidence": 0.9884115, "punctuated_word": "So", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "it's", "start": 436.69, "end": 436.84998, "confidence": 0.97055244, "punctuated_word": "it's", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "not", "start": 436.84998, "end": 437.00998, "confidence": 0.9954016, "punctuated_word": "not", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "only", "start": 437.00998, "end": 437.33, "confidence": 0.9858397, "punctuated_word": "only", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 437.33, "end": 437.40997, "confidence": 0.912625, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 437.40997, "end": 437.90997, "confidence": 0.99402535, "punctuated_word": "privacy", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "issue", "start": 437.955, "end": 438.19498, "confidence": 0.82338834, "punctuated_word": "issue,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "but", "start": 438.19498, "end": 438.35498, "confidence": 0.99818736, "punctuated_word": "but", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 438.35498, "end": 438.435, "confidence": 0.97188145, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "security", "start": 438.435, "end": 438.91498, "confidence": 0.9995933, "punctuated_word": "security", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "one", "start": 438.91498, "end": 439.155, "confidence": 0.994735, "punctuated_word": "one", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "as", "start": 439.155, "end": 439.235, "confidence": 0.9647708, "punctuated_word": "as", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "well", "start": 439.235, "end": 439.47498, "confidence": 0.9998385, "punctuated_word": "well", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "for", "start": 439.47498, "end": 439.63498, "confidence": 0.9858525, "punctuated_word": "for", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 439.63498, "end": 439.715, "confidence": 0.9965932, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "states", "start": 439.715, "end": 440.115, "confidence": 0.9619406, "punctuated_word": "states.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "if", "start": 440.435, "end": 440.595, "confidence": 0.973449, "punctuated_word": "If", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "you", "start": 440.595, "end": 440.675, "confidence": 0.9974842, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "look", "start": 440.675, "end": 440.91498, "confidence": 0.9981316, "punctuated_word": "look", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "at", "start": 440.91498, "end": 440.995, "confidence": 0.99717975, "punctuated_word": "at", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "something", "start": 440.995, "end": 441.495, "confidence": 0.99845135, "punctuated_word": "something", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "like", "start": 441.79498, "end": 442.03497, "confidence": 0.9832755, "punctuated_word": "like", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 442.03497, "end": 442.19498, "confidence": 0.99366367, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "mirai", "start": 442.19498, "end": 442.51498, "confidence": 0.96882623, "punctuated_word": "Mirai", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "botnet", "start": 442.51498, "end": 442.91498, "confidence": 0.9384948, "punctuated_word": "botnet", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "we", "start": 442.91498, "end": 443.07498, "confidence": 0.67273724, "punctuated_word": "we", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "saw", "start": 443.07498, "end": 443.235, "confidence": 0.99873763, "punctuated_word": "saw", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 443.235, "end": 443.31497, "confidence": 0.99288094, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "few", "start": 443.31497, "end": 443.47498, "confidence": 0.9994456, "punctuated_word": "few", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "months", "start": 443.47498, "end": 443.715, "confidence": 0.9989649, "punctuated_word": "months", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "ago", "start": 443.715, "end": 444.03497, "confidence": 0.99968326, "punctuated_word": "ago", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "that", "start": 444.03497, "end": 444.275, "confidence": 0.78943634, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "shut", "start": 444.275, "end": 444.435, "confidence": 0.90532935, "punctuated_word": "shut", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "down", "start": 444.435, "end": 444.935, "confidence": 0.99597687, "punctuated_word": "down", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "netflix", "start": 445.395, "end": 445.895, "confidence": 0.49373844, "punctuated_word": "Netflix", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "among", "start": 445.955, "end": 446.19498, "confidence": 0.8229423, "punctuated_word": "among", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "other", "start": 446.19498, "end": 446.435, "confidence": 0.98653316, "punctuated_word": "other", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "major", "start": 446.435, "end": 446.75497, "confidence": 0.9968027, "punctuated_word": "major", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "companies", "start": 446.75497, "end": 447.155, "confidence": 0.9986118, "punctuated_word": "companies", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "on", "start": 447.155, "end": 447.31497, "confidence": 0.991211, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 447.31497, "end": 447.47498, "confidence": 0.9991653, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "east", "start": 447.47498, "end": 447.63498, "confidence": 0.6992883, "punctuated_word": "East", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "coast", "start": 447.63498, "end": 447.955, "confidence": 0.89215153, "punctuated_word": "Coast", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "for", "start": 447.955, "end": 448.115, "confidence": 0.9940361, "punctuated_word": "for", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "quite", "start": 448.115, "end": 448.35498, "confidence": 0.9902097, "punctuated_word": "quite", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 448.35498, "end": 448.435, "confidence": 0.9258696, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "while", "start": 448.435, "end": 448.935, "confidence": 0.8567079, "punctuated_word": "while,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "these", "start": 449.555, "end": 449.79498, "confidence": 0.9951373, "punctuated_word": "these", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "states", "start": 449.79498, "end": 450.19498, "confidence": 0.8725419, "punctuated_word": "states,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "particularly", "start": 450.19498, "end": 450.69498, "confidence": 0.99640274, "punctuated_word": "particularly", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "california", "start": 450.75497, "end": 451.25497, "confidence": 0.8826196, "punctuated_word": "California,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "is", "start": 451.44, "end": 451.74734, "confidence": 0.9901142, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "stepping", "start": 451.74734, "end": 452.05472, "confidence": 0.9997632, "punctuated_word": "stepping", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "up", "start": 452.05472, "end": 452.36206, "confidence": 0.9995796, "punctuated_word": "up", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 452.36206, "end": 452.6694, "confidence": 0.99938357, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "institute", "start": 452.6694, "end": 452.97678, "confidence": 0.9757464, "punctuated_word": "institute", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "some", "start": 452.97678, "end": 453.28412, "confidence": 0.9998078, "punctuated_word": "some", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "kind", "start": 453.28412, "end": 453.59146, "confidence": 0.99794656, "punctuated_word": "kind", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "of", "start": 453.59146, "end": 453.89883, "confidence": 0.9998317, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "data", "start": 453.89883, "end": 454.20618, "confidence": 0.99908686, "punctuated_word": "data", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "security", "start": 454.20618, "end": 454.51352, "confidence": 0.99977213, "punctuated_word": "security", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "measures", "start": 454.51352, "end": 454.8209, "confidence": 0.9881988, "punctuated_word": "measures,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 455.12823, "end": 455.43558, "confidence": 0.99971896, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "stop", "start": 455.43558, "end": 455.74295, "confidence": 0.9998485, "punctuated_word": "stop", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "these", "start": 455.74295, "end": 456.0503, "confidence": 0.9990978, "punctuated_word": "these", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "botnets", "start": 456.0503, "end": 456.35764, "confidence": 0.96714944, "punctuated_word": "botnets", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "from", "start": 456.35764, "end": 456.665, "confidence": 0.9998155, "punctuated_word": "from", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "happening", "start": 456.665, "end": 456.97235, "confidence": 0.9995686, "punctuated_word": "happening.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "okay", "start": 456.97235, "end": 457.2797, "confidence": 0.99633235, "punctuated_word": "Okay.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "do", "start": 457.2797, "end": 457.58707, "confidence": 0.9952413, "punctuated_word": "Do", "speaker": 3, "speaker_confidence": 0.0 }, { "word": "do", "start": 457.58707, "end": 457.8944, "confidence": 0.9841118, "punctuated_word": "do", "speaker": 2, "speaker_confidence": 0.027643442 }, { "word": "either", "start": 457.8944, "end": 458.20175, "confidence": 0.9914493, "punctuated_word": "either", "speaker": 2, "speaker_confidence": 0.027643442 }, { "word": "of", "start": 458.20175, "end": 458.50912, "confidence": 0.9914225, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.55647147 }, { "word": "you", "start": 458.50912, "end": 458.81647, "confidence": 0.99880457, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.55647147 }, { "word": "know", "start": 458.81647, "end": 459.1238, "confidence": 0.9989513, "punctuated_word": "know", "speaker": 2, "speaker_confidence": 0.55647147 }, { "word": "who", "start": 459.1238, "end": 459.43118, "confidence": 0.99890363, "punctuated_word": "who", "speaker": 2, "speaker_confidence": 0.55647147 }, { "word": "teddy", "start": 459.43118, "end": 459.73853, "confidence": 0.992605, "punctuated_word": "Teddy", "speaker": 2, "speaker_confidence": 0.55647147 }, { "word": "ruxpin", "start": 459.73853, "end": 460.04587, "confidence": 0.9927073, "punctuated_word": "Ruxpin", "speaker": 2, "speaker_confidence": 0.55647147 }, { "word": "is", "start": 460.04587, "end": 460.35324, "confidence": 0.9993098, "punctuated_word": "is?", "speaker": 2, "speaker_confidence": 0.55647147 }, { "word": "i've", "start": 460.35324, "end": 460.66058, "confidence": 0.9991609, "punctuated_word": "I've", "speaker": 2, "speaker_confidence": 0.55647147 }, { "word": "heard", "start": 460.66058, "end": 460.96793, "confidence": 0.9997886, "punctuated_word": "heard", "speaker": 2, "speaker_confidence": 0.55647147 }, { "word": "the", "start": 460.96793, "end": 461.2753, "confidence": 0.9986895, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.31348366 }, { "word": "name", "start": 461.2753, "end": 461.58264, "confidence": 0.9972385, "punctuated_word": "name.", "speaker": 0, "speaker_confidence": 0.31348366 }, { "word": "oh", "start": 461.58264, "end": 461.88998, "confidence": 0.94106317, "punctuated_word": "Oh,", "speaker": 1, "speaker_confidence": 0.16319776 }, { "word": "gosh", "start": 461.88998, "end": 462.19736, "confidence": 0.99658257, "punctuated_word": "gosh.", "speaker": 1, "speaker_confidence": 0.16319776 }, { "word": "you're", "start": 462.19736, "end": 462.5047, "confidence": 0.99733514, "punctuated_word": "You're", "speaker": 1, "speaker_confidence": 0.16319776 }, { "word": "all", "start": 462.5047, "end": 462.81204, "confidence": 0.875984, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.16319776 }, { "word": "so", "start": 462.81204, "end": 463.11942, "confidence": 0.99862397, "punctuated_word": "so", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "young", "start": 463.11942, "end": 463.42676, "confidence": 0.9811367, "punctuated_word": "young.", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "anyway", "start": 463.42676, "end": 463.7341, "confidence": 0.987671, "punctuated_word": "Anyway,", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "connected", "start": 463.7341, "end": 464.04147, "confidence": 0.93254346, "punctuated_word": "connected", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "devices", "start": 464.04147, "end": 464.34882, "confidence": 0.8921211, "punctuated_word": "devices.", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "teddy", "start": 464.34882, "end": 464.65616, "confidence": 0.99526393, "punctuated_word": "Teddy", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "was", "start": 464.65616, "end": 464.96353, "confidence": 0.9994398, "punctuated_word": "was", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "so", "start": 464.96353, "end": 465.27087, "confidence": 0.9990382, "punctuated_word": "so", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "ahead", "start": 465.27087, "end": 465.57822, "confidence": 0.9998215, "punctuated_word": "ahead", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "of", "start": 465.57822, "end": 465.8856, "confidence": 0.99933076, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "his", "start": 465.8856, "end": 466.19293, "confidence": 0.988372, "punctuated_word": "his", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "time", "start": 466.19293, "end": 466.50027, "confidence": 0.9982042, "punctuated_word": "time.", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "that's", "start": 466.50027, "end": 466.80765, "confidence": 0.96797657, "punctuated_word": "That's", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "right", "start": 466.80765, "end": 467.115, "confidence": 0.9969932, "punctuated_word": "right.", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "that's", "start": 467.115, "end": 467.51498, "confidence": 0.955859, "punctuated_word": "That's", "speaker": 2, "speaker_confidence": 0.12133801 }, { "word": "right", "start": 467.51498, "end": 467.59497, "confidence": 0.99884915, "punctuated_word": "right.", "speaker": 2, "speaker_confidence": 0.12133801 }, { "word": "so", "start": 467.675, "end": 467.995, "confidence": 0.8833974, "punctuated_word": "So,", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "vijay", "start": 467.995, "end": 468.315, "confidence": 0.99164104, "punctuated_word": "Vijay,", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "you", "start": 468.315, "end": 468.47498, "confidence": 0.99935085, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "were", "start": 468.47498, "end": 468.63498, "confidence": 0.84930813, "punctuated_word": "were", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "also", "start": 468.63498, "end": 468.955, "confidence": 0.99948174, "punctuated_word": "also", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "just", "start": 468.955, "end": 469.19498, "confidence": 0.99964297, "punctuated_word": "just", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "in", "start": 469.19498, "end": 469.675, "confidence": 0.9999207, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "springfield", "start": 469.675, "end": 470.175, "confidence": 0.9893868, "punctuated_word": "Springfield.", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "what", "start": 471.035, "end": 471.19498, "confidence": 0.99580944, "punctuated_word": "What", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "were", "start": 471.19498, "end": 471.35498, "confidence": 0.9985292, "punctuated_word": "were", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "you", "start": 471.35498, "end": 471.51498, "confidence": 0.999818, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "out", "start": 471.51498, "end": 471.675, "confidence": 0.99980634, "punctuated_word": "out", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "there", "start": 471.675, "end": 471.91498, "confidence": 0.99962425, "punctuated_word": "there", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "for", "start": 471.91498, "end": 472.155, "confidence": 0.9853656, "punctuated_word": "for?", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "so", "start": 472.155, "end": 472.395, "confidence": 0.89541876, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "you", "start": 472.395, "end": 472.555, "confidence": 0.99208164, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "mentioned", "start": 472.555, "end": 472.955, "confidence": 0.99933714, "punctuated_word": "mentioned", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "illinois", "start": 472.955, "end": 473.435, "confidence": 0.99888664, "punctuated_word": "Illinois", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "before", "start": 473.435, "end": 473.755, "confidence": 0.9441577, "punctuated_word": "before,", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "but", "start": 473.755, "end": 473.995, "confidence": 0.9988643, "punctuated_word": "but", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "what", "start": 473.995, "end": 474.235, "confidence": 0.9825133, "punctuated_word": "what", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "what", "start": 474.235, "end": 474.395, "confidence": 0.9862031, "punctuated_word": "what", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "are", "start": 474.395, "end": 474.555, "confidence": 0.99797875, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "some", "start": 474.555, "end": 474.715, "confidence": 0.9997656, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "of", "start": 474.715, "end": 474.79498, "confidence": 0.99910945, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "the", "start": 474.79498, "end": 474.875, "confidence": 0.99840087, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "things", "start": 474.875, "end": 475.035, "confidence": 0.99976426, "punctuated_word": "things", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "they're", "start": 475.035, "end": 475.275, "confidence": 0.96391165, "punctuated_word": "they're", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "working", "start": 475.275, "end": 475.51498, "confidence": 0.99985385, "punctuated_word": "working", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "on", "start": 475.51498, "end": 475.675, "confidence": 0.9974679, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "right", "start": 475.755, "end": 475.79498, "confidence": 0.97595364, "punctuated_word": "Right.", "speaker": 0, "speaker_confidence": 0.10232365 }, { "word": "or", "start": 475.835, "end": 476.07498, "confidence": 0.70295984, "punctuated_word": "Or", "speaker": 0, "speaker_confidence": 0.10232365 }, { "word": "you", "start": 476.07498, "end": 476.155, "confidence": 0.9715746, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 0.10232365 }, { "word": "were", "start": 476.155, "end": 476.315, "confidence": 0.98940873, "punctuated_word": "were", "speaker": 2, "speaker_confidence": 0.24048102 }, { "word": "out", "start": 476.315, "end": 476.47498, "confidence": 0.99814856, "punctuated_word": "out", "speaker": 2, "speaker_confidence": 0.24048102 }, { "word": "there", "start": 476.47498, "end": 476.555, "confidence": 0.99935013, "punctuated_word": "there", "speaker": 2, "speaker_confidence": 0.24048102 }, { "word": "for", "start": 476.555, "end": 476.79498, "confidence": 0.99461627, "punctuated_word": "for?", "speaker": 2, "speaker_confidence": 0.24048102 }, { "word": "yeah", "start": 476.79498, "end": 476.955, "confidence": 0.9974899, "punctuated_word": "Yeah.", "speaker": 0, "speaker_confidence": 0.40243816 }, { "word": "we've", "start": 476.955, "end": 477.19498, "confidence": 0.99896675, "punctuated_word": "We've", "speaker": 0, "speaker_confidence": 0.40243816 }, { "word": "been", "start": 477.19498, "end": 477.35498, "confidence": 0.999616, "punctuated_word": "been", "speaker": 0, "speaker_confidence": 0.40243816 }, { "word": "working", "start": 477.35498, "end": 477.595, "confidence": 0.99968016, "punctuated_word": "working", "speaker": 0, "speaker_confidence": 0.40243816 }, { "word": "with", "start": 477.595, "end": 477.675, "confidence": 0.9995509, "punctuated_word": "with", "speaker": 0, "speaker_confidence": 0.40243816 }, { "word": "a", "start": 477.675, "end": 477.755, "confidence": 0.95191544, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.40243816 }, { "word": "couple", "start": 477.755, "end": 478.07498, "confidence": 0.9999416, "punctuated_word": "couple", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "groups", "start": 478.07498, "end": 478.315, "confidence": 0.62926406, "punctuated_word": "groups", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "in", "start": 478.315, "end": 478.47498, "confidence": 0.99971753, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "illinois", "start": 478.47498, "end": 478.97498, "confidence": 0.9998779, "punctuated_word": "Illinois", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "to", "start": 479.035, "end": 479.115, "confidence": 0.99956876, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "get", "start": 479.115, "end": 479.435, "confidence": 0.9998745, "punctuated_word": "get", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "a", "start": 479.435, "end": 479.595, "confidence": 0.8135147, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "pair", "start": 479.595, "end": 479.835, "confidence": 0.97731817, "punctuated_word": "pair", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "of", "start": 479.835, "end": 479.91498, "confidence": 0.9849541, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "bills", "start": 479.91498, "end": 480.315, "confidence": 0.9981889, "punctuated_word": "bills", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "passed", "start": 480.315, "end": 480.63498, "confidence": 0.99726015, "punctuated_word": "passed.", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "the", "start": 480.79498, "end": 480.955, "confidence": 0.99712855, "punctuated_word": "The", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "first", "start": 480.955, "end": 481.19498, "confidence": 0.9991609, "punctuated_word": "first", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "one", "start": 481.19498, "end": 481.35498, "confidence": 0.99889153, "punctuated_word": "one", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "that", "start": 481.35498, "end": 481.51498, "confidence": 0.99902284, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "i", "start": 481.51498, "end": 481.755, "confidence": 0.99870133, "punctuated_word": "I", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "went", "start": 481.755, "end": 482.07498, "confidence": 0.99636036, "punctuated_word": "went", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 482.07498, "end": 482.52, "confidence": 0.9814461, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "springfield", "start": 483.24, "end": 483.72, "confidence": 0.91962415, "punctuated_word": "Springfield,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "illinois", "start": 483.72, "end": 484.12, "confidence": 0.98560417, "punctuated_word": "Illinois", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 484.12, "end": 484.28, "confidence": 0.9544395, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "testify", "start": 484.28, "end": 484.59998, "confidence": 0.9959565, "punctuated_word": "testify", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "on", "start": 484.59998, "end": 484.84, "confidence": 0.99394256, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "was", "start": 484.84, "end": 485.08, "confidence": 0.98870975, "punctuated_word": "was", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 485.08, "end": 485.16, "confidence": 0.97241783, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "geolocation", "start": 485.16, "end": 485.66, "confidence": 0.94900244, "punctuated_word": "geolocation", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 485.8, "end": 486.12, "confidence": 0.99586076, "punctuated_word": "privacy", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "bill", "start": 486.12, "end": 486.62, "confidence": 0.86184835, "punctuated_word": "bill.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "and", "start": 487.16, "end": 487.24, "confidence": 0.94550955, "punctuated_word": "And", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "this", "start": 487.24, "end": 487.47998, "confidence": 0.9976215, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "bill", "start": 487.47998, "end": 487.8, "confidence": 0.99798125, "punctuated_word": "bill", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "basically", "start": 487.8, "end": 488.3, "confidence": 0.99037117, "punctuated_word": "basically", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "required", "start": 488.36, "end": 488.75998, "confidence": 0.99693954, "punctuated_word": "required", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "notice", "start": 488.75998, "end": 489.08, "confidence": 0.998094, "punctuated_word": "notice", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "and", "start": 489.08, "end": 489.24, "confidence": 0.99839395, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "consent", "start": 489.24, "end": 489.63998, "confidence": 0.99936336, "punctuated_word": "consent", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "before", "start": 489.63998, "end": 489.96, "confidence": 0.99822503, "punctuated_word": "before", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "apps", "start": 489.96, "end": 490.36, "confidence": 0.9814478, "punctuated_word": "apps", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "could", "start": 490.36, "end": 490.68, "confidence": 0.9934283, "punctuated_word": "could", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "collect", "start": 490.68, "end": 491.08, "confidence": 0.9971976, "punctuated_word": "collect", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "and", "start": 491.08, "end": 491.31998, "confidence": 0.9951213, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "use", "start": 491.31998, "end": 491.63998, "confidence": 0.99794036, "punctuated_word": "use", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "your", "start": 491.63998, "end": 492.13998, "confidence": 0.99453294, "punctuated_word": "your", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "precise", "start": 492.44, "end": 492.84, "confidence": 0.74766296, "punctuated_word": "precise", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "geolocation", "start": 492.84, "end": 493.34, "confidence": 0.9955829, "punctuated_word": "geolocation", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "information", "start": 493.47998, "end": 493.97998, "confidence": 0.97535026, "punctuated_word": "information.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "so", "start": 494.52, "end": 494.68, "confidence": 0.9680917, "punctuated_word": "So", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "this", "start": 494.68, "end": 494.84, "confidence": 0.9903352, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "isn't", "start": 494.84, "end": 495.15997, "confidence": 0.8766084, "punctuated_word": "isn't,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "you", "start": 495.15997, "end": 495.4, "confidence": 0.9882422, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "know", "start": 495.4, "end": 495.72, "confidence": 0.99501634, "punctuated_word": "know,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "covering", "start": 495.72, "end": 496.12, "confidence": 0.99642134, "punctuated_word": "covering", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "your", "start": 496.12, "end": 496.28, "confidence": 0.9929509, "punctuated_word": "your", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "address", "start": 496.28, "end": 496.59998, "confidence": 0.99704474, "punctuated_word": "address", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "or", "start": 496.59998, "end": 496.75998, "confidence": 0.97554976, "punctuated_word": "or", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "something", "start": 496.75998, "end": 497.08, "confidence": 0.9924544, "punctuated_word": "something", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "you", "start": 497.08, "end": 497.24, "confidence": 0.94225657, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "might", "start": 497.24, "end": 497.4, "confidence": 0.983451, "punctuated_word": "might", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "input", "start": 497.4, "end": 497.72, "confidence": 0.9918995, "punctuated_word": "input", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "into", "start": 497.72, "end": 497.96, "confidence": 0.9775454, "punctuated_word": "into", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 497.96, "end": 498.03998, "confidence": 0.8357794, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "web", "start": 498.03998, "end": 498.255, "confidence": 0.88544244, "punctuated_word": "web", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "site", "start": 498.255, "end": 498.415, "confidence": 0.8858044, "punctuated_word": "site,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "but", "start": 498.415, "end": 498.655, "confidence": 0.9895683, "punctuated_word": "but", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "rather", "start": 498.655, "end": 498.89502, "confidence": 0.9932441, "punctuated_word": "rather", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "when", "start": 498.89502, "end": 499.39502, "confidence": 0.92521274, "punctuated_word": "when", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 499.695, "end": 499.855, "confidence": 0.9953874, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "map", "start": 499.855, "end": 500.17502, "confidence": 0.9932115, "punctuated_word": "map", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "app", "start": 500.17502, "end": 500.335, "confidence": 0.99535346, "punctuated_word": "app", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "or", "start": 500.335, "end": 500.575, "confidence": 0.9724603, "punctuated_word": "or", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "something", "start": 500.575, "end": 500.815, "confidence": 0.9992071, "punctuated_word": "something", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "like", "start": 500.815, "end": 501.055, "confidence": 0.99668, "punctuated_word": "like", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "that", "start": 501.055, "end": 501.375, "confidence": 0.9995808, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "wants", "start": 501.375, "end": 501.615, "confidence": 0.9851302, "punctuated_word": "wants", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 501.615, "end": 501.775, "confidence": 0.9991272, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "collect", "start": 501.775, "end": 502.095, "confidence": 0.9991642, "punctuated_word": "collect", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "your", "start": 502.095, "end": 502.415, "confidence": 0.99540883, "punctuated_word": "your", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "information", "start": 502.415, "end": 502.89502, "confidence": 0.9995716, "punctuated_word": "information", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "and", "start": 502.89502, "end": 503.055, "confidence": 0.90552425, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "use", "start": 503.055, "end": 503.375, "confidence": 0.9975286, "punctuated_word": "use", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "it", "start": 503.375, "end": 503.45502, "confidence": 0.9948837, "punctuated_word": "it", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "for", "start": 503.45502, "end": 503.615, "confidence": 0.9989054, "punctuated_word": "for", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "something", "start": 503.615, "end": 503.935, "confidence": 0.9993537, "punctuated_word": "something", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "that", "start": 503.935, "end": 504.17502, "confidence": 0.9993856, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "isn't", "start": 504.17502, "end": 504.67502, "confidence": 0.9986971, "punctuated_word": "isn't", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 504.815, "end": 505.055, "confidence": 0.992997, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "mapping", "start": 505.055, "end": 505.45502, "confidence": 0.99955493, "punctuated_word": "mapping", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "purpose", "start": 505.45502, "end": 505.855, "confidence": 0.98890346, "punctuated_word": "purpose", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "essentially", "start": 505.855, "end": 506.255, "confidence": 0.7265759, "punctuated_word": "essentially.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "so", "start": 506.255, "end": 506.415, "confidence": 0.99477935, "punctuated_word": "So", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "if", "start": 506.415, "end": 506.575, "confidence": 0.97104263, "punctuated_word": "if", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "they", "start": 506.575, "end": 506.655, "confidence": 0.9981675, "punctuated_word": "they", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "wanted", "start": 506.655, "end": 507.155, "confidence": 0.99631387, "punctuated_word": "wanted", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 507.45502, "end": 507.695, "confidence": 0.9976299, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "sell", "start": 507.695, "end": 507.935, "confidence": 0.9991615, "punctuated_word": "sell", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "it", "start": 507.935, "end": 508.255, "confidence": 0.99661225, "punctuated_word": "it", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "or", "start": 508.255, "end": 508.495, "confidence": 0.948125, "punctuated_word": "or", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 508.495, "end": 508.89502, "confidence": 0.95200336, "punctuated_word": "to,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "you", "start": 509.135, "end": 509.295, "confidence": 0.9271202, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "know", "start": 509.295, "end": 509.535, "confidence": 0.9687451, "punctuated_word": "know,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "show", "start": 509.535, "end": 509.695, "confidence": 0.9954218, "punctuated_word": "show", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "you", "start": 509.695, "end": 509.935, "confidence": 0.99642247, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "ads", "start": 509.935, "end": 510.255, "confidence": 0.99644476, "punctuated_word": "ads", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "based", "start": 510.255, "end": 510.495, "confidence": 0.99869555, "punctuated_word": "based", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "on", "start": 510.495, "end": 510.655, "confidence": 0.9981072, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "your", "start": 510.655, "end": 510.815, "confidence": 0.99817526, "punctuated_word": "your", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "current", "start": 510.815, "end": 511.055, "confidence": 0.990785, "punctuated_word": "current", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "location", "start": 511.055, "end": 511.535, "confidence": 0.90957326, "punctuated_word": "location,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "then", "start": 511.535, "end": 511.695, "confidence": 0.99181986, "punctuated_word": "then", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "they", "start": 511.695, "end": 511.855, "confidence": 0.99755436, "punctuated_word": "they", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "would", "start": 511.855, "end": 512.015, "confidence": 0.99168265, "punctuated_word": "would", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "have", "start": 512.015, "end": 512.175, "confidence": 0.9331652, "punctuated_word": "have", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 512.175, "end": 512.335, "confidence": 0.9980585, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "actually", "start": 512.335, "end": 512.655, "confidence": 0.9848719, "punctuated_word": "actually", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "get", "start": 512.655, "end": 512.815, "confidence": 0.99600095, "punctuated_word": "get", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "your", "start": 512.815, "end": 513.055, "confidence": 0.99744356, "punctuated_word": "your", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "consent", "start": 513.055, "end": 513.375, "confidence": 0.99934036, "punctuated_word": "consent", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 513.375, "end": 513.53503, "confidence": 0.9987908, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "do", "start": 513.53503, "end": 513.615, "confidence": 0.9991266, "punctuated_word": "do", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "that", "start": 513.615, "end": 514.11, "confidence": 0.9835149, "punctuated_word": "that.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "and", "start": 514.26996, "end": 514.35, "confidence": 0.4119019, "punctuated_word": "And", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "we", "start": 514.35, "end": 514.43, "confidence": 0.98527944, "punctuated_word": "we", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "think", "start": 514.43, "end": 514.58997, "confidence": 0.99900526, "punctuated_word": "think", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "this", "start": 514.58997, "end": 514.67, "confidence": 0.9882095, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "is", "start": 514.67, "end": 514.75, "confidence": 0.9965809, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "a", "start": 514.75, "end": 514.99, "confidence": 0.99820817, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "good", "start": 514.99, "end": 515.31, "confidence": 0.9992213, "punctuated_word": "good", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "consumer", "start": 515.31, "end": 515.63, "confidence": 0.9889309, "punctuated_word": "consumer", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "protection", "start": 515.63, "end": 515.95, "confidence": 0.9990491, "punctuated_word": "protection", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "bill", "start": 515.95, "end": 516.26996, "confidence": 0.9986999, "punctuated_word": "bill", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "so", "start": 516.26996, "end": 516.43, "confidence": 0.6444359, "punctuated_word": "so", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "you", "start": 516.43, "end": 516.58997, "confidence": 0.996467, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "can", "start": 516.58997, "end": 516.75, "confidence": 0.9970048, "punctuated_word": "can", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "actually", "start": 516.75, "end": 517.23, "confidence": 0.99832684, "punctuated_word": "actually", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "know", "start": 517.23, "end": 517.70996, "confidence": 0.99881256, "punctuated_word": "know", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "what", "start": 517.70996, "end": 517.95, "confidence": 0.99974066, "punctuated_word": "what", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "is", "start": 517.95, "end": 518.11, "confidence": 0.99689496, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "being", "start": 518.11, "end": 518.26996, "confidence": 0.99967897, "punctuated_word": "being", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "done", "start": 518.26996, "end": 518.43, "confidence": 0.999884, "punctuated_word": "done", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "with", "start": 518.43, "end": 518.58997, "confidence": 0.9997422, "punctuated_word": "with", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "your", "start": 518.58997, "end": 518.75, "confidence": 0.99872273, "punctuated_word": "your", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "data", "start": 518.75, "end": 519.14996, "confidence": 0.99628794, "punctuated_word": "data.", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "cool", "start": 519.14996, "end": 519.64996, "confidence": 0.7587372, "punctuated_word": "Cool.", "speaker": 2, "speaker_confidence": 0.042210817 }, { "word": "and", "start": 520.02997, "end": 520.19, "confidence": 0.9706631, "punctuated_word": "And", "speaker": 0, "speaker_confidence": 0.48769736 }, { "word": "so", "start": 520.19, "end": 520.43, "confidence": 0.99304974, "punctuated_word": "so", "speaker": 0, "speaker_confidence": 0.48769736 }, { "word": "we", "start": 520.43, "end": 520.58997, "confidence": 0.96958935, "punctuated_word": "we", "speaker": 0, "speaker_confidence": 0.48769736 }, { "word": "went", "start": 520.58997, "end": 520.82996, "confidence": 0.9950789, "punctuated_word": "went", "speaker": 0, "speaker_confidence": 0.48769736 }, { "word": "and", "start": 520.82996, "end": 520.91, "confidence": 0.95765996, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 0.48769736 }, { "word": "testified", "start": 520.91, "end": 521.31, "confidence": 0.979529, "punctuated_word": "testified", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "on", "start": 521.31, "end": 521.47, "confidence": 0.99886996, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "that", "start": 521.47, "end": 521.87, "confidence": 0.9619466, "punctuated_word": "that.", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "other", "start": 521.87, "end": 522.11, "confidence": 0.67124015, "punctuated_word": "Other", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "states", "start": 522.11, "end": 522.35, "confidence": 0.9922914, "punctuated_word": "states", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "are", "start": 522.35, "end": 522.51, "confidence": 0.9982285, "punctuated_word": "are", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "also", "start": 522.51, "end": 522.67, "confidence": 0.9956939, "punctuated_word": "also", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "doing", "start": 522.67, "end": 522.82996, "confidence": 0.9997775, "punctuated_word": "doing", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "this", "start": 522.82996, "end": 522.99, "confidence": 0.998432, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "as", "start": 522.99, "end": 523.14996, "confidence": 0.9839536, "punctuated_word": "as", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "well", "start": 523.14996, "end": 523.31, "confidence": 0.8169538, "punctuated_word": "well,", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "not", "start": 523.31, "end": 523.47, "confidence": 0.9985267, "punctuated_word": "not", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "only", "start": 523.47, "end": 523.70996, "confidence": 0.999062, "punctuated_word": "only", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "illinois", "start": 523.70996, "end": 524.11, "confidence": 0.9215162, "punctuated_word": "Illinois.", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "this", "start": 524.11, "end": 524.26996, "confidence": 0.9976794, "punctuated_word": "This", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "one", "start": 524.26996, "end": 524.43, "confidence": 0.99611354, "punctuated_word": "one", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "is", "start": 524.43, "end": 524.58997, "confidence": 0.9983479, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "pretty", "start": 524.58997, "end": 524.75, "confidence": 0.9981352, "punctuated_word": "pretty", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "popular", "start": 524.75, "end": 524.99, "confidence": 0.9729506, "punctuated_word": "popular.", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "we've", "start": 524.99, "end": 525.23, "confidence": 0.99404585, "punctuated_word": "We've", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "seen", "start": 525.23, "end": 525.39, "confidence": 0.9988154, "punctuated_word": "seen", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "attempts", "start": 525.39, "end": 525.70996, "confidence": 0.98662823, "punctuated_word": "attempts", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "in", "start": 525.70996, "end": 525.95, "confidence": 0.99834883, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "hawaii", "start": 525.95, "end": 526.45, "confidence": 0.9949248, "punctuated_word": "Hawaii,", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "nevada", "start": 527.14996, "end": 527.64996, "confidence": 0.92369485, "punctuated_word": "Nevada,", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "and", "start": 528.52496, "end": 528.76495, "confidence": 0.7763016, "punctuated_word": "and,", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "i", "start": 528.925, "end": 529.245, "confidence": 0.99947685, "punctuated_word": "I", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "think", "start": 529.245, "end": 529.40497, "confidence": 0.9997304, "punctuated_word": "think", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "there's", "start": 529.40497, "end": 529.725, "confidence": 0.99571955, "punctuated_word": "there's", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "maybe", "start": 529.725, "end": 530.045, "confidence": 0.9955492, "punctuated_word": "maybe", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "one", "start": 530.045, "end": 530.20496, "confidence": 0.99989295, "punctuated_word": "one", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "more", "start": 530.20496, "end": 530.365, "confidence": 0.9997571, "punctuated_word": "more", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "that", "start": 530.365, "end": 530.605, "confidence": 0.99384576, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "i'm", "start": 530.605, "end": 531.00494, "confidence": 0.99961334, "punctuated_word": "I'm", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "blanking", "start": 531.00494, "end": 531.40497, "confidence": 0.9994198, "punctuated_word": "blanking", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "on", "start": 531.40497, "end": 531.565, "confidence": 0.99982953, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "right", "start": 531.565, "end": 531.725, "confidence": 0.99993443, "punctuated_word": "right", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "now", "start": 531.725, "end": 531.88495, "confidence": 0.78429425, "punctuated_word": "now.", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "but", "start": 531.88495, "end": 532.125, "confidence": 0.99876046, "punctuated_word": "But", "speaker": 0, "speaker_confidence": 0.63350266 }, { "word": "this", "start": 532.125, "end": 532.285, "confidence": 0.99982905, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 0.63350266 }, { "word": "is", "start": 532.285, "end": 532.52496, "confidence": 0.999401, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.63350266 }, { "word": "starting", "start": 532.52496, "end": 532.925, "confidence": 0.9998733, "punctuated_word": "starting", "speaker": 0, "speaker_confidence": 0.63350266 }, { "word": "to", "start": 532.925, "end": 533.00494, "confidence": 0.99956065, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.63350266 }, { "word": "pop", "start": 533.00494, "end": 533.245, "confidence": 0.9999522, "punctuated_word": "pop", "speaker": 0, "speaker_confidence": 0.63350266 }, { "word": "up", "start": 533.245, "end": 533.40497, "confidence": 0.99942917, "punctuated_word": "up", "speaker": 0, "speaker_confidence": 0.63350266 }, { "word": "more", "start": 533.40497, "end": 533.565, "confidence": 0.9997348, "punctuated_word": "more", "speaker": 0, "speaker_confidence": 0.63350266 }, { "word": "and", "start": 533.565, "end": 533.725, "confidence": 0.99975103, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "more", "start": 533.725, "end": 533.88495, "confidence": 0.99993277, "punctuated_word": "more", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "frequently", "start": 533.88495, "end": 534.365, "confidence": 0.9998417, "punctuated_word": "frequently", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "as", "start": 534.365, "end": 534.845, "confidence": 0.9852622, "punctuated_word": "as,", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "you", "start": 534.845, "end": 535.08496, "confidence": 0.99904984, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "know", "start": 535.08496, "end": 535.565, "confidence": 0.9998299, "punctuated_word": "know,", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "devices", "start": 535.565, "end": 535.96497, "confidence": 0.99698144, "punctuated_word": "devices", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "become", "start": 535.96497, "end": 536.285, "confidence": 0.99936527, "punctuated_word": "become", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "more", "start": 536.285, "end": 536.605, "confidence": 0.9992781, "punctuated_word": "more", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "ubiquitous", "start": 536.605, "end": 537.105, "confidence": 0.995682, "punctuated_word": "ubiquitous,", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "i", "start": 537.165, "end": 537.245, "confidence": 0.9997968, "punctuated_word": "I", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "guess", "start": 537.245, "end": 537.745, "confidence": 0.99977946, "punctuated_word": "guess.", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "okay", "start": 538.125, "end": 538.52496, "confidence": 0.99913037, "punctuated_word": "Okay.", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "now", "start": 539.245, "end": 539.485, "confidence": 0.9858074, "punctuated_word": "Now", "speaker": 2, "speaker_confidence": 0.42200708 }, { "word": "if", "start": 539.485, "end": 539.725, "confidence": 0.96699977, "punctuated_word": "if", "speaker": 2, "speaker_confidence": 0.42200708 }, { "word": "you", "start": 539.725, "end": 539.805, "confidence": 0.989373, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.42200708 }, { "word": "were", "start": 539.805, "end": 540.045, "confidence": 0.9994492, "punctuated_word": "were", "speaker": 2, "speaker_confidence": 0.42200708 }, { "word": "to", "start": 540.045, "end": 540.125, "confidence": 0.9994848, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.42200708 }, { "word": "look", "start": 540.125, "end": 540.285, "confidence": 0.9999442, "punctuated_word": "look", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "into", "start": 540.285, "end": 540.52496, "confidence": 0.9996131, "punctuated_word": "into", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "the", "start": 540.52496, "end": 540.685, "confidence": 0.99942744, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "future", "start": 540.685, "end": 541.00494, "confidence": 0.9999125, "punctuated_word": "future", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "and", "start": 541.00494, "end": 541.165, "confidence": 0.758683, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "we", "start": 541.165, "end": 541.485, "confidence": 0.9994204, "punctuated_word": "we", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "assume", "start": 541.485, "end": 541.805, "confidence": 0.8831151, "punctuated_word": "assume", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "that", "start": 541.805, "end": 542.1, "confidence": 0.999363, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "states", "start": 542.1, "end": 542.33997, "confidence": 0.86980426, "punctuated_word": "states", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "will", "start": 542.33997, "end": 542.57996, "confidence": 0.9991301, "punctuated_word": "will", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "continue", "start": 542.57996, "end": 543.07996, "confidence": 0.99970895, "punctuated_word": "continue", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "to", "start": 543.13995, "end": 543.63995, "confidence": 0.99953496, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "act", "start": 543.69995, "end": 543.94, "confidence": 0.9997036, "punctuated_word": "act", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "more", "start": 543.94, "end": 544.18, "confidence": 0.9997744, "punctuated_word": "more", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "on", "start": 544.18, "end": 544.33997, "confidence": 0.99667394, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "privacy", "start": 544.33997, "end": 544.81995, "confidence": 0.92777646, "punctuated_word": "privacy,", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "any", "start": 544.81995, "end": 545.06, "confidence": 0.9993801, "punctuated_word": "any", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "other", "start": 545.06, "end": 545.3, "confidence": 0.99987054, "punctuated_word": "other", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "issues", "start": 545.3, "end": 545.62, "confidence": 0.99946827, "punctuated_word": "issues", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "that", "start": 545.62, "end": 545.77997, "confidence": 0.9997008, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "you", "start": 545.77997, "end": 546.01996, "confidence": 0.9997738, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "anticipate", "start": 546.01996, "end": 546.51996, "confidence": 0.9838518, "punctuated_word": "anticipate,", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "you", "start": 546.66, "end": 546.89996, "confidence": 0.99951875, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "know", "start": 546.89996, "end": 547.13995, "confidence": 0.9977567, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "states", "start": 547.13995, "end": 547.54, "confidence": 0.7588995, "punctuated_word": "states", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "stepping", "start": 547.54, "end": 547.86, "confidence": 0.99568224, "punctuated_word": "stepping", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "up", "start": 547.86, "end": 548.1, "confidence": 0.99872154, "punctuated_word": "up", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "on", "start": 548.1, "end": 548.6, "confidence": 0.9861781, "punctuated_word": "on?", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "so", "start": 550.98, "end": 551.48, "confidence": 0.98036677, "punctuated_word": "So", "speaker": 3, "speaker_confidence": 0.71019626 }, { "word": "so", "start": 551.94, "end": 552.25995, "confidence": 0.98145443, "punctuated_word": "so", "speaker": 3, "speaker_confidence": 0.71019626 }, { "word": "one", "start": 552.25995, "end": 552.57996, "confidence": 0.9980878, "punctuated_word": "one", "speaker": 3, "speaker_confidence": 0.71019626 }, { "word": "area", "start": 552.57996, "end": 553.07996, "confidence": 0.9646788, "punctuated_word": "area,", "speaker": 3, "speaker_confidence": 0.71019626 }, { "word": "that's", "start": 553.62, "end": 554.12, "confidence": 0.9992099, "punctuated_word": "that's", "speaker": 3, "speaker_confidence": 0.71019626 }, { "word": "sort", "start": 554.18, "end": 554.42, "confidence": 0.98696125, "punctuated_word": "sort", "speaker": 3, "speaker_confidence": 0.71019626 }, { "word": "of", "start": 554.42, "end": 554.92, "confidence": 0.8623915, "punctuated_word": "of,", "speaker": 3, "speaker_confidence": 0.71019626 }, { "word": "controversial", "start": 556.01996, "end": 556.51996, "confidence": 0.99977535, "punctuated_word": "controversial", "speaker": 3, "speaker_confidence": 0.71019626 }, { "word": "right", "start": 556.66, "end": 556.81995, "confidence": 0.9990785, "punctuated_word": "right", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "now", "start": 556.81995, "end": 557.06, "confidence": 0.99983954, "punctuated_word": "now", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "is", "start": 557.06, "end": 557.535, "confidence": 0.8336246, "punctuated_word": "is,", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "expanding", "start": 558.095, "end": 558.595, "confidence": 0.9994462, "punctuated_word": "expanding", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "the", "start": 559.21497, "end": 559.535, "confidence": 0.9969438, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "protections", "start": 559.535, "end": 560.035, "confidence": 0.99492246, "punctuated_word": "protections", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "we're", "start": 560.095, "end": 560.25494, "confidence": 0.983405, "punctuated_word": "we're", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "seeing", "start": 560.25494, "end": 560.735, "confidence": 0.81271076, "punctuated_word": "seeing,", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "states", "start": 562.095, "end": 562.33496, "confidence": 0.9205461, "punctuated_word": "states", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "trying", "start": 562.33496, "end": 562.65497, "confidence": 0.987288, "punctuated_word": "trying", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "to", "start": 562.65497, "end": 563.15497, "confidence": 0.9972326, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "to", "start": 563.535, "end": 563.69495, "confidence": 0.9486269, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "push", "start": 563.69495, "end": 563.935, "confidence": 0.9984668, "punctuated_word": "push", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "through", "start": 563.935, "end": 564.33496, "confidence": 0.99678963, "punctuated_word": "through", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "for", "start": 564.33496, "end": 564.815, "confidence": 0.9791949, "punctuated_word": "for", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "broadband", "start": 564.815, "end": 565.21497, "confidence": 0.94033027, "punctuated_word": "broadband", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "providers", "start": 565.21497, "end": 565.71497, "confidence": 0.99714005, "punctuated_word": "providers", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "extended", "start": 566.01495, "end": 566.495, "confidence": 0.89192146, "punctuated_word": "extended", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "to", "start": 566.495, "end": 566.735, "confidence": 0.98779386, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "what", "start": 566.735, "end": 566.89496, "confidence": 0.9422632, "punctuated_word": "what", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "we", "start": 566.89496, "end": 566.975, "confidence": 0.98131174, "punctuated_word": "we", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "call", "start": 566.975, "end": 567.295, "confidence": 0.9427643, "punctuated_word": "call", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "edge", "start": 567.295, "end": 567.45496, "confidence": 0.849718, "punctuated_word": "edge", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "providers", "start": 567.45496, "end": 567.855, "confidence": 0.8072959, "punctuated_word": "providers.", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "so", "start": 567.855, "end": 568.095, "confidence": 0.98951083, "punctuated_word": "So", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "like", "start": 568.095, "end": 568.595, "confidence": 0.55710393, "punctuated_word": "like", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "the", "start": 569.055, "end": 569.375, "confidence": 0.67740065, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "the", "start": 569.375, "end": 569.76, "confidence": 0.8069028, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "google's", "start": 569.84, "end": 570.34, "confidence": 0.7768188, "punctuated_word": "Google's", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "and", "start": 570.8, "end": 571.04004, "confidence": 0.55027956, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "other", "start": 571.04004, "end": 571.36, "confidence": 0.99867934, "punctuated_word": "other", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "internet", "start": 571.36, "end": 571.76, "confidence": 0.6192583, "punctuated_word": "Internet", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "services", "start": 571.76, "end": 572.26, "confidence": 0.99785715, "punctuated_word": "services", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "of", "start": 572.4, "end": 572.56, "confidence": 0.9997063, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "the", "start": 572.56, "end": 572.64, "confidence": 0.9998424, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "world", "start": 572.64, "end": 573.14, "confidence": 0.77157485, "punctuated_word": "world,", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "and", "start": 574.4, "end": 574.72003, "confidence": 0.9971283, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "that", "start": 574.72003, "end": 575.22003, "confidence": 0.9991179, "punctuated_word": "that", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "gets", "start": 575.52, "end": 575.84, "confidence": 0.99755764, "punctuated_word": "gets", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "into", "start": 575.84, "end": 576.24, "confidence": 0.99351454, "punctuated_word": "into", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "more", "start": 576.24, "end": 576.56, "confidence": 0.9854037, "punctuated_word": "more", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "complicated", "start": 576.56, "end": 577.04004, "confidence": 0.9997844, "punctuated_word": "complicated", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "territory", "start": 577.04004, "end": 577.54004, "confidence": 0.98729956, "punctuated_word": "territory.", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "we", "start": 577.92, "end": 578.16003, "confidence": 0.9949254, "punctuated_word": "We", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "definitely", "start": 578.16003, "end": 578.56, "confidence": 0.9991702, "punctuated_word": "definitely", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "think", "start": 578.56, "end": 578.72003, "confidence": 0.99797744, "punctuated_word": "think", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "that", "start": 578.72003, "end": 578.96, "confidence": 0.99833614, "punctuated_word": "that", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "there", "start": 578.96, "end": 579.12, "confidence": 0.9990545, "punctuated_word": "there", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "should", "start": 579.12, "end": 579.28, "confidence": 0.9994085, "punctuated_word": "should", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "be", "start": 579.28, "end": 579.78, "confidence": 0.8837934, "punctuated_word": "be,", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "strong", "start": 580.56, "end": 581.06, "confidence": 0.99938333, "punctuated_word": "strong", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "privacy", "start": 581.36, "end": 581.76, "confidence": 0.9990941, "punctuated_word": "privacy", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "legislation", "start": 581.76, "end": 582.26, "confidence": 0.9995664, "punctuated_word": "legislation", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "that", "start": 582.32, "end": 582.48, "confidence": 0.99948007, "punctuated_word": "that", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "applies", "start": 582.48, "end": 582.88, "confidence": 0.9996723, "punctuated_word": "applies", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "to", "start": 582.88, "end": 582.96, "confidence": 0.99818856, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.6899017 }, { "word": "everyone", "start": 582.96, "end": 583.36, "confidence": 0.99953556, "punctuated_word": "everyone", "speaker": 3, "speaker_confidence": 0.6899017 }, { "word": "on", "start": 583.36, "end": 583.52, "confidence": 0.99948174, "punctuated_word": "on", "speaker": 3, "speaker_confidence": 0.6899017 }, { "word": "the", "start": 583.52, "end": 583.68, "confidence": 0.91269004, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.6899017 }, { "word": "federal", "start": 583.68, "end": 584.08, "confidence": 0.86956936, "punctuated_word": "federal", "speaker": 3, "speaker_confidence": 0.6899017 }, { "word": "level", "start": 584.08, "end": 584.58, "confidence": 0.81633973, "punctuated_word": "level.", "speaker": 3, "speaker_confidence": 0.6899017 }, { "word": "but", "start": 585.40497, "end": 585.90497, "confidence": 0.5016487, "punctuated_word": "But", "speaker": 3, "speaker_confidence": 0.6899017 }, { "word": "in", "start": 586.605, "end": 586.765, "confidence": 0.93583816, "punctuated_word": "in", "speaker": 3, "speaker_confidence": 0.6899017 }, { "word": "the", "start": 586.765, "end": 586.845, "confidence": 0.98432285, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.6899017 }, { "word": "absence", "start": 586.845, "end": 587.165, "confidence": 0.99885726, "punctuated_word": "absence", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "of", "start": 587.165, "end": 587.245, "confidence": 0.9996792, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "that", "start": 587.245, "end": 587.485, "confidence": 0.9571837, "punctuated_word": "that,", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "i", "start": 587.485, "end": 587.64496, "confidence": 0.99931693, "punctuated_word": "I", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "do", "start": 587.64496, "end": 587.725, "confidence": 0.9997451, "punctuated_word": "do", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "think", "start": 587.725, "end": 588.045, "confidence": 0.9985474, "punctuated_word": "think", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "states", "start": 588.045, "end": 588.365, "confidence": 0.9694177, "punctuated_word": "states", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "are", "start": 588.365, "end": 588.52496, "confidence": 0.9996284, "punctuated_word": "are", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "going", "start": 588.52496, "end": 588.765, "confidence": 0.999556, "punctuated_word": "going", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "to", "start": 588.765, "end": 589.005, "confidence": 0.8879694, "punctuated_word": "to,", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "come", "start": 590.445, "end": 590.605, "confidence": 0.99541384, "punctuated_word": "come", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "into", "start": 590.605, "end": 590.925, "confidence": 0.9926474, "punctuated_word": "into", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "this", "start": 590.925, "end": 591.165, "confidence": 0.9775508, "punctuated_word": "this", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "space", "start": 591.165, "end": 591.565, "confidence": 0.9173193, "punctuated_word": "space.", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "and", "start": 591.565, "end": 591.805, "confidence": 0.99388725, "punctuated_word": "And", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "i", "start": 591.805, "end": 592.125, "confidence": 0.9562736, "punctuated_word": "I", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "i", "start": 592.125, "end": 592.205, "confidence": 0.9467208, "punctuated_word": "I", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "guess", "start": 592.205, "end": 592.445, "confidence": 0.999033, "punctuated_word": "guess", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "another", "start": 592.445, "end": 592.925, "confidence": 0.8560282, "punctuated_word": "another", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "area", "start": 592.925, "end": 593.40497, "confidence": 0.9994019, "punctuated_word": "area", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "would", "start": 593.40497, "end": 593.64496, "confidence": 0.9971193, "punctuated_word": "would", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "be", "start": 593.64496, "end": 594.14496, "confidence": 0.91634613, "punctuated_word": "be,", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "data", "start": 594.925, "end": 595.165, "confidence": 0.99773896, "punctuated_word": "data", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "security", "start": 595.165, "end": 595.665, "confidence": 0.7859312, "punctuated_word": "security.", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "and", "start": 596.365, "end": 596.605, "confidence": 0.9937656, "punctuated_word": "And", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "we're", "start": 596.605, "end": 596.845, "confidence": 0.99287844, "punctuated_word": "we're", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "also", "start": 596.845, "end": 597.08496, "confidence": 0.99695146, "punctuated_word": "also", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "seeing", "start": 597.08496, "end": 597.325, "confidence": 0.98941433, "punctuated_word": "seeing", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "that", "start": 597.325, "end": 597.485, "confidence": 0.9912845, "punctuated_word": "that", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "come", "start": 597.485, "end": 597.57, "confidence": 0.9302678, "punctuated_word": "come", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "up", "start": 597.57, "end": 597.73, "confidence": 0.99278426, "punctuated_word": "up", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "in", "start": 597.73, "end": 597.89, "confidence": 0.9983425, "punctuated_word": "in", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "the", "start": 597.89, "end": 597.97003, "confidence": 0.98417157, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "in", "start": 597.97003, "end": 598.01, "confidence": 0.9588905, "punctuated_word": "in", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "the", "start": 598.01, "end": 598.05, "confidence": 0.9969066, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.66365266 }, { "word": "broadband", "start": 598.05, "end": 598.55, "confidence": 0.5995324, "punctuated_word": "broadband", "speaker": 3, "speaker_confidence": 0.66365266 }, { "word": "context", "start": 598.69, "end": 599.19, "confidence": 0.87225944, "punctuated_word": "context.", "speaker": 3, "speaker_confidence": 0.66365266 }, { "word": "the", "start": 599.25, "end": 599.49, "confidence": 0.9995235, "punctuated_word": "The", "speaker": 3, "speaker_confidence": 0.66365266 }, { "word": "fcc", "start": 599.49, "end": 599.89, "confidence": 0.9909452, "punctuated_word": "FCC", "speaker": 3, "speaker_confidence": 0.66365266 }, { "word": "rules", "start": 599.89, "end": 600.13, "confidence": 0.99282163, "punctuated_word": "rules", "speaker": 3, "speaker_confidence": 0.66365266 }, { "word": "had", "start": 600.13, "end": 600.29, "confidence": 0.9667185, "punctuated_word": "had", "speaker": 3, "speaker_confidence": 0.66365266 }, { "word": "a", "start": 600.29, "end": 600.37, "confidence": 0.98619276, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.45645916 }, { "word": "data", "start": 600.37, "end": 600.69, "confidence": 0.978585, "punctuated_word": "data", "speaker": 3, "speaker_confidence": 0.45645916 }, { "word": "security", "start": 600.69, "end": 601.01, "confidence": 0.98710144, "punctuated_word": "security", "speaker": 3, "speaker_confidence": 0.45645916 }, { "word": "component", "start": 601.01, "end": 601.41003, "confidence": 0.9990195, "punctuated_word": "component", "speaker": 3, "speaker_confidence": 0.45645916 }, { "word": "that", "start": 601.41003, "end": 601.57, "confidence": 0.9986903, "punctuated_word": "that", "speaker": 3, "speaker_confidence": 0.45645916 }, { "word": "a", "start": 601.57, "end": 601.65, "confidence": 0.998755, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.45645916 }, { "word": "lot", "start": 601.65, "end": 601.81, "confidence": 0.99981827, "punctuated_word": "lot", "speaker": 3, "speaker_confidence": 0.5592164 }, { "word": "of", "start": 601.81, "end": 601.97003, "confidence": 0.997934, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.5592164 }, { "word": "states", "start": 601.97003, "end": 602.21, "confidence": 0.963753, "punctuated_word": "states", "speaker": 3, "speaker_confidence": 0.5592164 }, { "word": "are", "start": 602.21, "end": 602.45, "confidence": 0.99935716, "punctuated_word": "are", "speaker": 3, "speaker_confidence": 0.5592164 }, { "word": "adopting", "start": 602.45, "end": 602.95, "confidence": 0.93832743, "punctuated_word": "adopting.", "speaker": 3, "speaker_confidence": 0.5592164 }, { "word": "and", "start": 603.89, "end": 604.05, "confidence": 0.9892859, "punctuated_word": "And", "speaker": 3, "speaker_confidence": 0.67933017 }, { "word": "that's", "start": 604.05, "end": 604.29, "confidence": 0.99919283, "punctuated_word": "that's", "speaker": 3, "speaker_confidence": 0.67933017 }, { "word": "also", "start": 604.29, "end": 604.61, "confidence": 0.99974114, "punctuated_word": "also", "speaker": 3, "speaker_confidence": 0.67933017 }, { "word": "a", "start": 604.61, "end": 604.69, "confidence": 0.9977436, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.67933017 }, { "word": "place", "start": 604.69, "end": 605.01, "confidence": 0.9998493, "punctuated_word": "place", "speaker": 3, "speaker_confidence": 0.67933017 }, { "word": "where", "start": 605.01, "end": 605.41003, "confidence": 0.888494, "punctuated_word": "where,", "speaker": 3, "speaker_confidence": 0.67933017 }, { "word": "standards", "start": 605.73, "end": 606.13, "confidence": 0.99807477, "punctuated_word": "standards", "speaker": 3, "speaker_confidence": 0.67933017 }, { "word": "on", "start": 606.13, "end": 606.29, "confidence": 0.9992893, "punctuated_word": "on", "speaker": 3, "speaker_confidence": 0.67933017 }, { "word": "the", "start": 606.29, "end": 606.37, "confidence": 0.9573297, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.67933017 }, { "word": "federal", "start": 606.37, "end": 606.77, "confidence": 0.90368795, "punctuated_word": "federal", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "level", "start": 606.77, "end": 607.27, "confidence": 0.92817247, "punctuated_word": "level,", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "have", "start": 608.29, "end": 608.53, "confidence": 0.99776626, "punctuated_word": "have", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "been", "start": 608.53, "end": 609.03, "confidence": 0.99854773, "punctuated_word": "been", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "fairly", "start": 609.49, "end": 609.89, "confidence": 0.9987255, "punctuated_word": "fairly", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "flexible", "start": 609.89, "end": 610.39, "confidence": 0.8166918, "punctuated_word": "flexible,", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "which", "start": 610.45, "end": 610.69, "confidence": 0.998381, "punctuated_word": "which", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "is", "start": 610.69, "end": 610.85004, "confidence": 0.9979533, "punctuated_word": "is", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "not", "start": 610.85004, "end": 611.09, "confidence": 0.9974201, "punctuated_word": "not", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "necessarily", "start": 611.09, "end": 611.59, "confidence": 0.9972499, "punctuated_word": "necessarily", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "a", "start": 611.655, "end": 611.934, "confidence": 0.9944617, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "bad", "start": 611.934, "end": 612.213, "confidence": 0.99997723, "punctuated_word": "bad", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "thing", "start": 612.213, "end": 612.492, "confidence": 0.8794857, "punctuated_word": "thing,", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "but", "start": 612.492, "end": 612.77106, "confidence": 0.9995571, "punctuated_word": "but", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "it", "start": 612.77106, "end": 613.05005, "confidence": 0.99883646, "punctuated_word": "it", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "is", "start": 613.05005, "end": 613.32904, "confidence": 0.9981134, "punctuated_word": "is", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "an", "start": 613.32904, "end": 613.60803, "confidence": 0.9981384, "punctuated_word": "an", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "area", "start": 613.60803, "end": 613.887, "confidence": 0.9993611, "punctuated_word": "area", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "where", "start": 613.887, "end": 614.166, "confidence": 0.9993261, "punctuated_word": "where", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "states", "start": 614.166, "end": 614.445, "confidence": 0.98919666, "punctuated_word": "states", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "can", "start": 614.445, "end": 614.724, "confidence": 0.9996107, "punctuated_word": "can", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "start", "start": 614.724, "end": 615.00305, "confidence": 0.99970704, "punctuated_word": "start", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "to", "start": 615.00305, "end": 615.28204, "confidence": 0.9368598, "punctuated_word": "to,", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "experiment", "start": 615.56104, "end": 615.84, "confidence": 0.9992398, "punctuated_word": "experiment", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "with", "start": 615.84, "end": 616.119, "confidence": 0.99988973, "punctuated_word": "with", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "with", "start": 616.119, "end": 616.398, "confidence": 0.9872478, "punctuated_word": "with", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "higher", "start": 616.398, "end": 616.677, "confidence": 0.9991881, "punctuated_word": "higher", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "standards", "start": 616.677, "end": 616.956, "confidence": 0.9992086, "punctuated_word": "standards", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "and", "start": 616.956, "end": 617.23505, "confidence": 0.99611676, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "more", "start": 617.23505, "end": 617.51404, "confidence": 0.99933004, "punctuated_word": "more", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "specific", "start": 617.51404, "end": 617.793, "confidence": 0.9991986, "punctuated_word": "specific", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "standards", "start": 617.793, "end": 618.072, "confidence": 0.9990972, "punctuated_word": "standards.", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "alright", "start": 618.072, "end": 618.351, "confidence": 0.98796093, "punctuated_word": "Alright.", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "well", "start": 618.351, "end": 618.63, "confidence": 0.78982365, "punctuated_word": "Well,", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "oh", "start": 618.63, "end": 618.909, "confidence": 0.60510266, "punctuated_word": "oh,", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "vijay", "start": 618.909, "end": 619.188, "confidence": 0.75836116, "punctuated_word": "Vijay,", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "you", "start": 619.188, "end": 619.46704, "confidence": 0.98119235, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.091977715 }, { "word": "have", "start": 619.46704, "end": 619.74603, "confidence": 0.9886368, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.091977715 }, { "word": "more", "start": 619.74603, "end": 620.025, "confidence": 0.99882525, "punctuated_word": "more", "speaker": 2, "speaker_confidence": 0.2579596 }, { "word": "to", "start": 620.025, "end": 620.304, "confidence": 0.9975407, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.2579596 }, { "word": "add", "start": 620.304, "end": 620.583, "confidence": 0.9818526, "punctuated_word": "add,", "speaker": 2, "speaker_confidence": 0.2579596 }, { "word": "please", "start": 620.583, "end": 620.862, "confidence": 0.9267384, "punctuated_word": "please.", "speaker": 2, "speaker_confidence": 0.2579596 }, { "word": "yeah", "start": 620.862, "end": 621.141, "confidence": 0.8659978, "punctuated_word": "Yeah.", "speaker": 2, "speaker_confidence": 0.39606434 }, { "word": "i", "start": 621.141, "end": 621.42, "confidence": 0.99373204, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.39606434 }, { "word": "i", "start": 621.42, "end": 621.69904, "confidence": 0.67938304, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.39606434 }, { "word": "think", "start": 621.69904, "end": 621.978, "confidence": 0.99814546, "punctuated_word": "think", "speaker": 2, "speaker_confidence": 0.39606434 }, { "word": "one", "start": 621.978, "end": 622.257, "confidence": 0.9957287, "punctuated_word": "one", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "other", "start": 622.257, "end": 622.536, "confidence": 0.9973315, "punctuated_word": "other", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "area", "start": 622.536, "end": 622.815, "confidence": 0.9986388, "punctuated_word": "area", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "that", "start": 622.815, "end": 623.094, "confidence": 0.9990096, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "we're", "start": 623.094, "end": 623.373, "confidence": 0.89690125, "punctuated_word": "we're", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "just", "start": 623.373, "end": 623.652, "confidence": 0.98550737, "punctuated_word": "just", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "seeing", "start": 623.652, "end": 623.931, "confidence": 0.9617819, "punctuated_word": "seeing", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "to", "start": 623.931, "end": 624.21, "confidence": 0.95554006, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "pop", "start": 624.21, "end": 624.489, "confidence": 0.99928564, "punctuated_word": "pop", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "up", "start": 624.489, "end": 624.768, "confidence": 0.9965873, "punctuated_word": "up", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "now", "start": 624.768, "end": 625.047, "confidence": 0.97260773, "punctuated_word": "now,", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "are", "start": 625.326, "end": 625.605, "confidence": 0.9982673, "punctuated_word": "are", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "these", "start": 625.605, "end": 625.88403, "confidence": 0.9974927, "punctuated_word": "these", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "right", "start": 625.88403, "end": 626.163, "confidence": 0.8287094, "punctuated_word": "right", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "to", "start": 626.163, "end": 626.442, "confidence": 0.99678624, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "know", "start": 626.442, "end": 626.721, "confidence": 0.989721, "punctuated_word": "know", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "bills", "start": 626.721, "end": 627.0, "confidence": 0.92678285, "punctuated_word": "bills.", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "right", "start": 627.16, "end": 627.4, "confidence": 0.7138588, "punctuated_word": "Right", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "to", "start": 627.4, "end": 627.48, "confidence": 0.99860185, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "know", "start": 627.48, "end": 627.96, "confidence": 0.9956312, "punctuated_word": "know", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "comes", "start": 627.96, "end": 628.2, "confidence": 0.99725336, "punctuated_word": "comes", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "from", "start": 628.2, "end": 628.7, "confidence": 0.99754924, "punctuated_word": "from", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "the", "start": 628.92, "end": 629.0, "confidence": 0.7623642, "punctuated_word": "the,", "speaker": 0, "speaker_confidence": 0.6866984 }, { "word": "actually", "start": 629.0, "end": 629.5, "confidence": 0.9464827, "punctuated_word": "actually,", "speaker": 0, "speaker_confidence": 0.6866984 }, { "word": "the", "start": 629.56, "end": 630.06, "confidence": 0.82164204, "punctuated_word": "the,", "speaker": 0, "speaker_confidence": 0.6866984 }, { "word": "environmental", "start": 630.6, "end": 631.1, "confidence": 0.99573886, "punctuated_word": "environmental", "speaker": 0, "speaker_confidence": 0.6866984 }, { "word": "context", "start": 631.24, "end": 631.64, "confidence": 0.99876297, "punctuated_word": "context", "speaker": 0, "speaker_confidence": 0.6866984 }, { "word": "where", "start": 631.64, "end": 632.12, "confidence": 0.5683716, "punctuated_word": "where", "speaker": 0, "speaker_confidence": 0.6866984 }, { "word": "you", "start": 632.12, "end": 632.44, "confidence": 0.99504364, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 0.6866984 }, { "word": "have", "start": 632.44, "end": 632.6, "confidence": 0.98790133, "punctuated_word": "have", "speaker": 0, "speaker_confidence": 0.6866984 }, { "word": "a", "start": 632.6, "end": 632.68, "confidence": 0.9881562, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.6866984 }, { "word": "right", "start": 632.68, "end": 632.84, "confidence": 0.9998276, "punctuated_word": "right", "speaker": 0, "speaker_confidence": 0.6866984 }, { "word": "to", "start": 632.84, "end": 632.92, "confidence": 0.9994905, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.5484027 }, { "word": "know", "start": 632.92, "end": 633.08, "confidence": 0.9996401, "punctuated_word": "know", "speaker": 0, "speaker_confidence": 0.5484027 }, { "word": "what", "start": 633.08, "end": 633.24, "confidence": 0.9979254, "punctuated_word": "what", "speaker": 0, "speaker_confidence": 0.5484027 }, { "word": "chemicals", "start": 633.24, "end": 633.64, "confidence": 0.9974832, "punctuated_word": "chemicals", "speaker": 0, "speaker_confidence": 0.5484027 }, { "word": "you're", "start": 633.64, "end": 633.8, "confidence": 0.9933069, "punctuated_word": "you're", "speaker": 0, "speaker_confidence": 0.5484027 }, { "word": "breathing", "start": 633.8, "end": 634.12, "confidence": 0.9994425, "punctuated_word": "breathing", "speaker": 0, "speaker_confidence": 0.5484027 }, { "word": "in", "start": 634.12, "end": 634.2, "confidence": 0.9994949, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 0.5484027 }, { "word": "the", "start": 634.2, "end": 634.28, "confidence": 0.99889284, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "air", "start": 634.28, "end": 634.44, "confidence": 0.8299271, "punctuated_word": "air,", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "if", "start": 634.44, "end": 634.52, "confidence": 0.99235725, "punctuated_word": "if", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "there's", "start": 634.52, "end": 634.84, "confidence": 0.99572235, "punctuated_word": "there's", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "a", "start": 634.84, "end": 635.16, "confidence": 0.89126164, "punctuated_word": "a,", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "you", "start": 635.16, "end": 635.32, "confidence": 0.9942561, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "know", "start": 635.32, "end": 635.48, "confidence": 0.99742234, "punctuated_word": "know,", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "major", "start": 635.48, "end": 635.98, "confidence": 0.8874642, "punctuated_word": "major", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "factory", "start": 636.12, "end": 636.52, "confidence": 0.9973367, "punctuated_word": "factory", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "or", "start": 636.52, "end": 636.68, "confidence": 0.9672819, "punctuated_word": "or", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "plant", "start": 636.68, "end": 636.92, "confidence": 0.99575645, "punctuated_word": "plant", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "or", "start": 636.92, "end": 637.0, "confidence": 0.9929721, "punctuated_word": "or", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "something", "start": 637.0, "end": 637.32, "confidence": 0.9998399, "punctuated_word": "something", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "near", "start": 637.32, "end": 637.48, "confidence": 0.9985257, "punctuated_word": "near", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "you", "start": 637.48, "end": 637.72, "confidence": 0.8640152, "punctuated_word": "you.", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "and", "start": 637.72, "end": 637.88, "confidence": 0.99078006, "punctuated_word": "And", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "this", "start": 637.88, "end": 638.12, "confidence": 0.9977063, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "is", "start": 638.12, "end": 638.2, "confidence": 0.9972933, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "extending", "start": 638.2, "end": 638.68, "confidence": 0.9989189, "punctuated_word": "extending", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "to", "start": 638.68, "end": 639.0, "confidence": 0.9905804, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "data", "start": 639.0, "end": 639.4, "confidence": 0.99550146, "punctuated_word": "data", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "now", "start": 639.4, "end": 639.72, "confidence": 0.9682065, "punctuated_word": "now.", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "we've", "start": 639.96, "end": 640.12, "confidence": 0.98655623, "punctuated_word": "We've", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "seen", "start": 640.12, "end": 640.44, "confidence": 0.9991229, "punctuated_word": "seen", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "illinois", "start": 640.44, "end": 640.94, "confidence": 0.9981804, "punctuated_word": "Illinois", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "say", "start": 641.48, "end": 641.72, "confidence": 0.99341923, "punctuated_word": "say", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "that", "start": 641.72, "end": 641.88, "confidence": 0.99359196, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "consumers", "start": 641.88, "end": 642.36, "confidence": 0.97698045, "punctuated_word": "consumers", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "should", "start": 642.36, "end": 642.44, "confidence": 0.97259074, "punctuated_word": "should", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "have", "start": 642.44, "end": 642.6, "confidence": 0.98066956, "punctuated_word": "have", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "a", "start": 642.6, "end": 642.68, "confidence": 0.9278444, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.44599712 }, { "word": "right", "start": 642.68, "end": 642.84, "confidence": 0.9792945, "punctuated_word": "right", "speaker": 0, "speaker_confidence": 0.44599712 }, { "word": "to", "start": 642.84, "end": 642.975, "confidence": 0.64068514, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.44599712 }, { "word": "know", "start": 642.975, "end": 643.21497, "confidence": 0.98475015, "punctuated_word": "know", "speaker": 0, "speaker_confidence": 0.44599712 }, { "word": "what", "start": 643.21497, "end": 643.375, "confidence": 0.9931062, "punctuated_word": "what", "speaker": 0, "speaker_confidence": 0.44599712 }, { "word": "third", "start": 643.375, "end": 643.45496, "confidence": 0.9993856, "punctuated_word": "third", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "parties", "start": 643.45496, "end": 643.935, "confidence": 0.9997011, "punctuated_word": "parties", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "are", "start": 643.935, "end": 644.01495, "confidence": 0.9994505, "punctuated_word": "are", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "being", "start": 644.01495, "end": 644.51495, "confidence": 0.9962451, "punctuated_word": "being", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "given", "start": 644.57495, "end": 644.89496, "confidence": 0.9613384, "punctuated_word": "given", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "your", "start": 644.89496, "end": 645.055, "confidence": 0.99725395, "punctuated_word": "your", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "data", "start": 645.055, "end": 645.375, "confidence": 0.9998012, "punctuated_word": "data", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "and", "start": 645.375, "end": 645.535, "confidence": 0.91733956, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "what's", "start": 645.535, "end": 645.77496, "confidence": 0.99970496, "punctuated_word": "what's", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "being", "start": 645.77496, "end": 646.01495, "confidence": 0.9983758, "punctuated_word": "being", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "done", "start": 646.01495, "end": 646.175, "confidence": 0.99992216, "punctuated_word": "done", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "with", "start": 646.175, "end": 646.33496, "confidence": 0.999848, "punctuated_word": "with", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "it", "start": 646.33496, "end": 646.57495, "confidence": 0.99509823, "punctuated_word": "it.", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "i", "start": 646.735, "end": 646.815, "confidence": 0.999481, "punctuated_word": "I", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "think", "start": 646.815, "end": 646.975, "confidence": 0.99978775, "punctuated_word": "think", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "this", "start": 646.975, "end": 647.13495, "confidence": 0.9983193, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "is", "start": 647.13495, "end": 647.21497, "confidence": 0.998195, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "gonna", "start": 647.21497, "end": 647.45496, "confidence": 0.8219973, "punctuated_word": "gonna", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "become", "start": 647.45496, "end": 647.69495, "confidence": 0.9867953, "punctuated_word": "become", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "more", "start": 647.69495, "end": 647.855, "confidence": 0.99931943, "punctuated_word": "more", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "popular", "start": 647.855, "end": 648.255, "confidence": 0.99994814, "punctuated_word": "popular", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "because", "start": 648.255, "end": 648.495, "confidence": 0.8980555, "punctuated_word": "because", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "it's", "start": 648.495, "end": 648.65497, "confidence": 0.998989, "punctuated_word": "it's", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "actually", "start": 648.65497, "end": 648.975, "confidence": 0.99613947, "punctuated_word": "actually", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "gaining", "start": 648.975, "end": 649.295, "confidence": 0.99841666, "punctuated_word": "gaining", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "some", "start": 649.295, "end": 649.535, "confidence": 0.99945706, "punctuated_word": "some", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "real", "start": 649.535, "end": 649.77496, "confidence": 0.99650687, "punctuated_word": "real", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "popular", "start": 649.77496, "end": 650.095, "confidence": 0.9993925, "punctuated_word": "popular", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "momentum", "start": 650.095, "end": 650.495, "confidence": 0.99951255, "punctuated_word": "momentum", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "in", "start": 650.495, "end": 650.65497, "confidence": 0.9992229, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "illinois", "start": 650.65497, "end": 651.13495, "confidence": 0.9048286, "punctuated_word": "Illinois.", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "so", "start": 651.13495, "end": 651.615, "confidence": 0.9966756, "punctuated_word": "So", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "hopefully", "start": 651.615, "end": 651.935, "confidence": 0.71650916, "punctuated_word": "hopefully", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "we'll", "start": 651.935, "end": 652.175, "confidence": 0.7505047, "punctuated_word": "we'll", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "see", "start": 652.175, "end": 652.33496, "confidence": 0.99952734, "punctuated_word": "see", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "other", "start": 652.33496, "end": 652.495, "confidence": 0.99891174, "punctuated_word": "other", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "states", "start": 652.495, "end": 652.89496, "confidence": 0.9987594, "punctuated_word": "states", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "or", "start": 652.89496, "end": 653.13495, "confidence": 0.91010106, "punctuated_word": "or", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "maybe", "start": 653.13495, "end": 653.45496, "confidence": 0.99752027, "punctuated_word": "maybe", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "even", "start": 653.45496, "end": 653.69495, "confidence": 0.9986767, "punctuated_word": "even", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "the", "start": 653.69495, "end": 653.855, "confidence": 0.9993882, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "federal", "start": 653.855, "end": 654.175, "confidence": 0.95297235, "punctuated_word": "federal", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "government", "start": 654.175, "end": 654.65497, "confidence": 0.9994117, "punctuated_word": "government", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "pass", "start": 654.65497, "end": 654.89496, "confidence": 0.9972479, "punctuated_word": "pass", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "a", "start": 654.89496, "end": 655.055, "confidence": 0.9955864, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "law", "start": 655.055, "end": 655.21497, "confidence": 0.97205204, "punctuated_word": "law", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "like", "start": 655.21497, "end": 655.375, "confidence": 0.9980915, "punctuated_word": "like", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "this", "start": 655.375, "end": 655.56, "confidence": 0.9867556, "punctuated_word": "this.", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "well", "start": 655.8, "end": 655.96, "confidence": 0.7828678, "punctuated_word": "Well,", "speaker": 2, "speaker_confidence": 0.5437922 }, { "word": "that", "start": 655.96, "end": 656.12, "confidence": 0.9991998, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.5437922 }, { "word": "sounds", "start": 656.12, "end": 656.52, "confidence": 0.9954835, "punctuated_word": "sounds", "speaker": 2, "speaker_confidence": 0.5437922 }, { "word": "optimistic", "start": 656.52, "end": 657.02, "confidence": 0.910272, "punctuated_word": "optimistic.", "speaker": 2, "speaker_confidence": 0.5437922 }, { "word": "but", "start": 658.27997, "end": 658.52, "confidence": 0.95708394, "punctuated_word": "But", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "but", "start": 658.52, "end": 658.76, "confidence": 0.95524544, "punctuated_word": "but", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "way", "start": 658.76, "end": 659.0, "confidence": 0.996391, "punctuated_word": "way", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "to", "start": 659.0, "end": 659.08, "confidence": 0.99948466, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "go", "start": 659.08, "end": 659.4, "confidence": 0.91208494, "punctuated_word": "go,", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "illinois", "start": 659.4, "end": 659.9, "confidence": 0.99678224, "punctuated_word": "Illinois.", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "alright", "start": 659.96, "end": 660.2, "confidence": 0.9790871, "punctuated_word": "Alright.", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "well", "start": 660.2, "end": 660.36, "confidence": 0.99168193, "punctuated_word": "Well,", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "thank", "start": 660.36, "end": 660.6, "confidence": 0.9991811, "punctuated_word": "thank", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "you", "start": 660.6, "end": 660.76, "confidence": 0.9998172, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "so", "start": 660.76, "end": 660.92, "confidence": 0.9990901, "punctuated_word": "so", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "much", "start": 660.92, "end": 661.08, "confidence": 0.9998018, "punctuated_word": "much", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "for", "start": 661.08, "end": 661.16, "confidence": 0.9993043, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "the", "start": 661.16, "end": 661.32, "confidence": 0.998796, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "updates", "start": 661.32, "end": 661.72, "confidence": 0.9307456, "punctuated_word": "updates,", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "natasha", "start": 661.72, "end": 662.12, "confidence": 0.9737757, "punctuated_word": "Natasha", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "and", "start": 662.12, "end": 662.27997, "confidence": 0.9672335, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "vijay", "start": 662.27997, "end": 662.77997, "confidence": 0.9138647, "punctuated_word": "Vijay.", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "definitely", "start": 663.24, "end": 663.72, "confidence": 0.9991511, "punctuated_word": "Definitely", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "keep", "start": 663.72, "end": 663.88, "confidence": 0.99805534, "punctuated_word": "keep", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "it", "start": 663.88, "end": 664.12, "confidence": 0.999522, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "up", "start": 664.12, "end": 664.44, "confidence": 0.75018215, "punctuated_word": "up.", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "and", "start": 664.44, "end": 664.92, "confidence": 0.99700564, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "as", "start": 664.92, "end": 665.08, "confidence": 0.97968984, "punctuated_word": "as", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "i", "start": 665.08, "end": 665.24, "confidence": 0.9989849, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "joked", "start": 665.24, "end": 665.72, "confidence": 0.99181354, "punctuated_word": "joked", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "before", "start": 665.72, "end": 666.12, "confidence": 0.9840314, "punctuated_word": "before,", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "if", "start": 666.12, "end": 666.36, "confidence": 0.99630016, "punctuated_word": "if", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "cdt", "start": 666.36, "end": 666.84, "confidence": 0.9689807, "punctuated_word": "CDT,", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "you", "start": 666.84, "end": 667.0, "confidence": 0.99960154, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "know", "start": 667.0, "end": 667.24, "confidence": 0.9905509, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "starts", "start": 667.24, "end": 667.56, "confidence": 0.70682377, "punctuated_word": "starts", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "to", "start": 667.56, "end": 667.64, "confidence": 0.9994062, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "do", "start": 667.64, "end": 667.72, "confidence": 0.999819, "punctuated_word": "do", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "more", "start": 667.72, "end": 667.88, "confidence": 0.9994247, "punctuated_word": "more", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "and", "start": 667.88, "end": 668.04, "confidence": 0.9992704, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "more", "start": 668.04, "end": 668.2, "confidence": 0.9998319, "punctuated_word": "more", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "state", "start": 668.2, "end": 668.36, "confidence": 0.93825936, "punctuated_word": "state", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "stuff", "start": 668.36, "end": 668.52, "confidence": 0.90849274, "punctuated_word": "stuff,", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "we'll", "start": 668.52, "end": 668.68, "confidence": 0.9975232, "punctuated_word": "we'll", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "get", "start": 668.68, "end": 668.84, "confidence": 0.9998266, "punctuated_word": "get", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "you", "start": 668.84, "end": 668.92, "confidence": 0.99825007, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "a", "start": 668.92, "end": 669.0, "confidence": 0.9830421, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "winnebago", "start": 669.0, "end": 669.5, "confidence": 0.9905894, "punctuated_word": "Winnebago", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "and", "start": 669.56, "end": 669.64, "confidence": 0.9896123, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "send", "start": 669.64, "end": 669.88, "confidence": 0.9992861, "punctuated_word": "send", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "you", "start": 669.88, "end": 670.04, "confidence": 0.9994948, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "on", "start": 670.04, "end": 670.12, "confidence": 0.99264634, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "a", "start": 670.12, "end": 670.2, "confidence": 0.9982748, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "50", "start": 670.2, "end": 670.52, "confidence": 0.99787986, "punctuated_word": "50", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "state", "start": 670.52, "end": 670.935, "confidence": 0.9917476, "punctuated_word": "state", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "tour", "start": 670.935, "end": 671.095, "confidence": 0.9891566, "punctuated_word": "tour.", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "looking", "start": 671.095, "end": 671.595, "confidence": 0.9902153, "punctuated_word": "Looking", "speaker": 0, "speaker_confidence": 0.19241881 }, { "word": "forward", "start": 672.135, "end": 672.41504, "confidence": 0.99839646, "punctuated_word": "forward", "speaker": 0, "speaker_confidence": 0.19241881 }, { "word": "to", "start": 672.41504, "end": 672.695, "confidence": 0.9924224, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.017642736 }, { "word": "it", "start": 672.695, "end": 672.775, "confidence": 0.9939331, "punctuated_word": "it.", "speaker": 1, "speaker_confidence": 0.017642736 }, { "word": "thank", "start": 672.775, "end": 672.935, "confidence": 0.9976942, "punctuated_word": "Thank", "speaker": 2, "speaker_confidence": 0.3566736 }, { "word": "you", "start": 672.935, "end": 673.095, "confidence": 0.9996724, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.3566736 }, { "word": "so", "start": 673.095, "end": 673.255, "confidence": 0.9986926, "punctuated_word": "so", "speaker": 2, "speaker_confidence": 0.3566736 }, { "word": "much", "start": 673.255, "end": 673.575, "confidence": 0.99953294, "punctuated_word": "much.", "speaker": 2, "speaker_confidence": 0.3566736 }, { "word": "thank", "start": 673.575, "end": 673.735, "confidence": 0.98563856, "punctuated_word": "Thank", "speaker": 3, "speaker_confidence": 0.18548846 }, { "word": "you", "start": 673.735, "end": 674.055, "confidence": 0.9988373, "punctuated_word": "you.", "speaker": 3, "speaker_confidence": 0.18548846 }, { "word": "thanks", "start": 674.055, "end": 674.555, "confidence": 0.9954827, "punctuated_word": "Thanks.", "speaker": 3, "speaker_confidence": 0.18548846 }, { "word": "most", "start": 678.855, "end": 679.175, "confidence": 0.6643713, "punctuated_word": "Most", "speaker": 2, "speaker_confidence": 0.537215 }, { "word": "americans", "start": 679.175, "end": 679.65497, "confidence": 0.9994424, "punctuated_word": "Americans", "speaker": 2, "speaker_confidence": 0.537215 }, { "word": "have", "start": 679.65497, "end": 679.815, "confidence": 0.99976474, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 0.537215 }, { "word": "a", "start": 679.815, "end": 679.895, "confidence": 0.9985709, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.537215 }, { "word": "bank", "start": 679.895, "end": 680.215, "confidence": 0.9997738, "punctuated_word": "bank", "speaker": 2, "speaker_confidence": 0.537215 }, { "word": "account", "start": 680.215, "end": 680.695, "confidence": 0.95305467, "punctuated_word": "account,", "speaker": 2, "speaker_confidence": 0.537215 }, { "word": "at", "start": 680.695, "end": 680.855, "confidence": 0.9992107, "punctuated_word": "at", "speaker": 2, "speaker_confidence": 0.57840407 }, { "word": "least", "start": 680.855, "end": 681.095, "confidence": 0.9998919, "punctuated_word": "least", "speaker": 2, "speaker_confidence": 0.57840407 }, { "word": "one", "start": 681.095, "end": 681.415, "confidence": 0.9961052, "punctuated_word": "one", "speaker": 2, "speaker_confidence": 0.57840407 }, { "word": "credit", "start": 681.415, "end": 681.735, "confidence": 0.9997732, "punctuated_word": "credit", "speaker": 2, "speaker_confidence": 0.57840407 }, { "word": "card", "start": 681.735, "end": 682.055, "confidence": 0.98431075, "punctuated_word": "card,", "speaker": 2, "speaker_confidence": 0.57840407 }, { "word": "perhaps", "start": 682.055, "end": 682.535, "confidence": 0.9968188, "punctuated_word": "perhaps", "speaker": 2, "speaker_confidence": 0.57840407 }, { "word": "more", "start": 682.535, "end": 682.95, "confidence": 0.9636271, "punctuated_word": "more,", "speaker": 2, "speaker_confidence": 0.57840407 }, { "word": "and", "start": 682.95, "end": 683.03, "confidence": 0.9951492, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "a", "start": 683.03, "end": 683.19, "confidence": 0.9951971, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "loan", "start": 683.19, "end": 683.35004, "confidence": 0.9996903, "punctuated_word": "loan", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "or", "start": 683.35004, "end": 683.43, "confidence": 0.99637765, "punctuated_word": "or", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "two", "start": 683.43, "end": 683.67, "confidence": 0.99976665, "punctuated_word": "two", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "for", "start": 683.67, "end": 683.91003, "confidence": 0.9978344, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "a", "start": 683.91003, "end": 683.99, "confidence": 0.9925471, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "car", "start": 683.99, "end": 684.23004, "confidence": 0.99981064, "punctuated_word": "car", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "or", "start": 684.23004, "end": 684.47003, "confidence": 0.92793137, "punctuated_word": "or", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "that", "start": 684.47003, "end": 684.63, "confidence": 0.9926643, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "pricey", "start": 684.63, "end": 685.03, "confidence": 0.90013885, "punctuated_word": "pricey", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "college", "start": 685.03, "end": 685.35004, "confidence": 0.99900144, "punctuated_word": "college", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "degree", "start": 685.35004, "end": 685.85004, "confidence": 0.99854076, "punctuated_word": "degree.", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "these", "start": 686.15, "end": 686.39, "confidence": 0.98576087, "punctuated_word": "These", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "all", "start": 686.39, "end": 686.55, "confidence": 0.99815744, "punctuated_word": "all", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "come", "start": 686.55, "end": 686.71, "confidence": 0.99924695, "punctuated_word": "come", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "with", "start": 686.71, "end": 686.95, "confidence": 0.99902356, "punctuated_word": "with", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "interest", "start": 686.95, "end": 687.35004, "confidence": 0.9987496, "punctuated_word": "interest", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "rates", "start": 687.35004, "end": 687.67, "confidence": 0.99904877, "punctuated_word": "rates", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "and", "start": 687.67, "end": 687.91003, "confidence": 0.8527173, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "payment", "start": 687.91003, "end": 688.31, "confidence": 0.9874757, "punctuated_word": "payment", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "schedules", "start": 688.31, "end": 688.71, "confidence": 0.9993401, "punctuated_word": "schedules", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "and", "start": 688.71, "end": 688.95, "confidence": 0.72944564, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "a", "start": 688.95, "end": 689.03, "confidence": 0.99843556, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "lot", "start": 689.03, "end": 689.19, "confidence": 0.9984812, "punctuated_word": "lot", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "of", "start": 689.19, "end": 689.35004, "confidence": 0.9978264, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "data", "start": 689.35004, "end": 689.75, "confidence": 0.9997334, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "about", "start": 689.75, "end": 689.99, "confidence": 0.99854565, "punctuated_word": "about", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "how", "start": 689.99, "end": 690.23004, "confidence": 0.99819595, "punctuated_word": "how", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "much", "start": 690.23004, "end": 690.47003, "confidence": 0.99947685, "punctuated_word": "much", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "money", "start": 690.47003, "end": 690.71, "confidence": 0.99812716, "punctuated_word": "money", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "we", "start": 690.71, "end": 690.87, "confidence": 0.9995123, "punctuated_word": "we", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "have", "start": 690.87, "end": 691.27, "confidence": 0.99982315, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "and", "start": 691.27, "end": 691.43, "confidence": 0.971235, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "how", "start": 691.43, "end": 691.67, "confidence": 0.9992894, "punctuated_word": "how", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "we", "start": 691.67, "end": 691.83, "confidence": 0.99818975, "punctuated_word": "we", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "spend", "start": 691.83, "end": 692.07, "confidence": 0.99803287, "punctuated_word": "spend", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "it", "start": 692.07, "end": 692.57, "confidence": 0.99921703, "punctuated_word": "it.", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "this", "start": 692.95, "end": 693.11, "confidence": 0.9988324, "punctuated_word": "This", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "is", "start": 693.11, "end": 693.35004, "confidence": 0.99653244, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "data", "start": 693.35004, "end": 693.59, "confidence": 0.99908495, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "that", "start": 693.59, "end": 693.75, "confidence": 0.999403, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "is", "start": 693.75, "end": 693.91003, "confidence": 0.99809605, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "often", "start": 693.91003, "end": 694.23004, "confidence": 0.99959177, "punctuated_word": "often", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "used", "start": 694.23004, "end": 694.47003, "confidence": 0.9982815, "punctuated_word": "used", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "to", "start": 694.47003, "end": 694.55, "confidence": 0.9969831, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "decide", "start": 694.55, "end": 694.87, "confidence": 0.99914145, "punctuated_word": "decide", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "if", "start": 694.87, "end": 694.95, "confidence": 0.9992256, "punctuated_word": "if", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "we", "start": 694.95, "end": 695.11, "confidence": 0.9990256, "punctuated_word": "we", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "qualify", "start": 695.11, "end": 695.59, "confidence": 0.997789, "punctuated_word": "qualify", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "for", "start": 695.59, "end": 695.75, "confidence": 0.99870396, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "a", "start": 695.75, "end": 695.91003, "confidence": 0.99857366, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "new", "start": 695.91003, "end": 696.07, "confidence": 0.9996118, "punctuated_word": "new", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "loan", "start": 696.07, "end": 696.39, "confidence": 0.99965906, "punctuated_word": "loan", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "or", "start": 696.39, "end": 696.55, "confidence": 0.9669426, "punctuated_word": "or", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "receive", "start": 696.55, "end": 696.87, "confidence": 0.9909175, "punctuated_word": "receive", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "financial", "start": 696.87, "end": 697.37, "confidence": 0.99891174, "punctuated_word": "financial", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "aid", "start": 697.425, "end": 697.58496, "confidence": 0.98434806, "punctuated_word": "aid", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "for", "start": 697.58496, "end": 697.745, "confidence": 0.9967173, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "school", "start": 697.745, "end": 698.245, "confidence": 0.941059, "punctuated_word": "school.", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "and", "start": 698.305, "end": 698.46497, "confidence": 0.9960962, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "this", "start": 698.46497, "end": 698.705, "confidence": 0.9992768, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "data", "start": 698.705, "end": 699.02496, "confidence": 0.9996512, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "is", "start": 699.02496, "end": 699.265, "confidence": 0.9995322, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "also", "start": 699.265, "end": 699.505, "confidence": 0.99852717, "punctuated_word": "also", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "potentially", "start": 699.505, "end": 699.985, "confidence": 0.9951408, "punctuated_word": "potentially", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "very", "start": 699.985, "end": 700.225, "confidence": 0.998192, "punctuated_word": "very", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "valuable", "start": 700.225, "end": 700.705, "confidence": 0.9985226, "punctuated_word": "valuable", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "to", "start": 700.705, "end": 700.945, "confidence": 0.9983581, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "businesses", "start": 700.945, "end": 701.445, "confidence": 0.9982034, "punctuated_word": "businesses", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "wanting", "start": 701.505, "end": 701.745, "confidence": 0.9876795, "punctuated_word": "wanting", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "to", "start": 701.745, "end": 701.90497, "confidence": 0.9985038, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "offer", "start": 701.90497, "end": 702.06494, "confidence": 0.999798, "punctuated_word": "offer", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "a", "start": 702.06494, "end": 702.225, "confidence": 0.9960467, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "range", "start": 702.225, "end": 702.545, "confidence": 0.99986553, "punctuated_word": "range", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "of", "start": 702.545, "end": 702.705, "confidence": 0.9987619, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "services", "start": 702.705, "end": 703.205, "confidence": 0.9988053, "punctuated_word": "services.", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "investnet", "start": 703.825, "end": 704.325, "confidence": 0.6952797, "punctuated_word": "InvestNet", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "yodlee", "start": 704.385, "end": 704.785, "confidence": 0.9066251, "punctuated_word": "Yodlee", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "is", "start": 704.785, "end": 704.945, "confidence": 0.99609214, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "one", "start": 704.945, "end": 705.105, "confidence": 0.99611735, "punctuated_word": "one", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "such", "start": 705.105, "end": 705.345, "confidence": 0.99507374, "punctuated_word": "such", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "company", "start": 705.345, "end": 705.665, "confidence": 0.9932766, "punctuated_word": "company", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "that", "start": 705.665, "end": 705.825, "confidence": 0.9992544, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "is", "start": 705.825, "end": 705.985, "confidence": 0.9991779, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "leveraging", "start": 705.985, "end": 706.46497, "confidence": 0.99789006, "punctuated_word": "leveraging", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "this", "start": 706.46497, "end": 706.705, "confidence": 0.99620265, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "financial", "start": 706.705, "end": 707.105, "confidence": 0.99945205, "punctuated_word": "financial", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "data", "start": 707.105, "end": 707.425, "confidence": 0.99948514, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "to", "start": 707.425, "end": 707.58496, "confidence": 0.9986865, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "offer", "start": 707.58496, "end": 707.825, "confidence": 0.9996526, "punctuated_word": "offer", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "a", "start": 707.825, "end": 707.985, "confidence": 0.9964474, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "variety", "start": 707.985, "end": 708.46497, "confidence": 0.999705, "punctuated_word": "variety", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "of", "start": 708.46497, "end": 708.625, "confidence": 0.99970156, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "services", "start": 708.625, "end": 709.125, "confidence": 0.99951696, "punctuated_word": "services", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "in", "start": 709.185, "end": 709.265, "confidence": 0.9932554, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "the", "start": 709.265, "end": 709.425, "confidence": 0.99960154, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "fintech", "start": 709.425, "end": 709.825, "confidence": 0.9651734, "punctuated_word": "fintech", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "space", "start": 709.825, "end": 710.325, "confidence": 0.99778783, "punctuated_word": "space.", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "they", "start": 710.46497, "end": 710.625, "confidence": 0.99415946, "punctuated_word": "They", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "are", "start": 710.625, "end": 710.785, "confidence": 0.65349793, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "facing", "start": 710.785, "end": 711.02496, "confidence": 0.9993711, "punctuated_word": "facing", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "a", "start": 711.02496, "end": 711.185, "confidence": 0.9987519, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "number", "start": 711.185, "end": 711.425, "confidence": 0.99985445, "punctuated_word": "number", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "of", "start": 711.425, "end": 711.58496, "confidence": 0.9990395, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "challenges", "start": 711.58496, "end": 712.08, "confidence": 0.9987362, "punctuated_word": "challenges", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "though", "start": 712.08, "end": 712.24, "confidence": 0.99541855, "punctuated_word": "though,", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "when", "start": 712.24, "end": 712.4, "confidence": 0.9999167, "punctuated_word": "when", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "it", "start": 712.4, "end": 712.48004, "confidence": 0.99987423, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "comes", "start": 712.48004, "end": 712.56, "confidence": 0.9995703, "punctuated_word": "comes", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "to", "start": 712.56, "end": 712.96, "confidence": 0.997644, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "consumers'", "start": 712.96, "end": 713.44, "confidence": 0.9047346, "punctuated_word": "consumers'", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "financial", "start": 713.44, "end": 713.92004, "confidence": 0.9994885, "punctuated_word": "financial", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "data", "start": 713.92004, "end": 714.42004, "confidence": 0.9822471, "punctuated_word": "data,", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "including", "start": 714.56, "end": 714.96, "confidence": 0.99976367, "punctuated_word": "including", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "questions", "start": 714.96, "end": 715.36005, "confidence": 0.9994604, "punctuated_word": "questions", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "around", "start": 715.36005, "end": 715.76, "confidence": 0.9993869, "punctuated_word": "around", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "who", "start": 715.76, "end": 715.92004, "confidence": 0.9632513, "punctuated_word": "who", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "has", "start": 715.92004, "end": 716.16003, "confidence": 0.9997031, "punctuated_word": "has", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "control", "start": 716.16003, "end": 716.48004, "confidence": 0.99840957, "punctuated_word": "control", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "and", "start": 716.48004, "end": 716.72003, "confidence": 0.99859625, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "responsibility", "start": 716.72003, "end": 717.22003, "confidence": 0.9987204, "punctuated_word": "responsibility", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "for", "start": 717.60004, "end": 717.76, "confidence": 0.99946994, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "that", "start": 717.76, "end": 718.0, "confidence": 0.9969283, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "data", "start": 718.0, "end": 718.5, "confidence": 0.9336833, "punctuated_word": "data.", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "steve", "start": 718.8, "end": 719.12, "confidence": 0.99744403, "punctuated_word": "Steve", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "baums", "start": 719.12, "end": 719.52, "confidence": 0.677622, "punctuated_word": "Baums,", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "the", "start": 719.52, "end": 719.60004, "confidence": 0.99793315, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "vice", "start": 719.60004, "end": 719.92004, "confidence": 0.9376144, "punctuated_word": "vice", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "president", "start": 719.92004, "end": 720.24, "confidence": 0.99859506, "punctuated_word": "president", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "of", "start": 720.24, "end": 720.4, "confidence": 0.99947506, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "government", "start": 720.4, "end": 720.8, "confidence": 0.9539066, "punctuated_word": "government", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "affairs", "start": 720.8, "end": 721.2, "confidence": 0.9986492, "punctuated_word": "affairs", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "at", "start": 721.2, "end": 721.36005, "confidence": 0.9947589, "punctuated_word": "at", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "yodlee", "start": 721.36005, "end": 721.84, "confidence": 0.9130476, "punctuated_word": "Yodlee,", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "joins", "start": 721.84, "end": 722.08, "confidence": 0.9970439, "punctuated_word": "joins", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "us", "start": 722.08, "end": 722.24, "confidence": 0.99982435, "punctuated_word": "us", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "today", "start": 722.24, "end": 722.48004, "confidence": 0.9994215, "punctuated_word": "today", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "to", "start": 722.48004, "end": 722.64, "confidence": 0.99900275, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "talk", "start": 722.64, "end": 722.8, "confidence": 0.9999049, "punctuated_word": "talk", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "through", "start": 722.8, "end": 722.96, "confidence": 0.9995995, "punctuated_word": "through", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "some", "start": 722.96, "end": 723.12, "confidence": 0.999658, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "of", "start": 723.12, "end": 723.2, "confidence": 0.9998216, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "these", "start": 723.2, "end": 723.44, "confidence": 0.9992242, "punctuated_word": "these", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "issues", "start": 723.44, "end": 723.76, "confidence": 0.99961793, "punctuated_word": "issues.", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "welcome", "start": 723.76, "end": 724.26, "confidence": 0.99625725, "punctuated_word": "Welcome,", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "steve", "start": 724.67505, "end": 724.91504, "confidence": 0.99956524, "punctuated_word": "Steve.", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "hello", "start": 724.91504, "end": 725.41504, "confidence": 0.99925756, "punctuated_word": "Hello.", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "so", "start": 725.635, "end": 725.875, "confidence": 0.9991547, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "first", "start": 725.875, "end": 726.195, "confidence": 0.87953013, "punctuated_word": "first,", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "tell", "start": 726.195, "end": 726.35504, "confidence": 0.9992248, "punctuated_word": "tell", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "us", "start": 726.35504, "end": 726.59503, "confidence": 0.9996125, "punctuated_word": "us", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "about", "start": 726.59503, "end": 726.91504, "confidence": 0.99844885, "punctuated_word": "about", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "yodlee", "start": 726.91504, "end": 727.41504, "confidence": 0.9995493, "punctuated_word": "Yodlee", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "in", "start": 727.47504, "end": 727.635, "confidence": 0.940978, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "general", "start": 727.635, "end": 727.955, "confidence": 0.8332707, "punctuated_word": "general.", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "so", "start": 727.955, "end": 728.195, "confidence": 0.99921584, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "for", "start": 728.195, "end": 728.435, "confidence": 0.987183, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "the", "start": 728.435, "end": 728.515, "confidence": 0.9980202, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "folks", "start": 728.515, "end": 728.835, "confidence": 0.9994554, "punctuated_word": "folks", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "who", "start": 728.835, "end": 728.995, "confidence": 0.998089, "punctuated_word": "who", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "don't", "start": 728.995, "end": 729.03503, "confidence": 0.99996924, "punctuated_word": "don't", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "know", "start": 729.03503, "end": 729.075, "confidence": 0.999564, "punctuated_word": "know", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "sure", "start": 729.395, "end": 729.59503, "confidence": 0.99199086, "punctuated_word": "Sure.", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "and", "start": 729.79504, "end": 730.03503, "confidence": 0.992332, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "you", "start": 730.03503, "end": 730.195, "confidence": 0.99928206, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "also", "start": 730.195, "end": 730.435, "confidence": 0.9994784, "punctuated_word": "also", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "have", "start": 730.435, "end": 730.59503, "confidence": 0.9994199, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "this", "start": 730.59503, "end": 730.755, "confidence": 0.9989604, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "thing", "start": 730.755, "end": 730.995, "confidence": 0.99945253, "punctuated_word": "thing", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "called", "start": 730.995, "end": 731.395, "confidence": 0.9989673, "punctuated_word": "called", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "screenless", "start": 731.395, "end": 731.895, "confidence": 0.772472, "punctuated_word": "screenless", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "data", "start": 732.03503, "end": 732.35504, "confidence": 0.99912804, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "capture", "start": 732.35504, "end": 732.835, "confidence": 0.9971266, "punctuated_word": "capture.", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "what", "start": 732.835, "end": 732.995, "confidence": 0.9991239, "punctuated_word": "What", "speaker": 2, "speaker_confidence": 0.31924385 }, { "word": "the", "start": 732.995, "end": 733.155, "confidence": 0.99932003, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.31924385 }, { "word": "heck", "start": 733.155, "end": 733.315, "confidence": 0.9996791, "punctuated_word": "heck", "speaker": 2, "speaker_confidence": 0.31924385 }, { "word": "is", "start": 733.315, "end": 733.47504, "confidence": 0.99927527, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.31924385 }, { "word": "that", "start": 733.47504, "end": 733.79504, "confidence": 0.9989733, "punctuated_word": "that?", "speaker": 2, "speaker_confidence": 0.31924385 }, { "word": "sure", "start": 733.79504, "end": 734.11505, "confidence": 0.9512974, "punctuated_word": "Sure.", "speaker": 1, "speaker_confidence": 0.39858723 }, { "word": "so", "start": 734.11505, "end": 734.61505, "confidence": 0.6705336, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.39858723 }, { "word": "the", "start": 734.995, "end": 735.155, "confidence": 0.93071204, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.39858723 }, { "word": "best", "start": 735.155, "end": 735.315, "confidence": 0.98694915, "punctuated_word": "best", "speaker": 1, "speaker_confidence": 0.39858723 }, { "word": "and", "start": 735.315, "end": 735.47504, "confidence": 0.99556965, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.39858723 }, { "word": "easiest", "start": 735.47504, "end": 735.875, "confidence": 0.9992137, "punctuated_word": "easiest", "speaker": 1, "speaker_confidence": 0.39858723 }, { "word": "way", "start": 735.875, "end": 735.955, "confidence": 0.9960049, "punctuated_word": "way", "speaker": 1, "speaker_confidence": 0.39858723 }, { "word": "to", "start": 735.955, "end": 736.03503, "confidence": 0.97837836, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "think", "start": 736.03503, "end": 736.195, "confidence": 0.9966994, "punctuated_word": "think", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "about", "start": 736.195, "end": 736.435, "confidence": 0.9765978, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "yodlee", "start": 736.435, "end": 736.835, "confidence": 0.9984007, "punctuated_word": "Yodlee", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "is", "start": 736.835, "end": 737.075, "confidence": 0.9878078, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "as", "start": 737.075, "end": 737.23505, "confidence": 0.96880853, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "the", "start": 737.23505, "end": 737.395, "confidence": 0.9222651, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "intermediary", "start": 737.395, "end": 737.895, "confidence": 0.9079714, "punctuated_word": "intermediary", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "between", "start": 738.23, "end": 738.73, "confidence": 0.93249255, "punctuated_word": "between", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "fintech", "start": 738.79, "end": 739.19, "confidence": 0.96519536, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "and", "start": 739.19, "end": 739.35, "confidence": 0.9992841, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "the", "start": 739.35, "end": 739.50995, "confidence": 0.9765083, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "traditional", "start": 739.50995, "end": 739.82996, "confidence": 0.9741313, "punctuated_word": "traditional", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "banking", "start": 739.82996, "end": 740.23, "confidence": 0.9997378, "punctuated_word": "banking", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "sector", "start": 740.23, "end": 740.62994, "confidence": 0.9987099, "punctuated_word": "sector.", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "we're", "start": 740.62994, "end": 740.94995, "confidence": 0.9992169, "punctuated_word": "We're", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "about", "start": 740.94995, "end": 741.35, "confidence": 0.9995741, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "twenty", "start": 741.35, "end": 741.67, "confidence": 0.9997032, "punctuated_word": "twenty", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "years", "start": 741.67, "end": 741.91, "confidence": 0.9997881, "punctuated_word": "years", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "old", "start": 741.91, "end": 742.14996, "confidence": 0.7773649, "punctuated_word": "old.", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "so", "start": 742.14996, "end": 742.38995, "confidence": 0.9988066, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.32315361 }, { "word": "we're", "start": 742.38995, "end": 742.62994, "confidence": 0.9994932, "punctuated_word": "we're", "speaker": 1, "speaker_confidence": 0.32315361 }, { "word": "one", "start": 742.62994, "end": 742.79, "confidence": 0.9996269, "punctuated_word": "one", "speaker": 1, "speaker_confidence": 0.32315361 }, { "word": "of", "start": 742.79, "end": 742.87, "confidence": 0.9990509, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.32315361 }, { "word": "the", "start": 742.87, "end": 743.02997, "confidence": 0.9990766, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.32315361 }, { "word": "first", "start": 743.02997, "end": 743.50995, "confidence": 0.99800307, "punctuated_word": "first", "speaker": 1, "speaker_confidence": 0.32315361 }, { "word": "fintech", "start": 743.50995, "end": 743.82996, "confidence": 0.9832466, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "companies", "start": 743.82996, "end": 744.31, "confidence": 0.99750024, "punctuated_word": "companies", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "out", "start": 744.31, "end": 744.38995, "confidence": 0.9994824, "punctuated_word": "out", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "there", "start": 744.38995, "end": 744.88995, "confidence": 0.9679477, "punctuated_word": "there.", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "and", "start": 745.35, "end": 745.85, "confidence": 0.9968375, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "the", "start": 746.14996, "end": 746.55, "confidence": 0.9963097, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "business", "start": 746.55, "end": 747.02997, "confidence": 0.9964772, "punctuated_word": "business", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "case", "start": 747.02997, "end": 747.35, "confidence": 0.9984926, "punctuated_word": "case", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "is", "start": 747.35, "end": 747.67, "confidence": 0.99627906, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "when", "start": 747.67, "end": 747.99, "confidence": 0.9701826, "punctuated_word": "when", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "you", "start": 747.99, "end": 748.23, "confidence": 0.96978956, "punctuated_word": "you,", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "the", "start": 748.23, "end": 748.38995, "confidence": 0.9987112, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "consumer", "start": 748.38995, "end": 748.79, "confidence": 0.7293359, "punctuated_word": "consumer,", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "a", "start": 748.79, "end": 748.94995, "confidence": 0.64705116, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "small", "start": 748.94995, "end": 749.19, "confidence": 0.99965227, "punctuated_word": "small", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "business", "start": 749.19, "end": 749.50995, "confidence": 0.99724764, "punctuated_word": "business", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "wants", "start": 749.50995, "end": 749.75, "confidence": 0.56283915, "punctuated_word": "wants", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "to", "start": 749.75, "end": 749.82996, "confidence": 0.99595356, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "use", "start": 749.82996, "end": 750.06995, "confidence": 0.99697435, "punctuated_word": "use", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "a", "start": 750.06995, "end": 750.14996, "confidence": 0.9766368, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "fintech", "start": 750.14996, "end": 750.55, "confidence": 0.9986713, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "platform", "start": 750.55, "end": 751.05, "confidence": 0.9980269, "punctuated_word": "platform", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "but", "start": 751.35, "end": 751.50995, "confidence": 0.50016695, "punctuated_word": "but", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "wanna", "start": 751.50995, "end": 751.82996, "confidence": 0.96506053, "punctuated_word": "wanna", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "connect", "start": 751.82996, "end": 752.14996, "confidence": 0.99549747, "punctuated_word": "connect", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "your", "start": 752.14996, "end": 752.38995, "confidence": 0.94243526, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "bank", "start": 752.38995, "end": 752.88995, "confidence": 0.76344144, "punctuated_word": "bank,", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "and", "start": 753.02997, "end": 753.19, "confidence": 0.92319167, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "the", "start": 753.19, "end": 753.26996, "confidence": 0.8675779, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "average", "start": 753.26996, "end": 753.4275, "confidence": 0.595062, "punctuated_word": "average", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "american", "start": 753.4275, "end": 753.585, "confidence": 0.7889237, "punctuated_word": "American", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "average", "start": 754.54504, "end": 754.625, "confidence": 0.5194478, "punctuated_word": "average", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "american", "start": 754.625, "end": 754.985, "confidence": 0.9254959, "punctuated_word": "American", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "has", "start": 754.985, "end": 755.34503, "confidence": 0.85028267, "punctuated_word": "has", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "about", "start": 755.34503, "end": 755.625, "confidence": 0.85205346, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "15", "start": 755.625, "end": 755.905, "confidence": 0.81206113, "punctuated_word": "15", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "different", "start": 755.905, "end": 756.18506, "confidence": 0.734018, "punctuated_word": "different", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "bank", "start": 756.18506, "end": 756.465, "confidence": 0.9606916, "punctuated_word": "bank", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "or", "start": 756.465, "end": 756.54504, "confidence": 0.59298253, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "payment", "start": 756.54504, "end": 756.705, "confidence": 0.7517664, "punctuated_word": "payment", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "accounts", "start": 756.705, "end": 757.18506, "confidence": 0.97775614, "punctuated_word": "accounts", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "at", "start": 757.18506, "end": 757.66504, "confidence": 0.61431235, "punctuated_word": "at", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "seven", "start": 757.66504, "end": 758.16504, "confidence": 0.5361245, "punctuated_word": "seven", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "different", "start": 758.22504, "end": 758.265, "confidence": 0.6001919, "punctuated_word": "different", "speaker": 2, "speaker_confidence": 0.08002412 }, { "word": "wow", "start": 758.305, "end": 758.54504, "confidence": 0.8942063, "punctuated_word": "Wow.", "speaker": 2, "speaker_confidence": 0.08002412 }, { "word": "i'm", "start": 758.54504, "end": 758.625, "confidence": 0.8688631, "punctuated_word": "I'm", "speaker": 2, "speaker_confidence": 0.4415297 }, { "word": "below", "start": 758.625, "end": 759.125, "confidence": 0.8820667, "punctuated_word": "below", "speaker": 2, "speaker_confidence": 0.4415297 }, { "word": "average", "start": 759.185, "end": 759.42505, "confidence": 0.79134274, "punctuated_word": "average,", "speaker": 2, "speaker_confidence": 0.4415297 }, { "word": "i", "start": 759.42505, "end": 759.505, "confidence": 0.8239232, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.4415297 }, { "word": "think", "start": 759.505, "end": 759.745, "confidence": 0.68029505, "punctuated_word": "think,", "speaker": 2, "speaker_confidence": 0.4415297 }, { "word": "now", "start": 759.745, "end": 760.065, "confidence": 0.7667655, "punctuated_word": "now.", "speaker": 2, "speaker_confidence": 0.4415297 }, { "word": "so", "start": 760.065, "end": 760.22504, "confidence": 0.88818294, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.30140728 }, { "word": "that's", "start": 760.22504, "end": 760.465, "confidence": 0.94800305, "punctuated_word": "that's", "speaker": 2, "speaker_confidence": 0.30140728 }, { "word": "good", "start": 760.465, "end": 760.965, "confidence": 0.9361503, "punctuated_word": "good.", "speaker": 2, "speaker_confidence": 0.30140728 }, { "word": "the", "start": 761.66504, "end": 761.745, "confidence": 0.9248554, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.44147748 }, { "word": "idea", "start": 761.745, "end": 762.145, "confidence": 0.7073685, "punctuated_word": "idea", "speaker": 1, "speaker_confidence": 0.44147748 }, { "word": "is", "start": 762.145, "end": 762.385, "confidence": 0.8822452, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.44147748 }, { "word": "that", "start": 762.385, "end": 762.78503, "confidence": 0.90172327, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.44147748 }, { "word": "we", "start": 762.78503, "end": 762.945, "confidence": 0.96369296, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.44147748 }, { "word": "can", "start": 762.945, "end": 763.10504, "confidence": 0.947587, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "connect", "start": 763.10504, "end": 763.585, "confidence": 0.9843658, "punctuated_word": "connect", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "those", "start": 763.585, "end": 763.745, "confidence": 0.85557735, "punctuated_word": "those", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "two", "start": 763.745, "end": 764.245, "confidence": 0.97907877, "punctuated_word": "two.", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "so", "start": 764.305, "end": 764.805, "confidence": 0.9779961, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "screenless", "start": 764.86505, "end": 765.34503, "confidence": 0.84611845, "punctuated_word": "screenless", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "data", "start": 765.34503, "end": 765.66504, "confidence": 0.99760336, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "capture", "start": 765.66504, "end": 766.065, "confidence": 0.99452496, "punctuated_word": "capture", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "is", "start": 766.065, "end": 766.22504, "confidence": 0.99476445, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "one", "start": 766.22504, "end": 766.465, "confidence": 0.98957413, "punctuated_word": "one", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "way", "start": 766.465, "end": 766.705, "confidence": 0.99001175, "punctuated_word": "way", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "of", "start": 766.705, "end": 766.86505, "confidence": 0.9967355, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "connecting", "start": 766.86505, "end": 767.265, "confidence": 0.9991404, "punctuated_word": "connecting", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "those", "start": 767.265, "end": 767.505, "confidence": 0.9938133, "punctuated_word": "those", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "two", "start": 767.505, "end": 767.825, "confidence": 0.9941685, "punctuated_word": "two.", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "that's", "start": 767.825, "end": 768.065, "confidence": 0.9990039, "punctuated_word": "That's", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "where", "start": 768.065, "end": 768.465, "confidence": 0.99968326, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "we", "start": 768.465, "end": 768.625, "confidence": 0.96538574, "punctuated_word": "we,", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "get", "start": 769.17, "end": 769.41, "confidence": 0.999841, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "the", "start": 769.41, "end": 769.57, "confidence": 0.99968123, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "user's", "start": 769.57, "end": 769.97, "confidence": 0.8864825, "punctuated_word": "user's", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "credentials", "start": 769.97, "end": 770.47, "confidence": 0.8993737, "punctuated_word": "credentials,", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "so", "start": 770.61, "end": 770.85, "confidence": 0.99940133, "punctuated_word": "so", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "username", "start": 770.85, "end": 771.25, "confidence": 0.96254414, "punctuated_word": "username", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "and", "start": 771.25, "end": 771.41, "confidence": 0.9904991, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "password", "start": 771.41, "end": 771.91, "confidence": 0.94681114, "punctuated_word": "password,", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "and", "start": 772.52997, "end": 772.93, "confidence": 0.99944824, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "log", "start": 772.93, "end": 773.17, "confidence": 0.89678955, "punctuated_word": "log", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "in", "start": 773.17, "end": 773.33, "confidence": 0.9955309, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "as", "start": 773.33, "end": 773.57, "confidence": 0.9898948, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "them", "start": 773.57, "end": 773.81, "confidence": 0.9984377, "punctuated_word": "them", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "to", "start": 773.81, "end": 774.05, "confidence": 0.99792457, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "capture", "start": 774.05, "end": 774.37, "confidence": 0.9999039, "punctuated_word": "capture", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "the", "start": 774.37, "end": 774.45, "confidence": 0.9985246, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "data", "start": 774.45, "end": 774.77, "confidence": 0.99993646, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "and", "start": 774.77, "end": 774.93, "confidence": 0.98863274, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "use", "start": 774.93, "end": 775.08997, "confidence": 0.99990547, "punctuated_word": "use", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "it", "start": 775.08997, "end": 775.25, "confidence": 0.9997663, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "for", "start": 775.25, "end": 775.41, "confidence": 0.9993388, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "the", "start": 775.41, "end": 775.57, "confidence": 0.99716586, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "third", "start": 775.57, "end": 775.73, "confidence": 0.9999299, "punctuated_word": "third", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "party", "start": 775.73, "end": 776.13, "confidence": 0.9997923, "punctuated_word": "party", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "application", "start": 776.13, "end": 776.63, "confidence": 0.98368037, "punctuated_word": "application.", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "but", "start": 776.93, "end": 777.17, "confidence": 0.9994911, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "only", "start": 777.17, "end": 777.49, "confidence": 0.9992785, "punctuated_word": "only", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "about", "start": 777.49, "end": 777.81, "confidence": 0.999811, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "25%", "start": 777.81, "end": 778.45, "confidence": 0.9993949, "punctuated_word": "25%", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "of", "start": 778.45, "end": 778.61, "confidence": 0.99993825, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "our", "start": 778.61, "end": 778.77, "confidence": 0.99966455, "punctuated_word": "our", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "data", "start": 778.77, "end": 779.08997, "confidence": 0.99992406, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "comes", "start": 779.08997, "end": 779.33, "confidence": 0.9996468, "punctuated_word": "comes", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "from", "start": 779.33, "end": 779.64996, "confidence": 0.9998915, "punctuated_word": "from", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "screenless", "start": 779.64996, "end": 780.05, "confidence": 0.85917014, "punctuated_word": "screenless", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "data", "start": 780.05, "end": 780.29, "confidence": 0.9988194, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "capture", "start": 780.29, "end": 780.79, "confidence": 0.99246466, "punctuated_word": "capture.", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "the", "start": 780.945, "end": 781.185, "confidence": 0.999828, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "vast", "start": 781.185, "end": 781.425, "confidence": 0.9777218, "punctuated_word": "vast,", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "vast", "start": 781.425, "end": 781.665, "confidence": 0.99921334, "punctuated_word": "vast,", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "vast", "start": 781.665, "end": 781.985, "confidence": 0.9998627, "punctuated_word": "vast", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "majority", "start": 781.985, "end": 782.305, "confidence": 0.99231005, "punctuated_word": "majority", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "of", "start": 782.305, "end": 782.465, "confidence": 0.9997956, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "our", "start": 782.465, "end": 782.545, "confidence": 0.9994579, "punctuated_word": "our", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "data", "start": 782.545, "end": 782.78503, "confidence": 0.9999424, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "comes", "start": 782.78503, "end": 782.945, "confidence": 0.9995634, "punctuated_word": "comes", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "from", "start": 782.945, "end": 783.105, "confidence": 0.99978524, "punctuated_word": "from", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "what", "start": 783.105, "end": 783.185, "confidence": 0.9592291, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "we", "start": 783.185, "end": 783.34503, "confidence": 0.99995124, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "call", "start": 783.34503, "end": 783.505, "confidence": 0.9986902, "punctuated_word": "call", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "direct", "start": 783.505, "end": 783.745, "confidence": 0.99695563, "punctuated_word": "direct", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "feeds", "start": 783.745, "end": 784.245, "confidence": 0.98467857, "punctuated_word": "feeds.", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "so", "start": 784.465, "end": 784.705, "confidence": 0.99913836, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "yodlee's", "start": 784.705, "end": 785.205, "confidence": 0.9899629, "punctuated_word": "Yodlee's", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "differentiator", "start": 785.425, "end": 785.925, "confidence": 0.9997075, "punctuated_word": "differentiator", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "in", "start": 786.065, "end": 786.145, "confidence": 0.99840087, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "the", "start": 786.145, "end": 786.22504, "confidence": 0.9998574, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "market", "start": 786.22504, "end": 786.72504, "confidence": 0.9999764, "punctuated_word": "market", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "is", "start": 786.78503, "end": 787.105, "confidence": 0.999456, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "we've", "start": 787.105, "end": 787.34503, "confidence": 0.9513347, "punctuated_word": "we've", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "negotiated", "start": 787.34503, "end": 787.84503, "confidence": 0.999793, "punctuated_word": "negotiated", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "bilateral", "start": 788.065, "end": 788.565, "confidence": 0.9998337, "punctuated_word": "bilateral", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "deals", "start": 788.625, "end": 789.105, "confidence": 0.99994683, "punctuated_word": "deals", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "with", "start": 789.105, "end": 789.605, "confidence": 0.99967134, "punctuated_word": "with", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "hundreds", "start": 790.22504, "end": 790.625, "confidence": 0.98082125, "punctuated_word": "hundreds,", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "maybe", "start": 790.625, "end": 790.865, "confidence": 0.99926454, "punctuated_word": "maybe", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "thousands", "start": 790.865, "end": 791.185, "confidence": 0.9916722, "punctuated_word": "thousands", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "of", "start": 791.185, "end": 791.265, "confidence": 0.8555703, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "different", "start": 791.265, "end": 791.505, "confidence": 0.9897968, "punctuated_word": "different", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "data", "start": 791.505, "end": 791.745, "confidence": 0.9996551, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "sources", "start": 791.745, "end": 792.245, "confidence": 0.9999075, "punctuated_word": "sources", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "so", "start": 792.465, "end": 792.625, "confidence": 0.88578904, "punctuated_word": "so", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "that", "start": 792.625, "end": 792.78503, "confidence": 0.9996654, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "we", "start": 792.78503, "end": 792.945, "confidence": 0.99908483, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "have", "start": 792.945, "end": 793.105, "confidence": 0.99973077, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "direct", "start": 793.105, "end": 793.505, "confidence": 0.99976355, "punctuated_word": "direct", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "connections", "start": 793.505, "end": 793.985, "confidence": 0.9975473, "punctuated_word": "connections", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "to", "start": 793.985, "end": 794.145, "confidence": 0.9930878, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "those", "start": 794.145, "end": 794.385, "confidence": 0.9996275, "punctuated_word": "those", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "banks", "start": 794.385, "end": 794.885, "confidence": 0.9885544, "punctuated_word": "banks", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "where", "start": 795.35004, "end": 795.43, "confidence": 0.9996362, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "we", "start": 795.43, "end": 795.59, "confidence": 0.9998584, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "don't", "start": 795.59, "end": 795.75, "confidence": 0.99997777, "punctuated_word": "don't", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "need", "start": 795.75, "end": 796.07, "confidence": 0.999858, "punctuated_word": "need", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "the", "start": 796.07, "end": 796.23004, "confidence": 0.9906685, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "username", "start": 796.23004, "end": 796.63, "confidence": 0.9929904, "punctuated_word": "username", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "and", "start": 796.63, "end": 796.79004, "confidence": 0.9730708, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "password", "start": 796.79004, "end": 797.19, "confidence": 0.9996505, "punctuated_word": "password", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "to", "start": 797.19, "end": 797.43, "confidence": 0.99889827, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "access", "start": 797.43, "end": 797.75, "confidence": 0.99990714, "punctuated_word": "access", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "the", "start": 797.75, "end": 797.83, "confidence": 0.99969125, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "data", "start": 797.83, "end": 798.15, "confidence": 0.9972185, "punctuated_word": "data.", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "we", "start": 798.15, "end": 798.31, "confidence": 0.9997731, "punctuated_word": "We", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "have", "start": 798.31, "end": 798.47003, "confidence": 0.99991953, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "prenegotiated", "start": 798.47003, "end": 798.97003, "confidence": 0.9185432, "punctuated_word": "prenegotiated", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "contractual", "start": 799.35004, "end": 799.85004, "confidence": 0.98403716, "punctuated_word": "contractual", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "agreements", "start": 799.91003, "end": 800.31, "confidence": 0.99870896, "punctuated_word": "agreements", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "to", "start": 800.31, "end": 800.39, "confidence": 0.99991274, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "get", "start": 800.39, "end": 800.55005, "confidence": 0.99996126, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "that", "start": 800.55005, "end": 800.63, "confidence": 0.9995677, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "data", "start": 800.63, "end": 800.95, "confidence": 0.9996038, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "instead", "start": 800.95, "end": 801.45, "confidence": 0.9996402, "punctuated_word": "instead.", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "and", "start": 801.75, "end": 801.99, "confidence": 0.91152906, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 0.5750702 }, { "word": "are", "start": 801.99, "end": 802.23004, "confidence": 0.9988702, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.5750702 }, { "word": "those", "start": 802.23004, "end": 802.71, "confidence": 0.9943116, "punctuated_word": "those,", "speaker": 2, "speaker_confidence": 0.5750702 }, { "word": "stronger", "start": 803.03, "end": 803.35004, "confidence": 0.9999651, "punctuated_word": "stronger", "speaker": 2, "speaker_confidence": 0.5750702 }, { "word": "when", "start": 803.35004, "end": 803.59, "confidence": 0.99975246, "punctuated_word": "when", "speaker": 2, "speaker_confidence": 0.5750702 }, { "word": "it", "start": 803.59, "end": 803.67004, "confidence": 0.9965634, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.7121365 }, { "word": "turn", "start": 803.67004, "end": 803.91003, "confidence": 0.6820631, "punctuated_word": "turn", "speaker": 2, "speaker_confidence": 0.7121365 }, { "word": "comes", "start": 803.99, "end": 804.39, "confidence": 0.9955468, "punctuated_word": "comes", "speaker": 2, "speaker_confidence": 0.7121365 }, { "word": "to", "start": 804.39, "end": 804.71, "confidence": 0.99920684, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.7121365 }, { "word": "privacy", "start": 804.71, "end": 805.11005, "confidence": 0.9998103, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 0.7121365 }, { "word": "and", "start": 805.11005, "end": 805.35004, "confidence": 0.9993643, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.7121365 }, { "word": "security", "start": 805.35004, "end": 805.75, "confidence": 0.9999831, "punctuated_word": "security", "speaker": 2, "speaker_confidence": 0.7121365 }, { "word": "if", "start": 805.75, "end": 805.91003, "confidence": 0.89131534, "punctuated_word": "if", "speaker": 2, "speaker_confidence": 0.7121365 }, { "word": "it", "start": 805.91003, "end": 805.99, "confidence": 0.7667753, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.5667492 }, { "word": "you", "start": 806.07, "end": 806.23004, "confidence": 0.99484503, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.5667492 }, { "word": "have", "start": 806.23004, "end": 806.39, "confidence": 0.99979407, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 0.5667492 }, { "word": "those", "start": 806.39, "end": 806.55005, "confidence": 0.9998661, "punctuated_word": "those", "speaker": 2, "speaker_confidence": 0.5667492 }, { "word": "agreements", "start": 806.55005, "end": 807.05005, "confidence": 0.8671502, "punctuated_word": "agreements?", "speaker": 2, "speaker_confidence": 0.5667492 }, { "word": "privacy", "start": 807.11005, "end": 807.51, "confidence": 0.9990207, "punctuated_word": "Privacy", "speaker": 1, "speaker_confidence": 0.57609 }, { "word": "and", "start": 807.51, "end": 807.67004, "confidence": 0.99828833, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.57609 }, { "word": "security", "start": 807.67004, "end": 808.07, "confidence": 0.99991226, "punctuated_word": "security", "speaker": 1, "speaker_confidence": 0.57609 }, { "word": "is", "start": 808.07, "end": 808.23004, "confidence": 0.9994382, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.57609 }, { "word": "always", "start": 808.23004, "end": 808.63, "confidence": 0.9997875, "punctuated_word": "always", "speaker": 1, "speaker_confidence": 0.57609 }, { "word": "of", "start": 808.63, "end": 808.71, "confidence": 0.9749297, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.57609 }, { "word": "paramount", "start": 808.71, "end": 809.19, "confidence": 0.9990951, "punctuated_word": "paramount", "speaker": 1, "speaker_confidence": 0.57609 }, { "word": "importance", "start": 809.19, "end": 809.67004, "confidence": 0.8794527, "punctuated_word": "importance,", "speaker": 1, "speaker_confidence": 0.57609 }, { "word": "right", "start": 809.67004, "end": 809.91003, "confidence": 0.99962485, "punctuated_word": "right,", "speaker": 1, "speaker_confidence": 0.57609 }, { "word": "for", "start": 809.91003, "end": 810.07, "confidence": 0.9977901, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.36852574 }, { "word": "all", "start": 810.07, "end": 810.23004, "confidence": 0.99678373, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.36852574 }, { "word": "the", "start": 810.23004, "end": 810.345, "confidence": 0.8047921, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.36852574 }, { "word": "players", "start": 810.425, "end": 810.50494, "confidence": 0.99695134, "punctuated_word": "players", "speaker": 1, "speaker_confidence": 0.36852574 }, { "word": "in", "start": 810.50494, "end": 810.745, "confidence": 0.9944576, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.36852574 }, { "word": "this", "start": 810.745, "end": 810.82495, "confidence": 0.9829798, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "ecosystem", "start": 810.82495, "end": 811.32495, "confidence": 0.9801762, "punctuated_word": "ecosystem.", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "so", "start": 811.625, "end": 811.865, "confidence": 0.99920624, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "it's", "start": 811.865, "end": 812.26495, "confidence": 0.9974078, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "regardless", "start": 812.26495, "end": 812.665, "confidence": 0.52356654, "punctuated_word": "regardless", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "of", "start": 812.665, "end": 812.82495, "confidence": 0.9996753, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "how", "start": 812.82495, "end": 812.985, "confidence": 0.9998417, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "we", "start": 812.985, "end": 813.14496, "confidence": 0.9998142, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "get", "start": 813.14496, "end": 813.305, "confidence": 0.9336423, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "the", "start": 813.305, "end": 813.38495, "confidence": 0.9989661, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "data", "start": 813.38495, "end": 813.88495, "confidence": 0.91271585, "punctuated_word": "data,", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "those", "start": 814.185, "end": 814.425, "confidence": 0.99926776, "punctuated_word": "those", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "are", "start": 814.425, "end": 814.665, "confidence": 0.9998598, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "absolutely", "start": 814.665, "end": 815.14496, "confidence": 0.9982963, "punctuated_word": "absolutely", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "fundamental", "start": 815.14496, "end": 815.64496, "confidence": 0.99944246, "punctuated_word": "fundamental.", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "we", "start": 815.70496, "end": 815.865, "confidence": 0.99955994, "punctuated_word": "We", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "are", "start": 815.865, "end": 816.185, "confidence": 0.9996332, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "regulated", "start": 816.185, "end": 816.665, "confidence": 0.9998356, "punctuated_word": "regulated", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "and", "start": 816.665, "end": 816.82495, "confidence": 0.9994506, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "supervised", "start": 816.82495, "end": 817.305, "confidence": 0.99352974, "punctuated_word": "supervised", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "by", "start": 817.305, "end": 817.46497, "confidence": 0.9997638, "punctuated_word": "by", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "the", "start": 817.46497, "end": 817.625, "confidence": 0.99872893, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "occ", "start": 817.625, "end": 818.125, "confidence": 0.97539634, "punctuated_word": "OCC.", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "we're", "start": 818.185, "end": 818.425, "confidence": 0.99525225, "punctuated_word": "We're", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "examined", "start": 818.425, "end": 818.925, "confidence": 0.992423, "punctuated_word": "examined,", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "because", "start": 819.545, "end": 819.865, "confidence": 0.99983406, "punctuated_word": "because", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "we're", "start": 819.865, "end": 820.02496, "confidence": 0.99929374, "punctuated_word": "we're", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "a", "start": 820.02496, "end": 820.185, "confidence": 0.9979328, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "third", "start": 820.185, "end": 820.345, "confidence": 0.99953854, "punctuated_word": "third", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "party", "start": 820.345, "end": 820.665, "confidence": 0.99980885, "punctuated_word": "party", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "vendor", "start": 820.665, "end": 821.165, "confidence": 0.9998473, "punctuated_word": "vendor", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "to", "start": 821.38495, "end": 821.545, "confidence": 0.9961463, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.6330261 }, { "word": "so", "start": 821.545, "end": 821.70496, "confidence": 0.9988876, "punctuated_word": "so", "speaker": 1, "speaker_confidence": 0.6330261 }, { "word": "many", "start": 821.70496, "end": 821.94495, "confidence": 0.99948287, "punctuated_word": "many", "speaker": 1, "speaker_confidence": 0.6330261 }, { "word": "large", "start": 821.94495, "end": 822.185, "confidence": 0.999268, "punctuated_word": "large", "speaker": 1, "speaker_confidence": 0.6330261 }, { "word": "financial", "start": 822.185, "end": 822.665, "confidence": 0.9995654, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.6330261 }, { "word": "institutions", "start": 822.665, "end": 823.165, "confidence": 0.79447645, "punctuated_word": "institutions,", "speaker": 1, "speaker_confidence": 0.6330261 }, { "word": "and", "start": 823.38495, "end": 823.545, "confidence": 0.99369615, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.6330261 }, { "word": "we", "start": 823.545, "end": 823.70496, "confidence": 0.9945945, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.6330261 }, { "word": "have", "start": 823.70496, "end": 823.785, "confidence": 0.98216206, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.6330261 }, { "word": "a", "start": 823.785, "end": 823.865, "confidence": 0.9707699, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.72679234 }, { "word": "really", "start": 823.865, "end": 824.34, "confidence": 0.9506153, "punctuated_word": "really,", "speaker": 1, "speaker_confidence": 0.72679234 }, { "word": "really", "start": 824.42004, "end": 824.5, "confidence": 0.98159814, "punctuated_word": "really,", "speaker": 1, "speaker_confidence": 0.72679234 }, { "word": "really", "start": 824.5, "end": 824.82, "confidence": 0.99798477, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.72679234 }, { "word": "strong", "start": 824.82, "end": 825.32, "confidence": 0.9688834, "punctuated_word": "strong,", "speaker": 1, "speaker_confidence": 0.72679234 }, { "word": "risk", "start": 826.02, "end": 826.5, "confidence": 0.999526, "punctuated_word": "risk", "speaker": 1, "speaker_confidence": 0.72679234 }, { "word": "and", "start": 826.5, "end": 826.98004, "confidence": 0.9343842, "punctuated_word": "and,", "speaker": 1, "speaker_confidence": 0.72679234 }, { "word": "security", "start": 827.54004, "end": 828.02, "confidence": 0.9987853, "punctuated_word": "security", "speaker": 1, "speaker_confidence": 0.72679234 }, { "word": "governance", "start": 828.02, "end": 828.42004, "confidence": 0.998226, "punctuated_word": "governance", "speaker": 1, "speaker_confidence": 0.72679234 }, { "word": "program", "start": 828.42004, "end": 828.9, "confidence": 0.9991075, "punctuated_word": "program.", "speaker": 1, "speaker_confidence": 0.72679234 }, { "word": "sure", "start": 828.9, "end": 829.14, "confidence": 0.7330163, "punctuated_word": "Sure.", "speaker": 2, "speaker_confidence": 0.6788482 }, { "word": "that", "start": 829.14, "end": 829.30005, "confidence": 0.9957217, "punctuated_word": "That", "speaker": 2, "speaker_confidence": 0.6788482 }, { "word": "makes", "start": 829.30005, "end": 829.54004, "confidence": 0.9400977, "punctuated_word": "makes", "speaker": 2, "speaker_confidence": 0.6788482 }, { "word": "sense", "start": 829.54004, "end": 829.78, "confidence": 0.9990362, "punctuated_word": "sense.", "speaker": 2, "speaker_confidence": 0.6788482 }, { "word": "so", "start": 829.78, "end": 830.10004, "confidence": 0.9988839, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.6788482 }, { "word": "yodlee", "start": 830.10004, "end": 830.42004, "confidence": 0.9918818, "punctuated_word": "Yodlee", "speaker": 2, "speaker_confidence": 0.6788482 }, { "word": "has", "start": 830.42004, "end": 830.58, "confidence": 0.9952018, "punctuated_word": "has", "speaker": 2, "speaker_confidence": 0.6788482 }, { "word": "been", "start": 830.58, "end": 830.74005, "confidence": 0.99984396, "punctuated_word": "been", "speaker": 2, "speaker_confidence": 0.6788482 }, { "word": "in", "start": 830.74005, "end": 830.9, "confidence": 0.99895334, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.6788482 }, { "word": "the", "start": 830.9, "end": 830.98004, "confidence": 0.9992884, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.57982415 }, { "word": "market", "start": 830.98004, "end": 831.30005, "confidence": 0.999335, "punctuated_word": "market", "speaker": 2, "speaker_confidence": 0.57982415 }, { "word": "for", "start": 831.30005, "end": 831.46, "confidence": 0.9972402, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.57982415 }, { "word": "twenty", "start": 831.46, "end": 831.7, "confidence": 0.9971529, "punctuated_word": "twenty", "speaker": 2, "speaker_confidence": 0.57982415 }, { "word": "years", "start": 831.7, "end": 831.86005, "confidence": 0.78000647, "punctuated_word": "years,", "speaker": 2, "speaker_confidence": 0.57982415 }, { "word": "and", "start": 831.86005, "end": 832.18005, "confidence": 0.9857076, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.57982415 }, { "word": "that", "start": 832.18005, "end": 832.34, "confidence": 0.98162365, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.34709513 }, { "word": "surprised", "start": 832.34, "end": 832.74005, "confidence": 0.92632043, "punctuated_word": "surprised", "speaker": 2, "speaker_confidence": 0.34709513 }, { "word": "me", "start": 832.74005, "end": 832.9, "confidence": 0.931314, "punctuated_word": "me.", "speaker": 2, "speaker_confidence": 0.34709513 }, { "word": "that's", "start": 832.9, "end": 833.14, "confidence": 0.972974, "punctuated_word": "That's,", "speaker": 2, "speaker_confidence": 0.526803 }, { "word": "when", "start": 833.30005, "end": 833.54004, "confidence": 0.9277922, "punctuated_word": "when", "speaker": 2, "speaker_confidence": 0.526803 }, { "word": "you", "start": 833.54004, "end": 833.7, "confidence": 0.9976907, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.526803 }, { "word": "think", "start": 833.7, "end": 833.86005, "confidence": 0.9989411, "punctuated_word": "think", "speaker": 2, "speaker_confidence": 0.526803 }, { "word": "about", "start": 833.86005, "end": 834.34, "confidence": 0.9967244, "punctuated_word": "about", "speaker": 2, "speaker_confidence": 0.526803 }, { "word": "data", "start": 834.34, "end": 834.66003, "confidence": 0.99933296, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 0.526803 }, { "word": "and", "start": 834.66003, "end": 834.82, "confidence": 0.99701166, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.526803 }, { "word": "all", "start": 834.82, "end": 834.98004, "confidence": 0.9988513, "punctuated_word": "all", "speaker": 2, "speaker_confidence": 0.526803 }, { "word": "that", "start": 834.98004, "end": 835.14, "confidence": 0.9806754, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.5643119 }, { "word": "sort", "start": 835.14, "end": 835.30005, "confidence": 0.97773266, "punctuated_word": "sort", "speaker": 2, "speaker_confidence": 0.5643119 }, { "word": "of", "start": 835.30005, "end": 835.38, "confidence": 0.9808878, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.5643119 }, { "word": "stuff", "start": 835.38, "end": 835.62006, "confidence": 0.96860796, "punctuated_word": "stuff,", "speaker": 2, "speaker_confidence": 0.5643119 }, { "word": "i", "start": 835.62006, "end": 835.86005, "confidence": 0.8242428, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.5643119 }, { "word": "i", "start": 835.86005, "end": 835.94, "confidence": 0.89347816, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.5643119 }, { "word": "guess", "start": 835.94, "end": 836.26, "confidence": 0.9852363, "punctuated_word": "guess,", "speaker": 2, "speaker_confidence": 0.5643119 }, { "word": "you", "start": 836.26, "end": 836.34, "confidence": 0.99927443, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.411752 }, { "word": "know", "start": 836.34, "end": 836.58, "confidence": 0.99520016, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.411752 }, { "word": "maybe", "start": 836.58, "end": 836.74005, "confidence": 0.99945587, "punctuated_word": "maybe", "speaker": 2, "speaker_confidence": 0.411752 }, { "word": "it", "start": 836.74005, "end": 836.9, "confidence": 0.9905428, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.411752 }, { "word": "dates", "start": 836.9, "end": 837.14, "confidence": 0.99838364, "punctuated_word": "dates", "speaker": 2, "speaker_confidence": 0.411752 }, { "word": "me", "start": 837.14, "end": 837.22003, "confidence": 0.7739705, "punctuated_word": "me.", "speaker": 2, "speaker_confidence": 0.411752 }, { "word": "but", "start": 837.22003, "end": 837.38, "confidence": 0.9983798, "punctuated_word": "But", "speaker": 2, "speaker_confidence": 0.411752 }, { "word": "i", "start": 837.38, "end": 837.46, "confidence": 0.9967753, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.411752 }, { "word": "because", "start": 837.62006, "end": 837.78, "confidence": 0.98855, "punctuated_word": "because", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "i", "start": 837.78, "end": 837.86005, "confidence": 0.9808389, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "didn't", "start": 837.86005, "end": 838.18005, "confidence": 0.99941015, "punctuated_word": "didn't", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "even", "start": 838.18005, "end": 838.34, "confidence": 0.9935266, "punctuated_word": "even", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "realize", "start": 838.34, "end": 838.74005, "confidence": 0.991488, "punctuated_word": "realize", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "that", "start": 838.74005, "end": 838.9, "confidence": 0.9975273, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "was", "start": 838.9, "end": 839.06, "confidence": 0.9917882, "punctuated_word": "was", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "possible", "start": 839.06, "end": 839.505, "confidence": 0.9937848, "punctuated_word": "possible", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "for", "start": 839.505, "end": 839.665, "confidence": 0.98199445, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "twenty", "start": 839.665, "end": 839.825, "confidence": 0.9991048, "punctuated_word": "twenty", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "years", "start": 839.825, "end": 839.985, "confidence": 0.8717015, "punctuated_word": "years.", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "but", "start": 839.985, "end": 840.225, "confidence": 0.99875116, "punctuated_word": "But", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "in", "start": 840.225, "end": 840.385, "confidence": 0.6447455, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "fact", "start": 840.385, "end": 840.545, "confidence": 0.98625094, "punctuated_word": "fact,", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "it", "start": 840.545, "end": 840.705, "confidence": 0.9991732, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.35050964 }, { "word": "has", "start": 840.705, "end": 841.025, "confidence": 0.9993179, "punctuated_word": "has", "speaker": 2, "speaker_confidence": 0.35050964 }, { "word": "been", "start": 841.025, "end": 841.505, "confidence": 0.99236137, "punctuated_word": "been.", "speaker": 2, "speaker_confidence": 0.35050964 }, { "word": "what", "start": 841.505, "end": 841.665, "confidence": 0.9971987, "punctuated_word": "What", "speaker": 2, "speaker_confidence": 0.35050964 }, { "word": "have", "start": 841.665, "end": 841.905, "confidence": 0.9614424, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 0.35050964 }, { "word": "you", "start": 841.905, "end": 841.985, "confidence": 0.99951935, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.35050964 }, { "word": "seen", "start": 841.985, "end": 842.225, "confidence": 0.9985103, "punctuated_word": "seen", "speaker": 2, "speaker_confidence": 0.35050964 }, { "word": "change", "start": 842.225, "end": 842.465, "confidence": 0.9670067, "punctuated_word": "change", "speaker": 2, "speaker_confidence": 0.35050964 }, { "word": "over", "start": 842.465, "end": 842.705, "confidence": 0.7770318, "punctuated_word": "over,", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "like", "start": 842.705, "end": 843.025, "confidence": 0.9935607, "punctuated_word": "like,", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "the", "start": 843.025, "end": 843.185, "confidence": 0.86466134, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "course", "start": 843.185, "end": 843.425, "confidence": 0.9823844, "punctuated_word": "course", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "of", "start": 843.425, "end": 843.505, "confidence": 0.99850637, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "the", "start": 843.505, "end": 843.665, "confidence": 0.9971163, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "time", "start": 843.665, "end": 843.825, "confidence": 0.99972075, "punctuated_word": "time", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "that", "start": 843.825, "end": 843.985, "confidence": 0.9990808, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "you've", "start": 843.985, "end": 844.305, "confidence": 0.99877304, "punctuated_word": "you've", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "all", "start": 844.305, "end": 844.465, "confidence": 0.99930036, "punctuated_word": "all", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "been", "start": 844.465, "end": 844.625, "confidence": 0.9996879, "punctuated_word": "been", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "in", "start": 844.625, "end": 844.78503, "confidence": 0.9990502, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.34961402 }, { "word": "business", "start": 844.78503, "end": 845.025, "confidence": 0.9192866, "punctuated_word": "business?", "speaker": 2, "speaker_confidence": 0.34961402 }, { "word": "not", "start": 845.025, "end": 845.185, "confidence": 0.991265, "punctuated_word": "Not", "speaker": 2, "speaker_confidence": 0.34961402 }, { "word": "that", "start": 845.185, "end": 845.34503, "confidence": 0.99822456, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.34961402 }, { "word": "you've", "start": 845.34503, "end": 845.505, "confidence": 0.99845123, "punctuated_word": "you've", "speaker": 2, "speaker_confidence": 0.34961402 }, { "word": "been", "start": 845.505, "end": 845.585, "confidence": 0.9994892, "punctuated_word": "been", "speaker": 2, "speaker_confidence": 0.54242647 }, { "word": "with", "start": 845.585, "end": 845.745, "confidence": 0.9978671, "punctuated_word": "with", "speaker": 2, "speaker_confidence": 0.54242647 }, { "word": "them", "start": 845.745, "end": 845.985, "confidence": 0.9970751, "punctuated_word": "them", "speaker": 2, "speaker_confidence": 0.54242647 }, { "word": "the", "start": 845.985, "end": 846.145, "confidence": 0.9884524, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.54242647 }, { "word": "entire", "start": 846.145, "end": 846.385, "confidence": 0.99987566, "punctuated_word": "entire", "speaker": 2, "speaker_confidence": 0.54242647 }, { "word": "twenty", "start": 846.385, "end": 846.705, "confidence": 0.9982115, "punctuated_word": "twenty", "speaker": 2, "speaker_confidence": 0.54242647 }, { "word": "years", "start": 846.705, "end": 846.865, "confidence": 0.92292637, "punctuated_word": "years.", "speaker": 2, "speaker_confidence": 0.54242647 }, { "word": "or", "start": 846.865, "end": 846.945, "confidence": 0.28002352, "punctuated_word": "Or", "speaker": 2, "speaker_confidence": 0.46790987 }, { "word": "you", "start": 846.945, "end": 847.105, "confidence": 0.5528508, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.46790987 }, { "word": "look", "start": 847.105, "end": 847.34503, "confidence": 0.9720988, "punctuated_word": "look", "speaker": 2, "speaker_confidence": 0.46790987 }, { "word": "far", "start": 847.34503, "end": 847.585, "confidence": 0.99828726, "punctuated_word": "far", "speaker": 2, "speaker_confidence": 0.46790987 }, { "word": "too", "start": 847.585, "end": 847.745, "confidence": 0.9984963, "punctuated_word": "too", "speaker": 2, "speaker_confidence": 0.46790987 }, { "word": "young", "start": 847.745, "end": 847.985, "confidence": 0.7913069, "punctuated_word": "young,", "speaker": 2, "speaker_confidence": 0.46790987 }, { "word": "but", "start": 847.985, "end": 848.225, "confidence": 0.97365546, "punctuated_word": "but,", "speaker": 2, "speaker_confidence": 0.46790987 }, { "word": "thank", "start": 848.545, "end": 848.705, "confidence": 0.96202654, "punctuated_word": "Thank", "speaker": 2, "speaker_confidence": 0.46790987 }, { "word": "you", "start": 848.705, "end": 848.865, "confidence": 0.9986355, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.29530478 }, { "word": "so", "start": 848.865, "end": 849.025, "confidence": 0.9893907, "punctuated_word": "so", "speaker": 1, "speaker_confidence": 0.29530478 }, { "word": "much", "start": 849.025, "end": 849.265, "confidence": 0.9964541, "punctuated_word": "much.", "speaker": 1, "speaker_confidence": 0.29530478 }, { "word": "well", "start": 849.265, "end": 849.425, "confidence": 0.733837, "punctuated_word": "Well,", "speaker": 1, "speaker_confidence": 0.29530478 }, { "word": "so", "start": 849.425, "end": 849.585, "confidence": 0.90511924, "punctuated_word": "so", "speaker": 1, "speaker_confidence": 0.29530478 }, { "word": "quite", "start": 849.585, "end": 849.745, "confidence": 0.9825728, "punctuated_word": "quite", "speaker": 1, "speaker_confidence": 0.29530478 }, { "word": "a", "start": 849.745, "end": 849.825, "confidence": 0.9984289, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.29530478 }, { "word": "bit", "start": 849.825, "end": 849.985, "confidence": 0.95486945, "punctuated_word": "bit.", "speaker": 1, "speaker_confidence": 0.29530478 }, { "word": "right", "start": 849.985, "end": 850.145, "confidence": 0.99450606, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.29530478 }, { "word": "as", "start": 850.145, "end": 850.305, "confidence": 0.998161, "punctuated_word": "As", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "you", "start": 850.305, "end": 850.385, "confidence": 0.99924845, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "can", "start": 850.385, "end": 850.545, "confidence": 0.9966354, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "imagine", "start": 850.545, "end": 850.865, "confidence": 0.81181496, "punctuated_word": "imagine,", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "over", "start": 850.865, "end": 851.105, "confidence": 0.9790262, "punctuated_word": "over", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "twenty", "start": 851.105, "end": 851.34503, "confidence": 0.9886092, "punctuated_word": "twenty", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "years", "start": 851.34503, "end": 851.58, "confidence": 0.93970764, "punctuated_word": "years,", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "there's", "start": 851.58, "end": 851.82, "confidence": 0.9844873, "punctuated_word": "there's", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "been", "start": 851.82, "end": 851.98004, "confidence": 0.99973613, "punctuated_word": "been", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "this", "start": 851.98004, "end": 852.22003, "confidence": 0.99904174, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "explosion", "start": 852.22003, "end": 852.72003, "confidence": 0.9999074, "punctuated_word": "explosion", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "within", "start": 852.78, "end": 853.10004, "confidence": 0.99989927, "punctuated_word": "within", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "the", "start": 853.10004, "end": 853.26, "confidence": 0.99969923, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "financial", "start": 853.26, "end": 853.66003, "confidence": 0.99969983, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "technology", "start": 853.66003, "end": 854.14, "confidence": 0.9988016, "punctuated_word": "technology", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "sector", "start": 854.14, "end": 854.64, "confidence": 0.9971169, "punctuated_word": "sector.", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "so", "start": 855.66003, "end": 855.82, "confidence": 0.9932255, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "what's", "start": 855.82, "end": 856.14, "confidence": 0.9996656, "punctuated_word": "what's", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "changed", "start": 856.14, "end": 856.54004, "confidence": 0.9992092, "punctuated_word": "changed", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "is", "start": 856.54004, "end": 856.78, "confidence": 0.9994247, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "the", "start": 856.78, "end": 857.02, "confidence": 0.9989773, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "immense", "start": 857.02, "end": 857.5, "confidence": 0.9996675, "punctuated_word": "immense", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "number", "start": 857.5, "end": 857.9, "confidence": 0.9998785, "punctuated_word": "number", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "of", "start": 857.9, "end": 858.22003, "confidence": 0.99992955, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "offerings", "start": 858.22003, "end": 858.7, "confidence": 0.99950755, "punctuated_word": "offerings", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "of", "start": 858.7, "end": 858.86005, "confidence": 0.93365186, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "products", "start": 858.86005, "end": 859.10004, "confidence": 0.99785477, "punctuated_word": "products", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "and", "start": 859.10004, "end": 859.34, "confidence": 0.9995865, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "services", "start": 859.34, "end": 859.74, "confidence": 0.99996316, "punctuated_word": "services", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "from", "start": 859.74, "end": 859.98004, "confidence": 0.99985564, "punctuated_word": "from", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "technology", "start": 859.98004, "end": 860.48004, "confidence": 0.9999143, "punctuated_word": "technology", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "companies", "start": 860.54004, "end": 861.02, "confidence": 0.9999323, "punctuated_word": "companies", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "in", "start": 861.02, "end": 861.18, "confidence": 0.99957806, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "the", "start": 861.18, "end": 861.26, "confidence": 0.9998271, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.59492624 }, { "word": "financial", "start": 861.26, "end": 861.74, "confidence": 0.99993205, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.59492624 }, { "word": "world", "start": 861.74, "end": 862.24, "confidence": 0.99937814, "punctuated_word": "world.", "speaker": 1, "speaker_confidence": 0.59492624 }, { "word": "as", "start": 862.94, "end": 863.26, "confidence": 0.9992834, "punctuated_word": "As", "speaker": 1, "speaker_confidence": 0.59492624 }, { "word": "that's", "start": 863.26, "end": 863.58, "confidence": 0.9996066, "punctuated_word": "that's", "speaker": 1, "speaker_confidence": 0.59492624 }, { "word": "happened", "start": 863.58, "end": 864.08, "confidence": 0.99945253, "punctuated_word": "happened,", "speaker": 1, "speaker_confidence": 0.59492624 }, { "word": "we've", "start": 864.46, "end": 864.78, "confidence": 0.9997871, "punctuated_word": "we've", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "also", "start": 864.78, "end": 865.065, "confidence": 0.9996779, "punctuated_word": "also", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "seen", "start": 865.145, "end": 865.645, "confidence": 0.9998485, "punctuated_word": "seen", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "the", "start": 865.945, "end": 866.425, "confidence": 0.9121675, "punctuated_word": "the,", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "tenor", "start": 867.705, "end": 868.105, "confidence": 0.967492, "punctuated_word": "tenor", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "and", "start": 868.105, "end": 868.34503, "confidence": 0.9987637, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "tone", "start": 868.34503, "end": 868.505, "confidence": 0.97984236, "punctuated_word": "tone", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "of", "start": 868.505, "end": 868.585, "confidence": 0.99923396, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "the", "start": 868.585, "end": 868.745, "confidence": 0.99433655, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "banks", "start": 868.745, "end": 869.065, "confidence": 0.767676, "punctuated_word": "banks", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "change", "start": 869.065, "end": 869.465, "confidence": 0.9856861, "punctuated_word": "change", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "as", "start": 869.465, "end": 869.705, "confidence": 0.99661726, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "it", "start": 869.705, "end": 869.785, "confidence": 0.9996315, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "relates", "start": 869.785, "end": 870.105, "confidence": 0.99972624, "punctuated_word": "relates", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "to", "start": 870.105, "end": 870.505, "confidence": 0.99966514, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "allowing", "start": 870.505, "end": 870.985, "confidence": 0.991202, "punctuated_word": "allowing", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "their", "start": 870.985, "end": 871.225, "confidence": 0.9995096, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "consumers", "start": 871.225, "end": 871.705, "confidence": 0.99946886, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "to", "start": 871.705, "end": 871.865, "confidence": 0.9998665, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "share", "start": 871.865, "end": 872.105, "confidence": 0.99978405, "punctuated_word": "share", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "this", "start": 872.105, "end": 872.265, "confidence": 0.9979388, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "data", "start": 872.265, "end": 872.585, "confidence": 0.9997361, "punctuated_word": "data.", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "okay", "start": 872.585, "end": 873.065, "confidence": 0.9984062, "punctuated_word": "Okay.", "speaker": 2, "speaker_confidence": 0.155352 }, { "word": "part", "start": 873.065, "end": 873.225, "confidence": 0.99960643, "punctuated_word": "Part", "speaker": 1, "speaker_confidence": 0.6226232 }, { "word": "of", "start": 873.225, "end": 873.305, "confidence": 0.99977833, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.6226232 }, { "word": "it", "start": 873.305, "end": 873.465, "confidence": 0.99976987, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.6226232 }, { "word": "is", "start": 873.465, "end": 873.785, "confidence": 0.9992374, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.6226232 }, { "word": "from", "start": 873.785, "end": 874.025, "confidence": 0.7460964, "punctuated_word": "from", "speaker": 1, "speaker_confidence": 0.6226232 }, { "word": "a", "start": 874.025, "end": 874.105, "confidence": 0.99637294, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.6226232 }, { "word": "security", "start": 874.105, "end": 874.505, "confidence": 0.99995804, "punctuated_word": "security", "speaker": 1, "speaker_confidence": 0.6226232 }, { "word": "perspective", "start": 874.505, "end": 874.905, "confidence": 0.9998779, "punctuated_word": "perspective", "speaker": 1, "speaker_confidence": 0.6226232 }, { "word": "to", "start": 874.905, "end": 874.985, "confidence": 0.844578, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.6226232 }, { "word": "the", "start": 874.985, "end": 875.145, "confidence": 0.9990721, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.2684604 }, { "word": "point", "start": 875.145, "end": 875.305, "confidence": 0.9994923, "punctuated_word": "point", "speaker": 1, "speaker_confidence": 0.2684604 }, { "word": "i", "start": 875.305, "end": 875.385, "confidence": 0.77649766, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.2684604 }, { "word": "think", "start": 875.385, "end": 875.545, "confidence": 0.9998609, "punctuated_word": "think", "speaker": 1, "speaker_confidence": 0.2684604 }, { "word": "you", "start": 875.545, "end": 875.625, "confidence": 0.9983997, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "alluded", "start": 875.625, "end": 875.865, "confidence": 0.4570137, "punctuated_word": "alluded", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "to", "start": 875.865, "end": 876.025, "confidence": 0.99783725, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "earlier", "start": 876.025, "end": 876.525, "confidence": 0.9870422, "punctuated_word": "earlier.", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "right", "start": 876.665, "end": 876.905, "confidence": 0.9932473, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "there", "start": 876.905, "end": 877.065, "confidence": 0.9996753, "punctuated_word": "There", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "are", "start": 877.065, "end": 877.465, "confidence": 0.9996873, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "legitimate", "start": 877.465, "end": 877.965, "confidence": 0.9998584, "punctuated_word": "legitimate", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "security", "start": 878.105, "end": 878.505, "confidence": 0.99994576, "punctuated_word": "security", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "concerns", "start": 878.505, "end": 878.905, "confidence": 0.99990463, "punctuated_word": "concerns", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "that", "start": 878.905, "end": 879.065, "confidence": 0.99191403, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "banks", "start": 879.065, "end": 879.385, "confidence": 0.999637, "punctuated_word": "banks", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "have", "start": 879.385, "end": 879.63, "confidence": 0.93817246, "punctuated_word": "have,", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "both", "start": 879.63, "end": 879.87, "confidence": 0.9994947, "punctuated_word": "both", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "data", "start": 879.87, "end": 880.03, "confidence": 0.99987113, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "and", "start": 880.03, "end": 880.53, "confidence": 0.9979753, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "cybersecurity", "start": 880.59, "end": 881.09, "confidence": 0.8628682, "punctuated_word": "cybersecurity,", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "about", "start": 881.15, "end": 881.47003, "confidence": 0.99970275, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "allowing", "start": 881.47003, "end": 881.87, "confidence": 0.9998578, "punctuated_word": "allowing", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "these", "start": 881.87, "end": 882.19, "confidence": 0.99708813, "punctuated_word": "these", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "third", "start": 882.19, "end": 882.35, "confidence": 0.9998728, "punctuated_word": "third", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "party", "start": 882.35, "end": 882.59, "confidence": 0.9998772, "punctuated_word": "party", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "tools", "start": 882.59, "end": 883.09, "confidence": 0.9995789, "punctuated_word": "tools", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "to", "start": 883.39, "end": 883.63, "confidence": 0.9991435, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "leverage", "start": 883.63, "end": 884.11, "confidence": 0.9999107, "punctuated_word": "leverage", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "consumers'", "start": 884.11, "end": 884.59, "confidence": 0.9560192, "punctuated_word": "consumers'", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "data", "start": 884.59, "end": 884.99, "confidence": 0.9999833, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "to", "start": 884.99, "end": 885.23, "confidence": 0.99116534, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "provide", "start": 885.23, "end": 885.63, "confidence": 0.999795, "punctuated_word": "provide", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "benefits", "start": 885.63, "end": 886.03, "confidence": 0.9995127, "punctuated_word": "benefits", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "to", "start": 886.03, "end": 886.11, "confidence": 0.98549557, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.56591177 }, { "word": "them", "start": 886.11, "end": 886.61, "confidence": 0.9776893, "punctuated_word": "them.", "speaker": 1, "speaker_confidence": 0.56591177 }, { "word": "but", "start": 886.75, "end": 886.91003, "confidence": 0.9948219, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 0.56591177 }, { "word": "part", "start": 886.91003, "end": 887.07, "confidence": 0.9998839, "punctuated_word": "part", "speaker": 1, "speaker_confidence": 0.56591177 }, { "word": "of", "start": 887.07, "end": 887.15, "confidence": 0.99990046, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.56591177 }, { "word": "it", "start": 887.15, "end": 887.39, "confidence": 0.94904804, "punctuated_word": "it,", "speaker": 1, "speaker_confidence": 0.56591177 }, { "word": "frankly", "start": 887.39, "end": 887.71, "confidence": 0.9996368, "punctuated_word": "frankly,", "speaker": 1, "speaker_confidence": 0.56591177 }, { "word": "is", "start": 887.71, "end": 887.87, "confidence": 0.9741832, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.56591177 }, { "word": "just", "start": 887.87, "end": 888.11, "confidence": 0.999819, "punctuated_word": "just", "speaker": 1, "speaker_confidence": 0.56591177 }, { "word": "competition", "start": 888.11, "end": 888.61, "confidence": 0.9995928, "punctuated_word": "competition.", "speaker": 1, "speaker_confidence": 0.56591177 }, { "word": "right", "start": 888.91003, "end": 889.07, "confidence": 0.99934506, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "so", "start": 889.07, "end": 889.23, "confidence": 0.9998826, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "in", "start": 889.23, "end": 889.39, "confidence": 0.9846721, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "many", "start": 889.39, "end": 889.63, "confidence": 0.99980885, "punctuated_word": "many", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "cases", "start": 889.63, "end": 890.11, "confidence": 0.9994844, "punctuated_word": "cases,", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "fintech", "start": 890.11, "end": 890.51, "confidence": 0.98363495, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "firms", "start": 890.51, "end": 890.91003, "confidence": 0.99989676, "punctuated_word": "firms", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "are", "start": 890.91003, "end": 890.99, "confidence": 0.9998211, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "competing", "start": 890.99, "end": 891.47003, "confidence": 0.9999536, "punctuated_word": "competing", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "directly", "start": 891.47003, "end": 891.885, "confidence": 0.9997888, "punctuated_word": "directly", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "against", "start": 891.885, "end": 892.365, "confidence": 0.9999536, "punctuated_word": "against", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "traditional", "start": 892.365, "end": 892.765, "confidence": 0.9996778, "punctuated_word": "traditional", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "banks", "start": 892.765, "end": 893.265, "confidence": 0.99987864, "punctuated_word": "banks", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "to", "start": 893.325, "end": 893.485, "confidence": 0.97207433, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "offer", "start": 893.485, "end": 893.805, "confidence": 0.99948716, "punctuated_word": "offer", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "the", "start": 893.805, "end": 893.965, "confidence": 0.9994375, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "same", "start": 893.965, "end": 894.205, "confidence": 0.99994385, "punctuated_word": "same", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "types", "start": 894.205, "end": 894.445, "confidence": 0.99969184, "punctuated_word": "types", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "of", "start": 894.445, "end": 894.525, "confidence": 0.99966514, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "products", "start": 894.525, "end": 894.765, "confidence": 0.9989759, "punctuated_word": "products", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "and", "start": 894.765, "end": 894.925, "confidence": 0.9993228, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "services", "start": 894.925, "end": 895.325, "confidence": 0.9999149, "punctuated_word": "services", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "that", "start": 895.325, "end": 895.485, "confidence": 0.58026516, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "banks", "start": 895.485, "end": 895.805, "confidence": 0.9329027, "punctuated_word": "banks", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "historically", "start": 895.805, "end": 896.125, "confidence": 0.96957815, "punctuated_word": "historically", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "have", "start": 896.125, "end": 896.28503, "confidence": 0.97604203, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "provided", "start": 896.28503, "end": 896.685, "confidence": 0.9998091, "punctuated_word": "provided", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "for", "start": 896.685, "end": 896.84503, "confidence": 0.9993272, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "centuries", "start": 896.84503, "end": 897.34503, "confidence": 0.98983014, "punctuated_word": "centuries.", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "and", "start": 897.72504, "end": 897.805, "confidence": 0.78489685, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "so", "start": 897.805, "end": 897.885, "confidence": 0.8380344, "punctuated_word": "so", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "some", "start": 898.205, "end": 898.365, "confidence": 0.65166825, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "of", "start": 898.365, "end": 898.445, "confidence": 0.99733293, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "these", "start": 898.445, "end": 898.605, "confidence": 0.9990189, "punctuated_word": "these", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "products", "start": 898.605, "end": 898.925, "confidence": 0.99926716, "punctuated_word": "products", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "and", "start": 898.925, "end": 899.085, "confidence": 0.99951375, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "services", "start": 899.085, "end": 899.565, "confidence": 0.9994091, "punctuated_word": "services", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "just", "start": 899.565, "end": 899.805, "confidence": 0.8347591, "punctuated_word": "just", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "for", "start": 899.805, "end": 900.125, "confidence": 0.9404255, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "people", "start": 900.125, "end": 900.365, "confidence": 0.5535244, "punctuated_word": "people?", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "everything", "start": 900.365, "end": 900.765, "confidence": 0.85393, "punctuated_word": "Everything.", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "right", "start": 900.765, "end": 901.085, "confidence": 0.96900225, "punctuated_word": "Right?", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "so", "start": 901.085, "end": 901.325, "confidence": 0.9918296, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "it", "start": 901.325, "end": 901.485, "confidence": 0.99837863, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "it", "start": 901.485, "end": 901.645, "confidence": 0.9678959, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "ranges", "start": 901.645, "end": 902.125, "confidence": 0.9979456, "punctuated_word": "ranges", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "from", "start": 902.125, "end": 902.445, "confidence": 0.99981886, "punctuated_word": "from", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "personal", "start": 902.445, "end": 902.765, "confidence": 0.9999186, "punctuated_word": "personal", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "financial", "start": 902.765, "end": 903.16504, "confidence": 0.99724495, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "management", "start": 903.16504, "end": 903.645, "confidence": 0.9998684, "punctuated_word": "management", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "tools", "start": 903.645, "end": 904.11, "confidence": 0.9926965, "punctuated_word": "tools.", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "so", "start": 904.26996, "end": 904.43, "confidence": 0.9955906, "punctuated_word": "So,", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "you", "start": 904.43, "end": 904.51, "confidence": 0.9992126, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "know", "start": 904.51, "end": 904.58997, "confidence": 0.9997016, "punctuated_word": "know,", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "you", "start": 904.58997, "end": 904.82996, "confidence": 0.9991314, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "go", "start": 904.82996, "end": 904.99, "confidence": 0.97408617, "punctuated_word": "go", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "along", "start": 904.99, "end": 905.14996, "confidence": 0.64267135, "punctuated_word": "along,", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "you", "start": 905.14996, "end": 905.31, "confidence": 0.8916895, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "see", "start": 905.31, "end": 905.47, "confidence": 0.9910419, "punctuated_word": "see", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "a", "start": 905.47, "end": 905.55, "confidence": 0.99798346, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "dashboard", "start": 905.55, "end": 905.95, "confidence": 0.999933, "punctuated_word": "dashboard", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "of", "start": 905.95, "end": 906.02997, "confidence": 0.99855083, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "all", "start": 906.02997, "end": 906.26996, "confidence": 0.9998609, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "15", "start": 906.26996, "end": 906.58997, "confidence": 0.99867344, "punctuated_word": "15", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "of", "start": 906.58997, "end": 906.67, "confidence": 0.9993537, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "your", "start": 906.67, "end": 906.82996, "confidence": 0.99972934, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "accounts", "start": 906.82996, "end": 907.14996, "confidence": 0.99515015, "punctuated_word": "accounts", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "in", "start": 907.14996, "end": 907.31, "confidence": 0.99641514, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "one", "start": 907.31, "end": 907.55, "confidence": 0.99965465, "punctuated_word": "one", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "place", "start": 907.55, "end": 907.87, "confidence": 0.76864433, "punctuated_word": "place.", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "your", "start": 907.87, "end": 908.11, "confidence": 0.9988601, "punctuated_word": "Your", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "entire", "start": 908.11, "end": 908.51, "confidence": 0.99998605, "punctuated_word": "entire", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "financial", "start": 908.51, "end": 908.91, "confidence": 0.99947447, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "life", "start": 908.91, "end": 909.14996, "confidence": 0.9993623, "punctuated_word": "life", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "is", "start": 909.14996, "end": 909.23, "confidence": 0.9998573, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "there", "start": 909.23, "end": 909.73, "confidence": 0.8319148, "punctuated_word": "there.", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "to", "start": 910.11, "end": 910.58997, "confidence": 0.9876543, "punctuated_word": "To,", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "credit", "start": 911.07, "end": 911.39, "confidence": 0.9996057, "punctuated_word": "credit", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "and", "start": 911.39, "end": 911.63, "confidence": 0.9991019, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "lending", "start": 911.63, "end": 911.95, "confidence": 0.9992416, "punctuated_word": "lending", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "products", "start": 911.95, "end": 912.26996, "confidence": 0.9889617, "punctuated_word": "products.", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "right", "start": 912.26996, "end": 912.51, "confidence": 0.99761796, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "think", "start": 912.51, "end": 912.75, "confidence": 0.9975535, "punctuated_word": "Think", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "about", "start": 912.75, "end": 912.91, "confidence": 0.99987614, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "your", "start": 912.91, "end": 913.07, "confidence": 0.99424994, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "marketplace", "start": 913.07, "end": 913.57, "confidence": 0.9814212, "punctuated_word": "marketplace", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "lenders", "start": 913.63, "end": 914.11, "confidence": 0.9953537, "punctuated_word": "lenders", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "or", "start": 914.11, "end": 914.61, "confidence": 0.9682293, "punctuated_word": "or,", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "our", "start": 915.39, "end": 915.55, "confidence": 0.49043775, "punctuated_word": "our", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "firms", "start": 915.55, "end": 915.87, "confidence": 0.9870144, "punctuated_word": "firms", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "like", "start": 915.87, "end": 916.11, "confidence": 0.8964186, "punctuated_word": "like", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "kabbage", "start": 916.11, "end": 916.51, "confidence": 0.9130428, "punctuated_word": "Kabbage", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "for", "start": 916.51, "end": 916.67, "confidence": 0.94800127, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "small", "start": 916.67, "end": 916.91, "confidence": 0.9978346, "punctuated_word": "small", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "businesses", "start": 916.91, "end": 917.31, "confidence": 0.9987966, "punctuated_word": "businesses", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "and", "start": 917.31, "end": 917.55, "confidence": 0.98504084, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "getting", "start": 917.55, "end": 917.79, "confidence": 0.9997048, "punctuated_word": "getting", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "credit", "start": 917.79, "end": 918.11, "confidence": 0.99968505, "punctuated_word": "credit", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "for", "start": 918.11, "end": 918.26996, "confidence": 0.99931943, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "them", "start": 918.26996, "end": 918.76996, "confidence": 0.747241, "punctuated_word": "them.", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "to", "start": 919.19495, "end": 919.435, "confidence": 0.9913298, "punctuated_word": "To", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "there", "start": 919.51495, "end": 919.675, "confidence": 0.98864925, "punctuated_word": "there", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "are", "start": 919.675, "end": 919.75494, "confidence": 0.9423826, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "even", "start": 919.75494, "end": 920.07495, "confidence": 0.9998375, "punctuated_word": "even", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "applications", "start": 920.07495, "end": 920.555, "confidence": 0.99966455, "punctuated_word": "applications", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "now", "start": 920.555, "end": 920.875, "confidence": 0.9998511, "punctuated_word": "now", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "that", "start": 920.875, "end": 920.95496, "confidence": 0.9997435, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "can", "start": 920.95496, "end": 921.19495, "confidence": 0.99975103, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "help", "start": 921.19495, "end": 921.355, "confidence": 0.9998741, "punctuated_word": "help", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "you", "start": 921.355, "end": 921.675, "confidence": 0.9774779, "punctuated_word": "you,", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "mediate", "start": 922.07495, "end": 922.39496, "confidence": 0.99492455, "punctuated_word": "mediate", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "your", "start": 922.39496, "end": 922.555, "confidence": 0.999037, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "way", "start": 922.555, "end": 922.71497, "confidence": 0.9993197, "punctuated_word": "way", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "through", "start": 922.71497, "end": 922.95496, "confidence": 0.9995695, "punctuated_word": "through", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "a", "start": 922.95496, "end": 923.035, "confidence": 0.90519416, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "divorce", "start": 923.035, "end": 923.51495, "confidence": 0.9975612, "punctuated_word": "divorce.", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "so", "start": 923.51495, "end": 923.675, "confidence": 0.99978393, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.4963197 }, { "word": "if", "start": 923.675, "end": 923.755, "confidence": 0.99976534, "punctuated_word": "if", "speaker": 1, "speaker_confidence": 0.4963197 }, { "word": "you", "start": 923.755, "end": 923.83496, "confidence": 0.9999455, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.4963197 }, { "word": "can", "start": 923.83496, "end": 924.07495, "confidence": 0.99970514, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.4963197 }, { "word": "aggregate", "start": 924.07495, "end": 924.475, "confidence": 0.9981767, "punctuated_word": "aggregate", "speaker": 1, "speaker_confidence": 0.4963197 }, { "word": "all", "start": 924.475, "end": 924.555, "confidence": 0.9997453, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.4963197 }, { "word": "of", "start": 924.555, "end": 924.63495, "confidence": 0.9995328, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.53956276 }, { "word": "your", "start": 924.63495, "end": 924.875, "confidence": 0.9998745, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.53956276 }, { "word": "finances", "start": 924.875, "end": 925.27496, "confidence": 0.9985089, "punctuated_word": "finances", "speaker": 1, "speaker_confidence": 0.53956276 }, { "word": "in", "start": 925.27496, "end": 925.435, "confidence": 0.993891, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.53956276 }, { "word": "one", "start": 925.435, "end": 925.595, "confidence": 0.9997292, "punctuated_word": "one", "speaker": 1, "speaker_confidence": 0.53956276 }, { "word": "place", "start": 925.595, "end": 925.83496, "confidence": 0.99021864, "punctuated_word": "place,", "speaker": 1, "speaker_confidence": 0.53956276 }, { "word": "you", "start": 925.83496, "end": 925.915, "confidence": 0.8896625, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.20273995 }, { "word": "can", "start": 925.915, "end": 926.07495, "confidence": 0.99942017, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.20273995 }, { "word": "all", "start": 926.07495, "end": 926.235, "confidence": 0.9939074, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.20273995 }, { "word": "see", "start": 926.235, "end": 926.315, "confidence": 0.996912, "punctuated_word": "see", "speaker": 1, "speaker_confidence": 0.20273995 }, { "word": "it", "start": 926.315, "end": 926.39496, "confidence": 0.95520943, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.20273995 }, { "word": "in", "start": 926.39496, "end": 926.475, "confidence": 0.8176598, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "one", "start": 926.475, "end": 926.63495, "confidence": 0.99778277, "punctuated_word": "one", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "place", "start": 926.63495, "end": 926.795, "confidence": 0.9622185, "punctuated_word": "place,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 926.795, "end": 926.875, "confidence": 0.9957502, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "then", "start": 926.875, "end": 927.035, "confidence": 0.99978966, "punctuated_word": "then", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "you", "start": 927.035, "end": 927.115, "confidence": 0.99952507, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "can", "start": 927.115, "end": 927.27496, "confidence": 0.9976343, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "decide", "start": 927.27496, "end": 927.77496, "confidence": 0.99993765, "punctuated_word": "decide", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "how", "start": 927.915, "end": 928.07495, "confidence": 0.9983308, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 928.07495, "end": 928.235, "confidence": 0.9957211, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "divide", "start": 928.235, "end": 928.475, "confidence": 0.49655402, "punctuated_word": "divide", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "up", "start": 928.475, "end": 928.71497, "confidence": 0.7975011, "punctuated_word": "up.", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "there", "start": 928.71497, "end": 928.875, "confidence": 0.9995857, "punctuated_word": "There", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "are", "start": 928.875, "end": 929.035, "confidence": 0.9993074, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "literally", "start": 929.035, "end": 929.51495, "confidence": 0.99656713, "punctuated_word": "literally", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "thousands", "start": 929.51495, "end": 929.915, "confidence": 0.99896395, "punctuated_word": "thousands", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 929.915, "end": 930.07495, "confidence": 0.9967223, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "thousands", "start": 930.07495, "end": 930.39496, "confidence": 0.9946637, "punctuated_word": "thousands", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 930.39496, "end": 930.555, "confidence": 0.9954698, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "thousands", "start": 930.555, "end": 930.875, "confidence": 0.9970878, "punctuated_word": "thousands", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "of", "start": 930.875, "end": 931.035, "confidence": 0.9995295, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "applications", "start": 931.035, "end": 931.535, "confidence": 0.9996732, "punctuated_word": "applications.", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 931.995, "end": 932.15497, "confidence": 0.99974483, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "beauty", "start": 932.15497, "end": 932.475, "confidence": 0.99997926, "punctuated_word": "beauty", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "is", "start": 932.475, "end": 932.88, "confidence": 0.99976665, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "it's", "start": 933.36, "end": 933.6, "confidence": 0.9996427, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "up", "start": 933.6, "end": 933.76, "confidence": 0.99996173, "punctuated_word": "up", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 933.76, "end": 933.92, "confidence": 0.99974483, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 933.92, "end": 934.08, "confidence": 0.9993894, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "consumer", "start": 934.08, "end": 934.48, "confidence": 0.9997843, "punctuated_word": "consumer", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 934.48, "end": 934.56, "confidence": 0.9939737, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "decide", "start": 934.56, "end": 934.96, "confidence": 0.9999248, "punctuated_word": "decide", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "which", "start": 934.96, "end": 935.28, "confidence": 0.98905456, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "they", "start": 935.28, "end": 935.52, "confidence": 0.99946016, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "want", "start": 935.52, "end": 935.68, "confidence": 0.99972934, "punctuated_word": "want", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 935.68, "end": 935.84, "confidence": 0.9994708, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "use", "start": 935.84, "end": 936.34, "confidence": 0.871578, "punctuated_word": "use,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 936.56, "end": 936.88, "confidence": 0.9991736, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "their", "start": 936.88, "end": 937.12, "confidence": 0.99587893, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "data", "start": 937.12, "end": 937.36, "confidence": 0.99996126, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "only", "start": 937.36, "end": 937.68, "confidence": 0.9999192, "punctuated_word": "only", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "comes", "start": 937.68, "end": 937.84, "confidence": 0.9998184, "punctuated_word": "comes", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "in", "start": 937.84, "end": 938.24, "confidence": 0.9993825, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "once", "start": 938.24, "end": 938.56, "confidence": 0.9892078, "punctuated_word": "once", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "they've", "start": 938.56, "end": 938.88, "confidence": 0.9983989, "punctuated_word": "they've", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "said", "start": 938.88, "end": 939.12, "confidence": 0.99247926, "punctuated_word": "said,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "yep", "start": 939.12, "end": 939.36, "confidence": 0.95485306, "punctuated_word": "yep.", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "i'm", "start": 939.36, "end": 939.52, "confidence": 0.99992204, "punctuated_word": "I'm", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "gonna", "start": 939.52, "end": 939.76, "confidence": 0.99412435, "punctuated_word": "gonna", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "log", "start": 939.76, "end": 940.0, "confidence": 0.99861026, "punctuated_word": "log", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "on", "start": 940.0, "end": 940.16003, "confidence": 0.9662025, "punctuated_word": "on", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 940.16003, "end": 940.4, "confidence": 0.9647902, "punctuated_word": "to,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "let's", "start": 940.4, "end": 940.8, "confidence": 0.99930686, "punctuated_word": "let's", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "say", "start": 940.8, "end": 941.28, "confidence": 0.9819881, "punctuated_word": "say,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "personal", "start": 941.28, "end": 941.6, "confidence": 0.7520376, "punctuated_word": "Personal", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "capital", "start": 941.6, "end": 942.1, "confidence": 0.99945456, "punctuated_word": "Capital", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "or", "start": 942.72003, "end": 942.88, "confidence": 0.6653778, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "betterment", "start": 942.88, "end": 943.38, "confidence": 0.9910148, "punctuated_word": "Betterment.", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "i", "start": 943.68, "end": 943.84, "confidence": 0.999723, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "wanna", "start": 943.84, "end": 944.08, "confidence": 0.99330306, "punctuated_word": "wanna", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "use", "start": 944.08, "end": 944.32, "confidence": 0.9991279, "punctuated_word": "use", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "this", "start": 944.32, "end": 944.56, "confidence": 0.9998591, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "tool", "start": 944.56, "end": 944.88, "confidence": 0.9294152, "punctuated_word": "tool,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 944.88, "end": 945.12, "confidence": 0.9997532, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "only", "start": 945.12, "end": 945.36, "confidence": 0.99946195, "punctuated_word": "only", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "then", "start": 945.36, "end": 945.6, "confidence": 0.9996586, "punctuated_word": "then", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "will", "start": 945.6, "end": 945.84, "confidence": 0.9926059, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 945.84, "end": 945.92, "confidence": 0.9981711, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "connection", "start": 945.92, "end": 946.32, "confidence": 0.99967396, "punctuated_word": "connection", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 946.32, "end": 946.48, "confidence": 0.99970514, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "their", "start": 946.48, "end": 946.72003, "confidence": 0.9998374, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "financial", "start": 946.72003, "end": 947.12, "confidence": 0.9995722, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "accounts", "start": 947.12, "end": 947.52, "confidence": 0.9992767, "punctuated_word": "accounts", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "be", "start": 947.52, "end": 947.68, "confidence": 0.99765706, "punctuated_word": "be", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "made", "start": 947.68, "end": 947.84, "confidence": 0.999749, "punctuated_word": "made", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "once", "start": 947.84, "end": 948.08, "confidence": 0.99762934, "punctuated_word": "once", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "they", "start": 948.08, "end": 948.195, "confidence": 0.983004, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "input", "start": 948.195, "end": 948.435, "confidence": 0.9961939, "punctuated_word": "input", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 948.435, "end": 948.59503, "confidence": 0.99862456, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "information", "start": 948.59503, "end": 949.09503, "confidence": 0.99811643, "punctuated_word": "information.", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "okay", "start": 949.47504, "end": 949.795, "confidence": 0.9989946, "punctuated_word": "Okay.", "speaker": 2, "speaker_confidence": 0.46493644 }, { "word": "yeah", "start": 949.795, "end": 949.91504, "confidence": 0.9935831, "punctuated_word": "Yeah.", "speaker": 2, "speaker_confidence": 0.46493644 }, { "word": "i", "start": 949.91504, "end": 950.03503, "confidence": 0.6007356, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.46493644 }, { "word": "know", "start": 950.03503, "end": 950.195, "confidence": 0.89983904, "punctuated_word": "know.", "speaker": 2, "speaker_confidence": 0.46493644 }, { "word": "as", "start": 950.195, "end": 950.355, "confidence": 0.9953544, "punctuated_word": "As", "speaker": 2, "speaker_confidence": 0.46493644 }, { "word": "you're", "start": 950.355, "end": 950.515, "confidence": 0.9933914, "punctuated_word": "you're", "speaker": 2, "speaker_confidence": 0.46493644 }, { "word": "talking", "start": 950.515, "end": 950.755, "confidence": 0.9995308, "punctuated_word": "talking", "speaker": 2, "speaker_confidence": 0.46493644 }, { "word": "through", "start": 950.755, "end": 950.835, "confidence": 0.72489774, "punctuated_word": "through", "speaker": 2, "speaker_confidence": 0.41307223 }, { "word": "that", "start": 950.835, "end": 950.995, "confidence": 0.97949266, "punctuated_word": "that,", "speaker": 2, "speaker_confidence": 0.41307223 }, { "word": "i'm", "start": 950.995, "end": 951.155, "confidence": 0.99815464, "punctuated_word": "I'm", "speaker": 2, "speaker_confidence": 0.41307223 }, { "word": "like", "start": 951.155, "end": 951.315, "confidence": 0.92795503, "punctuated_word": "like,", "speaker": 2, "speaker_confidence": 0.41307223 }, { "word": "gosh", "start": 951.315, "end": 951.47504, "confidence": 0.9604593, "punctuated_word": "gosh.", "speaker": 2, "speaker_confidence": 0.41307223 }, { "word": "i", "start": 951.47504, "end": 951.635, "confidence": 0.99912566, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.41307223 }, { "word": "really", "start": 951.635, "end": 951.875, "confidence": 0.9991391, "punctuated_word": "really", "speaker": 2, "speaker_confidence": 0.41307223 }, { "word": "need", "start": 951.875, "end": 951.955, "confidence": 0.9986743, "punctuated_word": "need", "speaker": 2, "speaker_confidence": 0.41307223 }, { "word": "to", "start": 951.955, "end": 952.03503, "confidence": 0.9985007, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.41770703 }, { "word": "get", "start": 952.03503, "end": 952.195, "confidence": 0.99305576, "punctuated_word": "get", "speaker": 2, "speaker_confidence": 0.41770703 }, { "word": "my", "start": 952.195, "end": 952.355, "confidence": 0.9975138, "punctuated_word": "my", "speaker": 2, "speaker_confidence": 0.41770703 }, { "word": "finances", "start": 952.355, "end": 952.835, "confidence": 0.9981846, "punctuated_word": "finances", "speaker": 2, "speaker_confidence": 0.41770703 }, { "word": "in", "start": 952.835, "end": 952.995, "confidence": 0.9961468, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.41770703 }, { "word": "order", "start": 952.995, "end": 953.075, "confidence": 0.8303274, "punctuated_word": "order.", "speaker": 2, "speaker_confidence": 0.41770703 }, { "word": "and", "start": 953.075, "end": 953.155, "confidence": 0.3572394, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 0.41770703 }, { "word": "it", "start": 953.155, "end": 953.235, "confidence": 0.8121665, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.41770703 }, { "word": "would", "start": 953.235, "end": 953.635, "confidence": 0.82383245, "punctuated_word": "would", "speaker": 1, "speaker_confidence": 0.20857215 }, { "word": "be", "start": 953.635, "end": 953.795, "confidence": 0.92741156, "punctuated_word": "be", "speaker": 1, "speaker_confidence": 0.20857215 }, { "word": "great", "start": 953.795, "end": 954.115, "confidence": 0.94764775, "punctuated_word": "great", "speaker": 1, "speaker_confidence": 0.20857215 }, { "word": "to", "start": 954.115, "end": 954.195, "confidence": 0.6890321, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.20857215 }, { "word": "talk", "start": 954.195, "end": 954.355, "confidence": 0.91731066, "punctuated_word": "talk", "speaker": 1, "speaker_confidence": 0.20857215 }, { "word": "after", "start": 954.355, "end": 954.675, "confidence": 0.83329415, "punctuated_word": "after", "speaker": 1, "speaker_confidence": 0.20857215 }, { "word": "one", "start": 954.675, "end": 954.995, "confidence": 0.61533254, "punctuated_word": "one", "speaker": 2, "speaker_confidence": 0.34831214 }, { "word": "one", "start": 954.995, "end": 955.155, "confidence": 0.98747396, "punctuated_word": "one", "speaker": 2, "speaker_confidence": 0.34831214 }, { "word": "platform", "start": 955.155, "end": 955.655, "confidence": 0.9990159, "punctuated_word": "platform", "speaker": 2, "speaker_confidence": 0.34831214 }, { "word": "that", "start": 955.715, "end": 955.875, "confidence": 0.9943771, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.34831214 }, { "word": "would", "start": 955.875, "end": 956.115, "confidence": 0.99653745, "punctuated_word": "would", "speaker": 2, "speaker_confidence": 0.34831214 }, { "word": "help", "start": 956.115, "end": 956.275, "confidence": 0.9988048, "punctuated_word": "help", "speaker": 2, "speaker_confidence": 0.34831214 }, { "word": "me", "start": 956.275, "end": 956.355, "confidence": 0.99921143, "punctuated_word": "me", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "out", "start": 956.355, "end": 956.59503, "confidence": 0.8444905, "punctuated_word": "out.", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "so", "start": 956.59503, "end": 956.995, "confidence": 0.9975683, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "i'll", "start": 956.995, "end": 957.155, "confidence": 0.9969554, "punctuated_word": "I'll", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "i'll", "start": 957.155, "end": 957.235, "confidence": 0.857028, "punctuated_word": "I'll", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "ask", "start": 957.235, "end": 957.395, "confidence": 0.9969946, "punctuated_word": "ask", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "you", "start": 957.395, "end": 957.555, "confidence": 0.9965288, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "for", "start": 957.555, "end": 957.715, "confidence": 0.99729556, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "advice", "start": 957.715, "end": 958.115, "confidence": 0.9566145, "punctuated_word": "advice", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "on", "start": 958.115, "end": 958.195, "confidence": 0.99645317, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "that", "start": 958.195, "end": 958.355, "confidence": 0.9989256, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "later", "start": 958.355, "end": 958.855, "confidence": 0.9994186, "punctuated_word": "later.", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "so", "start": 959.635, "end": 960.115, "confidence": 0.9803593, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "all", "start": 960.115, "end": 960.275, "confidence": 0.9917059, "punctuated_word": "all", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "this", "start": 960.275, "end": 960.515, "confidence": 0.9448481, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "data", "start": 960.515, "end": 960.755, "confidence": 0.78596723, "punctuated_word": "data,", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "i", "start": 960.755, "end": 960.835, "confidence": 0.9786316, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "mean", "start": 960.835, "end": 961.14, "confidence": 0.99522233, "punctuated_word": "mean,", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "obviously", "start": 961.22003, "end": 961.54004, "confidence": 0.9590214, "punctuated_word": "obviously,", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "financial", "start": 961.54004, "end": 961.86, "confidence": 0.9990305, "punctuated_word": "financial", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "data", "start": 961.86, "end": 962.10004, "confidence": 0.9994286, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "is", "start": 962.10004, "end": 962.26, "confidence": 0.7457918, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "some", "start": 962.26, "end": 962.42004, "confidence": 0.99870455, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "of", "start": 962.42004, "end": 962.58, "confidence": 0.9996871, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "your", "start": 962.58, "end": 962.74, "confidence": 0.9968575, "punctuated_word": "your", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "more", "start": 962.74, "end": 962.98004, "confidence": 0.9984864, "punctuated_word": "more", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "personal", "start": 962.98004, "end": 963.48004, "confidence": 0.999826, "punctuated_word": "personal", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "data", "start": 963.7, "end": 964.2, "confidence": 0.96613824, "punctuated_word": "data.", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "certainly", "start": 964.26, "end": 964.66003, "confidence": 0.96884024, "punctuated_word": "Certainly,", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "if", "start": 964.66003, "end": 964.82, "confidence": 0.999153, "punctuated_word": "if", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "there's", "start": 964.82, "end": 965.14, "confidence": 0.9865999, "punctuated_word": "there's", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "any", "start": 965.14, "end": 965.3, "confidence": 0.9994742, "punctuated_word": "any", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "sort", "start": 965.3, "end": 965.46, "confidence": 0.9915957, "punctuated_word": "sort", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "of", "start": 965.46, "end": 965.62, "confidence": 0.99129677, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "breach", "start": 965.62, "end": 965.94, "confidence": 0.99598664, "punctuated_word": "breach", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "of", "start": 965.94, "end": 966.02, "confidence": 0.9997781, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "that", "start": 966.02, "end": 966.18, "confidence": 0.99803466, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "data", "start": 966.18, "end": 966.33997, "confidence": 0.98961353, "punctuated_word": "data,", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "it", "start": 966.33997, "end": 966.5, "confidence": 0.98191583, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "could", "start": 966.5, "end": 966.74, "confidence": 0.97420007, "punctuated_word": "could", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "be", "start": 966.74, "end": 966.9, "confidence": 0.9987287, "punctuated_word": "be", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "catastrophic", "start": 966.9, "end": 967.4, "confidence": 0.999713, "punctuated_word": "catastrophic", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "for", "start": 967.54004, "end": 967.7, "confidence": 0.99967766, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "folks", "start": 967.7, "end": 968.18, "confidence": 0.9945947, "punctuated_word": "folks.", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "who's", "start": 968.18, "end": 968.5, "confidence": 0.99650204, "punctuated_word": "Who's", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "liable", "start": 968.5, "end": 968.98004, "confidence": 0.9998173, "punctuated_word": "liable", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "in", "start": 968.98004, "end": 969.14, "confidence": 0.9783756, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "this", "start": 969.14, "end": 969.3, "confidence": 0.9981408, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "case", "start": 969.3, "end": 969.62, "confidence": 0.99549747, "punctuated_word": "case?", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "is", "start": 969.62, "end": 969.7, "confidence": 0.99763894, "punctuated_word": "Is", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "it", "start": 969.7, "end": 969.94, "confidence": 0.88154525, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "the", "start": 969.94, "end": 970.10004, "confidence": 0.99334246, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "banks", "start": 970.10004, "end": 970.60004, "confidence": 0.9955437, "punctuated_word": "banks?", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "is", "start": 970.9, "end": 971.14, "confidence": 0.9993573, "punctuated_word": "Is", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "it", "start": 971.14, "end": 971.3, "confidence": 0.99016935, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "is", "start": 971.3, "end": 971.46, "confidence": 0.9963431, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "it", "start": 971.46, "end": 971.78, "confidence": 0.9981476, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "yodlee", "start": 971.78, "end": 972.28, "confidence": 0.9740804, "punctuated_word": "Yodlee?", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "is", "start": 972.42004, "end": 972.58, "confidence": 0.9977697, "punctuated_word": "Is", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "it", "start": 972.58, "end": 972.82, "confidence": 0.994315, "punctuated_word": "it,", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "you", "start": 972.82, "end": 972.9, "confidence": 0.9984433, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.5561019 }, { "word": "know", "start": 972.9, "end": 973.06, "confidence": 0.99946773, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.5561019 }, { "word": "the", "start": 973.06, "end": 973.245, "confidence": 0.9929299, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.5561019 }, { "word": "other", "start": 973.40497, "end": 973.805, "confidence": 0.9955447, "punctuated_word": "other,", "speaker": 2, "speaker_confidence": 0.5561019 }, { "word": "you", "start": 973.805, "end": 973.96497, "confidence": 0.99962926, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.5561019 }, { "word": "know", "start": 973.96497, "end": 974.285, "confidence": 0.99989283, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.5561019 }, { "word": "company", "start": 974.285, "end": 974.605, "confidence": 0.99947923, "punctuated_word": "company", "speaker": 2, "speaker_confidence": 0.5561019 }, { "word": "in", "start": 974.605, "end": 974.765, "confidence": 0.99978644, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.5561019 }, { "word": "the", "start": 974.765, "end": 974.845, "confidence": 0.99989927, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.5561019 }, { "word": "mix", "start": 974.845, "end": 975.085, "confidence": 0.99986017, "punctuated_word": "mix", "speaker": 2, "speaker_confidence": 0.55447346 }, { "word": "that's", "start": 975.085, "end": 975.245, "confidence": 0.99915314, "punctuated_word": "that's", "speaker": 2, "speaker_confidence": 0.55447346 }, { "word": "trying", "start": 975.245, "end": 975.485, "confidence": 0.99928963, "punctuated_word": "trying", "speaker": 2, "speaker_confidence": 0.55447346 }, { "word": "to", "start": 975.485, "end": 975.645, "confidence": 0.9965013, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.55447346 }, { "word": "offer", "start": 975.645, "end": 975.885, "confidence": 0.9998915, "punctuated_word": "offer", "speaker": 2, "speaker_confidence": 0.55447346 }, { "word": "a", "start": 975.885, "end": 975.96497, "confidence": 0.9680923, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.58043426 }, { "word": "service", "start": 975.96497, "end": 976.285, "confidence": 0.9957806, "punctuated_word": "service?", "speaker": 2, "speaker_confidence": 0.58043426 }, { "word": "how", "start": 976.285, "end": 976.445, "confidence": 0.9998128, "punctuated_word": "How", "speaker": 2, "speaker_confidence": 0.58043426 }, { "word": "does", "start": 976.445, "end": 976.605, "confidence": 0.9998827, "punctuated_word": "does", "speaker": 2, "speaker_confidence": 0.58043426 }, { "word": "that", "start": 976.605, "end": 976.765, "confidence": 0.9997923, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.58043426 }, { "word": "work", "start": 976.765, "end": 977.085, "confidence": 0.9995681, "punctuated_word": "work?", "speaker": 2, "speaker_confidence": 0.58043426 }, { "word": "it's", "start": 977.085, "end": 977.165, "confidence": 0.99340725, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.4153716 }, { "word": "a", "start": 977.165, "end": 977.245, "confidence": 0.9983972, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.4153716 }, { "word": "really", "start": 977.245, "end": 977.485, "confidence": 0.9998814, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.4153716 }, { "word": "complicated", "start": 977.485, "end": 977.96497, "confidence": 0.9999263, "punctuated_word": "complicated", "speaker": 1, "speaker_confidence": 0.4153716 }, { "word": "question", "start": 977.96497, "end": 978.285, "confidence": 0.9987967, "punctuated_word": "question.", "speaker": 1, "speaker_confidence": 0.4153716 }, { "word": "right", "start": 978.285, "end": 978.445, "confidence": 0.91260624, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.4153716 }, { "word": "so", "start": 978.445, "end": 978.605, "confidence": 0.99978226, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.48777747 }, { "word": "let", "start": 978.605, "end": 978.685, "confidence": 0.99940574, "punctuated_word": "let", "speaker": 1, "speaker_confidence": 0.48777747 }, { "word": "me", "start": 978.685, "end": 978.925, "confidence": 0.9995552, "punctuated_word": "me", "speaker": 1, "speaker_confidence": 0.48777747 }, { "word": "start", "start": 978.925, "end": 979.165, "confidence": 0.92830485, "punctuated_word": "start", "speaker": 1, "speaker_confidence": 0.48777747 }, { "word": "by", "start": 979.165, "end": 979.40497, "confidence": 0.9997415, "punctuated_word": "by", "speaker": 1, "speaker_confidence": 0.48777747 }, { "word": "saying", "start": 979.40497, "end": 979.565, "confidence": 0.9995617, "punctuated_word": "saying", "speaker": 1, "speaker_confidence": 0.48777747 }, { "word": "a", "start": 979.565, "end": 979.645, "confidence": 0.9991265, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "few", "start": 979.645, "end": 979.805, "confidence": 0.9999893, "punctuated_word": "few", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "things", "start": 979.805, "end": 980.305, "confidence": 0.9996288, "punctuated_word": "things.", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "as", "start": 980.525, "end": 980.765, "confidence": 0.9994435, "punctuated_word": "As", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "far", "start": 980.765, "end": 981.005, "confidence": 0.99962544, "punctuated_word": "far", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "as", "start": 981.005, "end": 981.165, "confidence": 0.9972844, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "yodlee", "start": 981.165, "end": 981.565, "confidence": 0.99871, "punctuated_word": "Yodlee", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "is", "start": 981.565, "end": 981.645, "confidence": 0.9959667, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "concerned", "start": 981.645, "end": 982.145, "confidence": 0.99946463, "punctuated_word": "concerned,", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "we", "start": 982.205, "end": 982.525, "confidence": 0.9997354, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "don't", "start": 982.525, "end": 982.845, "confidence": 0.99992937, "punctuated_word": "don't", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "have", "start": 982.845, "end": 983.245, "confidence": 0.9999294, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "or", "start": 983.245, "end": 983.485, "confidence": 0.99593145, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "collect", "start": 983.485, "end": 983.985, "confidence": 0.9998198, "punctuated_word": "collect", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "personally", "start": 984.125, "end": 984.605, "confidence": 0.52590305, "punctuated_word": "personally", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "identifiable", "start": 984.605, "end": 985.105, "confidence": 0.9989291, "punctuated_word": "identifiable", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "information", "start": 985.165, "end": 985.645, "confidence": 0.99986625, "punctuated_word": "information", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "when", "start": 985.645, "end": 985.86, "confidence": 0.998204, "punctuated_word": "when", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "we're", "start": 985.94, "end": 986.18, "confidence": 0.99917674, "punctuated_word": "we're", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "connecting", "start": 986.18, "end": 986.57996, "confidence": 0.99972385, "punctuated_word": "connecting", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "the", "start": 986.57996, "end": 986.74, "confidence": 0.99684674, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "fintech", "start": 986.74, "end": 987.14, "confidence": 0.9863035, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "player", "start": 987.14, "end": 987.38, "confidence": 0.99954, "punctuated_word": "player", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "to", "start": 987.38, "end": 987.54, "confidence": 0.9998098, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "the", "start": 987.54, "end": 987.62, "confidence": 0.9999455, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "bank", "start": 987.62, "end": 988.01996, "confidence": 0.9990326, "punctuated_word": "bank.", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "okay", "start": 988.01996, "end": 988.42, "confidence": 0.9984503, "punctuated_word": "Okay.", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "so", "start": 988.42, "end": 988.5, "confidence": 0.9994758, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.6314516 }, { "word": "what", "start": 988.5, "end": 988.66, "confidence": 0.9995041, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.6314516 }, { "word": "we", "start": 988.66, "end": 988.89996, "confidence": 0.9998925, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.6314516 }, { "word": "have", "start": 988.89996, "end": 989.22, "confidence": 0.99988866, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.6314516 }, { "word": "is", "start": 989.22, "end": 989.62, "confidence": 0.99968886, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.6314516 }, { "word": "an", "start": 989.62, "end": 989.94, "confidence": 0.9994179, "punctuated_word": "an", "speaker": 1, "speaker_confidence": 0.6314516 }, { "word": "anonymized", "start": 989.94, "end": 990.44, "confidence": 0.9987769, "punctuated_word": "anonymized", "speaker": 1, "speaker_confidence": 0.6314516 }, { "word": "number", "start": 990.74, "end": 991.14, "confidence": 0.99932325, "punctuated_word": "number.", "speaker": 1, "speaker_confidence": 0.6314516 }, { "word": "right", "start": 991.14, "end": 991.38, "confidence": 0.9966773, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.6314516 }, { "word": "so", "start": 991.38, "end": 991.62, "confidence": 0.99933654, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "they", "start": 991.62, "end": 991.7, "confidence": 0.91100085, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "don't", "start": 991.7, "end": 991.86, "confidence": 0.9999685, "punctuated_word": "don't", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "know", "start": 991.86, "end": 992.01996, "confidence": 0.999869, "punctuated_word": "know", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "that", "start": 992.01996, "end": 992.18, "confidence": 0.99963474, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "it's", "start": 992.18, "end": 992.42, "confidence": 0.9993788, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "steve", "start": 992.42, "end": 992.74, "confidence": 0.9996568, "punctuated_word": "Steve", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "balmes", "start": 992.74, "end": 993.24, "confidence": 0.6529845, "punctuated_word": "Balmes", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "who's", "start": 993.38, "end": 993.62, "confidence": 0.9804647, "punctuated_word": "who's", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "connecting", "start": 993.62, "end": 994.01996, "confidence": 0.9748452, "punctuated_word": "connecting", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "his", "start": 994.01996, "end": 994.33997, "confidence": 0.99766386, "punctuated_word": "his", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "capital", "start": 994.33997, "end": 994.74, "confidence": 0.9987012, "punctuated_word": "Capital", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "one", "start": 994.74, "end": 994.98, "confidence": 0.99929976, "punctuated_word": "One", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "account", "start": 994.98, "end": 995.45996, "confidence": 0.9941634, "punctuated_word": "account.", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "they", "start": 995.45996, "end": 995.62, "confidence": 0.99964094, "punctuated_word": "They", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "know", "start": 995.62, "end": 995.77997, "confidence": 0.99985623, "punctuated_word": "know", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "that", "start": 995.77997, "end": 996.01996, "confidence": 0.9996382, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "user", "start": 996.01996, "end": 996.51996, "confidence": 0.9996792, "punctuated_word": "user", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "1yz", "start": 996.57996, "end": 997.54, "confidence": 0.9921152, "punctuated_word": "1YZ", "speaker": 1, "speaker_confidence": 0.9399974 }, { "word": "four", "start": 997.54, "end": 997.86, "confidence": 0.98282385, "punctuated_word": "four", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "five", "start": 997.86, "end": 998.18, "confidence": 0.98554206, "punctuated_word": "five", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "is", "start": 998.18, "end": 998.33997, "confidence": 0.99713206, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "connecting", "start": 998.33997, "end": 998.66, "confidence": 0.9767759, "punctuated_word": "connecting", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "a", "start": 998.66, "end": 998.82, "confidence": 0.987427, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "capital", "start": 998.82, "end": 999.195, "confidence": 0.9986523, "punctuated_word": "Capital", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "one", "start": 999.195, "end": 999.355, "confidence": 0.98671883, "punctuated_word": "One", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "account", "start": 999.355, "end": 999.59503, "confidence": 0.9990055, "punctuated_word": "account", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "to", "start": 999.59503, "end": 999.675, "confidence": 0.9991786, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "use", "start": 999.675, "end": 1000.075, "confidence": 0.9957818, "punctuated_word": "use", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "personal", "start": 1000.075, "end": 1000.395, "confidence": 0.98668927, "punctuated_word": "personal", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "capital", "start": 1000.395, "end": 1000.895, "confidence": 0.9960872, "punctuated_word": "capital.", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "but", "start": 1001.275, "end": 1001.515, "confidence": 0.9988513, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "even", "start": 1001.515, "end": 1001.755, "confidence": 0.9998124, "punctuated_word": "even", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "if", "start": 1001.755, "end": 1001.915, "confidence": 0.999897, "punctuated_word": "if", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "that", "start": 1001.915, "end": 1002.075, "confidence": 0.9997836, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "wasn't", "start": 1002.075, "end": 1002.395, "confidence": 0.9999452, "punctuated_word": "wasn't", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "the", "start": 1002.395, "end": 1002.47504, "confidence": 0.9988158, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "case", "start": 1002.47504, "end": 1002.715, "confidence": 0.9999659, "punctuated_word": "case", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "and", "start": 1002.715, "end": 1002.875, "confidence": 0.8416291, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "there's", "start": 1002.875, "end": 1003.195, "confidence": 0.94743836, "punctuated_word": "there's", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "a", "start": 1003.195, "end": 1003.275, "confidence": 0.99937075, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "breach", "start": 1003.275, "end": 1003.775, "confidence": 0.995893, "punctuated_word": "breach,", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "for", "start": 1004.235, "end": 1004.47504, "confidence": 0.9993375, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "yodlee", "start": 1004.47504, "end": 1004.875, "confidence": 0.9762304, "punctuated_word": "Yodlee,", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "there's", "start": 1004.875, "end": 1005.115, "confidence": 0.9922261, "punctuated_word": "there's", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "a", "start": 1005.115, "end": 1005.195, "confidence": 0.9991621, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "few", "start": 1005.195, "end": 1005.355, "confidence": 0.9999335, "punctuated_word": "few", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "different", "start": 1005.355, "end": 1005.59503, "confidence": 0.9996854, "punctuated_word": "different", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "things", "start": 1005.59503, "end": 1005.915, "confidence": 0.9997652, "punctuated_word": "things", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "that", "start": 1005.915, "end": 1006.075, "confidence": 0.9888558, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "mandate", "start": 1006.075, "end": 1006.47504, "confidence": 0.9954457, "punctuated_word": "mandate", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "who's", "start": 1006.47504, "end": 1006.715, "confidence": 0.9476615, "punctuated_word": "who's", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "liable", "start": 1006.715, "end": 1007.195, "confidence": 0.99811745, "punctuated_word": "liable.", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "the", "start": 1007.195, "end": 1007.275, "confidence": 0.9970394, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "first", "start": 1007.275, "end": 1007.515, "confidence": 0.99996614, "punctuated_word": "first", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "is", "start": 1007.515, "end": 1007.675, "confidence": 0.99918157, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "where", "start": 1007.675, "end": 1007.915, "confidence": 0.5425098, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "did", "start": 1007.915, "end": 1007.995, "confidence": 0.99119955, "punctuated_word": "did", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "the", "start": 1007.995, "end": 1008.075, "confidence": 0.9991258, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.57516795 }, { "word": "breach", "start": 1008.075, "end": 1008.395, "confidence": 0.9976131, "punctuated_word": "breach", "speaker": 1, "speaker_confidence": 0.57516795 }, { "word": "actually", "start": 1008.395, "end": 1008.715, "confidence": 0.9998486, "punctuated_word": "actually", "speaker": 1, "speaker_confidence": 0.57516795 }, { "word": "happen", "start": 1008.715, "end": 1009.215, "confidence": 0.80765295, "punctuated_word": "happen?", "speaker": 1, "speaker_confidence": 0.57516795 }, { "word": "right", "start": 1009.355, "end": 1009.675, "confidence": 0.993693, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.57516795 }, { "word": "if", "start": 1009.675, "end": 1009.835, "confidence": 0.80173457, "punctuated_word": "If", "speaker": 1, "speaker_confidence": 0.40058023 }, { "word": "if", "start": 1009.835, "end": 1009.915, "confidence": 0.8603112, "punctuated_word": "if", "speaker": 1, "speaker_confidence": 0.40058023 }, { "word": "it", "start": 1009.915, "end": 1010.075, "confidence": 0.9983552, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.40058023 }, { "word": "happened", "start": 1010.075, "end": 1010.395, "confidence": 0.9981945, "punctuated_word": "happened", "speaker": 1, "speaker_confidence": 0.40058023 }, { "word": "at", "start": 1010.395, "end": 1010.555, "confidence": 0.9751637, "punctuated_word": "at", "speaker": 1, "speaker_confidence": 0.40058023 }, { "word": "yodlee", "start": 1010.555, "end": 1010.875, "confidence": 0.9993555, "punctuated_word": "Yodlee", "speaker": 1, "speaker_confidence": 0.40058023 }, { "word": "sure", "start": 1010.955, "end": 1011.275, "confidence": 0.9071145, "punctuated_word": "Sure.", "speaker": 1, "speaker_confidence": 0.40058023 }, { "word": "that's", "start": 1011.59503, "end": 1011.915, "confidence": 0.99935496, "punctuated_word": "That's", "speaker": 1, "speaker_confidence": 0.55475706 }, { "word": "one", "start": 1011.915, "end": 1012.155, "confidence": 0.9992644, "punctuated_word": "one", "speaker": 1, "speaker_confidence": 0.55475706 }, { "word": "scenario", "start": 1012.155, "end": 1012.555, "confidence": 0.9985403, "punctuated_word": "scenario.", "speaker": 1, "speaker_confidence": 0.55475706 }, { "word": "if", "start": 1012.555, "end": 1012.635, "confidence": 0.99869365, "punctuated_word": "If", "speaker": 1, "speaker_confidence": 0.55475706 }, { "word": "it", "start": 1012.635, "end": 1012.715, "confidence": 0.99620616, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.55475706 }, { "word": "happened", "start": 1012.715, "end": 1013.03503, "confidence": 0.9927557, "punctuated_word": "happened", "speaker": 1, "speaker_confidence": 0.55475706 }, { "word": "at", "start": 1013.03503, "end": 1013.115, "confidence": 0.99516714, "punctuated_word": "at", "speaker": 1, "speaker_confidence": 0.55475706 }, { "word": "the", "start": 1013.115, "end": 1013.195, "confidence": 0.99819213, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.4369989 }, { "word": "bank", "start": 1013.195, "end": 1013.355, "confidence": 0.9972496, "punctuated_word": "bank,", "speaker": 1, "speaker_confidence": 0.4369989 }, { "word": "that's", "start": 1013.355, "end": 1013.515, "confidence": 0.9979969, "punctuated_word": "that's", "speaker": 1, "speaker_confidence": 0.4369989 }, { "word": "another", "start": 1013.515, "end": 1013.755, "confidence": 0.99816245, "punctuated_word": "another", "speaker": 1, "speaker_confidence": 0.4369989 }, { "word": "scenario", "start": 1013.755, "end": 1013.995, "confidence": 0.9954085, "punctuated_word": "scenario.", "speaker": 1, "speaker_confidence": 0.4369989 }, { "word": "if", "start": 1013.995, "end": 1014.10254, "confidence": 0.9487226, "punctuated_word": "If", "speaker": 1, "speaker_confidence": 0.4369989 }, { "word": "it", "start": 1014.10254, "end": 1014.21, "confidence": 0.53289545, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.4369989 }, { "word": "happened", "start": 1014.21, "end": 1014.37, "confidence": 0.9568314, "punctuated_word": "happened", "speaker": 1, "speaker_confidence": 0.4369989 }, { "word": "to", "start": 1014.37, "end": 1014.45, "confidence": 0.5002293, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "third", "start": 1014.45, "end": 1014.85, "confidence": 0.39897513, "punctuated_word": "third", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "party", "start": 1014.85, "end": 1015.25, "confidence": 0.98682404, "punctuated_word": "party,", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "personal", "start": 1015.25, "end": 1015.65, "confidence": 0.9067692, "punctuated_word": "personal", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "capital", "start": 1015.65, "end": 1015.89, "confidence": 0.98967886, "punctuated_word": "capital,", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "that's", "start": 1015.89, "end": 1016.13, "confidence": 0.99980354, "punctuated_word": "that's", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "a", "start": 1016.13, "end": 1016.29004, "confidence": 0.87646115, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "third", "start": 1016.29004, "end": 1016.53, "confidence": 0.99993646, "punctuated_word": "third", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "scenario", "start": 1016.53, "end": 1017.03, "confidence": 0.9983913, "punctuated_word": "scenario.", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "but", "start": 1017.41003, "end": 1017.73004, "confidence": 0.9993418, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "because", "start": 1017.73004, "end": 1018.13, "confidence": 0.9973611, "punctuated_word": "because", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "we're", "start": 1018.13, "end": 1018.37, "confidence": 0.99984014, "punctuated_word": "we're", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "a", "start": 1018.37, "end": 1018.45, "confidence": 0.9995369, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "little", "start": 1018.45, "end": 1018.61005, "confidence": 0.99999094, "punctuated_word": "little", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "bit", "start": 1018.61005, "end": 1018.77, "confidence": 0.9995565, "punctuated_word": "bit", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "different", "start": 1018.77, "end": 1019.09, "confidence": 0.8625535, "punctuated_word": "different,", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "right", "start": 1019.09, "end": 1019.25, "confidence": 0.99333125, "punctuated_word": "right,", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "i", "start": 1019.25, "end": 1019.41003, "confidence": 0.9708436, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "went", "start": 1019.41003, "end": 1019.53, "confidence": 0.47310123, "punctuated_word": "went", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "going", "start": 1019.65, "end": 1019.89, "confidence": 0.9983714, "punctuated_word": "going", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "back", "start": 1019.89, "end": 1020.05005, "confidence": 0.9997253, "punctuated_word": "back", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "to", "start": 1020.05005, "end": 1020.21, "confidence": 0.9997372, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "the", "start": 1020.21, "end": 1020.37, "confidence": 0.99948764, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "idea", "start": 1020.37, "end": 1020.61005, "confidence": 0.9998846, "punctuated_word": "idea", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "that", "start": 1020.61005, "end": 1020.85004, "confidence": 0.999721, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "three", "start": 1020.85004, "end": 1021.09, "confidence": 0.9994578, "punctuated_word": "three", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "quarters", "start": 1021.09, "end": 1021.49005, "confidence": 0.99926287, "punctuated_word": "quarters", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "of", "start": 1021.49005, "end": 1021.65, "confidence": 0.999899, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "our", "start": 1021.65, "end": 1021.81, "confidence": 0.9997372, "punctuated_word": "our", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "data", "start": 1021.81, "end": 1022.05005, "confidence": 0.9999014, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "comes", "start": 1022.05005, "end": 1022.29004, "confidence": 0.9993524, "punctuated_word": "comes", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "through", "start": 1022.29004, "end": 1022.53, "confidence": 0.9941181, "punctuated_word": "through", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "direct", "start": 1022.53, "end": 1022.85004, "confidence": 0.9996014, "punctuated_word": "direct", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "fees", "start": 1022.85004, "end": 1023.17004, "confidence": 0.83125556, "punctuated_word": "fees", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "and", "start": 1023.17004, "end": 1023.41003, "confidence": 0.99673694, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "contractual", "start": 1023.41003, "end": 1023.91003, "confidence": 0.99324507, "punctuated_word": "contractual", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "relationships", "start": 1023.97003, "end": 1024.47, "confidence": 0.9566, "punctuated_word": "relationships", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "with", "start": 1024.53, "end": 1024.77, "confidence": 0.99653363, "punctuated_word": "with", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "with", "start": 1024.77, "end": 1024.85, "confidence": 0.6960239, "punctuated_word": "with", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "banks", "start": 1024.85, "end": 1025.35, "confidence": 0.81223947, "punctuated_word": "banks,", "speaker": 1, "speaker_confidence": 0.69385743 }, { "word": "each", "start": 1025.81, "end": 1026.05, "confidence": 0.9970386, "punctuated_word": "each", "speaker": 1, "speaker_confidence": 0.69385743 }, { "word": "of", "start": 1026.05, "end": 1026.13, "confidence": 0.9997601, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.69385743 }, { "word": "those", "start": 1026.13, "end": 1026.4501, "confidence": 0.9997137, "punctuated_word": "those", "speaker": 1, "speaker_confidence": 0.69385743 }, { "word": "contracts", "start": 1026.4501, "end": 1026.9501, "confidence": 0.99964964, "punctuated_word": "contracts", "speaker": 1, "speaker_confidence": 0.69385743 }, { "word": "stipulates", "start": 1027.1951, "end": 1027.6951, "confidence": 0.99844944, "punctuated_word": "stipulates", "speaker": 1, "speaker_confidence": 0.69385743 }, { "word": "the", "start": 1027.755, "end": 1027.995, "confidence": 0.9764038, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.69385743 }, { "word": "liabilities", "start": 1027.995, "end": 1028.495, "confidence": 0.9995182, "punctuated_word": "liabilities.", "speaker": 1, "speaker_confidence": 0.69385743 }, { "word": "okay", "start": 1028.635, "end": 1028.9551, "confidence": 0.99586886, "punctuated_word": "Okay.", "speaker": 2, "speaker_confidence": 0.13966322 }, { "word": "so", "start": 1028.9551, "end": 1029.115, "confidence": 0.9997123, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.58526033 }, { "word": "it's", "start": 1029.115, "end": 1029.275, "confidence": 0.9997796, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.58526033 }, { "word": "a", "start": 1029.275, "end": 1029.435, "confidence": 0.9999373, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.58526033 }, { "word": "little", "start": 1029.435, "end": 1029.5951, "confidence": 0.9999604, "punctuated_word": "little", "speaker": 1, "speaker_confidence": 0.58526033 }, { "word": "bit", "start": 1029.5951, "end": 1029.755, "confidence": 0.9998685, "punctuated_word": "bit", "speaker": 1, "speaker_confidence": 0.58526033 }, { "word": "different", "start": 1029.755, "end": 1029.995, "confidence": 0.9998122, "punctuated_word": "different", "speaker": 1, "speaker_confidence": 0.58526033 }, { "word": "for", "start": 1029.995, "end": 1030.155, "confidence": 0.9984205, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.58526033 }, { "word": "yieldy", "start": 1030.155, "end": 1030.475, "confidence": 0.6823578, "punctuated_word": "Yieldy", "speaker": 1, "speaker_confidence": 0.58526033 }, { "word": "than", "start": 1030.475, "end": 1030.5549, "confidence": 0.94444525, "punctuated_word": "than", "speaker": 1, "speaker_confidence": 0.58526033 }, { "word": "the", "start": 1030.5549, "end": 1030.635, "confidence": 0.9940969, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "rest", "start": 1030.635, "end": 1030.875, "confidence": 0.99986506, "punctuated_word": "rest", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "of", "start": 1030.875, "end": 1030.9551, "confidence": 0.99960726, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "the", "start": 1030.9551, "end": 1031.035, "confidence": 0.99883336, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "players", "start": 1031.035, "end": 1031.535, "confidence": 0.99982464, "punctuated_word": "players.", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "the", "start": 1032.155, "end": 1032.655, "confidence": 0.99978703, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "differential", "start": 1032.795, "end": 1033.275, "confidence": 0.9994294, "punctuated_word": "differential", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "for", "start": 1033.275, "end": 1033.515, "confidence": 0.9979728, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "us", "start": 1033.515, "end": 1033.755, "confidence": 0.9999205, "punctuated_word": "us", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "is", "start": 1033.755, "end": 1033.915, "confidence": 0.9999529, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "that", "start": 1033.915, "end": 1034.155, "confidence": 0.99985135, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "we", "start": 1034.155, "end": 1034.3151, "confidence": 0.9998932, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "have", "start": 1034.3151, "end": 1034.475, "confidence": 0.9999492, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "those", "start": 1034.475, "end": 1034.7151, "confidence": 0.9999268, "punctuated_word": "those", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "relationships", "start": 1034.7151, "end": 1035.1951, "confidence": 0.9996551, "punctuated_word": "relationships", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "with", "start": 1035.1951, "end": 1035.355, "confidence": 0.9999409, "punctuated_word": "with", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "banks", "start": 1035.355, "end": 1035.855, "confidence": 0.9908043, "punctuated_word": "banks.", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "the", "start": 1036.0751, "end": 1036.235, "confidence": 0.99949634, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "majority", "start": 1036.235, "end": 1036.635, "confidence": 0.99999034, "punctuated_word": "majority", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "of", "start": 1036.635, "end": 1036.795, "confidence": 0.99996495, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "other", "start": 1036.795, "end": 1037.035, "confidence": 0.999711, "punctuated_word": "other", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "players", "start": 1037.035, "end": 1037.355, "confidence": 0.999879, "punctuated_word": "players", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "in", "start": 1037.355, "end": 1037.435, "confidence": 0.9998472, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "the", "start": 1037.435, "end": 1037.5951, "confidence": 0.99252456, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "system", "start": 1037.5951, "end": 1037.995, "confidence": 0.81963503, "punctuated_word": "system,", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "or", "start": 1037.995, "end": 1038.155, "confidence": 0.9957503, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "at", "start": 1038.155, "end": 1038.3151, "confidence": 0.9751813, "punctuated_word": "at", "speaker": 1, "speaker_confidence": 0.51661164 }, { "word": "least", "start": 1038.3151, "end": 1038.475, "confidence": 0.9999652, "punctuated_word": "least", "speaker": 1, "speaker_confidence": 0.51661164 }, { "word": "most", "start": 1038.475, "end": 1038.7151, "confidence": 0.9602422, "punctuated_word": "most", "speaker": 1, "speaker_confidence": 0.51661164 }, { "word": "of", "start": 1038.7151, "end": 1038.795, "confidence": 0.99872094, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.51661164 }, { "word": "the", "start": 1038.795, "end": 1038.9551, "confidence": 0.99963915, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.51661164 }, { "word": "other", "start": 1038.9551, "end": 1039.035, "confidence": 0.9992914, "punctuated_word": "other", "speaker": 1, "speaker_confidence": 0.51661164 }, { "word": "players", "start": 1039.035, "end": 1039.355, "confidence": 0.9998492, "punctuated_word": "players", "speaker": 1, "speaker_confidence": 0.51661164 }, { "word": "in", "start": 1039.355, "end": 1039.515, "confidence": 0.9990533, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.51661164 }, { "word": "the", "start": 1039.515, "end": 1039.5951, "confidence": 0.9971789, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.51661164 }, { "word": "system", "start": 1039.5951, "end": 1040.0951, "confidence": 0.9892255, "punctuated_word": "system,", "speaker": 1, "speaker_confidence": 0.51661164 }, { "word": "go", "start": 1040.98, "end": 1041.2999, "confidence": 0.51209813, "punctuated_word": "go", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "through", "start": 1041.2999, "end": 1041.62, "confidence": 0.9999273, "punctuated_word": "through", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "screenless", "start": 1041.62, "end": 1042.02, "confidence": 0.7105492, "punctuated_word": "screenless", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "data", "start": 1042.02, "end": 1042.34, "confidence": 0.99869615, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "capture", "start": 1042.34, "end": 1042.84, "confidence": 0.99629116, "punctuated_word": "capture.", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "so", "start": 1042.9, "end": 1043.0599, "confidence": 0.9996226, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "it's", "start": 1043.0599, "end": 1043.5599, "confidence": 0.9998511, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "less", "start": 1043.7799, "end": 1044.1, "confidence": 0.9999306, "punctuated_word": "less", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "collaborative", "start": 1044.1, "end": 1044.58, "confidence": 0.99988747, "punctuated_word": "collaborative", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "with", "start": 1044.58, "end": 1044.6599, "confidence": 0.9998764, "punctuated_word": "with", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "the", "start": 1044.6599, "end": 1044.74, "confidence": 0.99915075, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "banks", "start": 1044.74, "end": 1044.98, "confidence": 0.83561766, "punctuated_word": "banks,", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "and", "start": 1044.98, "end": 1045.14, "confidence": 0.9974598, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "it's", "start": 1045.14, "end": 1045.2999, "confidence": 0.99605715, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "more", "start": 1045.2999, "end": 1045.46, "confidence": 0.9985667, "punctuated_word": "more", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "you", "start": 1045.46, "end": 1045.5399, "confidence": 0.73950183, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "give", "start": 1045.5399, "end": 1045.7799, "confidence": 0.9995523, "punctuated_word": "give", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "us", "start": 1045.7799, "end": 1045.94, "confidence": 0.9997657, "punctuated_word": "us", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "your", "start": 1045.94, "end": 1046.1, "confidence": 0.99217767, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "username", "start": 1046.1, "end": 1046.4199, "confidence": 0.9807999, "punctuated_word": "username", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "and", "start": 1046.4199, "end": 1046.5, "confidence": 0.9987698, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "password", "start": 1046.5, "end": 1046.9, "confidence": 0.88119674, "punctuated_word": "password.", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "we", "start": 1046.9, "end": 1047.0599, "confidence": 0.99939704, "punctuated_word": "We", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "will", "start": 1047.0599, "end": 1047.22, "confidence": 0.9999093, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "log", "start": 1047.22, "end": 1047.38, "confidence": 0.96505, "punctuated_word": "log", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "in", "start": 1047.38, "end": 1047.5399, "confidence": 0.9984016, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "as", "start": 1047.5399, "end": 1047.7, "confidence": 0.99666107, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "you", "start": 1047.7, "end": 1047.86, "confidence": 0.93095535, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "to", "start": 1047.86, "end": 1047.94, "confidence": 0.84209937, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "your", "start": 1047.94, "end": 1048.1, "confidence": 0.9997472, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "account", "start": 1048.1, "end": 1048.5, "confidence": 0.9551426, "punctuated_word": "account.", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "we", "start": 1048.5, "end": 1048.58, "confidence": 0.9994992, "punctuated_word": "We", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "will", "start": 1048.58, "end": 1048.82, "confidence": 0.9999076, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "capture", "start": 1048.82, "end": 1049.0599, "confidence": 0.9997639, "punctuated_word": "capture", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "it", "start": 1049.0599, "end": 1049.14, "confidence": 0.9350226, "punctuated_word": "it,", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "and", "start": 1049.14, "end": 1049.2999, "confidence": 0.9994518, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "we", "start": 1049.2999, "end": 1049.46, "confidence": 0.9994679, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "will", "start": 1049.46, "end": 1049.86, "confidence": 0.99961495, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "spit", "start": 1049.86, "end": 1050.1, "confidence": 0.9915553, "punctuated_word": "spit", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "it", "start": 1050.1, "end": 1050.26, "confidence": 0.99944633, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "out", "start": 1050.26, "end": 1050.76, "confidence": 0.9995779, "punctuated_word": "out.", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "it's", "start": 1050.98, "end": 1051.22, "confidence": 0.99953204, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "not", "start": 1051.22, "end": 1051.7, "confidence": 0.9990181, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "less", "start": 1051.7, "end": 1052.02, "confidence": 0.99868125, "punctuated_word": "less", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "safe", "start": 1052.02, "end": 1052.34, "confidence": 0.9923177, "punctuated_word": "safe.", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "it's", "start": 1052.34, "end": 1052.475, "confidence": 0.9803226, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.34490746 }, { "word": "a", "start": 1052.635, "end": 1052.715, "confidence": 0.9995752, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.34490746 }, { "word": "different", "start": 1052.715, "end": 1052.875, "confidence": 0.99997795, "punctuated_word": "different", "speaker": 1, "speaker_confidence": 0.34490746 }, { "word": "form", "start": 1052.875, "end": 1053.115, "confidence": 0.99894863, "punctuated_word": "form", "speaker": 1, "speaker_confidence": 0.34490746 }, { "word": "of", "start": 1053.115, "end": 1053.195, "confidence": 0.9996774, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.34490746 }, { "word": "doing", "start": 1053.195, "end": 1053.4349, "confidence": 0.99992275, "punctuated_word": "doing", "speaker": 1, "speaker_confidence": 0.34490746 }, { "word": "it", "start": 1053.4349, "end": 1053.6749, "confidence": 0.88247323, "punctuated_word": "it.", "speaker": 1, "speaker_confidence": 0.34490746 }, { "word": "but", "start": 1053.6749, "end": 1053.835, "confidence": 0.9996767, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "because", "start": 1053.835, "end": 1054.155, "confidence": 0.9978556, "punctuated_word": "because", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "we", "start": 1054.155, "end": 1054.235, "confidence": 0.99982184, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "have", "start": 1054.235, "end": 1054.395, "confidence": 0.9999068, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "the", "start": 1054.395, "end": 1054.5549, "confidence": 0.9984328, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "contractual", "start": 1054.5549, "end": 1055.035, "confidence": 0.99979347, "punctuated_word": "contractual", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "arrangements", "start": 1055.035, "end": 1055.515, "confidence": 0.9828265, "punctuated_word": "arrangements,", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "the", "start": 1055.515, "end": 1055.6749, "confidence": 0.8262467, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "liability", "start": 1055.6749, "end": 1056.075, "confidence": 0.99972016, "punctuated_word": "liability", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "provisions", "start": 1056.075, "end": 1056.475, "confidence": 0.9993919, "punctuated_word": "provisions", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "are", "start": 1056.475, "end": 1056.635, "confidence": 0.9998292, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "clearly", "start": 1056.635, "end": 1057.035, "confidence": 0.99968565, "punctuated_word": "clearly", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "spelled", "start": 1057.035, "end": 1057.355, "confidence": 0.99973494, "punctuated_word": "spelled", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "out", "start": 1057.355, "end": 1057.595, "confidence": 0.99971, "punctuated_word": "out", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "in", "start": 1057.595, "end": 1057.755, "confidence": 0.99976665, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "each", "start": 1057.755, "end": 1057.995, "confidence": 0.99996376, "punctuated_word": "each", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "scenario", "start": 1057.995, "end": 1058.495, "confidence": 0.9998213, "punctuated_word": "scenario.", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "okay", "start": 1058.635, "end": 1059.135, "confidence": 0.9991182, "punctuated_word": "Okay.", "speaker": 2, "speaker_confidence": 0.624193 }, { "word": "so", "start": 1059.515, "end": 1059.755, "confidence": 0.99776125, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.624193 }, { "word": "before", "start": 1059.755, "end": 1059.995, "confidence": 0.9990409, "punctuated_word": "before", "speaker": 2, "speaker_confidence": 0.624193 }, { "word": "we", "start": 1059.995, "end": 1060.155, "confidence": 0.9998765, "punctuated_word": "we", "speaker": 2, "speaker_confidence": 0.624193 }, { "word": "start", "start": 1060.155, "end": 1060.395, "confidence": 0.77119637, "punctuated_word": "start", "speaker": 2, "speaker_confidence": 0.624193 }, { "word": "recording", "start": 1060.395, "end": 1060.715, "confidence": 0.99396, "punctuated_word": "recording,", "speaker": 2, "speaker_confidence": 0.624193 }, { "word": "we're", "start": 1060.715, "end": 1060.875, "confidence": 0.957805, "punctuated_word": "we're", "speaker": 2, "speaker_confidence": 0.624193 }, { "word": "talking", "start": 1060.875, "end": 1060.995, "confidence": 0.9982502, "punctuated_word": "talking", "speaker": 2, "speaker_confidence": 0.624193 }, { "word": "a", "start": 1060.995, "end": 1061.115, "confidence": 0.97652847, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.45751852 }, { "word": "bit", "start": 1061.115, "end": 1061.275, "confidence": 0.9987675, "punctuated_word": "bit", "speaker": 2, "speaker_confidence": 0.45751852 }, { "word": "about", "start": 1061.275, "end": 1061.595, "confidence": 0.9996623, "punctuated_word": "about", "speaker": 2, "speaker_confidence": 0.45751852 }, { "word": "travel", "start": 1061.595, "end": 1061.835, "confidence": 0.863521, "punctuated_word": "travel,", "speaker": 2, "speaker_confidence": 0.45751852 }, { "word": "and", "start": 1061.835, "end": 1061.995, "confidence": 0.999501, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.45751852 }, { "word": "you", "start": 1061.995, "end": 1062.155, "confidence": 0.99983513, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.45751852 }, { "word": "were", "start": 1062.155, "end": 1062.315, "confidence": 0.9982888, "punctuated_word": "were", "speaker": 2, "speaker_confidence": 0.45751852 }, { "word": "saying", "start": 1062.315, "end": 1062.475, "confidence": 0.9996928, "punctuated_word": "saying", "speaker": 2, "speaker_confidence": 0.5271872 }, { "word": "that", "start": 1062.475, "end": 1062.635, "confidence": 0.99897987, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.5271872 }, { "word": "you", "start": 1062.635, "end": 1062.7949, "confidence": 0.99963486, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.5271872 }, { "word": "are", "start": 1062.7949, "end": 1062.955, "confidence": 0.9990171, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.5271872 }, { "word": "a", "start": 1062.955, "end": 1063.115, "confidence": 0.99507856, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.5271872 }, { "word": "road", "start": 1063.115, "end": 1063.355, "confidence": 0.9974486, "punctuated_word": "road", "speaker": 2, "speaker_confidence": 0.5271872 }, { "word": "warrior", "start": 1063.355, "end": 1063.835, "confidence": 0.99941754, "punctuated_word": "warrior", "speaker": 2, "speaker_confidence": 0.5271872 }, { "word": "when", "start": 1063.835, "end": 1063.995, "confidence": 0.99604696, "punctuated_word": "when", "speaker": 2, "speaker_confidence": 0.5271872 }, { "word": "it", "start": 1063.995, "end": 1064.075, "confidence": 0.9983734, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.5374441 }, { "word": "comes", "start": 1064.075, "end": 1064.315, "confidence": 0.9987295, "punctuated_word": "comes", "speaker": 2, "speaker_confidence": 0.5374441 }, { "word": "to", "start": 1064.315, "end": 1064.395, "confidence": 0.97847086, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.5374441 }, { "word": "work", "start": 1064.395, "end": 1064.76, "confidence": 0.9924729, "punctuated_word": "work", "speaker": 2, "speaker_confidence": 0.5374441 }, { "word": "and", "start": 1064.76, "end": 1064.84, "confidence": 0.99755424, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.5374441 }, { "word": "do", "start": 1064.84, "end": 1064.92, "confidence": 0.9993711, "punctuated_word": "do", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "business", "start": 1064.92, "end": 1065.42, "confidence": 0.9999304, "punctuated_word": "business", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "in", "start": 1065.56, "end": 1065.72, "confidence": 0.9985832, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "the", "start": 1065.72, "end": 1065.96, "confidence": 0.9984719, "punctuated_word": "The", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "us", "start": 1065.96, "end": 1066.36, "confidence": 0.9987901, "punctuated_word": "US,", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "eu", "start": 1066.36, "end": 1066.68, "confidence": 0.984122, "punctuated_word": "EU,", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "and", "start": 1066.68, "end": 1066.84, "confidence": 0.9998233, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "i", "start": 1066.84, "end": 1066.92, "confidence": 0.629867, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "believe", "start": 1066.92, "end": 1067.24, "confidence": 0.9999609, "punctuated_word": "believe", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "other", "start": 1067.24, "end": 1067.48, "confidence": 0.948705, "punctuated_word": "other", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "places", "start": 1067.48, "end": 1067.98, "confidence": 0.9915117, "punctuated_word": "places.", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "but", "start": 1068.76, "end": 1069.0, "confidence": 0.9949529, "punctuated_word": "But", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "let's", "start": 1069.0, "end": 1069.16, "confidence": 0.9992709, "punctuated_word": "let's", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "focus", "start": 1069.16, "end": 1069.48, "confidence": 0.9997819, "punctuated_word": "focus", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "on", "start": 1069.48, "end": 1069.64, "confidence": 0.99940944, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "the", "start": 1069.64, "end": 1069.88, "confidence": 0.9996488, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "the", "start": 1069.88, "end": 1070.12, "confidence": 0.9821654, "punctuated_word": "The", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "us", "start": 1070.12, "end": 1070.36, "confidence": 0.9996983, "punctuated_word": "US", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "and", "start": 1070.36, "end": 1070.52, "confidence": 0.99810815, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "the", "start": 1070.52, "end": 1070.76, "confidence": 0.9932024, "punctuated_word": "The", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "eu", "start": 1070.76, "end": 1071.26, "confidence": 0.99733794, "punctuated_word": "EU.", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "what's", "start": 1071.48, "end": 1071.88, "confidence": 0.99911296, "punctuated_word": "What's", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "kind", "start": 1071.88, "end": 1072.04, "confidence": 0.9602987, "punctuated_word": "kind", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "of", "start": 1072.04, "end": 1072.2, "confidence": 0.9990829, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "the", "start": 1072.2, "end": 1072.36, "confidence": 0.9953733, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "difference", "start": 1072.36, "end": 1072.76, "confidence": 0.9994319, "punctuated_word": "difference", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "in", "start": 1072.76, "end": 1073.0, "confidence": 0.9822842, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "how", "start": 1073.0, "end": 1073.3201, "confidence": 0.99970764, "punctuated_word": "how", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "you", "start": 1073.3201, "end": 1073.56, "confidence": 0.99949527, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "have", "start": 1073.56, "end": 1073.8, "confidence": 0.9990069, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "to", "start": 1073.8, "end": 1073.96, "confidence": 0.99810386, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "operate", "start": 1073.96, "end": 1074.28, "confidence": 0.9996463, "punctuated_word": "operate", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "in", "start": 1074.28, "end": 1074.6, "confidence": 0.99773943, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "the", "start": 1074.6, "end": 1074.68, "confidence": 0.99499303, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "two", "start": 1074.68, "end": 1074.92, "confidence": 0.9988955, "punctuated_word": "two", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "different", "start": 1074.92, "end": 1075.4, "confidence": 0.97667503, "punctuated_word": "different,", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "two", "start": 1076.04, "end": 1076.12, "confidence": 0.99665785, "punctuated_word": "two", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "different", "start": 1076.12, "end": 1076.4401, "confidence": 0.9990675, "punctuated_word": "different", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "places", "start": 1076.4401, "end": 1076.84, "confidence": 0.85168266, "punctuated_word": "places?", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "because", "start": 1076.84, "end": 1077.045, "confidence": 0.98990786, "punctuated_word": "Because", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "they", "start": 1077.125, "end": 1077.285, "confidence": 0.9973037, "punctuated_word": "they", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "obviously", "start": 1077.285, "end": 1077.525, "confidence": 0.9917802, "punctuated_word": "obviously", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "have", "start": 1077.525, "end": 1077.765, "confidence": 0.99912137, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "very", "start": 1077.765, "end": 1078.0851, "confidence": 0.99969435, "punctuated_word": "very", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "different", "start": 1078.0851, "end": 1078.5651, "confidence": 0.9786104, "punctuated_word": "different,", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "rules", "start": 1078.9651, "end": 1079.4451, "confidence": 0.9977928, "punctuated_word": "rules,", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "regulations", "start": 1079.4451, "end": 1079.9451, "confidence": 0.9924006, "punctuated_word": "regulations,", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "policies", "start": 1080.005, "end": 1080.485, "confidence": 0.99846953, "punctuated_word": "policies", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "around", "start": 1080.485, "end": 1080.805, "confidence": 0.99208707, "punctuated_word": "around", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "privacy", "start": 1080.805, "end": 1081.305, "confidence": 0.96302557, "punctuated_word": "privacy.", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "yeah", "start": 1081.4451, "end": 1081.685, "confidence": 0.9963187, "punctuated_word": "Yeah.", "speaker": 1, "speaker_confidence": 0.30391818 }, { "word": "so", "start": 1081.685, "end": 1081.8451, "confidence": 0.9992951, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.30391818 }, { "word": "this", "start": 1081.8451, "end": 1082.165, "confidence": 0.99984455, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.30391818 }, { "word": "this", "start": 1082.165, "end": 1082.3251, "confidence": 0.52908766, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.30391818 }, { "word": "is", "start": 1082.3251, "end": 1082.485, "confidence": 0.9982235, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.30391818 }, { "word": "a", "start": 1082.485, "end": 1082.645, "confidence": 0.99635977, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "fascinating", "start": 1082.645, "end": 1083.145, "confidence": 0.99986506, "punctuated_word": "fascinating", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "area", "start": 1083.2051, "end": 1083.525, "confidence": 0.9892223, "punctuated_word": "area.", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "right", "start": 1083.525, "end": 1083.685, "confidence": 0.9984926, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "and", "start": 1083.685, "end": 1083.8451, "confidence": 0.9995728, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "it", "start": 1083.8451, "end": 1084.005, "confidence": 0.9995702, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "was", "start": 1084.005, "end": 1084.245, "confidence": 0.99958915, "punctuated_word": "was", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "one", "start": 1084.245, "end": 1084.405, "confidence": 0.9996872, "punctuated_word": "one", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "that", "start": 1084.405, "end": 1084.5651, "confidence": 0.9997743, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "was", "start": 1084.5651, "end": 1084.645, "confidence": 0.99979097, "punctuated_word": "was", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "really", "start": 1084.645, "end": 1084.885, "confidence": 0.9993475, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "eye", "start": 1084.885, "end": 1085.045, "confidence": 0.99971336, "punctuated_word": "eye", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "opening", "start": 1085.045, "end": 1085.4451, "confidence": 0.96301943, "punctuated_word": "opening", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "for", "start": 1085.4451, "end": 1085.6051, "confidence": 0.9992071, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "me", "start": 1085.6051, "end": 1086.005, "confidence": 0.99984217, "punctuated_word": "me", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "having", "start": 1086.005, "end": 1086.3251, "confidence": 0.5493752, "punctuated_word": "having", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "come", "start": 1086.3251, "end": 1086.485, "confidence": 0.99888235, "punctuated_word": "come", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "from", "start": 1086.485, "end": 1086.645, "confidence": 0.9995184, "punctuated_word": "from", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "the", "start": 1086.645, "end": 1086.805, "confidence": 0.97706336, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.3481791 }, { "word": "traditional", "start": 1086.805, "end": 1087.285, "confidence": 0.9999509, "punctuated_word": "traditional", "speaker": 1, "speaker_confidence": 0.3481791 }, { "word": "bank", "start": 1087.285, "end": 1087.4451, "confidence": 0.99937123, "punctuated_word": "bank", "speaker": 1, "speaker_confidence": 0.3481791 }, { "word": "world", "start": 1087.4451, "end": 1087.8451, "confidence": 0.99808455, "punctuated_word": "world", "speaker": 1, "speaker_confidence": 0.3481791 }, { "word": "and", "start": 1087.8451, "end": 1088.0851, "confidence": 0.968456, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.3481791 }, { "word": "done", "start": 1088.0851, "end": 1088.165, "confidence": 0.9738469, "punctuated_word": "done", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "a", "start": 1088.165, "end": 1088.245, "confidence": 0.99870455, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "little", "start": 1088.245, "end": 1088.485, "confidence": 0.99986565, "punctuated_word": "little", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "bit", "start": 1088.485, "end": 1088.5651, "confidence": 0.9990069, "punctuated_word": "bit", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "of", "start": 1088.5651, "end": 1088.7251, "confidence": 0.9984195, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "work", "start": 1088.7251, "end": 1088.885, "confidence": 0.9994382, "punctuated_word": "work", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "in", "start": 1088.885, "end": 1088.9651, "confidence": 0.991687, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "the", "start": 1088.9651, "end": 1089.125, "confidence": 0.9744144, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "eu", "start": 1089.125, "end": 1089.6051, "confidence": 0.9949228, "punctuated_word": "EU", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "to", "start": 1089.6051, "end": 1089.8451, "confidence": 0.98258317, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "now", "start": 1089.8451, "end": 1090.165, "confidence": 0.9963224, "punctuated_word": "now", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "being", "start": 1090.165, "end": 1090.485, "confidence": 0.53622955, "punctuated_word": "being", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "really", "start": 1090.485, "end": 1090.7251, "confidence": 0.9833815, "punctuated_word": "really,", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "really", "start": 1090.7251, "end": 1090.9651, "confidence": 0.9996346, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "deeply", "start": 1090.9651, "end": 1091.365, "confidence": 0.97322726, "punctuated_word": "deeply", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "involved", "start": 1091.365, "end": 1091.685, "confidence": 0.9977557, "punctuated_word": "involved", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "in", "start": 1091.685, "end": 1091.765, "confidence": 0.8745888, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "what's", "start": 1091.765, "end": 1092.12, "confidence": 0.9906502, "punctuated_word": "what's", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "happening", "start": 1094.04, "end": 1094.232, "confidence": 0.9967529, "punctuated_word": "happening", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "there", "start": 1094.232, "end": 1094.4241, "confidence": 0.9970254, "punctuated_word": "there.", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "generally", "start": 1094.616, "end": 1094.808, "confidence": 0.9887841, "punctuated_word": "Generally", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "speaking", "start": 1094.808, "end": 1095.0, "confidence": 0.999652, "punctuated_word": "speaking,", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "we", "start": 1095.0, "end": 1095.192, "confidence": 0.99989665, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "in", "start": 1095.192, "end": 1095.384, "confidence": 0.90482956, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "the", "start": 1095.384, "end": 1095.5759, "confidence": 0.9997664, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "us", "start": 1095.5759, "end": 1095.768, "confidence": 0.99957246, "punctuated_word": "US", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "are", "start": 1095.768, "end": 1095.96, "confidence": 0.9987374, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "years", "start": 1095.96, "end": 1096.44, "confidence": 0.999683, "punctuated_word": "years", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "behind", "start": 1096.44, "end": 1096.94, "confidence": 0.9997732, "punctuated_word": "behind", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "the", "start": 1097.08, "end": 1097.32, "confidence": 0.9920597, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "eu", "start": 1097.32, "end": 1097.82, "confidence": 0.9886938, "punctuated_word": "EU,", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "in", "start": 1098.12, "end": 1098.28, "confidence": 0.9997677, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "terms", "start": 1098.28, "end": 1098.6, "confidence": 0.99997866, "punctuated_word": "terms", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "of", "start": 1098.6, "end": 1098.92, "confidence": 0.99966717, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "thinking", "start": 1098.92, "end": 1099.24, "confidence": 0.99978584, "punctuated_word": "thinking", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "about", "start": 1099.24, "end": 1099.5599, "confidence": 0.9990809, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "data", "start": 1099.5599, "end": 1099.88, "confidence": 0.9998305, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "and", "start": 1099.88, "end": 1100.12, "confidence": 0.983146, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "privacy", "start": 1100.12, "end": 1100.62, "confidence": 0.9999615, "punctuated_word": "privacy", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "and", "start": 1100.68, "end": 1100.92, "confidence": 0.98575133, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "how", "start": 1100.92, "end": 1101.16, "confidence": 0.9994772, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "consumers", "start": 1101.16, "end": 1101.66, "confidence": 0.99965215, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "can", "start": 1101.8, "end": 1102.04, "confidence": 0.9996629, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "use", "start": 1102.04, "end": 1102.28, "confidence": 0.9997241, "punctuated_word": "use", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "their", "start": 1102.28, "end": 1102.44, "confidence": 0.9996051, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "data", "start": 1102.44, "end": 1102.68, "confidence": 0.9998468, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "to", "start": 1102.68, "end": 1102.76, "confidence": 0.99952304, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "their", "start": 1102.76, "end": 1103.0, "confidence": 0.9997451, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "advantage", "start": 1103.0, "end": 1103.5, "confidence": 0.99958324, "punctuated_word": "advantage.", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "in", "start": 1103.88, "end": 1104.12, "confidence": 0.99927, "punctuated_word": "In", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "the", "start": 1104.12, "end": 1104.28, "confidence": 0.9972697, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "eu", "start": 1104.28, "end": 1104.6, "confidence": 0.998104, "punctuated_word": "EU,", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "there", "start": 1104.6, "end": 1104.84, "confidence": 0.9987406, "punctuated_word": "there", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "are", "start": 1104.84, "end": 1105.08, "confidence": 0.9980715, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "two", "start": 1105.08, "end": 1105.58, "confidence": 0.98692954, "punctuated_word": "two,", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "regulations", "start": 1106.2, "end": 1106.68, "confidence": 0.99438936, "punctuated_word": "regulations", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "that", "start": 1106.68, "end": 1106.925, "confidence": 0.9649778, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "i", "start": 1106.925, "end": 1107.005, "confidence": 0.9975426, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "would", "start": 1107.005, "end": 1107.0851, "confidence": 0.99916077, "punctuated_word": "would", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "point", "start": 1107.0851, "end": 1107.3251, "confidence": 0.99950075, "punctuated_word": "point", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "out", "start": 1107.3251, "end": 1107.405, "confidence": 0.99777067, "punctuated_word": "out", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "as", "start": 1107.405, "end": 1107.805, "confidence": 0.93344814, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "really", "start": 1107.805, "end": 1108.045, "confidence": 0.9989458, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "important", "start": 1108.045, "end": 1108.545, "confidence": 0.99975026, "punctuated_word": "important.", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "one", "start": 1108.925, "end": 1109.165, "confidence": 0.9993656, "punctuated_word": "One", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "is", "start": 1109.165, "end": 1109.3251, "confidence": 0.9972644, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "the", "start": 1109.3251, "end": 1109.405, "confidence": 0.9250361, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "second", "start": 1109.405, "end": 1109.645, "confidence": 0.98540777, "punctuated_word": "second", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "payment", "start": 1109.645, "end": 1110.045, "confidence": 0.9952192, "punctuated_word": "payment", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "services", "start": 1110.045, "end": 1110.4451, "confidence": 0.9993309, "punctuated_word": "services", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "directive", "start": 1110.4451, "end": 1110.925, "confidence": 0.9688453, "punctuated_word": "directive,", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "psd", "start": 1110.925, "end": 1111.405, "confidence": 0.968781, "punctuated_word": "PSD", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "two", "start": 1111.405, "end": 1111.905, "confidence": 0.9953941, "punctuated_word": "two,", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "which", "start": 1112.2051, "end": 1112.4451, "confidence": 0.9996798, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "the", "start": 1112.4451, "end": 1112.685, "confidence": 0.9964277, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "european", "start": 1112.685, "end": 1113.005, "confidence": 0.9994289, "punctuated_word": "European", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "banking", "start": 1113.005, "end": 1113.405, "confidence": 0.5647123, "punctuated_word": "Banking", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "authority", "start": 1113.405, "end": 1113.885, "confidence": 0.9957118, "punctuated_word": "Authority", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "just", "start": 1113.885, "end": 1114.2051, "confidence": 0.9987179, "punctuated_word": "just", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "finalized", "start": 1114.2051, "end": 1114.7051, "confidence": 0.99647224, "punctuated_word": "finalized", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "some", "start": 1114.765, "end": 1114.925, "confidence": 0.9947314, "punctuated_word": "some", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "of", "start": 1114.925, "end": 1115.005, "confidence": 0.9997646, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "the", "start": 1115.005, "end": 1115.0851, "confidence": 0.99873084, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.5359297 }, { "word": "standards", "start": 1115.0851, "end": 1115.4851, "confidence": 0.9957468, "punctuated_word": "standards", "speaker": 1, "speaker_confidence": 0.5359297 }, { "word": "a", "start": 1115.4851, "end": 1115.5651, "confidence": 0.99897826, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.5359297 }, { "word": "few", "start": 1115.5651, "end": 1115.7251, "confidence": 0.9999635, "punctuated_word": "few", "speaker": 1, "speaker_confidence": 0.5359297 }, { "word": "weeks", "start": 1115.7251, "end": 1115.9651, "confidence": 0.9999, "punctuated_word": "weeks", "speaker": 1, "speaker_confidence": 0.5359297 }, { "word": "ago", "start": 1115.9651, "end": 1116.4651, "confidence": 0.812309, "punctuated_word": "ago.", "speaker": 1, "speaker_confidence": 0.5359297 }, { "word": "and", "start": 1116.6051, "end": 1116.8451, "confidence": 0.99376935, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.5359297 }, { "word": "in", "start": 1116.8451, "end": 1116.925, "confidence": 0.5200811, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.5359297 }, { "word": "the", "start": 1116.925, "end": 1117.005, "confidence": 0.9993542, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.5359297 }, { "word": "next", "start": 1117.005, "end": 1117.245, "confidence": 0.99983776, "punctuated_word": "next", "speaker": 1, "speaker_confidence": 0.70265234 }, { "word": "couple", "start": 1117.245, "end": 1117.4851, "confidence": 0.999579, "punctuated_word": "couple", "speaker": 1, "speaker_confidence": 0.70265234 }, { "word": "of", "start": 1117.4851, "end": 1117.5651, "confidence": 0.99765956, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.70265234 }, { "word": "years", "start": 1117.5651, "end": 1117.885, "confidence": 0.9560633, "punctuated_word": "years,", "speaker": 1, "speaker_confidence": 0.70265234 }, { "word": "we'll", "start": 1117.885, "end": 1118.045, "confidence": 0.70748377, "punctuated_word": "we'll", "speaker": 1, "speaker_confidence": 0.70265234 }, { "word": "go", "start": 1118.045, "end": 1118.125, "confidence": 0.99885464, "punctuated_word": "go", "speaker": 1, "speaker_confidence": 0.70265234 }, { "word": "into", "start": 1118.125, "end": 1118.365, "confidence": 0.98807794, "punctuated_word": "into", "speaker": 1, "speaker_confidence": 0.70265234 }, { "word": "full", "start": 1118.365, "end": 1118.6051, "confidence": 0.9988618, "punctuated_word": "full", "speaker": 1, "speaker_confidence": 0.70265234 }, { "word": "effect", "start": 1118.6051, "end": 1119.1051, "confidence": 0.9997762, "punctuated_word": "effect.", "speaker": 1, "speaker_confidence": 0.70265234 }, { "word": "the", "start": 1119.165, "end": 1119.3251, "confidence": 0.99933463, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "idea", "start": 1119.3251, "end": 1119.7251, "confidence": 0.99990356, "punctuated_word": "idea", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "here", "start": 1119.7251, "end": 1119.9651, "confidence": 0.99968874, "punctuated_word": "here", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "is", "start": 1119.9651, "end": 1120.35, "confidence": 0.99916244, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "consumers", "start": 1120.51, "end": 1120.83, "confidence": 0.9994758, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "own", "start": 1120.83, "end": 1121.15, "confidence": 0.9988932, "punctuated_word": "own", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "their", "start": 1121.15, "end": 1121.3099, "confidence": 0.99982053, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "own", "start": 1121.3099, "end": 1121.47, "confidence": 0.999931, "punctuated_word": "own", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "data", "start": 1121.47, "end": 1121.95, "confidence": 0.9996611, "punctuated_word": "data.", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "it's", "start": 1121.95, "end": 1122.11, "confidence": 0.9997877, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "not", "start": 1122.11, "end": 1122.35, "confidence": 0.99994874, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "the", "start": 1122.35, "end": 1122.4299, "confidence": 0.9989735, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "banks", "start": 1122.4299, "end": 1122.83, "confidence": 0.99746823, "punctuated_word": "banks", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "to", "start": 1122.83, "end": 1122.99, "confidence": 0.8588061, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.2900049 }, { "word": "decide", "start": 1122.99, "end": 1123.3099, "confidence": 0.9994116, "punctuated_word": "decide", "speaker": 1, "speaker_confidence": 0.2900049 }, { "word": "what", "start": 1123.3099, "end": 1123.39, "confidence": 0.99553394, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.2900049 }, { "word": "to", "start": 1123.39, "end": 1123.5499, "confidence": 0.9990632, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.2900049 }, { "word": "do", "start": 1123.5499, "end": 1123.63, "confidence": 0.98923326, "punctuated_word": "do", "speaker": 1, "speaker_confidence": 0.37228042 }, { "word": "with", "start": 1123.63, "end": 1123.7899, "confidence": 0.9488405, "punctuated_word": "with.", "speaker": 1, "speaker_confidence": 0.37228042 }, { "word": "it's", "start": 1123.7899, "end": 1123.95, "confidence": 0.99950695, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.37228042 }, { "word": "the", "start": 1123.95, "end": 1124.19, "confidence": 0.9967757, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.37228042 }, { "word": "consumers", "start": 1124.19, "end": 1124.59, "confidence": 0.9892519, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 0.37228042 }, { "word": "to", "start": 1124.59, "end": 1124.6699, "confidence": 0.5695291, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.37228042 }, { "word": "decide", "start": 1124.6699, "end": 1124.83, "confidence": 0.9986505, "punctuated_word": "decide", "speaker": 1, "speaker_confidence": 0.37228042 }, { "word": "what", "start": 1124.83, "end": 1124.91, "confidence": 0.99706167, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "to", "start": 1124.91, "end": 1125.07, "confidence": 0.9970011, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "do", "start": 1125.07, "end": 1125.15, "confidence": 0.99199766, "punctuated_word": "do", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "with", "start": 1125.15, "end": 1125.65, "confidence": 0.959561, "punctuated_word": "with.", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "and", "start": 1126.11, "end": 1126.61, "confidence": 0.99795914, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "it", "start": 1126.6699, "end": 1126.83, "confidence": 0.9985788, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "goes", "start": 1126.83, "end": 1127.15, "confidence": 0.9993911, "punctuated_word": "goes", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "through", "start": 1127.15, "end": 1127.39, "confidence": 0.9991578, "punctuated_word": "through", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "a", "start": 1127.39, "end": 1127.63, "confidence": 0.99759835, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "really", "start": 1127.63, "end": 1128.03, "confidence": 0.99291146, "punctuated_word": "really,", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "really", "start": 1128.03, "end": 1128.53, "confidence": 0.99973696, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "descriptive", "start": 1128.59, "end": 1129.09, "confidence": 0.98423946, "punctuated_word": "descriptive", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "and", "start": 1129.47, "end": 1129.97, "confidence": 0.97320175, "punctuated_word": "and,", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "prescriptive", "start": 1130.4299, "end": 1130.9299, "confidence": 0.9999235, "punctuated_word": "prescriptive", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "mandate", "start": 1131.5499, "end": 1132.0499, "confidence": 0.998689, "punctuated_word": "mandate", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "into", "start": 1132.11, "end": 1132.61, "confidence": 0.9833506, "punctuated_word": "into", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "how", "start": 1132.83, "end": 1133.07, "confidence": 0.9966619, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "banks", "start": 1133.07, "end": 1133.57, "confidence": 0.99742436, "punctuated_word": "banks", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "must", "start": 1133.63, "end": 1133.95, "confidence": 0.9856553, "punctuated_word": "must", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "make", "start": 1133.95, "end": 1134.11, "confidence": 0.97698826, "punctuated_word": "make", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "the", "start": 1134.11, "end": 1134.19, "confidence": 0.973278, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "data", "start": 1134.19, "end": 1134.51, "confidence": 0.9853184, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "available", "start": 1134.51, "end": 1134.99, "confidence": 0.9984652, "punctuated_word": "available", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "and", "start": 1134.99, "end": 1135.23, "confidence": 0.88648313, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "what", "start": 1135.23, "end": 1135.3099, "confidence": 0.9577354, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "the", "start": 1135.3099, "end": 1135.47, "confidence": 0.9109146, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "roles", "start": 1135.47, "end": 1135.71, "confidence": 0.91564053, "punctuated_word": "roles", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "and", "start": 1135.71, "end": 1135.87, "confidence": 0.595343, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "responsibilities", "start": 1135.87, "end": 1136.11, "confidence": 0.69082016, "punctuated_word": "responsibilities", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "in", "start": 1136.11, "end": 1136.325, "confidence": 0.36066058, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "ecosystem", "start": 1136.725, "end": 1137.225, "confidence": 0.8542824, "punctuated_word": "ecosystem", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "are", "start": 1137.2849, "end": 1137.605, "confidence": 0.8451295, "punctuated_word": "are,", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "you", "start": 1137.605, "end": 1137.6849, "confidence": 0.68812007, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "know", "start": 1137.6849, "end": 1137.845, "confidence": 0.99399954, "punctuated_word": "know,", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "going", "start": 1137.845, "end": 1138.005, "confidence": 0.9981439, "punctuated_word": "going", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "back", "start": 1138.005, "end": 1138.085, "confidence": 0.99919635, "punctuated_word": "back", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "to", "start": 1138.085, "end": 1138.1649, "confidence": 0.9984074, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "your", "start": 1138.1649, "end": 1138.325, "confidence": 0.9995254, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "question", "start": 1138.325, "end": 1138.565, "confidence": 0.9992785, "punctuated_word": "question", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "about", "start": 1138.565, "end": 1138.8049, "confidence": 0.99944764, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "liability", "start": 1138.8049, "end": 1139.2849, "confidence": 0.9995999, "punctuated_word": "liability", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "and", "start": 1139.2849, "end": 1139.445, "confidence": 0.98537004, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "how", "start": 1139.445, "end": 1139.605, "confidence": 0.9998355, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "the", "start": 1139.605, "end": 1139.6849, "confidence": 0.9948155, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "data", "start": 1139.6849, "end": 1139.9249, "confidence": 0.9991473, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "is", "start": 1139.9249, "end": 1140.005, "confidence": 0.9498015, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "collected", "start": 1140.005, "end": 1140.505, "confidence": 0.97036594, "punctuated_word": "collected,", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "all", "start": 1140.8049, "end": 1140.965, "confidence": 0.9995277, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "of", "start": 1140.965, "end": 1141.0449, "confidence": 0.8889303, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "these", "start": 1141.0449, "end": 1141.205, "confidence": 0.99902487, "punctuated_word": "these", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "things", "start": 1141.205, "end": 1141.5249, "confidence": 0.9911234, "punctuated_word": "things.", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "but", "start": 1141.5249, "end": 1141.6849, "confidence": 0.9991054, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "at", "start": 1141.6849, "end": 1141.7649, "confidence": 0.985219, "punctuated_word": "at", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "the", "start": 1141.7649, "end": 1141.9249, "confidence": 0.9974087, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "core", "start": 1141.9249, "end": 1142.245, "confidence": 0.9998714, "punctuated_word": "core", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "is", "start": 1142.245, "end": 1142.745, "confidence": 0.96668696, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "technology", "start": 1143.0449, "end": 1143.5449, "confidence": 0.8824854, "punctuated_word": "technology", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "is", "start": 1143.6849, "end": 1143.845, "confidence": 0.99730325, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "a", "start": 1143.845, "end": 1144.005, "confidence": 0.9965586, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "really", "start": 1144.005, "end": 1144.325, "confidence": 0.999331, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "important", "start": 1144.325, "end": 1144.8049, "confidence": 0.99924845, "punctuated_word": "important", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "way", "start": 1144.8049, "end": 1144.965, "confidence": 0.99582374, "punctuated_word": "way", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "that", "start": 1144.965, "end": 1145.125, "confidence": 0.89417213, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "consumers", "start": 1145.125, "end": 1145.605, "confidence": 0.9986136, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "can", "start": 1145.605, "end": 1145.845, "confidence": 0.99736243, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "improve", "start": 1145.845, "end": 1146.1649, "confidence": 0.9993562, "punctuated_word": "improve", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "their", "start": 1146.1649, "end": 1146.325, "confidence": 0.9950428, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "finances", "start": 1146.325, "end": 1146.825, "confidence": 0.97404563, "punctuated_word": "finances,", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "and", "start": 1147.125, "end": 1147.445, "confidence": 0.97620994, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "banks", "start": 1147.445, "end": 1147.845, "confidence": 0.99341667, "punctuated_word": "banks", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "should", "start": 1147.845, "end": 1148.005, "confidence": 0.92996603, "punctuated_word": "should", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "not", "start": 1148.005, "end": 1148.4, "confidence": 0.92385375, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "stand", "start": 1148.4, "end": 1148.52, "confidence": 0.48842958, "punctuated_word": "stand", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "in", "start": 1148.52, "end": 1148.64, "confidence": 0.99450207, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "the", "start": 1148.64, "end": 1148.72, "confidence": 0.9954137, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "way", "start": 1148.72, "end": 1148.88, "confidence": 0.9998281, "punctuated_word": "way", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "of", "start": 1148.88, "end": 1148.9601, "confidence": 0.99893695, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "allowing", "start": 1148.9601, "end": 1149.4601, "confidence": 0.9995228, "punctuated_word": "allowing", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "consumers", "start": 1149.52, "end": 1149.92, "confidence": 0.99930954, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "to", "start": 1149.92, "end": 1150.0, "confidence": 0.9995863, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "do", "start": 1150.0, "end": 1150.16, "confidence": 0.9998343, "punctuated_word": "do", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "that", "start": 1150.16, "end": 1150.66, "confidence": 0.9994997, "punctuated_word": "that.", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "the", "start": 1151.6, "end": 1151.76, "confidence": 0.98851556, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "second", "start": 1151.76, "end": 1152.0, "confidence": 0.99988055, "punctuated_word": "second", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "i", "start": 1152.0, "end": 1152.16, "confidence": 0.6947872, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "would", "start": 1152.16, "end": 1152.3201, "confidence": 0.99845874, "punctuated_word": "would", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "say", "start": 1152.3201, "end": 1152.56, "confidence": 0.9996401, "punctuated_word": "say", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "is", "start": 1152.56, "end": 1152.88, "confidence": 0.9897078, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "gdpr", "start": 1152.88, "end": 1153.38, "confidence": 0.9940873, "punctuated_word": "GDPR,", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "which", "start": 1153.52, "end": 1153.68, "confidence": 0.99988973, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "is", "start": 1153.68, "end": 1153.92, "confidence": 0.99978846, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "the", "start": 1153.92, "end": 1154.16, "confidence": 0.99963605, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "data", "start": 1154.16, "end": 1154.48, "confidence": 0.96424353, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "security", "start": 1154.48, "end": 1154.98, "confidence": 0.9994673, "punctuated_word": "security", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "european", "start": 1155.04, "end": 1155.4401, "confidence": 0.9882604, "punctuated_word": "European", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "requirement", "start": 1155.4401, "end": 1155.84, "confidence": 0.9902166, "punctuated_word": "requirement,", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "which", "start": 1155.84, "end": 1156.0, "confidence": 0.99993765, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "is", "start": 1156.0, "end": 1156.0801, "confidence": 0.9993444, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "also", "start": 1156.0801, "end": 1156.3201, "confidence": 0.9996537, "punctuated_word": "also", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "gonna", "start": 1156.3201, "end": 1156.56, "confidence": 0.9638928, "punctuated_word": "gonna", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "go", "start": 1156.56, "end": 1156.64, "confidence": 0.99456656, "punctuated_word": "go", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "into", "start": 1156.64, "end": 1156.88, "confidence": 0.99819857, "punctuated_word": "into", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "effect", "start": 1156.88, "end": 1157.2001, "confidence": 0.9942311, "punctuated_word": "effect", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "the", "start": 1157.2001, "end": 1157.28, "confidence": 0.6744514, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.56680787 }, { "word": "next", "start": 1157.28, "end": 1157.78, "confidence": 0.9996743, "punctuated_word": "next", "speaker": 1, "speaker_confidence": 0.56680787 }, { "word": "year", "start": 1157.84, "end": 1158.0801, "confidence": 0.9990766, "punctuated_word": "year", "speaker": 1, "speaker_confidence": 0.56680787 }, { "word": "and", "start": 1158.0801, "end": 1158.16, "confidence": 0.9990048, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.56680787 }, { "word": "a", "start": 1158.16, "end": 1158.24, "confidence": 0.98278654, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.56680787 }, { "word": "half", "start": 1158.24, "end": 1158.48, "confidence": 0.9070692, "punctuated_word": "half,", "speaker": 1, "speaker_confidence": 0.56680787 }, { "word": "year", "start": 1158.48, "end": 1158.64, "confidence": 0.987324, "punctuated_word": "year", "speaker": 1, "speaker_confidence": 0.56680787 }, { "word": "or", "start": 1158.64, "end": 1158.88, "confidence": 0.9628131, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.56680787 }, { "word": "so", "start": 1158.88, "end": 1159.38, "confidence": 0.9860476, "punctuated_word": "so.", "speaker": 1, "speaker_confidence": 0.56680787 }, { "word": "and", "start": 1159.76, "end": 1160.0, "confidence": 0.9992286, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.4822846 }, { "word": "that's", "start": 1160.0, "end": 1160.3201, "confidence": 0.9998771, "punctuated_word": "that's", "speaker": 1, "speaker_confidence": 0.4822846 }, { "word": "kind", "start": 1160.3201, "end": 1160.48, "confidence": 0.97052866, "punctuated_word": "kind", "speaker": 1, "speaker_confidence": 0.4822846 }, { "word": "of", "start": 1160.48, "end": 1160.64, "confidence": 0.99962175, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.4822846 }, { "word": "the", "start": 1160.64, "end": 1160.8, "confidence": 0.99945694, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.4822846 }, { "word": "other", "start": 1160.8, "end": 1160.9601, "confidence": 0.99973184, "punctuated_word": "other", "speaker": 1, "speaker_confidence": 0.4822846 }, { "word": "side", "start": 1160.9601, "end": 1161.2001, "confidence": 0.9998418, "punctuated_word": "side", "speaker": 1, "speaker_confidence": 0.4822846 }, { "word": "of", "start": 1161.2001, "end": 1161.28, "confidence": 0.99957496, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.4822846 }, { "word": "the", "start": 1161.28, "end": 1161.36, "confidence": 0.99938834, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.4822846 }, { "word": "coin", "start": 1161.36, "end": 1161.52, "confidence": 0.9988832, "punctuated_word": "coin", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "of", "start": 1161.52, "end": 1161.915, "confidence": 0.99681807, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "pst", "start": 1161.915, "end": 1162.155, "confidence": 0.6185353, "punctuated_word": "PST", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "two", "start": 1162.155, "end": 1162.3151, "confidence": 0.99893594, "punctuated_word": "two.", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "it's", "start": 1162.3151, "end": 1162.635, "confidence": 0.99949235, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "this", "start": 1162.635, "end": 1162.795, "confidence": 0.9995022, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "idea", "start": 1162.795, "end": 1163.1951, "confidence": 0.999923, "punctuated_word": "idea", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "that", "start": 1163.1951, "end": 1163.435, "confidence": 0.99973065, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "in", "start": 1163.435, "end": 1163.755, "confidence": 0.98592675, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "a", "start": 1163.755, "end": 1163.915, "confidence": 0.9998392, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "really", "start": 1163.915, "end": 1164.415, "confidence": 0.9993412, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "tech", "start": 1164.4751, "end": 1164.875, "confidence": 0.999052, "punctuated_word": "tech", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "focused", "start": 1164.875, "end": 1165.355, "confidence": 0.99841547, "punctuated_word": "focused", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "world", "start": 1165.355, "end": 1165.675, "confidence": 0.99978465, "punctuated_word": "world", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "where", "start": 1165.675, "end": 1165.915, "confidence": 0.8508504, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "consumers", "start": 1165.915, "end": 1166.3151, "confidence": 0.99915016, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "are", "start": 1166.3151, "end": 1166.395, "confidence": 0.99954444, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "permissioning", "start": 1166.395, "end": 1166.875, "confidence": 0.9800358, "punctuated_word": "permissioning", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "and", "start": 1166.875, "end": 1167.035, "confidence": 0.9962768, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "using", "start": 1167.035, "end": 1167.275, "confidence": 0.99986947, "punctuated_word": "using", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "their", "start": 1167.275, "end": 1167.355, "confidence": 0.99930525, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "data", "start": 1167.355, "end": 1167.5951, "confidence": 0.99987745, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "for", "start": 1167.5951, "end": 1167.8351, "confidence": 0.9994993, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "any", "start": 1167.8351, "end": 1168.0751, "confidence": 0.9995364, "punctuated_word": "any", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "host", "start": 1168.0751, "end": 1168.3151, "confidence": 0.99967563, "punctuated_word": "host", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "of", "start": 1168.3151, "end": 1168.395, "confidence": 0.99971586, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "things", "start": 1168.395, "end": 1168.875, "confidence": 0.9803053, "punctuated_word": "things,", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "not", "start": 1168.875, "end": 1169.115, "confidence": 0.9996427, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "just", "start": 1169.115, "end": 1169.275, "confidence": 0.9997081, "punctuated_word": "just", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "in", "start": 1169.275, "end": 1169.355, "confidence": 0.9954823, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "the", "start": 1169.355, "end": 1169.435, "confidence": 0.9968832, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "financial", "start": 1169.435, "end": 1169.8351, "confidence": 0.9998634, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "world", "start": 1169.8351, "end": 1170.155, "confidence": 0.952904, "punctuated_word": "world,", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "everywhere", "start": 1170.155, "end": 1170.655, "confidence": 0.92644024, "punctuated_word": "everywhere,", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "there", "start": 1171.035, "end": 1171.275, "confidence": 0.99825567, "punctuated_word": "there", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "have", "start": 1171.275, "end": 1171.435, "confidence": 0.86780834, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "to", "start": 1171.435, "end": 1171.515, "confidence": 0.99951625, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "be", "start": 1171.515, "end": 1171.675, "confidence": 0.9997675, "punctuated_word": "be", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "some", "start": 1171.675, "end": 1171.8351, "confidence": 0.99951947, "punctuated_word": "some", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "baseline", "start": 1171.8351, "end": 1172.235, "confidence": 0.99438053, "punctuated_word": "baseline", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "understandings", "start": 1172.235, "end": 1172.735, "confidence": 0.99461204, "punctuated_word": "understandings", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "about", "start": 1172.9551, "end": 1173.4551, "confidence": 0.9994054, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "data", "start": 1173.675, "end": 1173.915, "confidence": 0.9997687, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "security", "start": 1173.915, "end": 1174.415, "confidence": 0.9997165, "punctuated_word": "security,", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "data", "start": 1174.4751, "end": 1174.795, "confidence": 0.99987507, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "privacy", "start": 1174.795, "end": 1175.295, "confidence": 0.9991827, "punctuated_word": "privacy,", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "consent", "start": 1175.63, "end": 1176.1101, "confidence": 0.85177207, "punctuated_word": "consent,", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "disclosure", "start": 1176.1101, "end": 1176.6101, "confidence": 0.9779845, "punctuated_word": "disclosure,", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "and", "start": 1177.4701, "end": 1177.9701, "confidence": 0.99723595, "punctuated_word": "and,", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "letting", "start": 1178.43, "end": 1178.75, "confidence": 0.9997875, "punctuated_word": "letting", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "consumers", "start": 1178.75, "end": 1179.2301, "confidence": 0.9995857, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "turn", "start": 1179.2301, "end": 1179.4701, "confidence": 0.9995276, "punctuated_word": "turn", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "on", "start": 1179.4701, "end": 1179.7101, "confidence": 0.9997265, "punctuated_word": "on", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "and", "start": 1179.7101, "end": 1179.87, "confidence": 0.9997085, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "off", "start": 1179.87, "end": 1180.1101, "confidence": 0.99987805, "punctuated_word": "off", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "the", "start": 1180.1101, "end": 1180.27, "confidence": 0.9979752, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "ability", "start": 1180.27, "end": 1180.5901, "confidence": 0.9999355, "punctuated_word": "ability", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "to", "start": 1180.5901, "end": 1180.75, "confidence": 0.99975187, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "use", "start": 1180.75, "end": 1180.91, "confidence": 0.9994727, "punctuated_word": "use", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "the", "start": 1180.91, "end": 1180.99, "confidence": 0.73183763, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.35933834 }, { "word": "data", "start": 1180.99, "end": 1181.31, "confidence": 0.9989348, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.35933834 }, { "word": "so", "start": 1181.31, "end": 1181.4701, "confidence": 0.9171392, "punctuated_word": "so", "speaker": 1, "speaker_confidence": 0.35933834 }, { "word": "that", "start": 1181.4701, "end": 1181.7101, "confidence": 0.9994978, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.35933834 }, { "word": "the", "start": 1181.7101, "end": 1181.9501, "confidence": 0.99733126, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.35933834 }, { "word": "flow", "start": 1181.9501, "end": 1182.1101, "confidence": 0.99938357, "punctuated_word": "flow", "speaker": 1, "speaker_confidence": 0.35933834 }, { "word": "they", "start": 1182.3501, "end": 1182.43, "confidence": 0.9995135, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "have", "start": 1182.43, "end": 1182.5901, "confidence": 0.99961555, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "control", "start": 1182.5901, "end": 1182.91, "confidence": 0.99872714, "punctuated_word": "control", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "of", "start": 1182.91, "end": 1182.99, "confidence": 0.9862781, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "the", "start": 1182.99, "end": 1183.15, "confidence": 0.98872405, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "flow", "start": 1183.15, "end": 1183.39, "confidence": 0.99824893, "punctuated_word": "flow.", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "it's", "start": 1183.39, "end": 1183.55, "confidence": 0.9995512, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "not", "start": 1183.55, "end": 1183.9501, "confidence": 0.9999609, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "somebody", "start": 1183.9501, "end": 1184.3501, "confidence": 0.9996159, "punctuated_word": "somebody", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "doing", "start": 1184.3501, "end": 1184.51, "confidence": 0.9993231, "punctuated_word": "doing", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "it", "start": 1184.51, "end": 1184.67, "confidence": 0.99988353, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "for", "start": 1184.67, "end": 1184.8301, "confidence": 0.9998429, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "them", "start": 1184.8301, "end": 1185.0701, "confidence": 0.9995743, "punctuated_word": "them.", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "yeah", "start": 1185.0701, "end": 1185.5701, "confidence": 0.9503144, "punctuated_word": "Yeah.", "speaker": 2, "speaker_confidence": 0.23792088 }, { "word": "so", "start": 1185.7101, "end": 1186.03, "confidence": 0.9995493, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.6979236 }, { "word": "those", "start": 1186.03, "end": 1186.3501, "confidence": 0.9998041, "punctuated_word": "those", "speaker": 1, "speaker_confidence": 0.6979236 }, { "word": "two", "start": 1186.3501, "end": 1186.5901, "confidence": 0.9997683, "punctuated_word": "two", "speaker": 1, "speaker_confidence": 0.6979236 }, { "word": "things", "start": 1186.5901, "end": 1186.99, "confidence": 0.99991894, "punctuated_word": "things", "speaker": 1, "speaker_confidence": 0.6979236 }, { "word": "intertwined", "start": 1186.99, "end": 1187.49, "confidence": 0.9928533, "punctuated_word": "intertwined,", "speaker": 1, "speaker_confidence": 0.6979236 }, { "word": "create", "start": 1188.8301, "end": 1189.15, "confidence": 0.99963, "punctuated_word": "create", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "a", "start": 1189.15, "end": 1189.31, "confidence": 0.9999087, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "really", "start": 1189.31, "end": 1189.7101, "confidence": 0.9999044, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "important", "start": 1189.7101, "end": 1190.2101, "confidence": 0.9998746, "punctuated_word": "important", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "fabric", "start": 1190.27, "end": 1190.77, "confidence": 0.99972326, "punctuated_word": "fabric", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "for", "start": 1191.0851, "end": 1191.3251, "confidence": 0.99993086, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "how", "start": 1191.3251, "end": 1191.8251, "confidence": 0.9998759, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "this", "start": 1191.9651, "end": 1192.285, "confidence": 0.99912125, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "environment", "start": 1192.285, "end": 1192.765, "confidence": 0.99964166, "punctuated_word": "environment", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "should", "start": 1192.765, "end": 1192.925, "confidence": 0.99854916, "punctuated_word": "should", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "work", "start": 1192.925, "end": 1193.245, "confidence": 0.88170725, "punctuated_word": "work,", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "the", "start": 1193.245, "end": 1193.405, "confidence": 0.98948085, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "fintech", "start": 1193.405, "end": 1193.805, "confidence": 0.9809478, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "environment", "start": 1193.805, "end": 1194.2051, "confidence": 0.99959856, "punctuated_word": "environment", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "should", "start": 1194.2051, "end": 1194.4451, "confidence": 0.9959812, "punctuated_word": "should", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "work", "start": 1194.4451, "end": 1194.8451, "confidence": 0.9996706, "punctuated_word": "work", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "in", "start": 1194.8451, "end": 1195.0851, "confidence": 0.917639, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "the", "start": 1195.0851, "end": 1195.165, "confidence": 0.99529654, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "eu", "start": 1195.165, "end": 1195.405, "confidence": 0.86103505, "punctuated_word": "EU.", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "and", "start": 1195.405, "end": 1195.5651, "confidence": 0.9884405, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "then", "start": 1195.5651, "end": 1195.7251, "confidence": 0.6763662, "punctuated_word": "then", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "you", "start": 1195.7251, "end": 1195.805, "confidence": 0.9889924, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "have", "start": 1195.805, "end": 1195.885, "confidence": 0.9887714, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "other", "start": 1195.885, "end": 1196.125, "confidence": 0.99926263, "punctuated_word": "other", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "countries", "start": 1196.125, "end": 1196.4451, "confidence": 0.9996599, "punctuated_word": "countries", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "in", "start": 1196.4451, "end": 1196.6051, "confidence": 0.9981306, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "the", "start": 1196.6051, "end": 1196.765, "confidence": 0.99735034, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "eu", "start": 1196.765, "end": 1197.245, "confidence": 0.70473516, "punctuated_word": "EU,", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "well", "start": 1197.245, "end": 1197.4851, "confidence": 0.9529563, "punctuated_word": "well,", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "i", "start": 1197.4851, "end": 1197.645, "confidence": 0.8653218, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "i", "start": 1197.645, "end": 1197.805, "confidence": 0.7959626, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "suppose", "start": 1197.805, "end": 1198.125, "confidence": 0.98571616, "punctuated_word": "suppose", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "the", "start": 1198.125, "end": 1198.285, "confidence": 0.9171433, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "uk", "start": 1198.285, "end": 1198.685, "confidence": 0.99539435, "punctuated_word": "UK", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "is", "start": 1198.685, "end": 1199.005, "confidence": 0.4856069, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "one", "start": 1199.005, "end": 1199.165, "confidence": 0.9550801, "punctuated_word": "one", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "foot", "start": 1199.165, "end": 1199.3251, "confidence": 0.96757543, "punctuated_word": "foot", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "in", "start": 1199.3251, "end": 1199.4851, "confidence": 0.87166005, "punctuated_word": "in,", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "one", "start": 1199.4851, "end": 1199.645, "confidence": 0.99546045, "punctuated_word": "one", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "foot", "start": 1199.645, "end": 1199.885, "confidence": 0.99725276, "punctuated_word": "foot", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "out", "start": 1199.885, "end": 1200.285, "confidence": 0.88799596, "punctuated_word": "out,", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "that", "start": 1200.285, "end": 1200.525, "confidence": 0.98452604, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "even", "start": 1200.525, "end": 1200.765, "confidence": 0.8656624, "punctuated_word": "even", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "gone", "start": 1200.765, "end": 1200.925, "confidence": 0.48478454, "punctuated_word": "gone", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "a", "start": 1200.925, "end": 1201.0851, "confidence": 0.99611086, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "step", "start": 1201.0851, "end": 1201.245, "confidence": 0.9998518, "punctuated_word": "step", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "further", "start": 1201.245, "end": 1201.745, "confidence": 0.9990484, "punctuated_word": "further", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "and", "start": 1201.805, "end": 1201.9651, "confidence": 0.97533786, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "said", "start": 1201.9651, "end": 1202.285, "confidence": 0.82533026, "punctuated_word": "said,", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "not", "start": 1202.285, "end": 1202.4451, "confidence": 0.99849033, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "only", "start": 1202.4451, "end": 1202.765, "confidence": 0.99989593, "punctuated_word": "only", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "will", "start": 1202.765, "end": 1202.94, "confidence": 0.9983188, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "we", "start": 1203.4199, "end": 1203.5, "confidence": 0.99879336, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "take", "start": 1203.5, "end": 1203.6599, "confidence": 0.9994103, "punctuated_word": "take", "speaker": 1, "speaker_confidence": 0.5413374 }, { "word": "these", "start": 1203.6599, "end": 1203.8999, "confidence": 0.9950964, "punctuated_word": "these", "speaker": 1, "speaker_confidence": 0.5413374 }, { "word": "and", "start": 1203.8999, "end": 1204.1399, "confidence": 0.99720556, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.5413374 }, { "word": "implement", "start": 1204.1399, "end": 1204.46, "confidence": 0.9994542, "punctuated_word": "implement", "speaker": 1, "speaker_confidence": 0.5413374 }, { "word": "them", "start": 1204.46, "end": 1204.86, "confidence": 0.93816125, "punctuated_word": "them,", "speaker": 1, "speaker_confidence": 0.5413374 }, { "word": "we're", "start": 1204.86, "end": 1205.0199, "confidence": 0.99752307, "punctuated_word": "we're", "speaker": 1, "speaker_confidence": 0.5413374 }, { "word": "gonna", "start": 1205.0199, "end": 1205.2599, "confidence": 0.7839701, "punctuated_word": "gonna", "speaker": 1, "speaker_confidence": 0.5413374 }, { "word": "go", "start": 1205.2599, "end": 1205.3398, "confidence": 0.9903819, "punctuated_word": "go", "speaker": 1, "speaker_confidence": 0.5413374 }, { "word": "a", "start": 1205.3398, "end": 1205.4199, "confidence": 0.9762915, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "step", "start": 1205.4199, "end": 1205.58, "confidence": 0.9997824, "punctuated_word": "step", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "further", "start": 1205.58, "end": 1205.8999, "confidence": 0.99928856, "punctuated_word": "further", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 1205.8999, "end": 1206.0599, "confidence": 0.9960037, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "have", "start": 1206.0599, "end": 1206.22, "confidence": 0.99854326, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "something", "start": 1206.22, "end": 1206.3799, "confidence": 0.9990195, "punctuated_word": "something", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "called", "start": 1206.3799, "end": 1206.62, "confidence": 0.99748105, "punctuated_word": "called", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "open", "start": 1206.62, "end": 1206.86, "confidence": 0.8752757, "punctuated_word": "open", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "banking", "start": 1206.86, "end": 1207.2599, "confidence": 0.8771572, "punctuated_word": "banking,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "where", "start": 1207.2599, "end": 1207.5, "confidence": 0.9993494, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "we", "start": 1207.5, "end": 1207.74, "confidence": 0.999438, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "will", "start": 1207.74, "end": 1207.98, "confidence": 0.99697053, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "create", "start": 1207.98, "end": 1208.48, "confidence": 0.9994869, "punctuated_word": "create", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "a", "start": 1208.5399, "end": 1208.7, "confidence": 0.9718498, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "standardized", "start": 1208.7, "end": 1209.2, "confidence": 0.9951426, "punctuated_word": "standardized", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "api", "start": 1209.2599, "end": 1209.7599, "confidence": 0.99976367, "punctuated_word": "API", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "by", "start": 1210.22, "end": 1210.46, "confidence": 0.9090426, "punctuated_word": "by", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "which", "start": 1210.46, "end": 1210.62, "confidence": 0.9998735, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "all", "start": 1210.62, "end": 1210.7799, "confidence": 0.99889815, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "of", "start": 1210.7799, "end": 1210.86, "confidence": 0.74700946, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "this", "start": 1210.86, "end": 1211.0199, "confidence": 0.9871481, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "data", "start": 1211.0199, "end": 1211.2599, "confidence": 0.9984206, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "has", "start": 1211.2599, "end": 1211.3799, "confidence": 0.99848807, "punctuated_word": "has", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 1211.3799, "end": 1211.5, "confidence": 0.98528624, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "be", "start": 1211.5, "end": 1211.6599, "confidence": 0.9941316, "punctuated_word": "be", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "made", "start": 1211.6599, "end": 1211.82, "confidence": 0.99905556, "punctuated_word": "made", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "available", "start": 1211.82, "end": 1212.2999, "confidence": 0.99971765, "punctuated_word": "available", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "so", "start": 1212.2999, "end": 1212.46, "confidence": 0.45808393, "punctuated_word": "so", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1212.46, "end": 1212.62, "confidence": 0.9284608, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "consumer", "start": 1212.62, "end": 1213.0199, "confidence": 0.9994605, "punctuated_word": "consumer", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "can", "start": 1213.0199, "end": 1213.1799, "confidence": 0.7505701, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "not", "start": 1213.1799, "end": 1213.34, "confidence": 0.98602, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "only", "start": 1213.34, "end": 1213.58, "confidence": 0.9998902, "punctuated_word": "only", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "permission", "start": 1213.58, "end": 1213.8999, "confidence": 0.9913612, "punctuated_word": "permission", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "their", "start": 1213.8999, "end": 1214.0599, "confidence": 0.99904925, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "data", "start": 1214.0599, "end": 1214.46, "confidence": 0.95226324, "punctuated_word": "data,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "but", "start": 1214.46, "end": 1214.62, "confidence": 0.9992207, "punctuated_word": "but", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "there's", "start": 1214.62, "end": 1214.86, "confidence": 0.7943132, "punctuated_word": "there's", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "a", "start": 1214.86, "end": 1215.0199, "confidence": 0.99917775, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "standardized", "start": 1215.0199, "end": 1215.5, "confidence": 0.99801207, "punctuated_word": "standardized", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "way", "start": 1215.5, "end": 1215.74, "confidence": 0.9983071, "punctuated_word": "way", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "that", "start": 1215.74, "end": 1215.98, "confidence": 0.99777323, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "these", "start": 1215.98, "end": 1216.1399, "confidence": 0.9964102, "punctuated_word": "these", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "fintech", "start": 1216.1399, "end": 1216.46, "confidence": 0.95144415, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "firms", "start": 1216.46, "end": 1216.86, "confidence": 0.99938416, "punctuated_word": "firms", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "can", "start": 1216.86, "end": 1217.0199, "confidence": 0.99924564, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "get", "start": 1217.0199, "end": 1217.1799, "confidence": 0.99963474, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1217.1799, "end": 1217.2599, "confidence": 0.99647266, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "data", "start": 1217.2599, "end": 1217.74, "confidence": 0.99968517, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "so", "start": 1217.74, "end": 1217.865, "confidence": 0.81424767, "punctuated_word": "so", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "that", "start": 1217.945, "end": 1218.105, "confidence": 0.99914765, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "we", "start": 1218.105, "end": 1218.265, "confidence": 0.9995196, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "are", "start": 1218.265, "end": 1218.345, "confidence": 0.9942205, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "getting", "start": 1218.345, "end": 1218.585, "confidence": 0.99946576, "punctuated_word": "getting", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "rid", "start": 1218.585, "end": 1218.825, "confidence": 0.9995696, "punctuated_word": "rid", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "of", "start": 1218.825, "end": 1218.905, "confidence": 0.99614406, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "all", "start": 1218.905, "end": 1219.145, "confidence": 0.9989832, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1219.145, "end": 1219.3049, "confidence": 0.9903414, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "drag", "start": 1219.3049, "end": 1219.465, "confidence": 0.99170285, "punctuated_word": "drag", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "in", "start": 1219.465, "end": 1219.625, "confidence": 0.99014974, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1219.625, "end": 1219.705, "confidence": 0.99237204, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "system", "start": 1219.705, "end": 1220.105, "confidence": 0.845387, "punctuated_word": "system,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 1220.105, "end": 1220.345, "confidence": 0.99947387, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "it's", "start": 1220.345, "end": 1220.585, "confidence": 0.99340045, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "frictionless", "start": 1220.585, "end": 1221.085, "confidence": 0.98209596, "punctuated_word": "frictionless", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "for", "start": 1221.145, "end": 1221.3049, "confidence": 0.99935, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1221.3049, "end": 1221.465, "confidence": 0.9971718, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "consumer", "start": 1221.465, "end": 1221.965, "confidence": 0.9991982, "punctuated_word": "consumer.", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "contrast", "start": 1222.505, "end": 1222.985, "confidence": 0.998181, "punctuated_word": "Contrast", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "that", "start": 1222.985, "end": 1223.225, "confidence": 0.9990513, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 1223.225, "end": 1223.705, "confidence": 0.997813, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1223.705, "end": 1224.025, "confidence": 0.96656555, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "us", "start": 1224.025, "end": 1224.505, "confidence": 0.91734284, "punctuated_word": "US,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "right", "start": 1224.505, "end": 1224.905, "confidence": 0.9772317, "punctuated_word": "right,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "where", "start": 1224.905, "end": 1225.405, "confidence": 0.99892324, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "we", "start": 1226.425, "end": 1226.665, "confidence": 0.99591595, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "have", "start": 1226.665, "end": 1226.825, "confidence": 0.999561, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "a", "start": 1226.825, "end": 1226.985, "confidence": 0.99948895, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "really", "start": 1226.985, "end": 1227.465, "confidence": 0.9997805, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "fragmented", "start": 1227.465, "end": 1227.965, "confidence": 0.99974495, "punctuated_word": "fragmented", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "regulatory", "start": 1228.1849, "end": 1228.6849, "confidence": 0.9980118, "punctuated_word": "regulatory", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "system", "start": 1228.745, "end": 1229.245, "confidence": 0.9998234, "punctuated_word": "system", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "that", "start": 1229.625, "end": 1229.945, "confidence": 0.9878592, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "came", "start": 1229.945, "end": 1230.1849, "confidence": 0.9998554, "punctuated_word": "came", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "about", "start": 1230.1849, "end": 1230.585, "confidence": 0.9990797, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "after", "start": 1230.585, "end": 1230.905, "confidence": 0.99882597, "punctuated_word": "after", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "two", "start": 1230.905, "end": 1231.145, "confidence": 0.999424, "punctuated_word": "two", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 1231.145, "end": 1231.225, "confidence": 0.997563, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "a", "start": 1231.225, "end": 1231.3049, "confidence": 0.98439145, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "half", "start": 1231.3049, "end": 1231.465, "confidence": 0.9999516, "punctuated_word": "half", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "centuries", "start": 1231.465, "end": 1231.965, "confidence": 0.9995352, "punctuated_word": "centuries", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "of", "start": 1232.025, "end": 1232.525, "confidence": 0.9994618, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "securities", "start": 1232.745, "end": 1233.245, "confidence": 0.99831736, "punctuated_word": "securities", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "laws", "start": 1233.3049, "end": 1233.66, "confidence": 0.94277644, "punctuated_word": "laws", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "and", "start": 1233.8201, "end": 1234.14, "confidence": 0.9980484, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "bank", "start": 1234.14, "end": 1234.38, "confidence": 0.9993279, "punctuated_word": "bank", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "laws", "start": 1234.38, "end": 1234.7001, "confidence": 0.9996594, "punctuated_word": "laws", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "and", "start": 1234.7001, "end": 1234.9401, "confidence": 0.97988784, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "technology", "start": 1234.9401, "end": 1235.4401, "confidence": 0.9998441, "punctuated_word": "technology", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "laws", "start": 1235.5, "end": 1235.74, "confidence": 0.998884, "punctuated_word": "laws", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "and", "start": 1235.74, "end": 1235.9, "confidence": 0.99540114, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "privacy", "start": 1235.9, "end": 1236.3, "confidence": 0.9997614, "punctuated_word": "privacy", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "laws", "start": 1236.3, "end": 1236.8, "confidence": 0.9243041, "punctuated_word": "laws.", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "we", "start": 1237.74, "end": 1237.98, "confidence": 0.9970373, "punctuated_word": "We", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "also", "start": 1237.98, "end": 1238.3, "confidence": 0.99940276, "punctuated_word": "also", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "have", "start": 1238.3, "end": 1238.8, "confidence": 0.99979335, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "6,000", "start": 1238.9401, "end": 1239.5801, "confidence": 0.9993415, "punctuated_word": "6,000", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "financial", "start": 1239.5801, "end": 1239.98, "confidence": 0.9956174, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "institutions", "start": 1239.98, "end": 1240.38, "confidence": 0.99868745, "punctuated_word": "institutions", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "in", "start": 1240.38, "end": 1240.54, "confidence": 0.99632806, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "this", "start": 1240.54, "end": 1240.7001, "confidence": 0.99958986, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "country", "start": 1240.7001, "end": 1241.02, "confidence": 0.9998472, "punctuated_word": "country", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "as", "start": 1241.02, "end": 1241.18, "confidence": 0.88968307, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "opposed", "start": 1241.18, "end": 1241.5801, "confidence": 0.9986933, "punctuated_word": "opposed", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "to", "start": 1241.5801, "end": 1241.9, "confidence": 0.9993462, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "a", "start": 1241.9, "end": 1241.98, "confidence": 0.9992386, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "few", "start": 1241.98, "end": 1242.2201, "confidence": 0.999742, "punctuated_word": "few", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "dozen", "start": 1242.2201, "end": 1242.7201, "confidence": 0.99900335, "punctuated_word": "dozen", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "in", "start": 1242.78, "end": 1242.86, "confidence": 0.9338443, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "europe", "start": 1242.86, "end": 1243.36, "confidence": 0.9967488, "punctuated_word": "Europe.", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "it's", "start": 1243.8201, "end": 1244.06, "confidence": 0.9947643, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "really", "start": 1244.06, "end": 1244.3, "confidence": 0.9998136, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "hard", "start": 1244.3, "end": 1244.54, "confidence": 0.99968255, "punctuated_word": "hard", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "to", "start": 1244.54, "end": 1244.7001, "confidence": 0.9999386, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "get", "start": 1244.7001, "end": 1244.86, "confidence": 0.99993646, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "consensus", "start": 1244.86, "end": 1245.3401, "confidence": 0.99287367, "punctuated_word": "consensus", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "here", "start": 1245.3401, "end": 1245.8401, "confidence": 0.88086975, "punctuated_word": "here.", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "and", "start": 1245.98, "end": 1246.14, "confidence": 0.9991875, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "the", "start": 1246.14, "end": 1246.2201, "confidence": 0.9998524, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "regulators", "start": 1246.2201, "end": 1246.7201, "confidence": 0.9997557, "punctuated_word": "regulators", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "in", "start": 1246.78, "end": 1246.9401, "confidence": 0.99816364, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "the", "start": 1246.9401, "end": 1247.1, "confidence": 0.99973184, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "us", "start": 1247.1, "end": 1247.5801, "confidence": 0.99918157, "punctuated_word": "US", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "and", "start": 1247.5801, "end": 1247.74, "confidence": 0.9773491, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "congress", "start": 1247.74, "end": 1248.24, "confidence": 0.5225723, "punctuated_word": "congress", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "are", "start": 1248.805, "end": 1249.125, "confidence": 0.99995303, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "really", "start": 1249.125, "end": 1249.4451, "confidence": 0.99983025, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "wrestling", "start": 1249.4451, "end": 1249.925, "confidence": 0.99970263, "punctuated_word": "wrestling", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "with", "start": 1249.925, "end": 1250.425, "confidence": 0.99959546, "punctuated_word": "with", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "what", "start": 1250.965, "end": 1251.125, "confidence": 0.70409477, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.51822 }, { "word": "is", "start": 1251.125, "end": 1251.285, "confidence": 0.9995509, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.51822 }, { "word": "our", "start": 1251.285, "end": 1251.4451, "confidence": 0.97347766, "punctuated_word": "our", "speaker": 1, "speaker_confidence": 0.51822 }, { "word": "role", "start": 1251.4451, "end": 1251.685, "confidence": 0.99788326, "punctuated_word": "role", "speaker": 1, "speaker_confidence": 0.51822 }, { "word": "here", "start": 1251.685, "end": 1251.925, "confidence": 0.99947816, "punctuated_word": "here", "speaker": 1, "speaker_confidence": 0.51822 }, { "word": "in", "start": 1251.925, "end": 1252.085, "confidence": 0.99960655, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.51822 }, { "word": "the", "start": 1252.085, "end": 1252.165, "confidence": 0.9997255, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "first", "start": 1252.165, "end": 1252.3251, "confidence": 0.9998654, "punctuated_word": "first", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "place", "start": 1252.3251, "end": 1252.8251, "confidence": 0.91222334, "punctuated_word": "place.", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "and", "start": 1252.885, "end": 1253.125, "confidence": 0.9996979, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "even", "start": 1253.125, "end": 1253.365, "confidence": 0.9998877, "punctuated_word": "even", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "if", "start": 1253.365, "end": 1253.605, "confidence": 0.99983764, "punctuated_word": "if", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "we", "start": 1253.605, "end": 1254.005, "confidence": 0.9999155, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "have", "start": 1254.005, "end": 1254.165, "confidence": 0.99991083, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "a", "start": 1254.165, "end": 1254.3251, "confidence": 0.99611205, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "role", "start": 1254.3251, "end": 1254.645, "confidence": 0.9947014, "punctuated_word": "role,", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "we", "start": 1254.645, "end": 1254.805, "confidence": 0.9997365, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "have", "start": 1254.805, "end": 1254.965, "confidence": 0.9998586, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "to", "start": 1254.965, "end": 1255.2051, "confidence": 0.81787515, "punctuated_word": "to,", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "i", "start": 1255.2051, "end": 1255.4451, "confidence": 0.73288614, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "i", "start": 1255.4451, "end": 1255.765, "confidence": 0.83988166, "punctuated_word": "I,", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "recognize", "start": 1256.3251, "end": 1256.725, "confidence": 0.99378043, "punctuated_word": "recognize", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "that", "start": 1256.725, "end": 1256.965, "confidence": 0.9991326, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "it's", "start": 1256.965, "end": 1257.365, "confidence": 0.99985456, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "just", "start": 1257.365, "end": 1257.765, "confidence": 0.9996822, "punctuated_word": "just", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "a", "start": 1257.765, "end": 1257.925, "confidence": 0.9996929, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "sliver", "start": 1257.925, "end": 1258.425, "confidence": 0.99961793, "punctuated_word": "sliver", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "of", "start": 1258.725, "end": 1258.965, "confidence": 0.99973994, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "the", "start": 1258.965, "end": 1259.045, "confidence": 0.99949086, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "entire", "start": 1259.045, "end": 1259.525, "confidence": 0.99995637, "punctuated_word": "entire", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "ecosystem", "start": 1259.525, "end": 1260.025, "confidence": 0.98724675, "punctuated_word": "ecosystem,", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "which", "start": 1260.805, "end": 1261.045, "confidence": 0.99973947, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "means", "start": 1261.045, "end": 1261.285, "confidence": 0.99925846, "punctuated_word": "means", "speaker": 1, "speaker_confidence": 0.3527056 }, { "word": "it's", "start": 1261.285, "end": 1261.365, "confidence": 0.99868095, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.3527056 }, { "word": "kind", "start": 1261.365, "end": 1261.605, "confidence": 0.8633234, "punctuated_word": "kind", "speaker": 1, "speaker_confidence": 0.3527056 }, { "word": "of", "start": 1261.605, "end": 1261.685, "confidence": 0.998278, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.3527056 }, { "word": "been", "start": 1261.685, "end": 1261.845, "confidence": 0.98064786, "punctuated_word": "been", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "a", "start": 1261.845, "end": 1261.925, "confidence": 0.9978865, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "free", "start": 1261.925, "end": 1262.085, "confidence": 0.9993555, "punctuated_word": "free", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "for", "start": 1262.085, "end": 1262.245, "confidence": 0.9956938, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "all", "start": 1262.245, "end": 1262.405, "confidence": 0.99813795, "punctuated_word": "all.", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "right", "start": 1262.405, "end": 1262.645, "confidence": 0.9969567, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "the", "start": 1262.645, "end": 1262.885, "confidence": 0.9977204, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "the", "start": 1262.885, "end": 1262.965, "confidence": 0.98154366, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "market", "start": 1262.965, "end": 1263.285, "confidence": 0.9994173, "punctuated_word": "market", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "itself", "start": 1263.285, "end": 1263.605, "confidence": 0.9992403, "punctuated_word": "itself", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "has", "start": 1263.605, "end": 1263.84, "confidence": 0.97567457, "punctuated_word": "has", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "been", "start": 1263.84, "end": 1264.0, "confidence": 0.9984555, "punctuated_word": "been", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "dictating", "start": 1264.0, "end": 1264.32, "confidence": 0.99982053, "punctuated_word": "dictating", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "the", "start": 1264.32, "end": 1264.5599, "confidence": 0.9979703, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "terms", "start": 1264.5599, "end": 1264.7999, "confidence": 0.9998845, "punctuated_word": "terms", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "here", "start": 1264.7999, "end": 1265.2999, "confidence": 0.99984026, "punctuated_word": "here.", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "what", "start": 1265.6, "end": 1265.76, "confidence": 0.99987507, "punctuated_word": "What", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "we're", "start": 1265.76, "end": 1266.0, "confidence": 0.99987835, "punctuated_word": "we're", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "seeing", "start": 1266.0, "end": 1266.4, "confidence": 0.9998534, "punctuated_word": "seeing", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "now", "start": 1266.4, "end": 1266.7999, "confidence": 0.99968827, "punctuated_word": "now", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "is", "start": 1266.7999, "end": 1267.2999, "confidence": 0.99956506, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "increasingly", "start": 1267.36, "end": 1267.86, "confidence": 0.5524236, "punctuated_word": "increasingly,", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "financial", "start": 1268.32, "end": 1268.72, "confidence": 0.9465131, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "institutions", "start": 1268.72, "end": 1269.22, "confidence": 0.99984264, "punctuated_word": "institutions", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "are", "start": 1269.2799, "end": 1269.52, "confidence": 0.99967694, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "recognizing", "start": 1269.52, "end": 1270.0, "confidence": 0.9992331, "punctuated_word": "recognizing", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "fintech", "start": 1270.0, "end": 1270.4, "confidence": 0.9452197, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "as", "start": 1270.4, "end": 1270.5599, "confidence": 0.9939242, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "competition", "start": 1270.5599, "end": 1271.0599, "confidence": 0.9356156, "punctuated_word": "competition,", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "and", "start": 1271.76, "end": 1272.24, "confidence": 0.999406, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "they", "start": 1272.24, "end": 1272.4, "confidence": 0.9997732, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "have", "start": 1272.4, "end": 1272.64, "confidence": 0.99994385, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "the", "start": 1272.64, "end": 1272.7999, "confidence": 0.99938023, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "right", "start": 1272.7999, "end": 1273.0399, "confidence": 0.9999268, "punctuated_word": "right", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "here", "start": 1273.0399, "end": 1273.2, "confidence": 0.9995987, "punctuated_word": "here", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "to", "start": 1273.2, "end": 1273.36, "confidence": 0.9997708, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "say", "start": 1273.36, "end": 1273.84, "confidence": 0.99974066, "punctuated_word": "say", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "what", "start": 1273.84, "end": 1274.08, "confidence": 0.9918509, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "data", "start": 1274.08, "end": 1274.4, "confidence": 0.9980323, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "they", "start": 1274.4, "end": 1274.5599, "confidence": 0.99946505, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "will", "start": 1274.5599, "end": 1274.7999, "confidence": 0.99995947, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "and", "start": 1274.7999, "end": 1274.96, "confidence": 0.9993382, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "will", "start": 1274.96, "end": 1275.12, "confidence": 0.99956733, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "not", "start": 1275.12, "end": 1275.36, "confidence": 0.999884, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "share", "start": 1275.36, "end": 1275.86, "confidence": 0.99782944, "punctuated_word": "share.", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "contrast", "start": 1276.695, "end": 1277.095, "confidence": 0.9949567, "punctuated_word": "Contrast", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "it", "start": 1277.095, "end": 1277.1749, "confidence": 0.76073545, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "to", "start": 1277.1749, "end": 1277.335, "confidence": 0.99819344, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "the", "start": 1277.335, "end": 1277.4149, "confidence": 0.996316, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "eu", "start": 1277.4149, "end": 1277.6549, "confidence": 0.9977197, "punctuated_word": "EU", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "where", "start": 1277.6549, "end": 1277.815, "confidence": 0.54152155, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "they", "start": 1277.815, "end": 1277.975, "confidence": 0.99969673, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "don't", "start": 1277.975, "end": 1278.135, "confidence": 0.9999591, "punctuated_word": "don't", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "have", "start": 1278.135, "end": 1278.2949, "confidence": 0.9996474, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "that", "start": 1278.2949, "end": 1278.455, "confidence": 0.99939346, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "right", "start": 1278.455, "end": 1278.695, "confidence": 0.9427668, "punctuated_word": "right,", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "it", "start": 1278.695, "end": 1278.7749, "confidence": 0.9927517, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "means", "start": 1278.7749, "end": 1279.015, "confidence": 0.99970585, "punctuated_word": "means", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "that", "start": 1279.015, "end": 1279.095, "confidence": 0.9888916, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "it's", "start": 1279.095, "end": 1279.335, "confidence": 0.9993957, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "a", "start": 1279.335, "end": 1279.495, "confidence": 0.99805236, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "much", "start": 1279.495, "end": 1279.6549, "confidence": 0.99981874, "punctuated_word": "much", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "more", "start": 1279.6549, "end": 1280.1549, "confidence": 0.9965334, "punctuated_word": "more", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "friction", "start": 1280.5349, "end": 1280.9349, "confidence": 0.99907184, "punctuated_word": "friction", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "full", "start": 1280.9349, "end": 1281.255, "confidence": 0.68937445, "punctuated_word": "full", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "sure", "start": 1281.575, "end": 1281.815, "confidence": 0.996513, "punctuated_word": "Sure.", "speaker": 2, "speaker_confidence": 0.0 }, { "word": "experience", "start": 1281.8949, "end": 1282.2949, "confidence": 0.99661833, "punctuated_word": "Experience", "speaker": 1, "speaker_confidence": 0.081876874 }, { "word": "yeah", "start": 1282.615, "end": 1282.9349, "confidence": 0.9979048, "punctuated_word": "Yeah.", "speaker": 1, "speaker_confidence": 0.0 }, { "word": "for", "start": 1283.1749, "end": 1283.335, "confidence": 0.9997843, "punctuated_word": "For", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1283.335, "end": 1283.495, "confidence": 0.9995859, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "consumer", "start": 1283.495, "end": 1283.975, "confidence": 0.9997938, "punctuated_word": "consumer", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "here", "start": 1283.975, "end": 1284.455, "confidence": 0.9769529, "punctuated_word": "here,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "which", "start": 1284.455, "end": 1284.695, "confidence": 0.9996, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "is", "start": 1284.695, "end": 1284.9349, "confidence": 0.99953985, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "why", "start": 1284.9349, "end": 1285.4149, "confidence": 0.9909603, "punctuated_word": "why", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "yodlee", "start": 1285.4149, "end": 1285.9149, "confidence": 0.98712, "punctuated_word": "Yodlee", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 1285.975, "end": 1286.455, "confidence": 0.9961802, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "20", "start": 1286.455, "end": 1286.855, "confidence": 0.9863028, "punctuated_word": "20", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "or", "start": 1286.855, "end": 1287.1749, "confidence": 0.97882426, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "so", "start": 1287.1749, "end": 1287.4149, "confidence": 0.9990134, "punctuated_word": "so", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "other", "start": 1287.4149, "end": 1287.855, "confidence": 0.97810465, "punctuated_word": "other,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "fintech", "start": 1288.2949, "end": 1288.695, "confidence": 0.9869366, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "companies", "start": 1288.695, "end": 1289.195, "confidence": 0.8691353, "punctuated_word": "companies,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "we", "start": 1289.335, "end": 1289.4149, "confidence": 0.9881616, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "call", "start": 1289.4149, "end": 1289.6549, "confidence": 0.99909174, "punctuated_word": "call", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "ourselves", "start": 1289.6549, "end": 1290.135, "confidence": 0.9992557, "punctuated_word": "ourselves", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1290.135, "end": 1290.375, "confidence": 0.80162823, "punctuated_word": "the,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "consumer", "start": 1290.5349, "end": 1291.015, "confidence": 0.67739004, "punctuated_word": "Consumer", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "financial", "start": 1291.015, "end": 1291.4149, "confidence": 0.9995284, "punctuated_word": "Financial", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "data", "start": 1291.4149, "end": 1291.77, "confidence": 0.9891788, "punctuated_word": "Data", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "rights", "start": 1291.77, "end": 1292.01, "confidence": 0.993874, "punctuated_word": "Rights", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "coalition", "start": 1292.01, "end": 1292.51, "confidence": 0.9347099, "punctuated_word": "Coalition,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "are", "start": 1292.81, "end": 1293.05, "confidence": 0.99836856, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "really", "start": 1293.05, "end": 1293.4501, "confidence": 0.9998074, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "evangelical", "start": 1293.4501, "end": 1293.9501, "confidence": 0.9984427, "punctuated_word": "evangelical", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "about", "start": 1294.17, "end": 1294.41, "confidence": 0.99983776, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "this", "start": 1294.41, "end": 1294.65, "confidence": 0.9996666, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "idea", "start": 1294.65, "end": 1295.05, "confidence": 0.9999559, "punctuated_word": "idea", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "that", "start": 1295.05, "end": 1295.55, "confidence": 0.9966009, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "it's", "start": 1295.6901, "end": 1295.93, "confidence": 0.9943689, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "not", "start": 1295.93, "end": 1296.09, "confidence": 0.9999298, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1296.09, "end": 1296.25, "confidence": 0.9996117, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "bank's", "start": 1296.25, "end": 1296.5701, "confidence": 0.9748414, "punctuated_word": "bank's", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "data", "start": 1296.5701, "end": 1296.81, "confidence": 0.99951196, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 1296.81, "end": 1296.97, "confidence": 0.9988109, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "decide", "start": 1296.97, "end": 1297.29, "confidence": 0.999856, "punctuated_word": "decide", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "whether", "start": 1297.29, "end": 1297.53, "confidence": 0.9996854, "punctuated_word": "whether", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 1297.53, "end": 1297.6901, "confidence": 0.9965217, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "share", "start": 1297.6901, "end": 1297.93, "confidence": 0.99970216, "punctuated_word": "share", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "or", "start": 1297.93, "end": 1298.01, "confidence": 0.9943936, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "not", "start": 1298.01, "end": 1298.3301, "confidence": 0.79575557, "punctuated_word": "not.", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "it's", "start": 1298.3301, "end": 1298.5701, "confidence": 0.9995652, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1298.5701, "end": 1298.65, "confidence": 0.99657226, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "consumers", "start": 1298.65, "end": 1299.15, "confidence": 0.7692268, "punctuated_word": "consumers.", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 1299.61, "end": 1299.85, "confidence": 0.997818, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "in", "start": 1299.85, "end": 1300.01, "confidence": 0.99730253, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "an", "start": 1300.01, "end": 1300.17, "confidence": 0.9850344, "punctuated_word": "an", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "environment", "start": 1300.17, "end": 1300.67, "confidence": 0.99752873, "punctuated_word": "environment", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "like", "start": 1300.89, "end": 1301.05, "confidence": 0.95811564, "punctuated_word": "like", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "in", "start": 1301.05, "end": 1301.21, "confidence": 0.9925007, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "europe", "start": 1301.21, "end": 1301.71, "confidence": 0.9991497, "punctuated_word": "Europe,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "like", "start": 1301.77, "end": 1302.01, "confidence": 0.99991643, "punctuated_word": "like", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "in", "start": 1302.01, "end": 1302.09, "confidence": 0.9965815, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1302.09, "end": 1302.25, "confidence": 0.9997116, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "uk", "start": 1302.25, "end": 1302.75, "confidence": 0.90846336, "punctuated_word": "UK,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "where", "start": 1303.05, "end": 1303.29, "confidence": 0.9995315, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "consumers", "start": 1303.29, "end": 1303.79, "confidence": 0.9998733, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "have", "start": 1303.85, "end": 1304.01, "confidence": 0.99986196, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1304.01, "end": 1304.17, "confidence": 0.99908173, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "right", "start": 1304.17, "end": 1304.41, "confidence": 0.99995804, "punctuated_word": "right", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 1304.41, "end": 1304.49, "confidence": 0.9994516, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "share", "start": 1304.49, "end": 1304.73, "confidence": 0.99958664, "punctuated_word": "share", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "their", "start": 1304.73, "end": 1304.89, "confidence": 0.99965775, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "data", "start": 1304.89, "end": 1305.21, "confidence": 0.9999244, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "to", "start": 1305.21, "end": 1305.37, "confidence": 0.99781597, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "these", "start": 1305.37, "end": 1305.6901, "confidence": 0.99959165, "punctuated_word": "these", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "technology", "start": 1305.6901, "end": 1306.17, "confidence": 0.9998379, "punctuated_word": "technology", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "tools", "start": 1306.17, "end": 1306.67, "confidence": 0.9976101, "punctuated_word": "tools,", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "they", "start": 1306.81, "end": 1306.97, "confidence": 0.99937433, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "can", "start": 1306.97, "end": 1307.21, "confidence": 0.9964245, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "really", "start": 1307.21, "end": 1307.4501, "confidence": 0.99973994, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "take", "start": 1307.4501, "end": 1307.655, "confidence": 0.9994092, "punctuated_word": "take", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "advantage", "start": 1307.8151, "end": 1308.135, "confidence": 0.99952245, "punctuated_word": "advantage", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "of", "start": 1308.135, "end": 1308.635, "confidence": 0.99983215, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "important", "start": 1308.775, "end": 1309.275, "confidence": 0.9171228, "punctuated_word": "important,", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "important", "start": 1309.3351, "end": 1309.735, "confidence": 0.99672276, "punctuated_word": "important,", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "important", "start": 1309.735, "end": 1310.2151, "confidence": 0.9926673, "punctuated_word": "important,", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "tools", "start": 1310.615, "end": 1310.935, "confidence": 0.9997756, "punctuated_word": "tools", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "that", "start": 1310.935, "end": 1311.015, "confidence": 0.99899346, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "can", "start": 1311.015, "end": 1311.175, "confidence": 0.9909717, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.42038548 }, { "word": "help", "start": 1311.175, "end": 1311.3351, "confidence": 0.99985075, "punctuated_word": "help", "speaker": 1, "speaker_confidence": 0.42038548 }, { "word": "them", "start": 1311.3351, "end": 1311.495, "confidence": 0.99080527, "punctuated_word": "them", "speaker": 1, "speaker_confidence": 0.42038548 }, { "word": "improve", "start": 1311.495, "end": 1311.8151, "confidence": 0.99924386, "punctuated_word": "improve", "speaker": 1, "speaker_confidence": 0.42038548 }, { "word": "their", "start": 1311.8151, "end": 1311.975, "confidence": 0.99967885, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.42038548 }, { "word": "financial", "start": 1311.975, "end": 1312.375, "confidence": 0.9994221, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.42038548 }, { "word": "well-being", "start": 1312.375, "end": 1312.875, "confidence": 0.99924886, "punctuated_word": "well-being.", "speaker": 1, "speaker_confidence": 0.42038548 }, { "word": "so", "start": 1313.3351, "end": 1313.8151, "confidence": 0.9991493, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "that", "start": 1313.8151, "end": 1313.975, "confidence": 0.9973278, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "was", "start": 1313.975, "end": 1314.0549, "confidence": 0.9998809, "punctuated_word": "was", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "a", "start": 1314.0549, "end": 1314.135, "confidence": 0.9970925, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "really", "start": 1314.135, "end": 1314.375, "confidence": 0.99989426, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "long", "start": 1314.375, "end": 1314.535, "confidence": 0.99989724, "punctuated_word": "long", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "answer", "start": 1314.535, "end": 1314.775, "confidence": 0.9998136, "punctuated_word": "answer", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "to", "start": 1314.775, "end": 1314.935, "confidence": 0.9991503, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "a", "start": 1314.935, "end": 1315.015, "confidence": 0.9667841, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "really", "start": 1315.015, "end": 1315.175, "confidence": 0.998312, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "short", "start": 1315.175, "end": 1315.415, "confidence": 0.98398983, "punctuated_word": "short", "speaker": 2, "speaker_confidence": 0.394759 }, { "word": "question", "start": 1315.415, "end": 1315.655, "confidence": 0.98322546, "punctuated_word": "question.", "speaker": 2, "speaker_confidence": 0.394759 }, { "word": "that", "start": 1315.655, "end": 1315.8151, "confidence": 0.8061259, "punctuated_word": "That", "speaker": 2, "speaker_confidence": 0.394759 }, { "word": "was", "start": 1315.8151, "end": 1315.975, "confidence": 0.95401204, "punctuated_word": "was", "speaker": 2, "speaker_confidence": 0.394759 }, { "word": "really", "start": 1315.975, "end": 1316.135, "confidence": 0.9959992, "punctuated_word": "really", "speaker": 2, "speaker_confidence": 0.394759 }, { "word": "helpful", "start": 1316.135, "end": 1316.535, "confidence": 0.9995675, "punctuated_word": "helpful.", "speaker": 2, "speaker_confidence": 0.394759 }, { "word": "do", "start": 1316.535, "end": 1316.6951, "confidence": 0.9983851, "punctuated_word": "Do", "speaker": 2, "speaker_confidence": 0.6383335 }, { "word": "you", "start": 1316.6951, "end": 1316.855, "confidence": 0.9992034, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.6383335 }, { "word": "think", "start": 1316.855, "end": 1317.015, "confidence": 0.99888223, "punctuated_word": "think", "speaker": 2, "speaker_confidence": 0.6383335 }, { "word": "the", "start": 1317.015, "end": 1317.255, "confidence": 0.9954086, "punctuated_word": "The", "speaker": 2, "speaker_confidence": 0.6383335 }, { "word": "us", "start": 1317.255, "end": 1317.5751, "confidence": 0.9974776, "punctuated_word": "US", "speaker": 2, "speaker_confidence": 0.6383335 }, { "word": "is", "start": 1317.5751, "end": 1317.895, "confidence": 0.9969893, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.6383335 }, { "word": "is", "start": 1317.895, "end": 1318.055, "confidence": 0.9966468, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.6383335 }, { "word": "getting", "start": 1318.055, "end": 1318.4551, "confidence": 0.9994862, "punctuated_word": "getting", "speaker": 2, "speaker_confidence": 0.6383335 }, { "word": "there", "start": 1318.4551, "end": 1318.775, "confidence": 0.98536086, "punctuated_word": "there?", "speaker": 2, "speaker_confidence": 0.6383335 }, { "word": "do", "start": 1318.775, "end": 1318.935, "confidence": 0.9863018, "punctuated_word": "Do", "speaker": 2, "speaker_confidence": 0.4692983 }, { "word": "you", "start": 1318.935, "end": 1319.015, "confidence": 0.9991542, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.4692983 }, { "word": "think", "start": 1319.015, "end": 1319.255, "confidence": 0.9985043, "punctuated_word": "think", "speaker": 2, "speaker_confidence": 0.4692983 }, { "word": "that", "start": 1319.255, "end": 1319.495, "confidence": 0.99902785, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.4692983 }, { "word": "there", "start": 1319.495, "end": 1319.655, "confidence": 0.9981085, "punctuated_word": "there", "speaker": 2, "speaker_confidence": 0.4692983 }, { "word": "is", "start": 1319.655, "end": 1319.975, "confidence": 0.99802744, "punctuated_word": "is,", "speaker": 2, "speaker_confidence": 0.4692983 }, { "word": "you", "start": 1319.975, "end": 1320.055, "confidence": 0.99827826, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.50399363 }, { "word": "know", "start": 1320.055, "end": 1320.535, "confidence": 0.99887586, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.50399363 }, { "word": "potential", "start": 1320.535, "end": 1321.035, "confidence": 0.9967198, "punctuated_word": "potential", "speaker": 2, "speaker_confidence": 0.50399363 }, { "word": "for", "start": 1321.175, "end": 1321.3351, "confidence": 0.98857635, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.50399363 }, { "word": "that", "start": 1321.3351, "end": 1321.415, "confidence": 0.98830926, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.50399363 }, { "word": "to", "start": 1321.415, "end": 1321.59, "confidence": 0.86223364, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.50399363 }, { "word": "be", "start": 1321.6699, "end": 1321.71, "confidence": 0.94774026, "punctuated_word": "be", "speaker": 2, "speaker_confidence": 0.50399363 }, { "word": "the", "start": 1321.71, "end": 1321.75, "confidence": 0.96570677, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.61291313 }, { "word": "case", "start": 1321.75, "end": 1321.99, "confidence": 0.9744376, "punctuated_word": "case?", "speaker": 2, "speaker_confidence": 0.61291313 }, { "word": "because", "start": 1321.99, "end": 1322.3099, "confidence": 0.71440303, "punctuated_word": "Because,", "speaker": 2, "speaker_confidence": 0.61291313 }, { "word": "obviously", "start": 1322.3099, "end": 1322.71, "confidence": 0.99846727, "punctuated_word": "obviously,", "speaker": 2, "speaker_confidence": 0.61291313 }, { "word": "the", "start": 1322.71, "end": 1323.0299, "confidence": 0.95898336, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.61291313 }, { "word": "the", "start": 1323.0299, "end": 1323.19, "confidence": 0.98543775, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.61291313 }, { "word": "talking", "start": 1323.19, "end": 1323.51, "confidence": 0.9984856, "punctuated_word": "talking", "speaker": 2, "speaker_confidence": 0.61291313 }, { "word": "point", "start": 1323.51, "end": 1323.6699, "confidence": 0.9989672, "punctuated_word": "point", "speaker": 2, "speaker_confidence": 0.61291313 }, { "word": "of", "start": 1323.6699, "end": 1323.9099, "confidence": 0.96668696, "punctuated_word": "of,", "speaker": 2, "speaker_confidence": 0.61291313 }, { "word": "you", "start": 1323.9099, "end": 1323.99, "confidence": 0.9995902, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.66432637 }, { "word": "know", "start": 1323.99, "end": 1324.07, "confidence": 0.9981246, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.66432637 }, { "word": "it's", "start": 1324.07, "end": 1324.3099, "confidence": 0.9975126, "punctuated_word": "it's", "speaker": 2, "speaker_confidence": 0.66432637 }, { "word": "the", "start": 1324.3099, "end": 1324.5499, "confidence": 0.9987809, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.66432637 }, { "word": "consumer's", "start": 1324.5499, "end": 1324.95, "confidence": 0.7765691, "punctuated_word": "consumer's", "speaker": 2, "speaker_confidence": 0.66432637 }, { "word": "data", "start": 1324.95, "end": 1325.19, "confidence": 0.7563525, "punctuated_word": "data,", "speaker": 2, "speaker_confidence": 0.66432637 }, { "word": "it's", "start": 1325.19, "end": 1325.27, "confidence": 0.9761019, "punctuated_word": "it's", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "not", "start": 1325.27, "end": 1325.51, "confidence": 0.99919945, "punctuated_word": "not", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "the", "start": 1325.51, "end": 1325.59, "confidence": 0.99707437, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "bank's", "start": 1325.59, "end": 1325.83, "confidence": 0.9484873, "punctuated_word": "bank's", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "data", "start": 1325.83, "end": 1325.99, "confidence": 0.7036907, "punctuated_word": "data.", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "it's", "start": 1325.99, "end": 1326.07, "confidence": 0.9824288, "punctuated_word": "It's", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "probably", "start": 1326.07, "end": 1326.39, "confidence": 0.99880195, "punctuated_word": "probably", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "gonna", "start": 1326.39, "end": 1326.63, "confidence": 0.9891164, "punctuated_word": "gonna", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "resonate", "start": 1326.63, "end": 1327.0299, "confidence": 0.99942684, "punctuated_word": "resonate", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "with", "start": 1327.0299, "end": 1327.19, "confidence": 0.99957114, "punctuated_word": "with", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "a", "start": 1327.19, "end": 1327.27, "confidence": 0.99939215, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "lot", "start": 1327.27, "end": 1327.4299, "confidence": 0.99967813, "punctuated_word": "lot", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "of", "start": 1327.4299, "end": 1327.59, "confidence": 0.9991241, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "folks", "start": 1327.59, "end": 1327.99, "confidence": 0.9628749, "punctuated_word": "folks.", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "but", "start": 1327.99, "end": 1328.07, "confidence": 0.9991418, "punctuated_word": "But", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "then", "start": 1328.07, "end": 1328.23, "confidence": 0.9892693, "punctuated_word": "then", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "you'll", "start": 1328.23, "end": 1328.47, "confidence": 0.9171133, "punctuated_word": "you'll", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "also", "start": 1328.47, "end": 1328.71, "confidence": 0.9992106, "punctuated_word": "also", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "get", "start": 1328.71, "end": 1328.87, "confidence": 0.9995734, "punctuated_word": "get", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "some", "start": 1328.87, "end": 1329.11, "confidence": 0.9989507, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "people", "start": 1329.11, "end": 1329.35, "confidence": 0.99992406, "punctuated_word": "people", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "saying", "start": 1329.35, "end": 1329.59, "confidence": 0.99171424, "punctuated_word": "saying,", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "well", "start": 1329.59, "end": 1329.83, "confidence": 0.9976134, "punctuated_word": "well,", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "even", "start": 1329.83, "end": 1330.07, "confidence": 0.99933606, "punctuated_word": "even", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "when", "start": 1330.07, "end": 1330.23, "confidence": 0.9964323, "punctuated_word": "when", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "a", "start": 1330.23, "end": 1330.39, "confidence": 0.9913995, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "consumer", "start": 1330.39, "end": 1330.89, "confidence": 0.999673, "punctuated_word": "consumer", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "has", "start": 1331.19, "end": 1331.4299, "confidence": 0.999642, "punctuated_word": "has", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "control", "start": 1331.4299, "end": 1331.75, "confidence": 0.9991774, "punctuated_word": "control", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "of", "start": 1331.75, "end": 1331.9099, "confidence": 0.86284053, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "their", "start": 1331.9099, "end": 1332.07, "confidence": 0.9995609, "punctuated_word": "their", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "data", "start": 1332.07, "end": 1332.39, "confidence": 0.99986506, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "with", "start": 1332.39, "end": 1332.63, "confidence": 0.8291707, "punctuated_word": "with", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "stuff", "start": 1332.63, "end": 1332.87, "confidence": 0.9995035, "punctuated_word": "stuff", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "like", "start": 1332.87, "end": 1333.11, "confidence": 0.95465946, "punctuated_word": "like", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "financial", "start": 1333.11, "end": 1333.59, "confidence": 0.9990478, "punctuated_word": "financial", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "data", "start": 1333.59, "end": 1334.07, "confidence": 0.9829298, "punctuated_word": "data,", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "it's", "start": 1334.07, "end": 1334.23, "confidence": 0.9984243, "punctuated_word": "it's", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "hard", "start": 1334.23, "end": 1334.475, "confidence": 0.99977154, "punctuated_word": "hard", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "to", "start": 1334.475, "end": 1334.715, "confidence": 0.9999174, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "really", "start": 1334.715, "end": 1335.195, "confidence": 0.999146, "punctuated_word": "really", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "take", "start": 1335.195, "end": 1335.515, "confidence": 0.9995572, "punctuated_word": "take", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "control", "start": 1335.515, "end": 1335.9149, "confidence": 0.9996338, "punctuated_word": "control", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "of", "start": 1335.9149, "end": 1336.075, "confidence": 0.9985677, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "that", "start": 1336.075, "end": 1336.315, "confidence": 0.9998461, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "just", "start": 1336.315, "end": 1336.5549, "confidence": 0.85688317, "punctuated_word": "just", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "because", "start": 1336.5549, "end": 1337.035, "confidence": 0.99978536, "punctuated_word": "because", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "you", "start": 1337.035, "end": 1337.195, "confidence": 0.99726224, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "don't", "start": 1337.195, "end": 1337.4349, "confidence": 0.9999554, "punctuated_word": "don't", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "know", "start": 1337.4349, "end": 1337.595, "confidence": 0.99928683, "punctuated_word": "know", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "what's", "start": 1337.595, "end": 1337.835, "confidence": 0.99947196, "punctuated_word": "what's", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "out", "start": 1337.835, "end": 1337.995, "confidence": 0.999848, "punctuated_word": "out", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "there", "start": 1337.995, "end": 1338.235, "confidence": 0.9355356, "punctuated_word": "there.", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "it's", "start": 1338.235, "end": 1338.395, "confidence": 0.99967146, "punctuated_word": "It's", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "in", "start": 1338.395, "end": 1338.5549, "confidence": 0.99841523, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "different", "start": 1338.5549, "end": 1338.7949, "confidence": 0.99955624, "punctuated_word": "different", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "places", "start": 1338.7949, "end": 1339.275, "confidence": 0.7846999, "punctuated_word": "places.", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "so", "start": 1339.275, "end": 1339.4349, "confidence": 0.9984854, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "you", "start": 1339.4349, "end": 1339.595, "confidence": 0.99891984, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "don't", "start": 1339.595, "end": 1339.9149, "confidence": 0.99993294, "punctuated_word": "don't", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "wanna", "start": 1339.9149, "end": 1340.315, "confidence": 0.9714546, "punctuated_word": "wanna", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "lose", "start": 1340.315, "end": 1340.7949, "confidence": 0.99848336, "punctuated_word": "lose", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "control", "start": 1340.7949, "end": 1341.275, "confidence": 0.98730385, "punctuated_word": "control.", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "so", "start": 1341.275, "end": 1341.515, "confidence": 0.9994956, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "even", "start": 1341.515, "end": 1341.6749, "confidence": 0.99724674, "punctuated_word": "even", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "though", "start": 1341.6749, "end": 1341.835, "confidence": 0.9995827, "punctuated_word": "though", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "they", "start": 1341.835, "end": 1341.995, "confidence": 0.998489, "punctuated_word": "they", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "may", "start": 1341.995, "end": 1342.155, "confidence": 0.99548954, "punctuated_word": "may", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "make", "start": 1342.155, "end": 1342.395, "confidence": 0.99924326, "punctuated_word": "make", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "some", "start": 1342.395, "end": 1342.5549, "confidence": 0.9995485, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "choices", "start": 1342.5549, "end": 1343.035, "confidence": 0.9955783, "punctuated_word": "choices,", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "it's", "start": 1343.035, "end": 1343.355, "confidence": 0.9995501, "punctuated_word": "it's", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "easy", "start": 1343.355, "end": 1343.6749, "confidence": 0.99927205, "punctuated_word": "easy", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "to", "start": 1343.6749, "end": 1344.075, "confidence": 0.99683017, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "lose", "start": 1344.075, "end": 1344.475, "confidence": 0.99911493, "punctuated_word": "lose", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "control", "start": 1344.475, "end": 1344.975, "confidence": 0.9972711, "punctuated_word": "control", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "if", "start": 1345.195, "end": 1345.355, "confidence": 0.9477834, "punctuated_word": "if", "speaker": 2, "speaker_confidence": 0.49805653 }, { "word": "you", "start": 1345.355, "end": 1345.515, "confidence": 0.9996582, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.49805653 }, { "word": "put", "start": 1345.515, "end": 1345.755, "confidence": 0.99984694, "punctuated_word": "put", "speaker": 2, "speaker_confidence": 0.49805653 }, { "word": "it", "start": 1345.755, "end": 1345.835, "confidence": 0.99892235, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.49805653 }, { "word": "out", "start": 1345.835, "end": 1345.995, "confidence": 0.9995276, "punctuated_word": "out", "speaker": 2, "speaker_confidence": 0.49805653 }, { "word": "there", "start": 1345.995, "end": 1346.235, "confidence": 0.999241, "punctuated_word": "there", "speaker": 2, "speaker_confidence": 0.49805653 }, { "word": "too", "start": 1346.235, "end": 1346.395, "confidence": 0.99903774, "punctuated_word": "too", "speaker": 2, "speaker_confidence": 0.49805653 }, { "word": "much", "start": 1346.395, "end": 1346.5549, "confidence": 0.99960494, "punctuated_word": "much.", "speaker": 2, "speaker_confidence": 0.49805653 }, { "word": "so", "start": 1346.5549, "end": 1346.715, "confidence": 0.99917907, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.4328494 }, { "word": "how", "start": 1346.715, "end": 1346.875, "confidence": 0.9984139, "punctuated_word": "how", "speaker": 2, "speaker_confidence": 0.4328494 }, { "word": "does", "start": 1346.875, "end": 1347.035, "confidence": 0.9991033, "punctuated_word": "does", "speaker": 2, "speaker_confidence": 0.4328494 }, { "word": "the", "start": 1347.035, "end": 1347.195, "confidence": 0.99868923, "punctuated_word": "The", "speaker": 2, "speaker_confidence": 0.4328494 }, { "word": "us", "start": 1347.195, "end": 1347.695, "confidence": 0.9954704, "punctuated_word": "US", "speaker": 2, "speaker_confidence": 0.4328494 }, { "word": "get", "start": 1347.835, "end": 1348.02, "confidence": 0.7691858, "punctuated_word": "get", "speaker": 2, "speaker_confidence": 0.4328494 }, { "word": "to", "start": 1348.1, "end": 1348.26, "confidence": 0.9989436, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.4328494 }, { "word": "kind", "start": 1348.26, "end": 1348.38, "confidence": 0.9361689, "punctuated_word": "kind", "speaker": 2, "speaker_confidence": 0.4328494 }, { "word": "of", "start": 1348.38, "end": 1348.5, "confidence": 0.999458, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "the", "start": 1348.5, "end": 1348.74, "confidence": 0.95694125, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "vision", "start": 1348.74, "end": 1348.98, "confidence": 0.9981546, "punctuated_word": "vision", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "where", "start": 1348.98, "end": 1349.48, "confidence": 0.99264985, "punctuated_word": "where", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "the", "start": 1349.62, "end": 1349.78, "confidence": 0.9985763, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "consumer", "start": 1349.78, "end": 1350.26, "confidence": 0.99983096, "punctuated_word": "consumer", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "has", "start": 1350.26, "end": 1350.5801, "confidence": 0.9996257, "punctuated_word": "has", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "true", "start": 1350.5801, "end": 1350.9, "confidence": 0.9841719, "punctuated_word": "true", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "control", "start": 1350.9, "end": 1351.3, "confidence": 0.99735284, "punctuated_word": "control", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "is", "start": 1351.3, "end": 1351.46, "confidence": 0.41401172, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "making", "start": 1351.46, "end": 1351.78, "confidence": 0.9995301, "punctuated_word": "making", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "those", "start": 1351.78, "end": 1352.02, "confidence": 0.9996928, "punctuated_word": "those", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "informed", "start": 1352.02, "end": 1352.42, "confidence": 0.98254573, "punctuated_word": "informed", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "decisions", "start": 1352.42, "end": 1352.9, "confidence": 0.999328, "punctuated_word": "decisions", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "and", "start": 1352.9, "end": 1353.14, "confidence": 0.97696596, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "taking", "start": 1353.14, "end": 1353.46, "confidence": 0.99930525, "punctuated_word": "taking", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "advantage", "start": 1353.46, "end": 1353.9401, "confidence": 0.99938357, "punctuated_word": "advantage", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "of", "start": 1353.9401, "end": 1354.02, "confidence": 0.6592417, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "all", "start": 1354.02, "end": 1354.1, "confidence": 0.99192655, "punctuated_word": "all", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "this", "start": 1354.1, "end": 1354.26, "confidence": 0.9605547, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "great", "start": 1354.26, "end": 1354.5, "confidence": 0.99877614, "punctuated_word": "great", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "fintech", "start": 1354.5, "end": 1355.0, "confidence": 0.95192, "punctuated_word": "fintech?", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "so", "start": 1355.06, "end": 1355.14, "confidence": 0.99943525, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "i", "start": 1355.14, "end": 1355.22, "confidence": 0.99821293, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "think", "start": 1355.22, "end": 1355.46, "confidence": 0.99992955, "punctuated_word": "think", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "the", "start": 1355.46, "end": 1355.7001, "confidence": 0.9683888, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "the", "start": 1355.7001, "end": 1355.78, "confidence": 0.99598324, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "great", "start": 1355.78, "end": 1356.02, "confidence": 0.999418, "punctuated_word": "great", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "news", "start": 1356.02, "end": 1356.34, "confidence": 0.99977344, "punctuated_word": "news", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "is", "start": 1356.34, "end": 1356.5801, "confidence": 0.9997285, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "that", "start": 1356.5801, "end": 1356.8201, "confidence": 0.99479634, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "the", "start": 1356.8201, "end": 1356.98, "confidence": 0.99834156, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "regulators", "start": 1356.98, "end": 1357.46, "confidence": 0.9993606, "punctuated_word": "regulators", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "here", "start": 1357.46, "end": 1357.7001, "confidence": 0.9990735, "punctuated_word": "here", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "in", "start": 1357.7001, "end": 1357.9401, "confidence": 0.90579915, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "congress", "start": 1357.9401, "end": 1358.42, "confidence": 0.5153415, "punctuated_word": "Congress", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "have", "start": 1358.42, "end": 1358.66, "confidence": 0.9990532, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "started", "start": 1358.66, "end": 1359.06, "confidence": 0.9994006, "punctuated_word": "started", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "a", "start": 1359.06, "end": 1359.14, "confidence": 0.940564, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "long", "start": 1359.14, "end": 1359.46, "confidence": 0.9879409, "punctuated_word": "long", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "process", "start": 1359.46, "end": 1359.96, "confidence": 0.99598444, "punctuated_word": "process", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "to", "start": 1360.02, "end": 1360.18, "confidence": 0.9979473, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "figure", "start": 1360.18, "end": 1360.42, "confidence": 0.99986684, "punctuated_word": "figure", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "this", "start": 1360.42, "end": 1360.66, "confidence": 0.99678254, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "out", "start": 1360.66, "end": 1360.8201, "confidence": 0.9976548, "punctuated_word": "out.", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "i", "start": 1360.8201, "end": 1360.9, "confidence": 0.9896292, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "can't", "start": 1360.9, "end": 1361.14, "confidence": 0.99579245, "punctuated_word": "can't", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "tell", "start": 1361.14, "end": 1361.3, "confidence": 0.9975326, "punctuated_word": "tell", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "you", "start": 1361.3, "end": 1361.46, "confidence": 0.99790716, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "how", "start": 1361.46, "end": 1361.54, "confidence": 0.9947061, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "much", "start": 1361.54, "end": 1361.7001, "confidence": 0.99215347, "punctuated_word": "much", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "time", "start": 1361.7001, "end": 1361.86, "confidence": 0.9838631, "punctuated_word": "time", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "it's", "start": 1361.86, "end": 1361.955, "confidence": 0.8202219, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "it's", "start": 1361.955, "end": 1362.2815, "confidence": 0.95952046, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "gonna", "start": 1362.2815, "end": 1362.608, "confidence": 0.9984394, "punctuated_word": "gonna", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "take", "start": 1362.608, "end": 1362.9347, "confidence": 0.999166, "punctuated_word": "take", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "or", "start": 1362.9347, "end": 1363.2612, "confidence": 0.98850656, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "what", "start": 1363.2612, "end": 1363.5878, "confidence": 0.9989416, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "it", "start": 1363.5878, "end": 1363.9143, "confidence": 0.9994778, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.16461504 }, { "word": "looks", "start": 1363.9143, "end": 1364.2408, "confidence": 0.9996549, "punctuated_word": "looks", "speaker": 2, "speaker_confidence": 0.16461504 }, { "word": "like", "start": 1364.2408, "end": 1364.5675, "confidence": 0.9950423, "punctuated_word": "like", "speaker": 2, "speaker_confidence": 0.16461504 }, { "word": "when", "start": 1364.5675, "end": 1364.894, "confidence": 0.96470803, "punctuated_word": "when", "speaker": 2, "speaker_confidence": 0.16461504 }, { "word": "it's", "start": 1364.894, "end": 1365.2206, "confidence": 0.95583177, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "done", "start": 1365.2206, "end": 1365.5471, "confidence": 0.98306084, "punctuated_word": "done.", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "what", "start": 1365.5471, "end": 1365.8738, "confidence": 0.9250585, "punctuated_word": "What?", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "but", "start": 1365.8738, "end": 1366.2003, "confidence": 0.9980165, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "they've", "start": 1366.2003, "end": 1366.5269, "confidence": 0.8689995, "punctuated_word": "they've", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "started", "start": 1366.5269, "end": 1366.8534, "confidence": 0.74456185, "punctuated_word": "started.", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 1366.8534, "end": 1367.1799, "confidence": 0.99922264, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "a", "start": 1367.1799, "end": 1367.5066, "confidence": 0.9997538, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "few", "start": 1367.5066, "end": 1367.8331, "confidence": 0.9999844, "punctuated_word": "few", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "important", "start": 1367.8331, "end": 1368.1597, "confidence": 0.99989474, "punctuated_word": "important", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "developments", "start": 1368.1597, "end": 1368.4862, "confidence": 0.9996288, "punctuated_word": "developments", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "really", "start": 1368.4862, "end": 1368.8127, "confidence": 0.5073968, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "just", "start": 1368.8127, "end": 1369.1394, "confidence": 0.99328107, "punctuated_word": "just", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "in", "start": 1369.1394, "end": 1369.466, "confidence": 0.9997439, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1369.466, "end": 1369.7925, "confidence": 0.9992773, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "past", "start": 1369.7925, "end": 1370.119, "confidence": 0.9998679, "punctuated_word": "past", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "few", "start": 1370.119, "end": 1370.4456, "confidence": 0.98190546, "punctuated_word": "few", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "months", "start": 1370.4456, "end": 1370.7722, "confidence": 0.996428, "punctuated_word": "months.", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "right", "start": 1370.7722, "end": 1371.0988, "confidence": 0.99493957, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "so", "start": 1371.0988, "end": 1371.4253, "confidence": 0.9996625, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1371.4253, "end": 1371.7518, "confidence": 0.9996375, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "cfpb", "start": 1371.7518, "end": 1372.0784, "confidence": 0.99961406, "punctuated_word": "CFPB", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "put", "start": 1372.0784, "end": 1372.405, "confidence": 0.99977547, "punctuated_word": "put", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "out", "start": 1372.405, "end": 1372.7316, "confidence": 0.9998235, "punctuated_word": "out", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "its", "start": 1372.7316, "end": 1373.0581, "confidence": 0.99817324, "punctuated_word": "its", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "request", "start": 1373.0581, "end": 1373.3846, "confidence": 0.9973199, "punctuated_word": "request", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "for", "start": 1373.3846, "end": 1373.7112, "confidence": 0.9992021, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "information", "start": 1373.7112, "end": 1374.0378, "confidence": 0.9997677, "punctuated_word": "information", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "in", "start": 1374.0378, "end": 1374.3644, "confidence": 0.9995241, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "november", "start": 1374.3644, "end": 1374.6909, "confidence": 0.99995255, "punctuated_word": "November", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "on", "start": 1374.6909, "end": 1375.0175, "confidence": 0.7509606, "punctuated_word": "on,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "data", "start": 1375.3441, "end": 1375.6707, "confidence": 0.99777275, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "access", "start": 1375.6707, "end": 1375.9972, "confidence": 0.9970196, "punctuated_word": "access,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "which", "start": 1375.9972, "end": 1376.3237, "confidence": 0.9997316, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "is", "start": 1376.3237, "end": 1376.6503, "confidence": 0.99958557, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "really", "start": 1376.6503, "end": 1376.9769, "confidence": 0.997012, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "this", "start": 1376.9769, "end": 1377.3035, "confidence": 0.99933535, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "idea", "start": 1377.3035, "end": 1377.63, "confidence": 0.9985343, "punctuated_word": "idea", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "of", "start": 1377.71, "end": 1377.95, "confidence": 0.9998215, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "how", "start": 1377.95, "end": 1378.11, "confidence": 0.99956614, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "consumers", "start": 1378.11, "end": 1378.59, "confidence": 0.9997625, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "can", "start": 1378.59, "end": 1378.75, "confidence": 0.99987113, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "get", "start": 1378.75, "end": 1378.91, "confidence": 0.9998821, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "their", "start": 1378.91, "end": 1379.07, "confidence": 0.9997553, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "data", "start": 1379.07, "end": 1379.23, "confidence": 0.9995921, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 1379.23, "end": 1379.31, "confidence": 0.8647828, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "what", "start": 1379.31, "end": 1379.47, "confidence": 0.99989223, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "they", "start": 1379.47, "end": 1379.55, "confidence": 0.99991536, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "can", "start": 1379.55, "end": 1379.71, "confidence": 0.99983, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "do", "start": 1379.71, "end": 1379.79, "confidence": 0.9994319, "punctuated_word": "do", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "with", "start": 1379.79, "end": 1379.95, "confidence": 0.999622, "punctuated_word": "with", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "it", "start": 1379.95, "end": 1380.11, "confidence": 0.99973696, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "in", "start": 1380.11, "end": 1380.27, "confidence": 0.9961163, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "a", "start": 1380.27, "end": 1380.35, "confidence": 0.9518072, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "financial", "start": 1380.35, "end": 1380.75, "confidence": 0.99994147, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "sense", "start": 1380.75, "end": 1380.99, "confidence": 0.9998933, "punctuated_word": "sense", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "once", "start": 1380.99, "end": 1381.23, "confidence": 0.9932284, "punctuated_word": "once", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "they", "start": 1381.23, "end": 1381.31, "confidence": 0.99988425, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "have", "start": 1381.31, "end": 1381.47, "confidence": 0.9999298, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "it", "start": 1381.47, "end": 1381.97, "confidence": 0.98968446, "punctuated_word": "it.", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "then", "start": 1382.11, "end": 1382.35, "confidence": 0.9991202, "punctuated_word": "Then", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "they", "start": 1382.35, "end": 1382.43, "confidence": 0.99812466, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "put", "start": 1382.43, "end": 1382.59, "confidence": 0.99922454, "punctuated_word": "put", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "out", "start": 1382.59, "end": 1382.75, "confidence": 0.99886864, "punctuated_word": "out", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "a", "start": 1382.75, "end": 1382.83, "confidence": 0.9984444, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "request", "start": 1382.83, "end": 1383.15, "confidence": 0.99981135, "punctuated_word": "request", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "for", "start": 1383.15, "end": 1383.31, "confidence": 0.9763476, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "information", "start": 1383.31, "end": 1383.81, "confidence": 0.9997694, "punctuated_word": "information", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "on", "start": 1383.95, "end": 1384.45, "confidence": 0.9997342, "punctuated_word": "on", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "alternative", "start": 1384.51, "end": 1385.01, "confidence": 0.9998448, "punctuated_word": "alternative", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "uses", "start": 1385.07, "end": 1385.47, "confidence": 0.9983163, "punctuated_word": "uses", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "of", "start": 1385.47, "end": 1385.55, "confidence": 0.9996124, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "data", "start": 1385.55, "end": 1386.03, "confidence": 0.99152094, "punctuated_word": "data,", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "particularly", "start": 1386.03, "end": 1386.43, "confidence": 0.99955934, "punctuated_word": "particularly", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "in", "start": 1386.43, "end": 1386.59, "confidence": 0.9834013, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "credit", "start": 1386.59, "end": 1387.09, "confidence": 0.98767054, "punctuated_word": "credit.", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "so", "start": 1387.31, "end": 1387.55, "confidence": 0.99800843, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "this", "start": 1387.55, "end": 1387.79, "confidence": 0.9920576, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "idea", "start": 1387.79, "end": 1388.03, "confidence": 0.99979967, "punctuated_word": "idea", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "that", "start": 1388.03, "end": 1388.27, "confidence": 0.9982054, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "there's", "start": 1388.27, "end": 1388.51, "confidence": 0.9977162, "punctuated_word": "there's", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "a", "start": 1388.51, "end": 1388.67, "confidence": 0.99552673, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "real", "start": 1388.67, "end": 1388.91, "confidence": 0.9992501, "punctuated_word": "real", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "benefit", "start": 1388.91, "end": 1389.39, "confidence": 0.99880886, "punctuated_word": "benefit", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "to", "start": 1389.39, "end": 1389.47, "confidence": 0.99315405, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "consumers", "start": 1389.47, "end": 1389.95, "confidence": 0.9984635, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "in", "start": 1389.95, "end": 1390.03, "confidence": 0.5277318, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "underwriting", "start": 1390.03, "end": 1390.1975, "confidence": 0.8462841, "punctuated_word": "underwriting,", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "underwriting", "start": 1390.845, "end": 1391.245, "confidence": 0.97368556, "punctuated_word": "underwriting,", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "if", "start": 1391.405, "end": 1391.565, "confidence": 0.99962425, "punctuated_word": "if", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "they", "start": 1391.565, "end": 1391.8049, "confidence": 0.99989533, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "can", "start": 1391.8049, "end": 1392.045, "confidence": 0.999724, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "take", "start": 1392.045, "end": 1392.285, "confidence": 0.99989355, "punctuated_word": "take", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "their", "start": 1392.285, "end": 1392.525, "confidence": 0.9998078, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "transactional", "start": 1392.525, "end": 1393.025, "confidence": 0.9985409, "punctuated_word": "transactional", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "information", "start": 1393.085, "end": 1393.485, "confidence": 0.9997104, "punctuated_word": "information", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "and", "start": 1393.485, "end": 1393.645, "confidence": 0.99868983, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "leverage", "start": 1393.645, "end": 1394.045, "confidence": 0.9998234, "punctuated_word": "leverage", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "it", "start": 1394.045, "end": 1394.205, "confidence": 0.9995191, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "as", "start": 1394.205, "end": 1394.365, "confidence": 0.9998715, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "another", "start": 1394.365, "end": 1394.6849, "confidence": 0.9998254, "punctuated_word": "another", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "tool", "start": 1394.6849, "end": 1395.1849, "confidence": 0.9999205, "punctuated_word": "tool", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "beyond", "start": 1395.885, "end": 1396.285, "confidence": 0.9748273, "punctuated_word": "beyond", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "just", "start": 1396.285, "end": 1396.445, "confidence": 0.99988294, "punctuated_word": "just", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "a", "start": 1396.445, "end": 1396.525, "confidence": 0.9989427, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "credit", "start": 1396.525, "end": 1396.845, "confidence": 0.99997437, "punctuated_word": "credit", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "score", "start": 1396.845, "end": 1397.345, "confidence": 0.9997483, "punctuated_word": "score", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "to", "start": 1397.645, "end": 1397.885, "confidence": 0.9661054, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "get", "start": 1397.885, "end": 1398.205, "confidence": 0.9998938, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "better", "start": 1398.205, "end": 1398.525, "confidence": 0.999933, "punctuated_word": "better", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "pricing", "start": 1398.525, "end": 1399.005, "confidence": 0.9997991, "punctuated_word": "pricing", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "on", "start": 1399.005, "end": 1399.245, "confidence": 0.9999025, "punctuated_word": "on", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "credit", "start": 1399.245, "end": 1399.565, "confidence": 0.9993455, "punctuated_word": "credit", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "products", "start": 1399.565, "end": 1400.065, "confidence": 0.99402833, "punctuated_word": "products.", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "the", "start": 1400.205, "end": 1400.445, "confidence": 0.9995592, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "occ", "start": 1400.445, "end": 1400.925, "confidence": 0.99503183, "punctuated_word": "OCC,", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "of", "start": 1400.925, "end": 1401.005, "confidence": 0.9998379, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "course", "start": 1401.005, "end": 1401.245, "confidence": 0.9995656, "punctuated_word": "course,", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "has", "start": 1401.245, "end": 1401.485, "confidence": 0.97067857, "punctuated_word": "has", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "its", "start": 1401.485, "end": 1401.565, "confidence": 0.8413383, "punctuated_word": "its", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "proposed", "start": 1401.565, "end": 1401.965, "confidence": 0.99717194, "punctuated_word": "proposed", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "fintech", "start": 1401.965, "end": 1402.365, "confidence": 0.97380286, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "charter", "start": 1402.365, "end": 1402.765, "confidence": 0.97581875, "punctuated_word": "charter,", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "which", "start": 1402.765, "end": 1403.005, "confidence": 0.99983096, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "is", "start": 1403.005, "end": 1403.165, "confidence": 0.9997749, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "trying", "start": 1403.165, "end": 1403.485, "confidence": 0.9998222, "punctuated_word": "trying", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "to", "start": 1403.485, "end": 1403.645, "confidence": 0.9989497, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "bring", "start": 1403.645, "end": 1403.965, "confidence": 0.99988043, "punctuated_word": "bring", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "into", "start": 1403.965, "end": 1404.465, "confidence": 0.8152946, "punctuated_word": "into,", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "preempted", "start": 1405.085, "end": 1405.585, "confidence": 0.98840284, "punctuated_word": "preempted", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "federal", "start": 1405.8049, "end": 1406.3049, "confidence": 0.9976018, "punctuated_word": "federal", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "state", "start": 1406.6599, "end": 1407.1599, "confidence": 0.999241, "punctuated_word": "state", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "supervision", "start": 1407.22, "end": 1407.7, "confidence": 0.98211205, "punctuated_word": "supervision", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "of", "start": 1407.7, "end": 1408.1, "confidence": 0.99066895, "punctuated_word": "of,", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "fintech", "start": 1408.4199, "end": 1408.9199, "confidence": 0.93166304, "punctuated_word": "fintech,", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "firms", "start": 1409.7, "end": 1410.02, "confidence": 0.9997937, "punctuated_word": "firms", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "that", "start": 1410.02, "end": 1410.1799, "confidence": 0.9995784, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "are", "start": 1410.1799, "end": 1410.34, "confidence": 0.99981827, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "involved", "start": 1410.34, "end": 1410.58, "confidence": 0.99841905, "punctuated_word": "involved", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "in", "start": 1410.58, "end": 1410.74, "confidence": 0.9988716, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "bank", "start": 1410.74, "end": 1410.98, "confidence": 0.9937909, "punctuated_word": "bank", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "type", "start": 1410.98, "end": 1411.14, "confidence": 0.98151314, "punctuated_word": "type", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "services", "start": 1411.14, "end": 1411.64, "confidence": 0.9986933, "punctuated_word": "services.", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "the", "start": 1412.26, "end": 1412.4199, "confidence": 0.9995803, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "fdic", "start": 1412.4199, "end": 1412.9199, "confidence": 0.99874467, "punctuated_word": "FDIC,", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "the", "start": 1413.14, "end": 1413.38, "confidence": 0.9986884, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "occ", "start": 1413.38, "end": 1413.86, "confidence": 0.992008, "punctuated_word": "OCC,", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "and", "start": 1413.86, "end": 1414.1, "confidence": 0.9996911, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "the", "start": 1414.1, "end": 1414.34, "confidence": 0.9980558, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "fed", "start": 1414.34, "end": 1414.74, "confidence": 0.8998427, "punctuated_word": "Fed", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "came", "start": 1414.74, "end": 1414.9, "confidence": 0.9982546, "punctuated_word": "came", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "out", "start": 1414.9, "end": 1415.0599, "confidence": 0.9991842, "punctuated_word": "out", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "with", "start": 1415.0599, "end": 1415.22, "confidence": 0.9997129, "punctuated_word": "with", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "a", "start": 1415.22, "end": 1415.2999, "confidence": 0.9206514, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "cybersecurity", "start": 1415.2999, "end": 1415.7999, "confidence": 0.9319596, "punctuated_word": "cybersecurity", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "anpr", "start": 1416.26, "end": 1416.76, "confidence": 0.8658235, "punctuated_word": "ANPR,", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "late", "start": 1417.5399, "end": 1417.7799, "confidence": 0.99939585, "punctuated_word": "late", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "last", "start": 1417.7799, "end": 1418.02, "confidence": 0.9995746, "punctuated_word": "last", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "year", "start": 1418.02, "end": 1418.1799, "confidence": 0.86131096, "punctuated_word": "year,", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "early", "start": 1418.1799, "end": 1418.4199, "confidence": 0.9918503, "punctuated_word": "early", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "this", "start": 1418.4199, "end": 1418.58, "confidence": 0.99830025, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "year", "start": 1418.58, "end": 1419.08, "confidence": 0.98679274, "punctuated_word": "year,", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "which", "start": 1419.2999, "end": 1419.5399, "confidence": 0.99674547, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "is", "start": 1419.5399, "end": 1419.7799, "confidence": 0.9987068, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "really", "start": 1419.7799, "end": 1420.02, "confidence": 0.99569315, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "on", "start": 1420.02, "end": 1420.1799, "confidence": 0.99196774, "punctuated_word": "on", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "cybersecurity", "start": 1420.1799, "end": 1420.6799, "confidence": 0.82181764, "punctuated_word": "cybersecurity,", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "but", "start": 1420.9, "end": 1421.0599, "confidence": 0.99620503, "punctuated_word": "but", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "has", "start": 1421.0599, "end": 1421.22, "confidence": 0.9629361, "punctuated_word": "has", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "a", "start": 1421.22, "end": 1421.2999, "confidence": 0.9201944, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "whole", "start": 1421.2999, "end": 1421.595, "confidence": 0.99022067, "punctuated_word": "whole", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "section", "start": 1421.595, "end": 1421.755, "confidence": 0.35736227, "punctuated_word": "section", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "on", "start": 1421.755, "end": 1421.835, "confidence": 0.99736613, "punctuated_word": "on", "speaker": 1, "speaker_confidence": 0.5859546 }, { "word": "what", "start": 1421.835, "end": 1421.995, "confidence": 0.97649574, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.5859546 }, { "word": "they", "start": 1421.995, "end": 1422.075, "confidence": 0.9996356, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.5859546 }, { "word": "call", "start": 1422.075, "end": 1422.475, "confidence": 0.9982266, "punctuated_word": "call", "speaker": 1, "speaker_confidence": 0.5859546 }, { "word": "external", "start": 1422.475, "end": 1422.7949, "confidence": 0.99886787, "punctuated_word": "external", "speaker": 1, "speaker_confidence": 0.5859546 }, { "word": "dependencies", "start": 1422.7949, "end": 1423.2949, "confidence": 0.98752034, "punctuated_word": "dependencies,", "speaker": 1, "speaker_confidence": 0.5859546 }, { "word": "which", "start": 1423.355, "end": 1423.515, "confidence": 0.99990654, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 0.5859546 }, { "word": "is", "start": 1423.515, "end": 1423.6749, "confidence": 0.99971205, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.5859546 }, { "word": "really", "start": 1423.6749, "end": 1423.835, "confidence": 0.99940836, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.5859546 }, { "word": "fintech", "start": 1423.835, "end": 1424.335, "confidence": 0.9714038, "punctuated_word": "fintech.", "speaker": 1, "speaker_confidence": 0.5859546 }, { "word": "so", "start": 1424.875, "end": 1425.0349, "confidence": 0.9996061, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "they're", "start": 1425.0349, "end": 1425.275, "confidence": 0.99637365, "punctuated_word": "they're", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "starting", "start": 1425.275, "end": 1425.6749, "confidence": 0.98339057, "punctuated_word": "starting.", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "and", "start": 1425.6749, "end": 1425.835, "confidence": 0.9987936, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "in", "start": 1425.835, "end": 1425.9149, "confidence": 0.9377193, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "the", "start": 1425.9149, "end": 1426.075, "confidence": 0.87898, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "hill", "start": 1426.075, "end": 1426.235, "confidence": 0.7585842, "punctuated_word": "Hill,", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "we've", "start": 1426.235, "end": 1426.475, "confidence": 0.9975773, "punctuated_word": "we've", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "seen", "start": 1426.475, "end": 1426.715, "confidence": 0.99765563, "punctuated_word": "seen", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "the", "start": 1426.715, "end": 1426.875, "confidence": 0.995854, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "innovation", "start": 1426.875, "end": 1427.355, "confidence": 0.9801333, "punctuated_word": "innovation", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "initiatives", "start": 1427.355, "end": 1427.855, "confidence": 0.8509469, "punctuated_word": "initiatives", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "from", "start": 1427.995, "end": 1428.315, "confidence": 0.99262345, "punctuated_word": "from,", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "congressman", "start": 1428.5549, "end": 1428.955, "confidence": 0.6335876, "punctuated_word": "congressman", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "mchenry", "start": 1428.955, "end": 1429.355, "confidence": 0.96477836, "punctuated_word": "McHenry", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "and", "start": 1429.355, "end": 1429.515, "confidence": 0.992967, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "congressman", "start": 1429.515, "end": 1429.9149, "confidence": 0.9782386, "punctuated_word": "congressman", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "mccarthy", "start": 1429.9149, "end": 1430.4149, "confidence": 0.96905446, "punctuated_word": "McCarthy,", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "which", "start": 1430.715, "end": 1430.955, "confidence": 0.9997254, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "is", "start": 1430.955, "end": 1431.115, "confidence": 0.99971884, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "all", "start": 1431.115, "end": 1431.275, "confidence": 0.99988186, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "about", "start": 1431.275, "end": 1431.775, "confidence": 0.9998591, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "trying", "start": 1432.075, "end": 1432.395, "confidence": 0.9992367, "punctuated_word": "trying", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "to", "start": 1432.395, "end": 1432.715, "confidence": 0.9998604, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "really", "start": 1432.715, "end": 1432.955, "confidence": 0.9991793, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "grow", "start": 1432.955, "end": 1433.355, "confidence": 0.9992151, "punctuated_word": "grow", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "the", "start": 1433.355, "end": 1433.4349, "confidence": 0.99858, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "innovation", "start": 1433.4349, "end": 1433.755, "confidence": 0.8457063, "punctuated_word": "innovation", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "that's", "start": 1433.755, "end": 1433.9149, "confidence": 0.9812896, "punctuated_word": "that's", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "happening", "start": 1433.9149, "end": 1434.235, "confidence": 0.9991278, "punctuated_word": "happening", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "in", "start": 1434.235, "end": 1434.315, "confidence": 0.8285113, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "fintech", "start": 1434.315, "end": 1434.635, "confidence": 0.9582662, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "and", "start": 1434.635, "end": 1434.7949, "confidence": 0.960793, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "make", "start": 1434.7949, "end": 1434.955, "confidence": 0.99325234, "punctuated_word": "make", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "it", "start": 1434.955, "end": 1435.115, "confidence": 0.99919933, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "more", "start": 1435.115, "end": 1435.275, "confidence": 0.9996716, "punctuated_word": "more", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "available", "start": 1435.275, "end": 1435.77, "confidence": 0.81082696, "punctuated_word": "available,", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "both", "start": 1435.93, "end": 1436.17, "confidence": 0.9925742, "punctuated_word": "both", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "from", "start": 1436.17, "end": 1436.3301, "confidence": 0.99985707, "punctuated_word": "from", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "a", "start": 1436.3301, "end": 1436.41, "confidence": 0.9142952, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "how", "start": 1436.41, "end": 1436.65, "confidence": 0.45810258, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "do", "start": 1436.65, "end": 1436.81, "confidence": 0.99762493, "punctuated_word": "do", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "you", "start": 1436.81, "end": 1436.89, "confidence": 0.9993749, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "finance", "start": 1436.89, "end": 1437.29, "confidence": 0.99982196, "punctuated_word": "finance", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "it", "start": 1437.29, "end": 1437.37, "confidence": 0.9848371, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "at", "start": 1437.37, "end": 1437.41, "confidence": 0.99919015, "punctuated_word": "at", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "the", "start": 1437.41, "end": 1437.4501, "confidence": 0.9994553, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "front", "start": 1437.4501, "end": 1437.6901, "confidence": 0.99962187, "punctuated_word": "front", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "end", "start": 1437.6901, "end": 1437.93, "confidence": 0.99358445, "punctuated_word": "end", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "to", "start": 1437.93, "end": 1438.09, "confidence": 0.82097125, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "how", "start": 1438.09, "end": 1438.25, "confidence": 0.9966319, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "do", "start": 1438.25, "end": 1438.41, "confidence": 0.997736, "punctuated_word": "do", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "you", "start": 1438.41, "end": 1438.49, "confidence": 0.99898845, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "use", "start": 1438.49, "end": 1438.73, "confidence": 0.9998692, "punctuated_word": "use", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "apis", "start": 1438.73, "end": 1439.23, "confidence": 0.9898838, "punctuated_word": "APIs", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "to", "start": 1439.29, "end": 1439.79, "confidence": 0.9997923, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "to", "start": 1440.3301, "end": 1440.65, "confidence": 0.9971808, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "exponentially", "start": 1440.65, "end": 1441.15, "confidence": 0.9993205, "punctuated_word": "exponentially", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "grow", "start": 1441.21, "end": 1441.4501, "confidence": 0.9997516, "punctuated_word": "grow", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "it", "start": 1441.4501, "end": 1441.9501, "confidence": 0.9288939, "punctuated_word": "it.", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "so", "start": 1442.09, "end": 1442.3301, "confidence": 0.99982435, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "they're", "start": 1442.3301, "end": 1442.5701, "confidence": 0.99801254, "punctuated_word": "they're", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "starting", "start": 1442.5701, "end": 1443.0701, "confidence": 0.9997448, "punctuated_word": "starting.", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "how", "start": 1443.93, "end": 1444.17, "confidence": 0.9995932, "punctuated_word": "How", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "this", "start": 1444.17, "end": 1444.41, "confidence": 0.99962556, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "all", "start": 1444.41, "end": 1444.5701, "confidence": 0.99993706, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "ends", "start": 1444.5701, "end": 1444.81, "confidence": 0.99980325, "punctuated_word": "ends", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "up", "start": 1444.81, "end": 1444.97, "confidence": 0.99388254, "punctuated_word": "up,", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "of", "start": 1444.97, "end": 1445.13, "confidence": 0.99986744, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "course", "start": 1445.13, "end": 1445.37, "confidence": 0.9996716, "punctuated_word": "course,", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "is", "start": 1445.37, "end": 1445.53, "confidence": 0.99861085, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "still", "start": 1445.53, "end": 1445.85, "confidence": 0.9998927, "punctuated_word": "still", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "very", "start": 1445.85, "end": 1446.09, "confidence": 0.9997876, "punctuated_word": "very", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "much", "start": 1446.09, "end": 1446.5701, "confidence": 0.99996126, "punctuated_word": "much", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "unknown", "start": 1446.5701, "end": 1447.05, "confidence": 0.9994732, "punctuated_word": "unknown.", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "it", "start": 1447.05, "end": 1447.21, "confidence": 0.9998419, "punctuated_word": "It", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "will", "start": 1447.21, "end": 1447.4501, "confidence": 0.99996924, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "take", "start": 1447.4501, "end": 1447.93, "confidence": 0.9999832, "punctuated_word": "take", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "years", "start": 1447.93, "end": 1448.41, "confidence": 0.9998634, "punctuated_word": "years", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "at", "start": 1448.41, "end": 1448.49, "confidence": 0.977521, "punctuated_word": "at", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "this", "start": 1448.49, "end": 1448.73, "confidence": 0.9999063, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "pace", "start": 1448.73, "end": 1449.21, "confidence": 0.97907776, "punctuated_word": "pace", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "to", "start": 1449.21, "end": 1449.37, "confidence": 0.99974674, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "get", "start": 1449.37, "end": 1449.61, "confidence": 0.99988925, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "to", "start": 1449.61, "end": 1450.09, "confidence": 0.99819577, "punctuated_word": "to,", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "you", "start": 1450.405, "end": 1450.485, "confidence": 0.99980325, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "know", "start": 1450.485, "end": 1450.645, "confidence": 0.99994797, "punctuated_word": "know,", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "any", "start": 1450.645, "end": 1450.885, "confidence": 0.99990356, "punctuated_word": "any", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "type", "start": 1450.885, "end": 1451.125, "confidence": 0.99946886, "punctuated_word": "type", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "of", "start": 1451.125, "end": 1451.205, "confidence": 0.99987996, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "finality", "start": 1451.205, "end": 1451.605, "confidence": 0.9868732, "punctuated_word": "finality.", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "and", "start": 1451.605, "end": 1451.765, "confidence": 0.9997415, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "even", "start": 1451.765, "end": 1452.005, "confidence": 0.9995932, "punctuated_word": "even", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "then", "start": 1452.005, "end": 1452.505, "confidence": 0.99664277, "punctuated_word": "then,", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "as", "start": 1452.565, "end": 1452.805, "confidence": 0.99964106, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "i", "start": 1452.805, "end": 1452.885, "confidence": 0.99991953, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "said", "start": 1452.885, "end": 1453.125, "confidence": 0.99692386, "punctuated_word": "said", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "earlier", "start": 1453.125, "end": 1453.625, "confidence": 0.99974024, "punctuated_word": "earlier,", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "you've", "start": 1453.6849, "end": 1453.925, "confidence": 0.9963697, "punctuated_word": "you've", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "got", "start": 1453.925, "end": 1454.165, "confidence": 0.99994016, "punctuated_word": "got", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "6,000", "start": 1454.165, "end": 1454.725, "confidence": 0.9989844, "punctuated_word": "6,000", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "financial", "start": 1454.725, "end": 1455.125, "confidence": 0.9989176, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "institutions", "start": 1455.125, "end": 1455.445, "confidence": 0.9990404, "punctuated_word": "institutions", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "in", "start": 1455.445, "end": 1455.525, "confidence": 0.8027088, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "the", "start": 1455.525, "end": 1455.6849, "confidence": 0.9997534, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "us", "start": 1455.6849, "end": 1456.005, "confidence": 0.9501626, "punctuated_word": "US.", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "you've", "start": 1456.005, "end": 1456.165, "confidence": 0.99890494, "punctuated_word": "You've", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "got", "start": 1456.165, "end": 1456.405, "confidence": 0.99958426, "punctuated_word": "got", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "thousands", "start": 1456.405, "end": 1456.725, "confidence": 0.99757034, "punctuated_word": "thousands", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "and", "start": 1456.725, "end": 1456.885, "confidence": 0.9838394, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "thousands", "start": 1456.885, "end": 1457.205, "confidence": 0.9985019, "punctuated_word": "thousands", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "of", "start": 1457.205, "end": 1457.285, "confidence": 0.9973028, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "fintech", "start": 1457.285, "end": 1457.605, "confidence": 0.96570176, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "players", "start": 1457.605, "end": 1458.005, "confidence": 0.85990715, "punctuated_word": "players,", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "aggregators", "start": 1458.005, "end": 1458.485, "confidence": 0.9870751, "punctuated_word": "aggregators", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "like", "start": 1458.485, "end": 1458.645, "confidence": 0.9175853, "punctuated_word": "like", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "yodlee", "start": 1458.645, "end": 1458.965, "confidence": 0.6693673, "punctuated_word": "Yodlee", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "who", "start": 1458.965, "end": 1459.205, "confidence": 0.58630097, "punctuated_word": "who", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "sit", "start": 1459.205, "end": 1459.365, "confidence": 0.9445227, "punctuated_word": "sit", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "in", "start": 1459.365, "end": 1459.445, "confidence": 0.9991184, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "the", "start": 1459.445, "end": 1459.525, "confidence": 0.999113, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "middle", "start": 1459.525, "end": 1460.025, "confidence": 0.998685, "punctuated_word": "middle.", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "it's", "start": 1460.565, "end": 1460.805, "confidence": 0.99957407, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "not", "start": 1460.805, "end": 1460.965, "confidence": 0.9996056, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "clear", "start": 1460.965, "end": 1461.285, "confidence": 0.9999505, "punctuated_word": "clear", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "to", "start": 1461.285, "end": 1461.445, "confidence": 0.99963164, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "us", "start": 1461.445, "end": 1461.6849, "confidence": 0.9998785, "punctuated_word": "us", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "that", "start": 1461.6849, "end": 1461.845, "confidence": 0.99977106, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "you", "start": 1461.845, "end": 1462.005, "confidence": 0.999734, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "will", "start": 1462.005, "end": 1462.26, "confidence": 0.9991941, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "get", "start": 1462.74, "end": 1462.8201, "confidence": 0.9998708, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "any", "start": 1462.8201, "end": 1463.14, "confidence": 0.9996544, "punctuated_word": "any", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "cut", "start": 1463.14, "end": 1463.3, "confidence": 0.9972264, "punctuated_word": "cut", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "and", "start": 1463.3, "end": 1463.46, "confidence": 0.99291056, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "dry", "start": 1463.46, "end": 1463.7, "confidence": 0.9990258, "punctuated_word": "dry", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "rules", "start": 1463.7, "end": 1463.9401, "confidence": 0.9992913, "punctuated_word": "rules", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "like", "start": 1463.9401, "end": 1464.1, "confidence": 0.965776, "punctuated_word": "like", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "we", "start": 1464.1, "end": 1464.26, "confidence": 0.9997564, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "have", "start": 1464.26, "end": 1464.42, "confidence": 0.99968815, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "in", "start": 1464.42, "end": 1464.58, "confidence": 0.99971133, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "the", "start": 1464.58, "end": 1464.74, "confidence": 0.9905896, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "eu", "start": 1464.74, "end": 1464.98, "confidence": 0.8607136, "punctuated_word": "EU,", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "like", "start": 1464.98, "end": 1465.22, "confidence": 0.99987614, "punctuated_word": "like", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "pstt", "start": 1465.22, "end": 1465.7, "confidence": 0.82458305, "punctuated_word": "PSTT", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "or", "start": 1465.7, "end": 1465.78, "confidence": 0.991655, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "gdpr", "start": 1465.78, "end": 1466.28, "confidence": 0.9907133, "punctuated_word": "GDPR.", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "but", "start": 1467.06, "end": 1467.3, "confidence": 0.7746724, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "instead", "start": 1467.3, "end": 1467.78, "confidence": 0.9038129, "punctuated_word": "instead,", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "what", "start": 1467.78, "end": 1468.02, "confidence": 0.99926513, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "we", "start": 1468.02, "end": 1468.18, "confidence": 0.9999703, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "think", "start": 1468.18, "end": 1468.5, "confidence": 0.99989676, "punctuated_word": "think", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "is", "start": 1468.5, "end": 1468.74, "confidence": 0.99666804, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "if", "start": 1468.74, "end": 1468.8201, "confidence": 0.87360424, "punctuated_word": "if", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "you", "start": 1468.8201, "end": 1469.06, "confidence": 0.999933, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "just", "start": 1469.06, "end": 1469.22, "confidence": 0.9997104, "punctuated_word": "just", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "get", "start": 1469.22, "end": 1469.38, "confidence": 0.8534324, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "to", "start": 1469.38, "end": 1469.54, "confidence": 0.99890804, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "a", "start": 1469.54, "end": 1469.62, "confidence": 0.99959284, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "place", "start": 1469.62, "end": 1469.9401, "confidence": 0.999923, "punctuated_word": "place", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "where", "start": 1469.9401, "end": 1470.4401, "confidence": 0.99933535, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "it", "start": 1470.9, "end": 1471.06, "confidence": 0.9965843, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "can", "start": 1471.06, "end": 1471.22, "confidence": 0.99992836, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "be", "start": 1471.22, "end": 1471.38, "confidence": 0.9998585, "punctuated_word": "be", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "asserted", "start": 1471.38, "end": 1471.78, "confidence": 0.9279713, "punctuated_word": "asserted", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "that", "start": 1471.78, "end": 1471.9401, "confidence": 0.9991677, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "the", "start": 1471.9401, "end": 1472.02, "confidence": 0.9988366, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "consumer", "start": 1472.02, "end": 1472.42, "confidence": 0.999451, "punctuated_word": "consumer", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "has", "start": 1472.42, "end": 1472.58, "confidence": 0.99979454, "punctuated_word": "has", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "the", "start": 1472.58, "end": 1472.74, "confidence": 0.99925417, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "absolute", "start": 1472.74, "end": 1473.14, "confidence": 0.99666995, "punctuated_word": "absolute", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "right", "start": 1473.14, "end": 1473.38, "confidence": 0.99986374, "punctuated_word": "right", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "to", "start": 1473.38, "end": 1473.46, "confidence": 0.9996699, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "share", "start": 1473.46, "end": 1473.7, "confidence": 0.9994129, "punctuated_word": "share", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "their", "start": 1473.7, "end": 1473.86, "confidence": 0.99957067, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "data", "start": 1473.86, "end": 1474.36, "confidence": 0.9982083, "punctuated_word": "data,", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "the", "start": 1474.66, "end": 1474.8201, "confidence": 0.9993337, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "market", "start": 1474.8201, "end": 1475.14, "confidence": 0.99995553, "punctuated_word": "market", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "can", "start": 1475.14, "end": 1475.38, "confidence": 0.99952245, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "figure", "start": 1475.38, "end": 1475.595, "confidence": 0.99665266, "punctuated_word": "figure", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "the", "start": 1475.755, "end": 1475.9149, "confidence": 0.9977877, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "rest", "start": 1475.9149, "end": 1475.955, "confidence": 0.99993324, "punctuated_word": "rest", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "of", "start": 1475.955, "end": 1475.995, "confidence": 0.9998646, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.48928976 }, { "word": "it", "start": 1475.995, "end": 1476.075, "confidence": 0.9999654, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.48928976 }, { "word": "out", "start": 1476.075, "end": 1476.475, "confidence": 0.9995234, "punctuated_word": "out.", "speaker": 1, "speaker_confidence": 0.48928976 }, { "word": "right", "start": 1476.475, "end": 1476.635, "confidence": 0.98747283, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.48928976 }, { "word": "we've", "start": 1476.635, "end": 1476.875, "confidence": 0.99987125, "punctuated_word": "We've", "speaker": 1, "speaker_confidence": 0.48928976 }, { "word": "been", "start": 1476.875, "end": 1476.955, "confidence": 0.9998981, "punctuated_word": "been", "speaker": 1, "speaker_confidence": 0.48928976 }, { "word": "doing", "start": 1476.955, "end": 1477.115, "confidence": 0.99991727, "punctuated_word": "doing", "speaker": 1, "speaker_confidence": 0.56563926 }, { "word": "this", "start": 1477.115, "end": 1477.275, "confidence": 0.9998605, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.56563926 }, { "word": "for", "start": 1477.275, "end": 1477.4349, "confidence": 0.9998429, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.56563926 }, { "word": "twenty", "start": 1477.4349, "end": 1477.6749, "confidence": 0.9998597, "punctuated_word": "twenty", "speaker": 1, "speaker_confidence": 0.56563926 }, { "word": "years", "start": 1477.6749, "end": 1478.1749, "confidence": 0.9281393, "punctuated_word": "years.", "speaker": 1, "speaker_confidence": 0.56563926 }, { "word": "in", "start": 1478.235, "end": 1478.395, "confidence": 0.94220847, "punctuated_word": "In", "speaker": 1, "speaker_confidence": 0.4873479 }, { "word": "the", "start": 1478.395, "end": 1478.5549, "confidence": 0.99958664, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.4873479 }, { "word": "absence", "start": 1478.5549, "end": 1478.875, "confidence": 0.99992883, "punctuated_word": "absence", "speaker": 1, "speaker_confidence": 0.4873479 }, { "word": "of", "start": 1478.875, "end": 1479.0349, "confidence": 0.9998995, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.4873479 }, { "word": "all", "start": 1479.0349, "end": 1479.195, "confidence": 0.99989974, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.4873479 }, { "word": "of", "start": 1479.195, "end": 1479.275, "confidence": 0.99823284, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.4873479 }, { "word": "that", "start": 1479.275, "end": 1479.4349, "confidence": 0.9998739, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.4873479 }, { "word": "regulation", "start": 1479.4349, "end": 1479.835, "confidence": 0.9995009, "punctuated_word": "regulation", "speaker": 1, "speaker_confidence": 0.4873479 }, { "word": "right", "start": 1479.9149, "end": 1480.115, "confidence": 0.9981775, "punctuated_word": "Right.", "speaker": 2, "speaker_confidence": 0.0869236 }, { "word": "we", "start": 1480.315, "end": 1480.475, "confidence": 0.9987072, "punctuated_word": "We", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "can", "start": 1480.475, "end": 1480.635, "confidence": 0.999595, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "keep", "start": 1480.635, "end": 1480.875, "confidence": 0.99990594, "punctuated_word": "keep", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "doing", "start": 1480.875, "end": 1481.115, "confidence": 0.99989724, "punctuated_word": "doing", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "it", "start": 1481.115, "end": 1481.515, "confidence": 0.9933566, "punctuated_word": "it.", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "the", "start": 1481.515, "end": 1481.6749, "confidence": 0.99978226, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "only", "start": 1481.6749, "end": 1481.9149, "confidence": 0.999969, "punctuated_word": "only", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "difference", "start": 1481.9149, "end": 1482.235, "confidence": 0.999673, "punctuated_word": "difference", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "here", "start": 1482.235, "end": 1482.475, "confidence": 0.9997439, "punctuated_word": "here", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "is", "start": 1482.475, "end": 1482.715, "confidence": 0.9999008, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "we", "start": 1482.715, "end": 1482.875, "confidence": 0.9642175, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "need", "start": 1482.875, "end": 1483.0349, "confidence": 0.99994946, "punctuated_word": "need", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "to", "start": 1483.0349, "end": 1483.115, "confidence": 0.999826, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "make", "start": 1483.115, "end": 1483.195, "confidence": 0.99970204, "punctuated_word": "make", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "sure", "start": 1483.195, "end": 1483.355, "confidence": 0.9998715, "punctuated_word": "sure", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "that", "start": 1483.355, "end": 1483.515, "confidence": 0.9728205, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "the", "start": 1483.515, "end": 1483.595, "confidence": 0.990785, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "consumer's", "start": 1483.595, "end": 1484.075, "confidence": 0.8519552, "punctuated_word": "consumer's", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "rights", "start": 1484.075, "end": 1484.315, "confidence": 0.998447, "punctuated_word": "rights", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "to", "start": 1484.315, "end": 1484.475, "confidence": 0.9990294, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "their", "start": 1484.475, "end": 1484.635, "confidence": 0.9994981, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "data", "start": 1484.635, "end": 1485.135, "confidence": 0.9991404, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "are", "start": 1485.355, "end": 1485.595, "confidence": 0.9993475, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "unfettered", "start": 1485.595, "end": 1486.095, "confidence": 0.99941546, "punctuated_word": "unfettered.", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "that's", "start": 1486.7949, "end": 1487.0349, "confidence": 0.93206, "punctuated_word": "That's", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "great", "start": 1487.0349, "end": 1487.5349, "confidence": 0.9997418, "punctuated_word": "great.", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "so", "start": 1487.835, "end": 1488.075, "confidence": 0.99476814, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "last", "start": 1488.075, "end": 1488.315, "confidence": 0.98375237, "punctuated_word": "last", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "question", "start": 1488.315, "end": 1488.715, "confidence": 0.99946517, "punctuated_word": "question", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "i'll", "start": 1488.715, "end": 1488.955, "confidence": 0.9919102, "punctuated_word": "I'll", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "ask", "start": 1488.955, "end": 1489.195, "confidence": 0.9983511, "punctuated_word": "ask", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "here", "start": 1489.195, "end": 1489.355, "confidence": 0.7085282, "punctuated_word": "here.", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "just", "start": 1489.355, "end": 1489.515, "confidence": 0.9840061, "punctuated_word": "Just", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "and", "start": 1489.595, "end": 1489.835, "confidence": 0.5052241, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "you", "start": 1489.835, "end": 1490.13, "confidence": 0.99149597, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "alluded", "start": 1490.13, "end": 1490.37, "confidence": 0.9960614, "punctuated_word": "alluded", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "to", "start": 1490.37, "end": 1490.45, "confidence": 0.98882115, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "or", "start": 1490.53, "end": 1490.5701, "confidence": 0.5096921, "punctuated_word": "or", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "you", "start": 1490.5701, "end": 1490.61, "confidence": 0.64247817, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.37243003 }, { "word": "talked", "start": 1490.61, "end": 1491.01, "confidence": 0.6374311, "punctuated_word": "talked", "speaker": 2, "speaker_confidence": 0.37243003 }, { "word": "touched", "start": 1491.09, "end": 1491.25, "confidence": 0.9428925, "punctuated_word": "touched", "speaker": 2, "speaker_confidence": 0.37243003 }, { "word": "on", "start": 1491.25, "end": 1491.41, "confidence": 0.9978955, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.37243003 }, { "word": "this", "start": 1491.41, "end": 1491.57, "confidence": 0.9973573, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.37243003 }, { "word": "a", "start": 1491.57, "end": 1491.65, "confidence": 0.9984748, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.5778347 }, { "word": "little", "start": 1491.65, "end": 1491.81, "confidence": 0.9996675, "punctuated_word": "little", "speaker": 2, "speaker_confidence": 0.5778347 }, { "word": "bit", "start": 1491.81, "end": 1491.97, "confidence": 0.99102426, "punctuated_word": "bit", "speaker": 2, "speaker_confidence": 0.5778347 }, { "word": "earlier", "start": 1491.97, "end": 1492.37, "confidence": 0.97516346, "punctuated_word": "earlier.", "speaker": 2, "speaker_confidence": 0.5778347 }, { "word": "what", "start": 1492.37, "end": 1492.61, "confidence": 0.9993692, "punctuated_word": "What", "speaker": 2, "speaker_confidence": 0.5778347 }, { "word": "are", "start": 1492.61, "end": 1492.77, "confidence": 0.9998499, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.5778347 }, { "word": "some", "start": 1492.77, "end": 1492.93, "confidence": 0.99961483, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 0.5778347 }, { "word": "of", "start": 1492.93, "end": 1493.01, "confidence": 0.99945694, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.5778347 }, { "word": "the", "start": 1493.01, "end": 1493.09, "confidence": 0.99938166, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "coolest", "start": 1493.09, "end": 1493.59, "confidence": 0.9997868, "punctuated_word": "coolest", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "trends", "start": 1493.65, "end": 1494.15, "confidence": 0.99968374, "punctuated_word": "trends", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "that", "start": 1494.45, "end": 1494.61, "confidence": 0.9993262, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "you're", "start": 1494.61, "end": 1494.85, "confidence": 0.9990115, "punctuated_word": "you're", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "seeing", "start": 1494.85, "end": 1495.09, "confidence": 0.9996711, "punctuated_word": "seeing", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "in", "start": 1495.09, "end": 1495.25, "confidence": 0.99850154, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "fintech", "start": 1495.25, "end": 1495.75, "confidence": 0.85085845, "punctuated_word": "fintech?", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "things", "start": 1495.81, "end": 1496.05, "confidence": 0.9990464, "punctuated_word": "Things", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "that", "start": 1496.05, "end": 1496.21, "confidence": 0.9994867, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "might", "start": 1496.21, "end": 1496.45, "confidence": 0.9992036, "punctuated_word": "might", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "get", "start": 1496.45, "end": 1496.77, "confidence": 0.96643996, "punctuated_word": "get,", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "you", "start": 1496.77, "end": 1496.93, "confidence": 0.9990038, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "know", "start": 1496.93, "end": 1497.25, "confidence": 0.9993621, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "consumers", "start": 1497.25, "end": 1497.75, "confidence": 0.9978173, "punctuated_word": "consumers", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "really", "start": 1497.81, "end": 1498.05, "confidence": 0.99782085, "punctuated_word": "really", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "excited", "start": 1498.05, "end": 1498.55, "confidence": 0.9998797, "punctuated_word": "excited", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "about", "start": 1498.61, "end": 1498.93, "confidence": 0.999739, "punctuated_word": "about", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "the", "start": 1498.93, "end": 1499.09, "confidence": 0.9973508, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "the", "start": 1499.09, "end": 1499.33, "confidence": 0.9821507, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "future", "start": 1499.33, "end": 1499.65, "confidence": 0.9992632, "punctuated_word": "future", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "of", "start": 1499.65, "end": 1499.81, "confidence": 0.9992853, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "this", "start": 1499.81, "end": 1500.21, "confidence": 0.9985447, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "beyond", "start": 1500.21, "end": 1500.71, "confidence": 0.41981637, "punctuated_word": "beyond", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "just", "start": 1500.93, "end": 1501.17, "confidence": 0.98027724, "punctuated_word": "just", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "the", "start": 1501.17, "end": 1501.25, "confidence": 0.9992481, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "policy", "start": 1501.25, "end": 1501.65, "confidence": 0.99952805, "punctuated_word": "policy", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "world", "start": 1501.65, "end": 1502.13, "confidence": 0.8003541, "punctuated_word": "world?", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "yeah", "start": 1502.13, "end": 1502.145, "confidence": 0.99112064, "punctuated_word": "Yeah.", "speaker": 1, "speaker_confidence": 0.26515067 }, { "word": "yeah", "start": 1502.145, "end": 1502.305, "confidence": 0.99482936, "punctuated_word": "Yeah.", "speaker": 1, "speaker_confidence": 0.26515067 }, { "word": "that's", "start": 1502.305, "end": 1502.465, "confidence": 0.9997251, "punctuated_word": "That's", "speaker": 1, "speaker_confidence": 0.26515067 }, { "word": "a", "start": 1502.465, "end": 1502.545, "confidence": 0.9995004, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.26515067 }, { "word": "great", "start": 1502.545, "end": 1502.785, "confidence": 0.99990034, "punctuated_word": "great", "speaker": 1, "speaker_confidence": 0.26515067 }, { "word": "question", "start": 1502.785, "end": 1503.105, "confidence": 0.99827564, "punctuated_word": "question.", "speaker": 1, "speaker_confidence": 0.26515067 }, { "word": "right", "start": 1503.105, "end": 1503.265, "confidence": 0.9885386, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.52711433 }, { "word": "so", "start": 1503.265, "end": 1503.425, "confidence": 0.999686, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.52711433 }, { "word": "there's", "start": 1503.425, "end": 1503.8251, "confidence": 0.9836199, "punctuated_word": "there's", "speaker": 1, "speaker_confidence": 0.52711433 }, { "word": "there's", "start": 1503.8251, "end": 1504.3251, "confidence": 0.9994079, "punctuated_word": "there's", "speaker": 1, "speaker_confidence": 0.52711433 }, { "word": "quite", "start": 1504.385, "end": 1504.785, "confidence": 0.99980074, "punctuated_word": "quite", "speaker": 1, "speaker_confidence": 0.52711433 }, { "word": "a", "start": 1504.785, "end": 1504.865, "confidence": 0.9999007, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.52711433 }, { "word": "few", "start": 1504.865, "end": 1505.185, "confidence": 0.99702114, "punctuated_word": "few.", "speaker": 1, "speaker_confidence": 0.52711433 }, { "word": "i", "start": 1505.185, "end": 1505.265, "confidence": 0.99986684, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "think", "start": 1505.265, "end": 1505.505, "confidence": 0.99998343, "punctuated_word": "think", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "the", "start": 1505.505, "end": 1505.745, "confidence": 0.8325328, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "the", "start": 1505.745, "end": 1506.0651, "confidence": 0.99727625, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "most", "start": 1506.0651, "end": 1506.545, "confidence": 0.99933547, "punctuated_word": "most", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "exciting", "start": 1506.545, "end": 1507.025, "confidence": 0.99992144, "punctuated_word": "exciting", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "really", "start": 1507.025, "end": 1507.525, "confidence": 0.5783281, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "from", "start": 1507.665, "end": 1507.905, "confidence": 0.82536125, "punctuated_word": "from", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "where", "start": 1507.905, "end": 1508.145, "confidence": 0.9990202, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "i", "start": 1508.145, "end": 1508.305, "confidence": 0.99960023, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "sit", "start": 1508.305, "end": 1508.625, "confidence": 0.9926165, "punctuated_word": "sit", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "are", "start": 1508.625, "end": 1509.125, "confidence": 0.99401987, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "what", "start": 1509.345, "end": 1509.505, "confidence": 0.9328965, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "i", "start": 1509.505, "end": 1509.585, "confidence": 0.9998246, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "think", "start": 1509.585, "end": 1509.8251, "confidence": 0.99991035, "punctuated_word": "think", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "of", "start": 1509.8251, "end": 1509.985, "confidence": 0.99749005, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "as", "start": 1509.985, "end": 1510.145, "confidence": 0.9452081, "punctuated_word": "as,", "speaker": 1, "speaker_confidence": 0.5899248 }, { "word": "like", "start": 1510.145, "end": 1510.305, "confidence": 0.99869126, "punctuated_word": "like,", "speaker": 1, "speaker_confidence": 0.5899248 }, { "word": "financial", "start": 1510.305, "end": 1510.7051, "confidence": 0.9996171, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.5899248 }, { "word": "wellness", "start": 1510.7051, "end": 1511.2051, "confidence": 0.99995387, "punctuated_word": "wellness", "speaker": 1, "speaker_confidence": 0.5899248 }, { "word": "applications", "start": 1511.505, "end": 1512.005, "confidence": 0.9025807, "punctuated_word": "applications.", "speaker": 1, "speaker_confidence": 0.5899248 }, { "word": "so", "start": 1512.785, "end": 1513.285, "confidence": 0.99906164, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "tools", "start": 1513.345, "end": 1513.845, "confidence": 0.9990608, "punctuated_word": "tools", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "that", "start": 1513.985, "end": 1514.485, "confidence": 0.84514785, "punctuated_word": "that,", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "can", "start": 1515.45, "end": 1515.69, "confidence": 0.99961686, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "smooth", "start": 1515.69, "end": 1516.1699, "confidence": 0.99977726, "punctuated_word": "smooth", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "income", "start": 1516.1699, "end": 1516.65, "confidence": 0.9996834, "punctuated_word": "income", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "for", "start": 1516.65, "end": 1516.97, "confidence": 0.99033374, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "seasonal", "start": 1516.97, "end": 1517.37, "confidence": 0.9974552, "punctuated_word": "seasonal", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "workers", "start": 1517.37, "end": 1517.85, "confidence": 0.9998995, "punctuated_word": "workers", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "or", "start": 1517.85, "end": 1518.09, "confidence": 0.9935545, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "for", "start": 1518.09, "end": 1518.33, "confidence": 0.99815315, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "low", "start": 1518.33, "end": 1518.57, "confidence": 0.9981609, "punctuated_word": "low", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "income", "start": 1518.57, "end": 1518.8099, "confidence": 0.99966383, "punctuated_word": "income", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "workers", "start": 1518.8099, "end": 1519.13, "confidence": 0.99975103, "punctuated_word": "workers", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "who", "start": 1519.13, "end": 1519.21, "confidence": 0.9122033, "punctuated_word": "who", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "don't", "start": 1519.21, "end": 1519.45, "confidence": 0.9985405, "punctuated_word": "don't", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "have", "start": 1519.45, "end": 1519.53, "confidence": 0.99706215, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "a", "start": 1519.53, "end": 1519.69, "confidence": 0.99370146, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "dependable", "start": 1519.69, "end": 1520.09, "confidence": 0.9994768, "punctuated_word": "dependable", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "paycheck", "start": 1520.09, "end": 1520.59, "confidence": 0.9441911, "punctuated_word": "paycheck.", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "but", "start": 1520.89, "end": 1521.0499, "confidence": 0.99905735, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "if", "start": 1521.0499, "end": 1521.21, "confidence": 0.99947757, "punctuated_word": "if", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "you", "start": 1521.21, "end": 1521.37, "confidence": 0.9998826, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "have", "start": 1521.37, "end": 1521.85, "confidence": 0.99965, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "a", "start": 1521.85, "end": 1522.01, "confidence": 0.9988883, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "year", "start": 1522.01, "end": 1522.33, "confidence": 0.99990785, "punctuated_word": "year", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "or", "start": 1522.33, "end": 1522.57, "confidence": 0.99901736, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "two", "start": 1522.57, "end": 1522.73, "confidence": 0.9995536, "punctuated_word": "two", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "years", "start": 1522.73, "end": 1523.21, "confidence": 0.99986374, "punctuated_word": "years", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "of", "start": 1523.21, "end": 1523.71, "confidence": 0.9993667, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "transaction", "start": 1524.1699, "end": 1524.65, "confidence": 0.9993722, "punctuated_word": "transaction", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "data", "start": 1524.65, "end": 1525.0499, "confidence": 0.9998142, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "that", "start": 1525.0499, "end": 1525.21, "confidence": 0.9967055, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "shows", "start": 1525.21, "end": 1525.71, "confidence": 0.9567999, "punctuated_word": "shows,", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "direct", "start": 1526.4099, "end": 1526.8099, "confidence": 0.99958855, "punctuated_word": "direct", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "deposit", "start": 1526.8099, "end": 1527.285, "confidence": 0.99924254, "punctuated_word": "deposit", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "into", "start": 1527.285, "end": 1527.525, "confidence": 0.99743015, "punctuated_word": "into", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "your", "start": 1527.525, "end": 1527.685, "confidence": 0.9996488, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "account", "start": 1527.685, "end": 1528.185, "confidence": 0.9999225, "punctuated_word": "account", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "rather", "start": 1528.485, "end": 1528.9651, "confidence": 0.78999907, "punctuated_word": "rather", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "than", "start": 1528.9651, "end": 1529.365, "confidence": 0.99954814, "punctuated_word": "than", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "have", "start": 1529.365, "end": 1529.605, "confidence": 0.9984396, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "to", "start": 1529.605, "end": 1529.765, "confidence": 0.99944466, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "figure", "start": 1529.765, "end": 1530.005, "confidence": 0.9999815, "punctuated_word": "figure", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "out", "start": 1530.005, "end": 1530.245, "confidence": 0.85770434, "punctuated_word": "out,", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "do", "start": 1530.245, "end": 1530.485, "confidence": 0.9992368, "punctuated_word": "do", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "you", "start": 1530.485, "end": 1530.645, "confidence": 0.9998542, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "pay", "start": 1530.645, "end": 1530.9651, "confidence": 0.9997532, "punctuated_word": "pay", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "the", "start": 1530.9651, "end": 1531.2051, "confidence": 0.9989134, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "phone", "start": 1531.2051, "end": 1531.4451, "confidence": 0.9997731, "punctuated_word": "phone", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "bill", "start": 1531.4451, "end": 1531.685, "confidence": 0.9998572, "punctuated_word": "bill", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "this", "start": 1531.685, "end": 1531.925, "confidence": 0.99947554, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "month", "start": 1531.925, "end": 1532.245, "confidence": 0.99995077, "punctuated_word": "month", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "or", "start": 1532.245, "end": 1532.405, "confidence": 0.85360193, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "the", "start": 1532.405, "end": 1532.645, "confidence": 0.99589264, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "electricity", "start": 1532.645, "end": 1533.145, "confidence": 0.9999826, "punctuated_word": "electricity", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "bill", "start": 1533.2051, "end": 1533.7051, "confidence": 0.99985206, "punctuated_word": "bill", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "or", "start": 1533.8451, "end": 1534.0851, "confidence": 0.9666296, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "the", "start": 1534.0851, "end": 1534.3251, "confidence": 0.9997981, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "rent", "start": 1534.3251, "end": 1534.805, "confidence": 0.9998222, "punctuated_word": "rent", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "or", "start": 1534.805, "end": 1535.2051, "confidence": 0.9935615, "punctuated_word": "or,", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "you", "start": 1535.2051, "end": 1535.285, "confidence": 0.99963355, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "know", "start": 1535.285, "end": 1535.525, "confidence": 0.9999571, "punctuated_word": "know,", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "your", "start": 1535.525, "end": 1535.765, "confidence": 0.9992901, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "kid's", "start": 1535.765, "end": 1536.265, "confidence": 0.88032293, "punctuated_word": "kid's,", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "tuition", "start": 1536.885, "end": 1537.385, "confidence": 0.7658956, "punctuated_word": "tuition?", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "they", "start": 1538.725, "end": 1538.885, "confidence": 0.99828607, "punctuated_word": "They", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "will", "start": 1538.885, "end": 1539.125, "confidence": 0.9995259, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "say", "start": 1539.125, "end": 1539.285, "confidence": 0.8685186, "punctuated_word": "say,", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "we'll", "start": 1539.285, "end": 1539.525, "confidence": 0.9987841, "punctuated_word": "we'll", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "give", "start": 1539.525, "end": 1539.685, "confidence": 0.9998932, "punctuated_word": "give", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "you", "start": 1539.685, "end": 1540.185, "confidence": 0.9991831, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "a", "start": 1540.485, "end": 1540.805, "confidence": 0.99945456, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "dependable", "start": 1540.805, "end": 1541.305, "confidence": 0.9999359, "punctuated_word": "dependable", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "amount", "start": 1541.365, "end": 1541.61, "confidence": 0.9995877, "punctuated_word": "amount", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "every", "start": 1541.61, "end": 1541.85, "confidence": 0.9994294, "punctuated_word": "every", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "two", "start": 1541.85, "end": 1541.9299, "confidence": 0.99955755, "punctuated_word": "two", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "months", "start": 1541.9299, "end": 1542.01, "confidence": 0.9994855, "punctuated_word": "months", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "or", "start": 1542.01, "end": 1542.09, "confidence": 0.8235588, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "every", "start": 1542.09, "end": 1542.33, "confidence": 0.999652, "punctuated_word": "every", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "month", "start": 1542.33, "end": 1542.57, "confidence": 0.9996556, "punctuated_word": "month", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "in", "start": 1542.57, "end": 1542.73, "confidence": 0.9748014, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "your", "start": 1542.73, "end": 1542.89, "confidence": 0.99985564, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "paycheck", "start": 1542.89, "end": 1543.39, "confidence": 0.9971652, "punctuated_word": "paycheck.", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "it", "start": 1543.45, "end": 1543.69, "confidence": 0.9995547, "punctuated_word": "It", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "will", "start": 1543.69, "end": 1543.85, "confidence": 0.9998816, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "equal", "start": 1543.85, "end": 1544.25, "confidence": 0.99961424, "punctuated_word": "equal", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "over", "start": 1544.25, "end": 1544.49, "confidence": 0.99270755, "punctuated_word": "over", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "a", "start": 1544.49, "end": 1544.65, "confidence": 0.9993154, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "year", "start": 1544.65, "end": 1544.97, "confidence": 0.9999107, "punctuated_word": "year", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "to", "start": 1544.97, "end": 1545.13, "confidence": 0.99706453, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "what", "start": 1545.13, "end": 1545.29, "confidence": 0.990612, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "you", "start": 1545.29, "end": 1545.53, "confidence": 0.9998338, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "will", "start": 1545.53, "end": 1545.77, "confidence": 0.99673647, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "take", "start": 1545.77, "end": 1545.9299, "confidence": 0.999866, "punctuated_word": "take", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "home", "start": 1545.9299, "end": 1546.09, "confidence": 0.9970101, "punctuated_word": "home", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "anyway", "start": 1546.09, "end": 1546.59, "confidence": 0.88312984, "punctuated_word": "anyway,", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "but", "start": 1546.8099, "end": 1547.0499, "confidence": 0.9995746, "punctuated_word": "but", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "it's", "start": 1547.0499, "end": 1547.29, "confidence": 0.999864, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "smooth", "start": 1547.29, "end": 1547.69, "confidence": 0.9277619, "punctuated_word": "smooth.", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "so", "start": 1547.69, "end": 1547.85, "confidence": 0.9990108, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "you", "start": 1547.85, "end": 1548.01, "confidence": 0.9996511, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "will", "start": 1548.01, "end": 1548.17, "confidence": 0.9891396, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "not", "start": 1548.17, "end": 1548.33, "confidence": 0.99535346, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "have", "start": 1548.33, "end": 1548.4099, "confidence": 0.99384403, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "to", "start": 1548.4099, "end": 1548.49, "confidence": 0.99845195, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "make", "start": 1548.49, "end": 1548.73, "confidence": 0.9984611, "punctuated_word": "make", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "those", "start": 1548.73, "end": 1548.97, "confidence": 0.9908103, "punctuated_word": "those", "speaker": 1, "speaker_confidence": 0.5406047 }, { "word": "choices", "start": 1548.97, "end": 1549.29, "confidence": 0.9984799, "punctuated_word": "choices", "speaker": 1, "speaker_confidence": 0.5406047 }, { "word": "every", "start": 1549.29, "end": 1549.53, "confidence": 0.99922, "punctuated_word": "every", "speaker": 1, "speaker_confidence": 0.5406047 }, { "word": "year", "start": 1549.53, "end": 1549.9299, "confidence": 0.99976915, "punctuated_word": "year.", "speaker": 1, "speaker_confidence": 0.5406047 }, { "word": "so", "start": 1549.9299, "end": 1550.09, "confidence": 0.9992692, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.5406047 }, { "word": "there's", "start": 1550.09, "end": 1550.41, "confidence": 0.9844452, "punctuated_word": "there's", "speaker": 1, "speaker_confidence": 0.5406047 }, { "word": "a", "start": 1550.41, "end": 1550.49, "confidence": 0.9997025, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.5406047 }, { "word": "host", "start": 1550.49, "end": 1550.73, "confidence": 0.9999286, "punctuated_word": "host", "speaker": 1, "speaker_confidence": 0.5406047 }, { "word": "of", "start": 1550.73, "end": 1550.8099, "confidence": 0.99981266, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.5406047 }, { "word": "applications", "start": 1550.8099, "end": 1551.3099, "confidence": 0.9994566, "punctuated_word": "applications", "speaker": 1, "speaker_confidence": 0.5406047 }, { "word": "like", "start": 1551.61, "end": 1551.77, "confidence": 0.9993666, "punctuated_word": "like", "speaker": 1, "speaker_confidence": 0.61466444 }, { "word": "that", "start": 1551.77, "end": 1552.17, "confidence": 0.85669506, "punctuated_word": "that,", "speaker": 1, "speaker_confidence": 0.61466444 }, { "word": "fixed", "start": 1552.17, "end": 1552.49, "confidence": 0.9897698, "punctuated_word": "fixed", "speaker": 1, "speaker_confidence": 0.61466444 }, { "word": "income", "start": 1552.49, "end": 1552.89, "confidence": 0.99990356, "punctuated_word": "income", "speaker": 1, "speaker_confidence": 0.61466444 }, { "word": "optimization", "start": 1552.89, "end": 1553.39, "confidence": 0.9996418, "punctuated_word": "optimization", "speaker": 1, "speaker_confidence": 0.61466444 }, { "word": "tools", "start": 1553.61, "end": 1554.015, "confidence": 0.99946064, "punctuated_word": "tools.", "speaker": 1, "speaker_confidence": 0.61466444 }, { "word": "right", "start": 1554.015, "end": 1554.175, "confidence": 0.997002, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "i", "start": 1554.175, "end": 1554.335, "confidence": 0.99991655, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "alluded", "start": 1554.335, "end": 1554.495, "confidence": 0.9989882, "punctuated_word": "alluded", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "to", "start": 1554.495, "end": 1554.975, "confidence": 0.9994773, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "the", "start": 1554.975, "end": 1555.215, "confidence": 0.9995302, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "divorce", "start": 1555.215, "end": 1555.6951, "confidence": 0.9964886, "punctuated_word": "divorce", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "reconciliation", "start": 1555.6951, "end": 1556.1951, "confidence": 0.9994475, "punctuated_word": "reconciliation", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "tool", "start": 1556.415, "end": 1556.915, "confidence": 0.99097085, "punctuated_word": "tool.", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "it's", "start": 1557.455, "end": 1557.955, "confidence": 0.9981297, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "it's", "start": 1558.655, "end": 1558.8151, "confidence": 0.9649024, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "limitless", "start": 1558.8151, "end": 1559.3151, "confidence": 0.92821836, "punctuated_word": "limitless,", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "really", "start": 1559.375, "end": 1559.6951, "confidence": 0.99737036, "punctuated_word": "really,", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "when", "start": 1559.6951, "end": 1559.855, "confidence": 0.99991906, "punctuated_word": "when", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "you", "start": 1559.855, "end": 1559.935, "confidence": 0.9999068, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "think", "start": 1559.935, "end": 1560.095, "confidence": 0.9999585, "punctuated_word": "think", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "about", "start": 1560.095, "end": 1560.255, "confidence": 0.9997913, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "it", "start": 1560.255, "end": 1560.415, "confidence": 0.998564, "punctuated_word": "it.", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "it's", "start": 1560.415, "end": 1560.5751, "confidence": 0.9978249, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "and", "start": 1560.655, "end": 1560.895, "confidence": 0.9974253, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "the", "start": 1560.895, "end": 1561.055, "confidence": 0.99030286, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "the", "start": 1561.055, "end": 1561.135, "confidence": 0.99444145, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "beauty", "start": 1561.135, "end": 1561.455, "confidence": 0.99971324, "punctuated_word": "beauty", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "of", "start": 1561.455, "end": 1561.535, "confidence": 0.9998989, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "it", "start": 1561.535, "end": 1561.6951, "confidence": 0.9998186, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "is", "start": 1561.6951, "end": 1561.855, "confidence": 0.999038, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "it's", "start": 1561.855, "end": 1562.015, "confidence": 0.9894125, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "all", "start": 1562.015, "end": 1562.255, "confidence": 0.9999083, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "dependent", "start": 1562.255, "end": 1562.655, "confidence": 0.999164, "punctuated_word": "dependent", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "on", "start": 1562.655, "end": 1562.815, "confidence": 0.99982387, "punctuated_word": "on", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "a", "start": 1562.815, "end": 1562.975, "confidence": 0.53057075, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "really", "start": 1562.975, "end": 1563.475, "confidence": 0.78626645, "punctuated_word": "really,", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "generally", "start": 1563.6951, "end": 1564.175, "confidence": 0.7937454, "punctuated_word": "generally,", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "simple", "start": 1564.175, "end": 1564.675, "confidence": 0.9988814, "punctuated_word": "simple", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "transaction", "start": 1564.8151, "end": 1565.3151, "confidence": 0.9991547, "punctuated_word": "transaction", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "data", "start": 1565.375, "end": 1565.875, "confidence": 0.99975747, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "that", "start": 1566.175, "end": 1566.655, "confidence": 0.9986172, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "you", "start": 1566.655, "end": 1566.895, "confidence": 0.9997738, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "have", "start": 1566.895, "end": 1567.135, "confidence": 0.9998056, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "at", "start": 1567.135, "end": 1567.215, "confidence": 0.9997814, "punctuated_word": "at", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "your", "start": 1567.215, "end": 1567.375, "confidence": 0.99976414, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "fingertips", "start": 1567.375, "end": 1567.875, "confidence": 0.9997116, "punctuated_word": "fingertips", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "now", "start": 1568.015, "end": 1568.34, "confidence": 0.9391084, "punctuated_word": "now.", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "and", "start": 1568.6599, "end": 1568.9, "confidence": 0.9485655, "punctuated_word": "And,", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "theoretically", "start": 1568.9, "end": 1569.4, "confidence": 0.99994457, "punctuated_word": "theoretically,", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "you", "start": 1569.46, "end": 1569.62, "confidence": 0.99987483, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "could", "start": 1569.62, "end": 1569.7799, "confidence": 0.9999081, "punctuated_word": "could", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "have", "start": 1569.7799, "end": 1569.94, "confidence": 0.9510281, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "just", "start": 1569.94, "end": 1570.1799, "confidence": 0.9997272, "punctuated_word": "just", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "printed", "start": 1570.1799, "end": 1570.58, "confidence": 0.80009216, "punctuated_word": "printed", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "out", "start": 1570.58, "end": 1570.9, "confidence": 0.95229125, "punctuated_word": "out,", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "right", "start": 1570.9, "end": 1571.22, "confidence": 0.9997011, "punctuated_word": "right,", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "and", "start": 1571.22, "end": 1571.46, "confidence": 0.9997538, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "done", "start": 1571.46, "end": 1571.7, "confidence": 0.99957997, "punctuated_word": "done", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "with", "start": 1571.7, "end": 1571.86, "confidence": 0.99983704, "punctuated_word": "with", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "it", "start": 1571.86, "end": 1571.98, "confidence": 0.8161459, "punctuated_word": "it,", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "you", "start": 1571.98, "end": 1572.1, "confidence": 0.9908337, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "know", "start": 1572.1, "end": 1572.26, "confidence": 0.9990896, "punctuated_word": "know,", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "in", "start": 1572.26, "end": 1572.34, "confidence": 0.59523606, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "an", "start": 1572.34, "end": 1572.4199, "confidence": 0.5823656, "punctuated_word": "an", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "excel", "start": 1572.4199, "end": 1572.74, "confidence": 0.97258806, "punctuated_word": "Excel", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "spreadsheet", "start": 1572.74, "end": 1573.22, "confidence": 0.907749, "punctuated_word": "spreadsheet,", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "kind", "start": 1573.22, "end": 1573.46, "confidence": 0.992361, "punctuated_word": "kind", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "of", "start": 1573.46, "end": 1573.5399, "confidence": 0.9997496, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "all", "start": 1573.5399, "end": 1573.7, "confidence": 0.92873454, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "this", "start": 1573.7, "end": 1573.86, "confidence": 0.91822016, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "stuff", "start": 1573.86, "end": 1574.1, "confidence": 0.9998666, "punctuated_word": "stuff", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "on", "start": 1574.1, "end": 1574.26, "confidence": 0.99092406, "punctuated_word": "on", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "your", "start": 1574.26, "end": 1574.4199, "confidence": 0.9994306, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "own", "start": 1574.4199, "end": 1574.9, "confidence": 0.9389827, "punctuated_word": "own.", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "but", "start": 1574.9, "end": 1575.14, "confidence": 0.9976261, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "the", "start": 1575.14, "end": 1575.2999, "confidence": 0.99991, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "ability", "start": 1575.2999, "end": 1575.7, "confidence": 0.9999299, "punctuated_word": "ability", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "to", "start": 1575.7, "end": 1575.86, "confidence": 0.99945766, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "put", "start": 1575.86, "end": 1576.02, "confidence": 0.9999064, "punctuated_word": "put", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "it", "start": 1576.02, "end": 1576.26, "confidence": 0.998765, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "in", "start": 1576.26, "end": 1576.5, "confidence": 0.99875534, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "categorized", "start": 1576.5, "end": 1577.0, "confidence": 0.9748038, "punctuated_word": "categorized", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "form", "start": 1577.14, "end": 1577.5399, "confidence": 0.813403, "punctuated_word": "form,", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "in", "start": 1577.5399, "end": 1577.7, "confidence": 0.99592507, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "dashboards", "start": 1577.7, "end": 1578.2, "confidence": 0.98670155, "punctuated_word": "dashboards,", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "and", "start": 1578.34, "end": 1578.5, "confidence": 0.9996972, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "to", "start": 1578.5, "end": 1578.6599, "confidence": 0.99966145, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "dice", "start": 1578.6599, "end": 1578.9, "confidence": 0.9991229, "punctuated_word": "dice", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "it", "start": 1578.9, "end": 1578.98, "confidence": 0.97817343, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "and", "start": 1578.98, "end": 1579.14, "confidence": 0.90851283, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "slice", "start": 1579.14, "end": 1579.38, "confidence": 0.99864143, "punctuated_word": "slice", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "it", "start": 1579.38, "end": 1579.46, "confidence": 0.9812122, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "and", "start": 1579.46, "end": 1579.62, "confidence": 0.83181995, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "apply", "start": 1579.62, "end": 1579.86, "confidence": 0.99990535, "punctuated_word": "apply", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "analytics", "start": 1579.86, "end": 1580.34, "confidence": 0.9946727, "punctuated_word": "analytics", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "to", "start": 1580.34, "end": 1580.4199, "confidence": 0.9996487, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "it", "start": 1580.4199, "end": 1580.895, "confidence": 0.99945265, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "empowers", "start": 1581.055, "end": 1581.375, "confidence": 0.9988791, "punctuated_word": "empowers", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "all", "start": 1581.375, "end": 1581.615, "confidence": 0.99986374, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "of", "start": 1581.615, "end": 1581.775, "confidence": 0.9994154, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "these", "start": 1581.775, "end": 1581.935, "confidence": 0.9998404, "punctuated_word": "these", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "tools", "start": 1581.935, "end": 1582.255, "confidence": 0.9996811, "punctuated_word": "tools", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "to", "start": 1582.255, "end": 1582.415, "confidence": 0.99946827, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "help", "start": 1582.415, "end": 1582.5751, "confidence": 0.9999021, "punctuated_word": "help", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "you", "start": 1582.5751, "end": 1582.735, "confidence": 0.99973935, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "make", "start": 1582.735, "end": 1582.975, "confidence": 0.99945074, "punctuated_word": "make", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "sense", "start": 1582.975, "end": 1583.135, "confidence": 0.99983597, "punctuated_word": "sense", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "of", "start": 1583.135, "end": 1583.295, "confidence": 0.9994628, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "your", "start": 1583.295, "end": 1583.4551, "confidence": 0.99977833, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "finances", "start": 1583.4551, "end": 1583.9551, "confidence": 0.99951386, "punctuated_word": "finances.", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "that's", "start": 1584.175, "end": 1584.415, "confidence": 0.9995757, "punctuated_word": "That's", "speaker": 2, "speaker_confidence": 0.22297001 }, { "word": "great", "start": 1584.415, "end": 1584.655, "confidence": 0.9998275, "punctuated_word": "great.", "speaker": 2, "speaker_confidence": 0.22297001 }, { "word": "yeah", "start": 1584.655, "end": 1584.895, "confidence": 0.997723, "punctuated_word": "Yeah.", "speaker": 2, "speaker_confidence": 0.60189885 }, { "word": "no", "start": 1584.895, "end": 1585.055, "confidence": 0.95826834, "punctuated_word": "No.", "speaker": 2, "speaker_confidence": 0.60189885 }, { "word": "i", "start": 1585.055, "end": 1585.135, "confidence": 0.9996489, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.60189885 }, { "word": "am", "start": 1585.135, "end": 1585.255, "confidence": 0.6079459, "punctuated_word": "am", "speaker": 2, "speaker_confidence": 0.60189885 }, { "word": "i'm", "start": 1585.375, "end": 1585.615, "confidence": 0.99957955, "punctuated_word": "I'm", "speaker": 2, "speaker_confidence": 0.60189885 }, { "word": "no", "start": 1585.615, "end": 1585.855, "confidence": 0.9992725, "punctuated_word": "no", "speaker": 2, "speaker_confidence": 0.60189885 }, { "word": "excel", "start": 1585.855, "end": 1586.355, "confidence": 0.9644152, "punctuated_word": "Excel", "speaker": 2, "speaker_confidence": 0.60189885 }, { "word": "expert", "start": 1586.415, "end": 1586.8151, "confidence": 0.7611233, "punctuated_word": "expert.", "speaker": 2, "speaker_confidence": 0.60189885 }, { "word": "so", "start": 1586.8151, "end": 1586.975, "confidence": 0.990638, "punctuated_word": "So,", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "you", "start": 1586.975, "end": 1587.055, "confidence": 0.999828, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "know", "start": 1587.055, "end": 1587.295, "confidence": 0.99987006, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "that", "start": 1587.295, "end": 1587.535, "confidence": 0.99927264, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "that", "start": 1587.535, "end": 1587.6951, "confidence": 0.9991392, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "excel", "start": 1587.6951, "end": 1588.095, "confidence": 0.99511445, "punctuated_word": "Excel", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "solution", "start": 1588.095, "end": 1588.415, "confidence": 0.99936205, "punctuated_word": "solution", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "is", "start": 1588.415, "end": 1588.5751, "confidence": 0.9939634, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "never", "start": 1588.5751, "end": 1588.8151, "confidence": 0.99830234, "punctuated_word": "never", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "a", "start": 1588.8151, "end": 1588.895, "confidence": 0.9226047, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "good", "start": 1588.895, "end": 1589.055, "confidence": 0.999925, "punctuated_word": "good", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "one", "start": 1589.055, "end": 1589.215, "confidence": 0.9960177, "punctuated_word": "one.", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "anything", "start": 1589.215, "end": 1589.4551, "confidence": 0.5832061, "punctuated_word": "Anything", "speaker": 2, "speaker_confidence": 0.46045768 }, { "word": "that", "start": 1589.4551, "end": 1589.615, "confidence": 0.9991008, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.46045768 }, { "word": "makes", "start": 1589.615, "end": 1589.935, "confidence": 0.99535596, "punctuated_word": "makes", "speaker": 2, "speaker_confidence": 0.46045768 }, { "word": "it", "start": 1589.935, "end": 1590.095, "confidence": 0.98403144, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.46045768 }, { "word": "easier", "start": 1590.095, "end": 1590.335, "confidence": 0.9955979, "punctuated_word": "easier", "speaker": 2, "speaker_confidence": 0.46045768 }, { "word": "is", "start": 1590.335, "end": 1590.5751, "confidence": 0.9973073, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.46045768 }, { "word": "better", "start": 1590.5751, "end": 1591.055, "confidence": 0.9992926, "punctuated_word": "better.", "speaker": 2, "speaker_confidence": 0.46045768 }, { "word": "i", "start": 1591.055, "end": 1591.215, "confidence": 0.9370935, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "think", "start": 1591.215, "end": 1591.535, "confidence": 0.99468493, "punctuated_word": "think", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "the", "start": 1591.535, "end": 1591.775, "confidence": 0.9971878, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "data", "start": 1591.775, "end": 1592.095, "confidence": 0.99975485, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "that", "start": 1592.095, "end": 1592.335, "confidence": 0.9997181, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "we", "start": 1592.335, "end": 1592.655, "confidence": 0.9997162, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "have", "start": 1592.655, "end": 1593.055, "confidence": 0.9996784, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "shows", "start": 1593.055, "end": 1593.375, "confidence": 0.9987637, "punctuated_word": "shows", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "that", "start": 1593.375, "end": 1593.615, "confidence": 0.9791621, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "before", "start": 1593.615, "end": 1593.935, "confidence": 0.9880207, "punctuated_word": "before", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "fintech", "start": 1593.935, "end": 1594.415, "confidence": 0.97697514, "punctuated_word": "fintech,", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "only", "start": 1594.415, "end": 1594.655, "confidence": 0.9995615, "punctuated_word": "only", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "about", "start": 1594.655, "end": 1594.86, "confidence": 0.9948015, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "2%", "start": 1594.94, "end": 1595.34, "confidence": 0.99964833, "punctuated_word": "2%", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "of", "start": 1595.34, "end": 1595.58, "confidence": 0.99972385, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "people", "start": 1595.58, "end": 1595.82, "confidence": 0.99972314, "punctuated_word": "people", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "actually", "start": 1595.82, "end": 1596.22, "confidence": 0.99864537, "punctuated_word": "actually", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "had", "start": 1596.22, "end": 1596.72, "confidence": 0.9974808, "punctuated_word": "had", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "budgeting", "start": 1596.94, "end": 1597.34, "confidence": 0.99987924, "punctuated_word": "budgeting", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "tools", "start": 1597.34, "end": 1597.84, "confidence": 0.99979144, "punctuated_word": "tools", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "that", "start": 1597.9, "end": 1598.2999, "confidence": 0.95983154, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "they", "start": 1598.2999, "end": 1598.54, "confidence": 0.9943922, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "could", "start": 1598.54, "end": 1598.7, "confidence": 0.99974436, "punctuated_word": "could", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "track", "start": 1598.7, "end": 1599.02, "confidence": 0.99979347, "punctuated_word": "track", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "all", "start": 1599.02, "end": 1599.1799, "confidence": 0.99984336, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "their", "start": 1599.1799, "end": 1599.42, "confidence": 0.9923808, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "finances", "start": 1599.42, "end": 1599.92, "confidence": 0.9982864, "punctuated_word": "finances", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "across", "start": 1599.98, "end": 1600.46, "confidence": 0.9998173, "punctuated_word": "across", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "all", "start": 1600.46, "end": 1600.7, "confidence": 0.99949384, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "of", "start": 1600.7, "end": 1600.86, "confidence": 0.9948454, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "the", "start": 1600.86, "end": 1601.02, "confidence": 0.99869174, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "accounts", "start": 1601.02, "end": 1601.34, "confidence": 0.99902797, "punctuated_word": "accounts", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "that", "start": 1601.34, "end": 1601.5, "confidence": 0.99858046, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "they", "start": 1601.5, "end": 1601.66, "confidence": 0.9998696, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "had", "start": 1601.66, "end": 1601.9, "confidence": 0.94176626, "punctuated_word": "had.", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "so", "start": 1601.9, "end": 1602.4, "confidence": 0.9994085, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "there's", "start": 1602.46, "end": 1602.7, "confidence": 0.98968434, "punctuated_word": "there's", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "a", "start": 1602.7, "end": 1602.86, "confidence": 0.99862874, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "huge", "start": 1602.86, "end": 1603.1799, "confidence": 0.92651224, "punctuated_word": "huge,", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "huge", "start": 1603.1799, "end": 1603.34, "confidence": 0.99727255, "punctuated_word": "huge,", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "huge", "start": 1603.34, "end": 1603.58, "confidence": 0.99986625, "punctuated_word": "huge", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "benefit", "start": 1603.58, "end": 1603.82, "confidence": 0.98401594, "punctuated_word": "benefit", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "to", "start": 1603.82, "end": 1604.0599, "confidence": 0.8986311, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "this", "start": 1604.0599, "end": 1604.2999, "confidence": 0.9890439, "punctuated_word": "this.", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "absolutely", "start": 1604.2999, "end": 1604.62, "confidence": 0.74747497, "punctuated_word": "Absolutely.", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "well", "start": 1604.62, "end": 1604.86, "confidence": 0.86991036, "punctuated_word": "Well,", "speaker": 2, "speaker_confidence": 0.62250316 }, { "word": "there", "start": 1604.86, "end": 1605.02, "confidence": 0.9990553, "punctuated_word": "there", "speaker": 2, "speaker_confidence": 0.62250316 }, { "word": "are", "start": 1605.02, "end": 1605.1799, "confidence": 0.9993529, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.62250316 }, { "word": "definitely", "start": 1605.1799, "end": 1605.58, "confidence": 0.9985701, "punctuated_word": "definitely", "speaker": 2, "speaker_confidence": 0.62250316 }, { "word": "a", "start": 1605.58, "end": 1605.66, "confidence": 0.99912137, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.62250316 }, { "word": "lot", "start": 1605.66, "end": 1605.82, "confidence": 0.99941385, "punctuated_word": "lot", "speaker": 2, "speaker_confidence": 0.62250316 }, { "word": "of", "start": 1605.82, "end": 1605.9, "confidence": 0.9989073, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.62250316 }, { "word": "potential", "start": 1605.9, "end": 1606.38, "confidence": 0.99947757, "punctuated_word": "potential", "speaker": 2, "speaker_confidence": 0.62250316 }, { "word": "benefits", "start": 1606.38, "end": 1606.88, "confidence": 0.96246475, "punctuated_word": "benefits", "speaker": 2, "speaker_confidence": 0.62250316 }, { "word": "and", "start": 1607.02, "end": 1607.1, "confidence": 0.9776249, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.40014446 }, { "word": "some", "start": 1607.1, "end": 1607.26, "confidence": 0.996846, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 0.40014446 }, { "word": "risks", "start": 1607.26, "end": 1607.58, "confidence": 0.9994267, "punctuated_word": "risks", "speaker": 2, "speaker_confidence": 0.40014446 }, { "word": "out", "start": 1607.58, "end": 1607.74, "confidence": 0.99970156, "punctuated_word": "out", "speaker": 2, "speaker_confidence": 0.40014446 }, { "word": "there", "start": 1607.74, "end": 1607.98, "confidence": 0.9536046, "punctuated_word": "there.", "speaker": 2, "speaker_confidence": 0.40014446 }, { "word": "so", "start": 1607.98, "end": 1608.0599, "confidence": 0.7702636, "punctuated_word": "So,", "speaker": 2, "speaker_confidence": 0.70748484 }, { "word": "hopefully", "start": 1608.0599, "end": 1608.46, "confidence": 0.9996697, "punctuated_word": "hopefully,", "speaker": 2, "speaker_confidence": 0.70748484 }, { "word": "all", "start": 1608.46, "end": 1608.7, "confidence": 0.9997582, "punctuated_word": "all", "speaker": 2, "speaker_confidence": 0.70748484 }, { "word": "sectors", "start": 1608.7, "end": 1609.1799, "confidence": 0.999074, "punctuated_word": "sectors", "speaker": 2, "speaker_confidence": 0.70748484 }, { "word": "come", "start": 1609.1799, "end": 1609.42, "confidence": 0.99893826, "punctuated_word": "come", "speaker": 2, "speaker_confidence": 0.70748484 }, { "word": "together", "start": 1609.42, "end": 1609.82, "confidence": 0.87197936, "punctuated_word": "together,", "speaker": 2, "speaker_confidence": 0.70748484 }, { "word": "figure", "start": 1609.82, "end": 1610.085, "confidence": 0.998982, "punctuated_word": "figure", "speaker": 2, "speaker_confidence": 0.70748484 }, { "word": "this", "start": 1610.085, "end": 1610.4049, "confidence": 0.99867034, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.70748484 }, { "word": "out", "start": 1610.4049, "end": 1610.725, "confidence": 0.99818385, "punctuated_word": "out.", "speaker": 2, "speaker_confidence": 0.70748484 }, { "word": "steve", "start": 1610.725, "end": 1611.225, "confidence": 0.99624914, "punctuated_word": "Steve,", "speaker": 2, "speaker_confidence": 0.66777104 }, { "word": "thank", "start": 1611.2849, "end": 1611.365, "confidence": 0.99916065, "punctuated_word": "thank", "speaker": 2, "speaker_confidence": 0.66777104 }, { "word": "you", "start": 1611.365, "end": 1611.5249, "confidence": 0.99994063, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.66777104 }, { "word": "so", "start": 1611.5249, "end": 1611.6849, "confidence": 0.9993344, "punctuated_word": "so", "speaker": 2, "speaker_confidence": 0.66777104 }, { "word": "much", "start": 1611.6849, "end": 1611.845, "confidence": 0.9999502, "punctuated_word": "much", "speaker": 2, "speaker_confidence": 0.66777104 }, { "word": "for", "start": 1611.845, "end": 1612.085, "confidence": 0.99954826, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.66777104 }, { "word": "sharing", "start": 1612.085, "end": 1612.325, "confidence": 0.9991984, "punctuated_word": "sharing", "speaker": 2, "speaker_confidence": 0.66777104 }, { "word": "your", "start": 1612.325, "end": 1612.565, "confidence": 0.9992938, "punctuated_word": "your", "speaker": 2, "speaker_confidence": 0.66777104 }, { "word": "insights", "start": 1612.565, "end": 1612.885, "confidence": 0.9975352, "punctuated_word": "insights", "speaker": 2, "speaker_confidence": 0.66777104 }, { "word": "and", "start": 1612.885, "end": 1613.0449, "confidence": 0.96199095, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.34712076 }, { "word": "being", "start": 1613.0449, "end": 1613.2849, "confidence": 0.9979328, "punctuated_word": "being", "speaker": 2, "speaker_confidence": 0.34712076 }, { "word": "on", "start": 1613.2849, "end": 1613.445, "confidence": 0.9992255, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.34712076 }, { "word": "tech", "start": 1613.445, "end": 1613.605, "confidence": 0.7918198, "punctuated_word": "Tech", "speaker": 2, "speaker_confidence": 0.34712076 }, { "word": "talk", "start": 1613.605, "end": 1613.9249, "confidence": 0.97602034, "punctuated_word": "Talk.", "speaker": 2, "speaker_confidence": 0.34712076 }, { "word": "thanks", "start": 1613.9249, "end": 1614.085, "confidence": 0.99408466, "punctuated_word": "Thanks", "speaker": 1, "speaker_confidence": 0.18957615 }, { "word": "for", "start": 1614.085, "end": 1614.245, "confidence": 0.9974534, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.18957615 }, { "word": "having", "start": 1614.245, "end": 1614.4049, "confidence": 0.99297196, "punctuated_word": "having", "speaker": 1, "speaker_confidence": 0.18957615 }, { "word": "me", "start": 1614.4049, "end": 1614.9049, "confidence": 0.99789727, "punctuated_word": "me.", "speaker": 1, "speaker_confidence": 0.18957615 }, { "word": "that's", "start": 1619.6849, "end": 1619.9249, "confidence": 0.9118984, "punctuated_word": "That's", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "it", "start": 1619.9249, "end": 1620.085, "confidence": 0.99965024, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "for", "start": 1620.085, "end": 1620.245, "confidence": 0.9993456, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "this", "start": 1620.245, "end": 1620.485, "confidence": 0.99969065, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "episode", "start": 1620.485, "end": 1620.8049, "confidence": 0.99938273, "punctuated_word": "episode", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "of", "start": 1620.8049, "end": 1621.0449, "confidence": 0.9997677, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "tech", "start": 1621.0449, "end": 1621.205, "confidence": 0.98022777, "punctuated_word": "Tech", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "talk", "start": 1621.205, "end": 1621.605, "confidence": 0.9972211, "punctuated_word": "Talk.", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "if", "start": 1621.605, "end": 1621.765, "confidence": 0.9975013, "punctuated_word": "If", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "you'd", "start": 1621.765, "end": 1621.9249, "confidence": 0.99597156, "punctuated_word": "you'd", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "like", "start": 1621.9249, "end": 1622.085, "confidence": 0.99920386, "punctuated_word": "like", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "to", "start": 1622.085, "end": 1622.1649, "confidence": 0.99870634, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "find", "start": 1622.1649, "end": 1622.325, "confidence": 0.9996213, "punctuated_word": "find", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "out", "start": 1622.325, "end": 1622.485, "confidence": 0.9992244, "punctuated_word": "out", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "more", "start": 1622.485, "end": 1622.725, "confidence": 0.9996507, "punctuated_word": "more", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "about", "start": 1622.725, "end": 1622.965, "confidence": 0.99783486, "punctuated_word": "about", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "cdc's", "start": 1622.965, "end": 1623.465, "confidence": 0.87331027, "punctuated_word": "CDC's", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "work", "start": 1623.5249, "end": 1623.845, "confidence": 0.9974693, "punctuated_word": "work", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "on", "start": 1623.845, "end": 1624.085, "confidence": 0.989952, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "data", "start": 1624.085, "end": 1624.485, "confidence": 0.9975084, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "and", "start": 1624.485, "end": 1624.645, "confidence": 0.9970451, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "privacy", "start": 1624.645, "end": 1625.145, "confidence": 0.9995401, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "across", "start": 1625.205, "end": 1625.5249, "confidence": 0.9925804, "punctuated_word": "across", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "sectors", "start": 1625.5249, "end": 1625.88, "confidence": 0.98817647, "punctuated_word": "sectors,", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "be", "start": 1626.4401, "end": 1626.52, "confidence": 0.9797952, "punctuated_word": "be", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "sure", "start": 1626.52, "end": 1626.68, "confidence": 0.99961394, "punctuated_word": "sure", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "to", "start": 1626.68, "end": 1626.84, "confidence": 0.99963427, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "visit", "start": 1626.84, "end": 1627.16, "confidence": 0.99966216, "punctuated_word": "visit", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "cdt.org", "start": 1627.16, "end": 1628.54, "confidence": 0.9179292, "punctuated_word": "cdt.org", "speaker": 2, "speaker_confidence": 0.8952387 }, { "word": "and", "start": 1629.0, "end": 1629.48, "confidence": 0.979835, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "we'd", "start": 1629.48, "end": 1629.8, "confidence": 0.91200817, "punctuated_word": "we'd", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "love", "start": 1629.8, "end": 1630.12, "confidence": 0.9987841, "punctuated_word": "love", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "getting", "start": 1630.12, "end": 1630.36, "confidence": 0.99745446, "punctuated_word": "getting", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "feedback", "start": 1630.36, "end": 1630.76, "confidence": 0.9997881, "punctuated_word": "feedback", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "on", "start": 1630.76, "end": 1630.84, "confidence": 0.99943346, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "the", "start": 1630.84, "end": 1631.0, "confidence": 0.9997254, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "issues", "start": 1631.0, "end": 1631.32, "confidence": 0.9993005, "punctuated_word": "issues", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "we", "start": 1631.32, "end": 1631.48, "confidence": 0.9991032, "punctuated_word": "we", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "talk", "start": 1631.48, "end": 1631.72, "confidence": 0.85795087, "punctuated_word": "talk", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "about", "start": 1631.72, "end": 1631.96, "confidence": 0.9998549, "punctuated_word": "about", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "on", "start": 1631.96, "end": 1632.04, "confidence": 0.999137, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "the", "start": 1632.04, "end": 1632.2, "confidence": 0.9994055, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "show", "start": 1632.2, "end": 1632.4401, "confidence": 0.9997008, "punctuated_word": "show", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "so", "start": 1632.4401, "end": 1632.68, "confidence": 0.9878148, "punctuated_word": "so", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "be", "start": 1632.68, "end": 1632.84, "confidence": 0.99916756, "punctuated_word": "be", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "sure", "start": 1632.84, "end": 1633.0, "confidence": 0.99988806, "punctuated_word": "sure", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "to", "start": 1633.0, "end": 1633.24, "confidence": 0.9996189, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "tweet", "start": 1633.24, "end": 1633.48, "confidence": 0.9969236, "punctuated_word": "tweet", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "any", "start": 1633.48, "end": 1633.72, "confidence": 0.9995009, "punctuated_word": "any", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "comments", "start": 1633.72, "end": 1634.12, "confidence": 0.9994312, "punctuated_word": "comments", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "to", "start": 1634.12, "end": 1634.28, "confidence": 0.9982237, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "us", "start": 1634.28, "end": 1634.78, "confidence": 0.9992778, "punctuated_word": "us", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "at", "start": 1635.16, "end": 1635.32, "confidence": 0.97504526, "punctuated_word": "at", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "sendem", "start": 1635.32, "end": 1635.82, "confidence": 0.6116359, "punctuated_word": "sendem", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "tech", "start": 1635.88, "end": 1636.36, "confidence": 0.73899245, "punctuated_word": "tech", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "or", "start": 1636.36, "end": 1636.6, "confidence": 0.99794596, "punctuated_word": "or", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "leave", "start": 1636.6, "end": 1636.92, "confidence": 0.9995455, "punctuated_word": "leave", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "a", "start": 1636.92, "end": 1637.0, "confidence": 0.99920744, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "comment", "start": 1637.0, "end": 1637.4, "confidence": 0.9999306, "punctuated_word": "comment", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "on", "start": 1637.4, "end": 1637.64, "confidence": 0.9981602, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "soundcloud", "start": 1637.64, "end": 1638.14, "confidence": 0.902275, "punctuated_word": "SoundCloud", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "google", "start": 1638.3625, "end": 1638.6825, "confidence": 0.9708681, "punctuated_word": "Google", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "play", "start": 1638.6825, "end": 1639.1625, "confidence": 0.9198341, "punctuated_word": "Play", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "or", "start": 1639.1625, "end": 1639.4025, "confidence": 0.99408275, "punctuated_word": "or", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "itunes", "start": 1639.4025, "end": 1639.9025, "confidence": 0.9919882, "punctuated_word": "iTunes", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "i'm", "start": 1640.4425, "end": 1640.6825, "confidence": 0.9696084, "punctuated_word": "I'm", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "brian", "start": 1640.6825, "end": 1640.9225, "confidence": 0.85441893, "punctuated_word": "Brian", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "wasilowski", "start": 1640.9225, "end": 1641.4225, "confidence": 0.5905917, "punctuated_word": "Wasilowski", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "thanks", "start": 1641.6425, "end": 1641.9625, "confidence": 0.9183564, "punctuated_word": "thanks", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "for", "start": 1641.9625, "end": 1642.1226, "confidence": 0.9996846, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "listening", "start": 1642.1226, "end": 1642.6226, "confidence": 0.9996159, "punctuated_word": "listening", "speaker": 2, "speaker_confidence": 0.9069252 } ], "summaries": null, "paragraphs": { "transcript": "\nSpeaker 0: Welcome to Tech Talk. Bye. CT.\n\nSpeaker 1: Tea.\n\nSpeaker 2: Welcome to CDT's Tech Talk, where we dish on tech and Internet policy while also explaining what these policies mean to our daily lives. I'm Brian Wasilowski, and it's time to talk tech. Today, we'll be talking about privacy and data. First we'll take a look at how states are filling the void when it comes to shaping pro privacy policies for internet users with the federal government failing to address privacy and in some cases eroding existing protections for consumers And then we'll shift our focus to a sector where data can improve our lives the financial sector We would all likely welcome some support in managing our finances But as fintech becomes more prevalent and new services pop up who ultimately has control of our financial data? Is it the banks, or is it us, the consumers?\n\nFor privacy advocates, twenty seventeen certainly has not been a banner year when it comes to federal privacy legislation to protect consumers and Internet users. There hasn't been much movement on pro privacy legislation. And when Congress and the administration have acted, it wasn't good, as we saw with the use of the Congressional Review Act to eliminate the broadband privacy protections from the FCC. But with privacy being eroded or ignored on the federal level, a number of states are stepping up to protect the privacy of their residents. CDT's data and privacy team has upped their state game accordingly.\n\nAnd two members of that talented team, Natasha Duarte and Vijay Kashau, join us today to share some of what is happening. Welcome to Tech Talk, Natasha and Vijay.\n\nSpeaker 3: Thanks, Brian.\n\nSpeaker 0: Happy to be here.\n\nSpeaker 2: And Vijay, first time guest. That's wonderful. Thank you. So I touched on it a bit, but tell me why states are really jumping into privacy, right now.\n\nSpeaker 3: So we sometimes, see privacy as a bipartisan issue and it can be. But, recently with consumer privacy, it hasn't been, so much of a bipartisan issue. We've seen a lot of, partisan, disagreement. And so there's been some gridlock on the federal level. And so we're also seeing that people actually really want privacy.\n\nWhat? I know. It's crazy. And so, states as they normally do, and there's an absence of action on the federal level, are stepping in, to try and give their residents privacy protections.\n\nSpeaker 2: Vijay, you had something to add to that?\n\nSpeaker 0: Yeah. So I'd say that, in in our experience with these state legislators, they're a little bit closer to the ground. And and as you mentioned, there's this strong popular sentiment in favor of privacy regulation right now. And because these senators, the state senators are generally more responsive to the needs of their constituents, they're actually taking action on it to fill in this void that you mentioned with the CRA.\n\nSpeaker 2: Yeah. No. There was some, really amazing headlines that came after, the broadband privacy rules were rolled back that I'm guessing a lot of, federal level folks did not really anticipate. So I'm not surprising perhaps that the state, state legislators are picking them up. But there's definitely pros and cons to this.\n\nRight? You know, acting on the state level. What are some of the pros? What are the cons on this?\n\nSpeaker 3: Yeah. So so one pro is that, states can sometimes sometimes act a little more, quickly. Things tend to happen more quickly, on the state level, and so they can respond more quickly to, what, their constituents are are telling them and and what, privacy protections are needed. Needed. And they can also, sometimes set, they can experiment a little more and and set a a higher standard for privacy, than we've had on the on the federal level and we haven't had, you know, really strong privacy rules on the federal level.\n\nEver. Yeah. And, some of the cons obviously, it is harder for everyone to have multiple different standards to comply with in in different states. That's probably the main con.\n\nSpeaker 0: Yeah. Yeah. That kind of patchwork of state legislation that resulted in the absence of federal legislation, I think is going to be quite the challenge of states kind of, which is a good thing. States are adopting this legislation to the unique problems their states face, the unique concerns of their citizens, etcetera. But the result is this kind of patchwork of different standards and things that companies have to meet, which is definitely going to be a challenge\n\nSpeaker 2: moving forward. That makes sense. Are there any states that are, like, super amazing on\n\nSpeaker 0: privacy? Illinois, in particular.\n\nSpeaker 2: Illinois. Needle\n\nSpeaker 0: quite a bit. Yeah.\n\nSpeaker 2: Alright. Cool. So let's talk about, a little more specifics on the type of work that you both have been doing, on the state level. There's been, you know, certain privacy issues. Issues.\n\nAnd as you mentioned, certain states doing different things. Broadband privacy, obviously, that's the first one you all touched on and I touched on in the intro. That's a big one. Any states stepping up there?\n\nSpeaker 3: Yeah. So, I was actually here on the podcast, several months ago talking about The\n\nSpeaker 2: best day of your life. Right? Yeah. Well, maybe not. But maybe your best day of your CDT life.\n\nSpeaker 3: It was, we were talking about the victory that was the the FCC Broadband Privacy Rules. The FCC gave consumers, pretty strong, very thoughtful, protections for their privacy when they are, using their broadband connection to, surf the web. And, unfortunately, a few months later, Congress used a little known tool called the, Congressional Review Act to reverse the rules. That sort of left a gap in protections, that states have been trying to step up and fill. And, a couple states that we've seen, with very thoughtful and and strong attempts at that, Washington is one, Massachusetts is another.\n\nBut really, we've seen, you know, dozens of states either have, a bill introduced or, have started a process of of drafting and trying to introduce a bill.\n\nSpeaker 2: Very cool. Definitely one that seems to be resonating then at the state level. Another one that y'all mentioned to me happening that people are acting on are are the Internet of things, you know, the kind of that term and and devices. What's what have you been doing in that space?\n\nSpeaker 0: Yeah. So California actually is taking the lead on this. They have a new bill that they've been working on and and revising in the past weeks called, the Teddy Baron Toaster Bill, which focuses on yeah. Focuses on Yeah, good name. Focuses on data collection, consent, and disclosure requirements for smart devices covering everything from teddy bears to toasters, as you might imagine.\n\nBut notably, it doesn't cover connected cars, which is an area where the federal government has had some leadership through the Department of Transportation, the FTC is stepping up regulation there, and we haven't seen the states really make a big push on this as of yet. So, they are, however, responsive to the IOT and security issues that we've been seeing. So it's not only a privacy issue, but a security one as well for the states. If you look at something like the Mirai botnet we saw a few months ago that shut down Netflix among other major companies on the East Coast for quite a while, these states, particularly California, is stepping up to institute some kind of data security measures, to stop these botnets from happening. Okay.\n\nSpeaker 3: Do\n\nSpeaker 2: do either of you know who Teddy Ruxpin is? I've heard\n\nSpeaker 0: the name.\n\nSpeaker 1: Oh, gosh. You're all\n\nSpeaker 2: so young. Anyway, connected devices. Teddy was so ahead of his time. That's right. That's right.\n\nSo, Vijay, you were also just in Springfield. What were you out there for? So you mentioned Illinois before, but what what are some of the things they're working on\n\nSpeaker 0: Right. Or you\n\nSpeaker 2: were out there for?\n\nSpeaker 0: Yeah. We've been working with a couple groups in Illinois to get a pair of bills passed. The first one that I went to Springfield, Illinois to testify on was a geolocation privacy bill. And this bill basically required notice and consent before apps could collect and use your precise geolocation information. So this isn't, you know, covering your address or something you might input into a web site, but rather when a map app or something like that wants to collect your information and use it for something that isn't a mapping purpose essentially.\n\nSo if they wanted to sell it or to, you know, show you ads based on your current location, then they would have to actually get your consent to do that. And we think this is a good consumer protection bill so you can actually know what is being done with your data.\n\nSpeaker 2: Cool.\n\nSpeaker 0: And so we went and testified on that. Other states are also doing this as well, not only Illinois. This one is pretty popular. We've seen attempts in Hawaii, Nevada, and, I think there's maybe one more that I'm blanking on right now. But this is starting to pop up more and more frequently as, you know, devices become more ubiquitous, I guess.\n\nOkay.\n\nSpeaker 2: Now if you were to look into the future and we assume that states will continue to act more on privacy, any other issues that you anticipate, you know, states stepping up on?\n\nSpeaker 3: So so one area, that's sort of, controversial right now is, expanding the protections we're seeing, states trying to to push through for broadband providers extended to what we call edge providers. So like the the Google's and other Internet services of the world, and that gets into more complicated territory. We definitely think that there should be, strong privacy legislation that applies to everyone on the federal level. But in the absence of that, I do think states are going to, come into this space. And I I guess another area would be, data security.\n\nAnd we're also seeing that come up in the in the broadband context. The FCC rules had a data security component that a lot of states are adopting. And that's also a place where, standards on the federal level, have been fairly flexible, which is not necessarily a bad thing, but it is an area where states can start to, experiment with with higher standards and more specific standards. Alright. Well, oh, Vijay,\n\nSpeaker 1: you have\n\nSpeaker 2: more to add, please. Yeah. I I think\n\nSpeaker 0: one other area that we're just seeing to pop up now, are these right to know bills. Right to know comes from the, actually, the, environmental context where you have a right to know what chemicals you're breathing in the air, if there's a, you know, major factory or plant or something near you. And this is extending to data now. We've seen Illinois say that consumers should have a right to know what third parties are being given your data and what's being done with it. I think this is gonna become more popular because it's actually gaining some real popular momentum in Illinois.\n\nSo hopefully we'll see other states or maybe even the federal government pass a law like this.\n\nSpeaker 2: Well, that sounds optimistic. But but way to go, Illinois. Alright. Well, thank you so much for the updates, Natasha and Vijay. Definitely keep it up.\n\nAnd as I joked before, if CDT, you know, starts to do more and more state stuff, we'll get you a Winnebago and send you on a 50 state tour.\n\nSpeaker 0: Looking forward\n\nSpeaker 1: to it.\n\nSpeaker 2: Thank you so much.\n\nSpeaker 3: Thank you. Thanks.\n\nSpeaker 2: Most Americans have a bank account, at least one credit card, perhaps more, and a loan or two for a car or that pricey college degree. These all come with interest rates and payment schedules and a lot of data about how much money we have and how we spend it. This is data that is often used to decide if we qualify for a new loan or receive financial aid for school. And this data is also potentially very valuable to businesses wanting to offer a range of services. InvestNet Yodlee is one such company that is leveraging this financial data to offer a variety of services in the fintech space.\n\nThey are facing a number of challenges though, when it comes to consumers' financial data, including questions around who has control and responsibility for that data. Steve Baums, the vice president of government affairs at Yodlee, joins us today to talk through some of these issues. Welcome, Steve. Hello. So first, tell us about Yodlee in general.\n\nSo for the folks who don't know Sure. And you also have this thing called screenless data capture. What the heck is that?\n\nSpeaker 1: Sure. So the best and easiest way to think about Yodlee is as the intermediary between fintech and the traditional banking sector. We're about twenty years old. So we're one of the first fintech companies out there. And the business case is when you, the consumer, a small business wants to use a fintech platform but wanna connect your bank, and the average American average American has about 15 different bank or payment accounts at seven\n\nSpeaker 2: different Wow. I'm below average, I think, now. So that's good.\n\nSpeaker 1: The idea is that we can connect those two. So screenless data capture is one way of connecting those two. That's where we, get the user's credentials, so username and password, and log in as them to capture the data and use it for the third party application. But only about 25% of our data comes from screenless data capture. The vast, vast, vast majority of our data comes from what we call direct feeds.\n\nSo Yodlee's differentiator in the market is we've negotiated bilateral deals with hundreds, maybe thousands of different data sources so that we have direct connections to those banks where we don't need the username and password to access the data. We have prenegotiated contractual agreements to get that data instead.\n\nSpeaker 2: And are those, stronger when it turn comes to privacy and security if it you have those agreements?\n\nSpeaker 1: Privacy and security is always of paramount importance, right, for all the players in this ecosystem. So it's regardless of how we get the data, those are absolutely fundamental. We are regulated and supervised by the OCC. We're examined, because we're a third party vendor to so many large financial institutions, and we have a really, really, really strong, risk and, security governance program.\n\nSpeaker 2: Sure. That makes sense. So Yodlee has been in the market for twenty years, and that surprised me. That's, when you think about data and all that sort of stuff, I I guess, you know, maybe it dates me. But I because I didn't even realize that was possible for twenty years.\n\nBut in fact, it has been. What have you seen change over, like, the course of the time that you've all been in business? Not that you've been with them the entire twenty years. Or you look far too young, but, Thank\n\nSpeaker 1: you so much. Well, so quite a bit. Right? As you can imagine, over twenty years, there's been this explosion within the financial technology sector. So what's changed is the immense number of offerings of products and services from technology companies in the financial world.\n\nAs that's happened, we've also seen the, tenor and tone of the banks change as it relates to allowing their consumers to share this data.\n\nSpeaker 2: Okay.\n\nSpeaker 1: Part of it is from a security perspective to the point I think you alluded to earlier. Right? There are legitimate security concerns that banks have, both data and cybersecurity, about allowing these third party tools to leverage consumers' data to provide benefits to them. But part of it, frankly, is just competition. Right?\n\nSo in many cases, fintech firms are competing directly against traditional banks to offer the same types of products and services that banks historically have provided for centuries.\n\nSpeaker 2: And so some of these products and services just for people? Everything. Right?\n\nSpeaker 1: So it it ranges from personal financial management tools. So, you know, you go along, you see a dashboard of all 15 of your accounts in one place. Your entire financial life is there. To, credit and lending products. Right?\n\nThink about your marketplace lenders or, our firms like Kabbage for small businesses and getting credit for them. To there are even applications now that can help you, mediate your way through a divorce. So if you can aggregate all of your finances in one place, you can all see it in one place, and then you can decide how to divide up. There are literally thousands and thousands and thousands of applications. The beauty is it's up to the consumer to decide which they want to use, and their data only comes in once they've said, yep.\n\nI'm gonna log on to, let's say, Personal Capital or Betterment. I wanna use this tool, and only then will the connection to their financial accounts be made once they input the information.\n\nSpeaker 2: Okay. Yeah. I know. As you're talking through that, I'm like, gosh. I really need to get my finances in order.\n\nAnd it\n\nSpeaker 1: would be great to talk after\n\nSpeaker 2: one one platform that would help me out. So I'll I'll ask you for advice on that later. So all this data, I mean, obviously, financial data is some of your more personal data. Certainly, if there's any sort of breach of that data, it could be catastrophic for folks. Who's liable in this case?\n\nIs it the banks? Is it is it Yodlee? Is it, you know, the other, you know, company in the mix that's trying to offer a service? How does that work?\n\nSpeaker 1: It's a really complicated question. Right? So let me start by saying a few things. As far as Yodlee is concerned, we don't have or collect personally identifiable information when we're connecting the fintech player to the bank. Okay.\n\nSo what we have is an anonymized number. Right? So they don't know that it's Steve Balmes who's connecting his Capital One account. They know that user 1YZ four five is connecting a Capital One account to use personal capital. But even if that wasn't the case and there's a breach, for Yodlee, there's a few different things that mandate who's liable.\n\nThe first is where did the breach actually happen? Right? If if it happened at Yodlee Sure. That's one scenario. If it happened at the bank, that's another scenario.\n\nIf it happened to third party, personal capital, that's a third scenario. But because we're a little bit different, right, I went going back to the idea that three quarters of our data comes through direct fees and contractual relationships with with banks, each of those contracts stipulates the liabilities.\n\nSpeaker 2: Okay.\n\nSpeaker 1: So it's a little bit different for Yieldy than the rest of the players. The differential for us is that we have those relationships with banks. The majority of other players in the system, or at least most of the other players in the system, go through screenless data capture. So it's less collaborative with the banks, and it's more you give us your username and password. We will log in as you to your account.\n\nWe will capture it, and we will spit it out. It's not less safe. It's a different form of doing it. But because we have the contractual arrangements, the liability provisions are clearly spelled out in each scenario.\n\nSpeaker 2: Okay. So before we start recording, we're talking a bit about travel, and you were saying that you are a road warrior when it comes to work and do business in The US, EU, and I believe other places. But let's focus on the The US and The EU. What's kind of the difference in how you have to operate in the two different, two different places? Because they obviously have very different, rules, regulations, policies around privacy.\n\nSpeaker 1: Yeah. So this this is a fascinating area. Right? And it was one that was really eye opening for me having come from the traditional bank world and done a little bit of work in the EU to now being really, really deeply involved in what's happening there. Generally speaking, we in The US are years behind the EU, in terms of thinking about data and privacy and how consumers can use their data to their advantage.\n\nIn the EU, there are two, regulations that I would point out as really important. One is the second payment services directive, PSD two, which the European Banking Authority just finalized some of the standards a few weeks ago. And in the next couple of years, we'll go into full effect. The idea here is consumers own their own data. It's not the banks to decide what to do with.\n\nIt's the consumers to decide what to do with. And it goes through a really, really descriptive and, prescriptive mandate into how banks must make the data available and what the roles and responsibilities in ecosystem are, you know, going back to your question about liability and how the data is collected, all of these things. But at the core is technology is a really important way that consumers can improve their finances, and banks should not stand in the way of allowing consumers to do that. The second I would say is GDPR, which is the data security European requirement, which is also gonna go into effect the next year and a half, year or so. And that's kind of the other side of the coin of PST two.\n\nIt's this idea that in a really tech focused world where consumers are permissioning and using their data for any host of things, not just in the financial world, everywhere, there have to be some baseline understandings about data security, data privacy, consent, disclosure, and, letting consumers turn on and off the ability to use the data so that the flow they have control of the flow. It's not somebody doing it for them.\n\nSpeaker 2: Yeah.\n\nSpeaker 1: So those two things intertwined, create a really important fabric for how this environment should work, the fintech environment should work in the EU. And then you have other countries in the EU, well, I I suppose The UK is one foot in, one foot out, that even gone a step further and said, not only will we take these and implement them, we're gonna go a step further and have something called open banking, where we will create a standardized API by which all of this data has to be made available so the consumer can not only permission their data, but there's a standardized way that these fintech firms can get the data so that we are getting rid of all the drag in the system, and it's frictionless for the consumer. Contrast that to The US, right, where we have a really fragmented regulatory system that came about after two and a half centuries of securities laws and bank laws and technology laws and privacy laws. We also have 6,000 financial institutions in this country as opposed to a few dozen in Europe. It's really hard to get consensus here.\n\nAnd the regulators in The US and congress are really wrestling with what is our role here in the first place. And even if we have a role, we have to, I I, recognize that it's just a sliver of the entire ecosystem, which means it's kind of been a free for all. Right? The the market itself has been dictating the terms here. What we're seeing now is increasingly, financial institutions are recognizing fintech as competition, and they have the right here to say what data they will and will not share.\n\nContrast it to the EU where they don't have that right, it means that it's a much more friction full\n\nSpeaker 2: Sure.\n\nSpeaker 1: Experience Yeah. For the consumer here, which is why Yodlee and 20 or so other, fintech companies, we call ourselves the, Consumer Financial Data Rights Coalition, are really evangelical about this idea that it's not the bank's data to decide whether to share or not. It's the consumers. And in an environment like in Europe, like in The UK, where consumers have the right to share their data to these technology tools, they can really take advantage of important, important, important, tools that can help them improve their financial well-being. So that was a really long answer to a really\n\nSpeaker 2: short question. That was really helpful. Do you think The US is is getting there? Do you think that there is, you know, potential for that to be the case? Because, obviously, the the talking point of, you know, it's the consumer's data, it's not the bank's data.\n\nIt's probably gonna resonate with a lot of folks. But then you'll also get some people saying, well, even when a consumer has control of their data with stuff like financial data, it's hard to really take control of that just because you don't know what's out there. It's in different places. So you don't wanna lose control. So even though they may make some choices, it's easy to lose control if you put it out there too much.\n\nSo how does The US get to kind of the vision where the consumer has true control is making those informed decisions and taking advantage of all this great fintech?\n\nSpeaker 1: So I think the the great news is that the regulators here in Congress have started a long process to figure this out. I can't tell you how much time it's it's gonna take or what\n\nSpeaker 2: it looks like when\n\nSpeaker 1: it's done. What? But they've started. And a few important developments really just in the past few months. Right?\n\nSo the CFPB put out its request for information in November on, data access, which is really this idea of how consumers can get their data and what they can do with it in a financial sense once they have it. Then they put out a request for information on alternative uses of data, particularly in credit. So this idea that there's a real benefit to consumers in underwriting, underwriting, if they can take their transactional information and leverage it as another tool beyond just a credit score to get better pricing on credit products. The OCC, of course, has its proposed fintech charter, which is trying to bring into, preempted federal state supervision of, fintech, firms that are involved in bank type services. The FDIC, the OCC, and the Fed came out with a cybersecurity ANPR, late last year, early this year, which is really on cybersecurity, but has a whole section on what they call external dependencies, which is really fintech.\n\nSo they're starting. And in the Hill, we've seen the innovation initiatives from, congressman McHenry and congressman McCarthy, which is all about trying to really grow the innovation that's happening in fintech and make it more available, both from a how do you finance it at the front end to how do you use APIs to to exponentially grow it. So they're starting. How this all ends up, of course, is still very much unknown. It will take years at this pace to get to, you know, any type of finality.\n\nAnd even then, as I said earlier, you've got 6,000 financial institutions in The US. You've got thousands and thousands of fintech players, aggregators like Yodlee who sit in the middle. It's not clear to us that you will get any cut and dry rules like we have in the EU, like PSTT or GDPR. But instead, what we think is if you just get to a place where it can be asserted that the consumer has the absolute right to share their data, the market can figure the rest of it out. Right?\n\nWe've been doing this for twenty years. In the absence of all of that regulation\n\nSpeaker 2: Right.\n\nSpeaker 1: We can keep doing it. The only difference here is we need to make sure that the consumer's rights to their data are unfettered. That's great.\n\nSpeaker 2: So last question I'll ask here. Just and you alluded to or you talked touched on this a little bit earlier. What are some of the coolest trends that you're seeing in fintech? Things that might get, you know, consumers really excited about the the future of this beyond just the policy world?\n\nSpeaker 1: Yeah. Yeah. That's a great question. Right? So there's there's quite a few.\n\nI think the the most exciting really from where I sit are what I think of as, like, financial wellness applications. So tools that, can smooth income for seasonal workers or for low income workers who don't have a dependable paycheck. But if you have a year or two years of transaction data that shows, direct deposit into your account rather than have to figure out, do you pay the phone bill this month or the electricity bill or the rent or, you know, your kid's, tuition? They will say, we'll give you a dependable amount every two months or every month in your paycheck. It will equal over a year to what you will take home anyway, but it's smooth.\n\nSo you will not have to make those choices every year. So there's a host of applications like that, fixed income optimization tools. Right? I alluded to the divorce reconciliation tool. It's it's limitless, really, when you think about it.\n\nIt's and the the beauty of it is it's all dependent on a really, generally, simple transaction data that you have at your fingertips now. And, theoretically, you could have just printed out, right, and done with it, you know, in an Excel spreadsheet, kind of all this stuff on your own. But the ability to put it in categorized form, in dashboards, and to dice it and slice it and apply analytics to it empowers all of these tools to help you make sense of your finances.\n\nSpeaker 2: That's great. Yeah. No. I am I'm no Excel expert. So, you know, that that Excel solution is never a good one.\n\nAnything that makes it easier is better.\n\nSpeaker 1: I think the data that we have shows that before fintech, only about 2% of people actually had budgeting tools that they could track all their finances across all of the accounts that they had. So there's a huge, huge, huge benefit to this. Absolutely.\n\nSpeaker 2: Well, there are definitely a lot of potential benefits and some risks out there. So, hopefully, all sectors come together, figure this out. Steve, thank you so much for sharing your insights and being on Tech Talk.\n\nSpeaker 1: Thanks for having me.\n\nSpeaker 2: That's it for this episode of Tech Talk. If you'd like to find out more about CDC's work on data and privacy across sectors, be sure to visit cdt.org and we'd love getting feedback on the issues we talk about on the show so be sure to tweet any comments to us at sendem tech or leave a comment on SoundCloud Google Play or iTunes I'm Brian Wasilowski thanks for listening", "paragraphs": [ { "sentences": [ { "text": "Welcome to Tech Talk.", "start": 10.48, "end": 12.099999 }, { "text": "Bye.", "start": 12.16, "end": 12.66 }, { "text": "CT.", "start": 13.04, "end": 13.54 } ], "start": 10.48, "end": 13.54, "num_words": 6.0, "speaker": 0 }, { "sentences": [ { "text": "Tea.", "start": 13.759999, "end": 14.259999 } ], "start": 13.759999, "end": 14.259999, "num_words": 1.0, "speaker": 1 }, { "sentences": [ { "text": "Welcome to CDT's Tech Talk, where we dish on tech and Internet policy while also explaining what these policies mean to our daily lives.", "start": 16.475, "end": 24.095 }, { "text": "I'm Brian Wasilowski, and it's time to talk tech.", "start": 24.314999, "end": 27.455 }, { "text": "Today, we'll be talking about privacy and data.", "start": 27.915, "end": 30.575 }, { "text": "First we'll take a look at how states are filling the void when it comes to shaping pro privacy policies for internet users with the federal government failing to address privacy and in some cases eroding existing protections for consumers And then we'll shift our focus to a sector where data can improve our lives the financial sector We would all likely welcome some support in managing our finances But as fintech becomes more prevalent and new services pop up who ultimately has control of our financial data?", "start": 30.98, "end": 60.399998 }, { "text": "Is it the banks, or is it us, the consumers?", "start": 60.539997, "end": 63.199997 } ], "start": 16.475, "end": 63.199997, "num_words": 139.0, "speaker": 2 }, { "sentences": [ { "text": "For privacy advocates, twenty seventeen certainly has not been a banner year when it comes to federal privacy legislation to protect consumers and Internet users.", "start": 68.54, "end": 77.405 }, { "text": "There hasn't been much movement on pro privacy legislation.", "start": 77.785, "end": 80.605 }, { "text": "And when Congress and the administration have acted, it wasn't good, as we saw with the use of the Congressional Review Act to eliminate the broadband privacy protections from the FCC.", "start": 80.905, "end": 90.329994 }, { "text": "But with privacy being eroded or ignored on the federal level, a number of states are stepping up to protect the privacy of their residents.", "start": 91.27, "end": 98.25 }, { "text": "CDT's data and privacy team has upped their state game accordingly.", "start": 98.78999, "end": 102.705 } ], "start": 68.54, "end": 102.705, "num_words": 101.0, "speaker": 2 }, { "sentences": [ { "text": "And two members of that talented team, Natasha Duarte and Vijay Kashau, join us today to share some of what is happening.", "start": 102.845, "end": 110.305 }, { "text": "Welcome to Tech Talk, Natasha and Vijay.", "start": 110.604996, "end": 112.705 } ], "start": 102.845, "end": 112.705, "num_words": 29.0, "speaker": 2 }, { "sentences": [ { "text": "Thanks, Brian.", "start": 112.845, "end": 113.485 } ], "start": 112.845, "end": 113.485, "num_words": 2.0, "speaker": 3 }, { "sentences": [ { "text": "Happy to be here.", "start": 113.485, "end": 114.21 } ], "start": 113.485, "end": 114.21, "num_words": 4.0, "speaker": 0 }, { "sentences": [ { "text": "And Vijay, first time guest.", "start": 114.61, "end": 116.049995 }, { "text": "That's wonderful.", "start": 116.049995, "end": 116.79 }, { "text": "Thank you.", "start": 116.85, "end": 117.67 }, { "text": "So I touched on it a bit, but tell me why states are really jumping into privacy, right now.", "start": 117.97, "end": 125.27 } ], "start": 114.61, "end": 125.27, "num_words": 28.0, "speaker": 2 }, { "sentences": [ { "text": "So we sometimes, see privacy as a bipartisan issue and it can be.", "start": 127.09, "end": 132.635 }, { "text": "But, recently with consumer privacy, it hasn't been, so much of a bipartisan issue.", "start": 132.635, "end": 138.315 }, { "text": "We've seen a lot of, partisan, disagreement.", "start": 138.315, "end": 142.415 }, { "text": "And so there's been some gridlock on the federal level.", "start": 142.555, "end": 145.19 }, { "text": "And so we're also seeing that people actually really want privacy.", "start": 146.20999, "end": 151.43 } ], "start": 127.09, "end": 151.43, "num_words": 55.0, "speaker": 3 }, { "sentences": [ { "text": "What?", "start": 152.04999, "end": 152.54999 }, { "text": "I know.", "start": 154.37, "end": 154.84999 }, { "text": "It's crazy.", "start": 154.84999, "end": 155.51 }, { "text": "And so, states as they normally do, and there's an absence of action on the federal level, are stepping in, to try and give their residents privacy protections.", "start": 156.53, "end": 166.375 } ], "start": 152.04999, "end": 166.375, "num_words": 33.0, "speaker": 3 }, { "sentences": [ { "text": "Vijay, you had something to add to that?", "start": 167.715, "end": 169.395 } ], "start": 167.715, "end": 169.395, "num_words": 8.0, "speaker": 2 }, { "sentences": [ { "text": "Yeah.", "start": 169.395, "end": 169.55501 }, { "text": "So I'd say that, in in our experience with these state legislators, they're a little bit closer to the ground.", "start": 169.55501, "end": 174.93779 }, { "text": "And and as you mentioned, there's this strong popular sentiment in favor of privacy regulation right now.", "start": 174.93779, "end": 178.96385 }, { "text": "And because these senators, the state senators are generally more responsive to the needs of their constituents, they're actually taking action on it to fill in this void that you mentioned with the CRA.", "start": 178.96385, "end": 187.135 } ], "start": 169.395, "end": 187.135, "num_words": 72.0, "speaker": 0 }, { "sentences": [ { "text": "Yeah.", "start": 187.435, "end": 187.675 }, { "text": "No.", "start": 187.675, "end": 187.91501 }, { "text": "There was some, really amazing headlines that came after, the broadband privacy rules were rolled back that I'm guessing a lot of, federal level folks did not really anticipate.", "start": 187.91501, "end": 198.575 }, { "text": "So I'm not surprising perhaps that the state, state legislators are picking them up.", "start": 198.635, "end": 203.62 }, { "text": "But there's definitely pros and cons to this.", "start": 203.62, "end": 205.38 } ], "start": 187.435, "end": 205.38, "num_words": 53.0, "speaker": 2 }, { "sentences": [ { "text": "Right?", "start": 205.38, "end": 205.62 }, { "text": "You know, acting on the state level.", "start": 205.62, "end": 207.45999 }, { "text": "What are some of the pros?", "start": 207.45999, "end": 208.58 }, { "text": "What are the cons on this?", "start": 208.58, "end": 209.95999 } ], "start": 205.38, "end": 209.95999, "num_words": 20.0, "speaker": 2 }, { "sentences": [ { "text": "Yeah.", "start": 211.14, "end": 211.45999 }, { "text": "So so one pro is that, states can sometimes sometimes act a little more, quickly.", "start": 211.45999, "end": 217.425 }, { "text": "Things tend to happen more quickly, on the state level, and so they can respond more quickly to, what, their constituents are are telling them and and what, privacy protections are needed.", "start": 217.425, "end": 229.77 }, { "text": "Needed.", "start": 230.81, "end": 231.17 }, { "text": "And they can also, sometimes set, they can experiment a little more and and set a a higher standard for privacy, than we've had on the on the federal level and we haven't had, you know, really strong privacy rules on the federal level.", "start": 231.53, "end": 245.275 } ], "start": 211.14, "end": 245.275, "num_words": 93.0, "speaker": 3 }, { "sentences": [ { "text": "Ever.", "start": 248.135, "end": 248.375 }, { "text": "Yeah.", "start": 248.375, "end": 248.875 }, { "text": "And, some of the cons obviously, it is harder for everyone to have multiple different standards to comply with in in different states.", "start": 250.215, "end": 259.65 }, { "text": "That's probably the main con.", "start": 260.66998, "end": 262.21 } ], "start": 248.135, "end": 262.21, "num_words": 30.0, "speaker": 3 }, { "sentences": [ { "text": "Yeah.", "start": 262.59, "end": 262.91 }, { "text": "Yeah.", "start": 262.91, "end": 263.15 }, { "text": "That kind of patchwork of state legislation that resulted in the absence of federal legislation, I think is going to be quite the challenge of states kind of, which is a good thing.", "start": 263.15, "end": 272.11227 }, { "text": "States are adopting this legislation to the unique problems their states face, the unique concerns of their citizens, etcetera.", "start": 272.11227, "end": 276.89865 }, { "text": "But the result is this kind of patchwork of different standards and things that companies have to meet, which is definitely going to be a challenge", "start": 276.89865, "end": 283.1209 } ], "start": 262.59, "end": 283.1209, "num_words": 80.0, "speaker": 0 }, { "sentences": [ { "text": "moving forward.", "start": 283.1209, "end": 283.59955 }, { "text": "That makes sense.", "start": 283.59955, "end": 284.3175 }, { "text": "Are there any states that are, like, super amazing on", "start": 284.3175, "end": 286.7107 } ], "start": 283.1209, "end": 286.7107, "num_words": 15.0, "speaker": 2 }, { "sentences": [ { "text": "privacy?", "start": 286.7107, "end": 286.95 }, { "text": "Illinois, in particular.", "start": 287.11002, "end": 288.09003 } ], "start": 286.7107, "end": 288.09003, "num_words": 4.0, "speaker": 0 }, { "sentences": [ { "text": "Illinois.", "start": 288.15002, "end": 288.47003 }, { "text": "Needle", "start": 288.79, "end": 289.27002 } ], "start": 288.15002, "end": 289.27002, "num_words": 2.0, "speaker": 2 }, { "sentences": [ { "text": "quite a bit.", "start": 289.27002, "end": 289.83002 }, { "text": "Yeah.", "start": 289.83002, "end": 290.15002 } ], "start": 289.27002, "end": 290.15002, "num_words": 4.0, "speaker": 0 }, { "sentences": [ { "text": "Alright.", "start": 290.15002, "end": 290.39 }, { "text": "Cool.", "start": 290.39, "end": 290.89 }, { "text": "So let's talk about, a little more specifics on the type of work that you both have been doing, on the state level.", "start": 290.95, "end": 297.43002 }, { "text": "There's been, you know, certain privacy issues.", "start": 297.43002, "end": 299.265 }, { "text": "Issues.", "start": 299.265, "end": 299.725 } ], "start": 290.15002, "end": 299.725, "num_words": 33.0, "speaker": 2 }, { "sentences": [ { "text": "And as you mentioned, certain states doing different things.", "start": 299.725, "end": 302.849 }, { "text": "Broadband privacy, obviously, that's the first one you all touched on and I touched on in the intro.", "start": 302.849, "end": 306.545 }, { "text": "That's a big one.", "start": 306.545, "end": 307.265 }, { "text": "Any states stepping up there?", "start": 307.265, "end": 308.885 } ], "start": 299.725, "end": 308.885, "num_words": 36.0, "speaker": 2 }, { "sentences": [ { "text": "Yeah.", "start": 309.74503, "end": 310.14502 }, { "text": "So, I was actually here on the podcast, several months ago talking about The", "start": 310.14502, "end": 317.66 } ], "start": 309.74503, "end": 317.66, "num_words": 15.0, "speaker": 3 }, { "sentences": [ { "text": "best day of your life.", "start": 317.66, "end": 318.86 }, { "text": "Right?", "start": 318.86, "end": 319.34 }, { "text": "Yeah.", "start": 319.34, "end": 319.66 }, { "text": "Well, maybe not.", "start": 319.66, "end": 320.38 }, { "text": "But maybe your best day of your CDT life.", "start": 320.38, "end": 322.4 } ], "start": 317.66, "end": 322.4, "num_words": 19.0, "speaker": 2 }, { "sentences": [ { "text": "It was, we were talking about the victory that was the the FCC Broadband Privacy Rules.", "start": 323.02, "end": 328.925 }, { "text": "The FCC gave consumers, pretty strong, very thoughtful, protections for their privacy when they are, using their broadband connection to, surf the web.", "start": 329.245, "end": 340.79 }, { "text": "And, unfortunately, a few months later, Congress used a little known tool called the, Congressional Review Act to reverse the rules.", "start": 341.33, "end": 357.065 }, { "text": "That sort of left a gap in protections, that states have been trying to step up and fill.", "start": 357.685, "end": 363.785 }, { "text": "And, a couple states that we've seen, with very thoughtful and and strong attempts at that, Washington is one, Massachusetts is another.", "start": 364.165, "end": 373.62003 } ], "start": 323.02, "end": 373.62003, "num_words": 100.0, "speaker": 3 }, { "sentences": [ { "text": "But really, we've seen, you know, dozens of states either have, a bill introduced or, have started a process of of drafting and trying to introduce a bill.", "start": 373.62003, "end": 385.375 } ], "start": 373.62003, "end": 385.375, "num_words": 28.0, "speaker": 3 }, { "sentences": [ { "text": "Very cool.", "start": 385.595, "end": 386.155 }, { "text": "Definitely one that seems to be resonating then at the state level.", "start": 386.155, "end": 389.055 }, { "text": "Another one that y'all mentioned to me happening that people are acting on are are the Internet of things, you know, the kind of that term and and devices.", "start": 389.435, "end": 396.15 }, { "text": "What's what have you been doing in that space?", "start": 396.37, "end": 398.62997 } ], "start": 385.595, "end": 398.62997, "num_words": 52.0, "speaker": 2 }, { "sentences": [ { "text": "Yeah.", "start": 399.25, "end": 399.49 }, { "text": "So California actually is taking the lead on this.", "start": 399.49, "end": 401.81 }, { "text": "They have a new bill that they've been working on and and revising in the past weeks called, the Teddy Baron Toaster Bill, which focuses on yeah.", "start": 401.81, "end": 406.96 }, { "text": "Focuses on Yeah, good name.", "start": 408.315, "end": 410.415 }, { "text": "Focuses on data collection, consent, and disclosure requirements for smart devices covering everything from teddy bears to toasters, as you might imagine.", "start": 410.635, "end": 417.695 } ], "start": 399.25, "end": 417.695, "num_words": 64.0, "speaker": 0 }, { "sentences": [ { "text": "But notably, it doesn't cover connected cars, which is an area where the federal government has had some leadership through the Department of Transportation, the FTC is stepping up regulation there, and we haven't seen the states really make a big push on this as of yet.", "start": 418.155, "end": 431.56998 }, { "text": "So, they are, however, responsive to the IOT and security issues that we've been seeing.", "start": 431.56998, "end": 436.53 }, { "text": "So it's not only a privacy issue, but a security one as well for the states.", "start": 436.53, "end": 440.115 }, { "text": "If you look at something like the Mirai botnet we saw a few months ago that shut down Netflix among other major companies on the East Coast for quite a while, these states, particularly California, is stepping up to institute some kind of data security measures, to stop these botnets from happening.", "start": 440.435, "end": 456.97235 }, { "text": "Okay.", "start": 456.97235, "end": 457.2797 } ], "start": 418.155, "end": 457.2797, "num_words": 131.0, "speaker": 0 }, { "sentences": [ { "text": "Do", "start": 457.2797, "end": 457.58707 } ], "start": 457.2797, "end": 457.58707, "num_words": 1.0, "speaker": 3 }, { "sentences": [ { "text": "do either of you know who Teddy Ruxpin is?", "start": 457.58707, "end": 460.35324 }, { "text": "I've heard", "start": 460.35324, "end": 460.96793 } ], "start": 457.58707, "end": 460.96793, "num_words": 11.0, "speaker": 2 }, { "sentences": [ { "text": "the name.", "start": 460.96793, "end": 461.58264 } ], "start": 460.96793, "end": 461.58264, "num_words": 2.0, "speaker": 0 }, { "sentences": [ { "text": "Oh, gosh.", "start": 461.58264, "end": 462.19736 }, { "text": "You're all", "start": 462.19736, "end": 462.81204 } ], "start": 461.58264, "end": 462.81204, "num_words": 4.0, "speaker": 1 }, { "sentences": [ { "text": "so young.", "start": 462.81204, "end": 463.42676 }, { "text": "Anyway, connected devices.", "start": 463.42676, "end": 464.34882 }, { "text": "Teddy was so ahead of his time.", "start": 464.34882, "end": 466.50027 }, { "text": "That's right.", "start": 466.50027, "end": 467.115 }, { "text": "That's right.", "start": 467.115, "end": 467.59497 } ], "start": 462.81204, "end": 467.59497, "num_words": 16.0, "speaker": 2 }, { "sentences": [ { "text": "So, Vijay, you were also just in Springfield.", "start": 467.675, "end": 470.175 }, { "text": "What were you out there for?", "start": 471.035, "end": 472.155 }, { "text": "So you mentioned Illinois before, but what what are some of the things they're working on", "start": 472.155, "end": 475.675 } ], "start": 467.675, "end": 475.675, "num_words": 30.0, "speaker": 2 }, { "sentences": [ { "text": "Right.", "start": 475.755, "end": 475.79498 }, { "text": "Or you", "start": 475.835, "end": 476.155 } ], "start": 475.755, "end": 476.155, "num_words": 3.0, "speaker": 0 }, { "sentences": [ { "text": "were out there for?", "start": 476.155, "end": 476.79498 } ], "start": 476.155, "end": 476.79498, "num_words": 4.0, "speaker": 2 }, { "sentences": [ { "text": "Yeah.", "start": 476.79498, "end": 476.955 }, { "text": "We've been working with a couple groups in Illinois to get a pair of bills passed.", "start": 476.955, "end": 480.63498 }, { "text": "The first one that I went to Springfield, Illinois to testify on was a geolocation privacy bill.", "start": 480.79498, "end": 486.62 }, { "text": "And this bill basically required notice and consent before apps could collect and use your precise geolocation information.", "start": 487.16, "end": 493.97998 }, { "text": "So this isn't, you know, covering your address or something you might input into a web site, but rather when a map app or something like that wants to collect your information and use it for something that isn't a mapping purpose essentially.", "start": 494.52, "end": 506.255 } ], "start": 476.79498, "end": 506.255, "num_words": 95.0, "speaker": 0 }, { "sentences": [ { "text": "So if they wanted to sell it or to, you know, show you ads based on your current location, then they would have to actually get your consent to do that.", "start": 506.255, "end": 514.11 }, { "text": "And we think this is a good consumer protection bill so you can actually know what is being done with your data.", "start": 514.26996, "end": 519.14996 } ], "start": 506.255, "end": 519.14996, "num_words": 53.0, "speaker": 0 }, { "sentences": [ { "text": "Cool.", "start": 519.14996, "end": 519.64996 } ], "start": 519.14996, "end": 519.64996, "num_words": 1.0, "speaker": 2 }, { "sentences": [ { "text": "And so we went and testified on that.", "start": 520.02997, "end": 521.87 }, { "text": "Other states are also doing this as well, not only Illinois.", "start": 521.87, "end": 524.11 }, { "text": "This one is pretty popular.", "start": 524.11, "end": 524.99 }, { "text": "We've seen attempts in Hawaii, Nevada, and, I think there's maybe one more that I'm blanking on right now.", "start": 524.99, "end": 531.88495 }, { "text": "But this is starting to pop up more and more frequently as, you know, devices become more ubiquitous, I guess.", "start": 531.88495, "end": 537.745 } ], "start": 520.02997, "end": 537.745, "num_words": 63.0, "speaker": 0 }, { "sentences": [ { "text": "Okay.", "start": 538.125, "end": 538.52496 } ], "start": 538.125, "end": 538.52496, "num_words": 1.0, "speaker": 0 }, { "sentences": [ { "text": "Now if you were to look into the future and we assume that states will continue to act more on privacy, any other issues that you anticipate, you know, states stepping up on?", "start": 539.245, "end": 548.6 } ], "start": 539.245, "end": 548.6, "num_words": 33.0, "speaker": 2 }, { "sentences": [ { "text": "So so one area, that's sort of, controversial right now is, expanding the protections we're seeing, states trying to to push through for broadband providers extended to what we call edge providers.", "start": 550.98, "end": 567.855 }, { "text": "So like the the Google's and other Internet services of the world, and that gets into more complicated territory.", "start": 567.855, "end": 577.54004 }, { "text": "We definitely think that there should be, strong privacy legislation that applies to everyone on the federal level.", "start": 577.92, "end": 584.58 }, { "text": "But in the absence of that, I do think states are going to, come into this space.", "start": 585.40497, "end": 591.565 }, { "text": "And I I guess another area would be, data security.", "start": 591.565, "end": 595.665 } ], "start": 550.98, "end": 595.665, "num_words": 96.0, "speaker": 3 }, { "sentences": [ { "text": "And we're also seeing that come up in the in the broadband context.", "start": 596.365, "end": 599.19 }, { "text": "The FCC rules had a data security component that a lot of states are adopting.", "start": 599.25, "end": 602.95 }, { "text": "And that's also a place where, standards on the federal level, have been fairly flexible, which is not necessarily a bad thing, but it is an area where states can start to, experiment with with higher standards and more specific standards.", "start": 603.89, "end": 618.072 }, { "text": "Alright.", "start": 618.072, "end": 618.351 }, { "text": "Well, oh, Vijay,", "start": 618.351, "end": 619.188 } ], "start": 596.365, "end": 619.188, "num_words": 73.0, "speaker": 3 }, { "sentences": [ { "text": "you have", "start": 619.188, "end": 619.74603 } ], "start": 619.188, "end": 619.74603, "num_words": 2.0, "speaker": 1 }, { "sentences": [ { "text": "more to add, please.", "start": 619.74603, "end": 620.862 }, { "text": "Yeah.", "start": 620.862, "end": 621.141 }, { "text": "I I think", "start": 621.141, "end": 621.978 } ], "start": 619.74603, "end": 621.978, "num_words": 8.0, "speaker": 2 }, { "sentences": [ { "text": "one other area that we're just seeing to pop up now, are these right to know bills.", "start": 621.978, "end": 627.0 }, { "text": "Right to know comes from the, actually, the, environmental context where you have a right to know what chemicals you're breathing in the air, if there's a, you know, major factory or plant or something near you.", "start": 627.16, "end": 637.72 }, { "text": "And this is extending to data now.", "start": 637.72, "end": 639.72 }, { "text": "We've seen Illinois say that consumers should have a right to know what third parties are being given your data and what's being done with it.", "start": 639.96, "end": 646.57495 }, { "text": "I think this is gonna become more popular because it's actually gaining some real popular momentum in Illinois.", "start": 646.735, "end": 651.13495 } ], "start": 621.978, "end": 651.13495, "num_words": 105.0, "speaker": 0 }, { "sentences": [ { "text": "So hopefully we'll see other states or maybe even the federal government pass a law like this.", "start": 651.13495, "end": 655.56 } ], "start": 651.13495, "end": 655.56, "num_words": 17.0, "speaker": 0 }, { "sentences": [ { "text": "Well, that sounds optimistic.", "start": 655.8, "end": 657.02 }, { "text": "But but way to go, Illinois.", "start": 658.27997, "end": 659.9 }, { "text": "Alright.", "start": 659.96, "end": 660.2 }, { "text": "Well, thank you so much for the updates, Natasha and Vijay.", "start": 660.2, "end": 662.77997 }, { "text": "Definitely keep it up.", "start": 663.24, "end": 664.44 } ], "start": 655.8, "end": 664.44, "num_words": 26.0, "speaker": 2 }, { "sentences": [ { "text": "And as I joked before, if CDT, you know, starts to do more and more state stuff, we'll get you a Winnebago and send you on a 50 state tour.", "start": 664.44, "end": 671.095 } ], "start": 664.44, "end": 671.095, "num_words": 30.0, "speaker": 2 }, { "sentences": [ { "text": "Looking forward", "start": 671.095, "end": 672.41504 } ], "start": 671.095, "end": 672.41504, "num_words": 2.0, "speaker": 0 }, { "sentences": [ { "text": "to it.", "start": 672.41504, "end": 672.775 } ], "start": 672.41504, "end": 672.775, "num_words": 2.0, "speaker": 1 }, { "sentences": [ { "text": "Thank you so much.", "start": 672.775, "end": 673.575 } ], "start": 672.775, "end": 673.575, "num_words": 4.0, "speaker": 2 }, { "sentences": [ { "text": "Thank you.", "start": 673.575, "end": 674.055 }, { "text": "Thanks.", "start": 674.055, "end": 674.555 } ], "start": 673.575, "end": 674.555, "num_words": 3.0, "speaker": 3 }, { "sentences": [ { "text": "Most Americans have a bank account, at least one credit card, perhaps more, and a loan or two for a car or that pricey college degree.", "start": 678.855, "end": 685.85004 }, { "text": "These all come with interest rates and payment schedules and a lot of data about how much money we have and how we spend it.", "start": 686.15, "end": 692.57 }, { "text": "This is data that is often used to decide if we qualify for a new loan or receive financial aid for school.", "start": 692.95, "end": 698.245 }, { "text": "And this data is also potentially very valuable to businesses wanting to offer a range of services.", "start": 698.305, "end": 703.205 }, { "text": "InvestNet Yodlee is one such company that is leveraging this financial data to offer a variety of services in the fintech space.", "start": 703.825, "end": 710.325 } ], "start": 678.855, "end": 710.325, "num_words": 112.0, "speaker": 2 }, { "sentences": [ { "text": "They are facing a number of challenges though, when it comes to consumers' financial data, including questions around who has control and responsibility for that data.", "start": 710.46497, "end": 718.5 }, { "text": "Steve Baums, the vice president of government affairs at Yodlee, joins us today to talk through some of these issues.", "start": 718.8, "end": 723.76 }, { "text": "Welcome, Steve.", "start": 723.76, "end": 724.91504 }, { "text": "Hello.", "start": 724.91504, "end": 725.41504 }, { "text": "So first, tell us about Yodlee in general.", "start": 725.635, "end": 727.955 } ], "start": 710.46497, "end": 727.955, "num_words": 57.0, "speaker": 2 }, { "sentences": [ { "text": "So for the folks who don't know Sure.", "start": 727.955, "end": 729.59503 }, { "text": "And you also have this thing called screenless data capture.", "start": 729.79504, "end": 732.835 }, { "text": "What the heck is that?", "start": 732.835, "end": 733.79504 } ], "start": 727.955, "end": 733.79504, "num_words": 23.0, "speaker": 2 }, { "sentences": [ { "text": "Sure.", "start": 733.79504, "end": 734.11505 }, { "text": "So the best and easiest way to think about Yodlee is as the intermediary between fintech and the traditional banking sector.", "start": 734.11505, "end": 740.62994 }, { "text": "We're about twenty years old.", "start": 740.62994, "end": 742.14996 }, { "text": "So we're one of the first fintech companies out there.", "start": 742.14996, "end": 744.88995 }, { "text": "And the business case is when you, the consumer, a small business wants to use a fintech platform but wanna connect your bank, and the average American average American has about 15 different bank or payment accounts at seven", "start": 745.35, "end": 758.16504 } ], "start": 733.79504, "end": 758.16504, "num_words": 76.0, "speaker": 1 }, { "sentences": [ { "text": "different Wow.", "start": 758.22504, "end": 758.54504 }, { "text": "I'm below average, I think, now.", "start": 758.54504, "end": 760.065 }, { "text": "So that's good.", "start": 760.065, "end": 760.965 } ], "start": 758.22504, "end": 760.965, "num_words": 11.0, "speaker": 2 }, { "sentences": [ { "text": "The idea is that we can connect those two.", "start": 761.66504, "end": 764.245 }, { "text": "So screenless data capture is one way of connecting those two.", "start": 764.305, "end": 767.825 }, { "text": "That's where we, get the user's credentials, so username and password, and log in as them to capture the data and use it for the third party application.", "start": 767.825, "end": 776.63 }, { "text": "But only about 25% of our data comes from screenless data capture.", "start": 776.93, "end": 780.79 }, { "text": "The vast, vast, vast majority of our data comes from what we call direct feeds.", "start": 780.945, "end": 784.245 } ], "start": 761.66504, "end": 784.245, "num_words": 75.0, "speaker": 1 }, { "sentences": [ { "text": "So Yodlee's differentiator in the market is we've negotiated bilateral deals with hundreds, maybe thousands of different data sources so that we have direct connections to those banks where we don't need the username and password to access the data.", "start": 784.465, "end": 798.15 }, { "text": "We have prenegotiated contractual agreements to get that data instead.", "start": 798.15, "end": 801.45 } ], "start": 784.465, "end": 801.45, "num_words": 50.0, "speaker": 1 }, { "sentences": [ { "text": "And are those, stronger when it turn comes to privacy and security if it you have those agreements?", "start": 801.75, "end": 807.05005 } ], "start": 801.75, "end": 807.05005, "num_words": 18.0, "speaker": 2 }, { "sentences": [ { "text": "Privacy and security is always of paramount importance, right, for all the players in this ecosystem.", "start": 807.11005, "end": 811.32495 }, { "text": "So it's regardless of how we get the data, those are absolutely fundamental.", "start": 811.625, "end": 815.64496 }, { "text": "We are regulated and supervised by the OCC.", "start": 815.70496, "end": 818.125 }, { "text": "We're examined, because we're a third party vendor to so many large financial institutions, and we have a really, really, really strong, risk and, security governance program.", "start": 818.185, "end": 828.9 } ], "start": 807.11005, "end": 828.9, "num_words": 64.0, "speaker": 1 }, { "sentences": [ { "text": "Sure.", "start": 828.9, "end": 829.14 }, { "text": "That makes sense.", "start": 829.14, "end": 829.78 }, { "text": "So Yodlee has been in the market for twenty years, and that surprised me.", "start": 829.78, "end": 832.9 }, { "text": "That's, when you think about data and all that sort of stuff, I I guess, you know, maybe it dates me.", "start": 832.9, "end": 837.22003 }, { "text": "But I because I didn't even realize that was possible for twenty years.", "start": 837.22003, "end": 839.985 } ], "start": 828.9, "end": 839.985, "num_words": 52.0, "speaker": 2 }, { "sentences": [ { "text": "But in fact, it has been.", "start": 839.985, "end": 841.505 }, { "text": "What have you seen change over, like, the course of the time that you've all been in business?", "start": 841.505, "end": 845.025 }, { "text": "Not that you've been with them the entire twenty years.", "start": 845.025, "end": 846.865 }, { "text": "Or you look far too young, but, Thank", "start": 846.865, "end": 848.705 } ], "start": 839.985, "end": 848.705, "num_words": 42.0, "speaker": 2 }, { "sentences": [ { "text": "you so much.", "start": 848.705, "end": 849.265 }, { "text": "Well, so quite a bit.", "start": 849.265, "end": 849.985 }, { "text": "Right?", "start": 849.985, "end": 850.145 }, { "text": "As you can imagine, over twenty years, there's been this explosion within the financial technology sector.", "start": 850.145, "end": 854.64 }, { "text": "So what's changed is the immense number of offerings of products and services from technology companies in the financial world.", "start": 855.66003, "end": 862.24 } ], "start": 848.705, "end": 862.24, "num_words": 45.0, "speaker": 1 }, { "sentences": [ { "text": "As that's happened, we've also seen the, tenor and tone of the banks change as it relates to allowing their consumers to share this data.", "start": 862.94, "end": 872.585 } ], "start": 862.94, "end": 872.585, "num_words": 25.0, "speaker": 1 }, { "sentences": [ { "text": "Okay.", "start": 872.585, "end": 873.065 } ], "start": 872.585, "end": 873.065, "num_words": 1.0, "speaker": 2 }, { "sentences": [ { "text": "Part of it is from a security perspective to the point I think you alluded to earlier.", "start": 873.065, "end": 876.525 }, { "text": "Right?", "start": 876.665, "end": 876.905 }, { "text": "There are legitimate security concerns that banks have, both data and cybersecurity, about allowing these third party tools to leverage consumers' data to provide benefits to them.", "start": 876.905, "end": 886.61 }, { "text": "But part of it, frankly, is just competition.", "start": 886.75, "end": 888.61 }, { "text": "Right?", "start": 888.91003, "end": 889.07 } ], "start": 873.065, "end": 889.07, "num_words": 54.0, "speaker": 1 }, { "sentences": [ { "text": "So in many cases, fintech firms are competing directly against traditional banks to offer the same types of products and services that banks historically have provided for centuries.", "start": 889.07, "end": 897.34503 } ], "start": 889.07, "end": 897.34503, "num_words": 28.0, "speaker": 1 }, { "sentences": [ { "text": "And so some of these products and services just for people?", "start": 897.72504, "end": 900.365 }, { "text": "Everything.", "start": 900.365, "end": 900.765 }, { "text": "Right?", "start": 900.765, "end": 901.085 } ], "start": 897.72504, "end": 901.085, "num_words": 13.0, "speaker": 2 }, { "sentences": [ { "text": "So it it ranges from personal financial management tools.", "start": 901.085, "end": 904.11 }, { "text": "So, you know, you go along, you see a dashboard of all 15 of your accounts in one place.", "start": 904.26996, "end": 907.87 }, { "text": "Your entire financial life is there.", "start": 907.87, "end": 909.73 }, { "text": "To, credit and lending products.", "start": 910.11, "end": 912.26996 }, { "text": "Right?", "start": 912.26996, "end": 912.51 } ], "start": 901.085, "end": 912.51, "num_words": 40.0, "speaker": 1 }, { "sentences": [ { "text": "Think about your marketplace lenders or, our firms like Kabbage for small businesses and getting credit for them.", "start": 912.51, "end": 918.76996 }, { "text": "To there are even applications now that can help you, mediate your way through a divorce.", "start": 919.19495, "end": 923.51495 }, { "text": "So if you can aggregate all of your finances in one place, you can all see it in one place, and then you can decide how to divide up.", "start": 923.51495, "end": 928.71497 }, { "text": "There are literally thousands and thousands and thousands of applications.", "start": 928.71497, "end": 931.535 }, { "text": "The beauty is it's up to the consumer to decide which they want to use, and their data only comes in once they've said, yep.", "start": 931.995, "end": 939.36 } ], "start": 912.51, "end": 939.36, "num_words": 98.0, "speaker": 1 }, { "sentences": [ { "text": "I'm gonna log on to, let's say, Personal Capital or Betterment.", "start": 939.36, "end": 943.38 }, { "text": "I wanna use this tool, and only then will the connection to their financial accounts be made once they input the information.", "start": 943.68, "end": 949.09503 } ], "start": 939.36, "end": 949.09503, "num_words": 33.0, "speaker": 1 }, { "sentences": [ { "text": "Okay.", "start": 949.47504, "end": 949.795 }, { "text": "Yeah.", "start": 949.795, "end": 949.91504 }, { "text": "I know.", "start": 949.91504, "end": 950.195 }, { "text": "As you're talking through that, I'm like, gosh.", "start": 950.195, "end": 951.47504 }, { "text": "I really need to get my finances in order.", "start": 951.47504, "end": 953.075 } ], "start": 949.47504, "end": 953.075, "num_words": 21.0, "speaker": 2 }, { "sentences": [ { "text": "And it", "start": 953.075, "end": 953.235 } ], "start": 953.075, "end": 953.235, "num_words": 2.0, "speaker": 2 }, { "sentences": [ { "text": "would be great to talk after", "start": 953.235, "end": 954.675 } ], "start": 953.235, "end": 954.675, "num_words": 6.0, "speaker": 1 }, { "sentences": [ { "text": "one one platform that would help me out.", "start": 954.675, "end": 956.59503 }, { "text": "So I'll I'll ask you for advice on that later.", "start": 956.59503, "end": 958.855 }, { "text": "So all this data, I mean, obviously, financial data is some of your more personal data.", "start": 959.635, "end": 964.2 }, { "text": "Certainly, if there's any sort of breach of that data, it could be catastrophic for folks.", "start": 964.26, "end": 968.18 }, { "text": "Who's liable in this case?", "start": 968.18, "end": 969.62 } ], "start": 954.675, "end": 969.62, "num_words": 55.0, "speaker": 2 }, { "sentences": [ { "text": "Is it the banks?", "start": 969.62, "end": 970.60004 }, { "text": "Is it is it Yodlee?", "start": 970.9, "end": 972.28 }, { "text": "Is it, you know, the other, you know, company in the mix that's trying to offer a service?", "start": 972.42004, "end": 976.285 }, { "text": "How does that work?", "start": 976.285, "end": 977.085 } ], "start": 969.62, "end": 977.085, "num_words": 31.0, "speaker": 2 }, { "sentences": [ { "text": "It's a really complicated question.", "start": 977.085, "end": 978.285 }, { "text": "Right?", "start": 978.285, "end": 978.445 }, { "text": "So let me start by saying a few things.", "start": 978.445, "end": 980.305 }, { "text": "As far as Yodlee is concerned, we don't have or collect personally identifiable information when we're connecting the fintech player to the bank.", "start": 980.525, "end": 988.01996 }, { "text": "Okay.", "start": 988.01996, "end": 988.42 } ], "start": 977.085, "end": 988.42, "num_words": 39.0, "speaker": 1 }, { "sentences": [ { "text": "So what we have is an anonymized number.", "start": 988.42, "end": 991.14 }, { "text": "Right?", "start": 991.14, "end": 991.38 }, { "text": "So they don't know that it's Steve Balmes who's connecting his Capital One account.", "start": 991.38, "end": 995.45996 }, { "text": "They know that user 1YZ four five is connecting a Capital One account to use personal capital.", "start": 995.45996, "end": 1000.895 }, { "text": "But even if that wasn't the case and there's a breach, for Yodlee, there's a few different things that mandate who's liable.", "start": 1001.275, "end": 1007.195 } ], "start": 988.42, "end": 1007.195, "num_words": 62.0, "speaker": 1 }, { "sentences": [ { "text": "The first is where did the breach actually happen?", "start": 1007.195, "end": 1009.215 }, { "text": "Right?", "start": 1009.355, "end": 1009.675 }, { "text": "If if it happened at Yodlee Sure.", "start": 1009.675, "end": 1011.275 }, { "text": "That's one scenario.", "start": 1011.59503, "end": 1012.555 }, { "text": "If it happened at the bank, that's another scenario.", "start": 1012.555, "end": 1013.995 } ], "start": 1007.195, "end": 1013.995, "num_words": 29.0, "speaker": 1 }, { "sentences": [ { "text": "If it happened to third party, personal capital, that's a third scenario.", "start": 1013.995, "end": 1017.03 }, { "text": "But because we're a little bit different, right, I went going back to the idea that three quarters of our data comes through direct fees and contractual relationships with with banks, each of those contracts stipulates the liabilities.", "start": 1017.41003, "end": 1028.495 } ], "start": 1013.995, "end": 1028.495, "num_words": 50.0, "speaker": 1 }, { "sentences": [ { "text": "Okay.", "start": 1028.635, "end": 1028.9551 } ], "start": 1028.635, "end": 1028.9551, "num_words": 1.0, "speaker": 2 }, { "sentences": [ { "text": "So it's a little bit different for Yieldy than the rest of the players.", "start": 1028.9551, "end": 1031.535 }, { "text": "The differential for us is that we have those relationships with banks.", "start": 1032.155, "end": 1035.855 }, { "text": "The majority of other players in the system, or at least most of the other players in the system, go through screenless data capture.", "start": 1036.0751, "end": 1042.84 }, { "text": "So it's less collaborative with the banks, and it's more you give us your username and password.", "start": 1042.9, "end": 1046.9 }, { "text": "We will log in as you to your account.", "start": 1046.9, "end": 1048.5 } ], "start": 1028.9551, "end": 1048.5, "num_words": 76.0, "speaker": 1 }, { "sentences": [ { "text": "We will capture it, and we will spit it out.", "start": 1048.5, "end": 1050.76 }, { "text": "It's not less safe.", "start": 1050.98, "end": 1052.34 }, { "text": "It's a different form of doing it.", "start": 1052.34, "end": 1053.6749 }, { "text": "But because we have the contractual arrangements, the liability provisions are clearly spelled out in each scenario.", "start": 1053.6749, "end": 1058.495 } ], "start": 1048.5, "end": 1058.495, "num_words": 38.0, "speaker": 1 }, { "sentences": [ { "text": "Okay.", "start": 1058.635, "end": 1059.135 }, { "text": "So before we start recording, we're talking a bit about travel, and you were saying that you are a road warrior when it comes to work and do business in The US, EU, and I believe other places.", "start": 1059.515, "end": 1067.98 }, { "text": "But let's focus on the The US and The EU.", "start": 1068.76, "end": 1071.26 }, { "text": "What's kind of the difference in how you have to operate in the two different, two different places?", "start": 1071.48, "end": 1076.84 }, { "text": "Because they obviously have very different, rules, regulations, policies around privacy.", "start": 1076.84, "end": 1081.305 } ], "start": 1058.635, "end": 1081.305, "num_words": 78.0, "speaker": 2 }, { "sentences": [ { "text": "Yeah.", "start": 1081.4451, "end": 1081.685 }, { "text": "So this this is a fascinating area.", "start": 1081.685, "end": 1083.525 }, { "text": "Right?", "start": 1083.525, "end": 1083.685 }, { "text": "And it was one that was really eye opening for me having come from the traditional bank world and done a little bit of work in the EU to now being really, really deeply involved in what's happening there.", "start": 1083.685, "end": 1094.4241 }, { "text": "Generally speaking, we in The US are years behind the EU, in terms of thinking about data and privacy and how consumers can use their data to their advantage.", "start": 1094.616, "end": 1103.5 } ], "start": 1081.4451, "end": 1103.5, "num_words": 77.0, "speaker": 1 }, { "sentences": [ { "text": "In the EU, there are two, regulations that I would point out as really important.", "start": 1103.88, "end": 1108.545 }, { "text": "One is the second payment services directive, PSD two, which the European Banking Authority just finalized some of the standards a few weeks ago.", "start": 1108.925, "end": 1116.4651 }, { "text": "And in the next couple of years, we'll go into full effect.", "start": 1116.6051, "end": 1119.1051 }, { "text": "The idea here is consumers own their own data.", "start": 1119.165, "end": 1121.95 }, { "text": "It's not the banks to decide what to do with.", "start": 1121.95, "end": 1123.7899 } ], "start": 1103.88, "end": 1123.7899, "num_words": 70.0, "speaker": 1 }, { "sentences": [ { "text": "It's the consumers to decide what to do with.", "start": 1123.7899, "end": 1125.65 }, { "text": "And it goes through a really, really descriptive and, prescriptive mandate into how banks must make the data available and what the roles and responsibilities in ecosystem are, you know, going back to your question about liability and how the data is collected, all of these things.", "start": 1126.11, "end": 1141.5249 }, { "text": "But at the core is technology is a really important way that consumers can improve their finances, and banks should not stand in the way of allowing consumers to do that.", "start": 1141.5249, "end": 1150.66 }, { "text": "The second I would say is GDPR, which is the data security European requirement, which is also gonna go into effect the next year and a half, year or so.", "start": 1151.6, "end": 1159.38 }, { "text": "And that's kind of the other side of the coin of PST two.", "start": 1159.76, "end": 1162.3151 } ], "start": 1123.7899, "end": 1162.3151, "num_words": 130.0, "speaker": 1 }, { "sentences": [ { "text": "It's this idea that in a really tech focused world where consumers are permissioning and using their data for any host of things, not just in the financial world, everywhere, there have to be some baseline understandings about data security, data privacy, consent, disclosure, and, letting consumers turn on and off the ability to use the data so that the flow they have control of the flow.", "start": 1162.3151, "end": 1183.39 }, { "text": "It's not somebody doing it for them.", "start": 1183.39, "end": 1185.0701 } ], "start": 1162.3151, "end": 1185.0701, "num_words": 74.0, "speaker": 1 }, { "sentences": [ { "text": "Yeah.", "start": 1185.0701, "end": 1185.5701 } ], "start": 1185.0701, "end": 1185.5701, "num_words": 1.0, "speaker": 2 }, { "sentences": [ { "text": "So those two things intertwined, create a really important fabric for how this environment should work, the fintech environment should work in the EU.", "start": 1185.7101, "end": 1195.405 }, { "text": "And then you have other countries in the EU, well, I I suppose The UK is one foot in, one foot out, that even gone a step further and said, not only will we take these and implement them, we're gonna go a step further and have something called open banking, where we will create a standardized API by which all of this data has to be made available so the consumer can not only permission their data, but there's a standardized way that these fintech firms can get the data so that we are getting rid of all the drag in the system, and it's frictionless for the consumer.", "start": 1195.405, "end": 1221.965 }, { "text": "Contrast that to The US, right, where we have a really fragmented regulatory system that came about after two and a half centuries of securities laws and bank laws and technology laws and privacy laws.", "start": 1222.505, "end": 1236.8 }, { "text": "We also have 6,000 financial institutions in this country as opposed to a few dozen in Europe.", "start": 1237.74, "end": 1243.36 }, { "text": "It's really hard to get consensus here.", "start": 1243.8201, "end": 1245.8401 } ], "start": 1185.7101, "end": 1245.8401, "num_words": 193.0, "speaker": 1 }, { "sentences": [ { "text": "And the regulators in The US and congress are really wrestling with what is our role here in the first place.", "start": 1245.98, "end": 1252.8251 }, { "text": "And even if we have a role, we have to, I I, recognize that it's just a sliver of the entire ecosystem, which means it's kind of been a free for all.", "start": 1252.885, "end": 1262.405 }, { "text": "Right?", "start": 1262.405, "end": 1262.645 }, { "text": "The the market itself has been dictating the terms here.", "start": 1262.645, "end": 1265.2999 }, { "text": "What we're seeing now is increasingly, financial institutions are recognizing fintech as competition, and they have the right here to say what data they will and will not share.", "start": 1265.6, "end": 1275.86 } ], "start": 1245.98, "end": 1275.86, "num_words": 93.0, "speaker": 1 }, { "sentences": [ { "text": "Contrast it to the EU where they don't have that right, it means that it's a much more friction full", "start": 1276.695, "end": 1281.255 } ], "start": 1276.695, "end": 1281.255, "num_words": 20.0, "speaker": 1 }, { "sentences": [ { "text": "Sure.", "start": 1281.575, "end": 1281.815 } ], "start": 1281.575, "end": 1281.815, "num_words": 1.0, "speaker": 2 }, { "sentences": [ { "text": "Experience Yeah.", "start": 1281.8949, "end": 1282.9349 }, { "text": "For the consumer here, which is why Yodlee and 20 or so other, fintech companies, we call ourselves the, Consumer Financial Data Rights Coalition, are really evangelical about this idea that it's not the bank's data to decide whether to share or not.", "start": 1283.1749, "end": 1298.3301 }, { "text": "It's the consumers.", "start": 1298.3301, "end": 1299.15 }, { "text": "And in an environment like in Europe, like in The UK, where consumers have the right to share their data to these technology tools, they can really take advantage of important, important, important, tools that can help them improve their financial well-being.", "start": 1299.61, "end": 1312.875 }, { "text": "So that was a really long answer to a really", "start": 1313.3351, "end": 1315.175 } ], "start": 1281.8949, "end": 1315.175, "num_words": 100.0, "speaker": 1 }, { "sentences": [ { "text": "short question.", "start": 1315.175, "end": 1315.655 }, { "text": "That was really helpful.", "start": 1315.655, "end": 1316.535 }, { "text": "Do you think The US is is getting there?", "start": 1316.535, "end": 1318.775 }, { "text": "Do you think that there is, you know, potential for that to be the case?", "start": 1318.775, "end": 1321.99 }, { "text": "Because, obviously, the the talking point of, you know, it's the consumer's data, it's not the bank's data.", "start": 1321.99, "end": 1325.99 } ], "start": 1315.175, "end": 1325.99, "num_words": 48.0, "speaker": 2 }, { "sentences": [ { "text": "It's probably gonna resonate with a lot of folks.", "start": 1325.99, "end": 1327.99 }, { "text": "But then you'll also get some people saying, well, even when a consumer has control of their data with stuff like financial data, it's hard to really take control of that just because you don't know what's out there.", "start": 1327.99, "end": 1338.235 }, { "text": "It's in different places.", "start": 1338.235, "end": 1339.275 }, { "text": "So you don't wanna lose control.", "start": 1339.275, "end": 1341.275 }, { "text": "So even though they may make some choices, it's easy to lose control if you put it out there too much.", "start": 1341.275, "end": 1346.5549 } ], "start": 1325.99, "end": 1346.5549, "num_words": 79.0, "speaker": 2 }, { "sentences": [ { "text": "So how does The US get to kind of the vision where the consumer has true control is making those informed decisions and taking advantage of all this great fintech?", "start": 1346.5549, "end": 1355.0 } ], "start": 1346.5549, "end": 1355.0, "num_words": 30.0, "speaker": 2 }, { "sentences": [ { "text": "So I think the the great news is that the regulators here in Congress have started a long process to figure this out.", "start": 1355.06, "end": 1360.8201 }, { "text": "I can't tell you how much time it's it's gonna take or what", "start": 1360.8201, "end": 1363.5878 } ], "start": 1355.06, "end": 1363.5878, "num_words": 36.0, "speaker": 1 }, { "sentences": [ { "text": "it looks like when", "start": 1363.5878, "end": 1364.894 } ], "start": 1363.5878, "end": 1364.894, "num_words": 4.0, "speaker": 2 }, { "sentences": [ { "text": "it's done.", "start": 1364.894, "end": 1365.5471 }, { "text": "What?", "start": 1365.5471, "end": 1365.8738 }, { "text": "But they've started.", "start": 1365.8738, "end": 1366.8534 }, { "text": "And a few important developments really just in the past few months.", "start": 1366.8534, "end": 1370.7722 }, { "text": "Right?", "start": 1370.7722, "end": 1371.0988 } ], "start": 1364.894, "end": 1371.0988, "num_words": 19.0, "speaker": 1 }, { "sentences": [ { "text": "So the CFPB put out its request for information in November on, data access, which is really this idea of how consumers can get their data and what they can do with it in a financial sense once they have it.", "start": 1371.0988, "end": 1381.97 }, { "text": "Then they put out a request for information on alternative uses of data, particularly in credit.", "start": 1382.11, "end": 1387.09 }, { "text": "So this idea that there's a real benefit to consumers in underwriting, underwriting, if they can take their transactional information and leverage it as another tool beyond just a credit score to get better pricing on credit products.", "start": 1387.31, "end": 1400.065 }, { "text": "The OCC, of course, has its proposed fintech charter, which is trying to bring into, preempted federal state supervision of, fintech, firms that are involved in bank type services.", "start": 1400.205, "end": 1411.64 }, { "text": "The FDIC, the OCC, and the Fed came out with a cybersecurity ANPR, late last year, early this year, which is really on cybersecurity, but has a whole section on what they call external dependencies, which is really fintech.", "start": 1412.26, "end": 1424.335 } ], "start": 1371.0988, "end": 1424.335, "num_words": 163.0, "speaker": 1 }, { "sentences": [ { "text": "So they're starting.", "start": 1424.875, "end": 1425.6749 }, { "text": "And in the Hill, we've seen the innovation initiatives from, congressman McHenry and congressman McCarthy, which is all about trying to really grow the innovation that's happening in fintech and make it more available, both from a how do you finance it at the front end to how do you use APIs to to exponentially grow it.", "start": 1425.6749, "end": 1441.9501 }, { "text": "So they're starting.", "start": 1442.09, "end": 1443.0701 }, { "text": "How this all ends up, of course, is still very much unknown.", "start": 1443.93, "end": 1447.05 }, { "text": "It will take years at this pace to get to, you know, any type of finality.", "start": 1447.05, "end": 1451.605 } ], "start": 1424.875, "end": 1451.605, "num_words": 91.0, "speaker": 1 }, { "sentences": [ { "text": "And even then, as I said earlier, you've got 6,000 financial institutions in The US.", "start": 1451.605, "end": 1456.005 }, { "text": "You've got thousands and thousands of fintech players, aggregators like Yodlee who sit in the middle.", "start": 1456.005, "end": 1460.025 }, { "text": "It's not clear to us that you will get any cut and dry rules like we have in the EU, like PSTT or GDPR.", "start": 1460.565, "end": 1466.28 }, { "text": "But instead, what we think is if you just get to a place where it can be asserted that the consumer has the absolute right to share their data, the market can figure the rest of it out.", "start": 1467.06, "end": 1476.475 }, { "text": "Right?", "start": 1476.475, "end": 1476.635 } ], "start": 1451.605, "end": 1476.635, "num_words": 94.0, "speaker": 1 }, { "sentences": [ { "text": "We've been doing this for twenty years.", "start": 1476.635, "end": 1478.1749 }, { "text": "In the absence of all of that regulation", "start": 1478.235, "end": 1479.835 } ], "start": 1476.635, "end": 1479.835, "num_words": 15.0, "speaker": 1 }, { "sentences": [ { "text": "Right.", "start": 1479.9149, "end": 1480.115 } ], "start": 1479.9149, "end": 1480.115, "num_words": 1.0, "speaker": 2 }, { "sentences": [ { "text": "We can keep doing it.", "start": 1480.315, "end": 1481.515 }, { "text": "The only difference here is we need to make sure that the consumer's rights to their data are unfettered.", "start": 1481.515, "end": 1486.095 }, { "text": "That's great.", "start": 1486.7949, "end": 1487.5349 } ], "start": 1480.315, "end": 1487.5349, "num_words": 26.0, "speaker": 1 }, { "sentences": [ { "text": "So last question I'll ask here.", "start": 1487.835, "end": 1489.355 }, { "text": "Just and you alluded to or you talked touched on this a little bit earlier.", "start": 1489.355, "end": 1492.37 }, { "text": "What are some of the coolest trends that you're seeing in fintech?", "start": 1492.37, "end": 1495.75 }, { "text": "Things that might get, you know, consumers really excited about the the future of this beyond just the policy world?", "start": 1495.81, "end": 1502.13 } ], "start": 1487.835, "end": 1502.13, "num_words": 53.0, "speaker": 2 }, { "sentences": [ { "text": "Yeah.", "start": 1502.13, "end": 1502.145 }, { "text": "Yeah.", "start": 1502.145, "end": 1502.305 }, { "text": "That's a great question.", "start": 1502.305, "end": 1503.105 }, { "text": "Right?", "start": 1503.105, "end": 1503.265 }, { "text": "So there's there's quite a few.", "start": 1503.265, "end": 1505.185 } ], "start": 1502.13, "end": 1505.185, "num_words": 13.0, "speaker": 1 }, { "sentences": [ { "text": "I think the the most exciting really from where I sit are what I think of as, like, financial wellness applications.", "start": 1505.185, "end": 1512.005 }, { "text": "So tools that, can smooth income for seasonal workers or for low income workers who don't have a dependable paycheck.", "start": 1512.785, "end": 1520.59 }, { "text": "But if you have a year or two years of transaction data that shows, direct deposit into your account rather than have to figure out, do you pay the phone bill this month or the electricity bill or the rent or, you know, your kid's, tuition?", "start": 1520.89, "end": 1537.385 }, { "text": "They will say, we'll give you a dependable amount every two months or every month in your paycheck.", "start": 1538.725, "end": 1543.39 }, { "text": "It will equal over a year to what you will take home anyway, but it's smooth.", "start": 1543.45, "end": 1547.69 } ], "start": 1505.185, "end": 1547.69, "num_words": 121.0, "speaker": 1 }, { "sentences": [ { "text": "So you will not have to make those choices every year.", "start": 1547.69, "end": 1549.9299 }, { "text": "So there's a host of applications like that, fixed income optimization tools.", "start": 1549.9299, "end": 1554.015 }, { "text": "Right?", "start": 1554.015, "end": 1554.175 }, { "text": "I alluded to the divorce reconciliation tool.", "start": 1554.175, "end": 1556.915 }, { "text": "It's it's limitless, really, when you think about it.", "start": 1557.455, "end": 1560.415 } ], "start": 1547.69, "end": 1560.415, "num_words": 40.0, "speaker": 1 }, { "sentences": [ { "text": "It's and the the beauty of it is it's all dependent on a really, generally, simple transaction data that you have at your fingertips now.", "start": 1560.415, "end": 1568.34 }, { "text": "And, theoretically, you could have just printed out, right, and done with it, you know, in an Excel spreadsheet, kind of all this stuff on your own.", "start": 1568.6599, "end": 1574.9 }, { "text": "But the ability to put it in categorized form, in dashboards, and to dice it and slice it and apply analytics to it empowers all of these tools to help you make sense of your finances.", "start": 1574.9, "end": 1583.9551 } ], "start": 1560.415, "end": 1583.9551, "num_words": 88.0, "speaker": 1 }, { "sentences": [ { "text": "That's great.", "start": 1584.175, "end": 1584.655 }, { "text": "Yeah.", "start": 1584.655, "end": 1584.895 }, { "text": "No.", "start": 1584.895, "end": 1585.055 }, { "text": "I am I'm no Excel expert.", "start": 1585.055, "end": 1586.8151 }, { "text": "So, you know, that that Excel solution is never a good one.", "start": 1586.8151, "end": 1589.215 } ], "start": 1584.175, "end": 1589.215, "num_words": 22.0, "speaker": 2 }, { "sentences": [ { "text": "Anything that makes it easier is better.", "start": 1589.215, "end": 1591.055 } ], "start": 1589.215, "end": 1591.055, "num_words": 7.0, "speaker": 2 }, { "sentences": [ { "text": "I think the data that we have shows that before fintech, only about 2% of people actually had budgeting tools that they could track all their finances across all of the accounts that they had.", "start": 1591.055, "end": 1601.9 }, { "text": "So there's a huge, huge, huge benefit to this.", "start": 1601.9, "end": 1604.2999 }, { "text": "Absolutely.", "start": 1604.2999, "end": 1604.62 } ], "start": 1591.055, "end": 1604.62, "num_words": 45.0, "speaker": 1 }, { "sentences": [ { "text": "Well, there are definitely a lot of potential benefits and some risks out there.", "start": 1604.62, "end": 1607.98 }, { "text": "So, hopefully, all sectors come together, figure this out.", "start": 1607.98, "end": 1610.725 }, { "text": "Steve, thank you so much for sharing your insights and being on Tech Talk.", "start": 1610.725, "end": 1613.9249 } ], "start": 1604.62, "end": 1613.9249, "num_words": 37.0, "speaker": 2 }, { "sentences": [ { "text": "Thanks for having me.", "start": 1613.9249, "end": 1614.9049 } ], "start": 1613.9249, "end": 1614.9049, "num_words": 4.0, "speaker": 1 }, { "sentences": [ { "text": "That's it for this episode of Tech Talk.", "start": 1619.6849, "end": 1621.605 }, { "text": "If you'd like to find out more about CDC's work on data and privacy across sectors, be sure to visit cdt.org and we'd love getting feedback on the issues we talk about on the show so be sure to tweet any comments to us at sendem tech or leave a comment on SoundCloud Google Play or iTunes I'm Brian Wasilowski thanks for listening", "start": 1621.605, "end": 1642.6226 } ], "start": 1619.6849, "end": 1642.6226, "num_words": 71.0, "speaker": 2 } ] }, "entities": null, "translations": null, "topics": null } ], "detected_language": "" } ], "utterances": [ { "start": 10.48, "end": 12.66, "confidence": 0.932989, "channel": 0, "transcript": "Welcome to Tech Talk. Bye.", "words": [ { "word": "welcome", "start": 10.48, "end": 10.98, "confidence": 0.9563567, "punctuated_word": "Welcome", "speaker": 0, "speaker_confidence": 0.0763402 }, { "word": "to", "start": 11.04, "end": 11.28, "confidence": 0.99624664, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.0763402 }, { "word": "tech", "start": 11.28, "end": 11.599999, "confidence": 0.84983516, "punctuated_word": "Tech", "speaker": 0, "speaker_confidence": 0.0763402 }, { "word": "talk", "start": 11.599999, "end": 12.099999, "confidence": 0.92068446, "punctuated_word": "Talk.", "speaker": 0, "speaker_confidence": 0.0763402 }, { "word": "bye", "start": 12.16, "end": 12.66, "confidence": 0.9418222, "punctuated_word": "Bye.", "speaker": 0, "speaker_confidence": 0.0 } ], "speaker": 0, "id": "962b71e0-18d6-4352-b5a8-3d5cc0583d8a" }, { "start": 13.04, "end": 14.259999, "confidence": 0.75450647, "channel": 0, "transcript": "CT. Tea.", "words": [ { "word": "ct", "start": 13.04, "end": 13.54, "confidence": 0.6684403, "punctuated_word": "CT.", "speaker": 0, "speaker_confidence": 0.0 }, { "word": "tea", "start": 13.759999, "end": 14.259999, "confidence": 0.84057266, "punctuated_word": "Tea.", "speaker": 1, "speaker_confidence": 0.11470187 } ], "speaker": 1, "id": "ca42e107-55e6-497e-a324-180966781a68" }, { "start": 16.475, "end": 27.455, "confidence": 0.9581982, "channel": 0, "transcript": "Welcome to CDT's Tech Talk, where we dish on tech and Internet policy while also explaining what these policies mean to our daily lives. I'm Brian Wasilowski, and it's time to talk tech.", "words": [ { "word": "welcome", "start": 16.475, "end": 16.875, "confidence": 0.9923921, "punctuated_word": "Welcome", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 16.875, "end": 17.035, "confidence": 0.99940395, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "cdt's", "start": 17.035, "end": 17.535, "confidence": 0.9670191, "punctuated_word": "CDT's", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "tech", "start": 17.595, "end": 17.835, "confidence": 0.644463, "punctuated_word": "Tech", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "talk", "start": 17.835, "end": 18.075, "confidence": 0.7904416, "punctuated_word": "Talk,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "where", "start": 18.075, "end": 18.315, "confidence": 0.9995415, "punctuated_word": "where", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "we", "start": 18.315, "end": 18.475, "confidence": 0.9999001, "punctuated_word": "we", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "dish", "start": 18.475, "end": 18.715, "confidence": 0.99810517, "punctuated_word": "dish", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "on", "start": 18.715, "end": 18.955, "confidence": 0.9972365, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "tech", "start": 18.955, "end": 19.195, "confidence": 0.9878219, "punctuated_word": "tech", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 19.195, "end": 19.435, "confidence": 0.9982181, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "internet", "start": 19.435, "end": 19.915, "confidence": 0.8920302, "punctuated_word": "Internet", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "policy", "start": 19.915, "end": 20.415, "confidence": 0.99713135, "punctuated_word": "policy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "while", "start": 20.475, "end": 20.715, "confidence": 0.65626895, "punctuated_word": "while", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "also", "start": 20.715, "end": 21.115, "confidence": 0.9991416, "punctuated_word": "also", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "explaining", "start": 21.115, "end": 21.515, "confidence": 0.99931777, "punctuated_word": "explaining", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "what", "start": 21.515, "end": 21.755, "confidence": 0.99967444, "punctuated_word": "what", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "these", "start": 21.755, "end": 21.994999, "confidence": 0.9977441, "punctuated_word": "these", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "policies", "start": 21.994999, "end": 22.475, "confidence": 0.9991804, "punctuated_word": "policies", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "mean", "start": 22.475, "end": 22.795, "confidence": 0.9988722, "punctuated_word": "mean", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 22.795, "end": 22.955, "confidence": 0.99948263, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "our", "start": 22.955, "end": 23.275, "confidence": 0.9997818, "punctuated_word": "our", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "daily", "start": 23.275, "end": 23.595, "confidence": 0.99976236, "punctuated_word": "daily", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "lives", "start": 23.595, "end": 24.095, "confidence": 0.9996253, "punctuated_word": "lives.", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "i'm", "start": 24.314999, "end": 24.635, "confidence": 0.99899733, "punctuated_word": "I'm", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "brian", "start": 24.635, "end": 24.875, "confidence": 0.9428699, "punctuated_word": "Brian", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "wasilowski", "start": 24.875, "end": 25.375, "confidence": 0.7982932, "punctuated_word": "Wasilowski,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 25.675, "end": 25.835, "confidence": 0.9997756, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "it's", "start": 25.835, "end": 26.075, "confidence": 0.99934316, "punctuated_word": "it's", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "time", "start": 26.075, "end": 26.395, "confidence": 0.9960747, "punctuated_word": "time", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 26.395, "end": 26.634998, "confidence": 0.9996008, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "talk", "start": 26.634998, "end": 26.955, "confidence": 0.9768162, "punctuated_word": "talk", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "tech", "start": 26.955, "end": 27.455, "confidence": 0.99621147, "punctuated_word": "tech.", "speaker": 2, "speaker_confidence": 1.0 } ], "speaker": 2, "id": "fae4ab1f-e605-434a-b41a-3aeaa6915b00" }, { "start": 27.915, "end": 30.575, "confidence": 0.9938408, "channel": 0, "transcript": "Today, we'll be talking about privacy and data.", "words": [ { "word": "today", "start": 27.915, "end": 28.314999, "confidence": 0.9551382, "punctuated_word": "Today,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "we'll", "start": 28.314999, "end": 28.474998, "confidence": 0.99840546, "punctuated_word": "we'll", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "be", "start": 28.474998, "end": 28.634998, "confidence": 0.9993006, "punctuated_word": "be", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "talking", "start": 28.634998, "end": 28.955, "confidence": 0.9997162, "punctuated_word": "talking", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "about", "start": 28.955, "end": 29.275, "confidence": 0.9997893, "punctuated_word": "about", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 29.275, "end": 29.775, "confidence": 0.99878377, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 29.835, "end": 30.075, "confidence": 0.99975294, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "data", "start": 30.075, "end": 30.575, "confidence": 0.99984014, "punctuated_word": "data.", "speaker": 2, "speaker_confidence": 1.0 } ], "speaker": 2, "id": "7c5f596e-0d3f-440e-bcef-77914853369e" }, { "start": 30.98, "end": 41.239998, "confidence": 0.99066955, "channel": 0, "transcript": "First we'll take a look at how states are filling the void when it comes to shaping pro privacy policies for internet users with the federal government failing to address privacy and in some cases", "words": [ { "word": "first", "start": 30.98, "end": 31.14, "confidence": 0.97504514, "punctuated_word": "First", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "we'll", "start": 31.14, "end": 31.3, "confidence": 0.9895226, "punctuated_word": "we'll", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "take", "start": 31.3, "end": 31.38, "confidence": 0.9994974, "punctuated_word": "take", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "a", "start": 31.38, "end": 31.619999, "confidence": 0.9995628, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "look", "start": 31.619999, "end": 31.779999, "confidence": 0.9998312, "punctuated_word": "look", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "at", "start": 31.779999, "end": 31.859999, "confidence": 0.99950826, "punctuated_word": "at", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "how", "start": 31.859999, "end": 32.1, "confidence": 0.99958724, "punctuated_word": "how", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "states", "start": 32.1, "end": 32.42, "confidence": 0.96211636, "punctuated_word": "states", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "are", "start": 32.42, "end": 32.579998, "confidence": 0.99903286, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "filling", "start": 32.579998, "end": 32.82, "confidence": 0.99863404, "punctuated_word": "filling", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 32.82, "end": 32.98, "confidence": 0.9993944, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "void", "start": 32.98, "end": 33.3, "confidence": 0.9990152, "punctuated_word": "void", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "when", "start": 33.3, "end": 33.46, "confidence": 0.99901485, "punctuated_word": "when", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "it", "start": 33.46, "end": 33.62, "confidence": 0.99943095, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "comes", "start": 33.62, "end": 33.78, "confidence": 0.9998518, "punctuated_word": "comes", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 33.78, "end": 34.02, "confidence": 0.99942136, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "shaping", "start": 34.02, "end": 34.52, "confidence": 0.99477035, "punctuated_word": "shaping", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "pro", "start": 34.579998, "end": 34.9, "confidence": 0.9475122, "punctuated_word": "pro", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 34.9, "end": 35.38, "confidence": 0.99591273, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "policies", "start": 35.38, "end": 35.86, "confidence": 0.9980254, "punctuated_word": "policies", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "for", "start": 35.86, "end": 36.1, "confidence": 0.9958235, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "internet", "start": 36.1, "end": 36.579998, "confidence": 0.9076862, "punctuated_word": "internet", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "users", "start": 36.579998, "end": 37.079998, "confidence": 0.9993612, "punctuated_word": "users", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "with", "start": 37.22, "end": 37.38, "confidence": 0.9838648, "punctuated_word": "with", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 37.38, "end": 37.54, "confidence": 0.9994943, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "federal", "start": 37.54, "end": 37.94, "confidence": 0.9521904, "punctuated_word": "federal", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "government", "start": 37.94, "end": 38.44, "confidence": 0.99956423, "punctuated_word": "government", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "failing", "start": 38.5, "end": 38.9, "confidence": 0.99678564, "punctuated_word": "failing", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 38.9, "end": 39.059998, "confidence": 0.9985423, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "address", "start": 39.059998, "end": 39.46, "confidence": 0.99880457, "punctuated_word": "address", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 39.46, "end": 39.96, "confidence": 0.9959979, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 40.18, "end": 40.34, "confidence": 0.99570554, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "in", "start": 40.34, "end": 40.5, "confidence": 0.9972025, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "some", "start": 40.5, "end": 40.739998, "confidence": 0.99852353, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "cases", "start": 40.739998, "end": 41.239998, "confidence": 0.9992021, "punctuated_word": "cases", "speaker": 2, "speaker_confidence": 1.0 } ], "speaker": 2, "id": "2d914de1-bdb5-4b69-a104-0c5bc79c4fa4" }, { "start": 41.62, "end": 43.815002, "confidence": 0.95153487, "channel": 0, "transcript": "eroding existing protections for consumers", "words": [ { "word": "eroding", "start": 41.62, "end": 42.02, "confidence": 0.98327255, "punctuated_word": "eroding", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "existing", "start": 42.02, "end": 42.5, "confidence": 0.99612755, "punctuated_word": "existing", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "protections", "start": 42.5, "end": 42.915, "confidence": 0.78572834, "punctuated_word": "protections", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "for", "start": 42.915, "end": 43.315002, "confidence": 0.994013, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "consumers", "start": 43.315002, "end": 43.815002, "confidence": 0.99853265, "punctuated_word": "consumers", "speaker": 2, "speaker_confidence": 1.0 } ], "speaker": 2, "id": "3254478a-6132-4636-b564-f96deb2add02" }, { "start": 44.355, "end": 49.415, "confidence": 0.93375564, "channel": 0, "transcript": "And then we'll shift our focus to a sector where data can improve our lives the financial sector", "words": [ { "word": "and", "start": 44.355, "end": 44.515, "confidence": 0.52190024, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "then", "start": 44.515, "end": 44.755, "confidence": 0.99842095, "punctuated_word": "then", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "we'll", "start": 44.755, "end": 44.915, "confidence": 0.98840535, "punctuated_word": "we'll", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "shift", "start": 44.915, "end": 45.155003, "confidence": 0.9989017, "punctuated_word": "shift", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "our", "start": 45.155003, "end": 45.315002, "confidence": 0.9987435, "punctuated_word": "our", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "focus", "start": 45.315002, "end": 45.555, "confidence": 0.9991026, "punctuated_word": "focus", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 45.555, "end": 45.715, "confidence": 0.994474, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "a", "start": 45.715, "end": 45.875, "confidence": 0.99725986, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "sector", "start": 45.875, "end": 46.115, "confidence": 0.9978846, "punctuated_word": "sector", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "where", "start": 46.115, "end": 46.435, "confidence": 0.99655664, "punctuated_word": "where", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "data", "start": 46.435, "end": 46.755, "confidence": 0.99467057, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "can", "start": 46.755, "end": 46.915, "confidence": 0.99607486, "punctuated_word": "can", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "improve", "start": 46.915, "end": 47.395, "confidence": 0.9973717, "punctuated_word": "improve", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "our", "start": 47.395, "end": 47.635002, "confidence": 0.9962972, "punctuated_word": "our", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "lives", "start": 47.635002, "end": 48.135002, "confidence": 0.99823654, "punctuated_word": "lives", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 48.275, "end": 48.435, "confidence": 0.34457093, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "financial", "start": 48.435, "end": 48.915, "confidence": 0.99183536, "punctuated_word": "financial", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "sector", "start": 48.915, "end": 49.415, "confidence": 0.9968951, "punctuated_word": "sector", "speaker": 2, "speaker_confidence": 1.0 } ], "speaker": 2, "id": "482d6aed-4132-4471-888e-11020a81f311" }, { "start": 49.955, "end": 63.199997, "confidence": 0.97493887, "channel": 0, "transcript": "We would all likely welcome some support in managing our finances But as fintech becomes more prevalent and new services pop up who ultimately has control of our financial data? Is it the banks, or is it us, the consumers?", "words": [ { "word": "we", "start": 49.955, "end": 50.115, "confidence": 0.8759935, "punctuated_word": "We", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "would", "start": 50.115, "end": 50.355, "confidence": 0.9970324, "punctuated_word": "would", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "all", "start": 50.355, "end": 50.595, "confidence": 0.9990097, "punctuated_word": "all", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "likely", "start": 50.595, "end": 50.995003, "confidence": 0.99643695, "punctuated_word": "likely", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "welcome", "start": 50.995003, "end": 51.475, "confidence": 0.9964902, "punctuated_word": "welcome", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "some", "start": 51.475, "end": 51.715, "confidence": 0.9974062, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "support", "start": 51.715, "end": 52.115, "confidence": 0.9985777, "punctuated_word": "support", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "in", "start": 52.115, "end": 52.355, "confidence": 0.9911602, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "managing", "start": 52.355, "end": 52.755, "confidence": 0.99884355, "punctuated_word": "managing", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "our", "start": 52.755, "end": 52.915, "confidence": 0.9991749, "punctuated_word": "our", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "finances", "start": 52.915, "end": 53.415, "confidence": 0.9962417, "punctuated_word": "finances", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "but", "start": 53.715, "end": 53.955, "confidence": 0.6594055, "punctuated_word": "But", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "as", "start": 53.955, "end": 54.195, "confidence": 0.9922391, "punctuated_word": "as", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "fintech", "start": 54.195, "end": 54.675, "confidence": 0.9111002, "punctuated_word": "fintech", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "becomes", "start": 54.675, "end": 55.075, "confidence": 0.9976828, "punctuated_word": "becomes", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "more", "start": 55.075, "end": 55.235, "confidence": 0.99940515, "punctuated_word": "more", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "prevalent", "start": 55.235, "end": 55.715, "confidence": 0.9987759, "punctuated_word": "prevalent", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 55.715, "end": 55.955, "confidence": 0.98545307, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "new", "start": 55.955, "end": 56.115, "confidence": 0.9989967, "punctuated_word": "new", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "services", "start": 56.115, "end": 56.615, "confidence": 0.9966949, "punctuated_word": "services", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "pop", "start": 56.675, "end": 56.915, "confidence": 0.9962041, "punctuated_word": "pop", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "up", "start": 56.915, "end": 57.415, "confidence": 0.9988199, "punctuated_word": "up", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "who", "start": 57.5, "end": 57.82, "confidence": 0.9992094, "punctuated_word": "who", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "ultimately", "start": 57.82, "end": 58.3, "confidence": 0.9991327, "punctuated_word": "ultimately", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "has", "start": 58.3, "end": 58.62, "confidence": 0.9982957, "punctuated_word": "has", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "control", "start": 58.62, "end": 59.019997, "confidence": 0.9990146, "punctuated_word": "control", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "of", "start": 59.019997, "end": 59.179996, "confidence": 0.99616194, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "our", "start": 59.179996, "end": 59.339996, "confidence": 0.99964845, "punctuated_word": "our", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "financial", "start": 59.339996, "end": 59.839996, "confidence": 0.999734, "punctuated_word": "financial", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "data", "start": 59.899998, "end": 60.399998, "confidence": 0.9943839, "punctuated_word": "data?", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "is", "start": 60.539997, "end": 60.78, "confidence": 0.99498594, "punctuated_word": "Is", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "it", "start": 60.78, "end": 60.94, "confidence": 0.99537474, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 60.94, "end": 61.1, "confidence": 0.9995585, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "banks", "start": 61.1, "end": 61.6, "confidence": 0.6797954, "punctuated_word": "banks,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "or", "start": 61.659996, "end": 61.899998, "confidence": 0.9985164, "punctuated_word": "or", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "is", "start": 61.899998, "end": 61.98, "confidence": 0.99899966, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "it", "start": 61.98, "end": 62.219997, "confidence": 0.99715304, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "us", "start": 62.219997, "end": 62.539997, "confidence": 0.9698864, "punctuated_word": "us,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 62.539997, "end": 62.699997, "confidence": 0.99840826, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "consumers", "start": 62.699997, "end": 63.199997, "confidence": 0.99814963, "punctuated_word": "consumers?", "speaker": 2, "speaker_confidence": 1.0 } ], "speaker": 2, "id": "fc41ce5a-224f-4f05-ba06-1e78c669dcf6" }, { "start": 68.54, "end": 74.685, "confidence": 0.95378083, "channel": 0, "transcript": "For privacy advocates, twenty seventeen certainly has not been a banner year when it comes to federal privacy legislation", "words": [ { "word": "for", "start": 68.54, "end": 68.78, "confidence": 0.57860637, "punctuated_word": "For", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "privacy", "start": 68.78, "end": 69.28, "confidence": 0.9996469, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "advocates", "start": 69.34, "end": 69.84, "confidence": 0.997825, "punctuated_word": "advocates,", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "twenty", "start": 70.06, "end": 70.38, "confidence": 0.99922025, "punctuated_word": "twenty", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "seventeen", "start": 70.38, "end": 70.88, "confidence": 0.99978274, "punctuated_word": "seventeen", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "certainly", "start": 70.939995, "end": 71.34, "confidence": 0.99556446, "punctuated_word": "certainly", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "has", "start": 71.34, "end": 71.58, "confidence": 0.99538714, "punctuated_word": "has", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "not", "start": 71.58, "end": 71.82, "confidence": 0.988405, "punctuated_word": "not", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "been", "start": 71.82, "end": 71.979996, "confidence": 0.9899989, "punctuated_word": "been", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "a", "start": 71.979996, "end": 72.06, "confidence": 0.9588577, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "banner", "start": 72.06, "end": 72.345, "confidence": 0.997703, "punctuated_word": "banner", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "year", "start": 72.425, "end": 72.745, "confidence": 0.9940625, "punctuated_word": "year", "speaker": 2, "speaker_confidence": 0.8126989 }, { "word": "when", "start": 72.745, "end": 72.785, "confidence": 0.9971956, "punctuated_word": "when", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "it", "start": 72.785, "end": 72.825005, "confidence": 0.99981695, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "comes", "start": 72.825005, "end": 73.065, "confidence": 0.9996136, "punctuated_word": "comes", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 73.065, "end": 73.385, "confidence": 0.99916816, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "federal", "start": 73.385, "end": 73.705, "confidence": 0.98716277, "punctuated_word": "federal", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 73.705, "end": 74.185, "confidence": 0.9977823, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "legislation", "start": 74.185, "end": 74.685, "confidence": 0.6460373, "punctuated_word": "legislation", "speaker": 2, "speaker_confidence": 1.0 } ], "speaker": 2, "id": "a6bd8fbd-9501-4ae6-a8f2-501339bf93d1" }, { "start": 75.225, "end": 77.405, "confidence": 0.94687206, "channel": 0, "transcript": "to protect consumers and Internet users.", "words": [ { "word": "to", "start": 75.225, "end": 75.385, "confidence": 0.99675024, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "protect", "start": 75.385, "end": 75.705, "confidence": 0.9995696, "punctuated_word": "protect", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "consumers", "start": 75.705, "end": 76.205, "confidence": 0.9995567, "punctuated_word": "consumers", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 76.265, "end": 76.505005, "confidence": 0.9993979, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "internet", "start": 76.505005, "end": 76.905, "confidence": 0.6868647, "punctuated_word": "Internet", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "users", "start": 76.905, "end": 77.405, "confidence": 0.9990932, "punctuated_word": "users.", "speaker": 2, "speaker_confidence": 1.0 } ], "speaker": 2, "id": "9122127d-05e6-4414-818c-1008649c21bb" }, { "start": 77.785, "end": 82.605, "confidence": 0.97945213, "channel": 0, "transcript": "There hasn't been much movement on pro privacy legislation. And when Congress and the administration", "words": [ { "word": "there", "start": 77.785, "end": 78.025, "confidence": 0.99949205, "punctuated_word": "There", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "hasn't", "start": 78.025, "end": 78.345, "confidence": 0.9994184, "punctuated_word": "hasn't", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "been", "start": 78.345, "end": 78.425, "confidence": 0.99966323, "punctuated_word": "been", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "much", "start": 78.425, "end": 78.665, "confidence": 0.99973303, "punctuated_word": "much", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "movement", "start": 78.665, "end": 79.065, "confidence": 0.99968946, "punctuated_word": "movement", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "on", "start": 79.065, "end": 79.305, "confidence": 0.9991768, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "pro", "start": 79.305, "end": 79.625, "confidence": 0.9981705, "punctuated_word": "pro", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 79.625, "end": 80.105, "confidence": 0.9916453, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "legislation", "start": 80.105, "end": 80.605, "confidence": 0.8583299, "punctuated_word": "legislation.", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 80.905, "end": 81.145004, "confidence": 0.99727386, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "when", "start": 81.145004, "end": 81.465004, "confidence": 0.9983234, "punctuated_word": "when", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "congress", "start": 81.465004, "end": 81.785, "confidence": 0.9066376, "punctuated_word": "Congress", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 81.785, "end": 81.945, "confidence": 0.999617, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 81.945, "end": 82.105, "confidence": 0.9977673, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "administration", "start": 82.105, "end": 82.605, "confidence": 0.9468452, "punctuated_word": "administration", "speaker": 2, "speaker_confidence": 1.0 } ], "speaker": 2, "id": "6d672863-5786-4276-94c7-13ea064e50da" }, { "start": 82.985, "end": 90.329994, "confidence": 0.9787665, "channel": 0, "transcript": "have acted, it wasn't good, as we saw with the use of the Congressional Review Act to eliminate the broadband privacy protections from the FCC.", "words": [ { "word": "have", "start": 82.985, "end": 83.225, "confidence": 0.99771583, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "acted", "start": 83.225, "end": 83.725, "confidence": 0.99718726, "punctuated_word": "acted,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "it", "start": 83.945, "end": 84.105, "confidence": 0.9984133, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "wasn't", "start": 84.105, "end": 84.425, "confidence": 0.9998176, "punctuated_word": "wasn't", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "good", "start": 84.425, "end": 84.745, "confidence": 0.76959586, "punctuated_word": "good,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "as", "start": 84.745, "end": 84.985, "confidence": 0.9989624, "punctuated_word": "as", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "we", "start": 84.985, "end": 85.065, "confidence": 0.9993036, "punctuated_word": "we", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "saw", "start": 85.065, "end": 85.305, "confidence": 0.9993155, "punctuated_word": "saw", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "with", "start": 85.305, "end": 85.465004, "confidence": 0.9982114, "punctuated_word": "with", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 85.465004, "end": 85.545, "confidence": 0.9981824, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "use", "start": 85.545, "end": 85.785, "confidence": 0.999198, "punctuated_word": "use", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "of", "start": 85.785, "end": 85.865, "confidence": 0.9990865, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 85.865, "end": 86.025, "confidence": 0.9960206, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "congressional", "start": 86.025, "end": 86.505005, "confidence": 0.9500198, "punctuated_word": "Congressional", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "review", "start": 86.505005, "end": 86.825, "confidence": 0.9940918, "punctuated_word": "Review", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "act", "start": 86.825, "end": 87.065, "confidence": 0.9865623, "punctuated_word": "Act", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 87.065, "end": 87.27, "confidence": 0.98295397, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "eliminate", "start": 87.43, "end": 87.75, "confidence": 0.98313034, "punctuated_word": "eliminate", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 87.75, "end": 87.909996, "confidence": 0.91354054, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "broadband", "start": 87.909996, "end": 88.409996, "confidence": 0.93942595, "punctuated_word": "broadband", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 88.46999, "end": 88.95, "confidence": 0.985239, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "protections", "start": 88.95, "end": 89.45, "confidence": 0.997698, "punctuated_word": "protections", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "from", "start": 89.509995, "end": 89.67, "confidence": 0.9960147, "punctuated_word": "from", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 89.67, "end": 89.829994, "confidence": 0.9917675, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "fcc", "start": 89.829994, "end": 90.329994, "confidence": 0.99770886, "punctuated_word": "FCC.", "speaker": 2, "speaker_confidence": 1.0 } ], "speaker": 2, "id": "92bdebc0-28a2-4760-9df5-02ecb0aae2a4" }, { "start": 91.27, "end": 98.25, "confidence": 0.99315095, "channel": 0, "transcript": "But with privacy being eroded or ignored on the federal level, a number of states are stepping up to protect the privacy of their residents.", "words": [ { "word": "but", "start": 91.27, "end": 91.509995, "confidence": 0.9839565, "punctuated_word": "But", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "with", "start": 91.509995, "end": 91.67, "confidence": 0.9905377, "punctuated_word": "with", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 91.67, "end": 92.17, "confidence": 0.99047524, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "being", "start": 92.229996, "end": 92.549995, "confidence": 0.99877685, "punctuated_word": "being", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "eroded", "start": 92.549995, "end": 93.049995, "confidence": 0.9992999, "punctuated_word": "eroded", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "or", "start": 93.10999, "end": 93.35, "confidence": 0.9720882, "punctuated_word": "or", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "ignored", "start": 93.35, "end": 93.75, "confidence": 0.9992994, "punctuated_word": "ignored", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "on", "start": 93.75, "end": 93.829994, "confidence": 0.9963666, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 93.829994, "end": 93.99, "confidence": 0.9973515, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "federal", "start": 93.99, "end": 94.31, "confidence": 0.97293067, "punctuated_word": "federal", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "level", "start": 94.31, "end": 94.71, "confidence": 0.9984458, "punctuated_word": "level,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "a", "start": 94.71, "end": 94.869995, "confidence": 0.99662495, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "number", "start": 94.869995, "end": 95.10999, "confidence": 0.9994444, "punctuated_word": "number", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "of", "start": 95.10999, "end": 95.189995, "confidence": 0.9987897, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "states", "start": 95.189995, "end": 95.59, "confidence": 0.9909518, "punctuated_word": "states", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "are", "start": 95.59, "end": 95.75, "confidence": 0.9984518, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "stepping", "start": 95.75, "end": 96.07, "confidence": 0.99940574, "punctuated_word": "stepping", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "up", "start": 96.07, "end": 96.229996, "confidence": 0.99780685, "punctuated_word": "up", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 96.229996, "end": 96.39, "confidence": 0.99836165, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "protect", "start": 96.39, "end": 96.71, "confidence": 0.996079, "punctuated_word": "protect", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "the", "start": 96.71, "end": 96.78999, "confidence": 0.99517655, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 96.78999, "end": 97.28999, "confidence": 0.9990226, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "of", "start": 97.35, "end": 97.509995, "confidence": 0.9981431, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "their", "start": 97.509995, "end": 97.75, "confidence": 0.9875689, "punctuated_word": "their", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "residents", "start": 97.75, "end": 98.25, "confidence": 0.9734191, "punctuated_word": "residents.", "speaker": 2, "speaker_confidence": 1.0 } ], "speaker": 2, "id": "c542adce-9f28-4747-aba6-41d01c4244b5" }, { "start": 98.78999, "end": 107.345, "confidence": 0.9599487, "channel": 0, "transcript": "CDT's data and privacy team has upped their state game accordingly. And two members of that talented team, Natasha Duarte and Vijay Kashau,", "words": [ { "word": "cdt's", "start": 98.78999, "end": 99.28999, "confidence": 0.8863959, "punctuated_word": "CDT's", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "data", "start": 99.42999, "end": 99.67, "confidence": 0.9653096, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 99.67, "end": 99.829994, "confidence": 0.9915707, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 99.829994, "end": 100.31, "confidence": 0.99692327, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "team", "start": 100.31, "end": 100.549995, "confidence": 0.9934883, "punctuated_word": "team", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "has", "start": 100.549995, "end": 100.78999, "confidence": 0.9890943, "punctuated_word": "has", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "upped", "start": 100.78999, "end": 101.11, "confidence": 0.98659533, "punctuated_word": "upped", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "their", "start": 101.11, "end": 101.35, "confidence": 0.98145723, "punctuated_word": "their", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "state", "start": 101.35, "end": 101.59, "confidence": 0.9843166, "punctuated_word": "state", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "game", "start": 101.59, "end": 102.045, "confidence": 0.9926571, "punctuated_word": "game", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "accordingly", "start": 102.205, "end": 102.705, "confidence": 0.7644101, "punctuated_word": "accordingly.", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 102.845, "end": 103.005, "confidence": 0.99574846, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "two", "start": 103.005, "end": 103.165, "confidence": 0.99686784, "punctuated_word": "two", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "members", "start": 103.165, "end": 103.485, "confidence": 0.9980044, "punctuated_word": "members", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "of", "start": 103.485, "end": 103.645, "confidence": 0.9989666, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "that", "start": 103.645, "end": 103.884995, "confidence": 0.99756527, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "talented", "start": 103.884995, "end": 104.384995, "confidence": 0.9982718, "punctuated_word": "talented", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "team", "start": 104.445, "end": 104.945, "confidence": 0.9872577, "punctuated_word": "team,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "natasha", "start": 105.085, "end": 105.485, "confidence": 0.948876, "punctuated_word": "Natasha", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "duarte", "start": 105.485, "end": 105.985, "confidence": 0.9972488, "punctuated_word": "Duarte", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 106.205, "end": 106.445, "confidence": 0.9748756, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "vijay", "start": 106.445, "end": 106.845, "confidence": 0.98943377, "punctuated_word": "Vijay", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "kashau", "start": 106.845, "end": 107.345, "confidence": 0.6634891, "punctuated_word": "Kashau,", "speaker": 2, "speaker_confidence": 1.0 } ], "speaker": 2, "id": "2c25badd-bb2f-4f12-b36c-c808909b190b" }, { "start": 107.805, "end": 117.67, "confidence": 0.9712584, "channel": 0, "transcript": "join us today to share some of what is happening. Welcome to Tech Talk, Natasha and Vijay. Thanks, Brian. Happy to be here. And Vijay, first time guest. That's wonderful. Thank you.", "words": [ { "word": "join", "start": 107.805, "end": 108.045, "confidence": 0.97441894, "punctuated_word": "join", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "us", "start": 108.045, "end": 108.205, "confidence": 0.9995671, "punctuated_word": "us", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "today", "start": 108.205, "end": 108.525, "confidence": 0.9989322, "punctuated_word": "today", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 108.525, "end": 108.685, "confidence": 0.9982003, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "share", "start": 108.685, "end": 108.924995, "confidence": 0.9983706, "punctuated_word": "share", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "some", "start": 108.924995, "end": 109.085, "confidence": 0.99893373, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "of", "start": 109.085, "end": 109.244995, "confidence": 0.9992773, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "what", "start": 109.244995, "end": 109.485, "confidence": 0.9995277, "punctuated_word": "what", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "is", "start": 109.485, "end": 109.805, "confidence": 0.9983883, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "happening", "start": 109.805, "end": 110.305, "confidence": 0.99941087, "punctuated_word": "happening.", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "welcome", "start": 110.604996, "end": 110.924995, "confidence": 0.9990883, "punctuated_word": "Welcome", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "to", "start": 110.924995, "end": 111.085, "confidence": 0.99877053, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "tech", "start": 111.085, "end": 111.325, "confidence": 0.89066786, "punctuated_word": "Tech", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "talk", "start": 111.325, "end": 111.564995, "confidence": 0.89456964, "punctuated_word": "Talk,", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "natasha", "start": 111.564995, "end": 111.965, "confidence": 0.9952252, "punctuated_word": "Natasha", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "and", "start": 111.965, "end": 112.205, "confidence": 0.9905558, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "vijay", "start": 112.205, "end": 112.705, "confidence": 0.99842805, "punctuated_word": "Vijay.", "speaker": 2, "speaker_confidence": 1.0 }, { "word": "thanks", "start": 112.845, "end": 113.165, "confidence": 0.98063993, "punctuated_word": "Thanks,", "speaker": 3, "speaker_confidence": 0.42010188 }, { "word": "brian", "start": 113.165, "end": 113.485, "confidence": 0.9129695, "punctuated_word": "Brian.", "speaker": 3, "speaker_confidence": 0.42010188 }, { "word": "happy", "start": 113.485, "end": 113.725, "confidence": 0.59651923, "punctuated_word": "Happy", "speaker": 0, "speaker_confidence": 0.18179166 }, { "word": "to", "start": 113.725, "end": 113.884995, "confidence": 0.9962256, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.18179166 }, { "word": "be", "start": 113.884995, "end": 113.965, "confidence": 0.99754626, "punctuated_word": "be", "speaker": 0, "speaker_confidence": 0.18179166 }, { "word": "here", "start": 113.965, "end": 114.21, "confidence": 0.99659777, "punctuated_word": "here.", "speaker": 0, "speaker_confidence": 0.18179166 }, { "word": "and", "start": 114.61, "end": 114.93, "confidence": 0.99101514, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "vijay", "start": 114.93, "end": 115.33, "confidence": 0.973417, "punctuated_word": "Vijay,", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "first", "start": 115.33, "end": 115.57, "confidence": 0.9833303, "punctuated_word": "first", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "time", "start": 115.57, "end": 115.81, "confidence": 0.999605, "punctuated_word": "time", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "guest", "start": 115.81, "end": 116.049995, "confidence": 0.9283351, "punctuated_word": "guest.", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "that's", "start": 116.049995, "end": 116.29, "confidence": 0.9993129, "punctuated_word": "That's", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "wonderful", "start": 116.29, "end": 116.79, "confidence": 0.99362886, "punctuated_word": "wonderful.", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "thank", "start": 116.85, "end": 117.17, "confidence": 0.999191, "punctuated_word": "Thank", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "you", "start": 117.17, "end": 117.67, "confidence": 0.9996023, "punctuated_word": "you.", "speaker": 2, "speaker_confidence": 0.7949536 } ], "speaker": 2, "id": "fffe270b-4cb1-4ee6-be7a-2ea90d34c4f8" }, { "start": 117.97, "end": 123.27, "confidence": 0.9659067, "channel": 0, "transcript": "So I touched on it a bit, but tell me why states are really jumping into privacy,", "words": [ { "word": "so", "start": 117.97, "end": 118.29, "confidence": 0.92190194, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "i", "start": 118.29, "end": 118.45, "confidence": 0.944542, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "touched", "start": 118.45, "end": 118.69, "confidence": 0.9322717, "punctuated_word": "touched", "speaker": 2, "speaker_confidence": 0.7949536 }, { "word": "on", "start": 118.69, "end": 118.77, "confidence": 0.99863005, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.40617335 }, { "word": "it", "start": 118.77, "end": 119.01, "confidence": 0.9959046, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.40617335 }, { "word": "a", "start": 119.01, "end": 119.09, "confidence": 0.9982905, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.40617335 }, { "word": "bit", "start": 119.09, "end": 119.49, "confidence": 0.83532715, "punctuated_word": "bit,", "speaker": 2, "speaker_confidence": 0.40617335 }, { "word": "but", "start": 119.81, "end": 120.13, "confidence": 0.998458, "punctuated_word": "but", "speaker": 2, "speaker_confidence": 0.40617335 }, { "word": "tell", "start": 120.13, "end": 120.29, "confidence": 0.99437934, "punctuated_word": "tell", "speaker": 2, "speaker_confidence": 0.40617335 }, { "word": "me", "start": 120.29, "end": 120.61, "confidence": 0.9987557, "punctuated_word": "me", "speaker": 2, "speaker_confidence": 0.40617335 }, { "word": "why", "start": 120.61, "end": 121.09, "confidence": 0.9896826, "punctuated_word": "why", "speaker": 2, "speaker_confidence": 0.8322933 }, { "word": "states", "start": 121.09, "end": 121.49, "confidence": 0.9925619, "punctuated_word": "states", "speaker": 2, "speaker_confidence": 0.8322933 }, { "word": "are", "start": 121.49, "end": 121.65, "confidence": 0.99971956, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.8322933 }, { "word": "really", "start": 121.65, "end": 122.13, "confidence": 0.998958, "punctuated_word": "really", "speaker": 2, "speaker_confidence": 0.8322933 }, { "word": "jumping", "start": 122.13, "end": 122.45, "confidence": 0.9997937, "punctuated_word": "jumping", "speaker": 2, "speaker_confidence": 0.8322933 }, { "word": "into", "start": 122.45, "end": 122.77, "confidence": 0.967971, "punctuated_word": "into", "speaker": 2, "speaker_confidence": 0.8322933 }, { "word": "privacy", "start": 122.77, "end": 123.27, "confidence": 0.853266, "punctuated_word": "privacy,", "speaker": 2, "speaker_confidence": 0.8322933 } ], "speaker": 2, "id": "3f57542d-aa61-4e3d-bcea-b7c9bd28e325" }, { "start": 124.53, "end": 125.27, "confidence": 0.93234324, "channel": 0, "transcript": "right now.", "words": [ { "word": "right", "start": 124.53, "end": 124.77, "confidence": 0.99978215, "punctuated_word": "right", "speaker": 2, "speaker_confidence": 0.8322933 }, { "word": "now", "start": 124.77, "end": 125.27, "confidence": 0.86490434, "punctuated_word": "now.", "speaker": 2, "speaker_confidence": 0.8322933 } ], "speaker": 2, "id": "d36d9c80-04c7-4240-81e2-1e250c4e239d" }, { "start": 127.09, "end": 127.59, "confidence": 0.96420884, "channel": 0, "transcript": "So", "words": [ { "word": "so", "start": 127.09, "end": 127.59, "confidence": 0.96420884, "punctuated_word": "So", "speaker": 3, "speaker_confidence": 0.9234501 } ], "speaker": 3, "id": "233b4173-6a1d-4e66-941a-4cd9652210d9" }, { "start": 128.155, "end": 128.815, "confidence": 0.9687974, "channel": 0, "transcript": "we sometimes,", "words": [ { "word": "we", "start": 128.155, "end": 128.315, "confidence": 0.9996691, "punctuated_word": "we", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "sometimes", "start": 128.315, "end": 128.815, "confidence": 0.9379257, "punctuated_word": "sometimes,", "speaker": 3, "speaker_confidence": 0.9234501 } ], "speaker": 3, "id": "5085016a-aca7-42e5-af66-08a8672f643e" }, { "start": 129.515, "end": 134.815, "confidence": 0.94737023, "channel": 0, "transcript": "see privacy as a bipartisan issue and it can be. But, recently with consumer privacy,", "words": [ { "word": "see", "start": 129.515, "end": 129.83499, "confidence": 0.99977964, "punctuated_word": "see", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "privacy", "start": 129.83499, "end": 130.33499, "confidence": 0.9995741, "punctuated_word": "privacy", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "as", "start": 130.47499, "end": 130.715, "confidence": 0.9994863, "punctuated_word": "as", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "a", "start": 130.715, "end": 130.875, "confidence": 0.9989675, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "bipartisan", "start": 130.875, "end": 131.375, "confidence": 0.99557173, "punctuated_word": "bipartisan", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "issue", "start": 131.515, "end": 131.83499, "confidence": 0.9975205, "punctuated_word": "issue", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "and", "start": 131.83499, "end": 132.075, "confidence": 0.7246906, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "it", "start": 132.075, "end": 132.235, "confidence": 0.99969494, "punctuated_word": "it", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "can", "start": 132.235, "end": 132.47499, "confidence": 0.9998827, "punctuated_word": "can", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "be", "start": 132.47499, "end": 132.635, "confidence": 0.8305967, "punctuated_word": "be.", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "but", "start": 132.635, "end": 133.035, "confidence": 0.96953785, "punctuated_word": "But,", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "recently", "start": 133.275, "end": 133.755, "confidence": 0.89112693, "punctuated_word": "recently", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "with", "start": 133.755, "end": 133.83499, "confidence": 0.84084445, "punctuated_word": "with", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "consumer", "start": 133.83499, "end": 134.315, "confidence": 0.997343, "punctuated_word": "consumer", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "privacy", "start": 134.315, "end": 134.815, "confidence": 0.96593636, "punctuated_word": "privacy,", "speaker": 3, "speaker_confidence": 0.9234501 } ], "speaker": 3, "id": "f11848eb-21f1-426c-957f-59cd2de81fcb" }, { "start": 135.515, "end": 136.39499, "confidence": 0.96658486, "channel": 0, "transcript": "it hasn't been,", "words": [ { "word": "it", "start": 135.515, "end": 135.675, "confidence": 0.9983038, "punctuated_word": "it", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "hasn't", "start": 135.675, "end": 135.995, "confidence": 0.9995867, "punctuated_word": "hasn't", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "been", "start": 135.995, "end": 136.39499, "confidence": 0.9018641, "punctuated_word": "been,", "speaker": 3, "speaker_confidence": 0.9234501 } ], "speaker": 3, "id": "de4b530e-b332-46e5-9965-8e2724667566" }, { "start": 136.875, "end": 139.515, "confidence": 0.9837816, "channel": 0, "transcript": "so much of a bipartisan issue. We've seen a lot of,", "words": [ { "word": "so", "start": 136.875, "end": 137.035, "confidence": 0.9991321, "punctuated_word": "so", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "much", "start": 137.035, "end": 137.19499, "confidence": 0.9997812, "punctuated_word": "much", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "of", "start": 137.19499, "end": 137.355, "confidence": 0.99739516, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.9234501 }, { "word": "a", "start": 137.355, "end": 137.435, "confidence": 0.9937803, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.5444244 }, { "word": "bipartisan", "start": 137.435, "end": 137.935, "confidence": 0.99960726, "punctuated_word": "bipartisan", "speaker": 3, "speaker_confidence": 0.5444244 }, { "word": "issue", "start": 138.075, "end": 138.315, "confidence": 0.9909073, "punctuated_word": "issue.", "speaker": 3, "speaker_confidence": 0.5444244 }, { "word": "we've", "start": 138.315, "end": 138.555, "confidence": 0.9981749, "punctuated_word": "We've", "speaker": 3, "speaker_confidence": 0.5444244 }, { "word": "seen", "start": 138.555, "end": 138.795, "confidence": 0.99834263, "punctuated_word": "seen", "speaker": 3, "speaker_confidence": 0.5444244 }, { "word": "a", "start": 138.795, "end": 138.875, "confidence": 0.9935894, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "lot", "start": 138.875, "end": 139.11499, "confidence": 0.994541, "punctuated_word": "lot", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "of", "start": 139.11499, "end": 139.515, "confidence": 0.8563461, "punctuated_word": "of,", "speaker": 3, "speaker_confidence": 0.80531186 } ], "speaker": 3, "id": "fceb13e1-088f-4d77-8cc4-8c227ad7024b" }, { "start": 140.235, "end": 140.735, "confidence": 0.88805234, "channel": 0, "transcript": "partisan,", "words": [ { "word": "partisan", "start": 140.235, "end": 140.735, "confidence": 0.88805234, "punctuated_word": "partisan,", "speaker": 3, "speaker_confidence": 0.80531186 } ], "speaker": 3, "id": "3ee80d06-cc1f-4fd9-96fa-cc9fc1840005" }, { "start": 141.915, "end": 145.19, "confidence": 0.92284334, "channel": 0, "transcript": "disagreement. And so there's been some gridlock on the federal level.", "words": [ { "word": "disagreement", "start": 141.915, "end": 142.415, "confidence": 0.71525383, "punctuated_word": "disagreement.", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "and", "start": 142.555, "end": 142.795, "confidence": 0.9961361, "punctuated_word": "And", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "so", "start": 142.795, "end": 142.955, "confidence": 0.9902609, "punctuated_word": "so", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "there's", "start": 142.955, "end": 143.275, "confidence": 0.9473096, "punctuated_word": "there's", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "been", "start": 143.275, "end": 143.435, "confidence": 0.973801, "punctuated_word": "been", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "some", "start": 143.435, "end": 143.73, "confidence": 0.9767761, "punctuated_word": "some", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "gridlock", "start": 143.73, "end": 144.05, "confidence": 0.98239213, "punctuated_word": "gridlock", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "on", "start": 144.05, "end": 144.13, "confidence": 0.99748296, "punctuated_word": "on", "speaker": 3, "speaker_confidence": 0.80531186 }, { "word": "the", "start": 144.13, "end": 144.20999, "confidence": 0.99802125, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "federal", "start": 144.20999, "end": 144.69, "confidence": 0.62096643, "punctuated_word": "federal", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "level", "start": 144.69, "end": 145.19, "confidence": 0.95287645, "punctuated_word": "level.", "speaker": 3, "speaker_confidence": 0.81879413 } ], "speaker": 3, "id": "9fdbc863-665f-492e-bd23-68849ebe3dad" }, { "start": 146.20999, "end": 146.70999, "confidence": 0.9921117, "channel": 0, "transcript": "And", "words": [ { "word": "and", "start": 146.20999, "end": 146.70999, "confidence": 0.9921117, "punctuated_word": "And", "speaker": 3, "speaker_confidence": 0.81879413 } ], "speaker": 3, "id": "922f4e9a-4392-45b2-8b5e-6026cc09d4d7" }, { "start": 147.09, "end": 147.59, "confidence": 0.9708288, "channel": 0, "transcript": "so", "words": [ { "word": "so", "start": 147.09, "end": 147.59, "confidence": 0.9708288, "punctuated_word": "so", "speaker": 3, "speaker_confidence": 0.81879413 } ], "speaker": 3, "id": "7f64c337-b325-46db-8d95-5e3409a97c9f" }, { "start": 147.89, "end": 151.43, "confidence": 0.990922, "channel": 0, "transcript": "we're also seeing that people actually really want privacy.", "words": [ { "word": "we're", "start": 147.89, "end": 148.12999, "confidence": 0.9625731, "punctuated_word": "we're", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "also", "start": 148.12999, "end": 148.45, "confidence": 0.9987048, "punctuated_word": "also", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "seeing", "start": 148.45, "end": 148.76999, "confidence": 0.99533504, "punctuated_word": "seeing", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "that", "start": 148.76999, "end": 149.26999, "confidence": 0.99852103, "punctuated_word": "that", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "people", "start": 149.40999, "end": 149.81, "confidence": 0.99442416, "punctuated_word": "people", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "actually", "start": 149.81, "end": 150.31, "confidence": 0.9912293, "punctuated_word": "actually", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "really", "start": 150.37, "end": 150.69, "confidence": 0.9859477, "punctuated_word": "really", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "want", "start": 150.69, "end": 150.93, "confidence": 0.9934608, "punctuated_word": "want", "speaker": 3, "speaker_confidence": 0.81879413 }, { "word": "privacy", "start": 150.93, "end": 151.43, "confidence": 0.99810225, "punctuated_word": "privacy.", "speaker": 3, "speaker_confidence": 0.81879413 } ], "speaker": 3, "id": "b9a3d3e4-5eeb-4faf-942f-e86768b61c77" }, { "start": 152.04999, "end": 152.54999, "confidence": 0.98130184, "channel": 0, "transcript": "What?", "words": [ { "word": "what", "start": 152.04999, "end": 152.54999, "confidence": 0.98130184, "punctuated_word": "What?", "speaker": 3, "speaker_confidence": 0.81879413 } ], "speaker": 3, "id": "fbc8998e-3976-45f6-b9a7-899ddd8472db" }, { "start": 154.37, "end": 155.51, "confidence": 0.9603202, "channel": 0, "transcript": "I know. It's crazy.", "words": [ { "word": "i", "start": 154.37, "end": 154.53, "confidence": 0.9958015, "punctuated_word": "I", "speaker": 3, "speaker_confidence": 0.3950938 }, { "word": "know", "start": 154.53, "end": 154.84999, "confidence": 0.85404694, "punctuated_word": "know.", "speaker": 3, "speaker_confidence": 0.3950938 }, { "word": "it's", "start": 154.84999, "end": 155.01, "confidence": 0.99568176, "punctuated_word": "It's", "speaker": 3, "speaker_confidence": 0.3950938 }, { "word": "crazy", "start": 155.01, "end": 155.51, "confidence": 0.9957504, "punctuated_word": "crazy.", "speaker": 3, "speaker_confidence": 0.3950938 } ], "speaker": 3, "id": "9e94d688-0281-456e-b826-12689a7d1b2a" }, { "start": 156.53, "end": 157.34999, "confidence": 0.9277135, "channel": 0, "transcript": "And so,", "words": [ { "word": "and", "start": 156.53, "end": 156.84999, "confidence": 0.9580571, "punctuated_word": "And", "speaker": 3, "speaker_confidence": 0.6227018 }, { "word": "so", "start": 156.84999, "end": 157.34999, "confidence": 0.89737, "punctuated_word": "so,", "speaker": 3, "speaker_confidence": 0.6227018 } ], "speaker": 3, "id": "4ab19536-d399-4727-bd96-b3fb4797b85a" }, { "start": 157.81, "end": 163.315, "confidence": 0.90094525, "channel": 0, "transcript": "states as they normally do, and there's an absence of action on the federal level, are stepping in,", "words": [ { "word": "states", "start": 157.81, "end": 158.31, "confidence": 0.74876684, "punctuated_word": "states", "speaker": 3, "speaker_confidence": 0.6227018 }, { "word": "as", "start": 158.45, "end": 158.61, "confidence": 0.6456042, "punctuated_word": "as", "speaker": 3, "speaker_confidence": 0.6227018 }, { "word": "they", "start": 158.61, "end": 159.11, "confidence": 0.8995135, "punctuated_word": "they", "speaker": 3, "speaker_confidence": 0.6227018 }, { "word": "normally", "start": 159.395, "end": 159.63501, "confidence": 0.9409902, "punctuated_word": "normally", "speaker": 3, "speaker_confidence": 0.6227018 }, { "word": "do", "start": 159.63501, "end": 159.715, "confidence": 0.70648026, "punctuated_word": "do,", "speaker": 3, "speaker_confidence": 0.6227018 }, { "word": "and", "start": 159.715, "end": 159.955, "confidence": 0.6375502, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "there's", "start": 159.955, "end": 160.27501, "confidence": 0.9504734, "punctuated_word": "there's", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "an", "start": 160.27501, "end": 160.515, "confidence": 0.99639904, "punctuated_word": "an", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "absence", "start": 160.515, "end": 160.91501, "confidence": 0.99855155, "punctuated_word": "absence", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "of", "start": 160.91501, "end": 161.155, "confidence": 0.99948347, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "action", "start": 161.155, "end": 161.475, "confidence": 0.9982135, "punctuated_word": "action", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "on", "start": 161.475, "end": 161.63501, "confidence": 0.9994041, "punctuated_word": "on", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "the", "start": 161.63501, "end": 161.795, "confidence": 0.99334174, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "federal", "start": 161.795, "end": 162.115, "confidence": 0.9793012, "punctuated_word": "federal", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "level", "start": 162.115, "end": 162.435, "confidence": 0.786511, "punctuated_word": "level,", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "are", "start": 162.435, "end": 162.595, "confidence": 0.976482, "punctuated_word": "are", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "stepping", "start": 162.595, "end": 162.995, "confidence": 0.9952361, "punctuated_word": "stepping", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "in", "start": 162.995, "end": 163.315, "confidence": 0.964712, "punctuated_word": "in,", "speaker": 3, "speaker_confidence": 0.8012301 } ], "speaker": 3, "id": "c85bb930-4f83-45de-bca4-78da4dace9b0" }, { "start": 163.875, "end": 166.375, "confidence": 0.9817837, "channel": 0, "transcript": "to try and give their residents privacy protections.", "words": [ { "word": "to", "start": 163.875, "end": 164.115, "confidence": 0.9986104, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "try", "start": 164.115, "end": 164.355, "confidence": 0.9978124, "punctuated_word": "try", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "and", "start": 164.355, "end": 164.435, "confidence": 0.99549156, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.8012301 }, { "word": "give", "start": 164.435, "end": 164.675, "confidence": 0.99465585, "punctuated_word": "give", "speaker": 3, "speaker_confidence": 0.59481174 }, { "word": "their", "start": 164.675, "end": 164.835, "confidence": 0.9953111, "punctuated_word": "their", "speaker": 3, "speaker_confidence": 0.59481174 }, { "word": "residents", "start": 164.835, "end": 165.335, "confidence": 0.8807864, "punctuated_word": "residents", "speaker": 3, "speaker_confidence": 0.59481174 }, { "word": "privacy", "start": 165.475, "end": 165.875, "confidence": 0.9979335, "punctuated_word": "privacy", "speaker": 3, "speaker_confidence": 0.59481174 }, { "word": "protections", "start": 165.875, "end": 166.375, "confidence": 0.9936686, "punctuated_word": "protections.", "speaker": 3, "speaker_confidence": 0.59481174 } ], "speaker": 3, "id": "8804de9d-8489-498c-a56c-bd910a17fa9e" }, { "start": 167.715, "end": 187.135, "confidence": 0.95416033, "channel": 0, "transcript": "Vijay, you had something to add to that? Yeah. So I'd say that, in in our experience with these state legislators, they're a little bit closer to the ground. And and as you mentioned, there's this strong popular sentiment in favor of privacy regulation right now. And because these senators, the state senators are generally more responsive to the needs of their constituents, they're actually taking action on it to fill in this void that you mentioned with the CRA.", "words": [ { "word": "vijay", "start": 167.715, "end": 168.035, "confidence": 0.9082046, "punctuated_word": "Vijay,", "speaker": 2, "speaker_confidence": 0.40597838 }, { "word": "you", "start": 168.035, "end": 168.195, "confidence": 0.98599666, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.40597838 }, { "word": "had", "start": 168.195, "end": 168.355, "confidence": 0.5101003, "punctuated_word": "had", "speaker": 2, "speaker_confidence": 0.40597838 }, { "word": "something", "start": 168.355, "end": 168.595, "confidence": 0.9977714, "punctuated_word": "something", "speaker": 2, "speaker_confidence": 0.40597838 }, { "word": "to", "start": 168.595, "end": 168.755, "confidence": 0.9703711, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.40597838 }, { "word": "add", "start": 168.755, "end": 168.91501, "confidence": 0.9978339, "punctuated_word": "add", "speaker": 2, "speaker_confidence": 0.40597838 }, { "word": "to", "start": 168.91501, "end": 169.075, "confidence": 0.99744, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.40597838 }, { "word": "that", "start": 169.075, "end": 169.395, "confidence": 0.9397689, "punctuated_word": "that?", "speaker": 2, "speaker_confidence": 0.40597838 }, { "word": "yeah", "start": 169.395, "end": 169.55501, "confidence": 0.80771244, "punctuated_word": "Yeah.", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "so", "start": 169.55501, "end": 169.715, "confidence": 0.9970583, "punctuated_word": "So", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "i'd", "start": 169.715, "end": 169.875, "confidence": 0.9937804, "punctuated_word": "I'd", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "say", "start": 169.875, "end": 170.035, "confidence": 0.9950552, "punctuated_word": "say", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "that", "start": 170.035, "end": 170.355, "confidence": 0.9846629, "punctuated_word": "that,", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "in", "start": 170.595, "end": 170.835, "confidence": 0.9988072, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "in", "start": 170.835, "end": 170.995, "confidence": 0.98530376, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "our", "start": 170.995, "end": 171.155, "confidence": 0.99946517, "punctuated_word": "our", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "experience", "start": 171.155, "end": 171.55501, "confidence": 0.9993174, "punctuated_word": "experience", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "with", "start": 171.55501, "end": 171.715, "confidence": 0.9969746, "punctuated_word": "with", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "these", "start": 171.715, "end": 171.875, "confidence": 0.7508572, "punctuated_word": "these", "speaker": 0, "speaker_confidence": 0.5424663 }, { "word": "state", "start": 171.875, "end": 172.195, "confidence": 0.9979322, "punctuated_word": "state", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "legislators", "start": 172.195, "end": 172.695, "confidence": 0.9911745, "punctuated_word": "legislators,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "they're", "start": 172.995, "end": 173.28, "confidence": 0.99423397, "punctuated_word": "they're", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 173.28, "end": 173.51683, "confidence": 0.7372957, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "little", "start": 173.51683, "end": 173.75365, "confidence": 0.9993831, "punctuated_word": "little", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "bit", "start": 173.75365, "end": 173.99048, "confidence": 0.9904627, "punctuated_word": "bit", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "closer", "start": 173.99048, "end": 174.22731, "confidence": 0.9980579, "punctuated_word": "closer", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 174.22731, "end": 174.46413, "confidence": 0.99690527, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 174.46413, "end": 174.70096, "confidence": 0.9964986, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "ground", "start": 174.70096, "end": 174.93779, "confidence": 0.7207187, "punctuated_word": "ground.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "and", "start": 174.93779, "end": 175.17462, "confidence": 0.9939976, "punctuated_word": "And", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "and", "start": 175.17462, "end": 175.41144, "confidence": 0.9296012, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "as", "start": 175.41144, "end": 175.64827, "confidence": 0.87204057, "punctuated_word": "as", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "you", "start": 175.64827, "end": 175.8851, "confidence": 0.99974626, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "mentioned", "start": 175.8851, "end": 176.12192, "confidence": 0.95508856, "punctuated_word": "mentioned,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "there's", "start": 176.12192, "end": 176.35875, "confidence": 0.99080926, "punctuated_word": "there's", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "this", "start": 176.35875, "end": 176.59558, "confidence": 0.8050842, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "strong", "start": 176.59558, "end": 176.8324, "confidence": 0.99936026, "punctuated_word": "strong", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "popular", "start": 176.8324, "end": 177.06923, "confidence": 0.99150145, "punctuated_word": "popular", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "sentiment", "start": 177.06923, "end": 177.30606, "confidence": 0.9990006, "punctuated_word": "sentiment", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "in", "start": 177.30606, "end": 177.54288, "confidence": 0.99895287, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "favor", "start": 177.54288, "end": 177.77971, "confidence": 0.99891055, "punctuated_word": "favor", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "of", "start": 177.77971, "end": 178.01654, "confidence": 0.9986571, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 178.01654, "end": 178.25337, "confidence": 0.9993024, "punctuated_word": "privacy", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "regulation", "start": 178.25337, "end": 178.49019, "confidence": 0.9993861, "punctuated_word": "regulation", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "right", "start": 178.49019, "end": 178.72702, "confidence": 0.99778134, "punctuated_word": "right", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "now", "start": 178.72702, "end": 178.96385, "confidence": 0.937438, "punctuated_word": "now.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "and", "start": 178.96385, "end": 179.20067, "confidence": 0.99796677, "punctuated_word": "And", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "because", "start": 179.20067, "end": 179.4375, "confidence": 0.9909339, "punctuated_word": "because", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "these", "start": 179.4375, "end": 179.67433, "confidence": 0.9577075, "punctuated_word": "these", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "senators", "start": 179.67433, "end": 179.91115, "confidence": 0.82417893, "punctuated_word": "senators,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 179.91115, "end": 180.14798, "confidence": 0.5383411, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "state", "start": 180.14798, "end": 180.38481, "confidence": 0.99519366, "punctuated_word": "state", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "senators", "start": 180.38481, "end": 180.62163, "confidence": 0.992546, "punctuated_word": "senators", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "are", "start": 180.62163, "end": 180.85846, "confidence": 0.57607895, "punctuated_word": "are", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "generally", "start": 180.85846, "end": 181.09529, "confidence": 0.99727494, "punctuated_word": "generally", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "more", "start": 181.09529, "end": 181.33212, "confidence": 0.9986217, "punctuated_word": "more", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "responsive", "start": 181.33212, "end": 181.56894, "confidence": 0.99943346, "punctuated_word": "responsive", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 181.56894, "end": 181.80577, "confidence": 0.9974336, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 181.80577, "end": 182.0426, "confidence": 0.98916596, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "needs", "start": 182.0426, "end": 182.27942, "confidence": 0.9985802, "punctuated_word": "needs", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "of", "start": 182.27942, "end": 182.51625, "confidence": 0.9972301, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "their", "start": 182.51625, "end": 182.75308, "confidence": 0.9985567, "punctuated_word": "their", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "constituents", "start": 182.75308, "end": 182.9899, "confidence": 0.966757, "punctuated_word": "constituents,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "they're", "start": 182.9899, "end": 183.22673, "confidence": 0.9956403, "punctuated_word": "they're", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "actually", "start": 183.22673, "end": 183.46356, "confidence": 0.99833715, "punctuated_word": "actually", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "taking", "start": 183.46356, "end": 183.70038, "confidence": 0.9982932, "punctuated_word": "taking", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "action", "start": 183.70038, "end": 183.93721, "confidence": 0.9993255, "punctuated_word": "action", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "on", "start": 183.93721, "end": 184.17404, "confidence": 0.9982761, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "it", "start": 184.17404, "end": 184.41087, "confidence": 0.9987388, "punctuated_word": "it", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 184.41087, "end": 184.64769, "confidence": 0.8742903, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "fill", "start": 184.64769, "end": 184.88452, "confidence": 0.99887973, "punctuated_word": "fill", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "in", "start": 184.88452, "end": 185.12135, "confidence": 0.9961966, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "this", "start": 185.12135, "end": 185.35817, "confidence": 0.9964438, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "void", "start": 185.35817, "end": 185.595, "confidence": 0.9684193, "punctuated_word": "void", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "that", "start": 185.675, "end": 185.835, "confidence": 0.998541, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "you", "start": 185.835, "end": 185.995, "confidence": 0.9992518, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "mentioned", "start": 185.995, "end": 186.315, "confidence": 0.9985661, "punctuated_word": "mentioned", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "with", "start": 186.315, "end": 186.475, "confidence": 0.9990414, "punctuated_word": "with", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 186.475, "end": 186.635, "confidence": 0.9996748, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "cra", "start": 186.635, "end": 187.135, "confidence": 0.9931091, "punctuated_word": "CRA.", "speaker": 0, "speaker_confidence": 1.0 } ], "speaker": 0, "id": "8fdd1055-c000-4681-8d79-32de51827784" }, { "start": 187.435, "end": 188.475, "confidence": 0.8665544, "channel": 0, "transcript": "Yeah. No. There was some,", "words": [ { "word": "yeah", "start": 187.435, "end": 187.675, "confidence": 0.99181116, "punctuated_word": "Yeah.", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "no", "start": 187.675, "end": 187.91501, "confidence": 0.8496011, "punctuated_word": "No.", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "there", "start": 187.91501, "end": 188.075, "confidence": 0.9882451, "punctuated_word": "There", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "was", "start": 188.075, "end": 188.235, "confidence": 0.52493733, "punctuated_word": "was", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "some", "start": 188.235, "end": 188.475, "confidence": 0.97817683, "punctuated_word": "some,", "speaker": 2, "speaker_confidence": 0.791988 } ], "speaker": 2, "id": "538bc416-7e46-4187-b90e-ae9a932ce7b0" }, { "start": 189.035, "end": 194.895, "confidence": 0.98940116, "channel": 0, "transcript": "really amazing headlines that came after, the broadband privacy rules were rolled back that I'm guessing a lot of,", "words": [ { "word": "really", "start": 189.035, "end": 189.355, "confidence": 0.99927694, "punctuated_word": "really", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "amazing", "start": 189.355, "end": 189.755, "confidence": 0.9998636, "punctuated_word": "amazing", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "headlines", "start": 189.755, "end": 190.235, "confidence": 0.99956805, "punctuated_word": "headlines", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "that", "start": 190.235, "end": 190.395, "confidence": 0.99923456, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "came", "start": 190.395, "end": 190.635, "confidence": 0.99991214, "punctuated_word": "came", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "after", "start": 190.635, "end": 190.955, "confidence": 0.9818374, "punctuated_word": "after,", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "the", "start": 191.195, "end": 191.355, "confidence": 0.9984666, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "broadband", "start": 191.355, "end": 191.855, "confidence": 0.9870532, "punctuated_word": "broadband", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "privacy", "start": 191.91501, "end": 192.395, "confidence": 0.9996728, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "rules", "start": 192.395, "end": 192.635, "confidence": 0.99969316, "punctuated_word": "rules", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "were", "start": 192.635, "end": 192.875, "confidence": 0.9946314, "punctuated_word": "were", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "rolled", "start": 192.875, "end": 193.115, "confidence": 0.9997974, "punctuated_word": "rolled", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "back", "start": 193.115, "end": 193.355, "confidence": 0.9998449, "punctuated_word": "back", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "that", "start": 193.355, "end": 193.515, "confidence": 0.89296967, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "i'm", "start": 193.515, "end": 193.675, "confidence": 0.991434, "punctuated_word": "I'm", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "guessing", "start": 193.675, "end": 193.995, "confidence": 0.9997913, "punctuated_word": "guessing", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "a", "start": 193.995, "end": 194.155, "confidence": 0.9942391, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "lot", "start": 194.155, "end": 194.395, "confidence": 0.99992836, "punctuated_word": "lot", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "of", "start": 194.395, "end": 194.895, "confidence": 0.96140933, "punctuated_word": "of,", "speaker": 2, "speaker_confidence": 0.791988 } ], "speaker": 2, "id": "ab289d26-8988-477d-96c6-caf6502d569c" }, { "start": 196.235, "end": 201.06, "confidence": 0.8752045, "channel": 0, "transcript": "federal level folks did not really anticipate. So I'm not surprising perhaps that the state,", "words": [ { "word": "federal", "start": 196.235, "end": 196.635, "confidence": 0.99624324, "punctuated_word": "federal", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "level", "start": 196.635, "end": 197.035, "confidence": 0.9994703, "punctuated_word": "level", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "folks", "start": 197.035, "end": 197.355, "confidence": 0.9983878, "punctuated_word": "folks", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "did", "start": 197.355, "end": 197.595, "confidence": 0.9984787, "punctuated_word": "did", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "not", "start": 197.595, "end": 197.755, "confidence": 0.99994195, "punctuated_word": "not", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "really", "start": 197.755, "end": 198.075, "confidence": 0.999853, "punctuated_word": "really", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "anticipate", "start": 198.075, "end": 198.575, "confidence": 0.9094668, "punctuated_word": "anticipate.", "speaker": 2, "speaker_confidence": 0.791988 }, { "word": "so", "start": 198.635, "end": 198.955, "confidence": 0.9962973, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "i'm", "start": 198.955, "end": 199.035, "confidence": 0.8001441, "punctuated_word": "I'm", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "not", "start": 199.035, "end": 199.275, "confidence": 0.99956363, "punctuated_word": "not", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "surprising", "start": 199.275, "end": 199.755, "confidence": 0.94142586, "punctuated_word": "surprising", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "perhaps", "start": 199.755, "end": 200.155, "confidence": 0.5902144, "punctuated_word": "perhaps", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "that", "start": 200.155, "end": 200.475, "confidence": 0.30824366, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "the", "start": 200.475, "end": 200.715, "confidence": 0.94330835, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "state", "start": 200.715, "end": 201.06, "confidence": 0.64702886, "punctuated_word": "state,", "speaker": 2, "speaker_confidence": 0.90454614 } ], "speaker": 2, "id": "968d17db-c5b1-4837-9840-2c9362818907" }, { "start": 202.02, "end": 209.95999, "confidence": 0.97840255, "channel": 0, "transcript": "state legislators are picking them up. But there's definitely pros and cons to this. Right? You know, acting on the state level. What are some of the pros? What are the cons on this?", "words": [ { "word": "state", "start": 202.02, "end": 202.26, "confidence": 0.9961932, "punctuated_word": "state", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "legislators", "start": 202.26, "end": 202.76, "confidence": 0.99399346, "punctuated_word": "legislators", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "are", "start": 202.81999, "end": 202.9, "confidence": 0.9986732, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "picking", "start": 202.9, "end": 203.22, "confidence": 0.9997669, "punctuated_word": "picking", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "them", "start": 203.22, "end": 203.3, "confidence": 0.7751998, "punctuated_word": "them", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "up", "start": 203.3, "end": 203.62, "confidence": 0.9252679, "punctuated_word": "up.", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "but", "start": 203.62, "end": 203.78, "confidence": 0.99893767, "punctuated_word": "But", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "there's", "start": 203.78, "end": 204.02, "confidence": 0.99610436, "punctuated_word": "there's", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "definitely", "start": 204.02, "end": 204.26, "confidence": 0.9900169, "punctuated_word": "definitely", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "pros", "start": 204.26, "end": 204.5, "confidence": 0.99671656, "punctuated_word": "pros", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "and", "start": 204.5, "end": 204.66, "confidence": 0.9994924, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "cons", "start": 204.66, "end": 204.98, "confidence": 0.9998497, "punctuated_word": "cons", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "to", "start": 204.98, "end": 205.14, "confidence": 0.97526884, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "this", "start": 205.14, "end": 205.38, "confidence": 0.93899417, "punctuated_word": "this.", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "right", "start": 205.38, "end": 205.62, "confidence": 0.9951956, "punctuated_word": "Right?", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "you", "start": 205.62, "end": 205.86, "confidence": 0.99838805, "punctuated_word": "You", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "know", "start": 205.86, "end": 206.18, "confidence": 0.96815723, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "acting", "start": 206.18, "end": 206.58, "confidence": 0.99881434, "punctuated_word": "acting", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "on", "start": 206.58, "end": 206.73999, "confidence": 0.9990645, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "the", "start": 206.73999, "end": 206.9, "confidence": 0.99737644, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "state", "start": 206.9, "end": 207.14, "confidence": 0.9994141, "punctuated_word": "state", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "level", "start": 207.14, "end": 207.45999, "confidence": 0.8096657, "punctuated_word": "level.", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "what", "start": 207.45999, "end": 207.62, "confidence": 0.99912244, "punctuated_word": "What", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "are", "start": 207.62, "end": 207.78, "confidence": 0.99954575, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "some", "start": 207.78, "end": 207.94, "confidence": 0.99819916, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "of", "start": 207.94, "end": 208.09999, "confidence": 0.9985582, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "the", "start": 208.09999, "end": 208.18, "confidence": 0.9990277, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "pros", "start": 208.18, "end": 208.58, "confidence": 0.95128053, "punctuated_word": "pros?", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "what", "start": 208.58, "end": 208.73999, "confidence": 0.9981018, "punctuated_word": "What", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "are", "start": 208.73999, "end": 208.81999, "confidence": 0.99734336, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.90454614 }, { "word": "the", "start": 208.81999, "end": 209.06, "confidence": 0.99277335, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.42006087 }, { "word": "cons", "start": 209.06, "end": 209.3, "confidence": 0.997138, "punctuated_word": "cons", "speaker": 2, "speaker_confidence": 0.42006087 }, { "word": "on", "start": 209.3, "end": 209.45999, "confidence": 0.99256825, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.42006087 }, { "word": "this", "start": 209.45999, "end": 209.95999, "confidence": 0.991478, "punctuated_word": "this?", "speaker": 2, "speaker_confidence": 0.42006087 } ], "speaker": 2, "id": "7d0b9911-34e2-45b2-8b86-d946d02d560d" }, { "start": 211.14, "end": 213.22, "confidence": 0.95918566, "channel": 0, "transcript": "Yeah. So so one pro is that,", "words": [ { "word": "yeah", "start": 211.14, "end": 211.45999, "confidence": 0.8204575, "punctuated_word": "Yeah.", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "so", "start": 211.45999, "end": 211.86, "confidence": 0.99203193, "punctuated_word": "So", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "so", "start": 211.86, "end": 212.09999, "confidence": 0.98052096, "punctuated_word": "so", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "one", "start": 212.09999, "end": 212.42, "confidence": 0.9898663, "punctuated_word": "one", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "pro", "start": 212.42, "end": 212.73999, "confidence": 0.99690527, "punctuated_word": "pro", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "is", "start": 212.73999, "end": 212.9, "confidence": 0.988076, "punctuated_word": "is", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "that", "start": 212.9, "end": 213.22, "confidence": 0.9464421, "punctuated_word": "that,", "speaker": 3, "speaker_confidence": 0.7973473 } ], "speaker": 3, "id": "388ebc9c-cb2c-43da-a1cd-c6e7019fd7c2" }, { "start": 213.7, "end": 214.785, "confidence": 0.8498168, "channel": 0, "transcript": "states can sometimes", "words": [ { "word": "states", "start": 213.7, "end": 214.2, "confidence": 0.97719336, "punctuated_word": "states", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "can", "start": 214.26, "end": 214.58, "confidence": 0.90210205, "punctuated_word": "can", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "sometimes", "start": 214.58, "end": 214.785, "confidence": 0.6701549, "punctuated_word": "sometimes", "speaker": 3, "speaker_confidence": 0.7973473 } ], "speaker": 3, "id": "bac21e06-5bda-486a-b0f6-647f2bae00cd" }, { "start": 215.74501, "end": 222.80501, "confidence": 0.8246207, "channel": 0, "transcript": "sometimes act a little more, quickly. Things tend to happen more quickly, on the state level, and so they can respond more quickly to,", "words": [ { "word": "sometimes", "start": 215.74501, "end": 215.985, "confidence": 0.58094215, "punctuated_word": "sometimes", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "act", "start": 215.985, "end": 216.38501, "confidence": 0.8565155, "punctuated_word": "act", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "a", "start": 216.38501, "end": 216.545, "confidence": 0.80584556, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "little", "start": 216.545, "end": 216.625, "confidence": 0.8492971, "punctuated_word": "little", "speaker": 3, "speaker_confidence": 0.7973473 }, { "word": "more", "start": 216.625, "end": 216.705, "confidence": 0.86114144, "punctuated_word": "more,", "speaker": 3, "speaker_confidence": 0.73102665 }, { "word": "quickly", "start": 217.265, "end": 217.425, "confidence": 0.7110628, "punctuated_word": "quickly.", "speaker": 3, "speaker_confidence": 0.73102665 }, { "word": "things", "start": 217.425, "end": 217.585, "confidence": 0.7802378, "punctuated_word": "Things", "speaker": 3, "speaker_confidence": 0.73102665 }, { "word": "tend", "start": 217.585, "end": 217.745, "confidence": 0.8060928, "punctuated_word": "tend", "speaker": 3, "speaker_confidence": 0.73102665 }, { "word": "to", "start": 217.745, "end": 217.905, "confidence": 0.8994452, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.73102665 }, { "word": "happen", "start": 217.905, "end": 218.065, "confidence": 0.7127323, "punctuated_word": "happen", "speaker": 3, "speaker_confidence": 0.73102665 }, { "word": "more", "start": 218.065, "end": 218.465, "confidence": 0.7886834, "punctuated_word": "more", "speaker": 3, "speaker_confidence": 0.73102665 }, { "word": "quickly", "start": 218.465, "end": 218.865, "confidence": 0.8619306, "punctuated_word": "quickly,", "speaker": 3, "speaker_confidence": 0.73102665 }, { "word": "on", "start": 218.905, "end": 218.945, "confidence": 0.85707825, "punctuated_word": "on", "speaker": 3, "speaker_confidence": 0.73102665 }, { "word": "the", "start": 218.945, "end": 219.445, "confidence": 0.7634876, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.58932614 }, { "word": "state", "start": 219.585, "end": 219.845, "confidence": 0.87265676, "punctuated_word": "state", "speaker": 3, "speaker_confidence": 0.58932614 }, { "word": "level", "start": 219.845, "end": 220.10501, "confidence": 0.7286837, "punctuated_word": "level,", "speaker": 3, "speaker_confidence": 0.58932614 }, { "word": "and", "start": 220.365, "end": 220.625, "confidence": 0.8837696, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.58932614 }, { "word": "so", "start": 220.625, "end": 220.705, "confidence": 0.8297894, "punctuated_word": "so", "speaker": 3, "speaker_confidence": 0.58932614 }, { "word": "they", "start": 220.705, "end": 220.865, "confidence": 0.89870155, "punctuated_word": "they", "speaker": 3, "speaker_confidence": 0.58932614 }, { "word": "can", "start": 220.865, "end": 220.945, "confidence": 0.9442656, "punctuated_word": "can", "speaker": 3, "speaker_confidence": 0.58932614 }, { "word": "respond", "start": 220.945, "end": 221.425, "confidence": 0.8016001, "punctuated_word": "respond", "speaker": 3, "speaker_confidence": 0.720179 }, { "word": "more", "start": 221.425, "end": 221.925, "confidence": 0.83382237, "punctuated_word": "more", "speaker": 3, "speaker_confidence": 0.720179 }, { "word": "quickly", "start": 221.985, "end": 222.30501, "confidence": 0.9470618, "punctuated_word": "quickly", "speaker": 3, "speaker_confidence": 0.720179 }, { "word": "to", "start": 222.30501, "end": 222.80501, "confidence": 0.91605353, "punctuated_word": "to,", "speaker": 3, "speaker_confidence": 0.720179 } ], "speaker": 3, "id": "f4cc3693-7495-4496-90be-6c27e5c7330d" }, { "start": 224.065, "end": 228.88501, "confidence": 0.9538202, "channel": 0, "transcript": "what, their constituents are are telling them and and what, privacy protections", "words": [ { "word": "what", "start": 224.065, "end": 224.465, "confidence": 0.9569622, "punctuated_word": "what,", "speaker": 3, "speaker_confidence": 0.720179 }, { "word": "their", "start": 224.625, "end": 224.865, "confidence": 0.98322165, "punctuated_word": "their", "speaker": 3, "speaker_confidence": 0.720179 }, { "word": "constituents", "start": 224.865, "end": 225.365, "confidence": 0.98217046, "punctuated_word": "constituents", "speaker": 3, "speaker_confidence": 0.720179 }, { "word": "are", "start": 225.425, "end": 225.905, "confidence": 0.9671336, "punctuated_word": "are", "speaker": 3, "speaker_confidence": 0.720179 }, { "word": "are", "start": 225.905, "end": 225.985, "confidence": 0.8436941, "punctuated_word": "are", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "telling", "start": 225.985, "end": 226.30501, "confidence": 0.9765138, "punctuated_word": "telling", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "them", "start": 226.30501, "end": 226.625, "confidence": 0.98139554, "punctuated_word": "them", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "and", "start": 226.625, "end": 226.785, "confidence": 0.90599006, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "and", "start": 226.785, "end": 227.10501, "confidence": 0.92702156, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "what", "start": 227.10501, "end": 227.505, "confidence": 0.9412234, "punctuated_word": "what,", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "privacy", "start": 227.825, "end": 228.325, "confidence": 0.9917979, "punctuated_word": "privacy", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "protections", "start": 228.38501, "end": 228.88501, "confidence": 0.9887184, "punctuated_word": "protections", "speaker": 3, "speaker_confidence": 0.8207647 } ], "speaker": 3, "id": "fb27eda3-e1ab-4316-8e6a-397398e645b9" }, { "start": 229.425, "end": 229.77, "confidence": 0.90241605, "channel": 0, "transcript": "are needed.", "words": [ { "word": "are", "start": 229.425, "end": 229.585, "confidence": 0.8978964, "punctuated_word": "are", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "needed", "start": 229.585, "end": 229.77, "confidence": 0.9069357, "punctuated_word": "needed.", "speaker": 3, "speaker_confidence": 0.8207647 } ], "speaker": 3, "id": "1eefe727-69ad-4185-b137-a000c355dea0" }, { "start": 230.81, "end": 233.31, "confidence": 0.897064, "channel": 0, "transcript": "Needed. And they can also, sometimes", "words": [ { "word": "needed", "start": 230.81, "end": 231.17, "confidence": 0.8058026, "punctuated_word": "Needed.", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "and", "start": 231.53, "end": 231.61, "confidence": 0.8020815, "punctuated_word": "And", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "they", "start": 231.61, "end": 231.85, "confidence": 0.9434401, "punctuated_word": "they", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "can", "start": 231.85, "end": 232.01001, "confidence": 0.96571064, "punctuated_word": "can", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "also", "start": 232.01001, "end": 232.41, "confidence": 0.9306321, "punctuated_word": "also,", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "sometimes", "start": 232.81, "end": 233.31, "confidence": 0.93471664, "punctuated_word": "sometimes", "speaker": 3, "speaker_confidence": 0.8207647 } ], "speaker": 3, "id": "c96f1458-ed68-4753-9118-f4cb01ed87fa" }, { "start": 233.85, "end": 238.11, "confidence": 0.8526829, "channel": 0, "transcript": "set, they can experiment a little more and and set a a higher standard for privacy,", "words": [ { "word": "set", "start": 233.85, "end": 234.09, "confidence": 0.88766325, "punctuated_word": "set,", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "they", "start": 234.33, "end": 234.41, "confidence": 0.89816743, "punctuated_word": "they", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "can", "start": 234.41, "end": 234.81, "confidence": 0.90851855, "punctuated_word": "can", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "experiment", "start": 234.81, "end": 235.29001, "confidence": 0.77708095, "punctuated_word": "experiment", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "a", "start": 235.29001, "end": 235.37001, "confidence": 0.9086335, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "little", "start": 235.37001, "end": 235.45001, "confidence": 0.86185765, "punctuated_word": "little", "speaker": 3, "speaker_confidence": 0.8207647 }, { "word": "more", "start": 235.45001, "end": 235.53, "confidence": 0.8950289, "punctuated_word": "more", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "and", "start": 235.53, "end": 235.69, "confidence": 0.84366745, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "and", "start": 235.69, "end": 236.01001, "confidence": 0.7867938, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "set", "start": 236.01001, "end": 236.25, "confidence": 0.9332296, "punctuated_word": "set", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "a", "start": 236.25, "end": 236.65001, "confidence": 0.82430464, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "a", "start": 236.65001, "end": 236.73001, "confidence": 0.5524168, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "higher", "start": 236.73001, "end": 236.97, "confidence": 0.8668652, "punctuated_word": "higher", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "standard", "start": 236.97, "end": 237.29001, "confidence": 0.95248115, "punctuated_word": "standard", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "for", "start": 237.29001, "end": 237.61, "confidence": 0.92505234, "punctuated_word": "for", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "privacy", "start": 237.61, "end": 238.11, "confidence": 0.82116383, "punctuated_word": "privacy,", "speaker": 3, "speaker_confidence": 0.78835 } ], "speaker": 3, "id": "3b1d448c-0026-471a-9cf8-a7f54dbbcb76" }, { "start": 238.97, "end": 245.275, "confidence": 0.95653576, "channel": 0, "transcript": "than we've had on the on the federal level and we haven't had, you know, really strong privacy rules on the federal level.", "words": [ { "word": "than", "start": 238.97, "end": 239.13, "confidence": 0.8687464, "punctuated_word": "than", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "we've", "start": 239.13, "end": 239.37001, "confidence": 0.98611057, "punctuated_word": "we've", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "had", "start": 239.37001, "end": 239.53, "confidence": 0.9787077, "punctuated_word": "had", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "on", "start": 239.53, "end": 239.69, "confidence": 0.9822249, "punctuated_word": "on", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "the", "start": 239.69, "end": 239.85, "confidence": 0.95273113, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "on", "start": 239.85, "end": 239.93001, "confidence": 0.9804827, "punctuated_word": "on", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "the", "start": 239.93001, "end": 240.09, "confidence": 0.98172003, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "federal", "start": 240.09, "end": 240.41, "confidence": 0.9271145, "punctuated_word": "federal", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "level", "start": 240.41, "end": 240.65001, "confidence": 0.96723104, "punctuated_word": "level", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "and", "start": 240.65001, "end": 240.81, "confidence": 0.4588105, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "we", "start": 240.81, "end": 240.97, "confidence": 0.9838162, "punctuated_word": "we", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "haven't", "start": 240.97, "end": 241.29001, "confidence": 0.9985988, "punctuated_word": "haven't", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "had", "start": 241.29001, "end": 241.77, "confidence": 0.99312055, "punctuated_word": "had,", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "you", "start": 241.77, "end": 242.01001, "confidence": 0.9959532, "punctuated_word": "you", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "know", "start": 242.01001, "end": 242.295, "confidence": 0.9974766, "punctuated_word": "know,", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "really", "start": 242.375, "end": 242.775, "confidence": 0.99810046, "punctuated_word": "really", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "strong", "start": 242.775, "end": 243.275, "confidence": 0.99963534, "punctuated_word": "strong", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "privacy", "start": 243.33499, "end": 243.83499, "confidence": 0.9991448, "punctuated_word": "privacy", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "rules", "start": 243.895, "end": 244.135, "confidence": 0.9992918, "punctuated_word": "rules", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "on", "start": 244.135, "end": 244.295, "confidence": 0.99941134, "punctuated_word": "on", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "the", "start": 244.295, "end": 244.455, "confidence": 0.99742186, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "federal", "start": 244.455, "end": 244.775, "confidence": 0.9902074, "punctuated_word": "federal", "speaker": 3, "speaker_confidence": 0.78835 }, { "word": "level", "start": 244.775, "end": 245.275, "confidence": 0.96426386, "punctuated_word": "level.", "speaker": 3, "speaker_confidence": 0.78835 } ], "speaker": 3, "id": "df271fa9-50c0-440a-aae0-664c44a5d4e1" }, { "start": 248.135, "end": 248.875, "confidence": 0.95044917, "channel": 0, "transcript": "Ever. Yeah.", "words": [ { "word": "ever", "start": 248.135, "end": 248.375, "confidence": 0.95799947, "punctuated_word": "Ever.", "speaker": 3, "speaker_confidence": 0.50017905 }, { "word": "yeah", "start": 248.375, "end": 248.875, "confidence": 0.94289887, "punctuated_word": "Yeah.", "speaker": 3, "speaker_confidence": 0.50017905 } ], "speaker": 3, "id": "08b7f430-f4ec-413a-851b-dae6c13cf9f5" }, { "start": 250.215, "end": 250.61499, "confidence": 0.81660557, "channel": 0, "transcript": "And,", "words": [ { "word": "and", "start": 250.215, "end": 250.61499, "confidence": 0.81660557, "punctuated_word": "And,", "speaker": 3, "speaker_confidence": 0.50017905 } ], "speaker": 3, "id": "b23eb7d2-9a4e-46db-baea-734c20f2461c" }, { "start": 251.095, "end": 252.395, "confidence": 0.9496174, "channel": 0, "transcript": "some of the cons obviously,", "words": [ { "word": "some", "start": 251.095, "end": 251.255, "confidence": 0.99817455, "punctuated_word": "some", "speaker": 3, "speaker_confidence": 0.67132324 }, { "word": "of", "start": 251.255, "end": 251.415, "confidence": 0.99628276, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.67132324 }, { "word": "the", "start": 251.415, "end": 251.575, "confidence": 0.99882966, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.67132324 }, { "word": "cons", "start": 251.575, "end": 251.895, "confidence": 0.9954971, "punctuated_word": "cons", "speaker": 3, "speaker_confidence": 0.67132324 }, { "word": "obviously", "start": 251.895, "end": 252.395, "confidence": 0.7593029, "punctuated_word": "obviously,", "speaker": 3, "speaker_confidence": 0.67132324 } ], "speaker": 3, "id": "11db05c7-e414-47d7-8eb7-c020dd9e6eaa" }, { "start": 253.255, "end": 254.075, "confidence": 0.99859494, "channel": 0, "transcript": "it is", "words": [ { "word": "it", "start": 253.255, "end": 253.575, "confidence": 0.9983456, "punctuated_word": "it", "speaker": 3, "speaker_confidence": 0.67132324 }, { "word": "is", "start": 253.575, "end": 254.075, "confidence": 0.99884427, "punctuated_word": "is", "speaker": 3, "speaker_confidence": 0.67132324 } ], "speaker": 3, "id": "77280a72-1d49-4110-9c53-196a8517f5e2" }, { "start": 254.61499, "end": 259.65, "confidence": 0.9160295, "channel": 0, "transcript": "harder for everyone to have multiple different standards to comply with in in different states.", "words": [ { "word": "harder", "start": 254.61499, "end": 255.095, "confidence": 0.999366, "punctuated_word": "harder", "speaker": 3, "speaker_confidence": 0.67132324 }, { "word": "for", "start": 255.095, "end": 255.255, "confidence": 0.9997651, "punctuated_word": "for", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "everyone", "start": 255.255, "end": 255.735, "confidence": 0.99939525, "punctuated_word": "everyone", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "to", "start": 255.735, "end": 255.815, "confidence": 0.9995291, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "have", "start": 255.815, "end": 256.215, "confidence": 0.9998796, "punctuated_word": "have", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "multiple", "start": 256.215, "end": 256.695, "confidence": 0.3662973, "punctuated_word": "multiple", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "different", "start": 256.695, "end": 257.175, "confidence": 0.990858, "punctuated_word": "different", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "standards", "start": 257.175, "end": 257.655, "confidence": 0.99405634, "punctuated_word": "standards", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "to", "start": 257.655, "end": 257.735, "confidence": 0.99627066, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "comply", "start": 257.735, "end": 258.055, "confidence": 0.9989472, "punctuated_word": "comply", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "with", "start": 258.055, "end": 258.27, "confidence": 0.9428872, "punctuated_word": "with", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "in", "start": 258.34998, "end": 258.66998, "confidence": 0.98535603, "punctuated_word": "in", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "in", "start": 258.66998, "end": 258.75, "confidence": 0.6437967, "punctuated_word": "in", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "different", "start": 258.75, "end": 259.15, "confidence": 0.9994511, "punctuated_word": "different", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "states", "start": 259.15, "end": 259.65, "confidence": 0.82458687, "punctuated_word": "states.", "speaker": 3, "speaker_confidence": 0.68984354 } ], "speaker": 3, "id": "62b04453-03b3-414c-b118-d9be3881b60f" }, { "start": 260.66998, "end": 262.21, "confidence": 0.9981761, "channel": 0, "transcript": "That's probably the main con.", "words": [ { "word": "that's", "start": 260.66998, "end": 260.99, "confidence": 0.9971933, "punctuated_word": "That's", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "probably", "start": 260.99, "end": 261.31, "confidence": 0.9997576, "punctuated_word": "probably", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "the", "start": 261.31, "end": 261.47, "confidence": 0.9997929, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "main", "start": 261.47, "end": 261.71, "confidence": 0.99992263, "punctuated_word": "main", "speaker": 3, "speaker_confidence": 0.68984354 }, { "word": "con", "start": 261.71, "end": 262.21, "confidence": 0.99421394, "punctuated_word": "con.", "speaker": 3, "speaker_confidence": 0.68984354 } ], "speaker": 3, "id": "35b3c5c0-e26c-490b-aedb-7824a773b9eb" }, { "start": 262.59, "end": 296.01, "confidence": 0.95859903, "channel": 0, "transcript": "Yeah. Yeah. That kind of patchwork of state legislation that resulted in the absence of federal legislation, I think is going to be quite the challenge of states kind of, which is a good thing. States are adopting this legislation to the unique problems their states face, the unique concerns of their citizens, etcetera. But the result is this kind of patchwork of different standards and things that companies have to meet, which is definitely going to be a challenge moving forward. That makes sense. Are there any states that are, like, super amazing on privacy? Illinois, in particular. Illinois. Needle quite a bit. Yeah. Alright. Cool. So let's talk about, a little more specifics on the type of work that you both have been doing,", "words": [ { "word": "yeah", "start": 262.59, "end": 262.91, "confidence": 0.86687994, "punctuated_word": "Yeah.", "speaker": 0, "speaker_confidence": 0.40186894 }, { "word": "yeah", "start": 262.91, "end": 263.15, "confidence": 0.9305339, "punctuated_word": "Yeah.", "speaker": 0, "speaker_confidence": 0.40186894 }, { "word": "that", "start": 263.15, "end": 263.31, "confidence": 0.99854314, "punctuated_word": "That", "speaker": 0, "speaker_confidence": 0.40186894 }, { "word": "kind", "start": 263.31, "end": 263.55, "confidence": 0.9966313, "punctuated_word": "kind", "speaker": 0, "speaker_confidence": 0.40186894 }, { "word": "of", "start": 263.55, "end": 263.94998, "confidence": 0.99969614, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 0.40186894 }, { "word": "patchwork", "start": 263.94998, "end": 264.44998, "confidence": 0.99675655, "punctuated_word": "patchwork", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "of", "start": 264.59, "end": 264.99, "confidence": 0.99904734, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "state", "start": 264.99, "end": 265.31, "confidence": 0.99152774, "punctuated_word": "state", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "legislation", "start": 265.31, "end": 265.71, "confidence": 0.9998729, "punctuated_word": "legislation", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "that", "start": 265.71, "end": 265.87, "confidence": 0.9947214, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "resulted", "start": 265.87, "end": 266.19, "confidence": 0.9998766, "punctuated_word": "resulted", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "in", "start": 266.19, "end": 266.34998, "confidence": 0.9994431, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "the", "start": 266.34998, "end": 266.50998, "confidence": 0.999607, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "absence", "start": 266.50998, "end": 266.83, "confidence": 0.9981693, "punctuated_word": "absence", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "of", "start": 266.83, "end": 266.99, "confidence": 0.9982436, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "federal", "start": 266.99, "end": 267.31, "confidence": 0.98711383, "punctuated_word": "federal", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "legislation", "start": 267.31, "end": 267.81, "confidence": 0.8621892, "punctuated_word": "legislation,", "speaker": 0, "speaker_confidence": 0.7426214 }, { "word": "i", "start": 268.03, "end": 268.11, "confidence": 0.9988681, "punctuated_word": "I", "speaker": 0, "speaker_confidence": 0.46161014 }, { "word": "think", "start": 268.11, "end": 268.34998, "confidence": 0.99990535, "punctuated_word": "think", "speaker": 0, "speaker_confidence": 0.46161014 }, { "word": "is", "start": 268.34998, "end": 268.50998, "confidence": 0.5481458, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.46161014 }, { "word": "going", "start": 268.50998, "end": 268.75, "confidence": 0.51007587, "punctuated_word": "going", "speaker": 0, "speaker_confidence": 0.46161014 }, { "word": "to", "start": 268.75, "end": 268.83, "confidence": 0.99405885, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.46161014 }, { "word": "be", "start": 268.83, "end": 268.99, "confidence": 0.99976474, "punctuated_word": "be", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "quite", "start": 268.99, "end": 269.22998, "confidence": 0.9989728, "punctuated_word": "quite", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "the", "start": 269.22998, "end": 269.31, "confidence": 0.9901534, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "challenge", "start": 269.31, "end": 269.71, "confidence": 0.99262756, "punctuated_word": "challenge", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "of", "start": 269.71, "end": 269.78998, "confidence": 0.74617666, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "states", "start": 269.78998, "end": 270.19, "confidence": 0.9411302, "punctuated_word": "states", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "kind", "start": 270.19, "end": 270.34998, "confidence": 0.7761536, "punctuated_word": "kind", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "of", "start": 270.34998, "end": 270.84998, "confidence": 0.7871934, "punctuated_word": "of,", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "which", "start": 270.90997, "end": 271.155, "confidence": 0.9964935, "punctuated_word": "which", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "is", "start": 271.155, "end": 271.39432, "confidence": 0.99966204, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "a", "start": 271.39432, "end": 271.63364, "confidence": 0.9997769, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "good", "start": 271.63364, "end": 271.87296, "confidence": 0.9999918, "punctuated_word": "good", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "thing", "start": 271.87296, "end": 272.11227, "confidence": 0.924904, "punctuated_word": "thing.", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "states", "start": 272.11227, "end": 272.3516, "confidence": 0.99686533, "punctuated_word": "States", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "are", "start": 272.3516, "end": 272.5909, "confidence": 0.9993387, "punctuated_word": "are", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "adopting", "start": 272.5909, "end": 272.83023, "confidence": 0.9968136, "punctuated_word": "adopting", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "this", "start": 272.83023, "end": 273.06955, "confidence": 0.9989021, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "legislation", "start": 273.06955, "end": 273.30887, "confidence": 0.99974257, "punctuated_word": "legislation", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "to", "start": 273.30887, "end": 273.5482, "confidence": 0.9750494, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "the", "start": 273.5482, "end": 273.7875, "confidence": 0.97053784, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "unique", "start": 273.7875, "end": 274.02682, "confidence": 0.9977696, "punctuated_word": "unique", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "problems", "start": 274.02682, "end": 274.26614, "confidence": 0.99922836, "punctuated_word": "problems", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "their", "start": 274.26614, "end": 274.50546, "confidence": 0.9745281, "punctuated_word": "their", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "states", "start": 274.50546, "end": 274.74478, "confidence": 0.980587, "punctuated_word": "states", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "face", "start": 274.74478, "end": 274.9841, "confidence": 0.9773009, "punctuated_word": "face,", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "the", "start": 275.22342, "end": 275.46274, "confidence": 0.9033556, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "unique", "start": 275.46274, "end": 275.70206, "confidence": 0.99943775, "punctuated_word": "unique", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "concerns", "start": 275.70206, "end": 275.94138, "confidence": 0.99963284, "punctuated_word": "concerns", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "of", "start": 275.94138, "end": 276.1807, "confidence": 0.85349405, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "their", "start": 276.1807, "end": 276.42, "confidence": 0.9997526, "punctuated_word": "their", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "citizens", "start": 276.42, "end": 276.65933, "confidence": 0.9917635, "punctuated_word": "citizens,", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "etcetera", "start": 276.65933, "end": 276.89865, "confidence": 0.9385077, "punctuated_word": "etcetera.", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "but", "start": 276.89865, "end": 277.13797, "confidence": 0.99830675, "punctuated_word": "But", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "the", "start": 277.13797, "end": 277.3773, "confidence": 0.9995555, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "result", "start": 277.3773, "end": 277.6166, "confidence": 0.99980956, "punctuated_word": "result", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "is", "start": 277.6166, "end": 277.85593, "confidence": 0.99924695, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "this", "start": 277.85593, "end": 278.09525, "confidence": 0.999073, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "kind", "start": 278.09525, "end": 278.33456, "confidence": 0.9972023, "punctuated_word": "kind", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "of", "start": 278.33456, "end": 278.57388, "confidence": 0.99996555, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "patchwork", "start": 278.57388, "end": 278.8132, "confidence": 0.99719787, "punctuated_word": "patchwork", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "of", "start": 278.8132, "end": 279.0525, "confidence": 0.9988281, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "different", "start": 279.0525, "end": 279.2918, "confidence": 0.5191104, "punctuated_word": "different", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "standards", "start": 279.2918, "end": 279.53113, "confidence": 0.99942374, "punctuated_word": "standards", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "and", "start": 279.53113, "end": 279.77045, "confidence": 0.9973231, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "things", "start": 279.77045, "end": 280.00977, "confidence": 0.99962866, "punctuated_word": "things", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "that", "start": 280.00977, "end": 280.24908, "confidence": 0.9991391, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "companies", "start": 280.24908, "end": 280.4884, "confidence": 0.9998996, "punctuated_word": "companies", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "have", "start": 280.4884, "end": 280.72772, "confidence": 0.9992888, "punctuated_word": "have", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "to", "start": 280.72772, "end": 280.96704, "confidence": 0.99861395, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.9975726 }, { "word": "meet", "start": 280.96704, "end": 281.20636, "confidence": 0.9913597, "punctuated_word": "meet,", "speaker": 0, "speaker_confidence": 0.6746524 }, { "word": "which", "start": 281.20636, "end": 281.44568, "confidence": 0.99988246, "punctuated_word": "which", "speaker": 0, "speaker_confidence": 0.6746524 }, { "word": "is", "start": 281.44568, "end": 281.685, "confidence": 0.9998894, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.6746524 }, { "word": "definitely", "start": 281.685, "end": 281.92432, "confidence": 0.9998826, "punctuated_word": "definitely", "speaker": 0, "speaker_confidence": 0.6746524 }, { "word": "going", "start": 281.92432, "end": 282.16364, "confidence": 0.9786189, "punctuated_word": "going", "speaker": 0, "speaker_confidence": 0.6746524 }, { "word": "to", "start": 282.16364, "end": 282.40295, "confidence": 0.99776936, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.6746524 }, { "word": "be", "start": 282.40295, "end": 282.64227, "confidence": 0.99988747, "punctuated_word": "be", "speaker": 0, "speaker_confidence": 0.6746524 }, { "word": "a", "start": 282.64227, "end": 282.8816, "confidence": 0.99961793, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.6746524 }, { "word": "challenge", "start": 282.8816, "end": 283.1209, "confidence": 0.9999722, "punctuated_word": "challenge", "speaker": 0, "speaker_confidence": 0.6746524 }, { "word": "moving", "start": 283.1209, "end": 283.36023, "confidence": 0.99843246, "punctuated_word": "moving", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "forward", "start": 283.36023, "end": 283.59955, "confidence": 0.9992712, "punctuated_word": "forward.", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "that", "start": 283.59955, "end": 283.83887, "confidence": 0.82076126, "punctuated_word": "That", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "makes", "start": 283.83887, "end": 284.0782, "confidence": 0.9841675, "punctuated_word": "makes", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "sense", "start": 284.0782, "end": 284.3175, "confidence": 0.9991689, "punctuated_word": "sense.", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "are", "start": 284.3175, "end": 284.55682, "confidence": 0.994905, "punctuated_word": "Are", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "there", "start": 284.55682, "end": 284.79614, "confidence": 0.9998534, "punctuated_word": "there", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "any", "start": 284.79614, "end": 285.03546, "confidence": 0.9997451, "punctuated_word": "any", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "states", "start": 285.03546, "end": 285.27478, "confidence": 0.99808973, "punctuated_word": "states", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "that", "start": 285.27478, "end": 285.5141, "confidence": 0.9767705, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "are", "start": 285.5141, "end": 285.75342, "confidence": 0.81468713, "punctuated_word": "are,", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "like", "start": 285.75342, "end": 285.99274, "confidence": 0.9978947, "punctuated_word": "like,", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "super", "start": 285.99274, "end": 286.23206, "confidence": 0.99965096, "punctuated_word": "super", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "amazing", "start": 286.23206, "end": 286.47137, "confidence": 0.99952567, "punctuated_word": "amazing", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "on", "start": 286.47137, "end": 286.7107, "confidence": 0.9941949, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.6279049 }, { "word": "privacy", "start": 286.7107, "end": 286.95, "confidence": 0.99198043, "punctuated_word": "privacy?", "speaker": 0, "speaker_confidence": 0.24792826 }, { "word": "illinois", "start": 287.11002, "end": 287.43002, "confidence": 0.7699911, "punctuated_word": "Illinois,", "speaker": 0, "speaker_confidence": 0.50828296 }, { "word": "in", "start": 287.43002, "end": 287.59003, "confidence": 0.999175, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 0.50828296 }, { "word": "particular", "start": 287.59003, "end": 288.09003, "confidence": 0.9543103, "punctuated_word": "particular.", "speaker": 0, "speaker_confidence": 0.50828296 }, { "word": "illinois", "start": 288.15002, "end": 288.47003, "confidence": 0.9173584, "punctuated_word": "Illinois.", "speaker": 2, "speaker_confidence": 0.19288313 }, { "word": "needle", "start": 288.79, "end": 289.27002, "confidence": 0.48583484, "punctuated_word": "Needle", "speaker": 2, "speaker_confidence": 0.19288313 }, { "word": "quite", "start": 289.27002, "end": 289.39, "confidence": 0.9906867, "punctuated_word": "quite", "speaker": 0, "speaker_confidence": 0.2501247 }, { "word": "a", "start": 289.39, "end": 289.51, "confidence": 0.9985808, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.2501247 }, { "word": "bit", "start": 289.51, "end": 289.83002, "confidence": 0.9936844, "punctuated_word": "bit.", "speaker": 0, "speaker_confidence": 0.2501247 }, { "word": "yeah", "start": 289.83002, "end": 290.15002, "confidence": 0.738289, "punctuated_word": "Yeah.", "speaker": 0, "speaker_confidence": 0.2501247 }, { "word": "alright", "start": 290.15002, "end": 290.39, "confidence": 0.97799647, "punctuated_word": "Alright.", "speaker": 2, "speaker_confidence": 0.5106948 }, { "word": "cool", "start": 290.39, "end": 290.89, "confidence": 0.99921834, "punctuated_word": "Cool.", "speaker": 2, "speaker_confidence": 0.5106948 }, { "word": "so", "start": 290.95, "end": 291.11002, "confidence": 0.99678826, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.5106948 }, { "word": "let's", "start": 291.11002, "end": 291.27002, "confidence": 0.9985703, "punctuated_word": "let's", "speaker": 2, "speaker_confidence": 0.5106948 }, { "word": "talk", "start": 291.27002, "end": 291.51, "confidence": 0.999146, "punctuated_word": "talk", "speaker": 2, "speaker_confidence": 0.5106948 }, { "word": "about", "start": 291.51, "end": 291.83002, "confidence": 0.99753773, "punctuated_word": "about,", "speaker": 2, "speaker_confidence": 0.5106948 }, { "word": "a", "start": 292.23, "end": 292.31, "confidence": 0.73280305, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "little", "start": 292.31, "end": 292.55002, "confidence": 0.99968064, "punctuated_word": "little", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "more", "start": 292.55002, "end": 292.87003, "confidence": 0.99923503, "punctuated_word": "more", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "specifics", "start": 292.87003, "end": 293.35, "confidence": 0.9972409, "punctuated_word": "specifics", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "on", "start": 293.35, "end": 293.51, "confidence": 0.9980476, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "the", "start": 293.51, "end": 293.67, "confidence": 0.99789304, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "type", "start": 293.67, "end": 293.91, "confidence": 0.9991285, "punctuated_word": "type", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "of", "start": 293.91, "end": 294.15002, "confidence": 0.9980306, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "work", "start": 294.15002, "end": 294.39, "confidence": 0.9987684, "punctuated_word": "work", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "that", "start": 294.39, "end": 294.55002, "confidence": 0.99617875, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "you", "start": 294.55002, "end": 294.87003, "confidence": 0.9966864, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "both", "start": 294.87003, "end": 295.19, "confidence": 0.99902296, "punctuated_word": "both", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "have", "start": 295.19, "end": 295.35, "confidence": 0.99524695, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "been", "start": 295.35, "end": 295.51, "confidence": 0.99670887, "punctuated_word": "been", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "doing", "start": 295.51, "end": 296.01, "confidence": 0.84850574, "punctuated_word": "doing,", "speaker": 2, "speaker_confidence": 0.7627214 } ], "speaker": 0, "id": "71fa33fc-948e-4d9b-a400-195c070416fd" }, { "start": 296.55002, "end": 301.605, "confidence": 0.90119714, "channel": 0, "transcript": "on the state level. There's been, you know, certain privacy issues. Issues. And as you mentioned,", "words": [ { "word": "on", "start": 296.55002, "end": 296.63, "confidence": 0.99241793, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.7627214 }, { "word": "the", "start": 296.63, "end": 296.79, "confidence": 0.994011, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "state", "start": 296.79, "end": 297.11002, "confidence": 0.9967217, "punctuated_word": "state", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "level", "start": 297.11002, "end": 297.43002, "confidence": 0.9917129, "punctuated_word": "level.", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "there's", "start": 297.43002, "end": 297.75, "confidence": 0.99509716, "punctuated_word": "There's", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "been", "start": 297.75, "end": 297.91, "confidence": 0.9891214, "punctuated_word": "been,", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "you", "start": 297.91, "end": 298.07, "confidence": 0.9475036, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "know", "start": 298.07, "end": 298.31, "confidence": 0.9942129, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "certain", "start": 298.31, "end": 298.63, "confidence": 0.9351761, "punctuated_word": "certain", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "privacy", "start": 298.63, "end": 298.95, "confidence": 0.990026, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "issues", "start": 298.95, "end": 299.265, "confidence": 0.6952976, "punctuated_word": "issues.", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "issues", "start": 299.265, "end": 299.725, "confidence": 0.6369175, "punctuated_word": "Issues.", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "and", "start": 299.725, "end": 300.185, "confidence": 0.60070884, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "as", "start": 300.185, "end": 300.64502, "confidence": 0.8263078, "punctuated_word": "as", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "you", "start": 300.64502, "end": 301.105, "confidence": 0.9373469, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "mentioned", "start": 301.105, "end": 301.605, "confidence": 0.89657557, "punctuated_word": "mentioned,", "speaker": 2, "speaker_confidence": 0.74891186 } ], "speaker": 2, "id": "29745cd1-2e9a-4e4b-8aad-7edede40b5b0" }, { "start": 302.30502, "end": 308.885, "confidence": 0.9049417, "channel": 0, "transcript": "certain states doing different things. Broadband privacy, obviously, that's the first one you all touched on and I touched on in the intro. That's a big one. Any states stepping up there?", "words": [ { "word": "certain", "start": 302.30502, "end": 302.46503, "confidence": 0.8696289, "punctuated_word": "certain", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "states", "start": 302.46503, "end": 302.56104, "confidence": 0.82988435, "punctuated_word": "states", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "doing", "start": 302.56104, "end": 302.657, "confidence": 0.74079007, "punctuated_word": "doing", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "different", "start": 302.657, "end": 302.75302, "confidence": 0.84908384, "punctuated_word": "different", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "things", "start": 302.75302, "end": 302.849, "confidence": 0.8661299, "punctuated_word": "things.", "speaker": 2, "speaker_confidence": 0.74891186 }, { "word": "broadband", "start": 302.849, "end": 302.945, "confidence": 0.89920616, "punctuated_word": "Broadband", "speaker": 2, "speaker_confidence": 0.52116895 }, { "word": "privacy", "start": 302.945, "end": 303.265, "confidence": 0.8592599, "punctuated_word": "privacy,", "speaker": 2, "speaker_confidence": 0.52116895 }, { "word": "obviously", "start": 303.265, "end": 303.58502, "confidence": 0.81701666, "punctuated_word": "obviously,", "speaker": 2, "speaker_confidence": 0.52116895 }, { "word": "that's", "start": 303.58502, "end": 303.90503, "confidence": 0.96682775, "punctuated_word": "that's", "speaker": 2, "speaker_confidence": 0.52116895 }, { "word": "the", "start": 303.90503, "end": 304.065, "confidence": 0.93585414, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.52116895 }, { "word": "first", "start": 304.065, "end": 304.185, "confidence": 0.89617723, "punctuated_word": "first", "speaker": 2, "speaker_confidence": 0.52116895 }, { "word": "one", "start": 304.185, "end": 304.30502, "confidence": 0.97010213, "punctuated_word": "one", "speaker": 2, "speaker_confidence": 0.52116895 }, { "word": "you", "start": 304.30502, "end": 304.385, "confidence": 0.4717497, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "all", "start": 304.385, "end": 304.545, "confidence": 0.9042081, "punctuated_word": "all", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "touched", "start": 304.545, "end": 304.785, "confidence": 0.9771278, "punctuated_word": "touched", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "on", "start": 304.785, "end": 305.02502, "confidence": 0.89875007, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "and", "start": 305.02502, "end": 305.345, "confidence": 0.68434495, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "i", "start": 305.345, "end": 305.505, "confidence": 0.96649605, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "touched", "start": 305.505, "end": 305.74503, "confidence": 0.98146904, "punctuated_word": "touched", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "on", "start": 305.74503, "end": 305.90503, "confidence": 0.9667869, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "in", "start": 305.90503, "end": 306.065, "confidence": 0.9794114, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "the", "start": 306.065, "end": 306.225, "confidence": 0.9798614, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "intro", "start": 306.225, "end": 306.545, "confidence": 0.95340145, "punctuated_word": "intro.", "speaker": 2, "speaker_confidence": 0.45380664 }, { "word": "that's", "start": 306.545, "end": 306.785, "confidence": 0.9965367, "punctuated_word": "That's", "speaker": 2, "speaker_confidence": 0.6033436 }, { "word": "a", "start": 306.785, "end": 306.86502, "confidence": 0.99502254, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.6033436 }, { "word": "big", "start": 306.86502, "end": 307.02502, "confidence": 0.99235195, "punctuated_word": "big", "speaker": 2, "speaker_confidence": 0.6033436 }, { "word": "one", "start": 307.02502, "end": 307.265, "confidence": 0.98247874, "punctuated_word": "one.", "speaker": 2, "speaker_confidence": 0.6033436 }, { "word": "any", "start": 307.265, "end": 307.58502, "confidence": 0.9824033, "punctuated_word": "Any", "speaker": 2, "speaker_confidence": 0.6033436 }, { "word": "states", "start": 307.58502, "end": 307.98502, "confidence": 0.76976097, "punctuated_word": "states", "speaker": 2, "speaker_confidence": 0.6033436 }, { "word": "stepping", "start": 307.98502, "end": 308.30502, "confidence": 0.9923734, "punctuated_word": "stepping", "speaker": 2, "speaker_confidence": 0.6033436 }, { "word": "up", "start": 308.30502, "end": 308.385, "confidence": 0.9971655, "punctuated_word": "up", "speaker": 2, "speaker_confidence": 0.6033436 }, { "word": "there", "start": 308.385, "end": 308.885, "confidence": 0.98647386, "punctuated_word": "there?", "speaker": 2, "speaker_confidence": 0.6033436 } ], "speaker": 2, "id": "a45c523d-438a-4e4d-9180-c5e009b875d5" }, { "start": 309.74503, "end": 310.64502, "confidence": 0.9862007, "channel": 0, "transcript": "Yeah. So,", "words": [ { "word": "yeah", "start": 309.74503, "end": 310.14502, "confidence": 0.98506415, "punctuated_word": "Yeah.", "speaker": 3, "speaker_confidence": 0.68874687 }, { "word": "so", "start": 310.14502, "end": 310.64502, "confidence": 0.98733723, "punctuated_word": "So,", "speaker": 3, "speaker_confidence": 0.68874687 } ], "speaker": 3, "id": "01d15812-aedd-46d1-8e90-5a0059ed6ab9" }, { "start": 312.14502, "end": 314.48, "confidence": 0.9808571, "channel": 0, "transcript": "I was actually here on the podcast,", "words": [ { "word": "i", "start": 312.14502, "end": 312.30502, "confidence": 0.99904615, "punctuated_word": "I", "speaker": 3, "speaker_confidence": 0.68874687 }, { "word": "was", "start": 312.30502, "end": 312.70502, "confidence": 0.9990165, "punctuated_word": "was", "speaker": 3, "speaker_confidence": 0.68874687 }, { "word": "actually", "start": 312.70502, "end": 313.18503, "confidence": 0.99291176, "punctuated_word": "actually", "speaker": 3, "speaker_confidence": 0.68874687 }, { "word": "here", "start": 313.18503, "end": 313.5, "confidence": 0.98813, "punctuated_word": "here", "speaker": 3, "speaker_confidence": 0.68874687 }, { "word": "on", "start": 313.58, "end": 313.82, "confidence": 0.9997483, "punctuated_word": "on", "speaker": 3, "speaker_confidence": 0.68874687 }, { "word": "the", "start": 313.82, "end": 313.98, "confidence": 0.9989335, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.68874687 }, { "word": "podcast", "start": 313.98, "end": 314.48, "confidence": 0.88821346, "punctuated_word": "podcast,", "speaker": 3, "speaker_confidence": 0.68874687 } ], "speaker": 3, "id": "1520df68-f092-4ceb-8899-58c12cd407af" }, { "start": 315.5, "end": 322.4, "confidence": 0.942339, "channel": 0, "transcript": "several months ago talking about The best day of your life. Right? Yeah. Well, maybe not. But maybe your best day of your CDT life.", "words": [ { "word": "several", "start": 315.5, "end": 316.0, "confidence": 0.9991093, "punctuated_word": "several", "speaker": 3, "speaker_confidence": 0.5003362 }, { "word": "months", "start": 316.06, "end": 316.3, "confidence": 0.9996637, "punctuated_word": "months", "speaker": 3, "speaker_confidence": 0.5003362 }, { "word": "ago", "start": 316.3, "end": 316.8, "confidence": 0.99919313, "punctuated_word": "ago", "speaker": 3, "speaker_confidence": 0.5003362 }, { "word": "talking", "start": 316.94, "end": 317.26, "confidence": 0.81206876, "punctuated_word": "talking", "speaker": 3, "speaker_confidence": 0.5003362 }, { "word": "about", "start": 317.26, "end": 317.5, "confidence": 0.8904636, "punctuated_word": "about", "speaker": 3, "speaker_confidence": 0.5003362 }, { "word": "the", "start": 317.58, "end": 317.66, "confidence": 0.3186494, "punctuated_word": "The", "speaker": 3, "speaker_confidence": 0.5003362 }, { "word": "best", "start": 317.66, "end": 317.9, "confidence": 0.9978339, "punctuated_word": "best", "speaker": 2, "speaker_confidence": 0.56626767 }, { "word": "day", "start": 317.9, "end": 318.06, "confidence": 0.9912135, "punctuated_word": "day", "speaker": 2, "speaker_confidence": 0.56626767 }, { "word": "of", "start": 318.06, "end": 318.22, "confidence": 0.99845076, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.56626767 }, { "word": "your", "start": 318.22, "end": 318.54, "confidence": 0.99693704, "punctuated_word": "your", "speaker": 2, "speaker_confidence": 0.56626767 }, { "word": "life", "start": 318.54, "end": 318.86, "confidence": 0.9695758, "punctuated_word": "life.", "speaker": 2, "speaker_confidence": 0.56626767 }, { "word": "right", "start": 318.86, "end": 319.34, "confidence": 0.99531335, "punctuated_word": "Right?", "speaker": 2, "speaker_confidence": 0.56626767 }, { "word": "yeah", "start": 319.34, "end": 319.66, "confidence": 0.9776747, "punctuated_word": "Yeah.", "speaker": 2, "speaker_confidence": 0.55830115 }, { "word": "well", "start": 319.66, "end": 319.9, "confidence": 0.97672087, "punctuated_word": "Well,", "speaker": 2, "speaker_confidence": 0.55830115 }, { "word": "maybe", "start": 319.9, "end": 320.14, "confidence": 0.9988887, "punctuated_word": "maybe", "speaker": 2, "speaker_confidence": 0.55830115 }, { "word": "not", "start": 320.14, "end": 320.38, "confidence": 0.9430187, "punctuated_word": "not.", "speaker": 2, "speaker_confidence": 0.55830115 }, { "word": "but", "start": 320.38, "end": 320.62, "confidence": 0.9962947, "punctuated_word": "But", "speaker": 2, "speaker_confidence": 0.55830115 }, { "word": "maybe", "start": 320.62, "end": 320.78, "confidence": 0.96329147, "punctuated_word": "maybe", "speaker": 2, "speaker_confidence": 0.55830115 }, { "word": "your", "start": 320.78, "end": 320.94, "confidence": 0.9550124, "punctuated_word": "your", "speaker": 2, "speaker_confidence": 0.55830115 }, { "word": "best", "start": 320.94, "end": 321.1, "confidence": 0.99876046, "punctuated_word": "best", "speaker": 2, "speaker_confidence": 0.55830115 }, { "word": "day", "start": 321.1, "end": 321.18, "confidence": 0.9124741, "punctuated_word": "day", "speaker": 2, "speaker_confidence": 0.4018023 }, { "word": "of", "start": 321.18, "end": 321.26, "confidence": 0.9465618, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.4018023 }, { "word": "your", "start": 321.26, "end": 321.5, "confidence": 0.9945208, "punctuated_word": "your", "speaker": 2, "speaker_confidence": 0.4018023 }, { "word": "cdt", "start": 321.5, "end": 321.9, "confidence": 0.9444026, "punctuated_word": "CDT", "speaker": 2, "speaker_confidence": 0.4018023 }, { "word": "life", "start": 321.9, "end": 322.4, "confidence": 0.9823816, "punctuated_word": "life.", "speaker": 2, "speaker_confidence": 0.4018023 } ], "speaker": 2, "id": "0670ae76-c911-4252-a8d0-1221a672c215" }, { "start": 323.02, "end": 323.58, "confidence": 0.96923554, "channel": 0, "transcript": "It was,", "words": [ { "word": "it", "start": 323.02, "end": 323.1, "confidence": 0.99690187, "punctuated_word": "It", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "was", "start": 323.1, "end": 323.58, "confidence": 0.9415692, "punctuated_word": "was,", "speaker": 3, "speaker_confidence": 0.6580246 } ], "speaker": 3, "id": "cfe6c470-af40-4537-bddf-7a538b26f8c2" }, { "start": 324.38, "end": 329.985, "confidence": 0.90637994, "channel": 0, "transcript": "we were talking about the victory that was the the FCC Broadband Privacy Rules. The FCC", "words": [ { "word": "we", "start": 324.38, "end": 324.54, "confidence": 0.99657404, "punctuated_word": "we", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "were", "start": 324.54, "end": 324.78, "confidence": 0.99522275, "punctuated_word": "were", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "talking", "start": 324.78, "end": 325.1, "confidence": 0.9985617, "punctuated_word": "talking", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "about", "start": 325.1, "end": 325.34, "confidence": 0.9944904, "punctuated_word": "about", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "the", "start": 325.34, "end": 325.58, "confidence": 0.99444467, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "victory", "start": 325.58, "end": 326.08, "confidence": 0.99877304, "punctuated_word": "victory", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "that", "start": 326.14, "end": 326.3, "confidence": 0.84949565, "punctuated_word": "that", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "was", "start": 326.3, "end": 326.54, "confidence": 0.99064004, "punctuated_word": "was", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "the", "start": 326.54, "end": 326.685, "confidence": 0.58663106, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "the", "start": 326.685, "end": 326.925, "confidence": 0.9489181, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "fcc", "start": 326.925, "end": 327.425, "confidence": 0.9673931, "punctuated_word": "FCC", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "broadband", "start": 327.485, "end": 327.885, "confidence": 0.7316172, "punctuated_word": "Broadband", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "privacy", "start": 327.885, "end": 328.385, "confidence": 0.6321514, "punctuated_word": "Privacy", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "rules", "start": 328.445, "end": 328.925, "confidence": 0.83915085, "punctuated_word": "Rules.", "speaker": 3, "speaker_confidence": 0.6580246 }, { "word": "the", "start": 329.245, "end": 329.485, "confidence": 0.9785638, "punctuated_word": "The", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "fcc", "start": 329.485, "end": 329.985, "confidence": 0.9994505, "punctuated_word": "FCC", "speaker": 3, "speaker_confidence": 0.96999836 } ], "speaker": 3, "id": "680afb19-778e-4eef-bd94-ca4f82ea753a" }, { "start": 330.445, "end": 331.26498, "confidence": 0.9717521, "channel": 0, "transcript": "gave consumers,", "words": [ { "word": "gave", "start": 330.445, "end": 330.76498, "confidence": 0.999094, "punctuated_word": "gave", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "consumers", "start": 330.76498, "end": 331.26498, "confidence": 0.9444102, "punctuated_word": "consumers,", "speaker": 3, "speaker_confidence": 0.96999836 } ], "speaker": 3, "id": "3c3247bf-03d7-4f1e-84ae-8161c8980e98" }, { "start": 331.885, "end": 332.785, "confidence": 0.9942492, "channel": 0, "transcript": "pretty strong,", "words": [ { "word": "pretty", "start": 331.885, "end": 332.285, "confidence": 0.99907184, "punctuated_word": "pretty", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "strong", "start": 332.285, "end": 332.785, "confidence": 0.98942655, "punctuated_word": "strong,", "speaker": 3, "speaker_confidence": 0.96999836 } ], "speaker": 3, "id": "9713e436-0b18-4a19-abbd-16e869464457" }, { "start": 333.485, "end": 334.305, "confidence": 0.9246124, "channel": 0, "transcript": "very thoughtful,", "words": [ { "word": "very", "start": 333.485, "end": 333.805, "confidence": 0.99920684, "punctuated_word": "very", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "thoughtful", "start": 333.805, "end": 334.305, "confidence": 0.850018, "punctuated_word": "thoughtful,", "speaker": 3, "speaker_confidence": 0.96999836 } ], "speaker": 3, "id": "b195ff29-0aae-478c-88eb-2a7933cbf57f" }, { "start": 334.925, "end": 340.79, "confidence": 0.96326506, "channel": 0, "transcript": "protections for their privacy when they are, using their broadband connection to, surf the web.", "words": [ { "word": "protections", "start": 334.925, "end": 335.425, "confidence": 0.99857676, "punctuated_word": "protections", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "for", "start": 335.485, "end": 335.725, "confidence": 0.9998159, "punctuated_word": "for", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "their", "start": 335.725, "end": 335.965, "confidence": 0.9996742, "punctuated_word": "their", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "privacy", "start": 335.965, "end": 336.465, "confidence": 0.9998394, "punctuated_word": "privacy", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "when", "start": 336.605, "end": 336.925, "confidence": 0.99254143, "punctuated_word": "when", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "they", "start": 336.925, "end": 337.165, "confidence": 0.999843, "punctuated_word": "they", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "are", "start": 337.165, "end": 337.485, "confidence": 0.89079106, "punctuated_word": "are,", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "using", "start": 337.725, "end": 338.04498, "confidence": 0.9997023, "punctuated_word": "using", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "their", "start": 338.04498, "end": 338.205, "confidence": 0.99969935, "punctuated_word": "their", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "broadband", "start": 338.205, "end": 338.685, "confidence": 0.8228852, "punctuated_word": "broadband", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "connection", "start": 338.685, "end": 339.185, "confidence": 0.997703, "punctuated_word": "connection", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "to", "start": 339.245, "end": 339.405, "confidence": 0.87636507, "punctuated_word": "to,", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "surf", "start": 339.88998, "end": 340.13, "confidence": 0.9899192, "punctuated_word": "surf", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "the", "start": 340.13, "end": 340.29, "confidence": 0.99921334, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "web", "start": 340.29, "end": 340.79, "confidence": 0.8824064, "punctuated_word": "web.", "speaker": 3, "speaker_confidence": 0.96999836 } ], "speaker": 3, "id": "6bd3341e-e8e7-4409-8798-d51ec54e2723" }, { "start": 341.33, "end": 341.83, "confidence": 0.91063666, "channel": 0, "transcript": "And,", "words": [ { "word": "and", "start": 341.33, "end": 341.83, "confidence": 0.91063666, "punctuated_word": "And,", "speaker": 3, "speaker_confidence": 0.96999836 } ], "speaker": 3, "id": "0181812e-097f-4d1a-b885-1da045bb6c9b" }, { "start": 343.09, "end": 343.59, "confidence": 0.9717948, "channel": 0, "transcript": "unfortunately,", "words": [ { "word": "unfortunately", "start": 343.09, "end": 343.59, "confidence": 0.9717948, "punctuated_word": "unfortunately,", "speaker": 3, "speaker_confidence": 0.96999836 } ], "speaker": 3, "id": "d4be839c-64df-46fa-a012-c34a856ec657" }, { "start": 344.13, "end": 345.59, "confidence": 0.9954008, "channel": 0, "transcript": "a few months later,", "words": [ { "word": "a", "start": 344.13, "end": 344.37, "confidence": 0.9989845, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "few", "start": 344.37, "end": 344.69, "confidence": 0.99980456, "punctuated_word": "few", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "months", "start": 344.69, "end": 345.09, "confidence": 0.9987734, "punctuated_word": "months", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "later", "start": 345.09, "end": 345.59, "confidence": 0.9840406, "punctuated_word": "later,", "speaker": 3, "speaker_confidence": 0.96999836 } ], "speaker": 3, "id": "e8fb8c32-4c5f-41a0-9e9e-a6f378aaa3d2" }, { "start": 346.45, "end": 346.95, "confidence": 0.66803384, "channel": 0, "transcript": "Congress", "words": [ { "word": "congress", "start": 346.45, "end": 346.95, "confidence": 0.66803384, "punctuated_word": "Congress", "speaker": 3, "speaker_confidence": 0.96999836 } ], "speaker": 3, "id": "b1dfb106-48f6-4533-a2f7-44796d7f31f6" }, { "start": 347.49, "end": 348.38998, "confidence": 0.9989718, "channel": 0, "transcript": "used a", "words": [ { "word": "used", "start": 347.49, "end": 347.88998, "confidence": 0.9983004, "punctuated_word": "used", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "a", "start": 347.88998, "end": 348.38998, "confidence": 0.9996433, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.96999836 } ], "speaker": 3, "id": "93815233-a756-4ba9-b1c7-da395fa11e93" }, { "start": 349.09, "end": 352.31, "confidence": 0.92084837, "channel": 0, "transcript": "little known tool called the, Congressional", "words": [ { "word": "little", "start": 349.09, "end": 349.49, "confidence": 0.78460735, "punctuated_word": "little", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "known", "start": 349.49, "end": 349.99, "confidence": 0.9992607, "punctuated_word": "known", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "tool", "start": 350.21, "end": 350.69, "confidence": 0.999131, "punctuated_word": "tool", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "called", "start": 350.69, "end": 351.01, "confidence": 0.9965779, "punctuated_word": "called", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "the", "start": 351.01, "end": 351.51, "confidence": 0.85487217, "punctuated_word": "the,", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "congressional", "start": 351.81, "end": 352.31, "confidence": 0.89064115, "punctuated_word": "Congressional", "speaker": 3, "speaker_confidence": 0.96999836 } ], "speaker": 3, "id": "4fa36b93-50de-46de-a69b-2a83cc6a6df2" }, { "start": 352.85, "end": 353.83, "confidence": 0.965131, "channel": 0, "transcript": "Review Act", "words": [ { "word": "review", "start": 352.85, "end": 353.33, "confidence": 0.9545428, "punctuated_word": "Review", "speaker": 3, "speaker_confidence": 0.96999836 }, { "word": "act", "start": 353.33, "end": 353.83, "confidence": 0.97571915, "punctuated_word": "Act", "speaker": 3, "speaker_confidence": 0.96999836 } ], "speaker": 3, "id": "e7a76e69-fcc2-41a2-b3a5-5dca88af4dc4" }, { "start": 355.885, "end": 357.065, "confidence": 0.99103105, "channel": 0, "transcript": "to reverse the rules.", "words": [ { "word": "to", "start": 355.885, "end": 356.085, "confidence": 0.9993168, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "reverse", "start": 356.085, "end": 356.405, "confidence": 0.9993711, "punctuated_word": "reverse", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "the", "start": 356.405, "end": 356.565, "confidence": 0.9996799, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "rules", "start": 356.565, "end": 357.065, "confidence": 0.9657565, "punctuated_word": "rules.", "speaker": 3, "speaker_confidence": 0.99506736 } ], "speaker": 3, "id": "945be98e-c08f-4005-83b1-f9d3e3c3da7b" }, { "start": 357.685, "end": 360.345, "confidence": 0.9690913, "channel": 0, "transcript": "That sort of left a gap in protections,", "words": [ { "word": "that", "start": 357.685, "end": 358.085, "confidence": 0.9978807, "punctuated_word": "That", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "sort", "start": 358.085, "end": 358.245, "confidence": 0.97675556, "punctuated_word": "sort", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "of", "start": 358.245, "end": 358.405, "confidence": 0.9930935, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "left", "start": 358.405, "end": 358.905, "confidence": 0.9906645, "punctuated_word": "left", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "a", "start": 359.125, "end": 359.365, "confidence": 0.9987571, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "gap", "start": 359.365, "end": 359.685, "confidence": 0.9997876, "punctuated_word": "gap", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "in", "start": 359.685, "end": 359.845, "confidence": 0.847425, "punctuated_word": "in", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "protections", "start": 359.845, "end": 360.345, "confidence": 0.9483664, "punctuated_word": "protections,", "speaker": 3, "speaker_confidence": 0.99506736 } ], "speaker": 3, "id": "f8719845-43f7-4a12-a799-6183e2b12cd8" }, { "start": 360.805, "end": 363.785, "confidence": 0.9637803, "channel": 0, "transcript": "that states have been trying to step up and fill.", "words": [ { "word": "that", "start": 360.805, "end": 361.205, "confidence": 0.99782014, "punctuated_word": "that", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "states", "start": 361.205, "end": 361.525, "confidence": 0.92185676, "punctuated_word": "states", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "have", "start": 361.525, "end": 361.845, "confidence": 0.99895155, "punctuated_word": "have", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "been", "start": 361.845, "end": 362.245, "confidence": 0.99984384, "punctuated_word": "been", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "trying", "start": 362.245, "end": 362.565, "confidence": 0.99960893, "punctuated_word": "trying", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "to", "start": 362.565, "end": 362.645, "confidence": 0.99953616, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "step", "start": 362.645, "end": 362.965, "confidence": 0.9997646, "punctuated_word": "step", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "up", "start": 362.965, "end": 363.125, "confidence": 0.99945503, "punctuated_word": "up", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "and", "start": 363.125, "end": 363.285, "confidence": 0.9922391, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "fill", "start": 363.285, "end": 363.785, "confidence": 0.72872776, "punctuated_word": "fill.", "speaker": 3, "speaker_confidence": 0.99506736 } ], "speaker": 3, "id": "c59f19c6-640b-4307-b799-882d2f6fca23" }, { "start": 364.165, "end": 366.485, "confidence": 0.9133722, "channel": 0, "transcript": "And, a couple states that we've seen,", "words": [ { "word": "and", "start": 364.165, "end": 364.565, "confidence": 0.9564874, "punctuated_word": "And,", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "a", "start": 364.965, "end": 365.125, "confidence": 0.99839956, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "couple", "start": 365.125, "end": 365.445, "confidence": 0.9997557, "punctuated_word": "couple", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "states", "start": 365.445, "end": 365.685, "confidence": 0.62167764, "punctuated_word": "states", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "that", "start": 365.685, "end": 365.845, "confidence": 0.9859817, "punctuated_word": "that", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "we've", "start": 365.845, "end": 366.165, "confidence": 0.98974216, "punctuated_word": "we've", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "seen", "start": 366.165, "end": 366.485, "confidence": 0.84156173, "punctuated_word": "seen,", "speaker": 3, "speaker_confidence": 0.99506736 } ], "speaker": 3, "id": "a4e371ff-89db-4a5b-a5f7-18347da0a8df" }, { "start": 367.54, "end": 369.48, "confidence": 0.99282455, "channel": 0, "transcript": "with very thoughtful and and strong", "words": [ { "word": "with", "start": 367.54, "end": 367.78003, "confidence": 0.999851, "punctuated_word": "with", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "very", "start": 367.78003, "end": 368.02002, "confidence": 0.98419464, "punctuated_word": "very", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "thoughtful", "start": 368.02002, "end": 368.42, "confidence": 0.999866, "punctuated_word": "thoughtful", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "and", "start": 368.42, "end": 368.66, "confidence": 0.9946137, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "and", "start": 368.66, "end": 368.98, "confidence": 0.9791606, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "strong", "start": 368.98, "end": 369.48, "confidence": 0.99926156, "punctuated_word": "strong", "speaker": 3, "speaker_confidence": 0.99506736 } ], "speaker": 3, "id": "0a04df31-6813-4aa8-91bf-651535f01e73" }, { "start": 369.86002, "end": 379.08002, "confidence": 0.9413901, "channel": 0, "transcript": "attempts at that, Washington is one, Massachusetts is another. But really, we've seen, you know, dozens of states either have, a bill introduced", "words": [ { "word": "attempts", "start": 369.86002, "end": 370.34003, "confidence": 0.98960435, "punctuated_word": "attempts", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "at", "start": 370.34003, "end": 370.42, "confidence": 0.7642336, "punctuated_word": "at", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "that", "start": 370.42, "end": 370.82, "confidence": 0.7730231, "punctuated_word": "that,", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "washington", "start": 371.14, "end": 371.64, "confidence": 0.9995409, "punctuated_word": "Washington", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "is", "start": 371.78003, "end": 372.02002, "confidence": 0.98630035, "punctuated_word": "is", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "one", "start": 372.02002, "end": 372.34003, "confidence": 0.8664908, "punctuated_word": "one,", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "massachusetts", "start": 372.34003, "end": 372.84003, "confidence": 0.9978644, "punctuated_word": "Massachusetts", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "is", "start": 373.06003, "end": 373.22, "confidence": 0.9981698, "punctuated_word": "is", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "another", "start": 373.22, "end": 373.62003, "confidence": 0.7858064, "punctuated_word": "another.", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "but", "start": 373.62003, "end": 373.94, "confidence": 0.99906904, "punctuated_word": "But", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "really", "start": 373.94, "end": 374.26, "confidence": 0.6054881, "punctuated_word": "really,", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "we've", "start": 374.26, "end": 374.42, "confidence": 0.96390426, "punctuated_word": "we've", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "seen", "start": 374.42, "end": 374.92, "confidence": 0.99031085, "punctuated_word": "seen,", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "you", "start": 375.14, "end": 375.30002, "confidence": 0.99777764, "punctuated_word": "you", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "know", "start": 375.30002, "end": 375.54, "confidence": 0.9964014, "punctuated_word": "know,", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "dozens", "start": 375.54, "end": 376.04, "confidence": 0.99960107, "punctuated_word": "dozens", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "of", "start": 376.1, "end": 376.34003, "confidence": 0.9991769, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "states", "start": 376.34003, "end": 376.82, "confidence": 0.99260145, "punctuated_word": "states", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "either", "start": 376.82, "end": 377.30002, "confidence": 0.983679, "punctuated_word": "either", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "have", "start": 377.30002, "end": 377.78003, "confidence": 0.9661969, "punctuated_word": "have,", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "a", "start": 378.1, "end": 378.26, "confidence": 0.9989491, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "bill", "start": 378.26, "end": 378.58002, "confidence": 0.9980798, "punctuated_word": "bill", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "introduced", "start": 378.58002, "end": 379.08002, "confidence": 0.99970275, "punctuated_word": "introduced", "speaker": 3, "speaker_confidence": 0.99506736 } ], "speaker": 3, "id": "26cbc116-5aac-4135-83bf-63c50f0d82a3" }, { "start": 379.995, "end": 380.39502, "confidence": 0.9895085, "channel": 0, "transcript": "or,", "words": [ { "word": "or", "start": 379.995, "end": 380.39502, "confidence": 0.9895085, "punctuated_word": "or,", "speaker": 3, "speaker_confidence": 0.99506736 } ], "speaker": 3, "id": "ca3bece6-7c2b-4c1c-ba06-cc171c1f9b8c" }, { "start": 380.795, "end": 389.055, "confidence": 0.97537017, "channel": 0, "transcript": "have started a process of of drafting and trying to introduce a bill. Very cool. Definitely one that seems to be resonating then at the state level.", "words": [ { "word": "have", "start": 380.795, "end": 381.115, "confidence": 0.9979468, "punctuated_word": "have", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "started", "start": 381.115, "end": 381.515, "confidence": 0.9997441, "punctuated_word": "started", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "a", "start": 381.515, "end": 381.67502, "confidence": 0.99858946, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "process", "start": 381.67502, "end": 382.17502, "confidence": 0.99991703, "punctuated_word": "process", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "of", "start": 382.39502, "end": 382.875, "confidence": 0.99988616, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "of", "start": 382.875, "end": 383.115, "confidence": 0.97873473, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "drafting", "start": 383.115, "end": 383.595, "confidence": 0.9998832, "punctuated_word": "drafting", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "and", "start": 383.595, "end": 383.835, "confidence": 0.99672383, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "trying", "start": 383.835, "end": 384.155, "confidence": 0.9994221, "punctuated_word": "trying", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "to", "start": 384.155, "end": 384.315, "confidence": 0.9996995, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "introduce", "start": 384.315, "end": 384.795, "confidence": 0.9994086, "punctuated_word": "introduce", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "a", "start": 384.795, "end": 384.875, "confidence": 0.798113, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "bill", "start": 384.875, "end": 385.375, "confidence": 0.99786144, "punctuated_word": "bill.", "speaker": 3, "speaker_confidence": 0.99506736 }, { "word": "very", "start": 385.595, "end": 385.835, "confidence": 0.99542314, "punctuated_word": "Very", "speaker": 2, "speaker_confidence": 0.5064195 }, { "word": "cool", "start": 385.835, "end": 386.155, "confidence": 0.9966447, "punctuated_word": "cool.", "speaker": 2, "speaker_confidence": 0.5064195 }, { "word": "definitely", "start": 386.155, "end": 386.475, "confidence": 0.9985631, "punctuated_word": "Definitely", "speaker": 2, "speaker_confidence": 0.5064195 }, { "word": "one", "start": 386.475, "end": 386.635, "confidence": 0.9293405, "punctuated_word": "one", "speaker": 2, "speaker_confidence": 0.5064195 }, { "word": "that", "start": 386.635, "end": 386.795, "confidence": 0.9987375, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.5064195 }, { "word": "seems", "start": 386.795, "end": 386.95502, "confidence": 0.9961415, "punctuated_word": "seems", "speaker": 2, "speaker_confidence": 0.5064195 }, { "word": "to", "start": 386.95502, "end": 387.115, "confidence": 0.985174, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "be", "start": 387.115, "end": 387.195, "confidence": 0.9637628, "punctuated_word": "be", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "resonating", "start": 387.195, "end": 387.695, "confidence": 0.9994638, "punctuated_word": "resonating", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "then", "start": 387.835, "end": 388.075, "confidence": 0.7186118, "punctuated_word": "then", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "at", "start": 388.075, "end": 388.155, "confidence": 0.99249375, "punctuated_word": "at", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "the", "start": 388.155, "end": 388.315, "confidence": 0.99903774, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "state", "start": 388.315, "end": 388.555, "confidence": 0.9968148, "punctuated_word": "state", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "level", "start": 388.555, "end": 389.055, "confidence": 0.9988548, "punctuated_word": "level.", "speaker": 2, "speaker_confidence": 0.6504867 } ], "speaker": 2, "id": "44b1a56c-29d4-4b9f-8bc4-c640146ea250" }, { "start": 389.435, "end": 398.62997, "confidence": 0.9346359, "channel": 0, "transcript": "Another one that y'all mentioned to me happening that people are acting on are are the Internet of things, you know, the kind of that term and and devices. What's what have you been doing in that space?", "words": [ { "word": "another", "start": 389.435, "end": 389.755, "confidence": 0.99855894, "punctuated_word": "Another", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "one", "start": 389.755, "end": 389.995, "confidence": 0.9943346, "punctuated_word": "one", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "that", "start": 389.995, "end": 390.075, "confidence": 0.97450453, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.6504867 }, { "word": "y'all", "start": 390.075, "end": 390.39502, "confidence": 0.9130313, "punctuated_word": "y'all", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "mentioned", "start": 390.39502, "end": 390.715, "confidence": 0.9802303, "punctuated_word": "mentioned", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "to", "start": 390.715, "end": 390.875, "confidence": 0.9974481, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "me", "start": 390.875, "end": 391.115, "confidence": 0.99798137, "punctuated_word": "me", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "happening", "start": 391.115, "end": 391.435, "confidence": 0.9942206, "punctuated_word": "happening", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "that", "start": 391.435, "end": 391.595, "confidence": 0.8714239, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "people", "start": 391.595, "end": 391.835, "confidence": 0.99883765, "punctuated_word": "people", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "are", "start": 391.835, "end": 391.915, "confidence": 0.96814597, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "acting", "start": 391.915, "end": 392.23502, "confidence": 0.99672157, "punctuated_word": "acting", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "on", "start": 392.23502, "end": 392.39502, "confidence": 0.9265957, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "are", "start": 392.39502, "end": 392.61, "confidence": 0.6750644, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "are", "start": 392.93, "end": 393.09, "confidence": 0.81334955, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "the", "start": 393.09, "end": 393.16998, "confidence": 0.72986406, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "internet", "start": 393.16998, "end": 393.49, "confidence": 0.9672152, "punctuated_word": "Internet", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "of", "start": 393.49, "end": 393.65, "confidence": 0.9988286, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "things", "start": 393.65, "end": 393.96997, "confidence": 0.6905539, "punctuated_word": "things,", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "you", "start": 393.96997, "end": 394.12997, "confidence": 0.997785, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "know", "start": 394.12997, "end": 394.28998, "confidence": 0.98481077, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "the", "start": 394.28998, "end": 394.37, "confidence": 0.7059623, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.6618248 }, { "word": "kind", "start": 394.37, "end": 394.53, "confidence": 0.92505187, "punctuated_word": "kind", "speaker": 2, "speaker_confidence": 0.60540175 }, { "word": "of", "start": 394.53, "end": 394.68997, "confidence": 0.99769706, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.60540175 }, { "word": "that", "start": 394.68997, "end": 394.84998, "confidence": 0.98283815, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.60540175 }, { "word": "term", "start": 394.84998, "end": 395.16998, "confidence": 0.99902976, "punctuated_word": "term", "speaker": 2, "speaker_confidence": 0.60540175 }, { "word": "and", "start": 395.16998, "end": 395.33, "confidence": 0.7516274, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.60540175 }, { "word": "and", "start": 395.33, "end": 395.65, "confidence": 0.9212453, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.60540175 }, { "word": "devices", "start": 395.65, "end": 396.15, "confidence": 0.97147715, "punctuated_word": "devices.", "speaker": 2, "speaker_confidence": 0.60540175 }, { "word": "what's", "start": 396.37, "end": 396.84998, "confidence": 0.80067945, "punctuated_word": "What's", "speaker": 2, "speaker_confidence": 0.5830732 }, { "word": "what", "start": 397.00998, "end": 397.16998, "confidence": 0.99693644, "punctuated_word": "what", "speaker": 2, "speaker_confidence": 0.5830732 }, { "word": "have", "start": 397.16998, "end": 397.40997, "confidence": 0.9980958, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 0.5830732 }, { "word": "you", "start": 397.40997, "end": 397.49, "confidence": 0.9997826, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.5830732 }, { "word": "been", "start": 397.49, "end": 397.65, "confidence": 0.99897885, "punctuated_word": "been", "speaker": 2, "speaker_confidence": 0.5830732 }, { "word": "doing", "start": 397.65, "end": 397.81, "confidence": 0.99986315, "punctuated_word": "doing", "speaker": 2, "speaker_confidence": 0.5830732 }, { "word": "in", "start": 397.81, "end": 397.96997, "confidence": 0.9984692, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.5830732 }, { "word": "that", "start": 397.96997, "end": 398.12997, "confidence": 0.99981827, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.5830732 }, { "word": "space", "start": 398.12997, "end": 398.62997, "confidence": 0.999098, "punctuated_word": "space?", "speaker": 2, "speaker_confidence": 0.5830732 } ], "speaker": 2, "id": "76ef364a-7fe5-4e8c-bb0f-49e7fd6fe102" }, { "start": 399.25, "end": 406.96, "confidence": 0.9132799, "channel": 0, "transcript": "Yeah. So California actually is taking the lead on this. They have a new bill that they've been working on and and revising in the past weeks called, the Teddy Baron Toaster Bill, which focuses on yeah.", "words": [ { "word": "yeah", "start": 399.25, "end": 399.49, "confidence": 0.7391779, "punctuated_word": "Yeah.", "speaker": 0, "speaker_confidence": 0.525282 }, { "word": "so", "start": 399.49, "end": 399.88998, "confidence": 0.9992329, "punctuated_word": "So", "speaker": 0, "speaker_confidence": 0.525282 }, { "word": "california", "start": 399.88998, "end": 400.38998, "confidence": 0.99296993, "punctuated_word": "California", "speaker": 0, "speaker_confidence": 0.525282 }, { "word": "actually", "start": 400.53, "end": 400.77, "confidence": 0.87793016, "punctuated_word": "actually", "speaker": 0, "speaker_confidence": 0.525282 }, { "word": "is", "start": 400.77, "end": 400.84998, "confidence": 0.65422046, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.5309933 }, { "word": "taking", "start": 400.84998, "end": 401.16998, "confidence": 0.9872596, "punctuated_word": "taking", "speaker": 0, "speaker_confidence": 0.5309933 }, { "word": "the", "start": 401.16998, "end": 401.25, "confidence": 0.71453285, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.5309933 }, { "word": "lead", "start": 401.25, "end": 401.40997, "confidence": 0.9997801, "punctuated_word": "lead", "speaker": 0, "speaker_confidence": 0.5309933 }, { "word": "on", "start": 401.40997, "end": 401.56998, "confidence": 0.99964285, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 0.5309933 }, { "word": "this", "start": 401.56998, "end": 401.81, "confidence": 0.9961704, "punctuated_word": "this.", "speaker": 0, "speaker_confidence": 0.5309933 }, { "word": "they", "start": 401.81, "end": 401.88998, "confidence": 0.998809, "punctuated_word": "They", "speaker": 0, "speaker_confidence": 0.5309933 }, { "word": "have", "start": 401.88998, "end": 402.05, "confidence": 0.99973196, "punctuated_word": "have", "speaker": 0, "speaker_confidence": 0.5309933 }, { "word": "a", "start": 402.05, "end": 402.12997, "confidence": 0.99926096, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "new", "start": 402.12997, "end": 402.37, "confidence": 0.9997118, "punctuated_word": "new", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "bill", "start": 402.37, "end": 402.53, "confidence": 0.9976546, "punctuated_word": "bill", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "that", "start": 402.53, "end": 402.77, "confidence": 0.9986833, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "they've", "start": 402.77, "end": 402.93, "confidence": 0.9981184, "punctuated_word": "they've", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "been", "start": 402.93, "end": 403.09, "confidence": 0.9996302, "punctuated_word": "been", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "working", "start": 403.09, "end": 403.40997, "confidence": 0.99957424, "punctuated_word": "working", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "on", "start": 403.40997, "end": 403.65, "confidence": 0.993414, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "and", "start": 403.65, "end": 403.81, "confidence": 0.9818132, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "and", "start": 403.81, "end": 404.05, "confidence": 0.95643234, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "revising", "start": 404.05, "end": 404.55, "confidence": 0.99960685, "punctuated_word": "revising", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "in", "start": 404.61, "end": 404.77, "confidence": 0.9972494, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "the", "start": 404.77, "end": 404.93, "confidence": 0.9956827, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "past", "start": 404.93, "end": 405.16998, "confidence": 0.9989242, "punctuated_word": "past", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "weeks", "start": 405.16998, "end": 405.49, "confidence": 0.9764697, "punctuated_word": "weeks", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "called", "start": 405.49, "end": 405.99, "confidence": 0.97375023, "punctuated_word": "called,", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "the", "start": 406.06778, "end": 406.08554, "confidence": 0.973751, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.6088732 }, { "word": "teddy", "start": 406.08554, "end": 406.10333, "confidence": 0.85541826, "punctuated_word": "Teddy", "speaker": 0, "speaker_confidence": 0.71027577 }, { "word": "baron", "start": 406.10333, "end": 406.1211, "confidence": 0.78005147, "punctuated_word": "Baron", "speaker": 0, "speaker_confidence": 0.71027577 }, { "word": "toaster", "start": 406.1211, "end": 406.1389, "confidence": 0.8638859, "punctuated_word": "Toaster", "speaker": 0, "speaker_confidence": 0.71027577 }, { "word": "bill", "start": 406.1389, "end": 406.15665, "confidence": 0.69048095, "punctuated_word": "Bill,", "speaker": 0, "speaker_confidence": 0.71027577 }, { "word": "which", "start": 406.15665, "end": 406.17444, "confidence": 0.8137841, "punctuated_word": "which", "speaker": 0, "speaker_confidence": 0.71027577 }, { "word": "focuses", "start": 406.17444, "end": 406.1922, "confidence": 0.5739901, "punctuated_word": "focuses", "speaker": 0, "speaker_confidence": 0.71027577 }, { "word": "on", "start": 406.1922, "end": 406.21, "confidence": 0.65959954, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 0.71027577 }, { "word": "yeah", "start": 406.46, "end": 406.96, "confidence": 0.75495994, "punctuated_word": "yeah.", "speaker": 0, "speaker_confidence": 0.71027577 } ], "speaker": 0, "id": "e25a7f4c-9967-450d-b41b-bdd45d797172" }, { "start": 408.315, "end": 417.695, "confidence": 0.9107896, "channel": 0, "transcript": "Focuses on Yeah, good name. Focuses on data collection, consent, and disclosure requirements for smart devices covering everything from teddy bears to toasters, as you might imagine.", "words": [ { "word": "focuses", "start": 408.315, "end": 408.475, "confidence": 0.81490886, "punctuated_word": "Focuses", "speaker": 0, "speaker_confidence": 0.71027577 }, { "word": "on", "start": 408.475, "end": 408.755, "confidence": 0.7437811, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 0.71027577 }, { "word": "yeah", "start": 409.035, "end": 409.535, "confidence": 0.6305816, "punctuated_word": "Yeah,", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "good", "start": 409.67502, "end": 409.915, "confidence": 0.8613152, "punctuated_word": "good", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "name", "start": 409.915, "end": 410.415, "confidence": 0.82278174, "punctuated_word": "name.", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "focuses", "start": 410.635, "end": 410.95502, "confidence": 0.5434584, "punctuated_word": "Focuses", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "on", "start": 410.95502, "end": 411.195, "confidence": 0.9987173, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "data", "start": 411.195, "end": 411.435, "confidence": 0.9963786, "punctuated_word": "data", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "collection", "start": 411.435, "end": 411.915, "confidence": 0.90952075, "punctuated_word": "collection,", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "consent", "start": 411.915, "end": 412.315, "confidence": 0.85775983, "punctuated_word": "consent,", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "and", "start": 412.315, "end": 412.55502, "confidence": 0.9992454, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "disclosure", "start": 412.55502, "end": 413.05502, "confidence": 0.9993401, "punctuated_word": "disclosure", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "requirements", "start": 413.11502, "end": 413.515, "confidence": 0.9986039, "punctuated_word": "requirements", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "for", "start": 413.515, "end": 413.67502, "confidence": 0.9959787, "punctuated_word": "for", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "smart", "start": 413.67502, "end": 413.99503, "confidence": 0.99816185, "punctuated_word": "smart", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "devices", "start": 413.99503, "end": 414.39502, "confidence": 0.99912745, "punctuated_word": "devices", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "covering", "start": 414.39502, "end": 414.71503, "confidence": 0.6382539, "punctuated_word": "covering", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "everything", "start": 414.71503, "end": 415.21503, "confidence": 0.9994904, "punctuated_word": "everything", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "from", "start": 415.27502, "end": 415.595, "confidence": 0.9973475, "punctuated_word": "from", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "teddy", "start": 415.595, "end": 415.915, "confidence": 0.98548293, "punctuated_word": "teddy", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "bears", "start": 415.915, "end": 416.23502, "confidence": 0.9994548, "punctuated_word": "bears", "speaker": 0, "speaker_confidence": 0.72216904 }, { "word": "to", "start": 416.23502, "end": 416.315, "confidence": 0.99224854, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.6001198 }, { "word": "toasters", "start": 416.315, "end": 416.71503, "confidence": 0.85085183, "punctuated_word": "toasters,", "speaker": 0, "speaker_confidence": 0.6001198 }, { "word": "as", "start": 416.71503, "end": 416.875, "confidence": 0.9951864, "punctuated_word": "as", "speaker": 0, "speaker_confidence": 0.6001198 }, { "word": "you", "start": 416.875, "end": 416.95502, "confidence": 0.9998122, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 0.6001198 }, { "word": "might", "start": 416.95502, "end": 417.195, "confidence": 0.999382, "punctuated_word": "might", "speaker": 0, "speaker_confidence": 0.6001198 }, { "word": "imagine", "start": 417.195, "end": 417.695, "confidence": 0.9641504, "punctuated_word": "imagine.", "speaker": 0, "speaker_confidence": 0.6001198 } ], "speaker": 0, "id": "bf95ea8a-d23b-4fde-96f0-6119b096c2d7" }, { "start": 418.155, "end": 425.66998, "confidence": 0.97309595, "channel": 0, "transcript": "But notably, it doesn't cover connected cars, which is an area where the federal government has had some leadership through the Department of Transportation,", "words": [ { "word": "but", "start": 418.155, "end": 418.39502, "confidence": 0.9921205, "punctuated_word": "But", "speaker": 0, "speaker_confidence": 0.6259503 }, { "word": "notably", "start": 418.39502, "end": 418.875, "confidence": 0.7681936, "punctuated_word": "notably,", "speaker": 0, "speaker_confidence": 0.6259503 }, { "word": "it", "start": 418.875, "end": 418.95502, "confidence": 0.99946254, "punctuated_word": "it", "speaker": 0, "speaker_confidence": 0.6259503 }, { "word": "doesn't", "start": 418.95502, "end": 419.27502, "confidence": 0.9995613, "punctuated_word": "doesn't", "speaker": 0, "speaker_confidence": 0.6259503 }, { "word": "cover", "start": 419.27502, "end": 419.515, "confidence": 0.9998022, "punctuated_word": "cover", "speaker": 0, "speaker_confidence": 0.6259503 }, { "word": "connected", "start": 419.515, "end": 419.99503, "confidence": 0.99636805, "punctuated_word": "connected", "speaker": 0, "speaker_confidence": 0.6259503 }, { "word": "cars", "start": 419.99503, "end": 420.49503, "confidence": 0.9747107, "punctuated_word": "cars,", "speaker": 0, "speaker_confidence": 0.6259503 }, { "word": "which", "start": 420.795, "end": 421.035, "confidence": 0.999666, "punctuated_word": "which", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "is", "start": 421.035, "end": 421.195, "confidence": 0.99882597, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "an", "start": 421.195, "end": 421.27502, "confidence": 0.9976973, "punctuated_word": "an", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "area", "start": 421.27502, "end": 421.595, "confidence": 0.9995914, "punctuated_word": "area", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "where", "start": 421.595, "end": 421.83502, "confidence": 0.99913776, "punctuated_word": "where", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 421.83502, "end": 421.99503, "confidence": 0.99933857, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "federal", "start": 421.99503, "end": 422.315, "confidence": 0.89247715, "punctuated_word": "federal", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "government", "start": 422.315, "end": 422.71503, "confidence": 0.99958855, "punctuated_word": "government", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "has", "start": 422.71503, "end": 422.875, "confidence": 0.9995566, "punctuated_word": "has", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "had", "start": 422.875, "end": 423.035, "confidence": 0.9985024, "punctuated_word": "had", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "some", "start": 423.035, "end": 423.195, "confidence": 0.99812645, "punctuated_word": "some", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "leadership", "start": 423.195, "end": 423.67502, "confidence": 0.99967337, "punctuated_word": "leadership", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "through", "start": 423.67502, "end": 424.05, "confidence": 0.9926685, "punctuated_word": "through", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 424.12997, "end": 424.21, "confidence": 0.9947241, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "department", "start": 424.21, "end": 424.53, "confidence": 0.95592606, "punctuated_word": "Department", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "of", "start": 424.53, "end": 425.03, "confidence": 0.99693644, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "transportation", "start": 425.16998, "end": 425.66998, "confidence": 0.8016449, "punctuated_word": "Transportation,", "speaker": 0, "speaker_confidence": 1.0 } ], "speaker": 0, "id": "319f3c4d-197c-4a9c-9490-02d84e6ec537" }, { "start": 425.97, "end": 444.935, "confidence": 0.9575458, "channel": 0, "transcript": "the FTC is stepping up regulation there, and we haven't seen the states really make a big push on this as of yet. So, they are, however, responsive to the IOT and security issues that we've been seeing. So it's not only a privacy issue, but a security one as well for the states. If you look at something like the Mirai botnet we saw a few months ago that shut down", "words": [ { "word": "the", "start": 425.97, "end": 426.12997, "confidence": 0.9895425, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "ftc", "start": 426.12997, "end": 426.53, "confidence": 0.9917801, "punctuated_word": "FTC", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "is", "start": 426.53, "end": 426.69, "confidence": 0.9903014, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "stepping", "start": 426.69, "end": 426.93, "confidence": 0.99769294, "punctuated_word": "stepping", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "up", "start": 426.93, "end": 427.16998, "confidence": 0.9985214, "punctuated_word": "up", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "regulation", "start": 427.16998, "end": 427.56998, "confidence": 0.99290234, "punctuated_word": "regulation", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "there", "start": 427.56998, "end": 427.81, "confidence": 0.8328577, "punctuated_word": "there,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "and", "start": 427.81, "end": 428.05, "confidence": 0.9982779, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "we", "start": 428.05, "end": 428.21, "confidence": 0.9992754, "punctuated_word": "we", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "haven't", "start": 428.21, "end": 428.53, "confidence": 0.999086, "punctuated_word": "haven't", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "seen", "start": 428.53, "end": 428.84998, "confidence": 0.99500054, "punctuated_word": "seen", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 428.84998, "end": 428.93, "confidence": 0.997618, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "states", "start": 428.93, "end": 429.33, "confidence": 0.9057431, "punctuated_word": "states", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "really", "start": 429.33, "end": 429.81, "confidence": 0.9443127, "punctuated_word": "really", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "make", "start": 429.81, "end": 430.05, "confidence": 0.8101067, "punctuated_word": "make", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 430.05, "end": 430.12997, "confidence": 0.9977847, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "big", "start": 430.12997, "end": 430.28998, "confidence": 0.99482226, "punctuated_word": "big", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "push", "start": 430.28998, "end": 430.53, "confidence": 0.99955696, "punctuated_word": "push", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "on", "start": 430.53, "end": 430.61, "confidence": 0.9970067, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "this", "start": 430.61, "end": 430.84998, "confidence": 0.9973923, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "as", "start": 430.84998, "end": 431.00998, "confidence": 0.98616993, "punctuated_word": "as", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "of", "start": 431.00998, "end": 431.25, "confidence": 0.9961274, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "yet", "start": 431.25, "end": 431.56998, "confidence": 0.9317441, "punctuated_word": "yet.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "so", "start": 431.56998, "end": 432.05, "confidence": 0.79648983, "punctuated_word": "So,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "they", "start": 432.21, "end": 432.37, "confidence": 0.9986077, "punctuated_word": "they", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "are", "start": 432.37, "end": 432.61, "confidence": 0.83708084, "punctuated_word": "are,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "however", "start": 432.61, "end": 433.09, "confidence": 0.994853, "punctuated_word": "however,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "responsive", "start": 433.09, "end": 433.59, "confidence": 0.99845934, "punctuated_word": "responsive", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 433.72998, "end": 434.22998, "confidence": 0.99525154, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 434.28998, "end": 434.53, "confidence": 0.99073774, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "iot", "start": 434.53, "end": 435.00998, "confidence": 0.7659627, "punctuated_word": "IOT", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "and", "start": 435.00998, "end": 435.16998, "confidence": 0.6431133, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "security", "start": 435.16998, "end": 435.56998, "confidence": 0.9960886, "punctuated_word": "security", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "issues", "start": 435.56998, "end": 435.88998, "confidence": 0.9988539, "punctuated_word": "issues", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "that", "start": 435.88998, "end": 436.05, "confidence": 0.9781432, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "we've", "start": 436.05, "end": 436.21, "confidence": 0.9770949, "punctuated_word": "we've", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "been", "start": 436.21, "end": 436.37, "confidence": 0.9970643, "punctuated_word": "been", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "seeing", "start": 436.37, "end": 436.53, "confidence": 0.88609517, "punctuated_word": "seeing.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "so", "start": 436.53, "end": 436.69, "confidence": 0.9884115, "punctuated_word": "So", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "it's", "start": 436.69, "end": 436.84998, "confidence": 0.97055244, "punctuated_word": "it's", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "not", "start": 436.84998, "end": 437.00998, "confidence": 0.9954016, "punctuated_word": "not", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "only", "start": 437.00998, "end": 437.33, "confidence": 0.9858397, "punctuated_word": "only", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 437.33, "end": 437.40997, "confidence": 0.912625, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 437.40997, "end": 437.90997, "confidence": 0.99402535, "punctuated_word": "privacy", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "issue", "start": 437.955, "end": 438.19498, "confidence": 0.82338834, "punctuated_word": "issue,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "but", "start": 438.19498, "end": 438.35498, "confidence": 0.99818736, "punctuated_word": "but", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 438.35498, "end": 438.435, "confidence": 0.97188145, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "security", "start": 438.435, "end": 438.91498, "confidence": 0.9995933, "punctuated_word": "security", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "one", "start": 438.91498, "end": 439.155, "confidence": 0.994735, "punctuated_word": "one", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "as", "start": 439.155, "end": 439.235, "confidence": 0.9647708, "punctuated_word": "as", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "well", "start": 439.235, "end": 439.47498, "confidence": 0.9998385, "punctuated_word": "well", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "for", "start": 439.47498, "end": 439.63498, "confidence": 0.9858525, "punctuated_word": "for", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 439.63498, "end": 439.715, "confidence": 0.9965932, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "states", "start": 439.715, "end": 440.115, "confidence": 0.9619406, "punctuated_word": "states.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "if", "start": 440.435, "end": 440.595, "confidence": 0.973449, "punctuated_word": "If", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "you", "start": 440.595, "end": 440.675, "confidence": 0.9974842, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "look", "start": 440.675, "end": 440.91498, "confidence": 0.9981316, "punctuated_word": "look", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "at", "start": 440.91498, "end": 440.995, "confidence": 0.99717975, "punctuated_word": "at", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "something", "start": 440.995, "end": 441.495, "confidence": 0.99845135, "punctuated_word": "something", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "like", "start": 441.79498, "end": 442.03497, "confidence": 0.9832755, "punctuated_word": "like", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 442.03497, "end": 442.19498, "confidence": 0.99366367, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "mirai", "start": 442.19498, "end": 442.51498, "confidence": 0.96882623, "punctuated_word": "Mirai", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "botnet", "start": 442.51498, "end": 442.91498, "confidence": 0.9384948, "punctuated_word": "botnet", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "we", "start": 442.91498, "end": 443.07498, "confidence": 0.67273724, "punctuated_word": "we", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "saw", "start": 443.07498, "end": 443.235, "confidence": 0.99873763, "punctuated_word": "saw", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 443.235, "end": 443.31497, "confidence": 0.99288094, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "few", "start": 443.31497, "end": 443.47498, "confidence": 0.9994456, "punctuated_word": "few", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "months", "start": 443.47498, "end": 443.715, "confidence": 0.9989649, "punctuated_word": "months", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "ago", "start": 443.715, "end": 444.03497, "confidence": 0.99968326, "punctuated_word": "ago", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "that", "start": 444.03497, "end": 444.275, "confidence": 0.78943634, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "shut", "start": 444.275, "end": 444.435, "confidence": 0.90532935, "punctuated_word": "shut", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "down", "start": 444.435, "end": 444.935, "confidence": 0.99597687, "punctuated_word": "down", "speaker": 0, "speaker_confidence": 1.0 } ], "speaker": 0, "id": "6e062f21-537c-4c5e-9669-1071f65b22ab" }, { "start": 445.395, "end": 448.935, "confidence": 0.8959437, "channel": 0, "transcript": "Netflix among other major companies on the East Coast for quite a while,", "words": [ { "word": "netflix", "start": 445.395, "end": 445.895, "confidence": 0.49373844, "punctuated_word": "Netflix", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "among", "start": 445.955, "end": 446.19498, "confidence": 0.8229423, "punctuated_word": "among", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "other", "start": 446.19498, "end": 446.435, "confidence": 0.98653316, "punctuated_word": "other", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "major", "start": 446.435, "end": 446.75497, "confidence": 0.9968027, "punctuated_word": "major", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "companies", "start": 446.75497, "end": 447.155, "confidence": 0.9986118, "punctuated_word": "companies", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "on", "start": 447.155, "end": 447.31497, "confidence": 0.991211, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "the", "start": 447.31497, "end": 447.47498, "confidence": 0.9991653, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "east", "start": 447.47498, "end": 447.63498, "confidence": 0.6992883, "punctuated_word": "East", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "coast", "start": 447.63498, "end": 447.955, "confidence": 0.89215153, "punctuated_word": "Coast", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "for", "start": 447.955, "end": 448.115, "confidence": 0.9940361, "punctuated_word": "for", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "quite", "start": 448.115, "end": 448.35498, "confidence": 0.9902097, "punctuated_word": "quite", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 448.35498, "end": 448.435, "confidence": 0.9258696, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "while", "start": 448.435, "end": 448.935, "confidence": 0.8567079, "punctuated_word": "while,", "speaker": 0, "speaker_confidence": 1.0 } ], "speaker": 0, "id": "072b771e-b4cb-41e8-bc10-e5d6faa75b53" }, { "start": 449.555, "end": 470.175, "confidence": 0.9814091, "channel": 0, "transcript": "these states, particularly California, is stepping up to institute some kind of data security measures, to stop these botnets from happening. Okay. Do do either of you know who Teddy Ruxpin is? I've heard the name. Oh, gosh. You're all so young. Anyway, connected devices. Teddy was so ahead of his time. That's right. That's right. So, Vijay, you were also just in Springfield.", "words": [ { "word": "these", "start": 449.555, "end": 449.79498, "confidence": 0.9951373, "punctuated_word": "these", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "states", "start": 449.79498, "end": 450.19498, "confidence": 0.8725419, "punctuated_word": "states,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "particularly", "start": 450.19498, "end": 450.69498, "confidence": 0.99640274, "punctuated_word": "particularly", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "california", "start": 450.75497, "end": 451.25497, "confidence": 0.8826196, "punctuated_word": "California,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "is", "start": 451.44, "end": 451.74734, "confidence": 0.9901142, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "stepping", "start": 451.74734, "end": 452.05472, "confidence": 0.9997632, "punctuated_word": "stepping", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "up", "start": 452.05472, "end": 452.36206, "confidence": 0.9995796, "punctuated_word": "up", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 452.36206, "end": 452.6694, "confidence": 0.99938357, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "institute", "start": 452.6694, "end": 452.97678, "confidence": 0.9757464, "punctuated_word": "institute", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "some", "start": 452.97678, "end": 453.28412, "confidence": 0.9998078, "punctuated_word": "some", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "kind", "start": 453.28412, "end": 453.59146, "confidence": 0.99794656, "punctuated_word": "kind", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "of", "start": 453.59146, "end": 453.89883, "confidence": 0.9998317, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "data", "start": 453.89883, "end": 454.20618, "confidence": 0.99908686, "punctuated_word": "data", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "security", "start": 454.20618, "end": 454.51352, "confidence": 0.99977213, "punctuated_word": "security", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "measures", "start": 454.51352, "end": 454.8209, "confidence": 0.9881988, "punctuated_word": "measures,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 455.12823, "end": 455.43558, "confidence": 0.99971896, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "stop", "start": 455.43558, "end": 455.74295, "confidence": 0.9998485, "punctuated_word": "stop", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "these", "start": 455.74295, "end": 456.0503, "confidence": 0.9990978, "punctuated_word": "these", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "botnets", "start": 456.0503, "end": 456.35764, "confidence": 0.96714944, "punctuated_word": "botnets", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "from", "start": 456.35764, "end": 456.665, "confidence": 0.9998155, "punctuated_word": "from", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "happening", "start": 456.665, "end": 456.97235, "confidence": 0.9995686, "punctuated_word": "happening.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "okay", "start": 456.97235, "end": 457.2797, "confidence": 0.99633235, "punctuated_word": "Okay.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "do", "start": 457.2797, "end": 457.58707, "confidence": 0.9952413, "punctuated_word": "Do", "speaker": 3, "speaker_confidence": 0.0 }, { "word": "do", "start": 457.58707, "end": 457.8944, "confidence": 0.9841118, "punctuated_word": "do", "speaker": 2, "speaker_confidence": 0.027643442 }, { "word": "either", "start": 457.8944, "end": 458.20175, "confidence": 0.9914493, "punctuated_word": "either", "speaker": 2, "speaker_confidence": 0.027643442 }, { "word": "of", "start": 458.20175, "end": 458.50912, "confidence": 0.9914225, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.55647147 }, { "word": "you", "start": 458.50912, "end": 458.81647, "confidence": 0.99880457, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.55647147 }, { "word": "know", "start": 458.81647, "end": 459.1238, "confidence": 0.9989513, "punctuated_word": "know", "speaker": 2, "speaker_confidence": 0.55647147 }, { "word": "who", "start": 459.1238, "end": 459.43118, "confidence": 0.99890363, "punctuated_word": "who", "speaker": 2, "speaker_confidence": 0.55647147 }, { "word": "teddy", "start": 459.43118, "end": 459.73853, "confidence": 0.992605, "punctuated_word": "Teddy", "speaker": 2, "speaker_confidence": 0.55647147 }, { "word": "ruxpin", "start": 459.73853, "end": 460.04587, "confidence": 0.9927073, "punctuated_word": "Ruxpin", "speaker": 2, "speaker_confidence": 0.55647147 }, { "word": "is", "start": 460.04587, "end": 460.35324, "confidence": 0.9993098, "punctuated_word": "is?", "speaker": 2, "speaker_confidence": 0.55647147 }, { "word": "i've", "start": 460.35324, "end": 460.66058, "confidence": 0.9991609, "punctuated_word": "I've", "speaker": 2, "speaker_confidence": 0.55647147 }, { "word": "heard", "start": 460.66058, "end": 460.96793, "confidence": 0.9997886, "punctuated_word": "heard", "speaker": 2, "speaker_confidence": 0.55647147 }, { "word": "the", "start": 460.96793, "end": 461.2753, "confidence": 0.9986895, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.31348366 }, { "word": "name", "start": 461.2753, "end": 461.58264, "confidence": 0.9972385, "punctuated_word": "name.", "speaker": 0, "speaker_confidence": 0.31348366 }, { "word": "oh", "start": 461.58264, "end": 461.88998, "confidence": 0.94106317, "punctuated_word": "Oh,", "speaker": 1, "speaker_confidence": 0.16319776 }, { "word": "gosh", "start": 461.88998, "end": 462.19736, "confidence": 0.99658257, "punctuated_word": "gosh.", "speaker": 1, "speaker_confidence": 0.16319776 }, { "word": "you're", "start": 462.19736, "end": 462.5047, "confidence": 0.99733514, "punctuated_word": "You're", "speaker": 1, "speaker_confidence": 0.16319776 }, { "word": "all", "start": 462.5047, "end": 462.81204, "confidence": 0.875984, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.16319776 }, { "word": "so", "start": 462.81204, "end": 463.11942, "confidence": 0.99862397, "punctuated_word": "so", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "young", "start": 463.11942, "end": 463.42676, "confidence": 0.9811367, "punctuated_word": "young.", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "anyway", "start": 463.42676, "end": 463.7341, "confidence": 0.987671, "punctuated_word": "Anyway,", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "connected", "start": 463.7341, "end": 464.04147, "confidence": 0.93254346, "punctuated_word": "connected", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "devices", "start": 464.04147, "end": 464.34882, "confidence": 0.8921211, "punctuated_word": "devices.", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "teddy", "start": 464.34882, "end": 464.65616, "confidence": 0.99526393, "punctuated_word": "Teddy", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "was", "start": 464.65616, "end": 464.96353, "confidence": 0.9994398, "punctuated_word": "was", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "so", "start": 464.96353, "end": 465.27087, "confidence": 0.9990382, "punctuated_word": "so", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "ahead", "start": 465.27087, "end": 465.57822, "confidence": 0.9998215, "punctuated_word": "ahead", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "of", "start": 465.57822, "end": 465.8856, "confidence": 0.99933076, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "his", "start": 465.8856, "end": 466.19293, "confidence": 0.988372, "punctuated_word": "his", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "time", "start": 466.19293, "end": 466.50027, "confidence": 0.9982042, "punctuated_word": "time.", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "that's", "start": 466.50027, "end": 466.80765, "confidence": 0.96797657, "punctuated_word": "That's", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "right", "start": 466.80765, "end": 467.115, "confidence": 0.9969932, "punctuated_word": "right.", "speaker": 2, "speaker_confidence": 0.6600839 }, { "word": "that's", "start": 467.115, "end": 467.51498, "confidence": 0.955859, "punctuated_word": "That's", "speaker": 2, "speaker_confidence": 0.12133801 }, { "word": "right", "start": 467.51498, "end": 467.59497, "confidence": 0.99884915, "punctuated_word": "right.", "speaker": 2, "speaker_confidence": 0.12133801 }, { "word": "so", "start": 467.675, "end": 467.995, "confidence": 0.8833974, "punctuated_word": "So,", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "vijay", "start": 467.995, "end": 468.315, "confidence": 0.99164104, "punctuated_word": "Vijay,", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "you", "start": 468.315, "end": 468.47498, "confidence": 0.99935085, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "were", "start": 468.47498, "end": 468.63498, "confidence": 0.84930813, "punctuated_word": "were", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "also", "start": 468.63498, "end": 468.955, "confidence": 0.99948174, "punctuated_word": "also", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "just", "start": 468.955, "end": 469.19498, "confidence": 0.99964297, "punctuated_word": "just", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "in", "start": 469.19498, "end": 469.675, "confidence": 0.9999207, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "springfield", "start": 469.675, "end": 470.175, "confidence": 0.9893868, "punctuated_word": "Springfield.", "speaker": 2, "speaker_confidence": 0.84163475 } ], "speaker": 2, "id": "ea941f89-52cf-4099-81e5-4026ac419279" }, { "start": 471.035, "end": 482.52, "confidence": 0.9751337, "channel": 0, "transcript": "What were you out there for? So you mentioned Illinois before, but what what are some of the things they're working on Right. Or you were out there for? Yeah. We've been working with a couple groups in Illinois to get a pair of bills passed. The first one that I went to", "words": [ { "word": "what", "start": 471.035, "end": 471.19498, "confidence": 0.99580944, "punctuated_word": "What", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "were", "start": 471.19498, "end": 471.35498, "confidence": 0.9985292, "punctuated_word": "were", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "you", "start": 471.35498, "end": 471.51498, "confidence": 0.999818, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "out", "start": 471.51498, "end": 471.675, "confidence": 0.99980634, "punctuated_word": "out", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "there", "start": 471.675, "end": 471.91498, "confidence": 0.99962425, "punctuated_word": "there", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "for", "start": 471.91498, "end": 472.155, "confidence": 0.9853656, "punctuated_word": "for?", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "so", "start": 472.155, "end": 472.395, "confidence": 0.89541876, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "you", "start": 472.395, "end": 472.555, "confidence": 0.99208164, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "mentioned", "start": 472.555, "end": 472.955, "confidence": 0.99933714, "punctuated_word": "mentioned", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "illinois", "start": 472.955, "end": 473.435, "confidence": 0.99888664, "punctuated_word": "Illinois", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "before", "start": 473.435, "end": 473.755, "confidence": 0.9441577, "punctuated_word": "before,", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "but", "start": 473.755, "end": 473.995, "confidence": 0.9988643, "punctuated_word": "but", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "what", "start": 473.995, "end": 474.235, "confidence": 0.9825133, "punctuated_word": "what", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "what", "start": 474.235, "end": 474.395, "confidence": 0.9862031, "punctuated_word": "what", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "are", "start": 474.395, "end": 474.555, "confidence": 0.99797875, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "some", "start": 474.555, "end": 474.715, "confidence": 0.9997656, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "of", "start": 474.715, "end": 474.79498, "confidence": 0.99910945, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "the", "start": 474.79498, "end": 474.875, "confidence": 0.99840087, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "things", "start": 474.875, "end": 475.035, "confidence": 0.99976426, "punctuated_word": "things", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "they're", "start": 475.035, "end": 475.275, "confidence": 0.96391165, "punctuated_word": "they're", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "working", "start": 475.275, "end": 475.51498, "confidence": 0.99985385, "punctuated_word": "working", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "on", "start": 475.51498, "end": 475.675, "confidence": 0.9974679, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.84163475 }, { "word": "right", "start": 475.755, "end": 475.79498, "confidence": 0.97595364, "punctuated_word": "Right.", "speaker": 0, "speaker_confidence": 0.10232365 }, { "word": "or", "start": 475.835, "end": 476.07498, "confidence": 0.70295984, "punctuated_word": "Or", "speaker": 0, "speaker_confidence": 0.10232365 }, { "word": "you", "start": 476.07498, "end": 476.155, "confidence": 0.9715746, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 0.10232365 }, { "word": "were", "start": 476.155, "end": 476.315, "confidence": 0.98940873, "punctuated_word": "were", "speaker": 2, "speaker_confidence": 0.24048102 }, { "word": "out", "start": 476.315, "end": 476.47498, "confidence": 0.99814856, "punctuated_word": "out", "speaker": 2, "speaker_confidence": 0.24048102 }, { "word": "there", "start": 476.47498, "end": 476.555, "confidence": 0.99935013, "punctuated_word": "there", "speaker": 2, "speaker_confidence": 0.24048102 }, { "word": "for", "start": 476.555, "end": 476.79498, "confidence": 0.99461627, "punctuated_word": "for?", "speaker": 2, "speaker_confidence": 0.24048102 }, { "word": "yeah", "start": 476.79498, "end": 476.955, "confidence": 0.9974899, "punctuated_word": "Yeah.", "speaker": 0, "speaker_confidence": 0.40243816 }, { "word": "we've", "start": 476.955, "end": 477.19498, "confidence": 0.99896675, "punctuated_word": "We've", "speaker": 0, "speaker_confidence": 0.40243816 }, { "word": "been", "start": 477.19498, "end": 477.35498, "confidence": 0.999616, "punctuated_word": "been", "speaker": 0, "speaker_confidence": 0.40243816 }, { "word": "working", "start": 477.35498, "end": 477.595, "confidence": 0.99968016, "punctuated_word": "working", "speaker": 0, "speaker_confidence": 0.40243816 }, { "word": "with", "start": 477.595, "end": 477.675, "confidence": 0.9995509, "punctuated_word": "with", "speaker": 0, "speaker_confidence": 0.40243816 }, { "word": "a", "start": 477.675, "end": 477.755, "confidence": 0.95191544, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.40243816 }, { "word": "couple", "start": 477.755, "end": 478.07498, "confidence": 0.9999416, "punctuated_word": "couple", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "groups", "start": 478.07498, "end": 478.315, "confidence": 0.62926406, "punctuated_word": "groups", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "in", "start": 478.315, "end": 478.47498, "confidence": 0.99971753, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "illinois", "start": 478.47498, "end": 478.97498, "confidence": 0.9998779, "punctuated_word": "Illinois", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "to", "start": 479.035, "end": 479.115, "confidence": 0.99956876, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "get", "start": 479.115, "end": 479.435, "confidence": 0.9998745, "punctuated_word": "get", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "a", "start": 479.435, "end": 479.595, "confidence": 0.8135147, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "pair", "start": 479.595, "end": 479.835, "confidence": 0.97731817, "punctuated_word": "pair", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "of", "start": 479.835, "end": 479.91498, "confidence": 0.9849541, "punctuated_word": "of", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "bills", "start": 479.91498, "end": 480.315, "confidence": 0.9981889, "punctuated_word": "bills", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "passed", "start": 480.315, "end": 480.63498, "confidence": 0.99726015, "punctuated_word": "passed.", "speaker": 0, "speaker_confidence": 0.68413615 }, { "word": "the", "start": 480.79498, "end": 480.955, "confidence": 0.99712855, "punctuated_word": "The", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "first", "start": 480.955, "end": 481.19498, "confidence": 0.9991609, "punctuated_word": "first", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "one", "start": 481.19498, "end": 481.35498, "confidence": 0.99889153, "punctuated_word": "one", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "that", "start": 481.35498, "end": 481.51498, "confidence": 0.99902284, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "i", "start": 481.51498, "end": 481.755, "confidence": 0.99870133, "punctuated_word": "I", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "went", "start": 481.755, "end": 482.07498, "confidence": 0.99636036, "punctuated_word": "went", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 482.07498, "end": 482.52, "confidence": 0.9814461, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 } ], "speaker": 0, "id": "c636b58d-4558-4b2f-b943-0aa8ba6887c6" }, { "start": 483.24, "end": 486.62, "confidence": 0.9617407, "channel": 0, "transcript": "Springfield, Illinois to testify on was a geolocation privacy bill.", "words": [ { "word": "springfield", "start": 483.24, "end": 483.72, "confidence": 0.91962415, "punctuated_word": "Springfield,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "illinois", "start": 483.72, "end": 484.12, "confidence": 0.98560417, "punctuated_word": "Illinois", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 484.12, "end": 484.28, "confidence": 0.9544395, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "testify", "start": 484.28, "end": 484.59998, "confidence": 0.9959565, "punctuated_word": "testify", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "on", "start": 484.59998, "end": 484.84, "confidence": 0.99394256, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "was", "start": 484.84, "end": 485.08, "confidence": 0.98870975, "punctuated_word": "was", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 485.08, "end": 485.16, "confidence": 0.97241783, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "geolocation", "start": 485.16, "end": 485.66, "confidence": 0.94900244, "punctuated_word": "geolocation", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "privacy", "start": 485.8, "end": 486.12, "confidence": 0.99586076, "punctuated_word": "privacy", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "bill", "start": 486.12, "end": 486.62, "confidence": 0.86184835, "punctuated_word": "bill.", "speaker": 0, "speaker_confidence": 1.0 } ], "speaker": 0, "id": "8f465b47-b712-4389-be33-ff75d9318f05" }, { "start": 487.16, "end": 492.13998, "confidence": 0.99214447, "channel": 0, "transcript": "And this bill basically required notice and consent before apps could collect and use your", "words": [ { "word": "and", "start": 487.16, "end": 487.24, "confidence": 0.94550955, "punctuated_word": "And", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "this", "start": 487.24, "end": 487.47998, "confidence": 0.9976215, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "bill", "start": 487.47998, "end": 487.8, "confidence": 0.99798125, "punctuated_word": "bill", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "basically", "start": 487.8, "end": 488.3, "confidence": 0.99037117, "punctuated_word": "basically", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "required", "start": 488.36, "end": 488.75998, "confidence": 0.99693954, "punctuated_word": "required", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "notice", "start": 488.75998, "end": 489.08, "confidence": 0.998094, "punctuated_word": "notice", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "and", "start": 489.08, "end": 489.24, "confidence": 0.99839395, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "consent", "start": 489.24, "end": 489.63998, "confidence": 0.99936336, "punctuated_word": "consent", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "before", "start": 489.63998, "end": 489.96, "confidence": 0.99822503, "punctuated_word": "before", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "apps", "start": 489.96, "end": 490.36, "confidence": 0.9814478, "punctuated_word": "apps", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "could", "start": 490.36, "end": 490.68, "confidence": 0.9934283, "punctuated_word": "could", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "collect", "start": 490.68, "end": 491.08, "confidence": 0.9971976, "punctuated_word": "collect", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "and", "start": 491.08, "end": 491.31998, "confidence": 0.9951213, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "use", "start": 491.31998, "end": 491.63998, "confidence": 0.99794036, "punctuated_word": "use", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "your", "start": 491.63998, "end": 492.13998, "confidence": 0.99453294, "punctuated_word": "your", "speaker": 0, "speaker_confidence": 1.0 } ], "speaker": 0, "id": "680bd8d2-3adc-4668-ac89-1f6914a99482" }, { "start": 492.44, "end": 493.97998, "confidence": 0.9061987, "channel": 0, "transcript": "precise geolocation information.", "words": [ { "word": "precise", "start": 492.44, "end": 492.84, "confidence": 0.74766296, "punctuated_word": "precise", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "geolocation", "start": 492.84, "end": 493.34, "confidence": 0.9955829, "punctuated_word": "geolocation", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "information", "start": 493.47998, "end": 493.97998, "confidence": 0.97535026, "punctuated_word": "information.", "speaker": 0, "speaker_confidence": 1.0 } ], "speaker": 0, "id": "67dbf969-02dd-4dba-bd2f-243f9c1aeabb" }, { "start": 494.52, "end": 507.155, "confidence": 0.97182584, "channel": 0, "transcript": "So this isn't, you know, covering your address or something you might input into a web site, but rather when a map app or something like that wants to collect your information and use it for something that isn't a mapping purpose essentially. So if they wanted", "words": [ { "word": "so", "start": 494.52, "end": 494.68, "confidence": 0.9680917, "punctuated_word": "So", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "this", "start": 494.68, "end": 494.84, "confidence": 0.9903352, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "isn't", "start": 494.84, "end": 495.15997, "confidence": 0.8766084, "punctuated_word": "isn't,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "you", "start": 495.15997, "end": 495.4, "confidence": 0.9882422, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "know", "start": 495.4, "end": 495.72, "confidence": 0.99501634, "punctuated_word": "know,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "covering", "start": 495.72, "end": 496.12, "confidence": 0.99642134, "punctuated_word": "covering", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "your", "start": 496.12, "end": 496.28, "confidence": 0.9929509, "punctuated_word": "your", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "address", "start": 496.28, "end": 496.59998, "confidence": 0.99704474, "punctuated_word": "address", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "or", "start": 496.59998, "end": 496.75998, "confidence": 0.97554976, "punctuated_word": "or", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "something", "start": 496.75998, "end": 497.08, "confidence": 0.9924544, "punctuated_word": "something", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "you", "start": 497.08, "end": 497.24, "confidence": 0.94225657, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "might", "start": 497.24, "end": 497.4, "confidence": 0.983451, "punctuated_word": "might", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "input", "start": 497.4, "end": 497.72, "confidence": 0.9918995, "punctuated_word": "input", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "into", "start": 497.72, "end": 497.96, "confidence": 0.9775454, "punctuated_word": "into", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 497.96, "end": 498.03998, "confidence": 0.8357794, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "web", "start": 498.03998, "end": 498.255, "confidence": 0.88544244, "punctuated_word": "web", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "site", "start": 498.255, "end": 498.415, "confidence": 0.8858044, "punctuated_word": "site,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "but", "start": 498.415, "end": 498.655, "confidence": 0.9895683, "punctuated_word": "but", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "rather", "start": 498.655, "end": 498.89502, "confidence": 0.9932441, "punctuated_word": "rather", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "when", "start": 498.89502, "end": 499.39502, "confidence": 0.92521274, "punctuated_word": "when", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 499.695, "end": 499.855, "confidence": 0.9953874, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "map", "start": 499.855, "end": 500.17502, "confidence": 0.9932115, "punctuated_word": "map", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "app", "start": 500.17502, "end": 500.335, "confidence": 0.99535346, "punctuated_word": "app", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "or", "start": 500.335, "end": 500.575, "confidence": 0.9724603, "punctuated_word": "or", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "something", "start": 500.575, "end": 500.815, "confidence": 0.9992071, "punctuated_word": "something", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "like", "start": 500.815, "end": 501.055, "confidence": 0.99668, "punctuated_word": "like", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "that", "start": 501.055, "end": 501.375, "confidence": 0.9995808, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "wants", "start": 501.375, "end": 501.615, "confidence": 0.9851302, "punctuated_word": "wants", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 501.615, "end": 501.775, "confidence": 0.9991272, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "collect", "start": 501.775, "end": 502.095, "confidence": 0.9991642, "punctuated_word": "collect", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "your", "start": 502.095, "end": 502.415, "confidence": 0.99540883, "punctuated_word": "your", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "information", "start": 502.415, "end": 502.89502, "confidence": 0.9995716, "punctuated_word": "information", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "and", "start": 502.89502, "end": 503.055, "confidence": 0.90552425, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "use", "start": 503.055, "end": 503.375, "confidence": 0.9975286, "punctuated_word": "use", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "it", "start": 503.375, "end": 503.45502, "confidence": 0.9948837, "punctuated_word": "it", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "for", "start": 503.45502, "end": 503.615, "confidence": 0.9989054, "punctuated_word": "for", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "something", "start": 503.615, "end": 503.935, "confidence": 0.9993537, "punctuated_word": "something", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "that", "start": 503.935, "end": 504.17502, "confidence": 0.9993856, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "isn't", "start": 504.17502, "end": 504.67502, "confidence": 0.9986971, "punctuated_word": "isn't", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "a", "start": 504.815, "end": 505.055, "confidence": 0.992997, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "mapping", "start": 505.055, "end": 505.45502, "confidence": 0.99955493, "punctuated_word": "mapping", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "purpose", "start": 505.45502, "end": 505.855, "confidence": 0.98890346, "punctuated_word": "purpose", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "essentially", "start": 505.855, "end": 506.255, "confidence": 0.7265759, "punctuated_word": "essentially.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "so", "start": 506.255, "end": 506.415, "confidence": 0.99477935, "punctuated_word": "So", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "if", "start": 506.415, "end": 506.575, "confidence": 0.97104263, "punctuated_word": "if", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "they", "start": 506.575, "end": 506.655, "confidence": 0.9981675, "punctuated_word": "they", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "wanted", "start": 506.655, "end": 507.155, "confidence": 0.99631387, "punctuated_word": "wanted", "speaker": 0, "speaker_confidence": 1.0 } ], "speaker": 0, "id": "50444c18-f316-4814-a9c1-42317c2eee8b" }, { "start": 507.45502, "end": 519.64996, "confidence": 0.96588415, "channel": 0, "transcript": "to sell it or to, you know, show you ads based on your current location, then they would have to actually get your consent to do that. And we think this is a good consumer protection bill so you can actually know what is being done with your data. Cool.", "words": [ { "word": "to", "start": 507.45502, "end": 507.695, "confidence": 0.9976299, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "sell", "start": 507.695, "end": 507.935, "confidence": 0.9991615, "punctuated_word": "sell", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "it", "start": 507.935, "end": 508.255, "confidence": 0.99661225, "punctuated_word": "it", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "or", "start": 508.255, "end": 508.495, "confidence": 0.948125, "punctuated_word": "or", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 508.495, "end": 508.89502, "confidence": 0.95200336, "punctuated_word": "to,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "you", "start": 509.135, "end": 509.295, "confidence": 0.9271202, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "know", "start": 509.295, "end": 509.535, "confidence": 0.9687451, "punctuated_word": "know,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "show", "start": 509.535, "end": 509.695, "confidence": 0.9954218, "punctuated_word": "show", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "you", "start": 509.695, "end": 509.935, "confidence": 0.99642247, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "ads", "start": 509.935, "end": 510.255, "confidence": 0.99644476, "punctuated_word": "ads", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "based", "start": 510.255, "end": 510.495, "confidence": 0.99869555, "punctuated_word": "based", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "on", "start": 510.495, "end": 510.655, "confidence": 0.9981072, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "your", "start": 510.655, "end": 510.815, "confidence": 0.99817526, "punctuated_word": "your", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "current", "start": 510.815, "end": 511.055, "confidence": 0.990785, "punctuated_word": "current", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "location", "start": 511.055, "end": 511.535, "confidence": 0.90957326, "punctuated_word": "location,", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "then", "start": 511.535, "end": 511.695, "confidence": 0.99181986, "punctuated_word": "then", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "they", "start": 511.695, "end": 511.855, "confidence": 0.99755436, "punctuated_word": "they", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "would", "start": 511.855, "end": 512.015, "confidence": 0.99168265, "punctuated_word": "would", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "have", "start": 512.015, "end": 512.175, "confidence": 0.9331652, "punctuated_word": "have", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 512.175, "end": 512.335, "confidence": 0.9980585, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "actually", "start": 512.335, "end": 512.655, "confidence": 0.9848719, "punctuated_word": "actually", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "get", "start": 512.655, "end": 512.815, "confidence": 0.99600095, "punctuated_word": "get", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "your", "start": 512.815, "end": 513.055, "confidence": 0.99744356, "punctuated_word": "your", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "consent", "start": 513.055, "end": 513.375, "confidence": 0.99934036, "punctuated_word": "consent", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "to", "start": 513.375, "end": 513.53503, "confidence": 0.9987908, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "do", "start": 513.53503, "end": 513.615, "confidence": 0.9991266, "punctuated_word": "do", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "that", "start": 513.615, "end": 514.11, "confidence": 0.9835149, "punctuated_word": "that.", "speaker": 0, "speaker_confidence": 1.0 }, { "word": "and", "start": 514.26996, "end": 514.35, "confidence": 0.4119019, "punctuated_word": "And", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "we", "start": 514.35, "end": 514.43, "confidence": 0.98527944, "punctuated_word": "we", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "think", "start": 514.43, "end": 514.58997, "confidence": 0.99900526, "punctuated_word": "think", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "this", "start": 514.58997, "end": 514.67, "confidence": 0.9882095, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "is", "start": 514.67, "end": 514.75, "confidence": 0.9965809, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "a", "start": 514.75, "end": 514.99, "confidence": 0.99820817, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "good", "start": 514.99, "end": 515.31, "confidence": 0.9992213, "punctuated_word": "good", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "consumer", "start": 515.31, "end": 515.63, "confidence": 0.9889309, "punctuated_word": "consumer", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "protection", "start": 515.63, "end": 515.95, "confidence": 0.9990491, "punctuated_word": "protection", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "bill", "start": 515.95, "end": 516.26996, "confidence": 0.9986999, "punctuated_word": "bill", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "so", "start": 516.26996, "end": 516.43, "confidence": 0.6444359, "punctuated_word": "so", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "you", "start": 516.43, "end": 516.58997, "confidence": 0.996467, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 0.6628002 }, { "word": "can", "start": 516.58997, "end": 516.75, "confidence": 0.9970048, "punctuated_word": "can", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "actually", "start": 516.75, "end": 517.23, "confidence": 0.99832684, "punctuated_word": "actually", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "know", "start": 517.23, "end": 517.70996, "confidence": 0.99881256, "punctuated_word": "know", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "what", "start": 517.70996, "end": 517.95, "confidence": 0.99974066, "punctuated_word": "what", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "is", "start": 517.95, "end": 518.11, "confidence": 0.99689496, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "being", "start": 518.11, "end": 518.26996, "confidence": 0.99967897, "punctuated_word": "being", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "done", "start": 518.26996, "end": 518.43, "confidence": 0.999884, "punctuated_word": "done", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "with", "start": 518.43, "end": 518.58997, "confidence": 0.9997422, "punctuated_word": "with", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "your", "start": 518.58997, "end": 518.75, "confidence": 0.99872273, "punctuated_word": "your", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "data", "start": 518.75, "end": 519.14996, "confidence": 0.99628794, "punctuated_word": "data.", "speaker": 0, "speaker_confidence": 0.64846057 }, { "word": "cool", "start": 519.14996, "end": 519.64996, "confidence": 0.7587372, "punctuated_word": "Cool.", "speaker": 2, "speaker_confidence": 0.042210817 } ], "speaker": 0, "id": "b71aa883-7688-4f89-b272-6f529b35dc95" }, { "start": 520.02997, "end": 526.45, "confidence": 0.97027755, "channel": 0, "transcript": "And so we went and testified on that. Other states are also doing this as well, not only Illinois. This one is pretty popular. We've seen attempts in Hawaii,", "words": [ { "word": "and", "start": 520.02997, "end": 520.19, "confidence": 0.9706631, "punctuated_word": "And", "speaker": 0, "speaker_confidence": 0.48769736 }, { "word": "so", "start": 520.19, "end": 520.43, "confidence": 0.99304974, "punctuated_word": "so", "speaker": 0, "speaker_confidence": 0.48769736 }, { "word": "we", "start": 520.43, "end": 520.58997, "confidence": 0.96958935, "punctuated_word": "we", "speaker": 0, "speaker_confidence": 0.48769736 }, { "word": "went", "start": 520.58997, "end": 520.82996, "confidence": 0.9950789, "punctuated_word": "went", "speaker": 0, "speaker_confidence": 0.48769736 }, { "word": "and", "start": 520.82996, "end": 520.91, "confidence": 0.95765996, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 0.48769736 }, { "word": "testified", "start": 520.91, "end": 521.31, "confidence": 0.979529, "punctuated_word": "testified", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "on", "start": 521.31, "end": 521.47, "confidence": 0.99886996, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "that", "start": 521.47, "end": 521.87, "confidence": 0.9619466, "punctuated_word": "that.", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "other", "start": 521.87, "end": 522.11, "confidence": 0.67124015, "punctuated_word": "Other", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "states", "start": 522.11, "end": 522.35, "confidence": 0.9922914, "punctuated_word": "states", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "are", "start": 522.35, "end": 522.51, "confidence": 0.9982285, "punctuated_word": "are", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "also", "start": 522.51, "end": 522.67, "confidence": 0.9956939, "punctuated_word": "also", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "doing", "start": 522.67, "end": 522.82996, "confidence": 0.9997775, "punctuated_word": "doing", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "this", "start": 522.82996, "end": 522.99, "confidence": 0.998432, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "as", "start": 522.99, "end": 523.14996, "confidence": 0.9839536, "punctuated_word": "as", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "well", "start": 523.14996, "end": 523.31, "confidence": 0.8169538, "punctuated_word": "well,", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "not", "start": 523.31, "end": 523.47, "confidence": 0.9985267, "punctuated_word": "not", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "only", "start": 523.47, "end": 523.70996, "confidence": 0.999062, "punctuated_word": "only", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "illinois", "start": 523.70996, "end": 524.11, "confidence": 0.9215162, "punctuated_word": "Illinois.", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "this", "start": 524.11, "end": 524.26996, "confidence": 0.9976794, "punctuated_word": "This", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "one", "start": 524.26996, "end": 524.43, "confidence": 0.99611354, "punctuated_word": "one", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "is", "start": 524.43, "end": 524.58997, "confidence": 0.9983479, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "pretty", "start": 524.58997, "end": 524.75, "confidence": 0.9981352, "punctuated_word": "pretty", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "popular", "start": 524.75, "end": 524.99, "confidence": 0.9729506, "punctuated_word": "popular.", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "we've", "start": 524.99, "end": 525.23, "confidence": 0.99404585, "punctuated_word": "We've", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "seen", "start": 525.23, "end": 525.39, "confidence": 0.9988154, "punctuated_word": "seen", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "attempts", "start": 525.39, "end": 525.70996, "confidence": 0.98662823, "punctuated_word": "attempts", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "in", "start": 525.70996, "end": 525.95, "confidence": 0.99834883, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "hawaii", "start": 525.95, "end": 526.45, "confidence": 0.9949248, "punctuated_word": "Hawaii,", "speaker": 0, "speaker_confidence": 0.8854426 } ], "speaker": 0, "id": "52207406-d300-4635-86b3-4ec3a77bdd43" }, { "start": 527.14996, "end": 527.64996, "confidence": 0.92369485, "channel": 0, "transcript": "Nevada,", "words": [ { "word": "nevada", "start": 527.14996, "end": 527.64996, "confidence": 0.92369485, "punctuated_word": "Nevada,", "speaker": 0, "speaker_confidence": 0.8854426 } ], "speaker": 0, "id": "4371f5b3-8549-4e73-a72c-fb979c454b5b" }, { "start": 528.52496, "end": 537.745, "confidence": 0.9852866, "channel": 0, "transcript": "and, I think there's maybe one more that I'm blanking on right now. But this is starting to pop up more and more frequently as, you know, devices become more ubiquitous, I guess.", "words": [ { "word": "and", "start": 528.52496, "end": 528.76495, "confidence": 0.7763016, "punctuated_word": "and,", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "i", "start": 528.925, "end": 529.245, "confidence": 0.99947685, "punctuated_word": "I", "speaker": 0, "speaker_confidence": 0.8854426 }, { "word": "think", "start": 529.245, "end": 529.40497, "confidence": 0.9997304, "punctuated_word": "think", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "there's", "start": 529.40497, "end": 529.725, "confidence": 0.99571955, "punctuated_word": "there's", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "maybe", "start": 529.725, "end": 530.045, "confidence": 0.9955492, "punctuated_word": "maybe", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "one", "start": 530.045, "end": 530.20496, "confidence": 0.99989295, "punctuated_word": "one", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "more", "start": 530.20496, "end": 530.365, "confidence": 0.9997571, "punctuated_word": "more", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "that", "start": 530.365, "end": 530.605, "confidence": 0.99384576, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "i'm", "start": 530.605, "end": 531.00494, "confidence": 0.99961334, "punctuated_word": "I'm", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "blanking", "start": 531.00494, "end": 531.40497, "confidence": 0.9994198, "punctuated_word": "blanking", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "on", "start": 531.40497, "end": 531.565, "confidence": 0.99982953, "punctuated_word": "on", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "right", "start": 531.565, "end": 531.725, "confidence": 0.99993443, "punctuated_word": "right", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "now", "start": 531.725, "end": 531.88495, "confidence": 0.78429425, "punctuated_word": "now.", "speaker": 0, "speaker_confidence": 0.49636775 }, { "word": "but", "start": 531.88495, "end": 532.125, "confidence": 0.99876046, "punctuated_word": "But", "speaker": 0, "speaker_confidence": 0.63350266 }, { "word": "this", "start": 532.125, "end": 532.285, "confidence": 0.99982905, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 0.63350266 }, { "word": "is", "start": 532.285, "end": 532.52496, "confidence": 0.999401, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.63350266 }, { "word": "starting", "start": 532.52496, "end": 532.925, "confidence": 0.9998733, "punctuated_word": "starting", "speaker": 0, "speaker_confidence": 0.63350266 }, { "word": "to", "start": 532.925, "end": 533.00494, "confidence": 0.99956065, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.63350266 }, { "word": "pop", "start": 533.00494, "end": 533.245, "confidence": 0.9999522, "punctuated_word": "pop", "speaker": 0, "speaker_confidence": 0.63350266 }, { "word": "up", "start": 533.245, "end": 533.40497, "confidence": 0.99942917, "punctuated_word": "up", "speaker": 0, "speaker_confidence": 0.63350266 }, { "word": "more", "start": 533.40497, "end": 533.565, "confidence": 0.9997348, "punctuated_word": "more", "speaker": 0, "speaker_confidence": 0.63350266 }, { "word": "and", "start": 533.565, "end": 533.725, "confidence": 0.99975103, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "more", "start": 533.725, "end": 533.88495, "confidence": 0.99993277, "punctuated_word": "more", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "frequently", "start": 533.88495, "end": 534.365, "confidence": 0.9998417, "punctuated_word": "frequently", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "as", "start": 534.365, "end": 534.845, "confidence": 0.9852622, "punctuated_word": "as,", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "you", "start": 534.845, "end": 535.08496, "confidence": 0.99904984, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "know", "start": 535.08496, "end": 535.565, "confidence": 0.9998299, "punctuated_word": "know,", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "devices", "start": 535.565, "end": 535.96497, "confidence": 0.99698144, "punctuated_word": "devices", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "become", "start": 535.96497, "end": 536.285, "confidence": 0.99936527, "punctuated_word": "become", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "more", "start": 536.285, "end": 536.605, "confidence": 0.9992781, "punctuated_word": "more", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "ubiquitous", "start": 536.605, "end": 537.105, "confidence": 0.995682, "punctuated_word": "ubiquitous,", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "i", "start": 537.165, "end": 537.245, "confidence": 0.9997968, "punctuated_word": "I", "speaker": 0, "speaker_confidence": 0.667105 }, { "word": "guess", "start": 537.245, "end": 537.745, "confidence": 0.99977946, "punctuated_word": "guess.", "speaker": 0, "speaker_confidence": 0.667105 } ], "speaker": 0, "id": "80a9df22-6f4a-4d30-ba14-4b7ea95d1b4e" }, { "start": 538.125, "end": 538.52496, "confidence": 0.99913037, "channel": 0, "transcript": "Okay.", "words": [ { "word": "okay", "start": 538.125, "end": 538.52496, "confidence": 0.99913037, "punctuated_word": "Okay.", "speaker": 0, "speaker_confidence": 0.667105 } ], "speaker": 0, "id": "f7f01116-1e5d-439b-b62c-232594982f7f" }, { "start": 539.245, "end": 548.6, "confidence": 0.9724698, "channel": 0, "transcript": "Now if you were to look into the future and we assume that states will continue to act more on privacy, any other issues that you anticipate, you know, states stepping up on?", "words": [ { "word": "now", "start": 539.245, "end": 539.485, "confidence": 0.9858074, "punctuated_word": "Now", "speaker": 2, "speaker_confidence": 0.42200708 }, { "word": "if", "start": 539.485, "end": 539.725, "confidence": 0.96699977, "punctuated_word": "if", "speaker": 2, "speaker_confidence": 0.42200708 }, { "word": "you", "start": 539.725, "end": 539.805, "confidence": 0.989373, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.42200708 }, { "word": "were", "start": 539.805, "end": 540.045, "confidence": 0.9994492, "punctuated_word": "were", "speaker": 2, "speaker_confidence": 0.42200708 }, { "word": "to", "start": 540.045, "end": 540.125, "confidence": 0.9994848, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.42200708 }, { "word": "look", "start": 540.125, "end": 540.285, "confidence": 0.9999442, "punctuated_word": "look", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "into", "start": 540.285, "end": 540.52496, "confidence": 0.9996131, "punctuated_word": "into", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "the", "start": 540.52496, "end": 540.685, "confidence": 0.99942744, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "future", "start": 540.685, "end": 541.00494, "confidence": 0.9999125, "punctuated_word": "future", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "and", "start": 541.00494, "end": 541.165, "confidence": 0.758683, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "we", "start": 541.165, "end": 541.485, "confidence": 0.9994204, "punctuated_word": "we", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "assume", "start": 541.485, "end": 541.805, "confidence": 0.8831151, "punctuated_word": "assume", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "that", "start": 541.805, "end": 542.1, "confidence": 0.999363, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "states", "start": 542.1, "end": 542.33997, "confidence": 0.86980426, "punctuated_word": "states", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "will", "start": 542.33997, "end": 542.57996, "confidence": 0.9991301, "punctuated_word": "will", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "continue", "start": 542.57996, "end": 543.07996, "confidence": 0.99970895, "punctuated_word": "continue", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "to", "start": 543.13995, "end": 543.63995, "confidence": 0.99953496, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "act", "start": 543.69995, "end": 543.94, "confidence": 0.9997036, "punctuated_word": "act", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "more", "start": 543.94, "end": 544.18, "confidence": 0.9997744, "punctuated_word": "more", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "on", "start": 544.18, "end": 544.33997, "confidence": 0.99667394, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "privacy", "start": 544.33997, "end": 544.81995, "confidence": 0.92777646, "punctuated_word": "privacy,", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "any", "start": 544.81995, "end": 545.06, "confidence": 0.9993801, "punctuated_word": "any", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "other", "start": 545.06, "end": 545.3, "confidence": 0.99987054, "punctuated_word": "other", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "issues", "start": 545.3, "end": 545.62, "confidence": 0.99946827, "punctuated_word": "issues", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "that", "start": 545.62, "end": 545.77997, "confidence": 0.9997008, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "you", "start": 545.77997, "end": 546.01996, "confidence": 0.9997738, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "anticipate", "start": 546.01996, "end": 546.51996, "confidence": 0.9838518, "punctuated_word": "anticipate,", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "you", "start": 546.66, "end": 546.89996, "confidence": 0.99951875, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "know", "start": 546.89996, "end": 547.13995, "confidence": 0.9977567, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "states", "start": 547.13995, "end": 547.54, "confidence": 0.7588995, "punctuated_word": "states", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "stepping", "start": 547.54, "end": 547.86, "confidence": 0.99568224, "punctuated_word": "stepping", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "up", "start": 547.86, "end": 548.1, "confidence": 0.99872154, "punctuated_word": "up", "speaker": 2, "speaker_confidence": 0.8201033 }, { "word": "on", "start": 548.1, "end": 548.6, "confidence": 0.9861781, "punctuated_word": "on?", "speaker": 2, "speaker_confidence": 0.8201033 } ], "speaker": 2, "id": "55cf04c5-949d-44bf-832a-53f20a06e90e" }, { "start": 550.98, "end": 551.48, "confidence": 0.98036677, "channel": 0, "transcript": "So", "words": [ { "word": "so", "start": 550.98, "end": 551.48, "confidence": 0.98036677, "punctuated_word": "So", "speaker": 3, "speaker_confidence": 0.71019626 } ], "speaker": 3, "id": "bd8e90a9-0dd8-462f-81c0-aff850bd883d" }, { "start": 551.94, "end": 553.07996, "confidence": 0.981407, "channel": 0, "transcript": "so one area,", "words": [ { "word": "so", "start": 551.94, "end": 552.25995, "confidence": 0.98145443, "punctuated_word": "so", "speaker": 3, "speaker_confidence": 0.71019626 }, { "word": "one", "start": 552.25995, "end": 552.57996, "confidence": 0.9980878, "punctuated_word": "one", "speaker": 3, "speaker_confidence": 0.71019626 }, { "word": "area", "start": 552.57996, "end": 553.07996, "confidence": 0.9646788, "punctuated_word": "area,", "speaker": 3, "speaker_confidence": 0.71019626 } ], "speaker": 3, "id": "6870d0e8-b8a6-45f6-a7a9-0ad590064f2c" }, { "start": 553.62, "end": 554.92, "confidence": 0.9495209, "channel": 0, "transcript": "that's sort of,", "words": [ { "word": "that's", "start": 553.62, "end": 554.12, "confidence": 0.9992099, "punctuated_word": "that's", "speaker": 3, "speaker_confidence": 0.71019626 }, { "word": "sort", "start": 554.18, "end": 554.42, "confidence": 0.98696125, "punctuated_word": "sort", "speaker": 3, "speaker_confidence": 0.71019626 }, { "word": "of", "start": 554.42, "end": 554.92, "confidence": 0.8623915, "punctuated_word": "of,", "speaker": 3, "speaker_confidence": 0.71019626 } ], "speaker": 3, "id": "f76a0d9f-d8f2-4430-8bea-9d128ecfb544" }, { "start": 556.01996, "end": 557.535, "confidence": 0.9580795, "channel": 0, "transcript": "controversial right now is,", "words": [ { "word": "controversial", "start": 556.01996, "end": 556.51996, "confidence": 0.99977535, "punctuated_word": "controversial", "speaker": 3, "speaker_confidence": 0.71019626 }, { "word": "right", "start": 556.66, "end": 556.81995, "confidence": 0.9990785, "punctuated_word": "right", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "now", "start": 556.81995, "end": 557.06, "confidence": 0.99983954, "punctuated_word": "now", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "is", "start": 557.06, "end": 557.535, "confidence": 0.8336246, "punctuated_word": "is,", "speaker": 3, "speaker_confidence": 0.93416595 } ], "speaker": 3, "id": "32822a91-058a-4d6a-b5f2-8927085ff1fb" }, { "start": 558.095, "end": 558.595, "confidence": 0.9994462, "channel": 0, "transcript": "expanding", "words": [ { "word": "expanding", "start": 558.095, "end": 558.595, "confidence": 0.9994462, "punctuated_word": "expanding", "speaker": 3, "speaker_confidence": 0.93416595 } ], "speaker": 3, "id": "4ed97ef0-ba99-4a48-a063-12277a645489" }, { "start": 559.21497, "end": 560.735, "confidence": 0.9469955, "channel": 0, "transcript": "the protections we're seeing,", "words": [ { "word": "the", "start": 559.21497, "end": 559.535, "confidence": 0.9969438, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "protections", "start": 559.535, "end": 560.035, "confidence": 0.99492246, "punctuated_word": "protections", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "we're", "start": 560.095, "end": 560.25494, "confidence": 0.983405, "punctuated_word": "we're", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "seeing", "start": 560.25494, "end": 560.735, "confidence": 0.81271076, "punctuated_word": "seeing,", "speaker": 3, "speaker_confidence": 0.93416595 } ], "speaker": 3, "id": "734e6afb-a868-4576-8c8f-d27e7e9204fe" }, { "start": 562.095, "end": 563.15497, "confidence": 0.9683556, "channel": 0, "transcript": "states trying to", "words": [ { "word": "states", "start": 562.095, "end": 562.33496, "confidence": 0.9205461, "punctuated_word": "states", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "trying", "start": 562.33496, "end": 562.65497, "confidence": 0.987288, "punctuated_word": "trying", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "to", "start": 562.65497, "end": 563.15497, "confidence": 0.9972326, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.93416595 } ], "speaker": 3, "id": "66147031-41cf-4018-8030-25e0acc26da7" }, { "start": 563.535, "end": 568.595, "confidence": 0.92068213, "channel": 0, "transcript": "to push through for broadband providers extended to what we call edge providers. So like", "words": [ { "word": "to", "start": 563.535, "end": 563.69495, "confidence": 0.9486269, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "push", "start": 563.69495, "end": 563.935, "confidence": 0.9984668, "punctuated_word": "push", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "through", "start": 563.935, "end": 564.33496, "confidence": 0.99678963, "punctuated_word": "through", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "for", "start": 564.33496, "end": 564.815, "confidence": 0.9791949, "punctuated_word": "for", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "broadband", "start": 564.815, "end": 565.21497, "confidence": 0.94033027, "punctuated_word": "broadband", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "providers", "start": 565.21497, "end": 565.71497, "confidence": 0.99714005, "punctuated_word": "providers", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "extended", "start": 566.01495, "end": 566.495, "confidence": 0.89192146, "punctuated_word": "extended", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "to", "start": 566.495, "end": 566.735, "confidence": 0.98779386, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "what", "start": 566.735, "end": 566.89496, "confidence": 0.9422632, "punctuated_word": "what", "speaker": 3, "speaker_confidence": 0.93416595 }, { "word": "we", "start": 566.89496, "end": 566.975, "confidence": 0.98131174, "punctuated_word": "we", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "call", "start": 566.975, "end": 567.295, "confidence": 0.9427643, "punctuated_word": "call", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "edge", "start": 567.295, "end": 567.45496, "confidence": 0.849718, "punctuated_word": "edge", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "providers", "start": 567.45496, "end": 567.855, "confidence": 0.8072959, "punctuated_word": "providers.", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "so", "start": 567.855, "end": 568.095, "confidence": 0.98951083, "punctuated_word": "So", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "like", "start": 568.095, "end": 568.595, "confidence": 0.55710393, "punctuated_word": "like", "speaker": 3, "speaker_confidence": 0.8944197 } ], "speaker": 3, "id": "b3aae7e3-c656-4583-83fe-ce8d709106ca" }, { "start": 569.055, "end": 570.34, "confidence": 0.7537074, "channel": 0, "transcript": "the the Google's", "words": [ { "word": "the", "start": 569.055, "end": 569.375, "confidence": 0.67740065, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "the", "start": 569.375, "end": 569.76, "confidence": 0.8069028, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "google's", "start": 569.84, "end": 570.34, "confidence": 0.7768188, "punctuated_word": "Google's", "speaker": 3, "speaker_confidence": 0.8944197 } ], "speaker": 3, "id": "5c47a783-6e58-4eee-bdd6-46ffd86267a3" }, { "start": 570.8, "end": 573.14, "confidence": 0.8481711, "channel": 0, "transcript": "and other Internet services of the world,", "words": [ { "word": "and", "start": 570.8, "end": 571.04004, "confidence": 0.55027956, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "other", "start": 571.04004, "end": 571.36, "confidence": 0.99867934, "punctuated_word": "other", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "internet", "start": 571.36, "end": 571.76, "confidence": 0.6192583, "punctuated_word": "Internet", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "services", "start": 571.76, "end": 572.26, "confidence": 0.99785715, "punctuated_word": "services", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "of", "start": 572.4, "end": 572.56, "confidence": 0.9997063, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "the", "start": 572.56, "end": 572.64, "confidence": 0.9998424, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "world", "start": 572.64, "end": 573.14, "confidence": 0.77157485, "punctuated_word": "world,", "speaker": 3, "speaker_confidence": 0.8944197 } ], "speaker": 3, "id": "758913ac-8a2d-4ee5-89f1-693d040df956" }, { "start": 574.4, "end": 577.54004, "confidence": 0.994258, "channel": 0, "transcript": "and that gets into more complicated territory.", "words": [ { "word": "and", "start": 574.4, "end": 574.72003, "confidence": 0.9971283, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "that", "start": 574.72003, "end": 575.22003, "confidence": 0.9991179, "punctuated_word": "that", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "gets", "start": 575.52, "end": 575.84, "confidence": 0.99755764, "punctuated_word": "gets", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "into", "start": 575.84, "end": 576.24, "confidence": 0.99351454, "punctuated_word": "into", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "more", "start": 576.24, "end": 576.56, "confidence": 0.9854037, "punctuated_word": "more", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "complicated", "start": 576.56, "end": 577.04004, "confidence": 0.9997844, "punctuated_word": "complicated", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "territory", "start": 577.04004, "end": 577.54004, "confidence": 0.98729956, "punctuated_word": "territory.", "speaker": 3, "speaker_confidence": 0.8944197 } ], "speaker": 3, "id": "41bf88f1-1007-40c8-b013-39d8f4a0ffbc" }, { "start": 577.92, "end": 579.78, "confidence": 0.98180944, "channel": 0, "transcript": "We definitely think that there should be,", "words": [ { "word": "we", "start": 577.92, "end": 578.16003, "confidence": 0.9949254, "punctuated_word": "We", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "definitely", "start": 578.16003, "end": 578.56, "confidence": 0.9991702, "punctuated_word": "definitely", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "think", "start": 578.56, "end": 578.72003, "confidence": 0.99797744, "punctuated_word": "think", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "that", "start": 578.72003, "end": 578.96, "confidence": 0.99833614, "punctuated_word": "that", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "there", "start": 578.96, "end": 579.12, "confidence": 0.9990545, "punctuated_word": "there", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "should", "start": 579.12, "end": 579.28, "confidence": 0.9994085, "punctuated_word": "should", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "be", "start": 579.28, "end": 579.78, "confidence": 0.8837934, "punctuated_word": "be,", "speaker": 3, "speaker_confidence": 0.8944197 } ], "speaker": 3, "id": "2072564e-2bd9-427a-950f-073600722131" }, { "start": 580.56, "end": 584.58, "confidence": 0.9630001, "channel": 0, "transcript": "strong privacy legislation that applies to everyone on the federal level.", "words": [ { "word": "strong", "start": 580.56, "end": 581.06, "confidence": 0.99938333, "punctuated_word": "strong", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "privacy", "start": 581.36, "end": 581.76, "confidence": 0.9990941, "punctuated_word": "privacy", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "legislation", "start": 581.76, "end": 582.26, "confidence": 0.9995664, "punctuated_word": "legislation", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "that", "start": 582.32, "end": 582.48, "confidence": 0.99948007, "punctuated_word": "that", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "applies", "start": 582.48, "end": 582.88, "confidence": 0.9996723, "punctuated_word": "applies", "speaker": 3, "speaker_confidence": 0.8944197 }, { "word": "to", "start": 582.88, "end": 582.96, "confidence": 0.99818856, "punctuated_word": "to", "speaker": 3, "speaker_confidence": 0.6899017 }, { "word": "everyone", "start": 582.96, "end": 583.36, "confidence": 0.99953556, "punctuated_word": "everyone", "speaker": 3, "speaker_confidence": 0.6899017 }, { "word": "on", "start": 583.36, "end": 583.52, "confidence": 0.99948174, "punctuated_word": "on", "speaker": 3, "speaker_confidence": 0.6899017 }, { "word": "the", "start": 583.52, "end": 583.68, "confidence": 0.91269004, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.6899017 }, { "word": "federal", "start": 583.68, "end": 584.08, "confidence": 0.86956936, "punctuated_word": "federal", "speaker": 3, "speaker_confidence": 0.6899017 }, { "word": "level", "start": 584.08, "end": 584.58, "confidence": 0.81633973, "punctuated_word": "level.", "speaker": 3, "speaker_confidence": 0.6899017 } ], "speaker": 3, "id": "1601cb5f-e6a4-4f8d-ad3a-942a82f7595d" }, { "start": 585.40497, "end": 585.90497, "confidence": 0.5016487, "channel": 0, "transcript": "But", "words": [ { "word": "but", "start": 585.40497, "end": 585.90497, "confidence": 0.5016487, "punctuated_word": "But", "speaker": 3, "speaker_confidence": 0.6899017 } ], "speaker": 3, "id": "947241f8-d2cc-4c41-ad91-a80ff7b1d472" }, { "start": 586.605, "end": 589.005, "confidence": 0.97750515, "channel": 0, "transcript": "in the absence of that, I do think states are going to,", "words": [ { "word": "in", "start": 586.605, "end": 586.765, "confidence": 0.93583816, "punctuated_word": "in", "speaker": 3, "speaker_confidence": 0.6899017 }, { "word": "the", "start": 586.765, "end": 586.845, "confidence": 0.98432285, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.6899017 }, { "word": "absence", "start": 586.845, "end": 587.165, "confidence": 0.99885726, "punctuated_word": "absence", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "of", "start": 587.165, "end": 587.245, "confidence": 0.9996792, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "that", "start": 587.245, "end": 587.485, "confidence": 0.9571837, "punctuated_word": "that,", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "i", "start": 587.485, "end": 587.64496, "confidence": 0.99931693, "punctuated_word": "I", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "do", "start": 587.64496, "end": 587.725, "confidence": 0.9997451, "punctuated_word": "do", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "think", "start": 587.725, "end": 588.045, "confidence": 0.9985474, "punctuated_word": "think", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "states", "start": 588.045, "end": 588.365, "confidence": 0.9694177, "punctuated_word": "states", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "are", "start": 588.365, "end": 588.52496, "confidence": 0.9996284, "punctuated_word": "are", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "going", "start": 588.52496, "end": 588.765, "confidence": 0.999556, "punctuated_word": "going", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "to", "start": 588.765, "end": 589.005, "confidence": 0.8879694, "punctuated_word": "to,", "speaker": 3, "speaker_confidence": 0.9472366 } ], "speaker": 3, "id": "33884594-69b7-453c-b683-17fdd1dda414" }, { "start": 590.445, "end": 594.14496, "confidence": 0.9623118, "channel": 0, "transcript": "come into this space. And I I guess another area would be,", "words": [ { "word": "come", "start": 590.445, "end": 590.605, "confidence": 0.99541384, "punctuated_word": "come", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "into", "start": 590.605, "end": 590.925, "confidence": 0.9926474, "punctuated_word": "into", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "this", "start": 590.925, "end": 591.165, "confidence": 0.9775508, "punctuated_word": "this", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "space", "start": 591.165, "end": 591.565, "confidence": 0.9173193, "punctuated_word": "space.", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "and", "start": 591.565, "end": 591.805, "confidence": 0.99388725, "punctuated_word": "And", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "i", "start": 591.805, "end": 592.125, "confidence": 0.9562736, "punctuated_word": "I", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "i", "start": 592.125, "end": 592.205, "confidence": 0.9467208, "punctuated_word": "I", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "guess", "start": 592.205, "end": 592.445, "confidence": 0.999033, "punctuated_word": "guess", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "another", "start": 592.445, "end": 592.925, "confidence": 0.8560282, "punctuated_word": "another", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "area", "start": 592.925, "end": 593.40497, "confidence": 0.9994019, "punctuated_word": "area", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "would", "start": 593.40497, "end": 593.64496, "confidence": 0.9971193, "punctuated_word": "would", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "be", "start": 593.64496, "end": 594.14496, "confidence": 0.91634613, "punctuated_word": "be,", "speaker": 3, "speaker_confidence": 0.9472366 } ], "speaker": 3, "id": "36037478-2809-4211-879d-79adffe6e25a" }, { "start": 594.925, "end": 595.665, "confidence": 0.8918351, "channel": 0, "transcript": "data security.", "words": [ { "word": "data", "start": 594.925, "end": 595.165, "confidence": 0.99773896, "punctuated_word": "data", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "security", "start": 595.165, "end": 595.665, "confidence": 0.7859312, "punctuated_word": "security.", "speaker": 3, "speaker_confidence": 0.9472366 } ], "speaker": 3, "id": "7150f08a-d785-41fe-916f-0aea7c2386c6" }, { "start": 596.365, "end": 602.95, "confidence": 0.9676782, "channel": 0, "transcript": "And we're also seeing that come up in the in the broadband context. The FCC rules had a data security component that a lot of states are adopting.", "words": [ { "word": "and", "start": 596.365, "end": 596.605, "confidence": 0.9937656, "punctuated_word": "And", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "we're", "start": 596.605, "end": 596.845, "confidence": 0.99287844, "punctuated_word": "we're", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "also", "start": 596.845, "end": 597.08496, "confidence": 0.99695146, "punctuated_word": "also", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "seeing", "start": 597.08496, "end": 597.325, "confidence": 0.98941433, "punctuated_word": "seeing", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "that", "start": 597.325, "end": 597.485, "confidence": 0.9912845, "punctuated_word": "that", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "come", "start": 597.485, "end": 597.57, "confidence": 0.9302678, "punctuated_word": "come", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "up", "start": 597.57, "end": 597.73, "confidence": 0.99278426, "punctuated_word": "up", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "in", "start": 597.73, "end": 597.89, "confidence": 0.9983425, "punctuated_word": "in", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "the", "start": 597.89, "end": 597.97003, "confidence": 0.98417157, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "in", "start": 597.97003, "end": 598.01, "confidence": 0.9588905, "punctuated_word": "in", "speaker": 3, "speaker_confidence": 0.9472366 }, { "word": "the", "start": 598.01, "end": 598.05, "confidence": 0.9969066, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.66365266 }, { "word": "broadband", "start": 598.05, "end": 598.55, "confidence": 0.5995324, "punctuated_word": "broadband", "speaker": 3, "speaker_confidence": 0.66365266 }, { "word": "context", "start": 598.69, "end": 599.19, "confidence": 0.87225944, "punctuated_word": "context.", "speaker": 3, "speaker_confidence": 0.66365266 }, { "word": "the", "start": 599.25, "end": 599.49, "confidence": 0.9995235, "punctuated_word": "The", "speaker": 3, "speaker_confidence": 0.66365266 }, { "word": "fcc", "start": 599.49, "end": 599.89, "confidence": 0.9909452, "punctuated_word": "FCC", "speaker": 3, "speaker_confidence": 0.66365266 }, { "word": "rules", "start": 599.89, "end": 600.13, "confidence": 0.99282163, "punctuated_word": "rules", "speaker": 3, "speaker_confidence": 0.66365266 }, { "word": "had", "start": 600.13, "end": 600.29, "confidence": 0.9667185, "punctuated_word": "had", "speaker": 3, "speaker_confidence": 0.66365266 }, { "word": "a", "start": 600.29, "end": 600.37, "confidence": 0.98619276, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.45645916 }, { "word": "data", "start": 600.37, "end": 600.69, "confidence": 0.978585, "punctuated_word": "data", "speaker": 3, "speaker_confidence": 0.45645916 }, { "word": "security", "start": 600.69, "end": 601.01, "confidence": 0.98710144, "punctuated_word": "security", "speaker": 3, "speaker_confidence": 0.45645916 }, { "word": "component", "start": 601.01, "end": 601.41003, "confidence": 0.9990195, "punctuated_word": "component", "speaker": 3, "speaker_confidence": 0.45645916 }, { "word": "that", "start": 601.41003, "end": 601.57, "confidence": 0.9986903, "punctuated_word": "that", "speaker": 3, "speaker_confidence": 0.45645916 }, { "word": "a", "start": 601.57, "end": 601.65, "confidence": 0.998755, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.45645916 }, { "word": "lot", "start": 601.65, "end": 601.81, "confidence": 0.99981827, "punctuated_word": "lot", "speaker": 3, "speaker_confidence": 0.5592164 }, { "word": "of", "start": 601.81, "end": 601.97003, "confidence": 0.997934, "punctuated_word": "of", "speaker": 3, "speaker_confidence": 0.5592164 }, { "word": "states", "start": 601.97003, "end": 602.21, "confidence": 0.963753, "punctuated_word": "states", "speaker": 3, "speaker_confidence": 0.5592164 }, { "word": "are", "start": 602.21, "end": 602.45, "confidence": 0.99935716, "punctuated_word": "are", "speaker": 3, "speaker_confidence": 0.5592164 }, { "word": "adopting", "start": 602.45, "end": 602.95, "confidence": 0.93832743, "punctuated_word": "adopting.", "speaker": 3, "speaker_confidence": 0.5592164 } ], "speaker": 3, "id": "ee9a1e7a-4169-407a-af93-e6f10cbf728e" }, { "start": 603.89, "end": 607.27, "confidence": 0.9691692, "channel": 0, "transcript": "And that's also a place where, standards on the federal level,", "words": [ { "word": "and", "start": 603.89, "end": 604.05, "confidence": 0.9892859, "punctuated_word": "And", "speaker": 3, "speaker_confidence": 0.67933017 }, { "word": "that's", "start": 604.05, "end": 604.29, "confidence": 0.99919283, "punctuated_word": "that's", "speaker": 3, "speaker_confidence": 0.67933017 }, { "word": "also", "start": 604.29, "end": 604.61, "confidence": 0.99974114, "punctuated_word": "also", "speaker": 3, "speaker_confidence": 0.67933017 }, { "word": "a", "start": 604.61, "end": 604.69, "confidence": 0.9977436, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.67933017 }, { "word": "place", "start": 604.69, "end": 605.01, "confidence": 0.9998493, "punctuated_word": "place", "speaker": 3, "speaker_confidence": 0.67933017 }, { "word": "where", "start": 605.01, "end": 605.41003, "confidence": 0.888494, "punctuated_word": "where,", "speaker": 3, "speaker_confidence": 0.67933017 }, { "word": "standards", "start": 605.73, "end": 606.13, "confidence": 0.99807477, "punctuated_word": "standards", "speaker": 3, "speaker_confidence": 0.67933017 }, { "word": "on", "start": 606.13, "end": 606.29, "confidence": 0.9992893, "punctuated_word": "on", "speaker": 3, "speaker_confidence": 0.67933017 }, { "word": "the", "start": 606.29, "end": 606.37, "confidence": 0.9573297, "punctuated_word": "the", "speaker": 3, "speaker_confidence": 0.67933017 }, { "word": "federal", "start": 606.37, "end": 606.77, "confidence": 0.90368795, "punctuated_word": "federal", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "level", "start": 606.77, "end": 607.27, "confidence": 0.92817247, "punctuated_word": "level,", "speaker": 3, "speaker_confidence": 0.83524036 } ], "speaker": 3, "id": "5563cc89-344e-40fd-aed2-4418b45719e6" }, { "start": 608.29, "end": 609.03, "confidence": 0.998157, "channel": 0, "transcript": "have been", "words": [ { "word": "have", "start": 608.29, "end": 608.53, "confidence": 0.99776626, "punctuated_word": "have", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "been", "start": 608.53, "end": 609.03, "confidence": 0.99854773, "punctuated_word": "been", "speaker": 3, "speaker_confidence": 0.83524036 } ], "speaker": 3, "id": "fcb4f753-ceec-41fa-9f21-82d3b2a8d4a9" }, { "start": 609.49, "end": 630.06, "confidence": 0.95314807, "channel": 0, "transcript": "fairly flexible, which is not necessarily a bad thing, but it is an area where states can start to, experiment with with higher standards and more specific standards. Alright. Well, oh, Vijay, you have more to add, please. Yeah. I I think one other area that we're just seeing to pop up now, are these right to know bills. Right to know comes from the, actually, the,", "words": [ { "word": "fairly", "start": 609.49, "end": 609.89, "confidence": 0.9987255, "punctuated_word": "fairly", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "flexible", "start": 609.89, "end": 610.39, "confidence": 0.8166918, "punctuated_word": "flexible,", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "which", "start": 610.45, "end": 610.69, "confidence": 0.998381, "punctuated_word": "which", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "is", "start": 610.69, "end": 610.85004, "confidence": 0.9979533, "punctuated_word": "is", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "not", "start": 610.85004, "end": 611.09, "confidence": 0.9974201, "punctuated_word": "not", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "necessarily", "start": 611.09, "end": 611.59, "confidence": 0.9972499, "punctuated_word": "necessarily", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "a", "start": 611.655, "end": 611.934, "confidence": 0.9944617, "punctuated_word": "a", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "bad", "start": 611.934, "end": 612.213, "confidence": 0.99997723, "punctuated_word": "bad", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "thing", "start": 612.213, "end": 612.492, "confidence": 0.8794857, "punctuated_word": "thing,", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "but", "start": 612.492, "end": 612.77106, "confidence": 0.9995571, "punctuated_word": "but", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "it", "start": 612.77106, "end": 613.05005, "confidence": 0.99883646, "punctuated_word": "it", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "is", "start": 613.05005, "end": 613.32904, "confidence": 0.9981134, "punctuated_word": "is", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "an", "start": 613.32904, "end": 613.60803, "confidence": 0.9981384, "punctuated_word": "an", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "area", "start": 613.60803, "end": 613.887, "confidence": 0.9993611, "punctuated_word": "area", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "where", "start": 613.887, "end": 614.166, "confidence": 0.9993261, "punctuated_word": "where", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "states", "start": 614.166, "end": 614.445, "confidence": 0.98919666, "punctuated_word": "states", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "can", "start": 614.445, "end": 614.724, "confidence": 0.9996107, "punctuated_word": "can", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "start", "start": 614.724, "end": 615.00305, "confidence": 0.99970704, "punctuated_word": "start", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "to", "start": 615.00305, "end": 615.28204, "confidence": 0.9368598, "punctuated_word": "to,", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "experiment", "start": 615.56104, "end": 615.84, "confidence": 0.9992398, "punctuated_word": "experiment", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "with", "start": 615.84, "end": 616.119, "confidence": 0.99988973, "punctuated_word": "with", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "with", "start": 616.119, "end": 616.398, "confidence": 0.9872478, "punctuated_word": "with", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "higher", "start": 616.398, "end": 616.677, "confidence": 0.9991881, "punctuated_word": "higher", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "standards", "start": 616.677, "end": 616.956, "confidence": 0.9992086, "punctuated_word": "standards", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "and", "start": 616.956, "end": 617.23505, "confidence": 0.99611676, "punctuated_word": "and", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "more", "start": 617.23505, "end": 617.51404, "confidence": 0.99933004, "punctuated_word": "more", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "specific", "start": 617.51404, "end": 617.793, "confidence": 0.9991986, "punctuated_word": "specific", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "standards", "start": 617.793, "end": 618.072, "confidence": 0.9990972, "punctuated_word": "standards.", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "alright", "start": 618.072, "end": 618.351, "confidence": 0.98796093, "punctuated_word": "Alright.", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "well", "start": 618.351, "end": 618.63, "confidence": 0.78982365, "punctuated_word": "Well,", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "oh", "start": 618.63, "end": 618.909, "confidence": 0.60510266, "punctuated_word": "oh,", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "vijay", "start": 618.909, "end": 619.188, "confidence": 0.75836116, "punctuated_word": "Vijay,", "speaker": 3, "speaker_confidence": 0.83524036 }, { "word": "you", "start": 619.188, "end": 619.46704, "confidence": 0.98119235, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.091977715 }, { "word": "have", "start": 619.46704, "end": 619.74603, "confidence": 0.9886368, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.091977715 }, { "word": "more", "start": 619.74603, "end": 620.025, "confidence": 0.99882525, "punctuated_word": "more", "speaker": 2, "speaker_confidence": 0.2579596 }, { "word": "to", "start": 620.025, "end": 620.304, "confidence": 0.9975407, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.2579596 }, { "word": "add", "start": 620.304, "end": 620.583, "confidence": 0.9818526, "punctuated_word": "add,", "speaker": 2, "speaker_confidence": 0.2579596 }, { "word": "please", "start": 620.583, "end": 620.862, "confidence": 0.9267384, "punctuated_word": "please.", "speaker": 2, "speaker_confidence": 0.2579596 }, { "word": "yeah", "start": 620.862, "end": 621.141, "confidence": 0.8659978, "punctuated_word": "Yeah.", "speaker": 2, "speaker_confidence": 0.39606434 }, { "word": "i", "start": 621.141, "end": 621.42, "confidence": 0.99373204, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.39606434 }, { "word": "i", "start": 621.42, "end": 621.69904, "confidence": 0.67938304, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.39606434 }, { "word": "think", "start": 621.69904, "end": 621.978, "confidence": 0.99814546, "punctuated_word": "think", "speaker": 2, "speaker_confidence": 0.39606434 }, { "word": "one", "start": 621.978, "end": 622.257, "confidence": 0.9957287, "punctuated_word": "one", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "other", "start": 622.257, "end": 622.536, "confidence": 0.9973315, "punctuated_word": "other", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "area", "start": 622.536, "end": 622.815, "confidence": 0.9986388, "punctuated_word": "area", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "that", "start": 622.815, "end": 623.094, "confidence": 0.9990096, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "we're", "start": 623.094, "end": 623.373, "confidence": 0.89690125, "punctuated_word": "we're", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "just", "start": 623.373, "end": 623.652, "confidence": 0.98550737, "punctuated_word": "just", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "seeing", "start": 623.652, "end": 623.931, "confidence": 0.9617819, "punctuated_word": "seeing", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "to", "start": 623.931, "end": 624.21, "confidence": 0.95554006, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "pop", "start": 624.21, "end": 624.489, "confidence": 0.99928564, "punctuated_word": "pop", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "up", "start": 624.489, "end": 624.768, "confidence": 0.9965873, "punctuated_word": "up", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "now", "start": 624.768, "end": 625.047, "confidence": 0.97260773, "punctuated_word": "now,", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "are", "start": 625.326, "end": 625.605, "confidence": 0.9982673, "punctuated_word": "are", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "these", "start": 625.605, "end": 625.88403, "confidence": 0.9974927, "punctuated_word": "these", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "right", "start": 625.88403, "end": 626.163, "confidence": 0.8287094, "punctuated_word": "right", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "to", "start": 626.163, "end": 626.442, "confidence": 0.99678624, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "know", "start": 626.442, "end": 626.721, "confidence": 0.989721, "punctuated_word": "know", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "bills", "start": 626.721, "end": 627.0, "confidence": 0.92678285, "punctuated_word": "bills.", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "right", "start": 627.16, "end": 627.4, "confidence": 0.7138588, "punctuated_word": "Right", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "to", "start": 627.4, "end": 627.48, "confidence": 0.99860185, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "know", "start": 627.48, "end": 627.96, "confidence": 0.9956312, "punctuated_word": "know", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "comes", "start": 627.96, "end": 628.2, "confidence": 0.99725336, "punctuated_word": "comes", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "from", "start": 628.2, "end": 628.7, "confidence": 0.99754924, "punctuated_word": "from", "speaker": 0, "speaker_confidence": 0.84035695 }, { "word": "the", "start": 628.92, "end": 629.0, "confidence": 0.7623642, "punctuated_word": "the,", "speaker": 0, "speaker_confidence": 0.6866984 }, { "word": "actually", "start": 629.0, "end": 629.5, "confidence": 0.9464827, "punctuated_word": "actually,", "speaker": 0, "speaker_confidence": 0.6866984 }, { "word": "the", "start": 629.56, "end": 630.06, "confidence": 0.82164204, "punctuated_word": "the,", "speaker": 0, "speaker_confidence": 0.6866984 } ], "speaker": 3, "id": "d6ec72d5-43ab-46b8-8100-64fc79d933a3" }, { "start": 630.6, "end": 640.94, "confidence": 0.9704222, "channel": 0, "transcript": "environmental context where you have a right to know what chemicals you're breathing in the air, if there's a, you know, major factory or plant or something near you. And this is extending to data now. We've seen Illinois", "words": [ { "word": "environmental", "start": 630.6, "end": 631.1, "confidence": 0.99573886, "punctuated_word": "environmental", "speaker": 0, "speaker_confidence": 0.6866984 }, { "word": "context", "start": 631.24, "end": 631.64, "confidence": 0.99876297, "punctuated_word": "context", "speaker": 0, "speaker_confidence": 0.6866984 }, { "word": "where", "start": 631.64, "end": 632.12, "confidence": 0.5683716, "punctuated_word": "where", "speaker": 0, "speaker_confidence": 0.6866984 }, { "word": "you", "start": 632.12, "end": 632.44, "confidence": 0.99504364, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 0.6866984 }, { "word": "have", "start": 632.44, "end": 632.6, "confidence": 0.98790133, "punctuated_word": "have", "speaker": 0, "speaker_confidence": 0.6866984 }, { "word": "a", "start": 632.6, "end": 632.68, "confidence": 0.9881562, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.6866984 }, { "word": "right", "start": 632.68, "end": 632.84, "confidence": 0.9998276, "punctuated_word": "right", "speaker": 0, "speaker_confidence": 0.6866984 }, { "word": "to", "start": 632.84, "end": 632.92, "confidence": 0.9994905, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.5484027 }, { "word": "know", "start": 632.92, "end": 633.08, "confidence": 0.9996401, "punctuated_word": "know", "speaker": 0, "speaker_confidence": 0.5484027 }, { "word": "what", "start": 633.08, "end": 633.24, "confidence": 0.9979254, "punctuated_word": "what", "speaker": 0, "speaker_confidence": 0.5484027 }, { "word": "chemicals", "start": 633.24, "end": 633.64, "confidence": 0.9974832, "punctuated_word": "chemicals", "speaker": 0, "speaker_confidence": 0.5484027 }, { "word": "you're", "start": 633.64, "end": 633.8, "confidence": 0.9933069, "punctuated_word": "you're", "speaker": 0, "speaker_confidence": 0.5484027 }, { "word": "breathing", "start": 633.8, "end": 634.12, "confidence": 0.9994425, "punctuated_word": "breathing", "speaker": 0, "speaker_confidence": 0.5484027 }, { "word": "in", "start": 634.12, "end": 634.2, "confidence": 0.9994949, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 0.5484027 }, { "word": "the", "start": 634.2, "end": 634.28, "confidence": 0.99889284, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "air", "start": 634.28, "end": 634.44, "confidence": 0.8299271, "punctuated_word": "air,", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "if", "start": 634.44, "end": 634.52, "confidence": 0.99235725, "punctuated_word": "if", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "there's", "start": 634.52, "end": 634.84, "confidence": 0.99572235, "punctuated_word": "there's", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "a", "start": 634.84, "end": 635.16, "confidence": 0.89126164, "punctuated_word": "a,", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "you", "start": 635.16, "end": 635.32, "confidence": 0.9942561, "punctuated_word": "you", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "know", "start": 635.32, "end": 635.48, "confidence": 0.99742234, "punctuated_word": "know,", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "major", "start": 635.48, "end": 635.98, "confidence": 0.8874642, "punctuated_word": "major", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "factory", "start": 636.12, "end": 636.52, "confidence": 0.9973367, "punctuated_word": "factory", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "or", "start": 636.52, "end": 636.68, "confidence": 0.9672819, "punctuated_word": "or", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "plant", "start": 636.68, "end": 636.92, "confidence": 0.99575645, "punctuated_word": "plant", "speaker": 0, "speaker_confidence": 0.56756103 }, { "word": "or", "start": 636.92, "end": 637.0, "confidence": 0.9929721, "punctuated_word": "or", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "something", "start": 637.0, "end": 637.32, "confidence": 0.9998399, "punctuated_word": "something", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "near", "start": 637.32, "end": 637.48, "confidence": 0.9985257, "punctuated_word": "near", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "you", "start": 637.48, "end": 637.72, "confidence": 0.8640152, "punctuated_word": "you.", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "and", "start": 637.72, "end": 637.88, "confidence": 0.99078006, "punctuated_word": "And", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "this", "start": 637.88, "end": 638.12, "confidence": 0.9977063, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "is", "start": 638.12, "end": 638.2, "confidence": 0.9972933, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "extending", "start": 638.2, "end": 638.68, "confidence": 0.9989189, "punctuated_word": "extending", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "to", "start": 638.68, "end": 639.0, "confidence": 0.9905804, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "data", "start": 639.0, "end": 639.4, "confidence": 0.99550146, "punctuated_word": "data", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "now", "start": 639.4, "end": 639.72, "confidence": 0.9682065, "punctuated_word": "now.", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "we've", "start": 639.96, "end": 640.12, "confidence": 0.98655623, "punctuated_word": "We've", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "seen", "start": 640.12, "end": 640.44, "confidence": 0.9991229, "punctuated_word": "seen", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "illinois", "start": 640.44, "end": 640.94, "confidence": 0.9981804, "punctuated_word": "Illinois", "speaker": 0, "speaker_confidence": 0.88130844 } ], "speaker": 0, "id": "cb330545-9e8b-474b-ac40-c8ea273fe75e" }, { "start": 641.48, "end": 657.02, "confidence": 0.96544003, "channel": 0, "transcript": "say that consumers should have a right to know what third parties are being given your data and what's being done with it. I think this is gonna become more popular because it's actually gaining some real popular momentum in Illinois. So hopefully we'll see other states or maybe even the federal government pass a law like this. Well, that sounds optimistic.", "words": [ { "word": "say", "start": 641.48, "end": 641.72, "confidence": 0.99341923, "punctuated_word": "say", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "that", "start": 641.72, "end": 641.88, "confidence": 0.99359196, "punctuated_word": "that", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "consumers", "start": 641.88, "end": 642.36, "confidence": 0.97698045, "punctuated_word": "consumers", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "should", "start": 642.36, "end": 642.44, "confidence": 0.97259074, "punctuated_word": "should", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "have", "start": 642.44, "end": 642.6, "confidence": 0.98066956, "punctuated_word": "have", "speaker": 0, "speaker_confidence": 0.88130844 }, { "word": "a", "start": 642.6, "end": 642.68, "confidence": 0.9278444, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.44599712 }, { "word": "right", "start": 642.68, "end": 642.84, "confidence": 0.9792945, "punctuated_word": "right", "speaker": 0, "speaker_confidence": 0.44599712 }, { "word": "to", "start": 642.84, "end": 642.975, "confidence": 0.64068514, "punctuated_word": "to", "speaker": 0, "speaker_confidence": 0.44599712 }, { "word": "know", "start": 642.975, "end": 643.21497, "confidence": 0.98475015, "punctuated_word": "know", "speaker": 0, "speaker_confidence": 0.44599712 }, { "word": "what", "start": 643.21497, "end": 643.375, "confidence": 0.9931062, "punctuated_word": "what", "speaker": 0, "speaker_confidence": 0.44599712 }, { "word": "third", "start": 643.375, "end": 643.45496, "confidence": 0.9993856, "punctuated_word": "third", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "parties", "start": 643.45496, "end": 643.935, "confidence": 0.9997011, "punctuated_word": "parties", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "are", "start": 643.935, "end": 644.01495, "confidence": 0.9994505, "punctuated_word": "are", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "being", "start": 644.01495, "end": 644.51495, "confidence": 0.9962451, "punctuated_word": "being", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "given", "start": 644.57495, "end": 644.89496, "confidence": 0.9613384, "punctuated_word": "given", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "your", "start": 644.89496, "end": 645.055, "confidence": 0.99725395, "punctuated_word": "your", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "data", "start": 645.055, "end": 645.375, "confidence": 0.9998012, "punctuated_word": "data", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "and", "start": 645.375, "end": 645.535, "confidence": 0.91733956, "punctuated_word": "and", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "what's", "start": 645.535, "end": 645.77496, "confidence": 0.99970496, "punctuated_word": "what's", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "being", "start": 645.77496, "end": 646.01495, "confidence": 0.9983758, "punctuated_word": "being", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "done", "start": 646.01495, "end": 646.175, "confidence": 0.99992216, "punctuated_word": "done", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "with", "start": 646.175, "end": 646.33496, "confidence": 0.999848, "punctuated_word": "with", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "it", "start": 646.33496, "end": 646.57495, "confidence": 0.99509823, "punctuated_word": "it.", "speaker": 0, "speaker_confidence": 0.7058627 }, { "word": "i", "start": 646.735, "end": 646.815, "confidence": 0.999481, "punctuated_word": "I", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "think", "start": 646.815, "end": 646.975, "confidence": 0.99978775, "punctuated_word": "think", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "this", "start": 646.975, "end": 647.13495, "confidence": 0.9983193, "punctuated_word": "this", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "is", "start": 647.13495, "end": 647.21497, "confidence": 0.998195, "punctuated_word": "is", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "gonna", "start": 647.21497, "end": 647.45496, "confidence": 0.8219973, "punctuated_word": "gonna", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "become", "start": 647.45496, "end": 647.69495, "confidence": 0.9867953, "punctuated_word": "become", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "more", "start": 647.69495, "end": 647.855, "confidence": 0.99931943, "punctuated_word": "more", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "popular", "start": 647.855, "end": 648.255, "confidence": 0.99994814, "punctuated_word": "popular", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "because", "start": 648.255, "end": 648.495, "confidence": 0.8980555, "punctuated_word": "because", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "it's", "start": 648.495, "end": 648.65497, "confidence": 0.998989, "punctuated_word": "it's", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "actually", "start": 648.65497, "end": 648.975, "confidence": 0.99613947, "punctuated_word": "actually", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "gaining", "start": 648.975, "end": 649.295, "confidence": 0.99841666, "punctuated_word": "gaining", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "some", "start": 649.295, "end": 649.535, "confidence": 0.99945706, "punctuated_word": "some", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "real", "start": 649.535, "end": 649.77496, "confidence": 0.99650687, "punctuated_word": "real", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "popular", "start": 649.77496, "end": 650.095, "confidence": 0.9993925, "punctuated_word": "popular", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "momentum", "start": 650.095, "end": 650.495, "confidence": 0.99951255, "punctuated_word": "momentum", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "in", "start": 650.495, "end": 650.65497, "confidence": 0.9992229, "punctuated_word": "in", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "illinois", "start": 650.65497, "end": 651.13495, "confidence": 0.9048286, "punctuated_word": "Illinois.", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "so", "start": 651.13495, "end": 651.615, "confidence": 0.9966756, "punctuated_word": "So", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "hopefully", "start": 651.615, "end": 651.935, "confidence": 0.71650916, "punctuated_word": "hopefully", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "we'll", "start": 651.935, "end": 652.175, "confidence": 0.7505047, "punctuated_word": "we'll", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "see", "start": 652.175, "end": 652.33496, "confidence": 0.99952734, "punctuated_word": "see", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "other", "start": 652.33496, "end": 652.495, "confidence": 0.99891174, "punctuated_word": "other", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "states", "start": 652.495, "end": 652.89496, "confidence": 0.9987594, "punctuated_word": "states", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "or", "start": 652.89496, "end": 653.13495, "confidence": 0.91010106, "punctuated_word": "or", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "maybe", "start": 653.13495, "end": 653.45496, "confidence": 0.99752027, "punctuated_word": "maybe", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "even", "start": 653.45496, "end": 653.69495, "confidence": 0.9986767, "punctuated_word": "even", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "the", "start": 653.69495, "end": 653.855, "confidence": 0.9993882, "punctuated_word": "the", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "federal", "start": 653.855, "end": 654.175, "confidence": 0.95297235, "punctuated_word": "federal", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "government", "start": 654.175, "end": 654.65497, "confidence": 0.9994117, "punctuated_word": "government", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "pass", "start": 654.65497, "end": 654.89496, "confidence": 0.9972479, "punctuated_word": "pass", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "a", "start": 654.89496, "end": 655.055, "confidence": 0.9955864, "punctuated_word": "a", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "law", "start": 655.055, "end": 655.21497, "confidence": 0.97205204, "punctuated_word": "law", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "like", "start": 655.21497, "end": 655.375, "confidence": 0.9980915, "punctuated_word": "like", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "this", "start": 655.375, "end": 655.56, "confidence": 0.9867556, "punctuated_word": "this.", "speaker": 0, "speaker_confidence": 0.7965735 }, { "word": "well", "start": 655.8, "end": 655.96, "confidence": 0.7828678, "punctuated_word": "Well,", "speaker": 2, "speaker_confidence": 0.5437922 }, { "word": "that", "start": 655.96, "end": 656.12, "confidence": 0.9991998, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.5437922 }, { "word": "sounds", "start": 656.12, "end": 656.52, "confidence": 0.9954835, "punctuated_word": "sounds", "speaker": 2, "speaker_confidence": 0.5437922 }, { "word": "optimistic", "start": 656.52, "end": 657.02, "confidence": 0.910272, "punctuated_word": "optimistic.", "speaker": 2, "speaker_confidence": 0.5437922 } ], "speaker": 0, "id": "6829e3c0-3da9-4590-aefb-ced383930ac9" }, { "start": 658.27997, "end": 662.77997, "confidence": 0.97608066, "channel": 0, "transcript": "But but way to go, Illinois. Alright. Well, thank you so much for the updates, Natasha and Vijay.", "words": [ { "word": "but", "start": 658.27997, "end": 658.52, "confidence": 0.95708394, "punctuated_word": "But", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "but", "start": 658.52, "end": 658.76, "confidence": 0.95524544, "punctuated_word": "but", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "way", "start": 658.76, "end": 659.0, "confidence": 0.996391, "punctuated_word": "way", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "to", "start": 659.0, "end": 659.08, "confidence": 0.99948466, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "go", "start": 659.08, "end": 659.4, "confidence": 0.91208494, "punctuated_word": "go,", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "illinois", "start": 659.4, "end": 659.9, "confidence": 0.99678224, "punctuated_word": "Illinois.", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "alright", "start": 659.96, "end": 660.2, "confidence": 0.9790871, "punctuated_word": "Alright.", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "well", "start": 660.2, "end": 660.36, "confidence": 0.99168193, "punctuated_word": "Well,", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "thank", "start": 660.36, "end": 660.6, "confidence": 0.9991811, "punctuated_word": "thank", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "you", "start": 660.6, "end": 660.76, "confidence": 0.9998172, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "so", "start": 660.76, "end": 660.92, "confidence": 0.9990901, "punctuated_word": "so", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "much", "start": 660.92, "end": 661.08, "confidence": 0.9998018, "punctuated_word": "much", "speaker": 2, "speaker_confidence": 0.5643485 }, { "word": "for", "start": 661.08, "end": 661.16, "confidence": 0.9993043, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "the", "start": 661.16, "end": 661.32, "confidence": 0.998796, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "updates", "start": 661.32, "end": 661.72, "confidence": 0.9307456, "punctuated_word": "updates,", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "natasha", "start": 661.72, "end": 662.12, "confidence": 0.9737757, "punctuated_word": "Natasha", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "and", "start": 662.12, "end": 662.27997, "confidence": 0.9672335, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "vijay", "start": 662.27997, "end": 662.77997, "confidence": 0.9138647, "punctuated_word": "Vijay.", "speaker": 2, "speaker_confidence": 0.799611 } ], "speaker": 2, "id": "e8d581a4-0758-4a51-a29c-db49920f3355" }, { "start": 663.24, "end": 671.595, "confidence": 0.97493535, "channel": 0, "transcript": "Definitely keep it up. And as I joked before, if CDT, you know, starts to do more and more state stuff, we'll get you a Winnebago and send you on a 50 state tour. Looking", "words": [ { "word": "definitely", "start": 663.24, "end": 663.72, "confidence": 0.9991511, "punctuated_word": "Definitely", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "keep", "start": 663.72, "end": 663.88, "confidence": 0.99805534, "punctuated_word": "keep", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "it", "start": 663.88, "end": 664.12, "confidence": 0.999522, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "up", "start": 664.12, "end": 664.44, "confidence": 0.75018215, "punctuated_word": "up.", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "and", "start": 664.44, "end": 664.92, "confidence": 0.99700564, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "as", "start": 664.92, "end": 665.08, "confidence": 0.97968984, "punctuated_word": "as", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "i", "start": 665.08, "end": 665.24, "confidence": 0.9989849, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "joked", "start": 665.24, "end": 665.72, "confidence": 0.99181354, "punctuated_word": "joked", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "before", "start": 665.72, "end": 666.12, "confidence": 0.9840314, "punctuated_word": "before,", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "if", "start": 666.12, "end": 666.36, "confidence": 0.99630016, "punctuated_word": "if", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "cdt", "start": 666.36, "end": 666.84, "confidence": 0.9689807, "punctuated_word": "CDT,", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "you", "start": 666.84, "end": 667.0, "confidence": 0.99960154, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "know", "start": 667.0, "end": 667.24, "confidence": 0.9905509, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "starts", "start": 667.24, "end": 667.56, "confidence": 0.70682377, "punctuated_word": "starts", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "to", "start": 667.56, "end": 667.64, "confidence": 0.9994062, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "do", "start": 667.64, "end": 667.72, "confidence": 0.999819, "punctuated_word": "do", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "more", "start": 667.72, "end": 667.88, "confidence": 0.9994247, "punctuated_word": "more", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "and", "start": 667.88, "end": 668.04, "confidence": 0.9992704, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "more", "start": 668.04, "end": 668.2, "confidence": 0.9998319, "punctuated_word": "more", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "state", "start": 668.2, "end": 668.36, "confidence": 0.93825936, "punctuated_word": "state", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "stuff", "start": 668.36, "end": 668.52, "confidence": 0.90849274, "punctuated_word": "stuff,", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "we'll", "start": 668.52, "end": 668.68, "confidence": 0.9975232, "punctuated_word": "we'll", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "get", "start": 668.68, "end": 668.84, "confidence": 0.9998266, "punctuated_word": "get", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "you", "start": 668.84, "end": 668.92, "confidence": 0.99825007, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.799611 }, { "word": "a", "start": 668.92, "end": 669.0, "confidence": 0.9830421, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "winnebago", "start": 669.0, "end": 669.5, "confidence": 0.9905894, "punctuated_word": "Winnebago", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "and", "start": 669.56, "end": 669.64, "confidence": 0.9896123, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "send", "start": 669.64, "end": 669.88, "confidence": 0.9992861, "punctuated_word": "send", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "you", "start": 669.88, "end": 670.04, "confidence": 0.9994948, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "on", "start": 670.04, "end": 670.12, "confidence": 0.99264634, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "a", "start": 670.12, "end": 670.2, "confidence": 0.9982748, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "50", "start": 670.2, "end": 670.52, "confidence": 0.99787986, "punctuated_word": "50", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "state", "start": 670.52, "end": 670.935, "confidence": 0.9917476, "punctuated_word": "state", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "tour", "start": 670.935, "end": 671.095, "confidence": 0.9891566, "punctuated_word": "tour.", "speaker": 2, "speaker_confidence": 0.5545339 }, { "word": "looking", "start": 671.095, "end": 671.595, "confidence": 0.9902153, "punctuated_word": "Looking", "speaker": 0, "speaker_confidence": 0.19241881 } ], "speaker": 2, "id": "8f006539-1412-429a-8700-71c000f92c38" }, { "start": 672.135, "end": 674.555, "confidence": 0.9960302, "channel": 0, "transcript": "forward to it. Thank you so much. Thank you. Thanks.", "words": [ { "word": "forward", "start": 672.135, "end": 672.41504, "confidence": 0.99839646, "punctuated_word": "forward", "speaker": 0, "speaker_confidence": 0.19241881 }, { "word": "to", "start": 672.41504, "end": 672.695, "confidence": 0.9924224, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.017642736 }, { "word": "it", "start": 672.695, "end": 672.775, "confidence": 0.9939331, "punctuated_word": "it.", "speaker": 1, "speaker_confidence": 0.017642736 }, { "word": "thank", "start": 672.775, "end": 672.935, "confidence": 0.9976942, "punctuated_word": "Thank", "speaker": 2, "speaker_confidence": 0.3566736 }, { "word": "you", "start": 672.935, "end": 673.095, "confidence": 0.9996724, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.3566736 }, { "word": "so", "start": 673.095, "end": 673.255, "confidence": 0.9986926, "punctuated_word": "so", "speaker": 2, "speaker_confidence": 0.3566736 }, { "word": "much", "start": 673.255, "end": 673.575, "confidence": 0.99953294, "punctuated_word": "much.", "speaker": 2, "speaker_confidence": 0.3566736 }, { "word": "thank", "start": 673.575, "end": 673.735, "confidence": 0.98563856, "punctuated_word": "Thank", "speaker": 3, "speaker_confidence": 0.18548846 }, { "word": "you", "start": 673.735, "end": 674.055, "confidence": 0.9988373, "punctuated_word": "you.", "speaker": 3, "speaker_confidence": 0.18548846 }, { "word": "thanks", "start": 674.055, "end": 674.555, "confidence": 0.9954827, "punctuated_word": "Thanks.", "speaker": 3, "speaker_confidence": 0.18548846 } ], "speaker": 2, "id": "e2ec530d-ad80-43a4-a67e-b1d6b1bfd748" }, { "start": 678.855, "end": 692.57, "confidence": 0.9774991, "channel": 0, "transcript": "Most Americans have a bank account, at least one credit card, perhaps more, and a loan or two for a car or that pricey college degree. These all come with interest rates and payment schedules and a lot of data about how much money we have and how we spend it.", "words": [ { "word": "most", "start": 678.855, "end": 679.175, "confidence": 0.6643713, "punctuated_word": "Most", "speaker": 2, "speaker_confidence": 0.537215 }, { "word": "americans", "start": 679.175, "end": 679.65497, "confidence": 0.9994424, "punctuated_word": "Americans", "speaker": 2, "speaker_confidence": 0.537215 }, { "word": "have", "start": 679.65497, "end": 679.815, "confidence": 0.99976474, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 0.537215 }, { "word": "a", "start": 679.815, "end": 679.895, "confidence": 0.9985709, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.537215 }, { "word": "bank", "start": 679.895, "end": 680.215, "confidence": 0.9997738, "punctuated_word": "bank", "speaker": 2, "speaker_confidence": 0.537215 }, { "word": "account", "start": 680.215, "end": 680.695, "confidence": 0.95305467, "punctuated_word": "account,", "speaker": 2, "speaker_confidence": 0.537215 }, { "word": "at", "start": 680.695, "end": 680.855, "confidence": 0.9992107, "punctuated_word": "at", "speaker": 2, "speaker_confidence": 0.57840407 }, { "word": "least", "start": 680.855, "end": 681.095, "confidence": 0.9998919, "punctuated_word": "least", "speaker": 2, "speaker_confidence": 0.57840407 }, { "word": "one", "start": 681.095, "end": 681.415, "confidence": 0.9961052, "punctuated_word": "one", "speaker": 2, "speaker_confidence": 0.57840407 }, { "word": "credit", "start": 681.415, "end": 681.735, "confidence": 0.9997732, "punctuated_word": "credit", "speaker": 2, "speaker_confidence": 0.57840407 }, { "word": "card", "start": 681.735, "end": 682.055, "confidence": 0.98431075, "punctuated_word": "card,", "speaker": 2, "speaker_confidence": 0.57840407 }, { "word": "perhaps", "start": 682.055, "end": 682.535, "confidence": 0.9968188, "punctuated_word": "perhaps", "speaker": 2, "speaker_confidence": 0.57840407 }, { "word": "more", "start": 682.535, "end": 682.95, "confidence": 0.9636271, "punctuated_word": "more,", "speaker": 2, "speaker_confidence": 0.57840407 }, { "word": "and", "start": 682.95, "end": 683.03, "confidence": 0.9951492, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "a", "start": 683.03, "end": 683.19, "confidence": 0.9951971, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "loan", "start": 683.19, "end": 683.35004, "confidence": 0.9996903, "punctuated_word": "loan", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "or", "start": 683.35004, "end": 683.43, "confidence": 0.99637765, "punctuated_word": "or", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "two", "start": 683.43, "end": 683.67, "confidence": 0.99976665, "punctuated_word": "two", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "for", "start": 683.67, "end": 683.91003, "confidence": 0.9978344, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "a", "start": 683.91003, "end": 683.99, "confidence": 0.9925471, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "car", "start": 683.99, "end": 684.23004, "confidence": 0.99981064, "punctuated_word": "car", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "or", "start": 684.23004, "end": 684.47003, "confidence": 0.92793137, "punctuated_word": "or", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "that", "start": 684.47003, "end": 684.63, "confidence": 0.9926643, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "pricey", "start": 684.63, "end": 685.03, "confidence": 0.90013885, "punctuated_word": "pricey", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "college", "start": 685.03, "end": 685.35004, "confidence": 0.99900144, "punctuated_word": "college", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "degree", "start": 685.35004, "end": 685.85004, "confidence": 0.99854076, "punctuated_word": "degree.", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "these", "start": 686.15, "end": 686.39, "confidence": 0.98576087, "punctuated_word": "These", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "all", "start": 686.39, "end": 686.55, "confidence": 0.99815744, "punctuated_word": "all", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "come", "start": 686.55, "end": 686.71, "confidence": 0.99924695, "punctuated_word": "come", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "with", "start": 686.71, "end": 686.95, "confidence": 0.99902356, "punctuated_word": "with", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "interest", "start": 686.95, "end": 687.35004, "confidence": 0.9987496, "punctuated_word": "interest", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "rates", "start": 687.35004, "end": 687.67, "confidence": 0.99904877, "punctuated_word": "rates", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "and", "start": 687.67, "end": 687.91003, "confidence": 0.8527173, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "payment", "start": 687.91003, "end": 688.31, "confidence": 0.9874757, "punctuated_word": "payment", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "schedules", "start": 688.31, "end": 688.71, "confidence": 0.9993401, "punctuated_word": "schedules", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "and", "start": 688.71, "end": 688.95, "confidence": 0.72944564, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "a", "start": 688.95, "end": 689.03, "confidence": 0.99843556, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.8354807 }, { "word": "lot", "start": 689.03, "end": 689.19, "confidence": 0.9984812, "punctuated_word": "lot", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "of", "start": 689.19, "end": 689.35004, "confidence": 0.9978264, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "data", "start": 689.35004, "end": 689.75, "confidence": 0.9997334, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "about", "start": 689.75, "end": 689.99, "confidence": 0.99854565, "punctuated_word": "about", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "how", "start": 689.99, "end": 690.23004, "confidence": 0.99819595, "punctuated_word": "how", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "much", "start": 690.23004, "end": 690.47003, "confidence": 0.99947685, "punctuated_word": "much", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "money", "start": 690.47003, "end": 690.71, "confidence": 0.99812716, "punctuated_word": "money", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "we", "start": 690.71, "end": 690.87, "confidence": 0.9995123, "punctuated_word": "we", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "have", "start": 690.87, "end": 691.27, "confidence": 0.99982315, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "and", "start": 691.27, "end": 691.43, "confidence": 0.971235, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "how", "start": 691.43, "end": 691.67, "confidence": 0.9992894, "punctuated_word": "how", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "we", "start": 691.67, "end": 691.83, "confidence": 0.99818975, "punctuated_word": "we", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "spend", "start": 691.83, "end": 692.07, "confidence": 0.99803287, "punctuated_word": "spend", "speaker": 2, "speaker_confidence": 0.6887783 }, { "word": "it", "start": 692.07, "end": 692.57, "confidence": 0.99921703, "punctuated_word": "it.", "speaker": 2, "speaker_confidence": 0.6887783 } ], "speaker": 2, "id": "a9d62cdd-52ec-4f2d-b04a-462b8cb4f5e1" }, { "start": 692.95, "end": 703.205, "confidence": 0.9953433, "channel": 0, "transcript": "This is data that is often used to decide if we qualify for a new loan or receive financial aid for school. And this data is also potentially very valuable to businesses wanting to offer a range of services.", "words": [ { "word": "this", "start": 692.95, "end": 693.11, "confidence": 0.9988324, "punctuated_word": "This", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "is", "start": 693.11, "end": 693.35004, "confidence": 0.99653244, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "data", "start": 693.35004, "end": 693.59, "confidence": 0.99908495, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "that", "start": 693.59, "end": 693.75, "confidence": 0.999403, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "is", "start": 693.75, "end": 693.91003, "confidence": 0.99809605, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "often", "start": 693.91003, "end": 694.23004, "confidence": 0.99959177, "punctuated_word": "often", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "used", "start": 694.23004, "end": 694.47003, "confidence": 0.9982815, "punctuated_word": "used", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "to", "start": 694.47003, "end": 694.55, "confidence": 0.9969831, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "decide", "start": 694.55, "end": 694.87, "confidence": 0.99914145, "punctuated_word": "decide", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "if", "start": 694.87, "end": 694.95, "confidence": 0.9992256, "punctuated_word": "if", "speaker": 2, "speaker_confidence": 0.5195303 }, { "word": "we", "start": 694.95, "end": 695.11, "confidence": 0.9990256, "punctuated_word": "we", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "qualify", "start": 695.11, "end": 695.59, "confidence": 0.997789, "punctuated_word": "qualify", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "for", "start": 695.59, "end": 695.75, "confidence": 0.99870396, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "a", "start": 695.75, "end": 695.91003, "confidence": 0.99857366, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "new", "start": 695.91003, "end": 696.07, "confidence": 0.9996118, "punctuated_word": "new", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "loan", "start": 696.07, "end": 696.39, "confidence": 0.99965906, "punctuated_word": "loan", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "or", "start": 696.39, "end": 696.55, "confidence": 0.9669426, "punctuated_word": "or", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "receive", "start": 696.55, "end": 696.87, "confidence": 0.9909175, "punctuated_word": "receive", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "financial", "start": 696.87, "end": 697.37, "confidence": 0.99891174, "punctuated_word": "financial", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "aid", "start": 697.425, "end": 697.58496, "confidence": 0.98434806, "punctuated_word": "aid", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "for", "start": 697.58496, "end": 697.745, "confidence": 0.9967173, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "school", "start": 697.745, "end": 698.245, "confidence": 0.941059, "punctuated_word": "school.", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "and", "start": 698.305, "end": 698.46497, "confidence": 0.9960962, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "this", "start": 698.46497, "end": 698.705, "confidence": 0.9992768, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "data", "start": 698.705, "end": 699.02496, "confidence": 0.9996512, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "is", "start": 699.02496, "end": 699.265, "confidence": 0.9995322, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "also", "start": 699.265, "end": 699.505, "confidence": 0.99852717, "punctuated_word": "also", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "potentially", "start": 699.505, "end": 699.985, "confidence": 0.9951408, "punctuated_word": "potentially", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "very", "start": 699.985, "end": 700.225, "confidence": 0.998192, "punctuated_word": "very", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "valuable", "start": 700.225, "end": 700.705, "confidence": 0.9985226, "punctuated_word": "valuable", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "to", "start": 700.705, "end": 700.945, "confidence": 0.9983581, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "businesses", "start": 700.945, "end": 701.445, "confidence": 0.9982034, "punctuated_word": "businesses", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "wanting", "start": 701.505, "end": 701.745, "confidence": 0.9876795, "punctuated_word": "wanting", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "to", "start": 701.745, "end": 701.90497, "confidence": 0.9985038, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "offer", "start": 701.90497, "end": 702.06494, "confidence": 0.999798, "punctuated_word": "offer", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "a", "start": 702.06494, "end": 702.225, "confidence": 0.9960467, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.81466174 }, { "word": "range", "start": 702.225, "end": 702.545, "confidence": 0.99986553, "punctuated_word": "range", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "of", "start": 702.545, "end": 702.705, "confidence": 0.9987619, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "services", "start": 702.705, "end": 703.205, "confidence": 0.9988053, "punctuated_word": "services.", "speaker": 2, "speaker_confidence": 0.90889645 } ], "speaker": 2, "id": "fbef37be-f6d4-47fb-a65f-4c6abac7c8a4" }, { "start": 703.825, "end": 717.22003, "confidence": 0.9778456, "channel": 0, "transcript": "InvestNet Yodlee is one such company that is leveraging this financial data to offer a variety of services in the fintech space. They are facing a number of challenges though, when it comes to consumers' financial data, including questions around who has control and responsibility", "words": [ { "word": "investnet", "start": 703.825, "end": 704.325, "confidence": 0.6952797, "punctuated_word": "InvestNet", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "yodlee", "start": 704.385, "end": 704.785, "confidence": 0.9066251, "punctuated_word": "Yodlee", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "is", "start": 704.785, "end": 704.945, "confidence": 0.99609214, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "one", "start": 704.945, "end": 705.105, "confidence": 0.99611735, "punctuated_word": "one", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "such", "start": 705.105, "end": 705.345, "confidence": 0.99507374, "punctuated_word": "such", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "company", "start": 705.345, "end": 705.665, "confidence": 0.9932766, "punctuated_word": "company", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "that", "start": 705.665, "end": 705.825, "confidence": 0.9992544, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "is", "start": 705.825, "end": 705.985, "confidence": 0.9991779, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "leveraging", "start": 705.985, "end": 706.46497, "confidence": 0.99789006, "punctuated_word": "leveraging", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "this", "start": 706.46497, "end": 706.705, "confidence": 0.99620265, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "financial", "start": 706.705, "end": 707.105, "confidence": 0.99945205, "punctuated_word": "financial", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "data", "start": 707.105, "end": 707.425, "confidence": 0.99948514, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "to", "start": 707.425, "end": 707.58496, "confidence": 0.9986865, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "offer", "start": 707.58496, "end": 707.825, "confidence": 0.9996526, "punctuated_word": "offer", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "a", "start": 707.825, "end": 707.985, "confidence": 0.9964474, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "variety", "start": 707.985, "end": 708.46497, "confidence": 0.999705, "punctuated_word": "variety", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "of", "start": 708.46497, "end": 708.625, "confidence": 0.99970156, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "services", "start": 708.625, "end": 709.125, "confidence": 0.99951696, "punctuated_word": "services", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "in", "start": 709.185, "end": 709.265, "confidence": 0.9932554, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "the", "start": 709.265, "end": 709.425, "confidence": 0.99960154, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "fintech", "start": 709.425, "end": 709.825, "confidence": 0.9651734, "punctuated_word": "fintech", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "space", "start": 709.825, "end": 710.325, "confidence": 0.99778783, "punctuated_word": "space.", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "they", "start": 710.46497, "end": 710.625, "confidence": 0.99415946, "punctuated_word": "They", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "are", "start": 710.625, "end": 710.785, "confidence": 0.65349793, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "facing", "start": 710.785, "end": 711.02496, "confidence": 0.9993711, "punctuated_word": "facing", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "a", "start": 711.02496, "end": 711.185, "confidence": 0.9987519, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "number", "start": 711.185, "end": 711.425, "confidence": 0.99985445, "punctuated_word": "number", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "of", "start": 711.425, "end": 711.58496, "confidence": 0.9990395, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "challenges", "start": 711.58496, "end": 712.08, "confidence": 0.9987362, "punctuated_word": "challenges", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "though", "start": 712.08, "end": 712.24, "confidence": 0.99541855, "punctuated_word": "though,", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "when", "start": 712.24, "end": 712.4, "confidence": 0.9999167, "punctuated_word": "when", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "it", "start": 712.4, "end": 712.48004, "confidence": 0.99987423, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.90889645 }, { "word": "comes", "start": 712.48004, "end": 712.56, "confidence": 0.9995703, "punctuated_word": "comes", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "to", "start": 712.56, "end": 712.96, "confidence": 0.997644, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "consumers'", "start": 712.96, "end": 713.44, "confidence": 0.9047346, "punctuated_word": "consumers'", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "financial", "start": 713.44, "end": 713.92004, "confidence": 0.9994885, "punctuated_word": "financial", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "data", "start": 713.92004, "end": 714.42004, "confidence": 0.9822471, "punctuated_word": "data,", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "including", "start": 714.56, "end": 714.96, "confidence": 0.99976367, "punctuated_word": "including", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "questions", "start": 714.96, "end": 715.36005, "confidence": 0.9994604, "punctuated_word": "questions", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "around", "start": 715.36005, "end": 715.76, "confidence": 0.9993869, "punctuated_word": "around", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "who", "start": 715.76, "end": 715.92004, "confidence": 0.9632513, "punctuated_word": "who", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "has", "start": 715.92004, "end": 716.16003, "confidence": 0.9997031, "punctuated_word": "has", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "control", "start": 716.16003, "end": 716.48004, "confidence": 0.99840957, "punctuated_word": "control", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "and", "start": 716.48004, "end": 716.72003, "confidence": 0.99859625, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "responsibility", "start": 716.72003, "end": 717.22003, "confidence": 0.9987204, "punctuated_word": "responsibility", "speaker": 2, "speaker_confidence": 0.8910949 } ], "speaker": 2, "id": "635310bf-b2c6-4308-a2e4-b59b39f58bbc" }, { "start": 717.60004, "end": 724.26, "confidence": 0.974521, "channel": 0, "transcript": "for that data. Steve Baums, the vice president of government affairs at Yodlee, joins us today to talk through some of these issues. Welcome,", "words": [ { "word": "for", "start": 717.60004, "end": 717.76, "confidence": 0.99946994, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "that", "start": 717.76, "end": 718.0, "confidence": 0.9969283, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "data", "start": 718.0, "end": 718.5, "confidence": 0.9336833, "punctuated_word": "data.", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "steve", "start": 718.8, "end": 719.12, "confidence": 0.99744403, "punctuated_word": "Steve", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "baums", "start": 719.12, "end": 719.52, "confidence": 0.677622, "punctuated_word": "Baums,", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "the", "start": 719.52, "end": 719.60004, "confidence": 0.99793315, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "vice", "start": 719.60004, "end": 719.92004, "confidence": 0.9376144, "punctuated_word": "vice", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "president", "start": 719.92004, "end": 720.24, "confidence": 0.99859506, "punctuated_word": "president", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "of", "start": 720.24, "end": 720.4, "confidence": 0.99947506, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "government", "start": 720.4, "end": 720.8, "confidence": 0.9539066, "punctuated_word": "government", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "affairs", "start": 720.8, "end": 721.2, "confidence": 0.9986492, "punctuated_word": "affairs", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "at", "start": 721.2, "end": 721.36005, "confidence": 0.9947589, "punctuated_word": "at", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "yodlee", "start": 721.36005, "end": 721.84, "confidence": 0.9130476, "punctuated_word": "Yodlee,", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "joins", "start": 721.84, "end": 722.08, "confidence": 0.9970439, "punctuated_word": "joins", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "us", "start": 722.08, "end": 722.24, "confidence": 0.99982435, "punctuated_word": "us", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "today", "start": 722.24, "end": 722.48004, "confidence": 0.9994215, "punctuated_word": "today", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "to", "start": 722.48004, "end": 722.64, "confidence": 0.99900275, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "talk", "start": 722.64, "end": 722.8, "confidence": 0.9999049, "punctuated_word": "talk", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "through", "start": 722.8, "end": 722.96, "confidence": 0.9995995, "punctuated_word": "through", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "some", "start": 722.96, "end": 723.12, "confidence": 0.999658, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "of", "start": 723.12, "end": 723.2, "confidence": 0.9998216, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "these", "start": 723.2, "end": 723.44, "confidence": 0.9992242, "punctuated_word": "these", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "issues", "start": 723.44, "end": 723.76, "confidence": 0.99961793, "punctuated_word": "issues.", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "welcome", "start": 723.76, "end": 724.26, "confidence": 0.99625725, "punctuated_word": "Welcome,", "speaker": 2, "speaker_confidence": 0.8910949 } ], "speaker": 2, "id": "dd4512c9-2fc6-4ed2-afb3-df626f49b78f" }, { "start": 724.67505, "end": 734.61505, "confidence": 0.9713402, "channel": 0, "transcript": "Steve. Hello. So first, tell us about Yodlee in general. So for the folks who don't know Sure. And you also have this thing called screenless data capture. What the heck is that? Sure. So", "words": [ { "word": "steve", "start": 724.67505, "end": 724.91504, "confidence": 0.99956524, "punctuated_word": "Steve.", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "hello", "start": 724.91504, "end": 725.41504, "confidence": 0.99925756, "punctuated_word": "Hello.", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "so", "start": 725.635, "end": 725.875, "confidence": 0.9991547, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "first", "start": 725.875, "end": 726.195, "confidence": 0.87953013, "punctuated_word": "first,", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "tell", "start": 726.195, "end": 726.35504, "confidence": 0.9992248, "punctuated_word": "tell", "speaker": 2, "speaker_confidence": 0.8910949 }, { "word": "us", "start": 726.35504, "end": 726.59503, "confidence": 0.9996125, "punctuated_word": "us", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "about", "start": 726.59503, "end": 726.91504, "confidence": 0.99844885, "punctuated_word": "about", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "yodlee", "start": 726.91504, "end": 727.41504, "confidence": 0.9995493, "punctuated_word": "Yodlee", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "in", "start": 727.47504, "end": 727.635, "confidence": 0.940978, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "general", "start": 727.635, "end": 727.955, "confidence": 0.8332707, "punctuated_word": "general.", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "so", "start": 727.955, "end": 728.195, "confidence": 0.99921584, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "for", "start": 728.195, "end": 728.435, "confidence": 0.987183, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "the", "start": 728.435, "end": 728.515, "confidence": 0.9980202, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "folks", "start": 728.515, "end": 728.835, "confidence": 0.9994554, "punctuated_word": "folks", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "who", "start": 728.835, "end": 728.995, "confidence": 0.998089, "punctuated_word": "who", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "don't", "start": 728.995, "end": 729.03503, "confidence": 0.99996924, "punctuated_word": "don't", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "know", "start": 729.03503, "end": 729.075, "confidence": 0.999564, "punctuated_word": "know", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "sure", "start": 729.395, "end": 729.59503, "confidence": 0.99199086, "punctuated_word": "Sure.", "speaker": 2, "speaker_confidence": 0.77174735 }, { "word": "and", "start": 729.79504, "end": 730.03503, "confidence": 0.992332, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "you", "start": 730.03503, "end": 730.195, "confidence": 0.99928206, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "also", "start": 730.195, "end": 730.435, "confidence": 0.9994784, "punctuated_word": "also", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "have", "start": 730.435, "end": 730.59503, "confidence": 0.9994199, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "this", "start": 730.59503, "end": 730.755, "confidence": 0.9989604, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "thing", "start": 730.755, "end": 730.995, "confidence": 0.99945253, "punctuated_word": "thing", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "called", "start": 730.995, "end": 731.395, "confidence": 0.9989673, "punctuated_word": "called", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "screenless", "start": 731.395, "end": 731.895, "confidence": 0.772472, "punctuated_word": "screenless", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "data", "start": 732.03503, "end": 732.35504, "confidence": 0.99912804, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "capture", "start": 732.35504, "end": 732.835, "confidence": 0.9971266, "punctuated_word": "capture.", "speaker": 2, "speaker_confidence": 0.7154376 }, { "word": "what", "start": 732.835, "end": 732.995, "confidence": 0.9991239, "punctuated_word": "What", "speaker": 2, "speaker_confidence": 0.31924385 }, { "word": "the", "start": 732.995, "end": 733.155, "confidence": 0.99932003, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.31924385 }, { "word": "heck", "start": 733.155, "end": 733.315, "confidence": 0.9996791, "punctuated_word": "heck", "speaker": 2, "speaker_confidence": 0.31924385 }, { "word": "is", "start": 733.315, "end": 733.47504, "confidence": 0.99927527, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.31924385 }, { "word": "that", "start": 733.47504, "end": 733.79504, "confidence": 0.9989733, "punctuated_word": "that?", "speaker": 2, "speaker_confidence": 0.31924385 }, { "word": "sure", "start": 733.79504, "end": 734.11505, "confidence": 0.9512974, "punctuated_word": "Sure.", "speaker": 1, "speaker_confidence": 0.39858723 }, { "word": "so", "start": 734.11505, "end": 734.61505, "confidence": 0.6705336, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.39858723 } ], "speaker": 2, "id": "0253d953-2033-4226-853c-5fe82d0a4ce6" }, { "start": 734.995, "end": 737.895, "confidence": 0.97272146, "channel": 0, "transcript": "the best and easiest way to think about Yodlee is as the intermediary", "words": [ { "word": "the", "start": 734.995, "end": 735.155, "confidence": 0.93071204, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.39858723 }, { "word": "best", "start": 735.155, "end": 735.315, "confidence": 0.98694915, "punctuated_word": "best", "speaker": 1, "speaker_confidence": 0.39858723 }, { "word": "and", "start": 735.315, "end": 735.47504, "confidence": 0.99556965, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.39858723 }, { "word": "easiest", "start": 735.47504, "end": 735.875, "confidence": 0.9992137, "punctuated_word": "easiest", "speaker": 1, "speaker_confidence": 0.39858723 }, { "word": "way", "start": 735.875, "end": 735.955, "confidence": 0.9960049, "punctuated_word": "way", "speaker": 1, "speaker_confidence": 0.39858723 }, { "word": "to", "start": 735.955, "end": 736.03503, "confidence": 0.97837836, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "think", "start": 736.03503, "end": 736.195, "confidence": 0.9966994, "punctuated_word": "think", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "about", "start": 736.195, "end": 736.435, "confidence": 0.9765978, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "yodlee", "start": 736.435, "end": 736.835, "confidence": 0.9984007, "punctuated_word": "Yodlee", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "is", "start": 736.835, "end": 737.075, "confidence": 0.9878078, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "as", "start": 737.075, "end": 737.23505, "confidence": 0.96880853, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "the", "start": 737.23505, "end": 737.395, "confidence": 0.9222651, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "intermediary", "start": 737.395, "end": 737.895, "confidence": 0.9079714, "punctuated_word": "intermediary", "speaker": 1, "speaker_confidence": 0.79410005 } ], "speaker": 1, "id": "0293f87e-f632-4a4f-bb76-3a4b62243e36" }, { "start": 738.23, "end": 744.88995, "confidence": 0.9801791, "channel": 0, "transcript": "between fintech and the traditional banking sector. We're about twenty years old. So we're one of the first fintech companies out there.", "words": [ { "word": "between", "start": 738.23, "end": 738.73, "confidence": 0.93249255, "punctuated_word": "between", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "fintech", "start": 738.79, "end": 739.19, "confidence": 0.96519536, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "and", "start": 739.19, "end": 739.35, "confidence": 0.9992841, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "the", "start": 739.35, "end": 739.50995, "confidence": 0.9765083, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "traditional", "start": 739.50995, "end": 739.82996, "confidence": 0.9741313, "punctuated_word": "traditional", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "banking", "start": 739.82996, "end": 740.23, "confidence": 0.9997378, "punctuated_word": "banking", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "sector", "start": 740.23, "end": 740.62994, "confidence": 0.9987099, "punctuated_word": "sector.", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "we're", "start": 740.62994, "end": 740.94995, "confidence": 0.9992169, "punctuated_word": "We're", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "about", "start": 740.94995, "end": 741.35, "confidence": 0.9995741, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "twenty", "start": 741.35, "end": 741.67, "confidence": 0.9997032, "punctuated_word": "twenty", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "years", "start": 741.67, "end": 741.91, "confidence": 0.9997881, "punctuated_word": "years", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "old", "start": 741.91, "end": 742.14996, "confidence": 0.7773649, "punctuated_word": "old.", "speaker": 1, "speaker_confidence": 0.79410005 }, { "word": "so", "start": 742.14996, "end": 742.38995, "confidence": 0.9988066, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.32315361 }, { "word": "we're", "start": 742.38995, "end": 742.62994, "confidence": 0.9994932, "punctuated_word": "we're", "speaker": 1, "speaker_confidence": 0.32315361 }, { "word": "one", "start": 742.62994, "end": 742.79, "confidence": 0.9996269, "punctuated_word": "one", "speaker": 1, "speaker_confidence": 0.32315361 }, { "word": "of", "start": 742.79, "end": 742.87, "confidence": 0.9990509, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.32315361 }, { "word": "the", "start": 742.87, "end": 743.02997, "confidence": 0.9990766, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.32315361 }, { "word": "first", "start": 743.02997, "end": 743.50995, "confidence": 0.99800307, "punctuated_word": "first", "speaker": 1, "speaker_confidence": 0.32315361 }, { "word": "fintech", "start": 743.50995, "end": 743.82996, "confidence": 0.9832466, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "companies", "start": 743.82996, "end": 744.31, "confidence": 0.99750024, "punctuated_word": "companies", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "out", "start": 744.31, "end": 744.38995, "confidence": 0.9994824, "punctuated_word": "out", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "there", "start": 744.38995, "end": 744.88995, "confidence": 0.9679477, "punctuated_word": "there.", "speaker": 1, "speaker_confidence": 0.9309531 } ], "speaker": 1, "id": "62753349-fbef-4df6-a4c9-93a8ba7d25eb" }, { "start": 745.35, "end": 753.585, "confidence": 0.89506763, "channel": 0, "transcript": "And the business case is when you, the consumer, a small business wants to use a fintech platform but wanna connect your bank, and the average American", "words": [ { "word": "and", "start": 745.35, "end": 745.85, "confidence": 0.9968375, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "the", "start": 746.14996, "end": 746.55, "confidence": 0.9963097, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "business", "start": 746.55, "end": 747.02997, "confidence": 0.9964772, "punctuated_word": "business", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "case", "start": 747.02997, "end": 747.35, "confidence": 0.9984926, "punctuated_word": "case", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "is", "start": 747.35, "end": 747.67, "confidence": 0.99627906, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "when", "start": 747.67, "end": 747.99, "confidence": 0.9701826, "punctuated_word": "when", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "you", "start": 747.99, "end": 748.23, "confidence": 0.96978956, "punctuated_word": "you,", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "the", "start": 748.23, "end": 748.38995, "confidence": 0.9987112, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "consumer", "start": 748.38995, "end": 748.79, "confidence": 0.7293359, "punctuated_word": "consumer,", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "a", "start": 748.79, "end": 748.94995, "confidence": 0.64705116, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "small", "start": 748.94995, "end": 749.19, "confidence": 0.99965227, "punctuated_word": "small", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "business", "start": 749.19, "end": 749.50995, "confidence": 0.99724764, "punctuated_word": "business", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "wants", "start": 749.50995, "end": 749.75, "confidence": 0.56283915, "punctuated_word": "wants", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "to", "start": 749.75, "end": 749.82996, "confidence": 0.99595356, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "use", "start": 749.82996, "end": 750.06995, "confidence": 0.99697435, "punctuated_word": "use", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "a", "start": 750.06995, "end": 750.14996, "confidence": 0.9766368, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "fintech", "start": 750.14996, "end": 750.55, "confidence": 0.9986713, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "platform", "start": 750.55, "end": 751.05, "confidence": 0.9980269, "punctuated_word": "platform", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "but", "start": 751.35, "end": 751.50995, "confidence": 0.50016695, "punctuated_word": "but", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "wanna", "start": 751.50995, "end": 751.82996, "confidence": 0.96506053, "punctuated_word": "wanna", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "connect", "start": 751.82996, "end": 752.14996, "confidence": 0.99549747, "punctuated_word": "connect", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "your", "start": 752.14996, "end": 752.38995, "confidence": 0.94243526, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "bank", "start": 752.38995, "end": 752.88995, "confidence": 0.76344144, "punctuated_word": "bank,", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "and", "start": 753.02997, "end": 753.19, "confidence": 0.92319167, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "the", "start": 753.19, "end": 753.26996, "confidence": 0.8675779, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "average", "start": 753.26996, "end": 753.4275, "confidence": 0.595062, "punctuated_word": "average", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "american", "start": 753.4275, "end": 753.585, "confidence": 0.7889237, "punctuated_word": "American", "speaker": 1, "speaker_confidence": 0.9309531 } ], "speaker": 1, "id": "10a500ce-a203-43b8-b219-b5212e457d2f" }, { "start": 754.54504, "end": 760.965, "confidence": 0.791608, "channel": 0, "transcript": "average American has about 15 different bank or payment accounts at seven different Wow. I'm below average, I think, now. So that's good.", "words": [ { "word": "average", "start": 754.54504, "end": 754.625, "confidence": 0.5194478, "punctuated_word": "average", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "american", "start": 754.625, "end": 754.985, "confidence": 0.9254959, "punctuated_word": "American", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "has", "start": 754.985, "end": 755.34503, "confidence": 0.85028267, "punctuated_word": "has", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "about", "start": 755.34503, "end": 755.625, "confidence": 0.85205346, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "15", "start": 755.625, "end": 755.905, "confidence": 0.81206113, "punctuated_word": "15", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "different", "start": 755.905, "end": 756.18506, "confidence": 0.734018, "punctuated_word": "different", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "bank", "start": 756.18506, "end": 756.465, "confidence": 0.9606916, "punctuated_word": "bank", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "or", "start": 756.465, "end": 756.54504, "confidence": 0.59298253, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "payment", "start": 756.54504, "end": 756.705, "confidence": 0.7517664, "punctuated_word": "payment", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "accounts", "start": 756.705, "end": 757.18506, "confidence": 0.97775614, "punctuated_word": "accounts", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "at", "start": 757.18506, "end": 757.66504, "confidence": 0.61431235, "punctuated_word": "at", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "seven", "start": 757.66504, "end": 758.16504, "confidence": 0.5361245, "punctuated_word": "seven", "speaker": 1, "speaker_confidence": 0.9309531 }, { "word": "different", "start": 758.22504, "end": 758.265, "confidence": 0.6001919, "punctuated_word": "different", "speaker": 2, "speaker_confidence": 0.08002412 }, { "word": "wow", "start": 758.305, "end": 758.54504, "confidence": 0.8942063, "punctuated_word": "Wow.", "speaker": 2, "speaker_confidence": 0.08002412 }, { "word": "i'm", "start": 758.54504, "end": 758.625, "confidence": 0.8688631, "punctuated_word": "I'm", "speaker": 2, "speaker_confidence": 0.4415297 }, { "word": "below", "start": 758.625, "end": 759.125, "confidence": 0.8820667, "punctuated_word": "below", "speaker": 2, "speaker_confidence": 0.4415297 }, { "word": "average", "start": 759.185, "end": 759.42505, "confidence": 0.79134274, "punctuated_word": "average,", "speaker": 2, "speaker_confidence": 0.4415297 }, { "word": "i", "start": 759.42505, "end": 759.505, "confidence": 0.8239232, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.4415297 }, { "word": "think", "start": 759.505, "end": 759.745, "confidence": 0.68029505, "punctuated_word": "think,", "speaker": 2, "speaker_confidence": 0.4415297 }, { "word": "now", "start": 759.745, "end": 760.065, "confidence": 0.7667655, "punctuated_word": "now.", "speaker": 2, "speaker_confidence": 0.4415297 }, { "word": "so", "start": 760.065, "end": 760.22504, "confidence": 0.88818294, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.30140728 }, { "word": "that's", "start": 760.22504, "end": 760.465, "confidence": 0.94800305, "punctuated_word": "that's", "speaker": 2, "speaker_confidence": 0.30140728 }, { "word": "good", "start": 760.465, "end": 760.965, "confidence": 0.9361503, "punctuated_word": "good.", "speaker": 2, "speaker_confidence": 0.30140728 } ], "speaker": 1, "id": "8fa49e31-eb86-425e-a4d1-1df052b4116b" }, { "start": 761.66504, "end": 771.91, "confidence": 0.9538598, "channel": 0, "transcript": "The idea is that we can connect those two. So screenless data capture is one way of connecting those two. That's where we, get the user's credentials, so username and password,", "words": [ { "word": "the", "start": 761.66504, "end": 761.745, "confidence": 0.9248554, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.44147748 }, { "word": "idea", "start": 761.745, "end": 762.145, "confidence": 0.7073685, "punctuated_word": "idea", "speaker": 1, "speaker_confidence": 0.44147748 }, { "word": "is", "start": 762.145, "end": 762.385, "confidence": 0.8822452, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.44147748 }, { "word": "that", "start": 762.385, "end": 762.78503, "confidence": 0.90172327, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.44147748 }, { "word": "we", "start": 762.78503, "end": 762.945, "confidence": 0.96369296, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.44147748 }, { "word": "can", "start": 762.945, "end": 763.10504, "confidence": 0.947587, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "connect", "start": 763.10504, "end": 763.585, "confidence": 0.9843658, "punctuated_word": "connect", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "those", "start": 763.585, "end": 763.745, "confidence": 0.85557735, "punctuated_word": "those", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "two", "start": 763.745, "end": 764.245, "confidence": 0.97907877, "punctuated_word": "two.", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "so", "start": 764.305, "end": 764.805, "confidence": 0.9779961, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "screenless", "start": 764.86505, "end": 765.34503, "confidence": 0.84611845, "punctuated_word": "screenless", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "data", "start": 765.34503, "end": 765.66504, "confidence": 0.99760336, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "capture", "start": 765.66504, "end": 766.065, "confidence": 0.99452496, "punctuated_word": "capture", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "is", "start": 766.065, "end": 766.22504, "confidence": 0.99476445, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "one", "start": 766.22504, "end": 766.465, "confidence": 0.98957413, "punctuated_word": "one", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "way", "start": 766.465, "end": 766.705, "confidence": 0.99001175, "punctuated_word": "way", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "of", "start": 766.705, "end": 766.86505, "confidence": 0.9967355, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "connecting", "start": 766.86505, "end": 767.265, "confidence": 0.9991404, "punctuated_word": "connecting", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "those", "start": 767.265, "end": 767.505, "confidence": 0.9938133, "punctuated_word": "those", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "two", "start": 767.505, "end": 767.825, "confidence": 0.9941685, "punctuated_word": "two.", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "that's", "start": 767.825, "end": 768.065, "confidence": 0.9990039, "punctuated_word": "That's", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "where", "start": 768.065, "end": 768.465, "confidence": 0.99968326, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "we", "start": 768.465, "end": 768.625, "confidence": 0.96538574, "punctuated_word": "we,", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "get", "start": 769.17, "end": 769.41, "confidence": 0.999841, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "the", "start": 769.41, "end": 769.57, "confidence": 0.99968123, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "user's", "start": 769.57, "end": 769.97, "confidence": 0.8864825, "punctuated_word": "user's", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "credentials", "start": 769.97, "end": 770.47, "confidence": 0.8993737, "punctuated_word": "credentials,", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "so", "start": 770.61, "end": 770.85, "confidence": 0.99940133, "punctuated_word": "so", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "username", "start": 770.85, "end": 771.25, "confidence": 0.96254414, "punctuated_word": "username", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "and", "start": 771.25, "end": 771.41, "confidence": 0.9904991, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "password", "start": 771.41, "end": 771.91, "confidence": 0.94681114, "punctuated_word": "password,", "speaker": 1, "speaker_confidence": 0.98961526 } ], "speaker": 1, "id": "dde051e1-b608-4582-990c-1fad2d2e08f1" }, { "start": 772.52997, "end": 789.605, "confidence": 0.9917173, "channel": 0, "transcript": "and log in as them to capture the data and use it for the third party application. But only about 25% of our data comes from screenless data capture. The vast, vast, vast majority of our data comes from what we call direct feeds. So Yodlee's differentiator in the market is we've negotiated bilateral deals with", "words": [ { "word": "and", "start": 772.52997, "end": 772.93, "confidence": 0.99944824, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "log", "start": 772.93, "end": 773.17, "confidence": 0.89678955, "punctuated_word": "log", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "in", "start": 773.17, "end": 773.33, "confidence": 0.9955309, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "as", "start": 773.33, "end": 773.57, "confidence": 0.9898948, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "them", "start": 773.57, "end": 773.81, "confidence": 0.9984377, "punctuated_word": "them", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "to", "start": 773.81, "end": 774.05, "confidence": 0.99792457, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "capture", "start": 774.05, "end": 774.37, "confidence": 0.9999039, "punctuated_word": "capture", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "the", "start": 774.37, "end": 774.45, "confidence": 0.9985246, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "data", "start": 774.45, "end": 774.77, "confidence": 0.99993646, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "and", "start": 774.77, "end": 774.93, "confidence": 0.98863274, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "use", "start": 774.93, "end": 775.08997, "confidence": 0.99990547, "punctuated_word": "use", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "it", "start": 775.08997, "end": 775.25, "confidence": 0.9997663, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "for", "start": 775.25, "end": 775.41, "confidence": 0.9993388, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "the", "start": 775.41, "end": 775.57, "confidence": 0.99716586, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "third", "start": 775.57, "end": 775.73, "confidence": 0.9999299, "punctuated_word": "third", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "party", "start": 775.73, "end": 776.13, "confidence": 0.9997923, "punctuated_word": "party", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "application", "start": 776.13, "end": 776.63, "confidence": 0.98368037, "punctuated_word": "application.", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "but", "start": 776.93, "end": 777.17, "confidence": 0.9994911, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "only", "start": 777.17, "end": 777.49, "confidence": 0.9992785, "punctuated_word": "only", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "about", "start": 777.49, "end": 777.81, "confidence": 0.999811, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "25%", "start": 777.81, "end": 778.45, "confidence": 0.9993949, "punctuated_word": "25%", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "of", "start": 778.45, "end": 778.61, "confidence": 0.99993825, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "our", "start": 778.61, "end": 778.77, "confidence": 0.99966455, "punctuated_word": "our", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "data", "start": 778.77, "end": 779.08997, "confidence": 0.99992406, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "comes", "start": 779.08997, "end": 779.33, "confidence": 0.9996468, "punctuated_word": "comes", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "from", "start": 779.33, "end": 779.64996, "confidence": 0.9998915, "punctuated_word": "from", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "screenless", "start": 779.64996, "end": 780.05, "confidence": 0.85917014, "punctuated_word": "screenless", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "data", "start": 780.05, "end": 780.29, "confidence": 0.9988194, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "capture", "start": 780.29, "end": 780.79, "confidence": 0.99246466, "punctuated_word": "capture.", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "the", "start": 780.945, "end": 781.185, "confidence": 0.999828, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "vast", "start": 781.185, "end": 781.425, "confidence": 0.9777218, "punctuated_word": "vast,", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "vast", "start": 781.425, "end": 781.665, "confidence": 0.99921334, "punctuated_word": "vast,", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "vast", "start": 781.665, "end": 781.985, "confidence": 0.9998627, "punctuated_word": "vast", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "majority", "start": 781.985, "end": 782.305, "confidence": 0.99231005, "punctuated_word": "majority", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "of", "start": 782.305, "end": 782.465, "confidence": 0.9997956, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "our", "start": 782.465, "end": 782.545, "confidence": 0.9994579, "punctuated_word": "our", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "data", "start": 782.545, "end": 782.78503, "confidence": 0.9999424, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "comes", "start": 782.78503, "end": 782.945, "confidence": 0.9995634, "punctuated_word": "comes", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "from", "start": 782.945, "end": 783.105, "confidence": 0.99978524, "punctuated_word": "from", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "what", "start": 783.105, "end": 783.185, "confidence": 0.9592291, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "we", "start": 783.185, "end": 783.34503, "confidence": 0.99995124, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "call", "start": 783.34503, "end": 783.505, "confidence": 0.9986902, "punctuated_word": "call", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "direct", "start": 783.505, "end": 783.745, "confidence": 0.99695563, "punctuated_word": "direct", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "feeds", "start": 783.745, "end": 784.245, "confidence": 0.98467857, "punctuated_word": "feeds.", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "so", "start": 784.465, "end": 784.705, "confidence": 0.99913836, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "yodlee's", "start": 784.705, "end": 785.205, "confidence": 0.9899629, "punctuated_word": "Yodlee's", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "differentiator", "start": 785.425, "end": 785.925, "confidence": 0.9997075, "punctuated_word": "differentiator", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "in", "start": 786.065, "end": 786.145, "confidence": 0.99840087, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.98961526 }, { "word": "the", "start": 786.145, "end": 786.22504, "confidence": 0.9998574, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "market", "start": 786.22504, "end": 786.72504, "confidence": 0.9999764, "punctuated_word": "market", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "is", "start": 786.78503, "end": 787.105, "confidence": 0.999456, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "we've", "start": 787.105, "end": 787.34503, "confidence": 0.9513347, "punctuated_word": "we've", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "negotiated", "start": 787.34503, "end": 787.84503, "confidence": 0.999793, "punctuated_word": "negotiated", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "bilateral", "start": 788.065, "end": 788.565, "confidence": 0.9998337, "punctuated_word": "bilateral", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "deals", "start": 788.625, "end": 789.105, "confidence": 0.99994683, "punctuated_word": "deals", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "with", "start": 789.105, "end": 789.605, "confidence": 0.99967134, "punctuated_word": "with", "speaker": 1, "speaker_confidence": 0.84799933 } ], "speaker": 1, "id": "a5cae4b1-fcc6-44fe-92ba-06b9f10637f6" }, { "start": 790.22504, "end": 794.885, "confidence": 0.9799711, "channel": 0, "transcript": "hundreds, maybe thousands of different data sources so that we have direct connections to those banks", "words": [ { "word": "hundreds", "start": 790.22504, "end": 790.625, "confidence": 0.98082125, "punctuated_word": "hundreds,", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "maybe", "start": 790.625, "end": 790.865, "confidence": 0.99926454, "punctuated_word": "maybe", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "thousands", "start": 790.865, "end": 791.185, "confidence": 0.9916722, "punctuated_word": "thousands", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "of", "start": 791.185, "end": 791.265, "confidence": 0.8555703, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "different", "start": 791.265, "end": 791.505, "confidence": 0.9897968, "punctuated_word": "different", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "data", "start": 791.505, "end": 791.745, "confidence": 0.9996551, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "sources", "start": 791.745, "end": 792.245, "confidence": 0.9999075, "punctuated_word": "sources", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "so", "start": 792.465, "end": 792.625, "confidence": 0.88578904, "punctuated_word": "so", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "that", "start": 792.625, "end": 792.78503, "confidence": 0.9996654, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "we", "start": 792.78503, "end": 792.945, "confidence": 0.99908483, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "have", "start": 792.945, "end": 793.105, "confidence": 0.99973077, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "direct", "start": 793.105, "end": 793.505, "confidence": 0.99976355, "punctuated_word": "direct", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "connections", "start": 793.505, "end": 793.985, "confidence": 0.9975473, "punctuated_word": "connections", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "to", "start": 793.985, "end": 794.145, "confidence": 0.9930878, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "those", "start": 794.145, "end": 794.385, "confidence": 0.9996275, "punctuated_word": "those", "speaker": 1, "speaker_confidence": 0.84799933 }, { "word": "banks", "start": 794.385, "end": 794.885, "confidence": 0.9885544, "punctuated_word": "banks", "speaker": 1, "speaker_confidence": 0.84799933 } ], "speaker": 1, "id": "07315766-f40c-455f-9c4f-d8ecd813b9e1" }, { "start": 795.35004, "end": 798.97003, "confidence": 0.9913108, "channel": 0, "transcript": "where we don't need the username and password to access the data. We have prenegotiated", "words": [ { "word": "where", "start": 795.35004, "end": 795.43, "confidence": 0.9996362, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "we", "start": 795.43, "end": 795.59, "confidence": 0.9998584, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "don't", "start": 795.59, "end": 795.75, "confidence": 0.99997777, "punctuated_word": "don't", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "need", "start": 795.75, "end": 796.07, "confidence": 0.999858, "punctuated_word": "need", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "the", "start": 796.07, "end": 796.23004, "confidence": 0.9906685, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "username", "start": 796.23004, "end": 796.63, "confidence": 0.9929904, "punctuated_word": "username", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "and", "start": 796.63, "end": 796.79004, "confidence": 0.9730708, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "password", "start": 796.79004, "end": 797.19, "confidence": 0.9996505, "punctuated_word": "password", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "to", "start": 797.19, "end": 797.43, "confidence": 0.99889827, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "access", "start": 797.43, "end": 797.75, "confidence": 0.99990714, "punctuated_word": "access", "speaker": 1, "speaker_confidence": 0.657024 }, { "word": "the", "start": 797.75, "end": 797.83, "confidence": 0.99969125, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "data", "start": 797.83, "end": 798.15, "confidence": 0.9972185, "punctuated_word": "data.", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "we", "start": 798.15, "end": 798.31, "confidence": 0.9997731, "punctuated_word": "We", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "have", "start": 798.31, "end": 798.47003, "confidence": 0.99991953, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "prenegotiated", "start": 798.47003, "end": 798.97003, "confidence": 0.9185432, "punctuated_word": "prenegotiated", "speaker": 1, "speaker_confidence": 0.7013471 } ], "speaker": 1, "id": "c23af3bd-9e47-4aca-adeb-99721e42ea09" }, { "start": 799.35004, "end": 811.32495, "confidence": 0.96784455, "channel": 0, "transcript": "contractual agreements to get that data instead. And are those, stronger when it turn comes to privacy and security if it you have those agreements? Privacy and security is always of paramount importance, right, for all the players in this ecosystem.", "words": [ { "word": "contractual", "start": 799.35004, "end": 799.85004, "confidence": 0.98403716, "punctuated_word": "contractual", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "agreements", "start": 799.91003, "end": 800.31, "confidence": 0.99870896, "punctuated_word": "agreements", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "to", "start": 800.31, "end": 800.39, "confidence": 0.99991274, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "get", "start": 800.39, "end": 800.55005, "confidence": 0.99996126, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "that", "start": 800.55005, "end": 800.63, "confidence": 0.9995677, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "data", "start": 800.63, "end": 800.95, "confidence": 0.9996038, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "instead", "start": 800.95, "end": 801.45, "confidence": 0.9996402, "punctuated_word": "instead.", "speaker": 1, "speaker_confidence": 0.7013471 }, { "word": "and", "start": 801.75, "end": 801.99, "confidence": 0.91152906, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 0.5750702 }, { "word": "are", "start": 801.99, "end": 802.23004, "confidence": 0.9988702, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.5750702 }, { "word": "those", "start": 802.23004, "end": 802.71, "confidence": 0.9943116, "punctuated_word": "those,", "speaker": 2, "speaker_confidence": 0.5750702 }, { "word": "stronger", "start": 803.03, "end": 803.35004, "confidence": 0.9999651, "punctuated_word": "stronger", "speaker": 2, "speaker_confidence": 0.5750702 }, { "word": "when", "start": 803.35004, "end": 803.59, "confidence": 0.99975246, "punctuated_word": "when", "speaker": 2, "speaker_confidence": 0.5750702 }, { "word": "it", "start": 803.59, "end": 803.67004, "confidence": 0.9965634, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.7121365 }, { "word": "turn", "start": 803.67004, "end": 803.91003, "confidence": 0.6820631, "punctuated_word": "turn", "speaker": 2, "speaker_confidence": 0.7121365 }, { "word": "comes", "start": 803.99, "end": 804.39, "confidence": 0.9955468, "punctuated_word": "comes", "speaker": 2, "speaker_confidence": 0.7121365 }, { "word": "to", "start": 804.39, "end": 804.71, "confidence": 0.99920684, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.7121365 }, { "word": "privacy", "start": 804.71, "end": 805.11005, "confidence": 0.9998103, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 0.7121365 }, { "word": "and", "start": 805.11005, "end": 805.35004, "confidence": 0.9993643, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.7121365 }, { "word": "security", "start": 805.35004, "end": 805.75, "confidence": 0.9999831, "punctuated_word": "security", "speaker": 2, "speaker_confidence": 0.7121365 }, { "word": "if", "start": 805.75, "end": 805.91003, "confidence": 0.89131534, "punctuated_word": "if", "speaker": 2, "speaker_confidence": 0.7121365 }, { "word": "it", "start": 805.91003, "end": 805.99, "confidence": 0.7667753, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.5667492 }, { "word": "you", "start": 806.07, "end": 806.23004, "confidence": 0.99484503, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.5667492 }, { "word": "have", "start": 806.23004, "end": 806.39, "confidence": 0.99979407, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 0.5667492 }, { "word": "those", "start": 806.39, "end": 806.55005, "confidence": 0.9998661, "punctuated_word": "those", "speaker": 2, "speaker_confidence": 0.5667492 }, { "word": "agreements", "start": 806.55005, "end": 807.05005, "confidence": 0.8671502, "punctuated_word": "agreements?", "speaker": 2, "speaker_confidence": 0.5667492 }, { "word": "privacy", "start": 807.11005, "end": 807.51, "confidence": 0.9990207, "punctuated_word": "Privacy", "speaker": 1, "speaker_confidence": 0.57609 }, { "word": "and", "start": 807.51, "end": 807.67004, "confidence": 0.99828833, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.57609 }, { "word": "security", "start": 807.67004, "end": 808.07, "confidence": 0.99991226, "punctuated_word": "security", "speaker": 1, "speaker_confidence": 0.57609 }, { "word": "is", "start": 808.07, "end": 808.23004, "confidence": 0.9994382, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.57609 }, { "word": "always", "start": 808.23004, "end": 808.63, "confidence": 0.9997875, "punctuated_word": "always", "speaker": 1, "speaker_confidence": 0.57609 }, { "word": "of", "start": 808.63, "end": 808.71, "confidence": 0.9749297, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.57609 }, { "word": "paramount", "start": 808.71, "end": 809.19, "confidence": 0.9990951, "punctuated_word": "paramount", "speaker": 1, "speaker_confidence": 0.57609 }, { "word": "importance", "start": 809.19, "end": 809.67004, "confidence": 0.8794527, "punctuated_word": "importance,", "speaker": 1, "speaker_confidence": 0.57609 }, { "word": "right", "start": 809.67004, "end": 809.91003, "confidence": 0.99962485, "punctuated_word": "right,", "speaker": 1, "speaker_confidence": 0.57609 }, { "word": "for", "start": 809.91003, "end": 810.07, "confidence": 0.9977901, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.36852574 }, { "word": "all", "start": 810.07, "end": 810.23004, "confidence": 0.99678373, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.36852574 }, { "word": "the", "start": 810.23004, "end": 810.345, "confidence": 0.8047921, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.36852574 }, { "word": "players", "start": 810.425, "end": 810.50494, "confidence": 0.99695134, "punctuated_word": "players", "speaker": 1, "speaker_confidence": 0.36852574 }, { "word": "in", "start": 810.50494, "end": 810.745, "confidence": 0.9944576, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.36852574 }, { "word": "this", "start": 810.745, "end": 810.82495, "confidence": 0.9829798, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "ecosystem", "start": 810.82495, "end": 811.32495, "confidence": 0.9801762, "punctuated_word": "ecosystem.", "speaker": 1, "speaker_confidence": 0.84732723 } ], "speaker": 1, "id": "c889b021-adb5-4429-aa15-d2b63a656321" }, { "start": 811.625, "end": 813.88495, "confidence": 0.9294262, "channel": 0, "transcript": "So it's regardless of how we get the data,", "words": [ { "word": "so", "start": 811.625, "end": 811.865, "confidence": 0.99920624, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "it's", "start": 811.865, "end": 812.26495, "confidence": 0.9974078, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "regardless", "start": 812.26495, "end": 812.665, "confidence": 0.52356654, "punctuated_word": "regardless", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "of", "start": 812.665, "end": 812.82495, "confidence": 0.9996753, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "how", "start": 812.82495, "end": 812.985, "confidence": 0.9998417, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "we", "start": 812.985, "end": 813.14496, "confidence": 0.9998142, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "get", "start": 813.14496, "end": 813.305, "confidence": 0.9336423, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "the", "start": 813.305, "end": 813.38495, "confidence": 0.9989661, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "data", "start": 813.38495, "end": 813.88495, "confidence": 0.91271585, "punctuated_word": "data,", "speaker": 1, "speaker_confidence": 0.84732723 } ], "speaker": 1, "id": "f8abf3e6-461e-4e2c-80e2-11cac73a99c0" }, { "start": 814.185, "end": 818.925, "confidence": 0.99645996, "channel": 0, "transcript": "those are absolutely fundamental. We are regulated and supervised by the OCC. We're examined,", "words": [ { "word": "those", "start": 814.185, "end": 814.425, "confidence": 0.99926776, "punctuated_word": "those", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "are", "start": 814.425, "end": 814.665, "confidence": 0.9998598, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "absolutely", "start": 814.665, "end": 815.14496, "confidence": 0.9982963, "punctuated_word": "absolutely", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "fundamental", "start": 815.14496, "end": 815.64496, "confidence": 0.99944246, "punctuated_word": "fundamental.", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "we", "start": 815.70496, "end": 815.865, "confidence": 0.99955994, "punctuated_word": "We", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "are", "start": 815.865, "end": 816.185, "confidence": 0.9996332, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "regulated", "start": 816.185, "end": 816.665, "confidence": 0.9998356, "punctuated_word": "regulated", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "and", "start": 816.665, "end": 816.82495, "confidence": 0.9994506, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "supervised", "start": 816.82495, "end": 817.305, "confidence": 0.99352974, "punctuated_word": "supervised", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "by", "start": 817.305, "end": 817.46497, "confidence": 0.9997638, "punctuated_word": "by", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "the", "start": 817.46497, "end": 817.625, "confidence": 0.99872893, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "occ", "start": 817.625, "end": 818.125, "confidence": 0.97539634, "punctuated_word": "OCC.", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "we're", "start": 818.185, "end": 818.425, "confidence": 0.99525225, "punctuated_word": "We're", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "examined", "start": 818.425, "end": 818.925, "confidence": 0.992423, "punctuated_word": "examined,", "speaker": 1, "speaker_confidence": 0.84732723 } ], "speaker": 1, "id": "8e99137b-1070-4c16-bd3e-1e54249c5feb" }, { "start": 819.545, "end": 825.32, "confidence": 0.9812193, "channel": 0, "transcript": "because we're a third party vendor to so many large financial institutions, and we have a really, really, really strong,", "words": [ { "word": "because", "start": 819.545, "end": 819.865, "confidence": 0.99983406, "punctuated_word": "because", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "we're", "start": 819.865, "end": 820.02496, "confidence": 0.99929374, "punctuated_word": "we're", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "a", "start": 820.02496, "end": 820.185, "confidence": 0.9979328, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "third", "start": 820.185, "end": 820.345, "confidence": 0.99953854, "punctuated_word": "third", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "party", "start": 820.345, "end": 820.665, "confidence": 0.99980885, "punctuated_word": "party", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "vendor", "start": 820.665, "end": 821.165, "confidence": 0.9998473, "punctuated_word": "vendor", "speaker": 1, "speaker_confidence": 0.84732723 }, { "word": "to", "start": 821.38495, "end": 821.545, "confidence": 0.9961463, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.6330261 }, { "word": "so", "start": 821.545, "end": 821.70496, "confidence": 0.9988876, "punctuated_word": "so", "speaker": 1, "speaker_confidence": 0.6330261 }, { "word": "many", "start": 821.70496, "end": 821.94495, "confidence": 0.99948287, "punctuated_word": "many", "speaker": 1, "speaker_confidence": 0.6330261 }, { "word": "large", "start": 821.94495, "end": 822.185, "confidence": 0.999268, "punctuated_word": "large", "speaker": 1, "speaker_confidence": 0.6330261 }, { "word": "financial", "start": 822.185, "end": 822.665, "confidence": 0.9995654, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.6330261 }, { "word": "institutions", "start": 822.665, "end": 823.165, "confidence": 0.79447645, "punctuated_word": "institutions,", "speaker": 1, "speaker_confidence": 0.6330261 }, { "word": "and", "start": 823.38495, "end": 823.545, "confidence": 0.99369615, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.6330261 }, { "word": "we", "start": 823.545, "end": 823.70496, "confidence": 0.9945945, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.6330261 }, { "word": "have", "start": 823.70496, "end": 823.785, "confidence": 0.98216206, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.6330261 }, { "word": "a", "start": 823.785, "end": 823.865, "confidence": 0.9707699, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.72679234 }, { "word": "really", "start": 823.865, "end": 824.34, "confidence": 0.9506153, "punctuated_word": "really,", "speaker": 1, "speaker_confidence": 0.72679234 }, { "word": "really", "start": 824.42004, "end": 824.5, "confidence": 0.98159814, "punctuated_word": "really,", "speaker": 1, "speaker_confidence": 0.72679234 }, { "word": "really", "start": 824.5, "end": 824.82, "confidence": 0.99798477, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.72679234 }, { "word": "strong", "start": 824.82, "end": 825.32, "confidence": 0.9688834, "punctuated_word": "strong,", "speaker": 1, "speaker_confidence": 0.72679234 } ], "speaker": 1, "id": "12c68d5b-26c5-48d0-bc9f-c54c4b8152c8" }, { "start": 826.02, "end": 826.98004, "confidence": 0.9669551, "channel": 0, "transcript": "risk and,", "words": [ { "word": "risk", "start": 826.02, "end": 826.5, "confidence": 0.999526, "punctuated_word": "risk", "speaker": 1, "speaker_confidence": 0.72679234 }, { "word": "and", "start": 826.5, "end": 826.98004, "confidence": 0.9343842, "punctuated_word": "and,", "speaker": 1, "speaker_confidence": 0.72679234 } ], "speaker": 1, "id": "cc19b644-a216-483b-931c-203f2bba68be" }, { "start": 827.54004, "end": 854.64, "confidence": 0.9592381, "channel": 0, "transcript": "security governance program. Sure. That makes sense. So Yodlee has been in the market for twenty years, and that surprised me. That's, when you think about data and all that sort of stuff, I I guess, you know, maybe it dates me. But I because I didn't even realize that was possible for twenty years. But in fact, it has been. What have you seen change over, like, the course of the time that you've all been in business? Not that you've been with them the entire twenty years. Or you look far too young, but, Thank you so much. Well, so quite a bit. Right? As you can imagine, over twenty years, there's been this explosion within the financial technology sector.", "words": [ { "word": "security", "start": 827.54004, "end": 828.02, "confidence": 0.9987853, "punctuated_word": "security", "speaker": 1, "speaker_confidence": 0.72679234 }, { "word": "governance", "start": 828.02, "end": 828.42004, "confidence": 0.998226, "punctuated_word": "governance", "speaker": 1, "speaker_confidence": 0.72679234 }, { "word": "program", "start": 828.42004, "end": 828.9, "confidence": 0.9991075, "punctuated_word": "program.", "speaker": 1, "speaker_confidence": 0.72679234 }, { "word": "sure", "start": 828.9, "end": 829.14, "confidence": 0.7330163, "punctuated_word": "Sure.", "speaker": 2, "speaker_confidence": 0.6788482 }, { "word": "that", "start": 829.14, "end": 829.30005, "confidence": 0.9957217, "punctuated_word": "That", "speaker": 2, "speaker_confidence": 0.6788482 }, { "word": "makes", "start": 829.30005, "end": 829.54004, "confidence": 0.9400977, "punctuated_word": "makes", "speaker": 2, "speaker_confidence": 0.6788482 }, { "word": "sense", "start": 829.54004, "end": 829.78, "confidence": 0.9990362, "punctuated_word": "sense.", "speaker": 2, "speaker_confidence": 0.6788482 }, { "word": "so", "start": 829.78, "end": 830.10004, "confidence": 0.9988839, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.6788482 }, { "word": "yodlee", "start": 830.10004, "end": 830.42004, "confidence": 0.9918818, "punctuated_word": "Yodlee", "speaker": 2, "speaker_confidence": 0.6788482 }, { "word": "has", "start": 830.42004, "end": 830.58, "confidence": 0.9952018, "punctuated_word": "has", "speaker": 2, "speaker_confidence": 0.6788482 }, { "word": "been", "start": 830.58, "end": 830.74005, "confidence": 0.99984396, "punctuated_word": "been", "speaker": 2, "speaker_confidence": 0.6788482 }, { "word": "in", "start": 830.74005, "end": 830.9, "confidence": 0.99895334, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.6788482 }, { "word": "the", "start": 830.9, "end": 830.98004, "confidence": 0.9992884, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.57982415 }, { "word": "market", "start": 830.98004, "end": 831.30005, "confidence": 0.999335, "punctuated_word": "market", "speaker": 2, "speaker_confidence": 0.57982415 }, { "word": "for", "start": 831.30005, "end": 831.46, "confidence": 0.9972402, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.57982415 }, { "word": "twenty", "start": 831.46, "end": 831.7, "confidence": 0.9971529, "punctuated_word": "twenty", "speaker": 2, "speaker_confidence": 0.57982415 }, { "word": "years", "start": 831.7, "end": 831.86005, "confidence": 0.78000647, "punctuated_word": "years,", "speaker": 2, "speaker_confidence": 0.57982415 }, { "word": "and", "start": 831.86005, "end": 832.18005, "confidence": 0.9857076, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.57982415 }, { "word": "that", "start": 832.18005, "end": 832.34, "confidence": 0.98162365, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.34709513 }, { "word": "surprised", "start": 832.34, "end": 832.74005, "confidence": 0.92632043, "punctuated_word": "surprised", "speaker": 2, "speaker_confidence": 0.34709513 }, { "word": "me", "start": 832.74005, "end": 832.9, "confidence": 0.931314, "punctuated_word": "me.", "speaker": 2, "speaker_confidence": 0.34709513 }, { "word": "that's", "start": 832.9, "end": 833.14, "confidence": 0.972974, "punctuated_word": "That's,", "speaker": 2, "speaker_confidence": 0.526803 }, { "word": "when", "start": 833.30005, "end": 833.54004, "confidence": 0.9277922, "punctuated_word": "when", "speaker": 2, "speaker_confidence": 0.526803 }, { "word": "you", "start": 833.54004, "end": 833.7, "confidence": 0.9976907, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.526803 }, { "word": "think", "start": 833.7, "end": 833.86005, "confidence": 0.9989411, "punctuated_word": "think", "speaker": 2, "speaker_confidence": 0.526803 }, { "word": "about", "start": 833.86005, "end": 834.34, "confidence": 0.9967244, "punctuated_word": "about", "speaker": 2, "speaker_confidence": 0.526803 }, { "word": "data", "start": 834.34, "end": 834.66003, "confidence": 0.99933296, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 0.526803 }, { "word": "and", "start": 834.66003, "end": 834.82, "confidence": 0.99701166, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.526803 }, { "word": "all", "start": 834.82, "end": 834.98004, "confidence": 0.9988513, "punctuated_word": "all", "speaker": 2, "speaker_confidence": 0.526803 }, { "word": "that", "start": 834.98004, "end": 835.14, "confidence": 0.9806754, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.5643119 }, { "word": "sort", "start": 835.14, "end": 835.30005, "confidence": 0.97773266, "punctuated_word": "sort", "speaker": 2, "speaker_confidence": 0.5643119 }, { "word": "of", "start": 835.30005, "end": 835.38, "confidence": 0.9808878, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.5643119 }, { "word": "stuff", "start": 835.38, "end": 835.62006, "confidence": 0.96860796, "punctuated_word": "stuff,", "speaker": 2, "speaker_confidence": 0.5643119 }, { "word": "i", "start": 835.62006, "end": 835.86005, "confidence": 0.8242428, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.5643119 }, { "word": "i", "start": 835.86005, "end": 835.94, "confidence": 0.89347816, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.5643119 }, { "word": "guess", "start": 835.94, "end": 836.26, "confidence": 0.9852363, "punctuated_word": "guess,", "speaker": 2, "speaker_confidence": 0.5643119 }, { "word": "you", "start": 836.26, "end": 836.34, "confidence": 0.99927443, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.411752 }, { "word": "know", "start": 836.34, "end": 836.58, "confidence": 0.99520016, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.411752 }, { "word": "maybe", "start": 836.58, "end": 836.74005, "confidence": 0.99945587, "punctuated_word": "maybe", "speaker": 2, "speaker_confidence": 0.411752 }, { "word": "it", "start": 836.74005, "end": 836.9, "confidence": 0.9905428, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.411752 }, { "word": "dates", "start": 836.9, "end": 837.14, "confidence": 0.99838364, "punctuated_word": "dates", "speaker": 2, "speaker_confidence": 0.411752 }, { "word": "me", "start": 837.14, "end": 837.22003, "confidence": 0.7739705, "punctuated_word": "me.", "speaker": 2, "speaker_confidence": 0.411752 }, { "word": "but", "start": 837.22003, "end": 837.38, "confidence": 0.9983798, "punctuated_word": "But", "speaker": 2, "speaker_confidence": 0.411752 }, { "word": "i", "start": 837.38, "end": 837.46, "confidence": 0.9967753, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.411752 }, { "word": "because", "start": 837.62006, "end": 837.78, "confidence": 0.98855, "punctuated_word": "because", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "i", "start": 837.78, "end": 837.86005, "confidence": 0.9808389, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "didn't", "start": 837.86005, "end": 838.18005, "confidence": 0.99941015, "punctuated_word": "didn't", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "even", "start": 838.18005, "end": 838.34, "confidence": 0.9935266, "punctuated_word": "even", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "realize", "start": 838.34, "end": 838.74005, "confidence": 0.991488, "punctuated_word": "realize", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "that", "start": 838.74005, "end": 838.9, "confidence": 0.9975273, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "was", "start": 838.9, "end": 839.06, "confidence": 0.9917882, "punctuated_word": "was", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "possible", "start": 839.06, "end": 839.505, "confidence": 0.9937848, "punctuated_word": "possible", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "for", "start": 839.505, "end": 839.665, "confidence": 0.98199445, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "twenty", "start": 839.665, "end": 839.825, "confidence": 0.9991048, "punctuated_word": "twenty", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "years", "start": 839.825, "end": 839.985, "confidence": 0.8717015, "punctuated_word": "years.", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "but", "start": 839.985, "end": 840.225, "confidence": 0.99875116, "punctuated_word": "But", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "in", "start": 840.225, "end": 840.385, "confidence": 0.6447455, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "fact", "start": 840.385, "end": 840.545, "confidence": 0.98625094, "punctuated_word": "fact,", "speaker": 2, "speaker_confidence": 0.6786599 }, { "word": "it", "start": 840.545, "end": 840.705, "confidence": 0.9991732, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.35050964 }, { "word": "has", "start": 840.705, "end": 841.025, "confidence": 0.9993179, "punctuated_word": "has", "speaker": 2, "speaker_confidence": 0.35050964 }, { "word": "been", "start": 841.025, "end": 841.505, "confidence": 0.99236137, "punctuated_word": "been.", "speaker": 2, "speaker_confidence": 0.35050964 }, { "word": "what", "start": 841.505, "end": 841.665, "confidence": 0.9971987, "punctuated_word": "What", "speaker": 2, "speaker_confidence": 0.35050964 }, { "word": "have", "start": 841.665, "end": 841.905, "confidence": 0.9614424, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 0.35050964 }, { "word": "you", "start": 841.905, "end": 841.985, "confidence": 0.99951935, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.35050964 }, { "word": "seen", "start": 841.985, "end": 842.225, "confidence": 0.9985103, "punctuated_word": "seen", "speaker": 2, "speaker_confidence": 0.35050964 }, { "word": "change", "start": 842.225, "end": 842.465, "confidence": 0.9670067, "punctuated_word": "change", "speaker": 2, "speaker_confidence": 0.35050964 }, { "word": "over", "start": 842.465, "end": 842.705, "confidence": 0.7770318, "punctuated_word": "over,", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "like", "start": 842.705, "end": 843.025, "confidence": 0.9935607, "punctuated_word": "like,", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "the", "start": 843.025, "end": 843.185, "confidence": 0.86466134, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "course", "start": 843.185, "end": 843.425, "confidence": 0.9823844, "punctuated_word": "course", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "of", "start": 843.425, "end": 843.505, "confidence": 0.99850637, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "the", "start": 843.505, "end": 843.665, "confidence": 0.9971163, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "time", "start": 843.665, "end": 843.825, "confidence": 0.99972075, "punctuated_word": "time", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "that", "start": 843.825, "end": 843.985, "confidence": 0.9990808, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "you've", "start": 843.985, "end": 844.305, "confidence": 0.99877304, "punctuated_word": "you've", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "all", "start": 844.305, "end": 844.465, "confidence": 0.99930036, "punctuated_word": "all", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "been", "start": 844.465, "end": 844.625, "confidence": 0.9996879, "punctuated_word": "been", "speaker": 2, "speaker_confidence": 0.56245035 }, { "word": "in", "start": 844.625, "end": 844.78503, "confidence": 0.9990502, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.34961402 }, { "word": "business", "start": 844.78503, "end": 845.025, "confidence": 0.9192866, "punctuated_word": "business?", "speaker": 2, "speaker_confidence": 0.34961402 }, { "word": "not", "start": 845.025, "end": 845.185, "confidence": 0.991265, "punctuated_word": "Not", "speaker": 2, "speaker_confidence": 0.34961402 }, { "word": "that", "start": 845.185, "end": 845.34503, "confidence": 0.99822456, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.34961402 }, { "word": "you've", "start": 845.34503, "end": 845.505, "confidence": 0.99845123, "punctuated_word": "you've", "speaker": 2, "speaker_confidence": 0.34961402 }, { "word": "been", "start": 845.505, "end": 845.585, "confidence": 0.9994892, "punctuated_word": "been", "speaker": 2, "speaker_confidence": 0.54242647 }, { "word": "with", "start": 845.585, "end": 845.745, "confidence": 0.9978671, "punctuated_word": "with", "speaker": 2, "speaker_confidence": 0.54242647 }, { "word": "them", "start": 845.745, "end": 845.985, "confidence": 0.9970751, "punctuated_word": "them", "speaker": 2, "speaker_confidence": 0.54242647 }, { "word": "the", "start": 845.985, "end": 846.145, "confidence": 0.9884524, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.54242647 }, { "word": "entire", "start": 846.145, "end": 846.385, "confidence": 0.99987566, "punctuated_word": "entire", "speaker": 2, "speaker_confidence": 0.54242647 }, { "word": "twenty", "start": 846.385, "end": 846.705, "confidence": 0.9982115, "punctuated_word": "twenty", "speaker": 2, "speaker_confidence": 0.54242647 }, { "word": "years", "start": 846.705, "end": 846.865, "confidence": 0.92292637, "punctuated_word": "years.", "speaker": 2, "speaker_confidence": 0.54242647 }, { "word": "or", "start": 846.865, "end": 846.945, "confidence": 0.28002352, "punctuated_word": "Or", "speaker": 2, "speaker_confidence": 0.46790987 }, { "word": "you", "start": 846.945, "end": 847.105, "confidence": 0.5528508, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.46790987 }, { "word": "look", "start": 847.105, "end": 847.34503, "confidence": 0.9720988, "punctuated_word": "look", "speaker": 2, "speaker_confidence": 0.46790987 }, { "word": "far", "start": 847.34503, "end": 847.585, "confidence": 0.99828726, "punctuated_word": "far", "speaker": 2, "speaker_confidence": 0.46790987 }, { "word": "too", "start": 847.585, "end": 847.745, "confidence": 0.9984963, "punctuated_word": "too", "speaker": 2, "speaker_confidence": 0.46790987 }, { "word": "young", "start": 847.745, "end": 847.985, "confidence": 0.7913069, "punctuated_word": "young,", "speaker": 2, "speaker_confidence": 0.46790987 }, { "word": "but", "start": 847.985, "end": 848.225, "confidence": 0.97365546, "punctuated_word": "but,", "speaker": 2, "speaker_confidence": 0.46790987 }, { "word": "thank", "start": 848.545, "end": 848.705, "confidence": 0.96202654, "punctuated_word": "Thank", "speaker": 2, "speaker_confidence": 0.46790987 }, { "word": "you", "start": 848.705, "end": 848.865, "confidence": 0.9986355, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.29530478 }, { "word": "so", "start": 848.865, "end": 849.025, "confidence": 0.9893907, "punctuated_word": "so", "speaker": 1, "speaker_confidence": 0.29530478 }, { "word": "much", "start": 849.025, "end": 849.265, "confidence": 0.9964541, "punctuated_word": "much.", "speaker": 1, "speaker_confidence": 0.29530478 }, { "word": "well", "start": 849.265, "end": 849.425, "confidence": 0.733837, "punctuated_word": "Well,", "speaker": 1, "speaker_confidence": 0.29530478 }, { "word": "so", "start": 849.425, "end": 849.585, "confidence": 0.90511924, "punctuated_word": "so", "speaker": 1, "speaker_confidence": 0.29530478 }, { "word": "quite", "start": 849.585, "end": 849.745, "confidence": 0.9825728, "punctuated_word": "quite", "speaker": 1, "speaker_confidence": 0.29530478 }, { "word": "a", "start": 849.745, "end": 849.825, "confidence": 0.9984289, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.29530478 }, { "word": "bit", "start": 849.825, "end": 849.985, "confidence": 0.95486945, "punctuated_word": "bit.", "speaker": 1, "speaker_confidence": 0.29530478 }, { "word": "right", "start": 849.985, "end": 850.145, "confidence": 0.99450606, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.29530478 }, { "word": "as", "start": 850.145, "end": 850.305, "confidence": 0.998161, "punctuated_word": "As", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "you", "start": 850.305, "end": 850.385, "confidence": 0.99924845, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "can", "start": 850.385, "end": 850.545, "confidence": 0.9966354, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "imagine", "start": 850.545, "end": 850.865, "confidence": 0.81181496, "punctuated_word": "imagine,", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "over", "start": 850.865, "end": 851.105, "confidence": 0.9790262, "punctuated_word": "over", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "twenty", "start": 851.105, "end": 851.34503, "confidence": 0.9886092, "punctuated_word": "twenty", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "years", "start": 851.34503, "end": 851.58, "confidence": 0.93970764, "punctuated_word": "years,", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "there's", "start": 851.58, "end": 851.82, "confidence": 0.9844873, "punctuated_word": "there's", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "been", "start": 851.82, "end": 851.98004, "confidence": 0.99973613, "punctuated_word": "been", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "this", "start": 851.98004, "end": 852.22003, "confidence": 0.99904174, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "explosion", "start": 852.22003, "end": 852.72003, "confidence": 0.9999074, "punctuated_word": "explosion", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "within", "start": 852.78, "end": 853.10004, "confidence": 0.99989927, "punctuated_word": "within", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "the", "start": 853.10004, "end": 853.26, "confidence": 0.99969923, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "financial", "start": 853.26, "end": 853.66003, "confidence": 0.99969983, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "technology", "start": 853.66003, "end": 854.14, "confidence": 0.9988016, "punctuated_word": "technology", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "sector", "start": 854.14, "end": 854.64, "confidence": 0.9971169, "punctuated_word": "sector.", "speaker": 1, "speaker_confidence": 0.9166839 } ], "speaker": 2, "id": "6191bdee-68d7-4281-8323-02fc3489eb5c" }, { "start": 855.66003, "end": 862.24, "confidence": 0.99594796, "channel": 0, "transcript": "So what's changed is the immense number of offerings of products and services from technology companies in the financial world.", "words": [ { "word": "so", "start": 855.66003, "end": 855.82, "confidence": 0.9932255, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "what's", "start": 855.82, "end": 856.14, "confidence": 0.9996656, "punctuated_word": "what's", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "changed", "start": 856.14, "end": 856.54004, "confidence": 0.9992092, "punctuated_word": "changed", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "is", "start": 856.54004, "end": 856.78, "confidence": 0.9994247, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "the", "start": 856.78, "end": 857.02, "confidence": 0.9989773, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "immense", "start": 857.02, "end": 857.5, "confidence": 0.9996675, "punctuated_word": "immense", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "number", "start": 857.5, "end": 857.9, "confidence": 0.9998785, "punctuated_word": "number", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "of", "start": 857.9, "end": 858.22003, "confidence": 0.99992955, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "offerings", "start": 858.22003, "end": 858.7, "confidence": 0.99950755, "punctuated_word": "offerings", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "of", "start": 858.7, "end": 858.86005, "confidence": 0.93365186, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "products", "start": 858.86005, "end": 859.10004, "confidence": 0.99785477, "punctuated_word": "products", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "and", "start": 859.10004, "end": 859.34, "confidence": 0.9995865, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "services", "start": 859.34, "end": 859.74, "confidence": 0.99996316, "punctuated_word": "services", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "from", "start": 859.74, "end": 859.98004, "confidence": 0.99985564, "punctuated_word": "from", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "technology", "start": 859.98004, "end": 860.48004, "confidence": 0.9999143, "punctuated_word": "technology", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "companies", "start": 860.54004, "end": 861.02, "confidence": 0.9999323, "punctuated_word": "companies", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "in", "start": 861.02, "end": 861.18, "confidence": 0.99957806, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.9166839 }, { "word": "the", "start": 861.18, "end": 861.26, "confidence": 0.9998271, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.59492624 }, { "word": "financial", "start": 861.26, "end": 861.74, "confidence": 0.99993205, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.59492624 }, { "word": "world", "start": 861.74, "end": 862.24, "confidence": 0.99937814, "punctuated_word": "world.", "speaker": 1, "speaker_confidence": 0.59492624 } ], "speaker": 1, "id": "a8844c0e-96ac-43a9-8077-472a5e3674d0" }, { "start": 862.94, "end": 864.08, "confidence": 0.9994475, "channel": 0, "transcript": "As that's happened,", "words": [ { "word": "as", "start": 862.94, "end": 863.26, "confidence": 0.9992834, "punctuated_word": "As", "speaker": 1, "speaker_confidence": 0.59492624 }, { "word": "that's", "start": 863.26, "end": 863.58, "confidence": 0.9996066, "punctuated_word": "that's", "speaker": 1, "speaker_confidence": 0.59492624 }, { "word": "happened", "start": 863.58, "end": 864.08, "confidence": 0.99945253, "punctuated_word": "happened,", "speaker": 1, "speaker_confidence": 0.59492624 } ], "speaker": 1, "id": "ec0ba07b-64e5-45bb-81fb-fbb2039174dc" }, { "start": 864.46, "end": 866.425, "confidence": 0.9778702, "channel": 0, "transcript": "we've also seen the,", "words": [ { "word": "we've", "start": 864.46, "end": 864.78, "confidence": 0.9997871, "punctuated_word": "we've", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "also", "start": 864.78, "end": 865.065, "confidence": 0.9996779, "punctuated_word": "also", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "seen", "start": 865.145, "end": 865.645, "confidence": 0.9998485, "punctuated_word": "seen", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "the", "start": 865.945, "end": 866.425, "confidence": 0.9121675, "punctuated_word": "the,", "speaker": 1, "speaker_confidence": 0.74801826 } ], "speaker": 1, "id": "38f61df0-979d-4cec-929a-ffe97582d506" }, { "start": 867.705, "end": 888.61, "confidence": 0.9733182, "channel": 0, "transcript": "tenor and tone of the banks change as it relates to allowing their consumers to share this data. Okay. Part of it is from a security perspective to the point I think you alluded to earlier. Right? There are legitimate security concerns that banks have, both data and cybersecurity, about allowing these third party tools to leverage consumers' data to provide benefits to them. But part of it, frankly, is just competition.", "words": [ { "word": "tenor", "start": 867.705, "end": 868.105, "confidence": 0.967492, "punctuated_word": "tenor", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "and", "start": 868.105, "end": 868.34503, "confidence": 0.9987637, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "tone", "start": 868.34503, "end": 868.505, "confidence": 0.97984236, "punctuated_word": "tone", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "of", "start": 868.505, "end": 868.585, "confidence": 0.99923396, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "the", "start": 868.585, "end": 868.745, "confidence": 0.99433655, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "banks", "start": 868.745, "end": 869.065, "confidence": 0.767676, "punctuated_word": "banks", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "change", "start": 869.065, "end": 869.465, "confidence": 0.9856861, "punctuated_word": "change", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "as", "start": 869.465, "end": 869.705, "confidence": 0.99661726, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.74801826 }, { "word": "it", "start": 869.705, "end": 869.785, "confidence": 0.9996315, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "relates", "start": 869.785, "end": 870.105, "confidence": 0.99972624, "punctuated_word": "relates", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "to", "start": 870.105, "end": 870.505, "confidence": 0.99966514, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "allowing", "start": 870.505, "end": 870.985, "confidence": 0.991202, "punctuated_word": "allowing", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "their", "start": 870.985, "end": 871.225, "confidence": 0.9995096, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "consumers", "start": 871.225, "end": 871.705, "confidence": 0.99946886, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "to", "start": 871.705, "end": 871.865, "confidence": 0.9998665, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "share", "start": 871.865, "end": 872.105, "confidence": 0.99978405, "punctuated_word": "share", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "this", "start": 872.105, "end": 872.265, "confidence": 0.9979388, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "data", "start": 872.265, "end": 872.585, "confidence": 0.9997361, "punctuated_word": "data.", "speaker": 1, "speaker_confidence": 0.5891944 }, { "word": "okay", "start": 872.585, "end": 873.065, "confidence": 0.9984062, "punctuated_word": "Okay.", "speaker": 2, "speaker_confidence": 0.155352 }, { "word": "part", "start": 873.065, "end": 873.225, "confidence": 0.99960643, "punctuated_word": "Part", "speaker": 1, "speaker_confidence": 0.6226232 }, { "word": "of", "start": 873.225, "end": 873.305, "confidence": 0.99977833, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.6226232 }, { "word": "it", "start": 873.305, "end": 873.465, "confidence": 0.99976987, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.6226232 }, { "word": "is", "start": 873.465, "end": 873.785, "confidence": 0.9992374, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.6226232 }, { "word": "from", "start": 873.785, "end": 874.025, "confidence": 0.7460964, "punctuated_word": "from", "speaker": 1, "speaker_confidence": 0.6226232 }, { "word": "a", "start": 874.025, "end": 874.105, "confidence": 0.99637294, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.6226232 }, { "word": "security", "start": 874.105, "end": 874.505, "confidence": 0.99995804, "punctuated_word": "security", "speaker": 1, "speaker_confidence": 0.6226232 }, { "word": "perspective", "start": 874.505, "end": 874.905, "confidence": 0.9998779, "punctuated_word": "perspective", "speaker": 1, "speaker_confidence": 0.6226232 }, { "word": "to", "start": 874.905, "end": 874.985, "confidence": 0.844578, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.6226232 }, { "word": "the", "start": 874.985, "end": 875.145, "confidence": 0.9990721, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.2684604 }, { "word": "point", "start": 875.145, "end": 875.305, "confidence": 0.9994923, "punctuated_word": "point", "speaker": 1, "speaker_confidence": 0.2684604 }, { "word": "i", "start": 875.305, "end": 875.385, "confidence": 0.77649766, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.2684604 }, { "word": "think", "start": 875.385, "end": 875.545, "confidence": 0.9998609, "punctuated_word": "think", "speaker": 1, "speaker_confidence": 0.2684604 }, { "word": "you", "start": 875.545, "end": 875.625, "confidence": 0.9983997, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "alluded", "start": 875.625, "end": 875.865, "confidence": 0.4570137, "punctuated_word": "alluded", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "to", "start": 875.865, "end": 876.025, "confidence": 0.99783725, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "earlier", "start": 876.025, "end": 876.525, "confidence": 0.9870422, "punctuated_word": "earlier.", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "right", "start": 876.665, "end": 876.905, "confidence": 0.9932473, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "there", "start": 876.905, "end": 877.065, "confidence": 0.9996753, "punctuated_word": "There", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "are", "start": 877.065, "end": 877.465, "confidence": 0.9996873, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "legitimate", "start": 877.465, "end": 877.965, "confidence": 0.9998584, "punctuated_word": "legitimate", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "security", "start": 878.105, "end": 878.505, "confidence": 0.99994576, "punctuated_word": "security", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "concerns", "start": 878.505, "end": 878.905, "confidence": 0.99990463, "punctuated_word": "concerns", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "that", "start": 878.905, "end": 879.065, "confidence": 0.99191403, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "banks", "start": 879.065, "end": 879.385, "confidence": 0.999637, "punctuated_word": "banks", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "have", "start": 879.385, "end": 879.63, "confidence": 0.93817246, "punctuated_word": "have,", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "both", "start": 879.63, "end": 879.87, "confidence": 0.9994947, "punctuated_word": "both", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "data", "start": 879.87, "end": 880.03, "confidence": 0.99987113, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "and", "start": 880.03, "end": 880.53, "confidence": 0.9979753, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "cybersecurity", "start": 880.59, "end": 881.09, "confidence": 0.8628682, "punctuated_word": "cybersecurity,", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "about", "start": 881.15, "end": 881.47003, "confidence": 0.99970275, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "allowing", "start": 881.47003, "end": 881.87, "confidence": 0.9998578, "punctuated_word": "allowing", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "these", "start": 881.87, "end": 882.19, "confidence": 0.99708813, "punctuated_word": "these", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "third", "start": 882.19, "end": 882.35, "confidence": 0.9998728, "punctuated_word": "third", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "party", "start": 882.35, "end": 882.59, "confidence": 0.9998772, "punctuated_word": "party", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "tools", "start": 882.59, "end": 883.09, "confidence": 0.9995789, "punctuated_word": "tools", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "to", "start": 883.39, "end": 883.63, "confidence": 0.9991435, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "leverage", "start": 883.63, "end": 884.11, "confidence": 0.9999107, "punctuated_word": "leverage", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "consumers'", "start": 884.11, "end": 884.59, "confidence": 0.9560192, "punctuated_word": "consumers'", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "data", "start": 884.59, "end": 884.99, "confidence": 0.9999833, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "to", "start": 884.99, "end": 885.23, "confidence": 0.99116534, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "provide", "start": 885.23, "end": 885.63, "confidence": 0.999795, "punctuated_word": "provide", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "benefits", "start": 885.63, "end": 886.03, "confidence": 0.9995127, "punctuated_word": "benefits", "speaker": 1, "speaker_confidence": 0.8925495 }, { "word": "to", "start": 886.03, "end": 886.11, "confidence": 0.98549557, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.56591177 }, { "word": "them", "start": 886.11, "end": 886.61, "confidence": 0.9776893, "punctuated_word": "them.", "speaker": 1, "speaker_confidence": 0.56591177 }, { "word": "but", "start": 886.75, "end": 886.91003, "confidence": 0.9948219, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 0.56591177 }, { "word": "part", "start": 886.91003, "end": 887.07, "confidence": 0.9998839, "punctuated_word": "part", "speaker": 1, "speaker_confidence": 0.56591177 }, { "word": "of", "start": 887.07, "end": 887.15, "confidence": 0.99990046, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.56591177 }, { "word": "it", "start": 887.15, "end": 887.39, "confidence": 0.94904804, "punctuated_word": "it,", "speaker": 1, "speaker_confidence": 0.56591177 }, { "word": "frankly", "start": 887.39, "end": 887.71, "confidence": 0.9996368, "punctuated_word": "frankly,", "speaker": 1, "speaker_confidence": 0.56591177 }, { "word": "is", "start": 887.71, "end": 887.87, "confidence": 0.9741832, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.56591177 }, { "word": "just", "start": 887.87, "end": 888.11, "confidence": 0.999819, "punctuated_word": "just", "speaker": 1, "speaker_confidence": 0.56591177 }, { "word": "competition", "start": 888.11, "end": 888.61, "confidence": 0.9995928, "punctuated_word": "competition.", "speaker": 1, "speaker_confidence": 0.56591177 } ], "speaker": 1, "id": "109bed8e-a527-42be-8a90-2225af4fe2bf" }, { "start": 888.91003, "end": 897.34503, "confidence": 0.9786918, "channel": 0, "transcript": "Right? So in many cases, fintech firms are competing directly against traditional banks to offer the same types of products and services that banks historically have provided for centuries.", "words": [ { "word": "right", "start": 888.91003, "end": 889.07, "confidence": 0.99934506, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "so", "start": 889.07, "end": 889.23, "confidence": 0.9998826, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "in", "start": 889.23, "end": 889.39, "confidence": 0.9846721, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "many", "start": 889.39, "end": 889.63, "confidence": 0.99980885, "punctuated_word": "many", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "cases", "start": 889.63, "end": 890.11, "confidence": 0.9994844, "punctuated_word": "cases,", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "fintech", "start": 890.11, "end": 890.51, "confidence": 0.98363495, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "firms", "start": 890.51, "end": 890.91003, "confidence": 0.99989676, "punctuated_word": "firms", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "are", "start": 890.91003, "end": 890.99, "confidence": 0.9998211, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "competing", "start": 890.99, "end": 891.47003, "confidence": 0.9999536, "punctuated_word": "competing", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "directly", "start": 891.47003, "end": 891.885, "confidence": 0.9997888, "punctuated_word": "directly", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "against", "start": 891.885, "end": 892.365, "confidence": 0.9999536, "punctuated_word": "against", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "traditional", "start": 892.365, "end": 892.765, "confidence": 0.9996778, "punctuated_word": "traditional", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "banks", "start": 892.765, "end": 893.265, "confidence": 0.99987864, "punctuated_word": "banks", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "to", "start": 893.325, "end": 893.485, "confidence": 0.97207433, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "offer", "start": 893.485, "end": 893.805, "confidence": 0.99948716, "punctuated_word": "offer", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "the", "start": 893.805, "end": 893.965, "confidence": 0.9994375, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "same", "start": 893.965, "end": 894.205, "confidence": 0.99994385, "punctuated_word": "same", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "types", "start": 894.205, "end": 894.445, "confidence": 0.99969184, "punctuated_word": "types", "speaker": 1, "speaker_confidence": 0.83293545 }, { "word": "of", "start": 894.445, "end": 894.525, "confidence": 0.99966514, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "products", "start": 894.525, "end": 894.765, "confidence": 0.9989759, "punctuated_word": "products", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "and", "start": 894.765, "end": 894.925, "confidence": 0.9993228, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "services", "start": 894.925, "end": 895.325, "confidence": 0.9999149, "punctuated_word": "services", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "that", "start": 895.325, "end": 895.485, "confidence": 0.58026516, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "banks", "start": 895.485, "end": 895.805, "confidence": 0.9329027, "punctuated_word": "banks", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "historically", "start": 895.805, "end": 896.125, "confidence": 0.96957815, "punctuated_word": "historically", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "have", "start": 896.125, "end": 896.28503, "confidence": 0.97604203, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "provided", "start": 896.28503, "end": 896.685, "confidence": 0.9998091, "punctuated_word": "provided", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "for", "start": 896.685, "end": 896.84503, "confidence": 0.9993272, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.5717568 }, { "word": "centuries", "start": 896.84503, "end": 897.34503, "confidence": 0.98983014, "punctuated_word": "centuries.", "speaker": 1, "speaker_confidence": 0.5717568 } ], "speaker": 1, "id": "8daf402c-58ff-4c59-a61d-1b2a7fa5f45a" }, { "start": 897.72504, "end": 909.73, "confidence": 0.94559383, "channel": 0, "transcript": "And so some of these products and services just for people? Everything. Right? So it it ranges from personal financial management tools. So, you know, you go along, you see a dashboard of all 15 of your accounts in one place. Your entire financial life is there.", "words": [ { "word": "and", "start": 897.72504, "end": 897.805, "confidence": 0.78489685, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "so", "start": 897.805, "end": 897.885, "confidence": 0.8380344, "punctuated_word": "so", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "some", "start": 898.205, "end": 898.365, "confidence": 0.65166825, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "of", "start": 898.365, "end": 898.445, "confidence": 0.99733293, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "these", "start": 898.445, "end": 898.605, "confidence": 0.9990189, "punctuated_word": "these", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "products", "start": 898.605, "end": 898.925, "confidence": 0.99926716, "punctuated_word": "products", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "and", "start": 898.925, "end": 899.085, "confidence": 0.99951375, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "services", "start": 899.085, "end": 899.565, "confidence": 0.9994091, "punctuated_word": "services", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "just", "start": 899.565, "end": 899.805, "confidence": 0.8347591, "punctuated_word": "just", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "for", "start": 899.805, "end": 900.125, "confidence": 0.9404255, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "people", "start": 900.125, "end": 900.365, "confidence": 0.5535244, "punctuated_word": "people?", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "everything", "start": 900.365, "end": 900.765, "confidence": 0.85393, "punctuated_word": "Everything.", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "right", "start": 900.765, "end": 901.085, "confidence": 0.96900225, "punctuated_word": "Right?", "speaker": 2, "speaker_confidence": 0.6240961 }, { "word": "so", "start": 901.085, "end": 901.325, "confidence": 0.9918296, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "it", "start": 901.325, "end": 901.485, "confidence": 0.99837863, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "it", "start": 901.485, "end": 901.645, "confidence": 0.9678959, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "ranges", "start": 901.645, "end": 902.125, "confidence": 0.9979456, "punctuated_word": "ranges", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "from", "start": 902.125, "end": 902.445, "confidence": 0.99981886, "punctuated_word": "from", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "personal", "start": 902.445, "end": 902.765, "confidence": 0.9999186, "punctuated_word": "personal", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "financial", "start": 902.765, "end": 903.16504, "confidence": 0.99724495, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "management", "start": 903.16504, "end": 903.645, "confidence": 0.9998684, "punctuated_word": "management", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "tools", "start": 903.645, "end": 904.11, "confidence": 0.9926965, "punctuated_word": "tools.", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "so", "start": 904.26996, "end": 904.43, "confidence": 0.9955906, "punctuated_word": "So,", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "you", "start": 904.43, "end": 904.51, "confidence": 0.9992126, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.69462734 }, { "word": "know", "start": 904.51, "end": 904.58997, "confidence": 0.9997016, "punctuated_word": "know,", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "you", "start": 904.58997, "end": 904.82996, "confidence": 0.9991314, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "go", "start": 904.82996, "end": 904.99, "confidence": 0.97408617, "punctuated_word": "go", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "along", "start": 904.99, "end": 905.14996, "confidence": 0.64267135, "punctuated_word": "along,", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "you", "start": 905.14996, "end": 905.31, "confidence": 0.8916895, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "see", "start": 905.31, "end": 905.47, "confidence": 0.9910419, "punctuated_word": "see", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "a", "start": 905.47, "end": 905.55, "confidence": 0.99798346, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "dashboard", "start": 905.55, "end": 905.95, "confidence": 0.999933, "punctuated_word": "dashboard", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "of", "start": 905.95, "end": 906.02997, "confidence": 0.99855083, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "all", "start": 906.02997, "end": 906.26996, "confidence": 0.9998609, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "15", "start": 906.26996, "end": 906.58997, "confidence": 0.99867344, "punctuated_word": "15", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "of", "start": 906.58997, "end": 906.67, "confidence": 0.9993537, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "your", "start": 906.67, "end": 906.82996, "confidence": 0.99972934, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "accounts", "start": 906.82996, "end": 907.14996, "confidence": 0.99515015, "punctuated_word": "accounts", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "in", "start": 907.14996, "end": 907.31, "confidence": 0.99641514, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "one", "start": 907.31, "end": 907.55, "confidence": 0.99965465, "punctuated_word": "one", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "place", "start": 907.55, "end": 907.87, "confidence": 0.76864433, "punctuated_word": "place.", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "your", "start": 907.87, "end": 908.11, "confidence": 0.9988601, "punctuated_word": "Your", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "entire", "start": 908.11, "end": 908.51, "confidence": 0.99998605, "punctuated_word": "entire", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "financial", "start": 908.51, "end": 908.91, "confidence": 0.99947447, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "life", "start": 908.91, "end": 909.14996, "confidence": 0.9993623, "punctuated_word": "life", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "is", "start": 909.14996, "end": 909.23, "confidence": 0.9998573, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "there", "start": 909.23, "end": 909.73, "confidence": 0.8319148, "punctuated_word": "there.", "speaker": 1, "speaker_confidence": 0.90475565 } ], "speaker": 1, "id": "1d3e244c-d6e1-4bbe-9ef9-6bc146d3dc5b" }, { "start": 910.11, "end": 910.58997, "confidence": 0.9876543, "channel": 0, "transcript": "To,", "words": [ { "word": "to", "start": 910.11, "end": 910.58997, "confidence": 0.9876543, "punctuated_word": "To,", "speaker": 1, "speaker_confidence": 0.90475565 } ], "speaker": 1, "id": "130affbc-7f18-41ef-b072-5958ea9821b5" }, { "start": 911.07, "end": 914.61, "confidence": 0.9928375, "channel": 0, "transcript": "credit and lending products. Right? Think about your marketplace lenders or,", "words": [ { "word": "credit", "start": 911.07, "end": 911.39, "confidence": 0.9996057, "punctuated_word": "credit", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "and", "start": 911.39, "end": 911.63, "confidence": 0.9991019, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "lending", "start": 911.63, "end": 911.95, "confidence": 0.9992416, "punctuated_word": "lending", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "products", "start": 911.95, "end": 912.26996, "confidence": 0.9889617, "punctuated_word": "products.", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "right", "start": 912.26996, "end": 912.51, "confidence": 0.99761796, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "think", "start": 912.51, "end": 912.75, "confidence": 0.9975535, "punctuated_word": "Think", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "about", "start": 912.75, "end": 912.91, "confidence": 0.99987614, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "your", "start": 912.91, "end": 913.07, "confidence": 0.99424994, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.90475565 }, { "word": "marketplace", "start": 913.07, "end": 913.57, "confidence": 0.9814212, "punctuated_word": "marketplace", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "lenders", "start": 913.63, "end": 914.11, "confidence": 0.9953537, "punctuated_word": "lenders", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "or", "start": 914.11, "end": 914.61, "confidence": 0.9682293, "punctuated_word": "or,", "speaker": 1, "speaker_confidence": 0.88161373 } ], "speaker": 1, "id": "e1b3e325-5876-47b2-800d-f1ae5460fc30" }, { "start": 915.39, "end": 918.76996, "confidence": 0.9135447, "channel": 0, "transcript": "our firms like Kabbage for small businesses and getting credit for them.", "words": [ { "word": "our", "start": 915.39, "end": 915.55, "confidence": 0.49043775, "punctuated_word": "our", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "firms", "start": 915.55, "end": 915.87, "confidence": 0.9870144, "punctuated_word": "firms", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "like", "start": 915.87, "end": 916.11, "confidence": 0.8964186, "punctuated_word": "like", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "kabbage", "start": 916.11, "end": 916.51, "confidence": 0.9130428, "punctuated_word": "Kabbage", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "for", "start": 916.51, "end": 916.67, "confidence": 0.94800127, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "small", "start": 916.67, "end": 916.91, "confidence": 0.9978346, "punctuated_word": "small", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "businesses", "start": 916.91, "end": 917.31, "confidence": 0.9987966, "punctuated_word": "businesses", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "and", "start": 917.31, "end": 917.55, "confidence": 0.98504084, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "getting", "start": 917.55, "end": 917.79, "confidence": 0.9997048, "punctuated_word": "getting", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "credit", "start": 917.79, "end": 918.11, "confidence": 0.99968505, "punctuated_word": "credit", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "for", "start": 918.11, "end": 918.26996, "confidence": 0.99931943, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "them", "start": 918.26996, "end": 918.76996, "confidence": 0.747241, "punctuated_word": "them.", "speaker": 1, "speaker_confidence": 0.88161373 } ], "speaker": 1, "id": "fe15c440-b618-4761-8fed-98895f68a188" }, { "start": 919.19495, "end": 931.535, "confidence": 0.97534776, "channel": 0, "transcript": "To there are even applications now that can help you, mediate your way through a divorce. So if you can aggregate all of your finances in one place, you can all see it in one place, and then you can decide how to divide up. There are literally thousands and thousands and thousands of applications.", "words": [ { "word": "to", "start": 919.19495, "end": 919.435, "confidence": 0.9913298, "punctuated_word": "To", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "there", "start": 919.51495, "end": 919.675, "confidence": 0.98864925, "punctuated_word": "there", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "are", "start": 919.675, "end": 919.75494, "confidence": 0.9423826, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "even", "start": 919.75494, "end": 920.07495, "confidence": 0.9998375, "punctuated_word": "even", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "applications", "start": 920.07495, "end": 920.555, "confidence": 0.99966455, "punctuated_word": "applications", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "now", "start": 920.555, "end": 920.875, "confidence": 0.9998511, "punctuated_word": "now", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "that", "start": 920.875, "end": 920.95496, "confidence": 0.9997435, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "can", "start": 920.95496, "end": 921.19495, "confidence": 0.99975103, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "help", "start": 921.19495, "end": 921.355, "confidence": 0.9998741, "punctuated_word": "help", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "you", "start": 921.355, "end": 921.675, "confidence": 0.9774779, "punctuated_word": "you,", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "mediate", "start": 922.07495, "end": 922.39496, "confidence": 0.99492455, "punctuated_word": "mediate", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "your", "start": 922.39496, "end": 922.555, "confidence": 0.999037, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "way", "start": 922.555, "end": 922.71497, "confidence": 0.9993197, "punctuated_word": "way", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "through", "start": 922.71497, "end": 922.95496, "confidence": 0.9995695, "punctuated_word": "through", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "a", "start": 922.95496, "end": 923.035, "confidence": 0.90519416, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "divorce", "start": 923.035, "end": 923.51495, "confidence": 0.9975612, "punctuated_word": "divorce.", "speaker": 1, "speaker_confidence": 0.88161373 }, { "word": "so", "start": 923.51495, "end": 923.675, "confidence": 0.99978393, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.4963197 }, { "word": "if", "start": 923.675, "end": 923.755, "confidence": 0.99976534, "punctuated_word": "if", "speaker": 1, "speaker_confidence": 0.4963197 }, { "word": "you", "start": 923.755, "end": 923.83496, "confidence": 0.9999455, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.4963197 }, { "word": "can", "start": 923.83496, "end": 924.07495, "confidence": 0.99970514, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.4963197 }, { "word": "aggregate", "start": 924.07495, "end": 924.475, "confidence": 0.9981767, "punctuated_word": "aggregate", "speaker": 1, "speaker_confidence": 0.4963197 }, { "word": "all", "start": 924.475, "end": 924.555, "confidence": 0.9997453, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.4963197 }, { "word": "of", "start": 924.555, "end": 924.63495, "confidence": 0.9995328, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.53956276 }, { "word": "your", "start": 924.63495, "end": 924.875, "confidence": 0.9998745, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.53956276 }, { "word": "finances", "start": 924.875, "end": 925.27496, "confidence": 0.9985089, "punctuated_word": "finances", "speaker": 1, "speaker_confidence": 0.53956276 }, { "word": "in", "start": 925.27496, "end": 925.435, "confidence": 0.993891, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.53956276 }, { "word": "one", "start": 925.435, "end": 925.595, "confidence": 0.9997292, "punctuated_word": "one", "speaker": 1, "speaker_confidence": 0.53956276 }, { "word": "place", "start": 925.595, "end": 925.83496, "confidence": 0.99021864, "punctuated_word": "place,", "speaker": 1, "speaker_confidence": 0.53956276 }, { "word": "you", "start": 925.83496, "end": 925.915, "confidence": 0.8896625, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.20273995 }, { "word": "can", "start": 925.915, "end": 926.07495, "confidence": 0.99942017, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.20273995 }, { "word": "all", "start": 926.07495, "end": 926.235, "confidence": 0.9939074, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.20273995 }, { "word": "see", "start": 926.235, "end": 926.315, "confidence": 0.996912, "punctuated_word": "see", "speaker": 1, "speaker_confidence": 0.20273995 }, { "word": "it", "start": 926.315, "end": 926.39496, "confidence": 0.95520943, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.20273995 }, { "word": "in", "start": 926.39496, "end": 926.475, "confidence": 0.8176598, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "one", "start": 926.475, "end": 926.63495, "confidence": 0.99778277, "punctuated_word": "one", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "place", "start": 926.63495, "end": 926.795, "confidence": 0.9622185, "punctuated_word": "place,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 926.795, "end": 926.875, "confidence": 0.9957502, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "then", "start": 926.875, "end": 927.035, "confidence": 0.99978966, "punctuated_word": "then", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "you", "start": 927.035, "end": 927.115, "confidence": 0.99952507, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "can", "start": 927.115, "end": 927.27496, "confidence": 0.9976343, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "decide", "start": 927.27496, "end": 927.77496, "confidence": 0.99993765, "punctuated_word": "decide", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "how", "start": 927.915, "end": 928.07495, "confidence": 0.9983308, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 928.07495, "end": 928.235, "confidence": 0.9957211, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "divide", "start": 928.235, "end": 928.475, "confidence": 0.49655402, "punctuated_word": "divide", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "up", "start": 928.475, "end": 928.71497, "confidence": 0.7975011, "punctuated_word": "up.", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "there", "start": 928.71497, "end": 928.875, "confidence": 0.9995857, "punctuated_word": "There", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "are", "start": 928.875, "end": 929.035, "confidence": 0.9993074, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "literally", "start": 929.035, "end": 929.51495, "confidence": 0.99656713, "punctuated_word": "literally", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "thousands", "start": 929.51495, "end": 929.915, "confidence": 0.99896395, "punctuated_word": "thousands", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 929.915, "end": 930.07495, "confidence": 0.9967223, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "thousands", "start": 930.07495, "end": 930.39496, "confidence": 0.9946637, "punctuated_word": "thousands", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 930.39496, "end": 930.555, "confidence": 0.9954698, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "thousands", "start": 930.555, "end": 930.875, "confidence": 0.9970878, "punctuated_word": "thousands", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "of", "start": 930.875, "end": 931.035, "confidence": 0.9995295, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "applications", "start": 931.035, "end": 931.535, "confidence": 0.9996732, "punctuated_word": "applications.", "speaker": 1, "speaker_confidence": 1.0 } ], "speaker": 1, "id": "ee99dbc8-57e3-4446-a2e9-4607c3bce94d" }, { "start": 931.995, "end": 932.88, "confidence": 0.99983025, "channel": 0, "transcript": "The beauty is", "words": [ { "word": "the", "start": 931.995, "end": 932.15497, "confidence": 0.99974483, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "beauty", "start": 932.15497, "end": 932.475, "confidence": 0.99997926, "punctuated_word": "beauty", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "is", "start": 932.475, "end": 932.88, "confidence": 0.99976665, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 1.0 } ], "speaker": 1, "id": "9fa85386-1ac0-4cb3-906c-0b001e3bfa20" }, { "start": 933.36, "end": 942.1, "confidence": 0.98184586, "channel": 0, "transcript": "it's up to the consumer to decide which they want to use, and their data only comes in once they've said, yep. I'm gonna log on to, let's say, Personal Capital", "words": [ { "word": "it's", "start": 933.36, "end": 933.6, "confidence": 0.9996427, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "up", "start": 933.6, "end": 933.76, "confidence": 0.99996173, "punctuated_word": "up", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 933.76, "end": 933.92, "confidence": 0.99974483, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 933.92, "end": 934.08, "confidence": 0.9993894, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "consumer", "start": 934.08, "end": 934.48, "confidence": 0.9997843, "punctuated_word": "consumer", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 934.48, "end": 934.56, "confidence": 0.9939737, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "decide", "start": 934.56, "end": 934.96, "confidence": 0.9999248, "punctuated_word": "decide", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "which", "start": 934.96, "end": 935.28, "confidence": 0.98905456, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "they", "start": 935.28, "end": 935.52, "confidence": 0.99946016, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "want", "start": 935.52, "end": 935.68, "confidence": 0.99972934, "punctuated_word": "want", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 935.68, "end": 935.84, "confidence": 0.9994708, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "use", "start": 935.84, "end": 936.34, "confidence": 0.871578, "punctuated_word": "use,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 936.56, "end": 936.88, "confidence": 0.9991736, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "their", "start": 936.88, "end": 937.12, "confidence": 0.99587893, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "data", "start": 937.12, "end": 937.36, "confidence": 0.99996126, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "only", "start": 937.36, "end": 937.68, "confidence": 0.9999192, "punctuated_word": "only", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "comes", "start": 937.68, "end": 937.84, "confidence": 0.9998184, "punctuated_word": "comes", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "in", "start": 937.84, "end": 938.24, "confidence": 0.9993825, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "once", "start": 938.24, "end": 938.56, "confidence": 0.9892078, "punctuated_word": "once", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "they've", "start": 938.56, "end": 938.88, "confidence": 0.9983989, "punctuated_word": "they've", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "said", "start": 938.88, "end": 939.12, "confidence": 0.99247926, "punctuated_word": "said,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "yep", "start": 939.12, "end": 939.36, "confidence": 0.95485306, "punctuated_word": "yep.", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "i'm", "start": 939.36, "end": 939.52, "confidence": 0.99992204, "punctuated_word": "I'm", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "gonna", "start": 939.52, "end": 939.76, "confidence": 0.99412435, "punctuated_word": "gonna", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "log", "start": 939.76, "end": 940.0, "confidence": 0.99861026, "punctuated_word": "log", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "on", "start": 940.0, "end": 940.16003, "confidence": 0.9662025, "punctuated_word": "on", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 940.16003, "end": 940.4, "confidence": 0.9647902, "punctuated_word": "to,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "let's", "start": 940.4, "end": 940.8, "confidence": 0.99930686, "punctuated_word": "let's", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "say", "start": 940.8, "end": 941.28, "confidence": 0.9819881, "punctuated_word": "say,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "personal", "start": 941.28, "end": 941.6, "confidence": 0.7520376, "punctuated_word": "Personal", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "capital", "start": 941.6, "end": 942.1, "confidence": 0.99945456, "punctuated_word": "Capital", "speaker": 1, "speaker_confidence": 1.0 } ], "speaker": 1, "id": "65ab451b-61da-4a5f-adc0-8905ae2640d0" }, { "start": 942.72003, "end": 949.09503, "confidence": 0.98068786, "channel": 0, "transcript": "or Betterment. I wanna use this tool, and only then will the connection to their financial accounts be made once they input the information.", "words": [ { "word": "or", "start": 942.72003, "end": 942.88, "confidence": 0.6653778, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "betterment", "start": 942.88, "end": 943.38, "confidence": 0.9910148, "punctuated_word": "Betterment.", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "i", "start": 943.68, "end": 943.84, "confidence": 0.999723, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "wanna", "start": 943.84, "end": 944.08, "confidence": 0.99330306, "punctuated_word": "wanna", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "use", "start": 944.08, "end": 944.32, "confidence": 0.9991279, "punctuated_word": "use", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "this", "start": 944.32, "end": 944.56, "confidence": 0.9998591, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "tool", "start": 944.56, "end": 944.88, "confidence": 0.9294152, "punctuated_word": "tool,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 944.88, "end": 945.12, "confidence": 0.9997532, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "only", "start": 945.12, "end": 945.36, "confidence": 0.99946195, "punctuated_word": "only", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "then", "start": 945.36, "end": 945.6, "confidence": 0.9996586, "punctuated_word": "then", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "will", "start": 945.6, "end": 945.84, "confidence": 0.9926059, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 945.84, "end": 945.92, "confidence": 0.9981711, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "connection", "start": 945.92, "end": 946.32, "confidence": 0.99967396, "punctuated_word": "connection", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 946.32, "end": 946.48, "confidence": 0.99970514, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "their", "start": 946.48, "end": 946.72003, "confidence": 0.9998374, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "financial", "start": 946.72003, "end": 947.12, "confidence": 0.9995722, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "accounts", "start": 947.12, "end": 947.52, "confidence": 0.9992767, "punctuated_word": "accounts", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "be", "start": 947.52, "end": 947.68, "confidence": 0.99765706, "punctuated_word": "be", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "made", "start": 947.68, "end": 947.84, "confidence": 0.999749, "punctuated_word": "made", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "once", "start": 947.84, "end": 948.08, "confidence": 0.99762934, "punctuated_word": "once", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "they", "start": 948.08, "end": 948.195, "confidence": 0.983004, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "input", "start": 948.195, "end": 948.435, "confidence": 0.9961939, "punctuated_word": "input", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 948.435, "end": 948.59503, "confidence": 0.99862456, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "information", "start": 948.59503, "end": 949.09503, "confidence": 0.99811643, "punctuated_word": "information.", "speaker": 1, "speaker_confidence": 1.0 } ], "speaker": 1, "id": "0b366cb7-01ed-4f31-bda8-d79acf621800" }, { "start": 949.47504, "end": 958.855, "confidence": 0.92383015, "channel": 0, "transcript": "Okay. Yeah. I know. As you're talking through that, I'm like, gosh. I really need to get my finances in order. And it would be great to talk after one one platform that would help me out. So I'll I'll ask you for advice on that later.", "words": [ { "word": "okay", "start": 949.47504, "end": 949.795, "confidence": 0.9989946, "punctuated_word": "Okay.", "speaker": 2, "speaker_confidence": 0.46493644 }, { "word": "yeah", "start": 949.795, "end": 949.91504, "confidence": 0.9935831, "punctuated_word": "Yeah.", "speaker": 2, "speaker_confidence": 0.46493644 }, { "word": "i", "start": 949.91504, "end": 950.03503, "confidence": 0.6007356, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.46493644 }, { "word": "know", "start": 950.03503, "end": 950.195, "confidence": 0.89983904, "punctuated_word": "know.", "speaker": 2, "speaker_confidence": 0.46493644 }, { "word": "as", "start": 950.195, "end": 950.355, "confidence": 0.9953544, "punctuated_word": "As", "speaker": 2, "speaker_confidence": 0.46493644 }, { "word": "you're", "start": 950.355, "end": 950.515, "confidence": 0.9933914, "punctuated_word": "you're", "speaker": 2, "speaker_confidence": 0.46493644 }, { "word": "talking", "start": 950.515, "end": 950.755, "confidence": 0.9995308, "punctuated_word": "talking", "speaker": 2, "speaker_confidence": 0.46493644 }, { "word": "through", "start": 950.755, "end": 950.835, "confidence": 0.72489774, "punctuated_word": "through", "speaker": 2, "speaker_confidence": 0.41307223 }, { "word": "that", "start": 950.835, "end": 950.995, "confidence": 0.97949266, "punctuated_word": "that,", "speaker": 2, "speaker_confidence": 0.41307223 }, { "word": "i'm", "start": 950.995, "end": 951.155, "confidence": 0.99815464, "punctuated_word": "I'm", "speaker": 2, "speaker_confidence": 0.41307223 }, { "word": "like", "start": 951.155, "end": 951.315, "confidence": 0.92795503, "punctuated_word": "like,", "speaker": 2, "speaker_confidence": 0.41307223 }, { "word": "gosh", "start": 951.315, "end": 951.47504, "confidence": 0.9604593, "punctuated_word": "gosh.", "speaker": 2, "speaker_confidence": 0.41307223 }, { "word": "i", "start": 951.47504, "end": 951.635, "confidence": 0.99912566, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.41307223 }, { "word": "really", "start": 951.635, "end": 951.875, "confidence": 0.9991391, "punctuated_word": "really", "speaker": 2, "speaker_confidence": 0.41307223 }, { "word": "need", "start": 951.875, "end": 951.955, "confidence": 0.9986743, "punctuated_word": "need", "speaker": 2, "speaker_confidence": 0.41307223 }, { "word": "to", "start": 951.955, "end": 952.03503, "confidence": 0.9985007, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.41770703 }, { "word": "get", "start": 952.03503, "end": 952.195, "confidence": 0.99305576, "punctuated_word": "get", "speaker": 2, "speaker_confidence": 0.41770703 }, { "word": "my", "start": 952.195, "end": 952.355, "confidence": 0.9975138, "punctuated_word": "my", "speaker": 2, "speaker_confidence": 0.41770703 }, { "word": "finances", "start": 952.355, "end": 952.835, "confidence": 0.9981846, "punctuated_word": "finances", "speaker": 2, "speaker_confidence": 0.41770703 }, { "word": "in", "start": 952.835, "end": 952.995, "confidence": 0.9961468, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.41770703 }, { "word": "order", "start": 952.995, "end": 953.075, "confidence": 0.8303274, "punctuated_word": "order.", "speaker": 2, "speaker_confidence": 0.41770703 }, { "word": "and", "start": 953.075, "end": 953.155, "confidence": 0.3572394, "punctuated_word": "And", "speaker": 2, "speaker_confidence": 0.41770703 }, { "word": "it", "start": 953.155, "end": 953.235, "confidence": 0.8121665, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.41770703 }, { "word": "would", "start": 953.235, "end": 953.635, "confidence": 0.82383245, "punctuated_word": "would", "speaker": 1, "speaker_confidence": 0.20857215 }, { "word": "be", "start": 953.635, "end": 953.795, "confidence": 0.92741156, "punctuated_word": "be", "speaker": 1, "speaker_confidence": 0.20857215 }, { "word": "great", "start": 953.795, "end": 954.115, "confidence": 0.94764775, "punctuated_word": "great", "speaker": 1, "speaker_confidence": 0.20857215 }, { "word": "to", "start": 954.115, "end": 954.195, "confidence": 0.6890321, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.20857215 }, { "word": "talk", "start": 954.195, "end": 954.355, "confidence": 0.91731066, "punctuated_word": "talk", "speaker": 1, "speaker_confidence": 0.20857215 }, { "word": "after", "start": 954.355, "end": 954.675, "confidence": 0.83329415, "punctuated_word": "after", "speaker": 1, "speaker_confidence": 0.20857215 }, { "word": "one", "start": 954.675, "end": 954.995, "confidence": 0.61533254, "punctuated_word": "one", "speaker": 2, "speaker_confidence": 0.34831214 }, { "word": "one", "start": 954.995, "end": 955.155, "confidence": 0.98747396, "punctuated_word": "one", "speaker": 2, "speaker_confidence": 0.34831214 }, { "word": "platform", "start": 955.155, "end": 955.655, "confidence": 0.9990159, "punctuated_word": "platform", "speaker": 2, "speaker_confidence": 0.34831214 }, { "word": "that", "start": 955.715, "end": 955.875, "confidence": 0.9943771, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.34831214 }, { "word": "would", "start": 955.875, "end": 956.115, "confidence": 0.99653745, "punctuated_word": "would", "speaker": 2, "speaker_confidence": 0.34831214 }, { "word": "help", "start": 956.115, "end": 956.275, "confidence": 0.9988048, "punctuated_word": "help", "speaker": 2, "speaker_confidence": 0.34831214 }, { "word": "me", "start": 956.275, "end": 956.355, "confidence": 0.99921143, "punctuated_word": "me", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "out", "start": 956.355, "end": 956.59503, "confidence": 0.8444905, "punctuated_word": "out.", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "so", "start": 956.59503, "end": 956.995, "confidence": 0.9975683, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "i'll", "start": 956.995, "end": 957.155, "confidence": 0.9969554, "punctuated_word": "I'll", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "i'll", "start": 957.155, "end": 957.235, "confidence": 0.857028, "punctuated_word": "I'll", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "ask", "start": 957.235, "end": 957.395, "confidence": 0.9969946, "punctuated_word": "ask", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "you", "start": 957.395, "end": 957.555, "confidence": 0.9965288, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "for", "start": 957.555, "end": 957.715, "confidence": 0.99729556, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "advice", "start": 957.715, "end": 958.115, "confidence": 0.9566145, "punctuated_word": "advice", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "on", "start": 958.115, "end": 958.195, "confidence": 0.99645317, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "that", "start": 958.195, "end": 958.355, "confidence": 0.9989256, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "later", "start": 958.355, "end": 958.855, "confidence": 0.9994186, "punctuated_word": "later.", "speaker": 2, "speaker_confidence": 0.6783093 } ], "speaker": 2, "id": "2e89155f-f788-4ae0-b9cf-b8be692ae894" }, { "start": 959.635, "end": 997.54, "confidence": 0.9832921, "channel": 0, "transcript": "So all this data, I mean, obviously, financial data is some of your more personal data. Certainly, if there's any sort of breach of that data, it could be catastrophic for folks. Who's liable in this case? Is it the banks? Is it is it Yodlee? Is it, you know, the other, you know, company in the mix that's trying to offer a service? How does that work? It's a really complicated question. Right? So let me start by saying a few things. As far as Yodlee is concerned, we don't have or collect personally identifiable information when we're connecting the fintech player to the bank. Okay. So what we have is an anonymized number. Right? So they don't know that it's Steve Balmes who's connecting his Capital One account. They know that user 1YZ", "words": [ { "word": "so", "start": 959.635, "end": 960.115, "confidence": 0.9803593, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "all", "start": 960.115, "end": 960.275, "confidence": 0.9917059, "punctuated_word": "all", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "this", "start": 960.275, "end": 960.515, "confidence": 0.9448481, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "data", "start": 960.515, "end": 960.755, "confidence": 0.78596723, "punctuated_word": "data,", "speaker": 2, "speaker_confidence": 0.6783093 }, { "word": "i", "start": 960.755, "end": 960.835, "confidence": 0.9786316, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "mean", "start": 960.835, "end": 961.14, "confidence": 0.99522233, "punctuated_word": "mean,", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "obviously", "start": 961.22003, "end": 961.54004, "confidence": 0.9590214, "punctuated_word": "obviously,", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "financial", "start": 961.54004, "end": 961.86, "confidence": 0.9990305, "punctuated_word": "financial", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "data", "start": 961.86, "end": 962.10004, "confidence": 0.9994286, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "is", "start": 962.10004, "end": 962.26, "confidence": 0.7457918, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "some", "start": 962.26, "end": 962.42004, "confidence": 0.99870455, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "of", "start": 962.42004, "end": 962.58, "confidence": 0.9996871, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "your", "start": 962.58, "end": 962.74, "confidence": 0.9968575, "punctuated_word": "your", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "more", "start": 962.74, "end": 962.98004, "confidence": 0.9984864, "punctuated_word": "more", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "personal", "start": 962.98004, "end": 963.48004, "confidence": 0.999826, "punctuated_word": "personal", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "data", "start": 963.7, "end": 964.2, "confidence": 0.96613824, "punctuated_word": "data.", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "certainly", "start": 964.26, "end": 964.66003, "confidence": 0.96884024, "punctuated_word": "Certainly,", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "if", "start": 964.66003, "end": 964.82, "confidence": 0.999153, "punctuated_word": "if", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "there's", "start": 964.82, "end": 965.14, "confidence": 0.9865999, "punctuated_word": "there's", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "any", "start": 965.14, "end": 965.3, "confidence": 0.9994742, "punctuated_word": "any", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "sort", "start": 965.3, "end": 965.46, "confidence": 0.9915957, "punctuated_word": "sort", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "of", "start": 965.46, "end": 965.62, "confidence": 0.99129677, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "breach", "start": 965.62, "end": 965.94, "confidence": 0.99598664, "punctuated_word": "breach", "speaker": 2, "speaker_confidence": 0.74921966 }, { "word": "of", "start": 965.94, "end": 966.02, "confidence": 0.9997781, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "that", "start": 966.02, "end": 966.18, "confidence": 0.99803466, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "data", "start": 966.18, "end": 966.33997, "confidence": 0.98961353, "punctuated_word": "data,", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "it", "start": 966.33997, "end": 966.5, "confidence": 0.98191583, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "could", "start": 966.5, "end": 966.74, "confidence": 0.97420007, "punctuated_word": "could", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "be", "start": 966.74, "end": 966.9, "confidence": 0.9987287, "punctuated_word": "be", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "catastrophic", "start": 966.9, "end": 967.4, "confidence": 0.999713, "punctuated_word": "catastrophic", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "for", "start": 967.54004, "end": 967.7, "confidence": 0.99967766, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "folks", "start": 967.7, "end": 968.18, "confidence": 0.9945947, "punctuated_word": "folks.", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "who's", "start": 968.18, "end": 968.5, "confidence": 0.99650204, "punctuated_word": "Who's", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "liable", "start": 968.5, "end": 968.98004, "confidence": 0.9998173, "punctuated_word": "liable", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "in", "start": 968.98004, "end": 969.14, "confidence": 0.9783756, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "this", "start": 969.14, "end": 969.3, "confidence": 0.9981408, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "case", "start": 969.3, "end": 969.62, "confidence": 0.99549747, "punctuated_word": "case?", "speaker": 2, "speaker_confidence": 0.64886314 }, { "word": "is", "start": 969.62, "end": 969.7, "confidence": 0.99763894, "punctuated_word": "Is", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "it", "start": 969.7, "end": 969.94, "confidence": 0.88154525, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "the", "start": 969.94, "end": 970.10004, "confidence": 0.99334246, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "banks", "start": 970.10004, "end": 970.60004, "confidence": 0.9955437, "punctuated_word": "banks?", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "is", "start": 970.9, "end": 971.14, "confidence": 0.9993573, "punctuated_word": "Is", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "it", "start": 971.14, "end": 971.3, "confidence": 0.99016935, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "is", "start": 971.3, "end": 971.46, "confidence": 0.9963431, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "it", "start": 971.46, "end": 971.78, "confidence": 0.9981476, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "yodlee", "start": 971.78, "end": 972.28, "confidence": 0.9740804, "punctuated_word": "Yodlee?", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "is", "start": 972.42004, "end": 972.58, "confidence": 0.9977697, "punctuated_word": "Is", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "it", "start": 972.58, "end": 972.82, "confidence": 0.994315, "punctuated_word": "it,", "speaker": 2, "speaker_confidence": 0.60092694 }, { "word": "you", "start": 972.82, "end": 972.9, "confidence": 0.9984433, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.5561019 }, { "word": "know", "start": 972.9, "end": 973.06, "confidence": 0.99946773, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.5561019 }, { "word": "the", "start": 973.06, "end": 973.245, "confidence": 0.9929299, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.5561019 }, { "word": "other", "start": 973.40497, "end": 973.805, "confidence": 0.9955447, "punctuated_word": "other,", "speaker": 2, "speaker_confidence": 0.5561019 }, { "word": "you", "start": 973.805, "end": 973.96497, "confidence": 0.99962926, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.5561019 }, { "word": "know", "start": 973.96497, "end": 974.285, "confidence": 0.99989283, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.5561019 }, { "word": "company", "start": 974.285, "end": 974.605, "confidence": 0.99947923, "punctuated_word": "company", "speaker": 2, "speaker_confidence": 0.5561019 }, { "word": "in", "start": 974.605, "end": 974.765, "confidence": 0.99978644, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.5561019 }, { "word": "the", "start": 974.765, "end": 974.845, "confidence": 0.99989927, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.5561019 }, { "word": "mix", "start": 974.845, "end": 975.085, "confidence": 0.99986017, "punctuated_word": "mix", "speaker": 2, "speaker_confidence": 0.55447346 }, { "word": "that's", "start": 975.085, "end": 975.245, "confidence": 0.99915314, "punctuated_word": "that's", "speaker": 2, "speaker_confidence": 0.55447346 }, { "word": "trying", "start": 975.245, "end": 975.485, "confidence": 0.99928963, "punctuated_word": "trying", "speaker": 2, "speaker_confidence": 0.55447346 }, { "word": "to", "start": 975.485, "end": 975.645, "confidence": 0.9965013, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.55447346 }, { "word": "offer", "start": 975.645, "end": 975.885, "confidence": 0.9998915, "punctuated_word": "offer", "speaker": 2, "speaker_confidence": 0.55447346 }, { "word": "a", "start": 975.885, "end": 975.96497, "confidence": 0.9680923, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.58043426 }, { "word": "service", "start": 975.96497, "end": 976.285, "confidence": 0.9957806, "punctuated_word": "service?", "speaker": 2, "speaker_confidence": 0.58043426 }, { "word": "how", "start": 976.285, "end": 976.445, "confidence": 0.9998128, "punctuated_word": "How", "speaker": 2, "speaker_confidence": 0.58043426 }, { "word": "does", "start": 976.445, "end": 976.605, "confidence": 0.9998827, "punctuated_word": "does", "speaker": 2, "speaker_confidence": 0.58043426 }, { "word": "that", "start": 976.605, "end": 976.765, "confidence": 0.9997923, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.58043426 }, { "word": "work", "start": 976.765, "end": 977.085, "confidence": 0.9995681, "punctuated_word": "work?", "speaker": 2, "speaker_confidence": 0.58043426 }, { "word": "it's", "start": 977.085, "end": 977.165, "confidence": 0.99340725, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.4153716 }, { "word": "a", "start": 977.165, "end": 977.245, "confidence": 0.9983972, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.4153716 }, { "word": "really", "start": 977.245, "end": 977.485, "confidence": 0.9998814, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.4153716 }, { "word": "complicated", "start": 977.485, "end": 977.96497, "confidence": 0.9999263, "punctuated_word": "complicated", "speaker": 1, "speaker_confidence": 0.4153716 }, { "word": "question", "start": 977.96497, "end": 978.285, "confidence": 0.9987967, "punctuated_word": "question.", "speaker": 1, "speaker_confidence": 0.4153716 }, { "word": "right", "start": 978.285, "end": 978.445, "confidence": 0.91260624, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.4153716 }, { "word": "so", "start": 978.445, "end": 978.605, "confidence": 0.99978226, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.48777747 }, { "word": "let", "start": 978.605, "end": 978.685, "confidence": 0.99940574, "punctuated_word": "let", "speaker": 1, "speaker_confidence": 0.48777747 }, { "word": "me", "start": 978.685, "end": 978.925, "confidence": 0.9995552, "punctuated_word": "me", "speaker": 1, "speaker_confidence": 0.48777747 }, { "word": "start", "start": 978.925, "end": 979.165, "confidence": 0.92830485, "punctuated_word": "start", "speaker": 1, "speaker_confidence": 0.48777747 }, { "word": "by", "start": 979.165, "end": 979.40497, "confidence": 0.9997415, "punctuated_word": "by", "speaker": 1, "speaker_confidence": 0.48777747 }, { "word": "saying", "start": 979.40497, "end": 979.565, "confidence": 0.9995617, "punctuated_word": "saying", "speaker": 1, "speaker_confidence": 0.48777747 }, { "word": "a", "start": 979.565, "end": 979.645, "confidence": 0.9991265, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "few", "start": 979.645, "end": 979.805, "confidence": 0.9999893, "punctuated_word": "few", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "things", "start": 979.805, "end": 980.305, "confidence": 0.9996288, "punctuated_word": "things.", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "as", "start": 980.525, "end": 980.765, "confidence": 0.9994435, "punctuated_word": "As", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "far", "start": 980.765, "end": 981.005, "confidence": 0.99962544, "punctuated_word": "far", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "as", "start": 981.005, "end": 981.165, "confidence": 0.9972844, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "yodlee", "start": 981.165, "end": 981.565, "confidence": 0.99871, "punctuated_word": "Yodlee", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "is", "start": 981.565, "end": 981.645, "confidence": 0.9959667, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "concerned", "start": 981.645, "end": 982.145, "confidence": 0.99946463, "punctuated_word": "concerned,", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "we", "start": 982.205, "end": 982.525, "confidence": 0.9997354, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "don't", "start": 982.525, "end": 982.845, "confidence": 0.99992937, "punctuated_word": "don't", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "have", "start": 982.845, "end": 983.245, "confidence": 0.9999294, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "or", "start": 983.245, "end": 983.485, "confidence": 0.99593145, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "collect", "start": 983.485, "end": 983.985, "confidence": 0.9998198, "punctuated_word": "collect", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "personally", "start": 984.125, "end": 984.605, "confidence": 0.52590305, "punctuated_word": "personally", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "identifiable", "start": 984.605, "end": 985.105, "confidence": 0.9989291, "punctuated_word": "identifiable", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "information", "start": 985.165, "end": 985.645, "confidence": 0.99986625, "punctuated_word": "information", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "when", "start": 985.645, "end": 985.86, "confidence": 0.998204, "punctuated_word": "when", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "we're", "start": 985.94, "end": 986.18, "confidence": 0.99917674, "punctuated_word": "we're", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "connecting", "start": 986.18, "end": 986.57996, "confidence": 0.99972385, "punctuated_word": "connecting", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "the", "start": 986.57996, "end": 986.74, "confidence": 0.99684674, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "fintech", "start": 986.74, "end": 987.14, "confidence": 0.9863035, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "player", "start": 987.14, "end": 987.38, "confidence": 0.99954, "punctuated_word": "player", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "to", "start": 987.38, "end": 987.54, "confidence": 0.9998098, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "the", "start": 987.54, "end": 987.62, "confidence": 0.9999455, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "bank", "start": 987.62, "end": 988.01996, "confidence": 0.9990326, "punctuated_word": "bank.", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "okay", "start": 988.01996, "end": 988.42, "confidence": 0.9984503, "punctuated_word": "Okay.", "speaker": 1, "speaker_confidence": 0.88663274 }, { "word": "so", "start": 988.42, "end": 988.5, "confidence": 0.9994758, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.6314516 }, { "word": "what", "start": 988.5, "end": 988.66, "confidence": 0.9995041, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.6314516 }, { "word": "we", "start": 988.66, "end": 988.89996, "confidence": 0.9998925, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.6314516 }, { "word": "have", "start": 988.89996, "end": 989.22, "confidence": 0.99988866, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.6314516 }, { "word": "is", "start": 989.22, "end": 989.62, "confidence": 0.99968886, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.6314516 }, { "word": "an", "start": 989.62, "end": 989.94, "confidence": 0.9994179, "punctuated_word": "an", "speaker": 1, "speaker_confidence": 0.6314516 }, { "word": "anonymized", "start": 989.94, "end": 990.44, "confidence": 0.9987769, "punctuated_word": "anonymized", "speaker": 1, "speaker_confidence": 0.6314516 }, { "word": "number", "start": 990.74, "end": 991.14, "confidence": 0.99932325, "punctuated_word": "number.", "speaker": 1, "speaker_confidence": 0.6314516 }, { "word": "right", "start": 991.14, "end": 991.38, "confidence": 0.9966773, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.6314516 }, { "word": "so", "start": 991.38, "end": 991.62, "confidence": 0.99933654, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "they", "start": 991.62, "end": 991.7, "confidence": 0.91100085, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "don't", "start": 991.7, "end": 991.86, "confidence": 0.9999685, "punctuated_word": "don't", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "know", "start": 991.86, "end": 992.01996, "confidence": 0.999869, "punctuated_word": "know", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "that", "start": 992.01996, "end": 992.18, "confidence": 0.99963474, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "it's", "start": 992.18, "end": 992.42, "confidence": 0.9993788, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "steve", "start": 992.42, "end": 992.74, "confidence": 0.9996568, "punctuated_word": "Steve", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "balmes", "start": 992.74, "end": 993.24, "confidence": 0.6529845, "punctuated_word": "Balmes", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "who's", "start": 993.38, "end": 993.62, "confidence": 0.9804647, "punctuated_word": "who's", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "connecting", "start": 993.62, "end": 994.01996, "confidence": 0.9748452, "punctuated_word": "connecting", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "his", "start": 994.01996, "end": 994.33997, "confidence": 0.99766386, "punctuated_word": "his", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "capital", "start": 994.33997, "end": 994.74, "confidence": 0.9987012, "punctuated_word": "Capital", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "one", "start": 994.74, "end": 994.98, "confidence": 0.99929976, "punctuated_word": "One", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "account", "start": 994.98, "end": 995.45996, "confidence": 0.9941634, "punctuated_word": "account.", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "they", "start": 995.45996, "end": 995.62, "confidence": 0.99964094, "punctuated_word": "They", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "know", "start": 995.62, "end": 995.77997, "confidence": 0.99985623, "punctuated_word": "know", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "that", "start": 995.77997, "end": 996.01996, "confidence": 0.9996382, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "user", "start": 996.01996, "end": 996.51996, "confidence": 0.9996792, "punctuated_word": "user", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "1yz", "start": 996.57996, "end": 997.54, "confidence": 0.9921152, "punctuated_word": "1YZ", "speaker": 1, "speaker_confidence": 0.9399974 } ], "speaker": 2, "id": "0aec2560-71fd-41a9-8c44-20e790df62b0" }, { "start": 997.54, "end": 1000.895, "confidence": 0.9909845, "channel": 0, "transcript": "four five is connecting a Capital One account to use personal capital.", "words": [ { "word": "four", "start": 997.54, "end": 997.86, "confidence": 0.98282385, "punctuated_word": "four", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "five", "start": 997.86, "end": 998.18, "confidence": 0.98554206, "punctuated_word": "five", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "is", "start": 998.18, "end": 998.33997, "confidence": 0.99713206, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "connecting", "start": 998.33997, "end": 998.66, "confidence": 0.9767759, "punctuated_word": "connecting", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "a", "start": 998.66, "end": 998.82, "confidence": 0.987427, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "capital", "start": 998.82, "end": 999.195, "confidence": 0.9986523, "punctuated_word": "Capital", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "one", "start": 999.195, "end": 999.355, "confidence": 0.98671883, "punctuated_word": "One", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "account", "start": 999.355, "end": 999.59503, "confidence": 0.9990055, "punctuated_word": "account", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "to", "start": 999.59503, "end": 999.675, "confidence": 0.9991786, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "use", "start": 999.675, "end": 1000.075, "confidence": 0.9957818, "punctuated_word": "use", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "personal", "start": 1000.075, "end": 1000.395, "confidence": 0.98668927, "punctuated_word": "personal", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "capital", "start": 1000.395, "end": 1000.895, "confidence": 0.9960872, "punctuated_word": "capital.", "speaker": 1, "speaker_confidence": 0.9399973 } ], "speaker": 1, "id": "cbd3d7f2-14e1-45bf-a618-255e9e2ac80e" }, { "start": 1001.275, "end": 1003.775, "confidence": 0.9801275, "channel": 0, "transcript": "But even if that wasn't the case and there's a breach,", "words": [ { "word": "but", "start": 1001.275, "end": 1001.515, "confidence": 0.9988513, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "even", "start": 1001.515, "end": 1001.755, "confidence": 0.9998124, "punctuated_word": "even", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "if", "start": 1001.755, "end": 1001.915, "confidence": 0.999897, "punctuated_word": "if", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "that", "start": 1001.915, "end": 1002.075, "confidence": 0.9997836, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "wasn't", "start": 1002.075, "end": 1002.395, "confidence": 0.9999452, "punctuated_word": "wasn't", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "the", "start": 1002.395, "end": 1002.47504, "confidence": 0.9988158, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "case", "start": 1002.47504, "end": 1002.715, "confidence": 0.9999659, "punctuated_word": "case", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "and", "start": 1002.715, "end": 1002.875, "confidence": 0.8416291, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "there's", "start": 1002.875, "end": 1003.195, "confidence": 0.94743836, "punctuated_word": "there's", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "a", "start": 1003.195, "end": 1003.275, "confidence": 0.99937075, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "breach", "start": 1003.275, "end": 1003.775, "confidence": 0.995893, "punctuated_word": "breach,", "speaker": 1, "speaker_confidence": 0.9399973 } ], "speaker": 1, "id": "c6af8bff-c5b7-41f7-927c-7c6e10eaa3a5" }, { "start": 1004.235, "end": 1017.03, "confidence": 0.9389805, "channel": 0, "transcript": "for Yodlee, there's a few different things that mandate who's liable. The first is where did the breach actually happen? Right? If if it happened at Yodlee Sure. That's one scenario. If it happened at the bank, that's another scenario. If it happened to third party, personal capital, that's a third scenario.", "words": [ { "word": "for", "start": 1004.235, "end": 1004.47504, "confidence": 0.9993375, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "yodlee", "start": 1004.47504, "end": 1004.875, "confidence": 0.9762304, "punctuated_word": "Yodlee,", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "there's", "start": 1004.875, "end": 1005.115, "confidence": 0.9922261, "punctuated_word": "there's", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "a", "start": 1005.115, "end": 1005.195, "confidence": 0.9991621, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "few", "start": 1005.195, "end": 1005.355, "confidence": 0.9999335, "punctuated_word": "few", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "different", "start": 1005.355, "end": 1005.59503, "confidence": 0.9996854, "punctuated_word": "different", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "things", "start": 1005.59503, "end": 1005.915, "confidence": 0.9997652, "punctuated_word": "things", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "that", "start": 1005.915, "end": 1006.075, "confidence": 0.9888558, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "mandate", "start": 1006.075, "end": 1006.47504, "confidence": 0.9954457, "punctuated_word": "mandate", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "who's", "start": 1006.47504, "end": 1006.715, "confidence": 0.9476615, "punctuated_word": "who's", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "liable", "start": 1006.715, "end": 1007.195, "confidence": 0.99811745, "punctuated_word": "liable.", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "the", "start": 1007.195, "end": 1007.275, "confidence": 0.9970394, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "first", "start": 1007.275, "end": 1007.515, "confidence": 0.99996614, "punctuated_word": "first", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "is", "start": 1007.515, "end": 1007.675, "confidence": 0.99918157, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "where", "start": 1007.675, "end": 1007.915, "confidence": 0.5425098, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "did", "start": 1007.915, "end": 1007.995, "confidence": 0.99119955, "punctuated_word": "did", "speaker": 1, "speaker_confidence": 0.9399973 }, { "word": "the", "start": 1007.995, "end": 1008.075, "confidence": 0.9991258, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.57516795 }, { "word": "breach", "start": 1008.075, "end": 1008.395, "confidence": 0.9976131, "punctuated_word": "breach", "speaker": 1, "speaker_confidence": 0.57516795 }, { "word": "actually", "start": 1008.395, "end": 1008.715, "confidence": 0.9998486, "punctuated_word": "actually", "speaker": 1, "speaker_confidence": 0.57516795 }, { "word": "happen", "start": 1008.715, "end": 1009.215, "confidence": 0.80765295, "punctuated_word": "happen?", "speaker": 1, "speaker_confidence": 0.57516795 }, { "word": "right", "start": 1009.355, "end": 1009.675, "confidence": 0.993693, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.57516795 }, { "word": "if", "start": 1009.675, "end": 1009.835, "confidence": 0.80173457, "punctuated_word": "If", "speaker": 1, "speaker_confidence": 0.40058023 }, { "word": "if", "start": 1009.835, "end": 1009.915, "confidence": 0.8603112, "punctuated_word": "if", "speaker": 1, "speaker_confidence": 0.40058023 }, { "word": "it", "start": 1009.915, "end": 1010.075, "confidence": 0.9983552, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.40058023 }, { "word": "happened", "start": 1010.075, "end": 1010.395, "confidence": 0.9981945, "punctuated_word": "happened", "speaker": 1, "speaker_confidence": 0.40058023 }, { "word": "at", "start": 1010.395, "end": 1010.555, "confidence": 0.9751637, "punctuated_word": "at", "speaker": 1, "speaker_confidence": 0.40058023 }, { "word": "yodlee", "start": 1010.555, "end": 1010.875, "confidence": 0.9993555, "punctuated_word": "Yodlee", "speaker": 1, "speaker_confidence": 0.40058023 }, { "word": "sure", "start": 1010.955, "end": 1011.275, "confidence": 0.9071145, "punctuated_word": "Sure.", "speaker": 1, "speaker_confidence": 0.40058023 }, { "word": "that's", "start": 1011.59503, "end": 1011.915, "confidence": 0.99935496, "punctuated_word": "That's", "speaker": 1, "speaker_confidence": 0.55475706 }, { "word": "one", "start": 1011.915, "end": 1012.155, "confidence": 0.9992644, "punctuated_word": "one", "speaker": 1, "speaker_confidence": 0.55475706 }, { "word": "scenario", "start": 1012.155, "end": 1012.555, "confidence": 0.9985403, "punctuated_word": "scenario.", "speaker": 1, "speaker_confidence": 0.55475706 }, { "word": "if", "start": 1012.555, "end": 1012.635, "confidence": 0.99869365, "punctuated_word": "If", "speaker": 1, "speaker_confidence": 0.55475706 }, { "word": "it", "start": 1012.635, "end": 1012.715, "confidence": 0.99620616, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.55475706 }, { "word": "happened", "start": 1012.715, "end": 1013.03503, "confidence": 0.9927557, "punctuated_word": "happened", "speaker": 1, "speaker_confidence": 0.55475706 }, { "word": "at", "start": 1013.03503, "end": 1013.115, "confidence": 0.99516714, "punctuated_word": "at", "speaker": 1, "speaker_confidence": 0.55475706 }, { "word": "the", "start": 1013.115, "end": 1013.195, "confidence": 0.99819213, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.4369989 }, { "word": "bank", "start": 1013.195, "end": 1013.355, "confidence": 0.9972496, "punctuated_word": "bank,", "speaker": 1, "speaker_confidence": 0.4369989 }, { "word": "that's", "start": 1013.355, "end": 1013.515, "confidence": 0.9979969, "punctuated_word": "that's", "speaker": 1, "speaker_confidence": 0.4369989 }, { "word": "another", "start": 1013.515, "end": 1013.755, "confidence": 0.99816245, "punctuated_word": "another", "speaker": 1, "speaker_confidence": 0.4369989 }, { "word": "scenario", "start": 1013.755, "end": 1013.995, "confidence": 0.9954085, "punctuated_word": "scenario.", "speaker": 1, "speaker_confidence": 0.4369989 }, { "word": "if", "start": 1013.995, "end": 1014.10254, "confidence": 0.9487226, "punctuated_word": "If", "speaker": 1, "speaker_confidence": 0.4369989 }, { "word": "it", "start": 1014.10254, "end": 1014.21, "confidence": 0.53289545, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.4369989 }, { "word": "happened", "start": 1014.21, "end": 1014.37, "confidence": 0.9568314, "punctuated_word": "happened", "speaker": 1, "speaker_confidence": 0.4369989 }, { "word": "to", "start": 1014.37, "end": 1014.45, "confidence": 0.5002293, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "third", "start": 1014.45, "end": 1014.85, "confidence": 0.39897513, "punctuated_word": "third", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "party", "start": 1014.85, "end": 1015.25, "confidence": 0.98682404, "punctuated_word": "party,", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "personal", "start": 1015.25, "end": 1015.65, "confidence": 0.9067692, "punctuated_word": "personal", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "capital", "start": 1015.65, "end": 1015.89, "confidence": 0.98967886, "punctuated_word": "capital,", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "that's", "start": 1015.89, "end": 1016.13, "confidence": 0.99980354, "punctuated_word": "that's", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "a", "start": 1016.13, "end": 1016.29004, "confidence": 0.87646115, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "third", "start": 1016.29004, "end": 1016.53, "confidence": 0.99993646, "punctuated_word": "third", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "scenario", "start": 1016.53, "end": 1017.03, "confidence": 0.9983913, "punctuated_word": "scenario.", "speaker": 1, "speaker_confidence": 0.6578586 } ], "speaker": 1, "id": "5740add3-ee05-41e7-b81a-6736572c6794" }, { "start": 1017.41003, "end": 1025.35, "confidence": 0.95375305, "channel": 0, "transcript": "But because we're a little bit different, right, I went going back to the idea that three quarters of our data comes through direct fees and contractual relationships with with banks,", "words": [ { "word": "but", "start": 1017.41003, "end": 1017.73004, "confidence": 0.9993418, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "because", "start": 1017.73004, "end": 1018.13, "confidence": 0.9973611, "punctuated_word": "because", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "we're", "start": 1018.13, "end": 1018.37, "confidence": 0.99984014, "punctuated_word": "we're", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "a", "start": 1018.37, "end": 1018.45, "confidence": 0.9995369, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.6578586 }, { "word": "little", "start": 1018.45, "end": 1018.61005, "confidence": 0.99999094, "punctuated_word": "little", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "bit", "start": 1018.61005, "end": 1018.77, "confidence": 0.9995565, "punctuated_word": "bit", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "different", "start": 1018.77, "end": 1019.09, "confidence": 0.8625535, "punctuated_word": "different,", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "right", "start": 1019.09, "end": 1019.25, "confidence": 0.99333125, "punctuated_word": "right,", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "i", "start": 1019.25, "end": 1019.41003, "confidence": 0.9708436, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "went", "start": 1019.41003, "end": 1019.53, "confidence": 0.47310123, "punctuated_word": "went", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "going", "start": 1019.65, "end": 1019.89, "confidence": 0.9983714, "punctuated_word": "going", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "back", "start": 1019.89, "end": 1020.05005, "confidence": 0.9997253, "punctuated_word": "back", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "to", "start": 1020.05005, "end": 1020.21, "confidence": 0.9997372, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "the", "start": 1020.21, "end": 1020.37, "confidence": 0.99948764, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "idea", "start": 1020.37, "end": 1020.61005, "confidence": 0.9998846, "punctuated_word": "idea", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "that", "start": 1020.61005, "end": 1020.85004, "confidence": 0.999721, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "three", "start": 1020.85004, "end": 1021.09, "confidence": 0.9994578, "punctuated_word": "three", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "quarters", "start": 1021.09, "end": 1021.49005, "confidence": 0.99926287, "punctuated_word": "quarters", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "of", "start": 1021.49005, "end": 1021.65, "confidence": 0.999899, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "our", "start": 1021.65, "end": 1021.81, "confidence": 0.9997372, "punctuated_word": "our", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "data", "start": 1021.81, "end": 1022.05005, "confidence": 0.9999014, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "comes", "start": 1022.05005, "end": 1022.29004, "confidence": 0.9993524, "punctuated_word": "comes", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "through", "start": 1022.29004, "end": 1022.53, "confidence": 0.9941181, "punctuated_word": "through", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "direct", "start": 1022.53, "end": 1022.85004, "confidence": 0.9996014, "punctuated_word": "direct", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "fees", "start": 1022.85004, "end": 1023.17004, "confidence": 0.83125556, "punctuated_word": "fees", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "and", "start": 1023.17004, "end": 1023.41003, "confidence": 0.99673694, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "contractual", "start": 1023.41003, "end": 1023.91003, "confidence": 0.99324507, "punctuated_word": "contractual", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "relationships", "start": 1023.97003, "end": 1024.47, "confidence": 0.9566, "punctuated_word": "relationships", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "with", "start": 1024.53, "end": 1024.77, "confidence": 0.99653363, "punctuated_word": "with", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "with", "start": 1024.77, "end": 1024.85, "confidence": 0.6960239, "punctuated_word": "with", "speaker": 1, "speaker_confidence": 0.8387145 }, { "word": "banks", "start": 1024.85, "end": 1025.35, "confidence": 0.81223947, "punctuated_word": "banks,", "speaker": 1, "speaker_confidence": 0.69385743 } ], "speaker": 1, "id": "a6397575-01a7-44ad-a7a9-e0d86ccc1b05" }, { "start": 1025.81, "end": 1031.535, "confidence": 0.9810419, "channel": 0, "transcript": "each of those contracts stipulates the liabilities. Okay. So it's a little bit different for Yieldy than the rest of the players.", "words": [ { "word": "each", "start": 1025.81, "end": 1026.05, "confidence": 0.9970386, "punctuated_word": "each", "speaker": 1, "speaker_confidence": 0.69385743 }, { "word": "of", "start": 1026.05, "end": 1026.13, "confidence": 0.9997601, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.69385743 }, { "word": "those", "start": 1026.13, "end": 1026.4501, "confidence": 0.9997137, "punctuated_word": "those", "speaker": 1, "speaker_confidence": 0.69385743 }, { "word": "contracts", "start": 1026.4501, "end": 1026.9501, "confidence": 0.99964964, "punctuated_word": "contracts", "speaker": 1, "speaker_confidence": 0.69385743 }, { "word": "stipulates", "start": 1027.1951, "end": 1027.6951, "confidence": 0.99844944, "punctuated_word": "stipulates", "speaker": 1, "speaker_confidence": 0.69385743 }, { "word": "the", "start": 1027.755, "end": 1027.995, "confidence": 0.9764038, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.69385743 }, { "word": "liabilities", "start": 1027.995, "end": 1028.495, "confidence": 0.9995182, "punctuated_word": "liabilities.", "speaker": 1, "speaker_confidence": 0.69385743 }, { "word": "okay", "start": 1028.635, "end": 1028.9551, "confidence": 0.99586886, "punctuated_word": "Okay.", "speaker": 2, "speaker_confidence": 0.13966322 }, { "word": "so", "start": 1028.9551, "end": 1029.115, "confidence": 0.9997123, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.58526033 }, { "word": "it's", "start": 1029.115, "end": 1029.275, "confidence": 0.9997796, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.58526033 }, { "word": "a", "start": 1029.275, "end": 1029.435, "confidence": 0.9999373, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.58526033 }, { "word": "little", "start": 1029.435, "end": 1029.5951, "confidence": 0.9999604, "punctuated_word": "little", "speaker": 1, "speaker_confidence": 0.58526033 }, { "word": "bit", "start": 1029.5951, "end": 1029.755, "confidence": 0.9998685, "punctuated_word": "bit", "speaker": 1, "speaker_confidence": 0.58526033 }, { "word": "different", "start": 1029.755, "end": 1029.995, "confidence": 0.9998122, "punctuated_word": "different", "speaker": 1, "speaker_confidence": 0.58526033 }, { "word": "for", "start": 1029.995, "end": 1030.155, "confidence": 0.9984205, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.58526033 }, { "word": "yieldy", "start": 1030.155, "end": 1030.475, "confidence": 0.6823578, "punctuated_word": "Yieldy", "speaker": 1, "speaker_confidence": 0.58526033 }, { "word": "than", "start": 1030.475, "end": 1030.5549, "confidence": 0.94444525, "punctuated_word": "than", "speaker": 1, "speaker_confidence": 0.58526033 }, { "word": "the", "start": 1030.5549, "end": 1030.635, "confidence": 0.9940969, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "rest", "start": 1030.635, "end": 1030.875, "confidence": 0.99986506, "punctuated_word": "rest", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "of", "start": 1030.875, "end": 1030.9551, "confidence": 0.99960726, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "the", "start": 1030.9551, "end": 1031.035, "confidence": 0.99883336, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "players", "start": 1031.035, "end": 1031.535, "confidence": 0.99982464, "punctuated_word": "players.", "speaker": 1, "speaker_confidence": 0.72843397 } ], "speaker": 1, "id": "13385585-abe8-4ef0-99d6-1fca7abcab26" }, { "start": 1032.155, "end": 1040.0951, "confidence": 0.9907172, "channel": 0, "transcript": "The differential for us is that we have those relationships with banks. The majority of other players in the system, or at least most of the other players in the system,", "words": [ { "word": "the", "start": 1032.155, "end": 1032.655, "confidence": 0.99978703, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "differential", "start": 1032.795, "end": 1033.275, "confidence": 0.9994294, "punctuated_word": "differential", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "for", "start": 1033.275, "end": 1033.515, "confidence": 0.9979728, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "us", "start": 1033.515, "end": 1033.755, "confidence": 0.9999205, "punctuated_word": "us", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "is", "start": 1033.755, "end": 1033.915, "confidence": 0.9999529, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "that", "start": 1033.915, "end": 1034.155, "confidence": 0.99985135, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "we", "start": 1034.155, "end": 1034.3151, "confidence": 0.9998932, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "have", "start": 1034.3151, "end": 1034.475, "confidence": 0.9999492, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "those", "start": 1034.475, "end": 1034.7151, "confidence": 0.9999268, "punctuated_word": "those", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "relationships", "start": 1034.7151, "end": 1035.1951, "confidence": 0.9996551, "punctuated_word": "relationships", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "with", "start": 1035.1951, "end": 1035.355, "confidence": 0.9999409, "punctuated_word": "with", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "banks", "start": 1035.355, "end": 1035.855, "confidence": 0.9908043, "punctuated_word": "banks.", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "the", "start": 1036.0751, "end": 1036.235, "confidence": 0.99949634, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "majority", "start": 1036.235, "end": 1036.635, "confidence": 0.99999034, "punctuated_word": "majority", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "of", "start": 1036.635, "end": 1036.795, "confidence": 0.99996495, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "other", "start": 1036.795, "end": 1037.035, "confidence": 0.999711, "punctuated_word": "other", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "players", "start": 1037.035, "end": 1037.355, "confidence": 0.999879, "punctuated_word": "players", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "in", "start": 1037.355, "end": 1037.435, "confidence": 0.9998472, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "the", "start": 1037.435, "end": 1037.5951, "confidence": 0.99252456, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "system", "start": 1037.5951, "end": 1037.995, "confidence": 0.81963503, "punctuated_word": "system,", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "or", "start": 1037.995, "end": 1038.155, "confidence": 0.9957503, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.72843397 }, { "word": "at", "start": 1038.155, "end": 1038.3151, "confidence": 0.9751813, "punctuated_word": "at", "speaker": 1, "speaker_confidence": 0.51661164 }, { "word": "least", "start": 1038.3151, "end": 1038.475, "confidence": 0.9999652, "punctuated_word": "least", "speaker": 1, "speaker_confidence": 0.51661164 }, { "word": "most", "start": 1038.475, "end": 1038.7151, "confidence": 0.9602422, "punctuated_word": "most", "speaker": 1, "speaker_confidence": 0.51661164 }, { "word": "of", "start": 1038.7151, "end": 1038.795, "confidence": 0.99872094, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.51661164 }, { "word": "the", "start": 1038.795, "end": 1038.9551, "confidence": 0.99963915, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.51661164 }, { "word": "other", "start": 1038.9551, "end": 1039.035, "confidence": 0.9992914, "punctuated_word": "other", "speaker": 1, "speaker_confidence": 0.51661164 }, { "word": "players", "start": 1039.035, "end": 1039.355, "confidence": 0.9998492, "punctuated_word": "players", "speaker": 1, "speaker_confidence": 0.51661164 }, { "word": "in", "start": 1039.355, "end": 1039.515, "confidence": 0.9990533, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.51661164 }, { "word": "the", "start": 1039.515, "end": 1039.5951, "confidence": 0.9971789, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.51661164 }, { "word": "system", "start": 1039.5951, "end": 1040.0951, "confidence": 0.9892255, "punctuated_word": "system,", "speaker": 1, "speaker_confidence": 0.51661164 } ], "speaker": 1, "id": "3562824a-216c-4b94-abdd-0ea4820e1003" }, { "start": 1040.98, "end": 1059.135, "confidence": 0.9699681, "channel": 0, "transcript": "go through screenless data capture. So it's less collaborative with the banks, and it's more you give us your username and password. We will log in as you to your account. We will capture it, and we will spit it out. It's not less safe. It's a different form of doing it. But because we have the contractual arrangements, the liability provisions are clearly spelled out in each scenario. Okay.", "words": [ { "word": "go", "start": 1040.98, "end": 1041.2999, "confidence": 0.51209813, "punctuated_word": "go", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "through", "start": 1041.2999, "end": 1041.62, "confidence": 0.9999273, "punctuated_word": "through", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "screenless", "start": 1041.62, "end": 1042.02, "confidence": 0.7105492, "punctuated_word": "screenless", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "data", "start": 1042.02, "end": 1042.34, "confidence": 0.99869615, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "capture", "start": 1042.34, "end": 1042.84, "confidence": 0.99629116, "punctuated_word": "capture.", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "so", "start": 1042.9, "end": 1043.0599, "confidence": 0.9996226, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "it's", "start": 1043.0599, "end": 1043.5599, "confidence": 0.9998511, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "less", "start": 1043.7799, "end": 1044.1, "confidence": 0.9999306, "punctuated_word": "less", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "collaborative", "start": 1044.1, "end": 1044.58, "confidence": 0.99988747, "punctuated_word": "collaborative", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "with", "start": 1044.58, "end": 1044.6599, "confidence": 0.9998764, "punctuated_word": "with", "speaker": 1, "speaker_confidence": 0.7303206 }, { "word": "the", "start": 1044.6599, "end": 1044.74, "confidence": 0.99915075, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "banks", "start": 1044.74, "end": 1044.98, "confidence": 0.83561766, "punctuated_word": "banks,", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "and", "start": 1044.98, "end": 1045.14, "confidence": 0.9974598, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "it's", "start": 1045.14, "end": 1045.2999, "confidence": 0.99605715, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "more", "start": 1045.2999, "end": 1045.46, "confidence": 0.9985667, "punctuated_word": "more", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "you", "start": 1045.46, "end": 1045.5399, "confidence": 0.73950183, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "give", "start": 1045.5399, "end": 1045.7799, "confidence": 0.9995523, "punctuated_word": "give", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "us", "start": 1045.7799, "end": 1045.94, "confidence": 0.9997657, "punctuated_word": "us", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "your", "start": 1045.94, "end": 1046.1, "confidence": 0.99217767, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "username", "start": 1046.1, "end": 1046.4199, "confidence": 0.9807999, "punctuated_word": "username", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "and", "start": 1046.4199, "end": 1046.5, "confidence": 0.9987698, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "password", "start": 1046.5, "end": 1046.9, "confidence": 0.88119674, "punctuated_word": "password.", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "we", "start": 1046.9, "end": 1047.0599, "confidence": 0.99939704, "punctuated_word": "We", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "will", "start": 1047.0599, "end": 1047.22, "confidence": 0.9999093, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "log", "start": 1047.22, "end": 1047.38, "confidence": 0.96505, "punctuated_word": "log", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "in", "start": 1047.38, "end": 1047.5399, "confidence": 0.9984016, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "as", "start": 1047.5399, "end": 1047.7, "confidence": 0.99666107, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "you", "start": 1047.7, "end": 1047.86, "confidence": 0.93095535, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "to", "start": 1047.86, "end": 1047.94, "confidence": 0.84209937, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "your", "start": 1047.94, "end": 1048.1, "confidence": 0.9997472, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "account", "start": 1048.1, "end": 1048.5, "confidence": 0.9551426, "punctuated_word": "account.", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "we", "start": 1048.5, "end": 1048.58, "confidence": 0.9994992, "punctuated_word": "We", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "will", "start": 1048.58, "end": 1048.82, "confidence": 0.9999076, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "capture", "start": 1048.82, "end": 1049.0599, "confidence": 0.9997639, "punctuated_word": "capture", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "it", "start": 1049.0599, "end": 1049.14, "confidence": 0.9350226, "punctuated_word": "it,", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "and", "start": 1049.14, "end": 1049.2999, "confidence": 0.9994518, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "we", "start": 1049.2999, "end": 1049.46, "confidence": 0.9994679, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "will", "start": 1049.46, "end": 1049.86, "confidence": 0.99961495, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "spit", "start": 1049.86, "end": 1050.1, "confidence": 0.9915553, "punctuated_word": "spit", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "it", "start": 1050.1, "end": 1050.26, "confidence": 0.99944633, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "out", "start": 1050.26, "end": 1050.76, "confidence": 0.9995779, "punctuated_word": "out.", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "it's", "start": 1050.98, "end": 1051.22, "confidence": 0.99953204, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "not", "start": 1051.22, "end": 1051.7, "confidence": 0.9990181, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "less", "start": 1051.7, "end": 1052.02, "confidence": 0.99868125, "punctuated_word": "less", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "safe", "start": 1052.02, "end": 1052.34, "confidence": 0.9923177, "punctuated_word": "safe.", "speaker": 1, "speaker_confidence": 0.8244587 }, { "word": "it's", "start": 1052.34, "end": 1052.475, "confidence": 0.9803226, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.34490746 }, { "word": "a", "start": 1052.635, "end": 1052.715, "confidence": 0.9995752, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.34490746 }, { "word": "different", "start": 1052.715, "end": 1052.875, "confidence": 0.99997795, "punctuated_word": "different", "speaker": 1, "speaker_confidence": 0.34490746 }, { "word": "form", "start": 1052.875, "end": 1053.115, "confidence": 0.99894863, "punctuated_word": "form", "speaker": 1, "speaker_confidence": 0.34490746 }, { "word": "of", "start": 1053.115, "end": 1053.195, "confidence": 0.9996774, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.34490746 }, { "word": "doing", "start": 1053.195, "end": 1053.4349, "confidence": 0.99992275, "punctuated_word": "doing", "speaker": 1, "speaker_confidence": 0.34490746 }, { "word": "it", "start": 1053.4349, "end": 1053.6749, "confidence": 0.88247323, "punctuated_word": "it.", "speaker": 1, "speaker_confidence": 0.34490746 }, { "word": "but", "start": 1053.6749, "end": 1053.835, "confidence": 0.9996767, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "because", "start": 1053.835, "end": 1054.155, "confidence": 0.9978556, "punctuated_word": "because", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "we", "start": 1054.155, "end": 1054.235, "confidence": 0.99982184, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "have", "start": 1054.235, "end": 1054.395, "confidence": 0.9999068, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "the", "start": 1054.395, "end": 1054.5549, "confidence": 0.9984328, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "contractual", "start": 1054.5549, "end": 1055.035, "confidence": 0.99979347, "punctuated_word": "contractual", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "arrangements", "start": 1055.035, "end": 1055.515, "confidence": 0.9828265, "punctuated_word": "arrangements,", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "the", "start": 1055.515, "end": 1055.6749, "confidence": 0.8262467, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "liability", "start": 1055.6749, "end": 1056.075, "confidence": 0.99972016, "punctuated_word": "liability", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "provisions", "start": 1056.075, "end": 1056.475, "confidence": 0.9993919, "punctuated_word": "provisions", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "are", "start": 1056.475, "end": 1056.635, "confidence": 0.9998292, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "clearly", "start": 1056.635, "end": 1057.035, "confidence": 0.99968565, "punctuated_word": "clearly", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "spelled", "start": 1057.035, "end": 1057.355, "confidence": 0.99973494, "punctuated_word": "spelled", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "out", "start": 1057.355, "end": 1057.595, "confidence": 0.99971, "punctuated_word": "out", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "in", "start": 1057.595, "end": 1057.755, "confidence": 0.99976665, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "each", "start": 1057.755, "end": 1057.995, "confidence": 0.99996376, "punctuated_word": "each", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "scenario", "start": 1057.995, "end": 1058.495, "confidence": 0.9998213, "punctuated_word": "scenario.", "speaker": 1, "speaker_confidence": 0.7230315 }, { "word": "okay", "start": 1058.635, "end": 1059.135, "confidence": 0.9991182, "punctuated_word": "Okay.", "speaker": 2, "speaker_confidence": 0.624193 } ], "speaker": 1, "id": "f83df071-e44b-40db-85b2-66224db68e9e" }, { "start": 1059.515, "end": 1067.98, "confidence": 0.9751067, "channel": 0, "transcript": "So before we start recording, we're talking a bit about travel, and you were saying that you are a road warrior when it comes to work and do business in The US, EU, and I believe other places.", "words": [ { "word": "so", "start": 1059.515, "end": 1059.755, "confidence": 0.99776125, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.624193 }, { "word": "before", "start": 1059.755, "end": 1059.995, "confidence": 0.9990409, "punctuated_word": "before", "speaker": 2, "speaker_confidence": 0.624193 }, { "word": "we", "start": 1059.995, "end": 1060.155, "confidence": 0.9998765, "punctuated_word": "we", "speaker": 2, "speaker_confidence": 0.624193 }, { "word": "start", "start": 1060.155, "end": 1060.395, "confidence": 0.77119637, "punctuated_word": "start", "speaker": 2, "speaker_confidence": 0.624193 }, { "word": "recording", "start": 1060.395, "end": 1060.715, "confidence": 0.99396, "punctuated_word": "recording,", "speaker": 2, "speaker_confidence": 0.624193 }, { "word": "we're", "start": 1060.715, "end": 1060.875, "confidence": 0.957805, "punctuated_word": "we're", "speaker": 2, "speaker_confidence": 0.624193 }, { "word": "talking", "start": 1060.875, "end": 1060.995, "confidence": 0.9982502, "punctuated_word": "talking", "speaker": 2, "speaker_confidence": 0.624193 }, { "word": "a", "start": 1060.995, "end": 1061.115, "confidence": 0.97652847, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.45751852 }, { "word": "bit", "start": 1061.115, "end": 1061.275, "confidence": 0.9987675, "punctuated_word": "bit", "speaker": 2, "speaker_confidence": 0.45751852 }, { "word": "about", "start": 1061.275, "end": 1061.595, "confidence": 0.9996623, "punctuated_word": "about", "speaker": 2, "speaker_confidence": 0.45751852 }, { "word": "travel", "start": 1061.595, "end": 1061.835, "confidence": 0.863521, "punctuated_word": "travel,", "speaker": 2, "speaker_confidence": 0.45751852 }, { "word": "and", "start": 1061.835, "end": 1061.995, "confidence": 0.999501, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.45751852 }, { "word": "you", "start": 1061.995, "end": 1062.155, "confidence": 0.99983513, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.45751852 }, { "word": "were", "start": 1062.155, "end": 1062.315, "confidence": 0.9982888, "punctuated_word": "were", "speaker": 2, "speaker_confidence": 0.45751852 }, { "word": "saying", "start": 1062.315, "end": 1062.475, "confidence": 0.9996928, "punctuated_word": "saying", "speaker": 2, "speaker_confidence": 0.5271872 }, { "word": "that", "start": 1062.475, "end": 1062.635, "confidence": 0.99897987, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.5271872 }, { "word": "you", "start": 1062.635, "end": 1062.7949, "confidence": 0.99963486, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.5271872 }, { "word": "are", "start": 1062.7949, "end": 1062.955, "confidence": 0.9990171, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.5271872 }, { "word": "a", "start": 1062.955, "end": 1063.115, "confidence": 0.99507856, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.5271872 }, { "word": "road", "start": 1063.115, "end": 1063.355, "confidence": 0.9974486, "punctuated_word": "road", "speaker": 2, "speaker_confidence": 0.5271872 }, { "word": "warrior", "start": 1063.355, "end": 1063.835, "confidence": 0.99941754, "punctuated_word": "warrior", "speaker": 2, "speaker_confidence": 0.5271872 }, { "word": "when", "start": 1063.835, "end": 1063.995, "confidence": 0.99604696, "punctuated_word": "when", "speaker": 2, "speaker_confidence": 0.5271872 }, { "word": "it", "start": 1063.995, "end": 1064.075, "confidence": 0.9983734, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.5374441 }, { "word": "comes", "start": 1064.075, "end": 1064.315, "confidence": 0.9987295, "punctuated_word": "comes", "speaker": 2, "speaker_confidence": 0.5374441 }, { "word": "to", "start": 1064.315, "end": 1064.395, "confidence": 0.97847086, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.5374441 }, { "word": "work", "start": 1064.395, "end": 1064.76, "confidence": 0.9924729, "punctuated_word": "work", "speaker": 2, "speaker_confidence": 0.5374441 }, { "word": "and", "start": 1064.76, "end": 1064.84, "confidence": 0.99755424, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.5374441 }, { "word": "do", "start": 1064.84, "end": 1064.92, "confidence": 0.9993711, "punctuated_word": "do", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "business", "start": 1064.92, "end": 1065.42, "confidence": 0.9999304, "punctuated_word": "business", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "in", "start": 1065.56, "end": 1065.72, "confidence": 0.9985832, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "the", "start": 1065.72, "end": 1065.96, "confidence": 0.9984719, "punctuated_word": "The", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "us", "start": 1065.96, "end": 1066.36, "confidence": 0.9987901, "punctuated_word": "US,", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "eu", "start": 1066.36, "end": 1066.68, "confidence": 0.984122, "punctuated_word": "EU,", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "and", "start": 1066.68, "end": 1066.84, "confidence": 0.9998233, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "i", "start": 1066.84, "end": 1066.92, "confidence": 0.629867, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "believe", "start": 1066.92, "end": 1067.24, "confidence": 0.9999609, "punctuated_word": "believe", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "other", "start": 1067.24, "end": 1067.48, "confidence": 0.948705, "punctuated_word": "other", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "places", "start": 1067.48, "end": 1067.98, "confidence": 0.9915117, "punctuated_word": "places.", "speaker": 2, "speaker_confidence": 0.9304205 } ], "speaker": 2, "id": "a33be679-c7f8-4bf8-b4ef-6bf7a5cacba3" }, { "start": 1068.76, "end": 1075.4, "confidence": 0.994537, "channel": 0, "transcript": "But let's focus on the The US and The EU. What's kind of the difference in how you have to operate in the two different,", "words": [ { "word": "but", "start": 1068.76, "end": 1069.0, "confidence": 0.9949529, "punctuated_word": "But", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "let's", "start": 1069.0, "end": 1069.16, "confidence": 0.9992709, "punctuated_word": "let's", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "focus", "start": 1069.16, "end": 1069.48, "confidence": 0.9997819, "punctuated_word": "focus", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "on", "start": 1069.48, "end": 1069.64, "confidence": 0.99940944, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "the", "start": 1069.64, "end": 1069.88, "confidence": 0.9996488, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "the", "start": 1069.88, "end": 1070.12, "confidence": 0.9821654, "punctuated_word": "The", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "us", "start": 1070.12, "end": 1070.36, "confidence": 0.9996983, "punctuated_word": "US", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "and", "start": 1070.36, "end": 1070.52, "confidence": 0.99810815, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "the", "start": 1070.52, "end": 1070.76, "confidence": 0.9932024, "punctuated_word": "The", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "eu", "start": 1070.76, "end": 1071.26, "confidence": 0.99733794, "punctuated_word": "EU.", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "what's", "start": 1071.48, "end": 1071.88, "confidence": 0.99911296, "punctuated_word": "What's", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "kind", "start": 1071.88, "end": 1072.04, "confidence": 0.9602987, "punctuated_word": "kind", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "of", "start": 1072.04, "end": 1072.2, "confidence": 0.9990829, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "the", "start": 1072.2, "end": 1072.36, "confidence": 0.9953733, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "difference", "start": 1072.36, "end": 1072.76, "confidence": 0.9994319, "punctuated_word": "difference", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "in", "start": 1072.76, "end": 1073.0, "confidence": 0.9822842, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "how", "start": 1073.0, "end": 1073.3201, "confidence": 0.99970764, "punctuated_word": "how", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "you", "start": 1073.3201, "end": 1073.56, "confidence": 0.99949527, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "have", "start": 1073.56, "end": 1073.8, "confidence": 0.9990069, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "to", "start": 1073.8, "end": 1073.96, "confidence": 0.99810386, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "operate", "start": 1073.96, "end": 1074.28, "confidence": 0.9996463, "punctuated_word": "operate", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "in", "start": 1074.28, "end": 1074.6, "confidence": 0.99773943, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "the", "start": 1074.6, "end": 1074.68, "confidence": 0.99499303, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "two", "start": 1074.68, "end": 1074.92, "confidence": 0.9988955, "punctuated_word": "two", "speaker": 2, "speaker_confidence": 0.9304205 }, { "word": "different", "start": 1074.92, "end": 1075.4, "confidence": 0.97667503, "punctuated_word": "different,", "speaker": 2, "speaker_confidence": 0.9304205 } ], "speaker": 2, "id": "1921c2ac-fbd9-48fc-856a-44aefd16889c" }, { "start": 1076.04, "end": 1078.5651, "confidence": 0.9782028, "channel": 0, "transcript": "two different places? Because they obviously have very different,", "words": [ { "word": "two", "start": 1076.04, "end": 1076.12, "confidence": 0.99665785, "punctuated_word": "two", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "different", "start": 1076.12, "end": 1076.4401, "confidence": 0.9990675, "punctuated_word": "different", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "places", "start": 1076.4401, "end": 1076.84, "confidence": 0.85168266, "punctuated_word": "places?", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "because", "start": 1076.84, "end": 1077.045, "confidence": 0.98990786, "punctuated_word": "Because", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "they", "start": 1077.125, "end": 1077.285, "confidence": 0.9973037, "punctuated_word": "they", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "obviously", "start": 1077.285, "end": 1077.525, "confidence": 0.9917802, "punctuated_word": "obviously", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "have", "start": 1077.525, "end": 1077.765, "confidence": 0.99912137, "punctuated_word": "have", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "very", "start": 1077.765, "end": 1078.0851, "confidence": 0.99969435, "punctuated_word": "very", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "different", "start": 1078.0851, "end": 1078.5651, "confidence": 0.9786104, "punctuated_word": "different,", "speaker": 2, "speaker_confidence": 0.8391649 } ], "speaker": 2, "id": "d4baae0c-8443-4cdd-9271-7589cf2f1963" }, { "start": 1078.9651, "end": 1092.12, "confidence": 0.9640193, "channel": 0, "transcript": "rules, regulations, policies around privacy. Yeah. So this this is a fascinating area. Right? And it was one that was really eye opening for me having come from the traditional bank world and done a little bit of work in the EU to now being really, really deeply involved in what's", "words": [ { "word": "rules", "start": 1078.9651, "end": 1079.4451, "confidence": 0.9977928, "punctuated_word": "rules,", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "regulations", "start": 1079.4451, "end": 1079.9451, "confidence": 0.9924006, "punctuated_word": "regulations,", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "policies", "start": 1080.005, "end": 1080.485, "confidence": 0.99846953, "punctuated_word": "policies", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "around", "start": 1080.485, "end": 1080.805, "confidence": 0.99208707, "punctuated_word": "around", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "privacy", "start": 1080.805, "end": 1081.305, "confidence": 0.96302557, "punctuated_word": "privacy.", "speaker": 2, "speaker_confidence": 0.8391649 }, { "word": "yeah", "start": 1081.4451, "end": 1081.685, "confidence": 0.9963187, "punctuated_word": "Yeah.", "speaker": 1, "speaker_confidence": 0.30391818 }, { "word": "so", "start": 1081.685, "end": 1081.8451, "confidence": 0.9992951, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.30391818 }, { "word": "this", "start": 1081.8451, "end": 1082.165, "confidence": 0.99984455, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.30391818 }, { "word": "this", "start": 1082.165, "end": 1082.3251, "confidence": 0.52908766, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.30391818 }, { "word": "is", "start": 1082.3251, "end": 1082.485, "confidence": 0.9982235, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.30391818 }, { "word": "a", "start": 1082.485, "end": 1082.645, "confidence": 0.99635977, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "fascinating", "start": 1082.645, "end": 1083.145, "confidence": 0.99986506, "punctuated_word": "fascinating", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "area", "start": 1083.2051, "end": 1083.525, "confidence": 0.9892223, "punctuated_word": "area.", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "right", "start": 1083.525, "end": 1083.685, "confidence": 0.9984926, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "and", "start": 1083.685, "end": 1083.8451, "confidence": 0.9995728, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "it", "start": 1083.8451, "end": 1084.005, "confidence": 0.9995702, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "was", "start": 1084.005, "end": 1084.245, "confidence": 0.99958915, "punctuated_word": "was", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "one", "start": 1084.245, "end": 1084.405, "confidence": 0.9996872, "punctuated_word": "one", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "that", "start": 1084.405, "end": 1084.5651, "confidence": 0.9997743, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "was", "start": 1084.5651, "end": 1084.645, "confidence": 0.99979097, "punctuated_word": "was", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "really", "start": 1084.645, "end": 1084.885, "confidence": 0.9993475, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "eye", "start": 1084.885, "end": 1085.045, "confidence": 0.99971336, "punctuated_word": "eye", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "opening", "start": 1085.045, "end": 1085.4451, "confidence": 0.96301943, "punctuated_word": "opening", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "for", "start": 1085.4451, "end": 1085.6051, "confidence": 0.9992071, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "me", "start": 1085.6051, "end": 1086.005, "confidence": 0.99984217, "punctuated_word": "me", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "having", "start": 1086.005, "end": 1086.3251, "confidence": 0.5493752, "punctuated_word": "having", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "come", "start": 1086.3251, "end": 1086.485, "confidence": 0.99888235, "punctuated_word": "come", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "from", "start": 1086.485, "end": 1086.645, "confidence": 0.9995184, "punctuated_word": "from", "speaker": 1, "speaker_confidence": 0.67716044 }, { "word": "the", "start": 1086.645, "end": 1086.805, "confidence": 0.97706336, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.3481791 }, { "word": "traditional", "start": 1086.805, "end": 1087.285, "confidence": 0.9999509, "punctuated_word": "traditional", "speaker": 1, "speaker_confidence": 0.3481791 }, { "word": "bank", "start": 1087.285, "end": 1087.4451, "confidence": 0.99937123, "punctuated_word": "bank", "speaker": 1, "speaker_confidence": 0.3481791 }, { "word": "world", "start": 1087.4451, "end": 1087.8451, "confidence": 0.99808455, "punctuated_word": "world", "speaker": 1, "speaker_confidence": 0.3481791 }, { "word": "and", "start": 1087.8451, "end": 1088.0851, "confidence": 0.968456, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.3481791 }, { "word": "done", "start": 1088.0851, "end": 1088.165, "confidence": 0.9738469, "punctuated_word": "done", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "a", "start": 1088.165, "end": 1088.245, "confidence": 0.99870455, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "little", "start": 1088.245, "end": 1088.485, "confidence": 0.99986565, "punctuated_word": "little", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "bit", "start": 1088.485, "end": 1088.5651, "confidence": 0.9990069, "punctuated_word": "bit", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "of", "start": 1088.5651, "end": 1088.7251, "confidence": 0.9984195, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "work", "start": 1088.7251, "end": 1088.885, "confidence": 0.9994382, "punctuated_word": "work", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "in", "start": 1088.885, "end": 1088.9651, "confidence": 0.991687, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "the", "start": 1088.9651, "end": 1089.125, "confidence": 0.9744144, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "eu", "start": 1089.125, "end": 1089.6051, "confidence": 0.9949228, "punctuated_word": "EU", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "to", "start": 1089.6051, "end": 1089.8451, "confidence": 0.98258317, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "now", "start": 1089.8451, "end": 1090.165, "confidence": 0.9963224, "punctuated_word": "now", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "being", "start": 1090.165, "end": 1090.485, "confidence": 0.53622955, "punctuated_word": "being", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "really", "start": 1090.485, "end": 1090.7251, "confidence": 0.9833815, "punctuated_word": "really,", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "really", "start": 1090.7251, "end": 1090.9651, "confidence": 0.9996346, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "deeply", "start": 1090.9651, "end": 1091.365, "confidence": 0.97322726, "punctuated_word": "deeply", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "involved", "start": 1091.365, "end": 1091.685, "confidence": 0.9977557, "punctuated_word": "involved", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "in", "start": 1091.685, "end": 1091.765, "confidence": 0.8745888, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.6293913 }, { "word": "what's", "start": 1091.765, "end": 1092.12, "confidence": 0.9906502, "punctuated_word": "what's", "speaker": 1, "speaker_confidence": 0.6293913 } ], "speaker": 1, "id": "21a50956-6118-4254-8a91-4777b0bb30f3" }, { "start": 1094.04, "end": 1097.82, "confidence": 0.98963284, "channel": 0, "transcript": "happening there. Generally speaking, we in The US are years behind the EU,", "words": [ { "word": "happening", "start": 1094.04, "end": 1094.232, "confidence": 0.9967529, "punctuated_word": "happening", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "there", "start": 1094.232, "end": 1094.4241, "confidence": 0.9970254, "punctuated_word": "there.", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "generally", "start": 1094.616, "end": 1094.808, "confidence": 0.9887841, "punctuated_word": "Generally", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "speaking", "start": 1094.808, "end": 1095.0, "confidence": 0.999652, "punctuated_word": "speaking,", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "we", "start": 1095.0, "end": 1095.192, "confidence": 0.99989665, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "in", "start": 1095.192, "end": 1095.384, "confidence": 0.90482956, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "the", "start": 1095.384, "end": 1095.5759, "confidence": 0.9997664, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "us", "start": 1095.5759, "end": 1095.768, "confidence": 0.99957246, "punctuated_word": "US", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "are", "start": 1095.768, "end": 1095.96, "confidence": 0.9987374, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "years", "start": 1095.96, "end": 1096.44, "confidence": 0.999683, "punctuated_word": "years", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "behind", "start": 1096.44, "end": 1096.94, "confidence": 0.9997732, "punctuated_word": "behind", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "the", "start": 1097.08, "end": 1097.32, "confidence": 0.9920597, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "eu", "start": 1097.32, "end": 1097.82, "confidence": 0.9886938, "punctuated_word": "EU,", "speaker": 1, "speaker_confidence": 0.8985367 } ], "speaker": 1, "id": "2c0d80ec-0b0f-47ee-a2c4-6e3b0fab0035" }, { "start": 1098.12, "end": 1103.5, "confidence": 0.99798816, "channel": 0, "transcript": "in terms of thinking about data and privacy and how consumers can use their data to their advantage.", "words": [ { "word": "in", "start": 1098.12, "end": 1098.28, "confidence": 0.9997677, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "terms", "start": 1098.28, "end": 1098.6, "confidence": 0.99997866, "punctuated_word": "terms", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "of", "start": 1098.6, "end": 1098.92, "confidence": 0.99966717, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "thinking", "start": 1098.92, "end": 1099.24, "confidence": 0.99978584, "punctuated_word": "thinking", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "about", "start": 1099.24, "end": 1099.5599, "confidence": 0.9990809, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "data", "start": 1099.5599, "end": 1099.88, "confidence": 0.9998305, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "and", "start": 1099.88, "end": 1100.12, "confidence": 0.983146, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "privacy", "start": 1100.12, "end": 1100.62, "confidence": 0.9999615, "punctuated_word": "privacy", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "and", "start": 1100.68, "end": 1100.92, "confidence": 0.98575133, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "how", "start": 1100.92, "end": 1101.16, "confidence": 0.9994772, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "consumers", "start": 1101.16, "end": 1101.66, "confidence": 0.99965215, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "can", "start": 1101.8, "end": 1102.04, "confidence": 0.9996629, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "use", "start": 1102.04, "end": 1102.28, "confidence": 0.9997241, "punctuated_word": "use", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "their", "start": 1102.28, "end": 1102.44, "confidence": 0.9996051, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "data", "start": 1102.44, "end": 1102.68, "confidence": 0.9998468, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "to", "start": 1102.68, "end": 1102.76, "confidence": 0.99952304, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "their", "start": 1102.76, "end": 1103.0, "confidence": 0.9997451, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "advantage", "start": 1103.0, "end": 1103.5, "confidence": 0.99958324, "punctuated_word": "advantage.", "speaker": 1, "speaker_confidence": 0.8985367 } ], "speaker": 1, "id": "ca8697d0-640a-470f-8c2c-fca1f91a5979" }, { "start": 1103.88, "end": 1105.58, "confidence": 0.99639755, "channel": 0, "transcript": "In the EU, there are two,", "words": [ { "word": "in", "start": 1103.88, "end": 1104.12, "confidence": 0.99927, "punctuated_word": "In", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "the", "start": 1104.12, "end": 1104.28, "confidence": 0.9972697, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "eu", "start": 1104.28, "end": 1104.6, "confidence": 0.998104, "punctuated_word": "EU,", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "there", "start": 1104.6, "end": 1104.84, "confidence": 0.9987406, "punctuated_word": "there", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "are", "start": 1104.84, "end": 1105.08, "confidence": 0.9980715, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "two", "start": 1105.08, "end": 1105.58, "confidence": 0.98692954, "punctuated_word": "two,", "speaker": 1, "speaker_confidence": 0.8985367 } ], "speaker": 1, "id": "1dd50b7a-bbf3-4555-9834-bf07e16b5086" }, { "start": 1106.2, "end": 1108.545, "confidence": 0.9872763, "channel": 0, "transcript": "regulations that I would point out as really important.", "words": [ { "word": "regulations", "start": 1106.2, "end": 1106.68, "confidence": 0.99438936, "punctuated_word": "regulations", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "that", "start": 1106.68, "end": 1106.925, "confidence": 0.9649778, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "i", "start": 1106.925, "end": 1107.005, "confidence": 0.9975426, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.8985367 }, { "word": "would", "start": 1107.005, "end": 1107.0851, "confidence": 0.99916077, "punctuated_word": "would", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "point", "start": 1107.0851, "end": 1107.3251, "confidence": 0.99950075, "punctuated_word": "point", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "out", "start": 1107.3251, "end": 1107.405, "confidence": 0.99777067, "punctuated_word": "out", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "as", "start": 1107.405, "end": 1107.805, "confidence": 0.93344814, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "really", "start": 1107.805, "end": 1108.045, "confidence": 0.9989458, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "important", "start": 1108.045, "end": 1108.545, "confidence": 0.99975026, "punctuated_word": "important.", "speaker": 1, "speaker_confidence": 0.8850808 } ], "speaker": 1, "id": "a099b7bf-75ee-4346-9751-6972cf2126e6" }, { "start": 1108.925, "end": 1111.905, "confidence": 0.98162717, "channel": 0, "transcript": "One is the second payment services directive, PSD two,", "words": [ { "word": "one", "start": 1108.925, "end": 1109.165, "confidence": 0.9993656, "punctuated_word": "One", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "is", "start": 1109.165, "end": 1109.3251, "confidence": 0.9972644, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "the", "start": 1109.3251, "end": 1109.405, "confidence": 0.9250361, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "second", "start": 1109.405, "end": 1109.645, "confidence": 0.98540777, "punctuated_word": "second", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "payment", "start": 1109.645, "end": 1110.045, "confidence": 0.9952192, "punctuated_word": "payment", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "services", "start": 1110.045, "end": 1110.4451, "confidence": 0.9993309, "punctuated_word": "services", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "directive", "start": 1110.4451, "end": 1110.925, "confidence": 0.9688453, "punctuated_word": "directive,", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "psd", "start": 1110.925, "end": 1111.405, "confidence": 0.968781, "punctuated_word": "PSD", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "two", "start": 1111.405, "end": 1111.905, "confidence": 0.9953941, "punctuated_word": "two,", "speaker": 1, "speaker_confidence": 0.8850808 } ], "speaker": 1, "id": "b95fe838-ae23-46f1-a9b8-e9d5d4940c35" }, { "start": 1112.2051, "end": 1125.65, "confidence": 0.95987177, "channel": 0, "transcript": "which the European Banking Authority just finalized some of the standards a few weeks ago. And in the next couple of years, we'll go into full effect. The idea here is consumers own their own data. It's not the banks to decide what to do with. It's the consumers to decide what to do with.", "words": [ { "word": "which", "start": 1112.2051, "end": 1112.4451, "confidence": 0.9996798, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "the", "start": 1112.4451, "end": 1112.685, "confidence": 0.9964277, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "european", "start": 1112.685, "end": 1113.005, "confidence": 0.9994289, "punctuated_word": "European", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "banking", "start": 1113.005, "end": 1113.405, "confidence": 0.5647123, "punctuated_word": "Banking", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "authority", "start": 1113.405, "end": 1113.885, "confidence": 0.9957118, "punctuated_word": "Authority", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "just", "start": 1113.885, "end": 1114.2051, "confidence": 0.9987179, "punctuated_word": "just", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "finalized", "start": 1114.2051, "end": 1114.7051, "confidence": 0.99647224, "punctuated_word": "finalized", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "some", "start": 1114.765, "end": 1114.925, "confidence": 0.9947314, "punctuated_word": "some", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "of", "start": 1114.925, "end": 1115.005, "confidence": 0.9997646, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8850808 }, { "word": "the", "start": 1115.005, "end": 1115.0851, "confidence": 0.99873084, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.5359297 }, { "word": "standards", "start": 1115.0851, "end": 1115.4851, "confidence": 0.9957468, "punctuated_word": "standards", "speaker": 1, "speaker_confidence": 0.5359297 }, { "word": "a", "start": 1115.4851, "end": 1115.5651, "confidence": 0.99897826, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.5359297 }, { "word": "few", "start": 1115.5651, "end": 1115.7251, "confidence": 0.9999635, "punctuated_word": "few", "speaker": 1, "speaker_confidence": 0.5359297 }, { "word": "weeks", "start": 1115.7251, "end": 1115.9651, "confidence": 0.9999, "punctuated_word": "weeks", "speaker": 1, "speaker_confidence": 0.5359297 }, { "word": "ago", "start": 1115.9651, "end": 1116.4651, "confidence": 0.812309, "punctuated_word": "ago.", "speaker": 1, "speaker_confidence": 0.5359297 }, { "word": "and", "start": 1116.6051, "end": 1116.8451, "confidence": 0.99376935, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.5359297 }, { "word": "in", "start": 1116.8451, "end": 1116.925, "confidence": 0.5200811, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.5359297 }, { "word": "the", "start": 1116.925, "end": 1117.005, "confidence": 0.9993542, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.5359297 }, { "word": "next", "start": 1117.005, "end": 1117.245, "confidence": 0.99983776, "punctuated_word": "next", "speaker": 1, "speaker_confidence": 0.70265234 }, { "word": "couple", "start": 1117.245, "end": 1117.4851, "confidence": 0.999579, "punctuated_word": "couple", "speaker": 1, "speaker_confidence": 0.70265234 }, { "word": "of", "start": 1117.4851, "end": 1117.5651, "confidence": 0.99765956, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.70265234 }, { "word": "years", "start": 1117.5651, "end": 1117.885, "confidence": 0.9560633, "punctuated_word": "years,", "speaker": 1, "speaker_confidence": 0.70265234 }, { "word": "we'll", "start": 1117.885, "end": 1118.045, "confidence": 0.70748377, "punctuated_word": "we'll", "speaker": 1, "speaker_confidence": 0.70265234 }, { "word": "go", "start": 1118.045, "end": 1118.125, "confidence": 0.99885464, "punctuated_word": "go", "speaker": 1, "speaker_confidence": 0.70265234 }, { "word": "into", "start": 1118.125, "end": 1118.365, "confidence": 0.98807794, "punctuated_word": "into", "speaker": 1, "speaker_confidence": 0.70265234 }, { "word": "full", "start": 1118.365, "end": 1118.6051, "confidence": 0.9988618, "punctuated_word": "full", "speaker": 1, "speaker_confidence": 0.70265234 }, { "word": "effect", "start": 1118.6051, "end": 1119.1051, "confidence": 0.9997762, "punctuated_word": "effect.", "speaker": 1, "speaker_confidence": 0.70265234 }, { "word": "the", "start": 1119.165, "end": 1119.3251, "confidence": 0.99933463, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "idea", "start": 1119.3251, "end": 1119.7251, "confidence": 0.99990356, "punctuated_word": "idea", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "here", "start": 1119.7251, "end": 1119.9651, "confidence": 0.99968874, "punctuated_word": "here", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "is", "start": 1119.9651, "end": 1120.35, "confidence": 0.99916244, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "consumers", "start": 1120.51, "end": 1120.83, "confidence": 0.9994758, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "own", "start": 1120.83, "end": 1121.15, "confidence": 0.9988932, "punctuated_word": "own", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "their", "start": 1121.15, "end": 1121.3099, "confidence": 0.99982053, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "own", "start": 1121.3099, "end": 1121.47, "confidence": 0.999931, "punctuated_word": "own", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "data", "start": 1121.47, "end": 1121.95, "confidence": 0.9996611, "punctuated_word": "data.", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "it's", "start": 1121.95, "end": 1122.11, "confidence": 0.9997877, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "not", "start": 1122.11, "end": 1122.35, "confidence": 0.99994874, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "the", "start": 1122.35, "end": 1122.4299, "confidence": 0.9989735, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "banks", "start": 1122.4299, "end": 1122.83, "confidence": 0.99746823, "punctuated_word": "banks", "speaker": 1, "speaker_confidence": 0.79324734 }, { "word": "to", "start": 1122.83, "end": 1122.99, "confidence": 0.8588061, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.2900049 }, { "word": "decide", "start": 1122.99, "end": 1123.3099, "confidence": 0.9994116, "punctuated_word": "decide", "speaker": 1, "speaker_confidence": 0.2900049 }, { "word": "what", "start": 1123.3099, "end": 1123.39, "confidence": 0.99553394, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.2900049 }, { "word": "to", "start": 1123.39, "end": 1123.5499, "confidence": 0.9990632, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.2900049 }, { "word": "do", "start": 1123.5499, "end": 1123.63, "confidence": 0.98923326, "punctuated_word": "do", "speaker": 1, "speaker_confidence": 0.37228042 }, { "word": "with", "start": 1123.63, "end": 1123.7899, "confidence": 0.9488405, "punctuated_word": "with.", "speaker": 1, "speaker_confidence": 0.37228042 }, { "word": "it's", "start": 1123.7899, "end": 1123.95, "confidence": 0.99950695, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.37228042 }, { "word": "the", "start": 1123.95, "end": 1124.19, "confidence": 0.9967757, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.37228042 }, { "word": "consumers", "start": 1124.19, "end": 1124.59, "confidence": 0.9892519, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 0.37228042 }, { "word": "to", "start": 1124.59, "end": 1124.6699, "confidence": 0.5695291, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.37228042 }, { "word": "decide", "start": 1124.6699, "end": 1124.83, "confidence": 0.9986505, "punctuated_word": "decide", "speaker": 1, "speaker_confidence": 0.37228042 }, { "word": "what", "start": 1124.83, "end": 1124.91, "confidence": 0.99706167, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "to", "start": 1124.91, "end": 1125.07, "confidence": 0.9970011, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "do", "start": 1125.07, "end": 1125.15, "confidence": 0.99199766, "punctuated_word": "do", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "with", "start": 1125.15, "end": 1125.65, "confidence": 0.959561, "punctuated_word": "with.", "speaker": 1, "speaker_confidence": 0.8037118 } ], "speaker": 1, "id": "59baa9f2-ffc1-4cf6-a2fd-b80cb888fc39" }, { "start": 1126.11, "end": 1129.09, "confidence": 0.99619657, "channel": 0, "transcript": "And it goes through a really, really descriptive", "words": [ { "word": "and", "start": 1126.11, "end": 1126.61, "confidence": 0.99795914, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "it", "start": 1126.6699, "end": 1126.83, "confidence": 0.9985788, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "goes", "start": 1126.83, "end": 1127.15, "confidence": 0.9993911, "punctuated_word": "goes", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "through", "start": 1127.15, "end": 1127.39, "confidence": 0.9991578, "punctuated_word": "through", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "a", "start": 1127.39, "end": 1127.63, "confidence": 0.99759835, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "really", "start": 1127.63, "end": 1128.03, "confidence": 0.99291146, "punctuated_word": "really,", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "really", "start": 1128.03, "end": 1128.53, "confidence": 0.99973696, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "descriptive", "start": 1128.59, "end": 1129.09, "confidence": 0.98423946, "punctuated_word": "descriptive", "speaker": 1, "speaker_confidence": 0.8037118 } ], "speaker": 1, "id": "a4ad5ade-8a0d-4b35-8c11-d724fe32e74a" }, { "start": 1129.47, "end": 1129.97, "confidence": 0.97320175, "channel": 0, "transcript": "and,", "words": [ { "word": "and", "start": 1129.47, "end": 1129.97, "confidence": 0.97320175, "punctuated_word": "and,", "speaker": 1, "speaker_confidence": 0.8037118 } ], "speaker": 1, "id": "d1f6093e-ca15-4ee4-bcd5-288e9e343c57" }, { "start": 1130.4299, "end": 1130.9299, "confidence": 0.9999235, "channel": 0, "transcript": "prescriptive", "words": [ { "word": "prescriptive", "start": 1130.4299, "end": 1130.9299, "confidence": 0.9999235, "punctuated_word": "prescriptive", "speaker": 1, "speaker_confidence": 0.8037118 } ], "speaker": 1, "id": "6b39c280-d0ce-4497-a871-8f862b0177ac" }, { "start": 1131.5499, "end": 1146.825, "confidence": 0.9452618, "channel": 0, "transcript": "mandate into how banks must make the data available and what the roles and responsibilities in ecosystem are, you know, going back to your question about liability and how the data is collected, all of these things. But at the core is technology is a really important way that consumers can improve their finances,", "words": [ { "word": "mandate", "start": 1131.5499, "end": 1132.0499, "confidence": 0.998689, "punctuated_word": "mandate", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "into", "start": 1132.11, "end": 1132.61, "confidence": 0.9833506, "punctuated_word": "into", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "how", "start": 1132.83, "end": 1133.07, "confidence": 0.9966619, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "banks", "start": 1133.07, "end": 1133.57, "confidence": 0.99742436, "punctuated_word": "banks", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "must", "start": 1133.63, "end": 1133.95, "confidence": 0.9856553, "punctuated_word": "must", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "make", "start": 1133.95, "end": 1134.11, "confidence": 0.97698826, "punctuated_word": "make", "speaker": 1, "speaker_confidence": 0.8037118 }, { "word": "the", "start": 1134.11, "end": 1134.19, "confidence": 0.973278, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "data", "start": 1134.19, "end": 1134.51, "confidence": 0.9853184, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "available", "start": 1134.51, "end": 1134.99, "confidence": 0.9984652, "punctuated_word": "available", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "and", "start": 1134.99, "end": 1135.23, "confidence": 0.88648313, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "what", "start": 1135.23, "end": 1135.3099, "confidence": 0.9577354, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "the", "start": 1135.3099, "end": 1135.47, "confidence": 0.9109146, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "roles", "start": 1135.47, "end": 1135.71, "confidence": 0.91564053, "punctuated_word": "roles", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "and", "start": 1135.71, "end": 1135.87, "confidence": 0.595343, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "responsibilities", "start": 1135.87, "end": 1136.11, "confidence": 0.69082016, "punctuated_word": "responsibilities", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "in", "start": 1136.11, "end": 1136.325, "confidence": 0.36066058, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "ecosystem", "start": 1136.725, "end": 1137.225, "confidence": 0.8542824, "punctuated_word": "ecosystem", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "are", "start": 1137.2849, "end": 1137.605, "confidence": 0.8451295, "punctuated_word": "are,", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "you", "start": 1137.605, "end": 1137.6849, "confidence": 0.68812007, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "know", "start": 1137.6849, "end": 1137.845, "confidence": 0.99399954, "punctuated_word": "know,", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "going", "start": 1137.845, "end": 1138.005, "confidence": 0.9981439, "punctuated_word": "going", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "back", "start": 1138.005, "end": 1138.085, "confidence": 0.99919635, "punctuated_word": "back", "speaker": 1, "speaker_confidence": 0.7263508 }, { "word": "to", "start": 1138.085, "end": 1138.1649, "confidence": 0.9984074, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "your", "start": 1138.1649, "end": 1138.325, "confidence": 0.9995254, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "question", "start": 1138.325, "end": 1138.565, "confidence": 0.9992785, "punctuated_word": "question", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "about", "start": 1138.565, "end": 1138.8049, "confidence": 0.99944764, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "liability", "start": 1138.8049, "end": 1139.2849, "confidence": 0.9995999, "punctuated_word": "liability", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "and", "start": 1139.2849, "end": 1139.445, "confidence": 0.98537004, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "how", "start": 1139.445, "end": 1139.605, "confidence": 0.9998355, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "the", "start": 1139.605, "end": 1139.6849, "confidence": 0.9948155, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "data", "start": 1139.6849, "end": 1139.9249, "confidence": 0.9991473, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "is", "start": 1139.9249, "end": 1140.005, "confidence": 0.9498015, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "collected", "start": 1140.005, "end": 1140.505, "confidence": 0.97036594, "punctuated_word": "collected,", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "all", "start": 1140.8049, "end": 1140.965, "confidence": 0.9995277, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "of", "start": 1140.965, "end": 1141.0449, "confidence": 0.8889303, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "these", "start": 1141.0449, "end": 1141.205, "confidence": 0.99902487, "punctuated_word": "these", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "things", "start": 1141.205, "end": 1141.5249, "confidence": 0.9911234, "punctuated_word": "things.", "speaker": 1, "speaker_confidence": 0.6193528 }, { "word": "but", "start": 1141.5249, "end": 1141.6849, "confidence": 0.9991054, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "at", "start": 1141.6849, "end": 1141.7649, "confidence": 0.985219, "punctuated_word": "at", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "the", "start": 1141.7649, "end": 1141.9249, "confidence": 0.9974087, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "core", "start": 1141.9249, "end": 1142.245, "confidence": 0.9998714, "punctuated_word": "core", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "is", "start": 1142.245, "end": 1142.745, "confidence": 0.96668696, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "technology", "start": 1143.0449, "end": 1143.5449, "confidence": 0.8824854, "punctuated_word": "technology", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "is", "start": 1143.6849, "end": 1143.845, "confidence": 0.99730325, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "a", "start": 1143.845, "end": 1144.005, "confidence": 0.9965586, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "really", "start": 1144.005, "end": 1144.325, "confidence": 0.999331, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "important", "start": 1144.325, "end": 1144.8049, "confidence": 0.99924845, "punctuated_word": "important", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "way", "start": 1144.8049, "end": 1144.965, "confidence": 0.99582374, "punctuated_word": "way", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "that", "start": 1144.965, "end": 1145.125, "confidence": 0.89417213, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "consumers", "start": 1145.125, "end": 1145.605, "confidence": 0.9986136, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "can", "start": 1145.605, "end": 1145.845, "confidence": 0.99736243, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "improve", "start": 1145.845, "end": 1146.1649, "confidence": 0.9993562, "punctuated_word": "improve", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "their", "start": 1146.1649, "end": 1146.325, "confidence": 0.9950428, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "finances", "start": 1146.325, "end": 1146.825, "confidence": 0.97404563, "punctuated_word": "finances,", "speaker": 1, "speaker_confidence": 0.8084098 } ], "speaker": 1, "id": "7780d9c0-b967-4a7b-a38e-e64f6196240b" }, { "start": 1147.125, "end": 1150.66, "confidence": 0.94987917, "channel": 0, "transcript": "and banks should not stand in the way of allowing consumers to do that.", "words": [ { "word": "and", "start": 1147.125, "end": 1147.445, "confidence": 0.97620994, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "banks", "start": 1147.445, "end": 1147.845, "confidence": 0.99341667, "punctuated_word": "banks", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "should", "start": 1147.845, "end": 1148.005, "confidence": 0.92996603, "punctuated_word": "should", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "not", "start": 1148.005, "end": 1148.4, "confidence": 0.92385375, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "stand", "start": 1148.4, "end": 1148.52, "confidence": 0.48842958, "punctuated_word": "stand", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "in", "start": 1148.52, "end": 1148.64, "confidence": 0.99450207, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8084098 }, { "word": "the", "start": 1148.64, "end": 1148.72, "confidence": 0.9954137, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "way", "start": 1148.72, "end": 1148.88, "confidence": 0.9998281, "punctuated_word": "way", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "of", "start": 1148.88, "end": 1148.9601, "confidence": 0.99893695, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "allowing", "start": 1148.9601, "end": 1149.4601, "confidence": 0.9995228, "punctuated_word": "allowing", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "consumers", "start": 1149.52, "end": 1149.92, "confidence": 0.99930954, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "to", "start": 1149.92, "end": 1150.0, "confidence": 0.9995863, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "do", "start": 1150.0, "end": 1150.16, "confidence": 0.9998343, "punctuated_word": "do", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "that", "start": 1150.16, "end": 1150.66, "confidence": 0.9994997, "punctuated_word": "that.", "speaker": 1, "speaker_confidence": 0.7785055 } ], "speaker": 1, "id": "d866bd16-b133-40b5-9215-bc2ca1399194" }, { "start": 1151.6, "end": 1159.38, "confidence": 0.96848834, "channel": 0, "transcript": "The second I would say is GDPR, which is the data security European requirement, which is also gonna go into effect the next year and a half, year or so.", "words": [ { "word": "the", "start": 1151.6, "end": 1151.76, "confidence": 0.98851556, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "second", "start": 1151.76, "end": 1152.0, "confidence": 0.99988055, "punctuated_word": "second", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "i", "start": 1152.0, "end": 1152.16, "confidence": 0.6947872, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "would", "start": 1152.16, "end": 1152.3201, "confidence": 0.99845874, "punctuated_word": "would", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "say", "start": 1152.3201, "end": 1152.56, "confidence": 0.9996401, "punctuated_word": "say", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "is", "start": 1152.56, "end": 1152.88, "confidence": 0.9897078, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "gdpr", "start": 1152.88, "end": 1153.38, "confidence": 0.9940873, "punctuated_word": "GDPR,", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "which", "start": 1153.52, "end": 1153.68, "confidence": 0.99988973, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "is", "start": 1153.68, "end": 1153.92, "confidence": 0.99978846, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "the", "start": 1153.92, "end": 1154.16, "confidence": 0.99963605, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "data", "start": 1154.16, "end": 1154.48, "confidence": 0.96424353, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "security", "start": 1154.48, "end": 1154.98, "confidence": 0.9994673, "punctuated_word": "security", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "european", "start": 1155.04, "end": 1155.4401, "confidence": 0.9882604, "punctuated_word": "European", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "requirement", "start": 1155.4401, "end": 1155.84, "confidence": 0.9902166, "punctuated_word": "requirement,", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "which", "start": 1155.84, "end": 1156.0, "confidence": 0.99993765, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "is", "start": 1156.0, "end": 1156.0801, "confidence": 0.9993444, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "also", "start": 1156.0801, "end": 1156.3201, "confidence": 0.9996537, "punctuated_word": "also", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "gonna", "start": 1156.3201, "end": 1156.56, "confidence": 0.9638928, "punctuated_word": "gonna", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "go", "start": 1156.56, "end": 1156.64, "confidence": 0.99456656, "punctuated_word": "go", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "into", "start": 1156.64, "end": 1156.88, "confidence": 0.99819857, "punctuated_word": "into", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "effect", "start": 1156.88, "end": 1157.2001, "confidence": 0.9942311, "punctuated_word": "effect", "speaker": 1, "speaker_confidence": 0.7785055 }, { "word": "the", "start": 1157.2001, "end": 1157.28, "confidence": 0.6744514, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.56680787 }, { "word": "next", "start": 1157.28, "end": 1157.78, "confidence": 0.9996743, "punctuated_word": "next", "speaker": 1, "speaker_confidence": 0.56680787 }, { "word": "year", "start": 1157.84, "end": 1158.0801, "confidence": 0.9990766, "punctuated_word": "year", "speaker": 1, "speaker_confidence": 0.56680787 }, { "word": "and", "start": 1158.0801, "end": 1158.16, "confidence": 0.9990048, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.56680787 }, { "word": "a", "start": 1158.16, "end": 1158.24, "confidence": 0.98278654, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.56680787 }, { "word": "half", "start": 1158.24, "end": 1158.48, "confidence": 0.9070692, "punctuated_word": "half,", "speaker": 1, "speaker_confidence": 0.56680787 }, { "word": "year", "start": 1158.48, "end": 1158.64, "confidence": 0.987324, "punctuated_word": "year", "speaker": 1, "speaker_confidence": 0.56680787 }, { "word": "or", "start": 1158.64, "end": 1158.88, "confidence": 0.9628131, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.56680787 }, { "word": "so", "start": 1158.88, "end": 1159.38, "confidence": 0.9860476, "punctuated_word": "so.", "speaker": 1, "speaker_confidence": 0.56680787 } ], "speaker": 1, "id": "07b82649-0d0e-4c5a-b344-3b7f84614172" }, { "start": 1159.76, "end": 1170.655, "confidence": 0.98223245, "channel": 0, "transcript": "And that's kind of the other side of the coin of PST two. It's this idea that in a really tech focused world where consumers are permissioning and using their data for any host of things, not just in the financial world, everywhere,", "words": [ { "word": "and", "start": 1159.76, "end": 1160.0, "confidence": 0.9992286, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.4822846 }, { "word": "that's", "start": 1160.0, "end": 1160.3201, "confidence": 0.9998771, "punctuated_word": "that's", "speaker": 1, "speaker_confidence": 0.4822846 }, { "word": "kind", "start": 1160.3201, "end": 1160.48, "confidence": 0.97052866, "punctuated_word": "kind", "speaker": 1, "speaker_confidence": 0.4822846 }, { "word": "of", "start": 1160.48, "end": 1160.64, "confidence": 0.99962175, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.4822846 }, { "word": "the", "start": 1160.64, "end": 1160.8, "confidence": 0.99945694, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.4822846 }, { "word": "other", "start": 1160.8, "end": 1160.9601, "confidence": 0.99973184, "punctuated_word": "other", "speaker": 1, "speaker_confidence": 0.4822846 }, { "word": "side", "start": 1160.9601, "end": 1161.2001, "confidence": 0.9998418, "punctuated_word": "side", "speaker": 1, "speaker_confidence": 0.4822846 }, { "word": "of", "start": 1161.2001, "end": 1161.28, "confidence": 0.99957496, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.4822846 }, { "word": "the", "start": 1161.28, "end": 1161.36, "confidence": 0.99938834, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.4822846 }, { "word": "coin", "start": 1161.36, "end": 1161.52, "confidence": 0.9988832, "punctuated_word": "coin", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "of", "start": 1161.52, "end": 1161.915, "confidence": 0.99681807, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "pst", "start": 1161.915, "end": 1162.155, "confidence": 0.6185353, "punctuated_word": "PST", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "two", "start": 1162.155, "end": 1162.3151, "confidence": 0.99893594, "punctuated_word": "two.", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "it's", "start": 1162.3151, "end": 1162.635, "confidence": 0.99949235, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "this", "start": 1162.635, "end": 1162.795, "confidence": 0.9995022, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "idea", "start": 1162.795, "end": 1163.1951, "confidence": 0.999923, "punctuated_word": "idea", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "that", "start": 1163.1951, "end": 1163.435, "confidence": 0.99973065, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "in", "start": 1163.435, "end": 1163.755, "confidence": 0.98592675, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "a", "start": 1163.755, "end": 1163.915, "confidence": 0.9998392, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "really", "start": 1163.915, "end": 1164.415, "confidence": 0.9993412, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "tech", "start": 1164.4751, "end": 1164.875, "confidence": 0.999052, "punctuated_word": "tech", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "focused", "start": 1164.875, "end": 1165.355, "confidence": 0.99841547, "punctuated_word": "focused", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "world", "start": 1165.355, "end": 1165.675, "confidence": 0.99978465, "punctuated_word": "world", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "where", "start": 1165.675, "end": 1165.915, "confidence": 0.8508504, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "consumers", "start": 1165.915, "end": 1166.3151, "confidence": 0.99915016, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "are", "start": 1166.3151, "end": 1166.395, "confidence": 0.99954444, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "permissioning", "start": 1166.395, "end": 1166.875, "confidence": 0.9800358, "punctuated_word": "permissioning", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "and", "start": 1166.875, "end": 1167.035, "confidence": 0.9962768, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "using", "start": 1167.035, "end": 1167.275, "confidence": 0.99986947, "punctuated_word": "using", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "their", "start": 1167.275, "end": 1167.355, "confidence": 0.99930525, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "data", "start": 1167.355, "end": 1167.5951, "confidence": 0.99987745, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "for", "start": 1167.5951, "end": 1167.8351, "confidence": 0.9994993, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "any", "start": 1167.8351, "end": 1168.0751, "confidence": 0.9995364, "punctuated_word": "any", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "host", "start": 1168.0751, "end": 1168.3151, "confidence": 0.99967563, "punctuated_word": "host", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "of", "start": 1168.3151, "end": 1168.395, "confidence": 0.99971586, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "things", "start": 1168.395, "end": 1168.875, "confidence": 0.9803053, "punctuated_word": "things,", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "not", "start": 1168.875, "end": 1169.115, "confidence": 0.9996427, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "just", "start": 1169.115, "end": 1169.275, "confidence": 0.9997081, "punctuated_word": "just", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "in", "start": 1169.275, "end": 1169.355, "confidence": 0.9954823, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8855126 }, { "word": "the", "start": 1169.355, "end": 1169.435, "confidence": 0.9968832, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "financial", "start": 1169.435, "end": 1169.8351, "confidence": 0.9998634, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "world", "start": 1169.8351, "end": 1170.155, "confidence": 0.952904, "punctuated_word": "world,", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "everywhere", "start": 1170.155, "end": 1170.655, "confidence": 0.92644024, "punctuated_word": "everywhere,", "speaker": 1, "speaker_confidence": 0.82844377 } ], "speaker": 1, "id": "a8befe41-ad41-482d-9f73-d1ebdb720ce0" }, { "start": 1171.035, "end": 1175.295, "confidence": 0.9876507, "channel": 0, "transcript": "there have to be some baseline understandings about data security, data privacy,", "words": [ { "word": "there", "start": 1171.035, "end": 1171.275, "confidence": 0.99825567, "punctuated_word": "there", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "have", "start": 1171.275, "end": 1171.435, "confidence": 0.86780834, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "to", "start": 1171.435, "end": 1171.515, "confidence": 0.99951625, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "be", "start": 1171.515, "end": 1171.675, "confidence": 0.9997675, "punctuated_word": "be", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "some", "start": 1171.675, "end": 1171.8351, "confidence": 0.99951947, "punctuated_word": "some", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "baseline", "start": 1171.8351, "end": 1172.235, "confidence": 0.99438053, "punctuated_word": "baseline", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "understandings", "start": 1172.235, "end": 1172.735, "confidence": 0.99461204, "punctuated_word": "understandings", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "about", "start": 1172.9551, "end": 1173.4551, "confidence": 0.9994054, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "data", "start": 1173.675, "end": 1173.915, "confidence": 0.9997687, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "security", "start": 1173.915, "end": 1174.415, "confidence": 0.9997165, "punctuated_word": "security,", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "data", "start": 1174.4751, "end": 1174.795, "confidence": 0.99987507, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "privacy", "start": 1174.795, "end": 1175.295, "confidence": 0.9991827, "punctuated_word": "privacy,", "speaker": 1, "speaker_confidence": 0.82844377 } ], "speaker": 1, "id": "ad6abc6f-88a9-4e8f-8874-f33aa346eb52" }, { "start": 1175.63, "end": 1176.6101, "confidence": 0.91487825, "channel": 0, "transcript": "consent, disclosure,", "words": [ { "word": "consent", "start": 1175.63, "end": 1176.1101, "confidence": 0.85177207, "punctuated_word": "consent,", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "disclosure", "start": 1176.1101, "end": 1176.6101, "confidence": 0.9779845, "punctuated_word": "disclosure,", "speaker": 1, "speaker_confidence": 0.82844377 } ], "speaker": 1, "id": "7f3bd44d-008c-4d8f-af9c-c73e4d045cc1" }, { "start": 1177.4701, "end": 1177.9701, "confidence": 0.99723595, "channel": 0, "transcript": "and,", "words": [ { "word": "and", "start": 1177.4701, "end": 1177.9701, "confidence": 0.99723595, "punctuated_word": "and,", "speaker": 1, "speaker_confidence": 0.82844377 } ], "speaker": 1, "id": "a62d9fa3-c31e-4df7-95e6-406a627d52da" }, { "start": 1178.43, "end": 1187.49, "confidence": 0.9871584, "channel": 0, "transcript": "letting consumers turn on and off the ability to use the data so that the flow they have control of the flow. It's not somebody doing it for them. Yeah. So those two things intertwined,", "words": [ { "word": "letting", "start": 1178.43, "end": 1178.75, "confidence": 0.9997875, "punctuated_word": "letting", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "consumers", "start": 1178.75, "end": 1179.2301, "confidence": 0.9995857, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "turn", "start": 1179.2301, "end": 1179.4701, "confidence": 0.9995276, "punctuated_word": "turn", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "on", "start": 1179.4701, "end": 1179.7101, "confidence": 0.9997265, "punctuated_word": "on", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "and", "start": 1179.7101, "end": 1179.87, "confidence": 0.9997085, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "off", "start": 1179.87, "end": 1180.1101, "confidence": 0.99987805, "punctuated_word": "off", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "the", "start": 1180.1101, "end": 1180.27, "confidence": 0.9979752, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "ability", "start": 1180.27, "end": 1180.5901, "confidence": 0.9999355, "punctuated_word": "ability", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "to", "start": 1180.5901, "end": 1180.75, "confidence": 0.99975187, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "use", "start": 1180.75, "end": 1180.91, "confidence": 0.9994727, "punctuated_word": "use", "speaker": 1, "speaker_confidence": 0.82844377 }, { "word": "the", "start": 1180.91, "end": 1180.99, "confidence": 0.73183763, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.35933834 }, { "word": "data", "start": 1180.99, "end": 1181.31, "confidence": 0.9989348, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.35933834 }, { "word": "so", "start": 1181.31, "end": 1181.4701, "confidence": 0.9171392, "punctuated_word": "so", "speaker": 1, "speaker_confidence": 0.35933834 }, { "word": "that", "start": 1181.4701, "end": 1181.7101, "confidence": 0.9994978, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.35933834 }, { "word": "the", "start": 1181.7101, "end": 1181.9501, "confidence": 0.99733126, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.35933834 }, { "word": "flow", "start": 1181.9501, "end": 1182.1101, "confidence": 0.99938357, "punctuated_word": "flow", "speaker": 1, "speaker_confidence": 0.35933834 }, { "word": "they", "start": 1182.3501, "end": 1182.43, "confidence": 0.9995135, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "have", "start": 1182.43, "end": 1182.5901, "confidence": 0.99961555, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "control", "start": 1182.5901, "end": 1182.91, "confidence": 0.99872714, "punctuated_word": "control", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "of", "start": 1182.91, "end": 1182.99, "confidence": 0.9862781, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "the", "start": 1182.99, "end": 1183.15, "confidence": 0.98872405, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "flow", "start": 1183.15, "end": 1183.39, "confidence": 0.99824893, "punctuated_word": "flow.", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "it's", "start": 1183.39, "end": 1183.55, "confidence": 0.9995512, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "not", "start": 1183.55, "end": 1183.9501, "confidence": 0.9999609, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "somebody", "start": 1183.9501, "end": 1184.3501, "confidence": 0.9996159, "punctuated_word": "somebody", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "doing", "start": 1184.3501, "end": 1184.51, "confidence": 0.9993231, "punctuated_word": "doing", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "it", "start": 1184.51, "end": 1184.67, "confidence": 0.99988353, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "for", "start": 1184.67, "end": 1184.8301, "confidence": 0.9998429, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "them", "start": 1184.8301, "end": 1185.0701, "confidence": 0.9995743, "punctuated_word": "them.", "speaker": 1, "speaker_confidence": 0.6366667 }, { "word": "yeah", "start": 1185.0701, "end": 1185.5701, "confidence": 0.9503144, "punctuated_word": "Yeah.", "speaker": 2, "speaker_confidence": 0.23792088 }, { "word": "so", "start": 1185.7101, "end": 1186.03, "confidence": 0.9995493, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.6979236 }, { "word": "those", "start": 1186.03, "end": 1186.3501, "confidence": 0.9998041, "punctuated_word": "those", "speaker": 1, "speaker_confidence": 0.6979236 }, { "word": "two", "start": 1186.3501, "end": 1186.5901, "confidence": 0.9997683, "punctuated_word": "two", "speaker": 1, "speaker_confidence": 0.6979236 }, { "word": "things", "start": 1186.5901, "end": 1186.99, "confidence": 0.99991894, "punctuated_word": "things", "speaker": 1, "speaker_confidence": 0.6979236 }, { "word": "intertwined", "start": 1186.99, "end": 1187.49, "confidence": 0.9928533, "punctuated_word": "intertwined,", "speaker": 1, "speaker_confidence": 0.6979236 } ], "speaker": 1, "id": "49a80d25-0145-4de2-a239-adfeb45d8e76" }, { "start": 1188.8301, "end": 1190.77, "confidence": 0.9998082, "channel": 0, "transcript": "create a really important fabric", "words": [ { "word": "create", "start": 1188.8301, "end": 1189.15, "confidence": 0.99963, "punctuated_word": "create", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "a", "start": 1189.15, "end": 1189.31, "confidence": 0.9999087, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "really", "start": 1189.31, "end": 1189.7101, "confidence": 0.9999044, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "important", "start": 1189.7101, "end": 1190.2101, "confidence": 0.9998746, "punctuated_word": "important", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "fabric", "start": 1190.27, "end": 1190.77, "confidence": 0.99972326, "punctuated_word": "fabric", "speaker": 1, "speaker_confidence": 0.88935155 } ], "speaker": 1, "id": "d074bb0b-7590-470d-b8ea-764a4094b31a" }, { "start": 1191.0851, "end": 1209.7599, "confidence": 0.94640976, "channel": 0, "transcript": "for how this environment should work, the fintech environment should work in the EU. And then you have other countries in the EU, well, I I suppose The UK is one foot in, one foot out, that even gone a step further and said, not only will we take these and implement them, we're gonna go a step further and have something called open banking, where we will create a standardized API", "words": [ { "word": "for", "start": 1191.0851, "end": 1191.3251, "confidence": 0.99993086, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "how", "start": 1191.3251, "end": 1191.8251, "confidence": 0.9998759, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "this", "start": 1191.9651, "end": 1192.285, "confidence": 0.99912125, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "environment", "start": 1192.285, "end": 1192.765, "confidence": 0.99964166, "punctuated_word": "environment", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "should", "start": 1192.765, "end": 1192.925, "confidence": 0.99854916, "punctuated_word": "should", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "work", "start": 1192.925, "end": 1193.245, "confidence": 0.88170725, "punctuated_word": "work,", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "the", "start": 1193.245, "end": 1193.405, "confidence": 0.98948085, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "fintech", "start": 1193.405, "end": 1193.805, "confidence": 0.9809478, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "environment", "start": 1193.805, "end": 1194.2051, "confidence": 0.99959856, "punctuated_word": "environment", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "should", "start": 1194.2051, "end": 1194.4451, "confidence": 0.9959812, "punctuated_word": "should", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "work", "start": 1194.4451, "end": 1194.8451, "confidence": 0.9996706, "punctuated_word": "work", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "in", "start": 1194.8451, "end": 1195.0851, "confidence": 0.917639, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "the", "start": 1195.0851, "end": 1195.165, "confidence": 0.99529654, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "eu", "start": 1195.165, "end": 1195.405, "confidence": 0.86103505, "punctuated_word": "EU.", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "and", "start": 1195.405, "end": 1195.5651, "confidence": 0.9884405, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "then", "start": 1195.5651, "end": 1195.7251, "confidence": 0.6763662, "punctuated_word": "then", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "you", "start": 1195.7251, "end": 1195.805, "confidence": 0.9889924, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "have", "start": 1195.805, "end": 1195.885, "confidence": 0.9887714, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "other", "start": 1195.885, "end": 1196.125, "confidence": 0.99926263, "punctuated_word": "other", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "countries", "start": 1196.125, "end": 1196.4451, "confidence": 0.9996599, "punctuated_word": "countries", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "in", "start": 1196.4451, "end": 1196.6051, "confidence": 0.9981306, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "the", "start": 1196.6051, "end": 1196.765, "confidence": 0.99735034, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "eu", "start": 1196.765, "end": 1197.245, "confidence": 0.70473516, "punctuated_word": "EU,", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "well", "start": 1197.245, "end": 1197.4851, "confidence": 0.9529563, "punctuated_word": "well,", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "i", "start": 1197.4851, "end": 1197.645, "confidence": 0.8653218, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "i", "start": 1197.645, "end": 1197.805, "confidence": 0.7959626, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "suppose", "start": 1197.805, "end": 1198.125, "confidence": 0.98571616, "punctuated_word": "suppose", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "the", "start": 1198.125, "end": 1198.285, "confidence": 0.9171433, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "uk", "start": 1198.285, "end": 1198.685, "confidence": 0.99539435, "punctuated_word": "UK", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "is", "start": 1198.685, "end": 1199.005, "confidence": 0.4856069, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "one", "start": 1199.005, "end": 1199.165, "confidence": 0.9550801, "punctuated_word": "one", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "foot", "start": 1199.165, "end": 1199.3251, "confidence": 0.96757543, "punctuated_word": "foot", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "in", "start": 1199.3251, "end": 1199.4851, "confidence": 0.87166005, "punctuated_word": "in,", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "one", "start": 1199.4851, "end": 1199.645, "confidence": 0.99546045, "punctuated_word": "one", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "foot", "start": 1199.645, "end": 1199.885, "confidence": 0.99725276, "punctuated_word": "foot", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "out", "start": 1199.885, "end": 1200.285, "confidence": 0.88799596, "punctuated_word": "out,", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "that", "start": 1200.285, "end": 1200.525, "confidence": 0.98452604, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "even", "start": 1200.525, "end": 1200.765, "confidence": 0.8656624, "punctuated_word": "even", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "gone", "start": 1200.765, "end": 1200.925, "confidence": 0.48478454, "punctuated_word": "gone", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "a", "start": 1200.925, "end": 1201.0851, "confidence": 0.99611086, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "step", "start": 1201.0851, "end": 1201.245, "confidence": 0.9998518, "punctuated_word": "step", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "further", "start": 1201.245, "end": 1201.745, "confidence": 0.9990484, "punctuated_word": "further", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "and", "start": 1201.805, "end": 1201.9651, "confidence": 0.97533786, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "said", "start": 1201.9651, "end": 1202.285, "confidence": 0.82533026, "punctuated_word": "said,", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "not", "start": 1202.285, "end": 1202.4451, "confidence": 0.99849033, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "only", "start": 1202.4451, "end": 1202.765, "confidence": 0.99989593, "punctuated_word": "only", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "will", "start": 1202.765, "end": 1202.94, "confidence": 0.9983188, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "we", "start": 1203.4199, "end": 1203.5, "confidence": 0.99879336, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.88935155 }, { "word": "take", "start": 1203.5, "end": 1203.6599, "confidence": 0.9994103, "punctuated_word": "take", "speaker": 1, "speaker_confidence": 0.5413374 }, { "word": "these", "start": 1203.6599, "end": 1203.8999, "confidence": 0.9950964, "punctuated_word": "these", "speaker": 1, "speaker_confidence": 0.5413374 }, { "word": "and", "start": 1203.8999, "end": 1204.1399, "confidence": 0.99720556, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.5413374 }, { "word": "implement", "start": 1204.1399, "end": 1204.46, "confidence": 0.9994542, "punctuated_word": "implement", "speaker": 1, "speaker_confidence": 0.5413374 }, { "word": "them", "start": 1204.46, "end": 1204.86, "confidence": 0.93816125, "punctuated_word": "them,", "speaker": 1, "speaker_confidence": 0.5413374 }, { "word": "we're", "start": 1204.86, "end": 1205.0199, "confidence": 0.99752307, "punctuated_word": "we're", "speaker": 1, "speaker_confidence": 0.5413374 }, { "word": "gonna", "start": 1205.0199, "end": 1205.2599, "confidence": 0.7839701, "punctuated_word": "gonna", "speaker": 1, "speaker_confidence": 0.5413374 }, { "word": "go", "start": 1205.2599, "end": 1205.3398, "confidence": 0.9903819, "punctuated_word": "go", "speaker": 1, "speaker_confidence": 0.5413374 }, { "word": "a", "start": 1205.3398, "end": 1205.4199, "confidence": 0.9762915, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "step", "start": 1205.4199, "end": 1205.58, "confidence": 0.9997824, "punctuated_word": "step", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "further", "start": 1205.58, "end": 1205.8999, "confidence": 0.99928856, "punctuated_word": "further", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 1205.8999, "end": 1206.0599, "confidence": 0.9960037, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "have", "start": 1206.0599, "end": 1206.22, "confidence": 0.99854326, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "something", "start": 1206.22, "end": 1206.3799, "confidence": 0.9990195, "punctuated_word": "something", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "called", "start": 1206.3799, "end": 1206.62, "confidence": 0.99748105, "punctuated_word": "called", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "open", "start": 1206.62, "end": 1206.86, "confidence": 0.8752757, "punctuated_word": "open", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "banking", "start": 1206.86, "end": 1207.2599, "confidence": 0.8771572, "punctuated_word": "banking,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "where", "start": 1207.2599, "end": 1207.5, "confidence": 0.9993494, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "we", "start": 1207.5, "end": 1207.74, "confidence": 0.999438, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "will", "start": 1207.74, "end": 1207.98, "confidence": 0.99697053, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "create", "start": 1207.98, "end": 1208.48, "confidence": 0.9994869, "punctuated_word": "create", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "a", "start": 1208.5399, "end": 1208.7, "confidence": 0.9718498, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "standardized", "start": 1208.7, "end": 1209.2, "confidence": 0.9951426, "punctuated_word": "standardized", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "api", "start": 1209.2599, "end": 1209.7599, "confidence": 0.99976367, "punctuated_word": "API", "speaker": 1, "speaker_confidence": 1.0 } ], "speaker": 1, "id": "d3964b4b-e7d7-4381-87e8-913d9ab3be6d" }, { "start": 1210.22, "end": 1221.965, "confidence": 0.96140873, "channel": 0, "transcript": "by which all of this data has to be made available so the consumer can not only permission their data, but there's a standardized way that these fintech firms can get the data so that we are getting rid of all the drag in the system, and it's frictionless for the consumer.", "words": [ { "word": "by", "start": 1210.22, "end": 1210.46, "confidence": 0.9090426, "punctuated_word": "by", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "which", "start": 1210.46, "end": 1210.62, "confidence": 0.9998735, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "all", "start": 1210.62, "end": 1210.7799, "confidence": 0.99889815, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "of", "start": 1210.7799, "end": 1210.86, "confidence": 0.74700946, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "this", "start": 1210.86, "end": 1211.0199, "confidence": 0.9871481, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "data", "start": 1211.0199, "end": 1211.2599, "confidence": 0.9984206, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "has", "start": 1211.2599, "end": 1211.3799, "confidence": 0.99848807, "punctuated_word": "has", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 1211.3799, "end": 1211.5, "confidence": 0.98528624, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "be", "start": 1211.5, "end": 1211.6599, "confidence": 0.9941316, "punctuated_word": "be", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "made", "start": 1211.6599, "end": 1211.82, "confidence": 0.99905556, "punctuated_word": "made", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "available", "start": 1211.82, "end": 1212.2999, "confidence": 0.99971765, "punctuated_word": "available", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "so", "start": 1212.2999, "end": 1212.46, "confidence": 0.45808393, "punctuated_word": "so", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1212.46, "end": 1212.62, "confidence": 0.9284608, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "consumer", "start": 1212.62, "end": 1213.0199, "confidence": 0.9994605, "punctuated_word": "consumer", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "can", "start": 1213.0199, "end": 1213.1799, "confidence": 0.7505701, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "not", "start": 1213.1799, "end": 1213.34, "confidence": 0.98602, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "only", "start": 1213.34, "end": 1213.58, "confidence": 0.9998902, "punctuated_word": "only", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "permission", "start": 1213.58, "end": 1213.8999, "confidence": 0.9913612, "punctuated_word": "permission", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "their", "start": 1213.8999, "end": 1214.0599, "confidence": 0.99904925, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "data", "start": 1214.0599, "end": 1214.46, "confidence": 0.95226324, "punctuated_word": "data,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "but", "start": 1214.46, "end": 1214.62, "confidence": 0.9992207, "punctuated_word": "but", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "there's", "start": 1214.62, "end": 1214.86, "confidence": 0.7943132, "punctuated_word": "there's", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "a", "start": 1214.86, "end": 1215.0199, "confidence": 0.99917775, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "standardized", "start": 1215.0199, "end": 1215.5, "confidence": 0.99801207, "punctuated_word": "standardized", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "way", "start": 1215.5, "end": 1215.74, "confidence": 0.9983071, "punctuated_word": "way", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "that", "start": 1215.74, "end": 1215.98, "confidence": 0.99777323, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "these", "start": 1215.98, "end": 1216.1399, "confidence": 0.9964102, "punctuated_word": "these", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "fintech", "start": 1216.1399, "end": 1216.46, "confidence": 0.95144415, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "firms", "start": 1216.46, "end": 1216.86, "confidence": 0.99938416, "punctuated_word": "firms", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "can", "start": 1216.86, "end": 1217.0199, "confidence": 0.99924564, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "get", "start": 1217.0199, "end": 1217.1799, "confidence": 0.99963474, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1217.1799, "end": 1217.2599, "confidence": 0.99647266, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "data", "start": 1217.2599, "end": 1217.74, "confidence": 0.99968517, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "so", "start": 1217.74, "end": 1217.865, "confidence": 0.81424767, "punctuated_word": "so", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "that", "start": 1217.945, "end": 1218.105, "confidence": 0.99914765, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "we", "start": 1218.105, "end": 1218.265, "confidence": 0.9995196, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "are", "start": 1218.265, "end": 1218.345, "confidence": 0.9942205, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "getting", "start": 1218.345, "end": 1218.585, "confidence": 0.99946576, "punctuated_word": "getting", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "rid", "start": 1218.585, "end": 1218.825, "confidence": 0.9995696, "punctuated_word": "rid", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "of", "start": 1218.825, "end": 1218.905, "confidence": 0.99614406, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "all", "start": 1218.905, "end": 1219.145, "confidence": 0.9989832, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1219.145, "end": 1219.3049, "confidence": 0.9903414, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "drag", "start": 1219.3049, "end": 1219.465, "confidence": 0.99170285, "punctuated_word": "drag", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "in", "start": 1219.465, "end": 1219.625, "confidence": 0.99014974, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1219.625, "end": 1219.705, "confidence": 0.99237204, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "system", "start": 1219.705, "end": 1220.105, "confidence": 0.845387, "punctuated_word": "system,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 1220.105, "end": 1220.345, "confidence": 0.99947387, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "it's", "start": 1220.345, "end": 1220.585, "confidence": 0.99340045, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "frictionless", "start": 1220.585, "end": 1221.085, "confidence": 0.98209596, "punctuated_word": "frictionless", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "for", "start": 1221.145, "end": 1221.3049, "confidence": 0.99935, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1221.3049, "end": 1221.465, "confidence": 0.9971718, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "consumer", "start": 1221.465, "end": 1221.965, "confidence": 0.9991982, "punctuated_word": "consumer.", "speaker": 1, "speaker_confidence": 1.0 } ], "speaker": 1, "id": "450dc894-483e-4d6e-9cdd-2d7aea2cd07b" }, { "start": 1222.505, "end": 1225.405, "confidence": 0.97930115, "channel": 0, "transcript": "Contrast that to The US, right, where", "words": [ { "word": "contrast", "start": 1222.505, "end": 1222.985, "confidence": 0.998181, "punctuated_word": "Contrast", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "that", "start": 1222.985, "end": 1223.225, "confidence": 0.9990513, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 1223.225, "end": 1223.705, "confidence": 0.997813, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1223.705, "end": 1224.025, "confidence": 0.96656555, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "us", "start": 1224.025, "end": 1224.505, "confidence": 0.91734284, "punctuated_word": "US,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "right", "start": 1224.505, "end": 1224.905, "confidence": 0.9772317, "punctuated_word": "right,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "where", "start": 1224.905, "end": 1225.405, "confidence": 0.99892324, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 1.0 } ], "speaker": 1, "id": "e192cbd8-99f4-47b0-ab49-34b05b5022d1" }, { "start": 1226.425, "end": 1229.245, "confidence": 0.9989038, "channel": 0, "transcript": "we have a really fragmented regulatory system", "words": [ { "word": "we", "start": 1226.425, "end": 1226.665, "confidence": 0.99591595, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "have", "start": 1226.665, "end": 1226.825, "confidence": 0.999561, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "a", "start": 1226.825, "end": 1226.985, "confidence": 0.99948895, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "really", "start": 1226.985, "end": 1227.465, "confidence": 0.9997805, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "fragmented", "start": 1227.465, "end": 1227.965, "confidence": 0.99974495, "punctuated_word": "fragmented", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "regulatory", "start": 1228.1849, "end": 1228.6849, "confidence": 0.9980118, "punctuated_word": "regulatory", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "system", "start": 1228.745, "end": 1229.245, "confidence": 0.9998234, "punctuated_word": "system", "speaker": 1, "speaker_confidence": 1.0 } ], "speaker": 1, "id": "eb18099c-7705-4973-a1ad-9197d27e6531" }, { "start": 1229.625, "end": 1236.8, "confidence": 0.9905791, "channel": 0, "transcript": "that came about after two and a half centuries of securities laws and bank laws and technology laws and privacy laws.", "words": [ { "word": "that", "start": 1229.625, "end": 1229.945, "confidence": 0.9878592, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "came", "start": 1229.945, "end": 1230.1849, "confidence": 0.9998554, "punctuated_word": "came", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "about", "start": 1230.1849, "end": 1230.585, "confidence": 0.9990797, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "after", "start": 1230.585, "end": 1230.905, "confidence": 0.99882597, "punctuated_word": "after", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "two", "start": 1230.905, "end": 1231.145, "confidence": 0.999424, "punctuated_word": "two", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 1231.145, "end": 1231.225, "confidence": 0.997563, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "a", "start": 1231.225, "end": 1231.3049, "confidence": 0.98439145, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "half", "start": 1231.3049, "end": 1231.465, "confidence": 0.9999516, "punctuated_word": "half", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "centuries", "start": 1231.465, "end": 1231.965, "confidence": 0.9995352, "punctuated_word": "centuries", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "of", "start": 1232.025, "end": 1232.525, "confidence": 0.9994618, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "securities", "start": 1232.745, "end": 1233.245, "confidence": 0.99831736, "punctuated_word": "securities", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "laws", "start": 1233.3049, "end": 1233.66, "confidence": 0.94277644, "punctuated_word": "laws", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "and", "start": 1233.8201, "end": 1234.14, "confidence": 0.9980484, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "bank", "start": 1234.14, "end": 1234.38, "confidence": 0.9993279, "punctuated_word": "bank", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "laws", "start": 1234.38, "end": 1234.7001, "confidence": 0.9996594, "punctuated_word": "laws", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "and", "start": 1234.7001, "end": 1234.9401, "confidence": 0.97988784, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "technology", "start": 1234.9401, "end": 1235.4401, "confidence": 0.9998441, "punctuated_word": "technology", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "laws", "start": 1235.5, "end": 1235.74, "confidence": 0.998884, "punctuated_word": "laws", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "and", "start": 1235.74, "end": 1235.9, "confidence": 0.99540114, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "privacy", "start": 1235.9, "end": 1236.3, "confidence": 0.9997614, "punctuated_word": "privacy", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "laws", "start": 1236.3, "end": 1236.8, "confidence": 0.9243041, "punctuated_word": "laws.", "speaker": 1, "speaker_confidence": 0.8542807 } ], "speaker": 1, "id": "a0cb0a2d-2f1b-4dd8-b9a9-2677221ffc4d" }, { "start": 1237.74, "end": 1243.36, "confidence": 0.98834956, "channel": 0, "transcript": "We also have 6,000 financial institutions in this country as opposed to a few dozen in Europe.", "words": [ { "word": "we", "start": 1237.74, "end": 1237.98, "confidence": 0.9970373, "punctuated_word": "We", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "also", "start": 1237.98, "end": 1238.3, "confidence": 0.99940276, "punctuated_word": "also", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "have", "start": 1238.3, "end": 1238.8, "confidence": 0.99979335, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "6,000", "start": 1238.9401, "end": 1239.5801, "confidence": 0.9993415, "punctuated_word": "6,000", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "financial", "start": 1239.5801, "end": 1239.98, "confidence": 0.9956174, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "institutions", "start": 1239.98, "end": 1240.38, "confidence": 0.99868745, "punctuated_word": "institutions", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "in", "start": 1240.38, "end": 1240.54, "confidence": 0.99632806, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "this", "start": 1240.54, "end": 1240.7001, "confidence": 0.99958986, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "country", "start": 1240.7001, "end": 1241.02, "confidence": 0.9998472, "punctuated_word": "country", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "as", "start": 1241.02, "end": 1241.18, "confidence": 0.88968307, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "opposed", "start": 1241.18, "end": 1241.5801, "confidence": 0.9986933, "punctuated_word": "opposed", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "to", "start": 1241.5801, "end": 1241.9, "confidence": 0.9993462, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "a", "start": 1241.9, "end": 1241.98, "confidence": 0.9992386, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "few", "start": 1241.98, "end": 1242.2201, "confidence": 0.999742, "punctuated_word": "few", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "dozen", "start": 1242.2201, "end": 1242.7201, "confidence": 0.99900335, "punctuated_word": "dozen", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "in", "start": 1242.78, "end": 1242.86, "confidence": 0.9338443, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "europe", "start": 1242.86, "end": 1243.36, "confidence": 0.9967488, "punctuated_word": "Europe.", "speaker": 1, "speaker_confidence": 0.8542807 } ], "speaker": 1, "id": "5eecaa1b-7feb-4d56-ad0f-104155919894" }, { "start": 1243.8201, "end": 1248.24, "confidence": 0.95757824, "channel": 0, "transcript": "It's really hard to get consensus here. And the regulators in The US and congress", "words": [ { "word": "it's", "start": 1243.8201, "end": 1244.06, "confidence": 0.9947643, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "really", "start": 1244.06, "end": 1244.3, "confidence": 0.9998136, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "hard", "start": 1244.3, "end": 1244.54, "confidence": 0.99968255, "punctuated_word": "hard", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "to", "start": 1244.54, "end": 1244.7001, "confidence": 0.9999386, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "get", "start": 1244.7001, "end": 1244.86, "confidence": 0.99993646, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "consensus", "start": 1244.86, "end": 1245.3401, "confidence": 0.99287367, "punctuated_word": "consensus", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "here", "start": 1245.3401, "end": 1245.8401, "confidence": 0.88086975, "punctuated_word": "here.", "speaker": 1, "speaker_confidence": 0.8542807 }, { "word": "and", "start": 1245.98, "end": 1246.14, "confidence": 0.9991875, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "the", "start": 1246.14, "end": 1246.2201, "confidence": 0.9998524, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "regulators", "start": 1246.2201, "end": 1246.7201, "confidence": 0.9997557, "punctuated_word": "regulators", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "in", "start": 1246.78, "end": 1246.9401, "confidence": 0.99816364, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "the", "start": 1246.9401, "end": 1247.1, "confidence": 0.99973184, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "us", "start": 1247.1, "end": 1247.5801, "confidence": 0.99918157, "punctuated_word": "US", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "and", "start": 1247.5801, "end": 1247.74, "confidence": 0.9773491, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "congress", "start": 1247.74, "end": 1248.24, "confidence": 0.5225723, "punctuated_word": "congress", "speaker": 1, "speaker_confidence": 0.7036295 } ], "speaker": 1, "id": "7f5d6906-4bb4-4dec-b48a-f1100e9b1a37" }, { "start": 1248.805, "end": 1250.425, "confidence": 0.99977034, "channel": 0, "transcript": "are really wrestling with", "words": [ { "word": "are", "start": 1248.805, "end": 1249.125, "confidence": 0.99995303, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "really", "start": 1249.125, "end": 1249.4451, "confidence": 0.99983025, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "wrestling", "start": 1249.4451, "end": 1249.925, "confidence": 0.99970263, "punctuated_word": "wrestling", "speaker": 1, "speaker_confidence": 0.7036295 }, { "word": "with", "start": 1249.925, "end": 1250.425, "confidence": 0.99959546, "punctuated_word": "with", "speaker": 1, "speaker_confidence": 0.7036295 } ], "speaker": 1, "id": "5b11bf66-d2bf-420b-bc72-554bba88b147" }, { "start": 1250.965, "end": 1255.765, "confidence": 0.95077163, "channel": 0, "transcript": "what is our role here in the first place. And even if we have a role, we have to, I I,", "words": [ { "word": "what", "start": 1250.965, "end": 1251.125, "confidence": 0.70409477, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.51822 }, { "word": "is", "start": 1251.125, "end": 1251.285, "confidence": 0.9995509, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.51822 }, { "word": "our", "start": 1251.285, "end": 1251.4451, "confidence": 0.97347766, "punctuated_word": "our", "speaker": 1, "speaker_confidence": 0.51822 }, { "word": "role", "start": 1251.4451, "end": 1251.685, "confidence": 0.99788326, "punctuated_word": "role", "speaker": 1, "speaker_confidence": 0.51822 }, { "word": "here", "start": 1251.685, "end": 1251.925, "confidence": 0.99947816, "punctuated_word": "here", "speaker": 1, "speaker_confidence": 0.51822 }, { "word": "in", "start": 1251.925, "end": 1252.085, "confidence": 0.99960655, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.51822 }, { "word": "the", "start": 1252.085, "end": 1252.165, "confidence": 0.9997255, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "first", "start": 1252.165, "end": 1252.3251, "confidence": 0.9998654, "punctuated_word": "first", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "place", "start": 1252.3251, "end": 1252.8251, "confidence": 0.91222334, "punctuated_word": "place.", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "and", "start": 1252.885, "end": 1253.125, "confidence": 0.9996979, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "even", "start": 1253.125, "end": 1253.365, "confidence": 0.9998877, "punctuated_word": "even", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "if", "start": 1253.365, "end": 1253.605, "confidence": 0.99983764, "punctuated_word": "if", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "we", "start": 1253.605, "end": 1254.005, "confidence": 0.9999155, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "have", "start": 1254.005, "end": 1254.165, "confidence": 0.99991083, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "a", "start": 1254.165, "end": 1254.3251, "confidence": 0.99611205, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "role", "start": 1254.3251, "end": 1254.645, "confidence": 0.9947014, "punctuated_word": "role,", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "we", "start": 1254.645, "end": 1254.805, "confidence": 0.9997365, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "have", "start": 1254.805, "end": 1254.965, "confidence": 0.9998586, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "to", "start": 1254.965, "end": 1255.2051, "confidence": 0.81787515, "punctuated_word": "to,", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "i", "start": 1255.2051, "end": 1255.4451, "confidence": 0.73288614, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "i", "start": 1255.4451, "end": 1255.765, "confidence": 0.83988166, "punctuated_word": "I,", "speaker": 1, "speaker_confidence": 0.8258096 } ], "speaker": 1, "id": "b430ab56-4ca6-4ab4-9e66-55d3eac3d2fa" }, { "start": 1256.3251, "end": 1260.025, "confidence": 0.9978194, "channel": 0, "transcript": "recognize that it's just a sliver of the entire ecosystem,", "words": [ { "word": "recognize", "start": 1256.3251, "end": 1256.725, "confidence": 0.99378043, "punctuated_word": "recognize", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "that", "start": 1256.725, "end": 1256.965, "confidence": 0.9991326, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "it's", "start": 1256.965, "end": 1257.365, "confidence": 0.99985456, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "just", "start": 1257.365, "end": 1257.765, "confidence": 0.9996822, "punctuated_word": "just", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "a", "start": 1257.765, "end": 1257.925, "confidence": 0.9996929, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "sliver", "start": 1257.925, "end": 1258.425, "confidence": 0.99961793, "punctuated_word": "sliver", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "of", "start": 1258.725, "end": 1258.965, "confidence": 0.99973994, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "the", "start": 1258.965, "end": 1259.045, "confidence": 0.99949086, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "entire", "start": 1259.045, "end": 1259.525, "confidence": 0.99995637, "punctuated_word": "entire", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "ecosystem", "start": 1259.525, "end": 1260.025, "confidence": 0.98724675, "punctuated_word": "ecosystem,", "speaker": 1, "speaker_confidence": 0.8258096 } ], "speaker": 1, "id": "071121df-e66a-4e29-959c-993f785c9dc1" }, { "start": 1260.805, "end": 1265.2999, "confidence": 0.98940593, "channel": 0, "transcript": "which means it's kind of been a free for all. Right? The the market itself has been dictating the terms here.", "words": [ { "word": "which", "start": 1260.805, "end": 1261.045, "confidence": 0.99973947, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 0.8258096 }, { "word": "means", "start": 1261.045, "end": 1261.285, "confidence": 0.99925846, "punctuated_word": "means", "speaker": 1, "speaker_confidence": 0.3527056 }, { "word": "it's", "start": 1261.285, "end": 1261.365, "confidence": 0.99868095, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.3527056 }, { "word": "kind", "start": 1261.365, "end": 1261.605, "confidence": 0.8633234, "punctuated_word": "kind", "speaker": 1, "speaker_confidence": 0.3527056 }, { "word": "of", "start": 1261.605, "end": 1261.685, "confidence": 0.998278, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.3527056 }, { "word": "been", "start": 1261.685, "end": 1261.845, "confidence": 0.98064786, "punctuated_word": "been", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "a", "start": 1261.845, "end": 1261.925, "confidence": 0.9978865, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "free", "start": 1261.925, "end": 1262.085, "confidence": 0.9993555, "punctuated_word": "free", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "for", "start": 1262.085, "end": 1262.245, "confidence": 0.9956938, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "all", "start": 1262.245, "end": 1262.405, "confidence": 0.99813795, "punctuated_word": "all.", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "right", "start": 1262.405, "end": 1262.645, "confidence": 0.9969567, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "the", "start": 1262.645, "end": 1262.885, "confidence": 0.9977204, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "the", "start": 1262.885, "end": 1262.965, "confidence": 0.98154366, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "market", "start": 1262.965, "end": 1263.285, "confidence": 0.9994173, "punctuated_word": "market", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "itself", "start": 1263.285, "end": 1263.605, "confidence": 0.9992403, "punctuated_word": "itself", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "has", "start": 1263.605, "end": 1263.84, "confidence": 0.97567457, "punctuated_word": "has", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "been", "start": 1263.84, "end": 1264.0, "confidence": 0.9984555, "punctuated_word": "been", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "dictating", "start": 1264.0, "end": 1264.32, "confidence": 0.99982053, "punctuated_word": "dictating", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "the", "start": 1264.32, "end": 1264.5599, "confidence": 0.9979703, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "terms", "start": 1264.5599, "end": 1264.7999, "confidence": 0.9998845, "punctuated_word": "terms", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "here", "start": 1264.7999, "end": 1265.2999, "confidence": 0.99984026, "punctuated_word": "here.", "speaker": 1, "speaker_confidence": 0.852492 } ], "speaker": 1, "id": "a0863037-2623-4098-840e-d2966423786f" }, { "start": 1265.6, "end": 1267.86, "confidence": 0.925214, "channel": 0, "transcript": "What we're seeing now is increasingly,", "words": [ { "word": "what", "start": 1265.6, "end": 1265.76, "confidence": 0.99987507, "punctuated_word": "What", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "we're", "start": 1265.76, "end": 1266.0, "confidence": 0.99987835, "punctuated_word": "we're", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "seeing", "start": 1266.0, "end": 1266.4, "confidence": 0.9998534, "punctuated_word": "seeing", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "now", "start": 1266.4, "end": 1266.7999, "confidence": 0.99968827, "punctuated_word": "now", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "is", "start": 1266.7999, "end": 1267.2999, "confidence": 0.99956506, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "increasingly", "start": 1267.36, "end": 1267.86, "confidence": 0.5524236, "punctuated_word": "increasingly,", "speaker": 1, "speaker_confidence": 0.852492 } ], "speaker": 1, "id": "8137deb1-c911-482b-bbee-45e19c5d321c" }, { "start": 1268.32, "end": 1271.0599, "confidence": 0.9742893, "channel": 0, "transcript": "financial institutions are recognizing fintech as competition,", "words": [ { "word": "financial", "start": 1268.32, "end": 1268.72, "confidence": 0.9465131, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "institutions", "start": 1268.72, "end": 1269.22, "confidence": 0.99984264, "punctuated_word": "institutions", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "are", "start": 1269.2799, "end": 1269.52, "confidence": 0.99967694, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "recognizing", "start": 1269.52, "end": 1270.0, "confidence": 0.9992331, "punctuated_word": "recognizing", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "fintech", "start": 1270.0, "end": 1270.4, "confidence": 0.9452197, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "as", "start": 1270.4, "end": 1270.5599, "confidence": 0.9939242, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "competition", "start": 1270.5599, "end": 1271.0599, "confidence": 0.9356156, "punctuated_word": "competition,", "speaker": 1, "speaker_confidence": 0.852492 } ], "speaker": 1, "id": "82f89de2-098d-40df-800c-03f3c72fe41f" }, { "start": 1271.76, "end": 1275.86, "confidence": 0.9989667, "channel": 0, "transcript": "and they have the right here to say what data they will and will not share.", "words": [ { "word": "and", "start": 1271.76, "end": 1272.24, "confidence": 0.999406, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "they", "start": 1272.24, "end": 1272.4, "confidence": 0.9997732, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "have", "start": 1272.4, "end": 1272.64, "confidence": 0.99994385, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "the", "start": 1272.64, "end": 1272.7999, "confidence": 0.99938023, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "right", "start": 1272.7999, "end": 1273.0399, "confidence": 0.9999268, "punctuated_word": "right", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "here", "start": 1273.0399, "end": 1273.2, "confidence": 0.9995987, "punctuated_word": "here", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "to", "start": 1273.2, "end": 1273.36, "confidence": 0.9997708, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "say", "start": 1273.36, "end": 1273.84, "confidence": 0.99974066, "punctuated_word": "say", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "what", "start": 1273.84, "end": 1274.08, "confidence": 0.9918509, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "data", "start": 1274.08, "end": 1274.4, "confidence": 0.9980323, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "they", "start": 1274.4, "end": 1274.5599, "confidence": 0.99946505, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "will", "start": 1274.5599, "end": 1274.7999, "confidence": 0.99995947, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "and", "start": 1274.7999, "end": 1274.96, "confidence": 0.9993382, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "will", "start": 1274.96, "end": 1275.12, "confidence": 0.99956733, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "not", "start": 1275.12, "end": 1275.36, "confidence": 0.999884, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 0.852492 }, { "word": "share", "start": 1275.36, "end": 1275.86, "confidence": 0.99782944, "punctuated_word": "share.", "speaker": 1, "speaker_confidence": 0.852492 } ], "speaker": 1, "id": "c3c94986-9d89-4b9e-9721-35e3534dba41" }, { "start": 1276.695, "end": 1280.1549, "confidence": 0.9558919, "channel": 0, "transcript": "Contrast it to the EU where they don't have that right, it means that it's a much more", "words": [ { "word": "contrast", "start": 1276.695, "end": 1277.095, "confidence": 0.9949567, "punctuated_word": "Contrast", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "it", "start": 1277.095, "end": 1277.1749, "confidence": 0.76073545, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "to", "start": 1277.1749, "end": 1277.335, "confidence": 0.99819344, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "the", "start": 1277.335, "end": 1277.4149, "confidence": 0.996316, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "eu", "start": 1277.4149, "end": 1277.6549, "confidence": 0.9977197, "punctuated_word": "EU", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "where", "start": 1277.6549, "end": 1277.815, "confidence": 0.54152155, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "they", "start": 1277.815, "end": 1277.975, "confidence": 0.99969673, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "don't", "start": 1277.975, "end": 1278.135, "confidence": 0.9999591, "punctuated_word": "don't", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "have", "start": 1278.135, "end": 1278.2949, "confidence": 0.9996474, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "that", "start": 1278.2949, "end": 1278.455, "confidence": 0.99939346, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "right", "start": 1278.455, "end": 1278.695, "confidence": 0.9427668, "punctuated_word": "right,", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "it", "start": 1278.695, "end": 1278.7749, "confidence": 0.9927517, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "means", "start": 1278.7749, "end": 1279.015, "confidence": 0.99970585, "punctuated_word": "means", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "that", "start": 1279.015, "end": 1279.095, "confidence": 0.9888916, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "it's", "start": 1279.095, "end": 1279.335, "confidence": 0.9993957, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "a", "start": 1279.335, "end": 1279.495, "confidence": 0.99805236, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "much", "start": 1279.495, "end": 1279.6549, "confidence": 0.99981874, "punctuated_word": "much", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "more", "start": 1279.6549, "end": 1280.1549, "confidence": 0.9965334, "punctuated_word": "more", "speaker": 1, "speaker_confidence": 0.7597586 } ], "speaker": 1, "id": "17383853-4789-4d16-85bb-98ebefe03a96" }, { "start": 1280.5349, "end": 1287.855, "confidence": 0.9761803, "channel": 0, "transcript": "friction full Sure. Experience Yeah. For the consumer here, which is why Yodlee and 20 or so other,", "words": [ { "word": "friction", "start": 1280.5349, "end": 1280.9349, "confidence": 0.99907184, "punctuated_word": "friction", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "full", "start": 1280.9349, "end": 1281.255, "confidence": 0.68937445, "punctuated_word": "full", "speaker": 1, "speaker_confidence": 0.7597586 }, { "word": "sure", "start": 1281.575, "end": 1281.815, "confidence": 0.996513, "punctuated_word": "Sure.", "speaker": 2, "speaker_confidence": 0.0 }, { "word": "experience", "start": 1281.8949, "end": 1282.2949, "confidence": 0.99661833, "punctuated_word": "Experience", "speaker": 1, "speaker_confidence": 0.081876874 }, { "word": "yeah", "start": 1282.615, "end": 1282.9349, "confidence": 0.9979048, "punctuated_word": "Yeah.", "speaker": 1, "speaker_confidence": 0.0 }, { "word": "for", "start": 1283.1749, "end": 1283.335, "confidence": 0.9997843, "punctuated_word": "For", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1283.335, "end": 1283.495, "confidence": 0.9995859, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "consumer", "start": 1283.495, "end": 1283.975, "confidence": 0.9997938, "punctuated_word": "consumer", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "here", "start": 1283.975, "end": 1284.455, "confidence": 0.9769529, "punctuated_word": "here,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "which", "start": 1284.455, "end": 1284.695, "confidence": 0.9996, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "is", "start": 1284.695, "end": 1284.9349, "confidence": 0.99953985, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "why", "start": 1284.9349, "end": 1285.4149, "confidence": 0.9909603, "punctuated_word": "why", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "yodlee", "start": 1285.4149, "end": 1285.9149, "confidence": 0.98712, "punctuated_word": "Yodlee", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 1285.975, "end": 1286.455, "confidence": 0.9961802, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "20", "start": 1286.455, "end": 1286.855, "confidence": 0.9863028, "punctuated_word": "20", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "or", "start": 1286.855, "end": 1287.1749, "confidence": 0.97882426, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "so", "start": 1287.1749, "end": 1287.4149, "confidence": 0.9990134, "punctuated_word": "so", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "other", "start": 1287.4149, "end": 1287.855, "confidence": 0.97810465, "punctuated_word": "other,", "speaker": 1, "speaker_confidence": 1.0 } ], "speaker": 1, "id": "e7b069d2-4fbf-4568-80fe-ee63cc8f7192" }, { "start": 1288.2949, "end": 1292.51, "confidence": 0.9308081, "channel": 0, "transcript": "fintech companies, we call ourselves the, Consumer Financial Data Rights Coalition,", "words": [ { "word": "fintech", "start": 1288.2949, "end": 1288.695, "confidence": 0.9869366, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "companies", "start": 1288.695, "end": 1289.195, "confidence": 0.8691353, "punctuated_word": "companies,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "we", "start": 1289.335, "end": 1289.4149, "confidence": 0.9881616, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "call", "start": 1289.4149, "end": 1289.6549, "confidence": 0.99909174, "punctuated_word": "call", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "ourselves", "start": 1289.6549, "end": 1290.135, "confidence": 0.9992557, "punctuated_word": "ourselves", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1290.135, "end": 1290.375, "confidence": 0.80162823, "punctuated_word": "the,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "consumer", "start": 1290.5349, "end": 1291.015, "confidence": 0.67739004, "punctuated_word": "Consumer", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "financial", "start": 1291.015, "end": 1291.4149, "confidence": 0.9995284, "punctuated_word": "Financial", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "data", "start": 1291.4149, "end": 1291.77, "confidence": 0.9891788, "punctuated_word": "Data", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "rights", "start": 1291.77, "end": 1292.01, "confidence": 0.993874, "punctuated_word": "Rights", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "coalition", "start": 1292.01, "end": 1292.51, "confidence": 0.9347099, "punctuated_word": "Coalition,", "speaker": 1, "speaker_confidence": 1.0 } ], "speaker": 1, "id": "269166ab-3d4e-4054-8eed-87daa8296ffc" }, { "start": 1292.81, "end": 1299.15, "confidence": 0.97777426, "channel": 0, "transcript": "are really evangelical about this idea that it's not the bank's data to decide whether to share or not. It's the consumers.", "words": [ { "word": "are", "start": 1292.81, "end": 1293.05, "confidence": 0.99836856, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "really", "start": 1293.05, "end": 1293.4501, "confidence": 0.9998074, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "evangelical", "start": 1293.4501, "end": 1293.9501, "confidence": 0.9984427, "punctuated_word": "evangelical", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "about", "start": 1294.17, "end": 1294.41, "confidence": 0.99983776, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "this", "start": 1294.41, "end": 1294.65, "confidence": 0.9996666, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "idea", "start": 1294.65, "end": 1295.05, "confidence": 0.9999559, "punctuated_word": "idea", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "that", "start": 1295.05, "end": 1295.55, "confidence": 0.9966009, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "it's", "start": 1295.6901, "end": 1295.93, "confidence": 0.9943689, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "not", "start": 1295.93, "end": 1296.09, "confidence": 0.9999298, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1296.09, "end": 1296.25, "confidence": 0.9996117, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "bank's", "start": 1296.25, "end": 1296.5701, "confidence": 0.9748414, "punctuated_word": "bank's", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "data", "start": 1296.5701, "end": 1296.81, "confidence": 0.99951196, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 1296.81, "end": 1296.97, "confidence": 0.9988109, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "decide", "start": 1296.97, "end": 1297.29, "confidence": 0.999856, "punctuated_word": "decide", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "whether", "start": 1297.29, "end": 1297.53, "confidence": 0.9996854, "punctuated_word": "whether", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 1297.53, "end": 1297.6901, "confidence": 0.9965217, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "share", "start": 1297.6901, "end": 1297.93, "confidence": 0.99970216, "punctuated_word": "share", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "or", "start": 1297.93, "end": 1298.01, "confidence": 0.9943936, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "not", "start": 1298.01, "end": 1298.3301, "confidence": 0.79575557, "punctuated_word": "not.", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "it's", "start": 1298.3301, "end": 1298.5701, "confidence": 0.9995652, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1298.5701, "end": 1298.65, "confidence": 0.99657226, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "consumers", "start": 1298.65, "end": 1299.15, "confidence": 0.7692268, "punctuated_word": "consumers.", "speaker": 1, "speaker_confidence": 1.0 } ], "speaker": 1, "id": "78619d25-b101-44d0-82c4-436fe29e879a" }, { "start": 1299.61, "end": 1302.75, "confidence": 0.9847385, "channel": 0, "transcript": "And in an environment like in Europe, like in The UK,", "words": [ { "word": "and", "start": 1299.61, "end": 1299.85, "confidence": 0.997818, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "in", "start": 1299.85, "end": 1300.01, "confidence": 0.99730253, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "an", "start": 1300.01, "end": 1300.17, "confidence": 0.9850344, "punctuated_word": "an", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "environment", "start": 1300.17, "end": 1300.67, "confidence": 0.99752873, "punctuated_word": "environment", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "like", "start": 1300.89, "end": 1301.05, "confidence": 0.95811564, "punctuated_word": "like", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "in", "start": 1301.05, "end": 1301.21, "confidence": 0.9925007, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "europe", "start": 1301.21, "end": 1301.71, "confidence": 0.9991497, "punctuated_word": "Europe,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "like", "start": 1301.77, "end": 1302.01, "confidence": 0.99991643, "punctuated_word": "like", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "in", "start": 1302.01, "end": 1302.09, "confidence": 0.9965815, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1302.09, "end": 1302.25, "confidence": 0.9997116, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "uk", "start": 1302.25, "end": 1302.75, "confidence": 0.90846336, "punctuated_word": "UK,", "speaker": 1, "speaker_confidence": 1.0 } ], "speaker": 1, "id": "f0999718-5fa0-4fe7-9698-995d9f10069d" }, { "start": 1303.05, "end": 1310.2151, "confidence": 0.99511814, "channel": 0, "transcript": "where consumers have the right to share their data to these technology tools, they can really take advantage of important, important, important,", "words": [ { "word": "where", "start": 1303.05, "end": 1303.29, "confidence": 0.9995315, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "consumers", "start": 1303.29, "end": 1303.79, "confidence": 0.9998733, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "have", "start": 1303.85, "end": 1304.01, "confidence": 0.99986196, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1304.01, "end": 1304.17, "confidence": 0.99908173, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "right", "start": 1304.17, "end": 1304.41, "confidence": 0.99995804, "punctuated_word": "right", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "to", "start": 1304.41, "end": 1304.49, "confidence": 0.9994516, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "share", "start": 1304.49, "end": 1304.73, "confidence": 0.99958664, "punctuated_word": "share", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "their", "start": 1304.73, "end": 1304.89, "confidence": 0.99965775, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "data", "start": 1304.89, "end": 1305.21, "confidence": 0.9999244, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "to", "start": 1305.21, "end": 1305.37, "confidence": 0.99781597, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "these", "start": 1305.37, "end": 1305.6901, "confidence": 0.99959165, "punctuated_word": "these", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "technology", "start": 1305.6901, "end": 1306.17, "confidence": 0.9998379, "punctuated_word": "technology", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "tools", "start": 1306.17, "end": 1306.67, "confidence": 0.9976101, "punctuated_word": "tools,", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "they", "start": 1306.81, "end": 1306.97, "confidence": 0.99937433, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "can", "start": 1306.97, "end": 1307.21, "confidence": 0.9964245, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "really", "start": 1307.21, "end": 1307.4501, "confidence": 0.99973994, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "take", "start": 1307.4501, "end": 1307.655, "confidence": 0.9994092, "punctuated_word": "take", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "advantage", "start": 1307.8151, "end": 1308.135, "confidence": 0.99952245, "punctuated_word": "advantage", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "of", "start": 1308.135, "end": 1308.635, "confidence": 0.99983215, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "important", "start": 1308.775, "end": 1309.275, "confidence": 0.9171228, "punctuated_word": "important,", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "important", "start": 1309.3351, "end": 1309.735, "confidence": 0.99672276, "punctuated_word": "important,", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "important", "start": 1309.735, "end": 1310.2151, "confidence": 0.9926673, "punctuated_word": "important,", "speaker": 1, "speaker_confidence": 0.7926786 } ], "speaker": 1, "id": "1c9644f5-3bae-4a75-8f2e-48a052a4781c" }, { "start": 1310.615, "end": 1312.875, "confidence": 0.9975545, "channel": 0, "transcript": "tools that can help them improve their financial well-being.", "words": [ { "word": "tools", "start": 1310.615, "end": 1310.935, "confidence": 0.9997756, "punctuated_word": "tools", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "that", "start": 1310.935, "end": 1311.015, "confidence": 0.99899346, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.7926786 }, { "word": "can", "start": 1311.015, "end": 1311.175, "confidence": 0.9909717, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.42038548 }, { "word": "help", "start": 1311.175, "end": 1311.3351, "confidence": 0.99985075, "punctuated_word": "help", "speaker": 1, "speaker_confidence": 0.42038548 }, { "word": "them", "start": 1311.3351, "end": 1311.495, "confidence": 0.99080527, "punctuated_word": "them", "speaker": 1, "speaker_confidence": 0.42038548 }, { "word": "improve", "start": 1311.495, "end": 1311.8151, "confidence": 0.99924386, "punctuated_word": "improve", "speaker": 1, "speaker_confidence": 0.42038548 }, { "word": "their", "start": 1311.8151, "end": 1311.975, "confidence": 0.99967885, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.42038548 }, { "word": "financial", "start": 1311.975, "end": 1312.375, "confidence": 0.9994221, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.42038548 }, { "word": "well-being", "start": 1312.375, "end": 1312.875, "confidence": 0.99924886, "punctuated_word": "well-being.", "speaker": 1, "speaker_confidence": 0.42038548 } ], "speaker": 1, "id": "ddf19ac1-53e5-4714-9b1a-a9687cfca5df" }, { "start": 1313.3351, "end": 1390.1975, "confidence": 0.9737692, "channel": 0, "transcript": "So that was a really long answer to a really short question. That was really helpful. Do you think The US is is getting there? Do you think that there is, you know, potential for that to be the case? Because, obviously, the the talking point of, you know, it's the consumer's data, it's not the bank's data. It's probably gonna resonate with a lot of folks. But then you'll also get some people saying, well, even when a consumer has control of their data with stuff like financial data, it's hard to really take control of that just because you don't know what's out there. It's in different places. So you don't wanna lose control. So even though they may make some choices, it's easy to lose control if you put it out there too much. So how does The US get to kind of the vision where the consumer has true control is making those informed decisions and taking advantage of all this great fintech? So I think the the great news is that the regulators here in Congress have started a long process to figure this out. I can't tell you how much time it's it's gonna take or what it looks like when it's done. What? But they've started. And a few important developments really just in the past few months. Right? So the CFPB put out its request for information in November on, data access, which is really this idea of how consumers can get their data and what they can do with it in a financial sense once they have it. Then they put out a request for information on alternative uses of data, particularly in credit. So this idea that there's a real benefit to consumers in underwriting,", "words": [ { "word": "so", "start": 1313.3351, "end": 1313.8151, "confidence": 0.9991493, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "that", "start": 1313.8151, "end": 1313.975, "confidence": 0.9973278, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "was", "start": 1313.975, "end": 1314.0549, "confidence": 0.9998809, "punctuated_word": "was", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "a", "start": 1314.0549, "end": 1314.135, "confidence": 0.9970925, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "really", "start": 1314.135, "end": 1314.375, "confidence": 0.99989426, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "long", "start": 1314.375, "end": 1314.535, "confidence": 0.99989724, "punctuated_word": "long", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "answer", "start": 1314.535, "end": 1314.775, "confidence": 0.9998136, "punctuated_word": "answer", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "to", "start": 1314.775, "end": 1314.935, "confidence": 0.9991503, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "a", "start": 1314.935, "end": 1315.015, "confidence": 0.9667841, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "really", "start": 1315.015, "end": 1315.175, "confidence": 0.998312, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.51511496 }, { "word": "short", "start": 1315.175, "end": 1315.415, "confidence": 0.98398983, "punctuated_word": "short", "speaker": 2, "speaker_confidence": 0.394759 }, { "word": "question", "start": 1315.415, "end": 1315.655, "confidence": 0.98322546, "punctuated_word": "question.", "speaker": 2, "speaker_confidence": 0.394759 }, { "word": "that", "start": 1315.655, "end": 1315.8151, "confidence": 0.8061259, "punctuated_word": "That", "speaker": 2, "speaker_confidence": 0.394759 }, { "word": "was", "start": 1315.8151, "end": 1315.975, "confidence": 0.95401204, "punctuated_word": "was", "speaker": 2, "speaker_confidence": 0.394759 }, { "word": "really", "start": 1315.975, "end": 1316.135, "confidence": 0.9959992, "punctuated_word": "really", "speaker": 2, "speaker_confidence": 0.394759 }, { "word": "helpful", "start": 1316.135, "end": 1316.535, "confidence": 0.9995675, "punctuated_word": "helpful.", "speaker": 2, "speaker_confidence": 0.394759 }, { "word": "do", "start": 1316.535, "end": 1316.6951, "confidence": 0.9983851, "punctuated_word": "Do", "speaker": 2, "speaker_confidence": 0.6383335 }, { "word": "you", "start": 1316.6951, "end": 1316.855, "confidence": 0.9992034, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.6383335 }, { "word": "think", "start": 1316.855, "end": 1317.015, "confidence": 0.99888223, "punctuated_word": "think", "speaker": 2, "speaker_confidence": 0.6383335 }, { "word": "the", "start": 1317.015, "end": 1317.255, "confidence": 0.9954086, "punctuated_word": "The", "speaker": 2, "speaker_confidence": 0.6383335 }, { "word": "us", "start": 1317.255, "end": 1317.5751, "confidence": 0.9974776, "punctuated_word": "US", "speaker": 2, "speaker_confidence": 0.6383335 }, { "word": "is", "start": 1317.5751, "end": 1317.895, "confidence": 0.9969893, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.6383335 }, { "word": "is", "start": 1317.895, "end": 1318.055, "confidence": 0.9966468, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.6383335 }, { "word": "getting", "start": 1318.055, "end": 1318.4551, "confidence": 0.9994862, "punctuated_word": "getting", "speaker": 2, "speaker_confidence": 0.6383335 }, { "word": "there", "start": 1318.4551, "end": 1318.775, "confidence": 0.98536086, "punctuated_word": "there?", "speaker": 2, "speaker_confidence": 0.6383335 }, { "word": "do", "start": 1318.775, "end": 1318.935, "confidence": 0.9863018, "punctuated_word": "Do", "speaker": 2, "speaker_confidence": 0.4692983 }, { "word": "you", "start": 1318.935, "end": 1319.015, "confidence": 0.9991542, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.4692983 }, { "word": "think", "start": 1319.015, "end": 1319.255, "confidence": 0.9985043, "punctuated_word": "think", "speaker": 2, "speaker_confidence": 0.4692983 }, { "word": "that", "start": 1319.255, "end": 1319.495, "confidence": 0.99902785, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.4692983 }, { "word": "there", "start": 1319.495, "end": 1319.655, "confidence": 0.9981085, "punctuated_word": "there", "speaker": 2, "speaker_confidence": 0.4692983 }, { "word": "is", "start": 1319.655, "end": 1319.975, "confidence": 0.99802744, "punctuated_word": "is,", "speaker": 2, "speaker_confidence": 0.4692983 }, { "word": "you", "start": 1319.975, "end": 1320.055, "confidence": 0.99827826, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.50399363 }, { "word": "know", "start": 1320.055, "end": 1320.535, "confidence": 0.99887586, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.50399363 }, { "word": "potential", "start": 1320.535, "end": 1321.035, "confidence": 0.9967198, "punctuated_word": "potential", "speaker": 2, "speaker_confidence": 0.50399363 }, { "word": "for", "start": 1321.175, "end": 1321.3351, "confidence": 0.98857635, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.50399363 }, { "word": "that", "start": 1321.3351, "end": 1321.415, "confidence": 0.98830926, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.50399363 }, { "word": "to", "start": 1321.415, "end": 1321.59, "confidence": 0.86223364, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.50399363 }, { "word": "be", "start": 1321.6699, "end": 1321.71, "confidence": 0.94774026, "punctuated_word": "be", "speaker": 2, "speaker_confidence": 0.50399363 }, { "word": "the", "start": 1321.71, "end": 1321.75, "confidence": 0.96570677, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.61291313 }, { "word": "case", "start": 1321.75, "end": 1321.99, "confidence": 0.9744376, "punctuated_word": "case?", "speaker": 2, "speaker_confidence": 0.61291313 }, { "word": "because", "start": 1321.99, "end": 1322.3099, "confidence": 0.71440303, "punctuated_word": "Because,", "speaker": 2, "speaker_confidence": 0.61291313 }, { "word": "obviously", "start": 1322.3099, "end": 1322.71, "confidence": 0.99846727, "punctuated_word": "obviously,", "speaker": 2, "speaker_confidence": 0.61291313 }, { "word": "the", "start": 1322.71, "end": 1323.0299, "confidence": 0.95898336, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.61291313 }, { "word": "the", "start": 1323.0299, "end": 1323.19, "confidence": 0.98543775, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.61291313 }, { "word": "talking", "start": 1323.19, "end": 1323.51, "confidence": 0.9984856, "punctuated_word": "talking", "speaker": 2, "speaker_confidence": 0.61291313 }, { "word": "point", "start": 1323.51, "end": 1323.6699, "confidence": 0.9989672, "punctuated_word": "point", "speaker": 2, "speaker_confidence": 0.61291313 }, { "word": "of", "start": 1323.6699, "end": 1323.9099, "confidence": 0.96668696, "punctuated_word": "of,", "speaker": 2, "speaker_confidence": 0.61291313 }, { "word": "you", "start": 1323.9099, "end": 1323.99, "confidence": 0.9995902, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.66432637 }, { "word": "know", "start": 1323.99, "end": 1324.07, "confidence": 0.9981246, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.66432637 }, { "word": "it's", "start": 1324.07, "end": 1324.3099, "confidence": 0.9975126, "punctuated_word": "it's", "speaker": 2, "speaker_confidence": 0.66432637 }, { "word": "the", "start": 1324.3099, "end": 1324.5499, "confidence": 0.9987809, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.66432637 }, { "word": "consumer's", "start": 1324.5499, "end": 1324.95, "confidence": 0.7765691, "punctuated_word": "consumer's", "speaker": 2, "speaker_confidence": 0.66432637 }, { "word": "data", "start": 1324.95, "end": 1325.19, "confidence": 0.7563525, "punctuated_word": "data,", "speaker": 2, "speaker_confidence": 0.66432637 }, { "word": "it's", "start": 1325.19, "end": 1325.27, "confidence": 0.9761019, "punctuated_word": "it's", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "not", "start": 1325.27, "end": 1325.51, "confidence": 0.99919945, "punctuated_word": "not", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "the", "start": 1325.51, "end": 1325.59, "confidence": 0.99707437, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "bank's", "start": 1325.59, "end": 1325.83, "confidence": 0.9484873, "punctuated_word": "bank's", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "data", "start": 1325.83, "end": 1325.99, "confidence": 0.7036907, "punctuated_word": "data.", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "it's", "start": 1325.99, "end": 1326.07, "confidence": 0.9824288, "punctuated_word": "It's", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "probably", "start": 1326.07, "end": 1326.39, "confidence": 0.99880195, "punctuated_word": "probably", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "gonna", "start": 1326.39, "end": 1326.63, "confidence": 0.9891164, "punctuated_word": "gonna", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "resonate", "start": 1326.63, "end": 1327.0299, "confidence": 0.99942684, "punctuated_word": "resonate", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "with", "start": 1327.0299, "end": 1327.19, "confidence": 0.99957114, "punctuated_word": "with", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "a", "start": 1327.19, "end": 1327.27, "confidence": 0.99939215, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "lot", "start": 1327.27, "end": 1327.4299, "confidence": 0.99967813, "punctuated_word": "lot", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "of", "start": 1327.4299, "end": 1327.59, "confidence": 0.9991241, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "folks", "start": 1327.59, "end": 1327.99, "confidence": 0.9628749, "punctuated_word": "folks.", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "but", "start": 1327.99, "end": 1328.07, "confidence": 0.9991418, "punctuated_word": "But", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "then", "start": 1328.07, "end": 1328.23, "confidence": 0.9892693, "punctuated_word": "then", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "you'll", "start": 1328.23, "end": 1328.47, "confidence": 0.9171133, "punctuated_word": "you'll", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "also", "start": 1328.47, "end": 1328.71, "confidence": 0.9992106, "punctuated_word": "also", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "get", "start": 1328.71, "end": 1328.87, "confidence": 0.9995734, "punctuated_word": "get", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "some", "start": 1328.87, "end": 1329.11, "confidence": 0.9989507, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "people", "start": 1329.11, "end": 1329.35, "confidence": 0.99992406, "punctuated_word": "people", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "saying", "start": 1329.35, "end": 1329.59, "confidence": 0.99171424, "punctuated_word": "saying,", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "well", "start": 1329.59, "end": 1329.83, "confidence": 0.9976134, "punctuated_word": "well,", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "even", "start": 1329.83, "end": 1330.07, "confidence": 0.99933606, "punctuated_word": "even", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "when", "start": 1330.07, "end": 1330.23, "confidence": 0.9964323, "punctuated_word": "when", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "a", "start": 1330.23, "end": 1330.39, "confidence": 0.9913995, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "consumer", "start": 1330.39, "end": 1330.89, "confidence": 0.999673, "punctuated_word": "consumer", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "has", "start": 1331.19, "end": 1331.4299, "confidence": 0.999642, "punctuated_word": "has", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "control", "start": 1331.4299, "end": 1331.75, "confidence": 0.9991774, "punctuated_word": "control", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "of", "start": 1331.75, "end": 1331.9099, "confidence": 0.86284053, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "their", "start": 1331.9099, "end": 1332.07, "confidence": 0.9995609, "punctuated_word": "their", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "data", "start": 1332.07, "end": 1332.39, "confidence": 0.99986506, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "with", "start": 1332.39, "end": 1332.63, "confidence": 0.8291707, "punctuated_word": "with", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "stuff", "start": 1332.63, "end": 1332.87, "confidence": 0.9995035, "punctuated_word": "stuff", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "like", "start": 1332.87, "end": 1333.11, "confidence": 0.95465946, "punctuated_word": "like", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "financial", "start": 1333.11, "end": 1333.59, "confidence": 0.9990478, "punctuated_word": "financial", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "data", "start": 1333.59, "end": 1334.07, "confidence": 0.9829298, "punctuated_word": "data,", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "it's", "start": 1334.07, "end": 1334.23, "confidence": 0.9984243, "punctuated_word": "it's", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "hard", "start": 1334.23, "end": 1334.475, "confidence": 0.99977154, "punctuated_word": "hard", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "to", "start": 1334.475, "end": 1334.715, "confidence": 0.9999174, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "really", "start": 1334.715, "end": 1335.195, "confidence": 0.999146, "punctuated_word": "really", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "take", "start": 1335.195, "end": 1335.515, "confidence": 0.9995572, "punctuated_word": "take", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "control", "start": 1335.515, "end": 1335.9149, "confidence": 0.9996338, "punctuated_word": "control", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "of", "start": 1335.9149, "end": 1336.075, "confidence": 0.9985677, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "that", "start": 1336.075, "end": 1336.315, "confidence": 0.9998461, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "just", "start": 1336.315, "end": 1336.5549, "confidence": 0.85688317, "punctuated_word": "just", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "because", "start": 1336.5549, "end": 1337.035, "confidence": 0.99978536, "punctuated_word": "because", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "you", "start": 1337.035, "end": 1337.195, "confidence": 0.99726224, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "don't", "start": 1337.195, "end": 1337.4349, "confidence": 0.9999554, "punctuated_word": "don't", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "know", "start": 1337.4349, "end": 1337.595, "confidence": 0.99928683, "punctuated_word": "know", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "what's", "start": 1337.595, "end": 1337.835, "confidence": 0.99947196, "punctuated_word": "what's", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "out", "start": 1337.835, "end": 1337.995, "confidence": 0.999848, "punctuated_word": "out", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "there", "start": 1337.995, "end": 1338.235, "confidence": 0.9355356, "punctuated_word": "there.", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "it's", "start": 1338.235, "end": 1338.395, "confidence": 0.99967146, "punctuated_word": "It's", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "in", "start": 1338.395, "end": 1338.5549, "confidence": 0.99841523, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "different", "start": 1338.5549, "end": 1338.7949, "confidence": 0.99955624, "punctuated_word": "different", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "places", "start": 1338.7949, "end": 1339.275, "confidence": 0.7846999, "punctuated_word": "places.", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "so", "start": 1339.275, "end": 1339.4349, "confidence": 0.9984854, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "you", "start": 1339.4349, "end": 1339.595, "confidence": 0.99891984, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "don't", "start": 1339.595, "end": 1339.9149, "confidence": 0.99993294, "punctuated_word": "don't", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "wanna", "start": 1339.9149, "end": 1340.315, "confidence": 0.9714546, "punctuated_word": "wanna", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "lose", "start": 1340.315, "end": 1340.7949, "confidence": 0.99848336, "punctuated_word": "lose", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "control", "start": 1340.7949, "end": 1341.275, "confidence": 0.98730385, "punctuated_word": "control.", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "so", "start": 1341.275, "end": 1341.515, "confidence": 0.9994956, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "even", "start": 1341.515, "end": 1341.6749, "confidence": 0.99724674, "punctuated_word": "even", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "though", "start": 1341.6749, "end": 1341.835, "confidence": 0.9995827, "punctuated_word": "though", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "they", "start": 1341.835, "end": 1341.995, "confidence": 0.998489, "punctuated_word": "they", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "may", "start": 1341.995, "end": 1342.155, "confidence": 0.99548954, "punctuated_word": "may", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "make", "start": 1342.155, "end": 1342.395, "confidence": 0.99924326, "punctuated_word": "make", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "some", "start": 1342.395, "end": 1342.5549, "confidence": 0.9995485, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "choices", "start": 1342.5549, "end": 1343.035, "confidence": 0.9955783, "punctuated_word": "choices,", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "it's", "start": 1343.035, "end": 1343.355, "confidence": 0.9995501, "punctuated_word": "it's", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "easy", "start": 1343.355, "end": 1343.6749, "confidence": 0.99927205, "punctuated_word": "easy", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "to", "start": 1343.6749, "end": 1344.075, "confidence": 0.99683017, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "lose", "start": 1344.075, "end": 1344.475, "confidence": 0.99911493, "punctuated_word": "lose", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "control", "start": 1344.475, "end": 1344.975, "confidence": 0.9972711, "punctuated_word": "control", "speaker": 2, "speaker_confidence": 0.99530417 }, { "word": "if", "start": 1345.195, "end": 1345.355, "confidence": 0.9477834, "punctuated_word": "if", "speaker": 2, "speaker_confidence": 0.49805653 }, { "word": "you", "start": 1345.355, "end": 1345.515, "confidence": 0.9996582, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.49805653 }, { "word": "put", "start": 1345.515, "end": 1345.755, "confidence": 0.99984694, "punctuated_word": "put", "speaker": 2, "speaker_confidence": 0.49805653 }, { "word": "it", "start": 1345.755, "end": 1345.835, "confidence": 0.99892235, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.49805653 }, { "word": "out", "start": 1345.835, "end": 1345.995, "confidence": 0.9995276, "punctuated_word": "out", "speaker": 2, "speaker_confidence": 0.49805653 }, { "word": "there", "start": 1345.995, "end": 1346.235, "confidence": 0.999241, "punctuated_word": "there", "speaker": 2, "speaker_confidence": 0.49805653 }, { "word": "too", "start": 1346.235, "end": 1346.395, "confidence": 0.99903774, "punctuated_word": "too", "speaker": 2, "speaker_confidence": 0.49805653 }, { "word": "much", "start": 1346.395, "end": 1346.5549, "confidence": 0.99960494, "punctuated_word": "much.", "speaker": 2, "speaker_confidence": 0.49805653 }, { "word": "so", "start": 1346.5549, "end": 1346.715, "confidence": 0.99917907, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.4328494 }, { "word": "how", "start": 1346.715, "end": 1346.875, "confidence": 0.9984139, "punctuated_word": "how", "speaker": 2, "speaker_confidence": 0.4328494 }, { "word": "does", "start": 1346.875, "end": 1347.035, "confidence": 0.9991033, "punctuated_word": "does", "speaker": 2, "speaker_confidence": 0.4328494 }, { "word": "the", "start": 1347.035, "end": 1347.195, "confidence": 0.99868923, "punctuated_word": "The", "speaker": 2, "speaker_confidence": 0.4328494 }, { "word": "us", "start": 1347.195, "end": 1347.695, "confidence": 0.9954704, "punctuated_word": "US", "speaker": 2, "speaker_confidence": 0.4328494 }, { "word": "get", "start": 1347.835, "end": 1348.02, "confidence": 0.7691858, "punctuated_word": "get", "speaker": 2, "speaker_confidence": 0.4328494 }, { "word": "to", "start": 1348.1, "end": 1348.26, "confidence": 0.9989436, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.4328494 }, { "word": "kind", "start": 1348.26, "end": 1348.38, "confidence": 0.9361689, "punctuated_word": "kind", "speaker": 2, "speaker_confidence": 0.4328494 }, { "word": "of", "start": 1348.38, "end": 1348.5, "confidence": 0.999458, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "the", "start": 1348.5, "end": 1348.74, "confidence": 0.95694125, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "vision", "start": 1348.74, "end": 1348.98, "confidence": 0.9981546, "punctuated_word": "vision", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "where", "start": 1348.98, "end": 1349.48, "confidence": 0.99264985, "punctuated_word": "where", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "the", "start": 1349.62, "end": 1349.78, "confidence": 0.9985763, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "consumer", "start": 1349.78, "end": 1350.26, "confidence": 0.99983096, "punctuated_word": "consumer", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "has", "start": 1350.26, "end": 1350.5801, "confidence": 0.9996257, "punctuated_word": "has", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "true", "start": 1350.5801, "end": 1350.9, "confidence": 0.9841719, "punctuated_word": "true", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "control", "start": 1350.9, "end": 1351.3, "confidence": 0.99735284, "punctuated_word": "control", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "is", "start": 1351.3, "end": 1351.46, "confidence": 0.41401172, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "making", "start": 1351.46, "end": 1351.78, "confidence": 0.9995301, "punctuated_word": "making", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "those", "start": 1351.78, "end": 1352.02, "confidence": 0.9996928, "punctuated_word": "those", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "informed", "start": 1352.02, "end": 1352.42, "confidence": 0.98254573, "punctuated_word": "informed", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "decisions", "start": 1352.42, "end": 1352.9, "confidence": 0.999328, "punctuated_word": "decisions", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "and", "start": 1352.9, "end": 1353.14, "confidence": 0.97696596, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "taking", "start": 1353.14, "end": 1353.46, "confidence": 0.99930525, "punctuated_word": "taking", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "advantage", "start": 1353.46, "end": 1353.9401, "confidence": 0.99938357, "punctuated_word": "advantage", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "of", "start": 1353.9401, "end": 1354.02, "confidence": 0.6592417, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "all", "start": 1354.02, "end": 1354.1, "confidence": 0.99192655, "punctuated_word": "all", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "this", "start": 1354.1, "end": 1354.26, "confidence": 0.9605547, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "great", "start": 1354.26, "end": 1354.5, "confidence": 0.99877614, "punctuated_word": "great", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "fintech", "start": 1354.5, "end": 1355.0, "confidence": 0.95192, "punctuated_word": "fintech?", "speaker": 2, "speaker_confidence": 0.87195677 }, { "word": "so", "start": 1355.06, "end": 1355.14, "confidence": 0.99943525, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "i", "start": 1355.14, "end": 1355.22, "confidence": 0.99821293, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "think", "start": 1355.22, "end": 1355.46, "confidence": 0.99992955, "punctuated_word": "think", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "the", "start": 1355.46, "end": 1355.7001, "confidence": 0.9683888, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "the", "start": 1355.7001, "end": 1355.78, "confidence": 0.99598324, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "great", "start": 1355.78, "end": 1356.02, "confidence": 0.999418, "punctuated_word": "great", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "news", "start": 1356.02, "end": 1356.34, "confidence": 0.99977344, "punctuated_word": "news", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "is", "start": 1356.34, "end": 1356.5801, "confidence": 0.9997285, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "that", "start": 1356.5801, "end": 1356.8201, "confidence": 0.99479634, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "the", "start": 1356.8201, "end": 1356.98, "confidence": 0.99834156, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "regulators", "start": 1356.98, "end": 1357.46, "confidence": 0.9993606, "punctuated_word": "regulators", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "here", "start": 1357.46, "end": 1357.7001, "confidence": 0.9990735, "punctuated_word": "here", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "in", "start": 1357.7001, "end": 1357.9401, "confidence": 0.90579915, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "congress", "start": 1357.9401, "end": 1358.42, "confidence": 0.5153415, "punctuated_word": "Congress", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "have", "start": 1358.42, "end": 1358.66, "confidence": 0.9990532, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "started", "start": 1358.66, "end": 1359.06, "confidence": 0.9994006, "punctuated_word": "started", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "a", "start": 1359.06, "end": 1359.14, "confidence": 0.940564, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "long", "start": 1359.14, "end": 1359.46, "confidence": 0.9879409, "punctuated_word": "long", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "process", "start": 1359.46, "end": 1359.96, "confidence": 0.99598444, "punctuated_word": "process", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "to", "start": 1360.02, "end": 1360.18, "confidence": 0.9979473, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "figure", "start": 1360.18, "end": 1360.42, "confidence": 0.99986684, "punctuated_word": "figure", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "this", "start": 1360.42, "end": 1360.66, "confidence": 0.99678254, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "out", "start": 1360.66, "end": 1360.8201, "confidence": 0.9976548, "punctuated_word": "out.", "speaker": 1, "speaker_confidence": 0.6581117 }, { "word": "i", "start": 1360.8201, "end": 1360.9, "confidence": 0.9896292, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "can't", "start": 1360.9, "end": 1361.14, "confidence": 0.99579245, "punctuated_word": "can't", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "tell", "start": 1361.14, "end": 1361.3, "confidence": 0.9975326, "punctuated_word": "tell", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "you", "start": 1361.3, "end": 1361.46, "confidence": 0.99790716, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "how", "start": 1361.46, "end": 1361.54, "confidence": 0.9947061, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "much", "start": 1361.54, "end": 1361.7001, "confidence": 0.99215347, "punctuated_word": "much", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "time", "start": 1361.7001, "end": 1361.86, "confidence": 0.9838631, "punctuated_word": "time", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "it's", "start": 1361.86, "end": 1361.955, "confidence": 0.8202219, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "it's", "start": 1361.955, "end": 1362.2815, "confidence": 0.95952046, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "gonna", "start": 1362.2815, "end": 1362.608, "confidence": 0.9984394, "punctuated_word": "gonna", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "take", "start": 1362.608, "end": 1362.9347, "confidence": 0.999166, "punctuated_word": "take", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "or", "start": 1362.9347, "end": 1363.2612, "confidence": 0.98850656, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "what", "start": 1363.2612, "end": 1363.5878, "confidence": 0.9989416, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.51604325 }, { "word": "it", "start": 1363.5878, "end": 1363.9143, "confidence": 0.9994778, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.16461504 }, { "word": "looks", "start": 1363.9143, "end": 1364.2408, "confidence": 0.9996549, "punctuated_word": "looks", "speaker": 2, "speaker_confidence": 0.16461504 }, { "word": "like", "start": 1364.2408, "end": 1364.5675, "confidence": 0.9950423, "punctuated_word": "like", "speaker": 2, "speaker_confidence": 0.16461504 }, { "word": "when", "start": 1364.5675, "end": 1364.894, "confidence": 0.96470803, "punctuated_word": "when", "speaker": 2, "speaker_confidence": 0.16461504 }, { "word": "it's", "start": 1364.894, "end": 1365.2206, "confidence": 0.95583177, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "done", "start": 1365.2206, "end": 1365.5471, "confidence": 0.98306084, "punctuated_word": "done.", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "what", "start": 1365.5471, "end": 1365.8738, "confidence": 0.9250585, "punctuated_word": "What?", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "but", "start": 1365.8738, "end": 1366.2003, "confidence": 0.9980165, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "they've", "start": 1366.2003, "end": 1366.5269, "confidence": 0.8689995, "punctuated_word": "they've", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "started", "start": 1366.5269, "end": 1366.8534, "confidence": 0.74456185, "punctuated_word": "started.", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 1366.8534, "end": 1367.1799, "confidence": 0.99922264, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "a", "start": 1367.1799, "end": 1367.5066, "confidence": 0.9997538, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "few", "start": 1367.5066, "end": 1367.8331, "confidence": 0.9999844, "punctuated_word": "few", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "important", "start": 1367.8331, "end": 1368.1597, "confidence": 0.99989474, "punctuated_word": "important", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "developments", "start": 1368.1597, "end": 1368.4862, "confidence": 0.9996288, "punctuated_word": "developments", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "really", "start": 1368.4862, "end": 1368.8127, "confidence": 0.5073968, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "just", "start": 1368.8127, "end": 1369.1394, "confidence": 0.99328107, "punctuated_word": "just", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "in", "start": 1369.1394, "end": 1369.466, "confidence": 0.9997439, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1369.466, "end": 1369.7925, "confidence": 0.9992773, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "past", "start": 1369.7925, "end": 1370.119, "confidence": 0.9998679, "punctuated_word": "past", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "few", "start": 1370.119, "end": 1370.4456, "confidence": 0.98190546, "punctuated_word": "few", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "months", "start": 1370.4456, "end": 1370.7722, "confidence": 0.996428, "punctuated_word": "months.", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "right", "start": 1370.7722, "end": 1371.0988, "confidence": 0.99493957, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "so", "start": 1371.0988, "end": 1371.4253, "confidence": 0.9996625, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "the", "start": 1371.4253, "end": 1371.7518, "confidence": 0.9996375, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "cfpb", "start": 1371.7518, "end": 1372.0784, "confidence": 0.99961406, "punctuated_word": "CFPB", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "put", "start": 1372.0784, "end": 1372.405, "confidence": 0.99977547, "punctuated_word": "put", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "out", "start": 1372.405, "end": 1372.7316, "confidence": 0.9998235, "punctuated_word": "out", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "its", "start": 1372.7316, "end": 1373.0581, "confidence": 0.99817324, "punctuated_word": "its", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "request", "start": 1373.0581, "end": 1373.3846, "confidence": 0.9973199, "punctuated_word": "request", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "for", "start": 1373.3846, "end": 1373.7112, "confidence": 0.9992021, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "information", "start": 1373.7112, "end": 1374.0378, "confidence": 0.9997677, "punctuated_word": "information", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "in", "start": 1374.0378, "end": 1374.3644, "confidence": 0.9995241, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "november", "start": 1374.3644, "end": 1374.6909, "confidence": 0.99995255, "punctuated_word": "November", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "on", "start": 1374.6909, "end": 1375.0175, "confidence": 0.7509606, "punctuated_word": "on,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "data", "start": 1375.3441, "end": 1375.6707, "confidence": 0.99777275, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "access", "start": 1375.6707, "end": 1375.9972, "confidence": 0.9970196, "punctuated_word": "access,", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "which", "start": 1375.9972, "end": 1376.3237, "confidence": 0.9997316, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "is", "start": 1376.3237, "end": 1376.6503, "confidence": 0.99958557, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "really", "start": 1376.6503, "end": 1376.9769, "confidence": 0.997012, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "this", "start": 1376.9769, "end": 1377.3035, "confidence": 0.99933535, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "idea", "start": 1377.3035, "end": 1377.63, "confidence": 0.9985343, "punctuated_word": "idea", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "of", "start": 1377.71, "end": 1377.95, "confidence": 0.9998215, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "how", "start": 1377.95, "end": 1378.11, "confidence": 0.99956614, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "consumers", "start": 1378.11, "end": 1378.59, "confidence": 0.9997625, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "can", "start": 1378.59, "end": 1378.75, "confidence": 0.99987113, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "get", "start": 1378.75, "end": 1378.91, "confidence": 0.9998821, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "their", "start": 1378.91, "end": 1379.07, "confidence": 0.9997553, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "data", "start": 1379.07, "end": 1379.23, "confidence": 0.9995921, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "and", "start": 1379.23, "end": 1379.31, "confidence": 0.8647828, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "what", "start": 1379.31, "end": 1379.47, "confidence": 0.99989223, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "they", "start": 1379.47, "end": 1379.55, "confidence": 0.99991536, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "can", "start": 1379.55, "end": 1379.71, "confidence": 0.99983, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "do", "start": 1379.71, "end": 1379.79, "confidence": 0.9994319, "punctuated_word": "do", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "with", "start": 1379.79, "end": 1379.95, "confidence": 0.999622, "punctuated_word": "with", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "it", "start": 1379.95, "end": 1380.11, "confidence": 0.99973696, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "in", "start": 1380.11, "end": 1380.27, "confidence": 0.9961163, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 1.0 }, { "word": "a", "start": 1380.27, "end": 1380.35, "confidence": 0.9518072, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "financial", "start": 1380.35, "end": 1380.75, "confidence": 0.99994147, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "sense", "start": 1380.75, "end": 1380.99, "confidence": 0.9998933, "punctuated_word": "sense", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "once", "start": 1380.99, "end": 1381.23, "confidence": 0.9932284, "punctuated_word": "once", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "they", "start": 1381.23, "end": 1381.31, "confidence": 0.99988425, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "have", "start": 1381.31, "end": 1381.47, "confidence": 0.9999298, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "it", "start": 1381.47, "end": 1381.97, "confidence": 0.98968446, "punctuated_word": "it.", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "then", "start": 1382.11, "end": 1382.35, "confidence": 0.9991202, "punctuated_word": "Then", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "they", "start": 1382.35, "end": 1382.43, "confidence": 0.99812466, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "put", "start": 1382.43, "end": 1382.59, "confidence": 0.99922454, "punctuated_word": "put", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "out", "start": 1382.59, "end": 1382.75, "confidence": 0.99886864, "punctuated_word": "out", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "a", "start": 1382.75, "end": 1382.83, "confidence": 0.9984444, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "request", "start": 1382.83, "end": 1383.15, "confidence": 0.99981135, "punctuated_word": "request", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "for", "start": 1383.15, "end": 1383.31, "confidence": 0.9763476, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "information", "start": 1383.31, "end": 1383.81, "confidence": 0.9997694, "punctuated_word": "information", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "on", "start": 1383.95, "end": 1384.45, "confidence": 0.9997342, "punctuated_word": "on", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "alternative", "start": 1384.51, "end": 1385.01, "confidence": 0.9998448, "punctuated_word": "alternative", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "uses", "start": 1385.07, "end": 1385.47, "confidence": 0.9983163, "punctuated_word": "uses", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "of", "start": 1385.47, "end": 1385.55, "confidence": 0.9996124, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "data", "start": 1385.55, "end": 1386.03, "confidence": 0.99152094, "punctuated_word": "data,", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "particularly", "start": 1386.03, "end": 1386.43, "confidence": 0.99955934, "punctuated_word": "particularly", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "in", "start": 1386.43, "end": 1386.59, "confidence": 0.9834013, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "credit", "start": 1386.59, "end": 1387.09, "confidence": 0.98767054, "punctuated_word": "credit.", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "so", "start": 1387.31, "end": 1387.55, "confidence": 0.99800843, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "this", "start": 1387.55, "end": 1387.79, "confidence": 0.9920576, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "idea", "start": 1387.79, "end": 1388.03, "confidence": 0.99979967, "punctuated_word": "idea", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "that", "start": 1388.03, "end": 1388.27, "confidence": 0.9982054, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "there's", "start": 1388.27, "end": 1388.51, "confidence": 0.9977162, "punctuated_word": "there's", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "a", "start": 1388.51, "end": 1388.67, "confidence": 0.99552673, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "real", "start": 1388.67, "end": 1388.91, "confidence": 0.9992501, "punctuated_word": "real", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "benefit", "start": 1388.91, "end": 1389.39, "confidence": 0.99880886, "punctuated_word": "benefit", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "to", "start": 1389.39, "end": 1389.47, "confidence": 0.99315405, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "consumers", "start": 1389.47, "end": 1389.95, "confidence": 0.9984635, "punctuated_word": "consumers", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "in", "start": 1389.95, "end": 1390.03, "confidence": 0.5277318, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "underwriting", "start": 1390.03, "end": 1390.1975, "confidence": 0.8462841, "punctuated_word": "underwriting,", "speaker": 1, "speaker_confidence": 0.9480858 } ], "speaker": 2, "id": "b6a39b4c-79a8-4efd-9e24-4f7aa3880602" }, { "start": 1390.845, "end": 1395.1849, "confidence": 0.9977523, "channel": 0, "transcript": "underwriting, if they can take their transactional information and leverage it as another tool", "words": [ { "word": "underwriting", "start": 1390.845, "end": 1391.245, "confidence": 0.97368556, "punctuated_word": "underwriting,", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "if", "start": 1391.405, "end": 1391.565, "confidence": 0.99962425, "punctuated_word": "if", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "they", "start": 1391.565, "end": 1391.8049, "confidence": 0.99989533, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "can", "start": 1391.8049, "end": 1392.045, "confidence": 0.999724, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "take", "start": 1392.045, "end": 1392.285, "confidence": 0.99989355, "punctuated_word": "take", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "their", "start": 1392.285, "end": 1392.525, "confidence": 0.9998078, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "transactional", "start": 1392.525, "end": 1393.025, "confidence": 0.9985409, "punctuated_word": "transactional", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "information", "start": 1393.085, "end": 1393.485, "confidence": 0.9997104, "punctuated_word": "information", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "and", "start": 1393.485, "end": 1393.645, "confidence": 0.99868983, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "leverage", "start": 1393.645, "end": 1394.045, "confidence": 0.9998234, "punctuated_word": "leverage", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "it", "start": 1394.045, "end": 1394.205, "confidence": 0.9995191, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "as", "start": 1394.205, "end": 1394.365, "confidence": 0.9998715, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "another", "start": 1394.365, "end": 1394.6849, "confidence": 0.9998254, "punctuated_word": "another", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "tool", "start": 1394.6849, "end": 1395.1849, "confidence": 0.9999205, "punctuated_word": "tool", "speaker": 1, "speaker_confidence": 0.9480858 } ], "speaker": 1, "id": "e160eeef-479a-497b-8b78-3b041310ee96" }, { "start": 1395.885, "end": 1397.345, "confidence": 0.99467504, "channel": 0, "transcript": "beyond just a credit score", "words": [ { "word": "beyond", "start": 1395.885, "end": 1396.285, "confidence": 0.9748273, "punctuated_word": "beyond", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "just", "start": 1396.285, "end": 1396.445, "confidence": 0.99988294, "punctuated_word": "just", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "a", "start": 1396.445, "end": 1396.525, "confidence": 0.9989427, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "credit", "start": 1396.525, "end": 1396.845, "confidence": 0.99997437, "punctuated_word": "credit", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "score", "start": 1396.845, "end": 1397.345, "confidence": 0.9997483, "punctuated_word": "score", "speaker": 1, "speaker_confidence": 0.9480858 } ], "speaker": 1, "id": "af3d8306-9f39-4d56-855d-3d8f45174cb2" }, { "start": 1397.645, "end": 1404.465, "confidence": 0.97842556, "channel": 0, "transcript": "to get better pricing on credit products. The OCC, of course, has its proposed fintech charter, which is trying to bring into,", "words": [ { "word": "to", "start": 1397.645, "end": 1397.885, "confidence": 0.9661054, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "get", "start": 1397.885, "end": 1398.205, "confidence": 0.9998938, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "better", "start": 1398.205, "end": 1398.525, "confidence": 0.999933, "punctuated_word": "better", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "pricing", "start": 1398.525, "end": 1399.005, "confidence": 0.9997991, "punctuated_word": "pricing", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "on", "start": 1399.005, "end": 1399.245, "confidence": 0.9999025, "punctuated_word": "on", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "credit", "start": 1399.245, "end": 1399.565, "confidence": 0.9993455, "punctuated_word": "credit", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "products", "start": 1399.565, "end": 1400.065, "confidence": 0.99402833, "punctuated_word": "products.", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "the", "start": 1400.205, "end": 1400.445, "confidence": 0.9995592, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "occ", "start": 1400.445, "end": 1400.925, "confidence": 0.99503183, "punctuated_word": "OCC,", "speaker": 1, "speaker_confidence": 0.9480858 }, { "word": "of", "start": 1400.925, "end": 1401.005, "confidence": 0.9998379, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "course", "start": 1401.005, "end": 1401.245, "confidence": 0.9995656, "punctuated_word": "course,", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "has", "start": 1401.245, "end": 1401.485, "confidence": 0.97067857, "punctuated_word": "has", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "its", "start": 1401.485, "end": 1401.565, "confidence": 0.8413383, "punctuated_word": "its", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "proposed", "start": 1401.565, "end": 1401.965, "confidence": 0.99717194, "punctuated_word": "proposed", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "fintech", "start": 1401.965, "end": 1402.365, "confidence": 0.97380286, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "charter", "start": 1402.365, "end": 1402.765, "confidence": 0.97581875, "punctuated_word": "charter,", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "which", "start": 1402.765, "end": 1403.005, "confidence": 0.99983096, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "is", "start": 1403.005, "end": 1403.165, "confidence": 0.9997749, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "trying", "start": 1403.165, "end": 1403.485, "confidence": 0.9998222, "punctuated_word": "trying", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "to", "start": 1403.485, "end": 1403.645, "confidence": 0.9989497, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "bring", "start": 1403.645, "end": 1403.965, "confidence": 0.99988043, "punctuated_word": "bring", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "into", "start": 1403.965, "end": 1404.465, "confidence": 0.8152946, "punctuated_word": "into,", "speaker": 1, "speaker_confidence": 0.91535175 } ], "speaker": 1, "id": "5a6f0b7f-c511-47e1-93ae-b7ac3f8d381a" }, { "start": 1405.085, "end": 1406.3049, "confidence": 0.9930023, "channel": 0, "transcript": "preempted federal", "words": [ { "word": "preempted", "start": 1405.085, "end": 1405.585, "confidence": 0.98840284, "punctuated_word": "preempted", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "federal", "start": 1405.8049, "end": 1406.3049, "confidence": 0.9976018, "punctuated_word": "federal", "speaker": 1, "speaker_confidence": 0.91535175 } ], "speaker": 1, "id": "9aaa2d5c-267f-408f-81dd-5901364ecd30" }, { "start": 1406.6599, "end": 1408.9199, "confidence": 0.9759213, "channel": 0, "transcript": "state supervision of, fintech,", "words": [ { "word": "state", "start": 1406.6599, "end": 1407.1599, "confidence": 0.999241, "punctuated_word": "state", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "supervision", "start": 1407.22, "end": 1407.7, "confidence": 0.98211205, "punctuated_word": "supervision", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "of", "start": 1407.7, "end": 1408.1, "confidence": 0.99066895, "punctuated_word": "of,", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "fintech", "start": 1408.4199, "end": 1408.9199, "confidence": 0.93166304, "punctuated_word": "fintech,", "speaker": 1, "speaker_confidence": 0.91535175 } ], "speaker": 1, "id": "2be8dbb6-85b9-4211-adb4-09e45a11cda1" }, { "start": 1409.7, "end": 1411.64, "confidence": 0.9963098, "channel": 0, "transcript": "firms that are involved in bank type services.", "words": [ { "word": "firms", "start": 1409.7, "end": 1410.02, "confidence": 0.9997937, "punctuated_word": "firms", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "that", "start": 1410.02, "end": 1410.1799, "confidence": 0.9995784, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "are", "start": 1410.1799, "end": 1410.34, "confidence": 0.99981827, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "involved", "start": 1410.34, "end": 1410.58, "confidence": 0.99841905, "punctuated_word": "involved", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "in", "start": 1410.58, "end": 1410.74, "confidence": 0.9988716, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "bank", "start": 1410.74, "end": 1410.98, "confidence": 0.9937909, "punctuated_word": "bank", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "type", "start": 1410.98, "end": 1411.14, "confidence": 0.98151314, "punctuated_word": "type", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "services", "start": 1411.14, "end": 1411.64, "confidence": 0.9986933, "punctuated_word": "services.", "speaker": 1, "speaker_confidence": 0.91535175 } ], "speaker": 1, "id": "9135c2ce-8995-4175-8a66-ab6a300e3054" }, { "start": 1412.26, "end": 1415.7999, "confidence": 0.97803116, "channel": 0, "transcript": "The FDIC, the OCC, and the Fed came out with a cybersecurity", "words": [ { "word": "the", "start": 1412.26, "end": 1412.4199, "confidence": 0.9995803, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "fdic", "start": 1412.4199, "end": 1412.9199, "confidence": 0.99874467, "punctuated_word": "FDIC,", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "the", "start": 1413.14, "end": 1413.38, "confidence": 0.9986884, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "occ", "start": 1413.38, "end": 1413.86, "confidence": 0.992008, "punctuated_word": "OCC,", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "and", "start": 1413.86, "end": 1414.1, "confidence": 0.9996911, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "the", "start": 1414.1, "end": 1414.34, "confidence": 0.9980558, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "fed", "start": 1414.34, "end": 1414.74, "confidence": 0.8998427, "punctuated_word": "Fed", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "came", "start": 1414.74, "end": 1414.9, "confidence": 0.9982546, "punctuated_word": "came", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "out", "start": 1414.9, "end": 1415.0599, "confidence": 0.9991842, "punctuated_word": "out", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "with", "start": 1415.0599, "end": 1415.22, "confidence": 0.9997129, "punctuated_word": "with", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "a", "start": 1415.22, "end": 1415.2999, "confidence": 0.9206514, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "cybersecurity", "start": 1415.2999, "end": 1415.7999, "confidence": 0.9319596, "punctuated_word": "cybersecurity", "speaker": 1, "speaker_confidence": 0.91535175 } ], "speaker": 1, "id": "e610885a-b044-4281-bb8c-6a6bc440a420" }, { "start": 1416.26, "end": 1416.76, "confidence": 0.8658235, "channel": 0, "transcript": "ANPR,", "words": [ { "word": "anpr", "start": 1416.26, "end": 1416.76, "confidence": 0.8658235, "punctuated_word": "ANPR,", "speaker": 1, "speaker_confidence": 0.91535175 } ], "speaker": 1, "id": "5ceb530c-9163-4952-ac1b-b0130641ac95" }, { "start": 1417.5399, "end": 1424.335, "confidence": 0.9537545, "channel": 0, "transcript": "late last year, early this year, which is really on cybersecurity, but has a whole section on what they call external dependencies, which is really fintech.", "words": [ { "word": "late", "start": 1417.5399, "end": 1417.7799, "confidence": 0.99939585, "punctuated_word": "late", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "last", "start": 1417.7799, "end": 1418.02, "confidence": 0.9995746, "punctuated_word": "last", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "year", "start": 1418.02, "end": 1418.1799, "confidence": 0.86131096, "punctuated_word": "year,", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "early", "start": 1418.1799, "end": 1418.4199, "confidence": 0.9918503, "punctuated_word": "early", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "this", "start": 1418.4199, "end": 1418.58, "confidence": 0.99830025, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "year", "start": 1418.58, "end": 1419.08, "confidence": 0.98679274, "punctuated_word": "year,", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "which", "start": 1419.2999, "end": 1419.5399, "confidence": 0.99674547, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "is", "start": 1419.5399, "end": 1419.7799, "confidence": 0.9987068, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "really", "start": 1419.7799, "end": 1420.02, "confidence": 0.99569315, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "on", "start": 1420.02, "end": 1420.1799, "confidence": 0.99196774, "punctuated_word": "on", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "cybersecurity", "start": 1420.1799, "end": 1420.6799, "confidence": 0.82181764, "punctuated_word": "cybersecurity,", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "but", "start": 1420.9, "end": 1421.0599, "confidence": 0.99620503, "punctuated_word": "but", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "has", "start": 1421.0599, "end": 1421.22, "confidence": 0.9629361, "punctuated_word": "has", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "a", "start": 1421.22, "end": 1421.2999, "confidence": 0.9201944, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "whole", "start": 1421.2999, "end": 1421.595, "confidence": 0.99022067, "punctuated_word": "whole", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "section", "start": 1421.595, "end": 1421.755, "confidence": 0.35736227, "punctuated_word": "section", "speaker": 1, "speaker_confidence": 0.91535175 }, { "word": "on", "start": 1421.755, "end": 1421.835, "confidence": 0.99736613, "punctuated_word": "on", "speaker": 1, "speaker_confidence": 0.5859546 }, { "word": "what", "start": 1421.835, "end": 1421.995, "confidence": 0.97649574, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.5859546 }, { "word": "they", "start": 1421.995, "end": 1422.075, "confidence": 0.9996356, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.5859546 }, { "word": "call", "start": 1422.075, "end": 1422.475, "confidence": 0.9982266, "punctuated_word": "call", "speaker": 1, "speaker_confidence": 0.5859546 }, { "word": "external", "start": 1422.475, "end": 1422.7949, "confidence": 0.99886787, "punctuated_word": "external", "speaker": 1, "speaker_confidence": 0.5859546 }, { "word": "dependencies", "start": 1422.7949, "end": 1423.2949, "confidence": 0.98752034, "punctuated_word": "dependencies,", "speaker": 1, "speaker_confidence": 0.5859546 }, { "word": "which", "start": 1423.355, "end": 1423.515, "confidence": 0.99990654, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 0.5859546 }, { "word": "is", "start": 1423.515, "end": 1423.6749, "confidence": 0.99971205, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.5859546 }, { "word": "really", "start": 1423.6749, "end": 1423.835, "confidence": 0.99940836, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.5859546 }, { "word": "fintech", "start": 1423.835, "end": 1424.335, "confidence": 0.9714038, "punctuated_word": "fintech.", "speaker": 1, "speaker_confidence": 0.5859546 } ], "speaker": 1, "id": "dd538f09-1b26-4644-ab89-5b89e2c6aa90" }, { "start": 1424.875, "end": 1430.4149, "confidence": 0.93927026, "channel": 0, "transcript": "So they're starting. And in the Hill, we've seen the innovation initiatives from, congressman McHenry and congressman McCarthy,", "words": [ { "word": "so", "start": 1424.875, "end": 1425.0349, "confidence": 0.9996061, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "they're", "start": 1425.0349, "end": 1425.275, "confidence": 0.99637365, "punctuated_word": "they're", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "starting", "start": 1425.275, "end": 1425.6749, "confidence": 0.98339057, "punctuated_word": "starting.", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "and", "start": 1425.6749, "end": 1425.835, "confidence": 0.9987936, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "in", "start": 1425.835, "end": 1425.9149, "confidence": 0.9377193, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "the", "start": 1425.9149, "end": 1426.075, "confidence": 0.87898, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "hill", "start": 1426.075, "end": 1426.235, "confidence": 0.7585842, "punctuated_word": "Hill,", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "we've", "start": 1426.235, "end": 1426.475, "confidence": 0.9975773, "punctuated_word": "we've", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "seen", "start": 1426.475, "end": 1426.715, "confidence": 0.99765563, "punctuated_word": "seen", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "the", "start": 1426.715, "end": 1426.875, "confidence": 0.995854, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "innovation", "start": 1426.875, "end": 1427.355, "confidence": 0.9801333, "punctuated_word": "innovation", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "initiatives", "start": 1427.355, "end": 1427.855, "confidence": 0.8509469, "punctuated_word": "initiatives", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "from", "start": 1427.995, "end": 1428.315, "confidence": 0.99262345, "punctuated_word": "from,", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "congressman", "start": 1428.5549, "end": 1428.955, "confidence": 0.6335876, "punctuated_word": "congressman", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "mchenry", "start": 1428.955, "end": 1429.355, "confidence": 0.96477836, "punctuated_word": "McHenry", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "and", "start": 1429.355, "end": 1429.515, "confidence": 0.992967, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "congressman", "start": 1429.515, "end": 1429.9149, "confidence": 0.9782386, "punctuated_word": "congressman", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "mccarthy", "start": 1429.9149, "end": 1430.4149, "confidence": 0.96905446, "punctuated_word": "McCarthy,", "speaker": 1, "speaker_confidence": 0.8700347 } ], "speaker": 1, "id": "5e334d4f-ab25-4e21-be7b-e4ee84aca452" }, { "start": 1430.715, "end": 1439.79, "confidence": 0.96089786, "channel": 0, "transcript": "which is all about trying to really grow the innovation that's happening in fintech and make it more available, both from a how do you finance it at the front end to how do you use APIs to", "words": [ { "word": "which", "start": 1430.715, "end": 1430.955, "confidence": 0.9997254, "punctuated_word": "which", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "is", "start": 1430.955, "end": 1431.115, "confidence": 0.99971884, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "all", "start": 1431.115, "end": 1431.275, "confidence": 0.99988186, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "about", "start": 1431.275, "end": 1431.775, "confidence": 0.9998591, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "trying", "start": 1432.075, "end": 1432.395, "confidence": 0.9992367, "punctuated_word": "trying", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "to", "start": 1432.395, "end": 1432.715, "confidence": 0.9998604, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "really", "start": 1432.715, "end": 1432.955, "confidence": 0.9991793, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "grow", "start": 1432.955, "end": 1433.355, "confidence": 0.9992151, "punctuated_word": "grow", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "the", "start": 1433.355, "end": 1433.4349, "confidence": 0.99858, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "innovation", "start": 1433.4349, "end": 1433.755, "confidence": 0.8457063, "punctuated_word": "innovation", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "that's", "start": 1433.755, "end": 1433.9149, "confidence": 0.9812896, "punctuated_word": "that's", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "happening", "start": 1433.9149, "end": 1434.235, "confidence": 0.9991278, "punctuated_word": "happening", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "in", "start": 1434.235, "end": 1434.315, "confidence": 0.8285113, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "fintech", "start": 1434.315, "end": 1434.635, "confidence": 0.9582662, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "and", "start": 1434.635, "end": 1434.7949, "confidence": 0.960793, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "make", "start": 1434.7949, "end": 1434.955, "confidence": 0.99325234, "punctuated_word": "make", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "it", "start": 1434.955, "end": 1435.115, "confidence": 0.99919933, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "more", "start": 1435.115, "end": 1435.275, "confidence": 0.9996716, "punctuated_word": "more", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "available", "start": 1435.275, "end": 1435.77, "confidence": 0.81082696, "punctuated_word": "available,", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "both", "start": 1435.93, "end": 1436.17, "confidence": 0.9925742, "punctuated_word": "both", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "from", "start": 1436.17, "end": 1436.3301, "confidence": 0.99985707, "punctuated_word": "from", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "a", "start": 1436.3301, "end": 1436.41, "confidence": 0.9142952, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "how", "start": 1436.41, "end": 1436.65, "confidence": 0.45810258, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "do", "start": 1436.65, "end": 1436.81, "confidence": 0.99762493, "punctuated_word": "do", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "you", "start": 1436.81, "end": 1436.89, "confidence": 0.9993749, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "finance", "start": 1436.89, "end": 1437.29, "confidence": 0.99982196, "punctuated_word": "finance", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "it", "start": 1437.29, "end": 1437.37, "confidence": 0.9848371, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.8700347 }, { "word": "at", "start": 1437.37, "end": 1437.41, "confidence": 0.99919015, "punctuated_word": "at", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "the", "start": 1437.41, "end": 1437.4501, "confidence": 0.9994553, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "front", "start": 1437.4501, "end": 1437.6901, "confidence": 0.99962187, "punctuated_word": "front", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "end", "start": 1437.6901, "end": 1437.93, "confidence": 0.99358445, "punctuated_word": "end", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "to", "start": 1437.93, "end": 1438.09, "confidence": 0.82097125, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "how", "start": 1438.09, "end": 1438.25, "confidence": 0.9966319, "punctuated_word": "how", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "do", "start": 1438.25, "end": 1438.41, "confidence": 0.997736, "punctuated_word": "do", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "you", "start": 1438.41, "end": 1438.49, "confidence": 0.99898845, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "use", "start": 1438.49, "end": 1438.73, "confidence": 0.9998692, "punctuated_word": "use", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "apis", "start": 1438.73, "end": 1439.23, "confidence": 0.9898838, "punctuated_word": "APIs", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "to", "start": 1439.29, "end": 1439.79, "confidence": 0.9997923, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.81316495 } ], "speaker": 1, "id": "c3908b41-fb85-463e-bca0-48bc1842ef79" }, { "start": 1440.3301, "end": 1443.0701, "confidence": 0.9889613, "channel": 0, "transcript": "to exponentially grow it. So they're starting.", "words": [ { "word": "to", "start": 1440.3301, "end": 1440.65, "confidence": 0.9971808, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "exponentially", "start": 1440.65, "end": 1441.15, "confidence": 0.9993205, "punctuated_word": "exponentially", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "grow", "start": 1441.21, "end": 1441.4501, "confidence": 0.9997516, "punctuated_word": "grow", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "it", "start": 1441.4501, "end": 1441.9501, "confidence": 0.9288939, "punctuated_word": "it.", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "so", "start": 1442.09, "end": 1442.3301, "confidence": 0.99982435, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "they're", "start": 1442.3301, "end": 1442.5701, "confidence": 0.99801254, "punctuated_word": "they're", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "starting", "start": 1442.5701, "end": 1443.0701, "confidence": 0.9997448, "punctuated_word": "starting.", "speaker": 1, "speaker_confidence": 0.81316495 } ], "speaker": 1, "id": "8e6ebbc9-3d6b-49e1-be59-1ed296b51b3b" }, { "start": 1443.93, "end": 1460.025, "confidence": 0.9757819, "channel": 0, "transcript": "How this all ends up, of course, is still very much unknown. It will take years at this pace to get to, you know, any type of finality. And even then, as I said earlier, you've got 6,000 financial institutions in The US. You've got thousands and thousands of fintech players, aggregators like Yodlee who sit in the middle.", "words": [ { "word": "how", "start": 1443.93, "end": 1444.17, "confidence": 0.9995932, "punctuated_word": "How", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "this", "start": 1444.17, "end": 1444.41, "confidence": 0.99962556, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "all", "start": 1444.41, "end": 1444.5701, "confidence": 0.99993706, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "ends", "start": 1444.5701, "end": 1444.81, "confidence": 0.99980325, "punctuated_word": "ends", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "up", "start": 1444.81, "end": 1444.97, "confidence": 0.99388254, "punctuated_word": "up,", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "of", "start": 1444.97, "end": 1445.13, "confidence": 0.99986744, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "course", "start": 1445.13, "end": 1445.37, "confidence": 0.9996716, "punctuated_word": "course,", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "is", "start": 1445.37, "end": 1445.53, "confidence": 0.99861085, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "still", "start": 1445.53, "end": 1445.85, "confidence": 0.9998927, "punctuated_word": "still", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "very", "start": 1445.85, "end": 1446.09, "confidence": 0.9997876, "punctuated_word": "very", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "much", "start": 1446.09, "end": 1446.5701, "confidence": 0.99996126, "punctuated_word": "much", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "unknown", "start": 1446.5701, "end": 1447.05, "confidence": 0.9994732, "punctuated_word": "unknown.", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "it", "start": 1447.05, "end": 1447.21, "confidence": 0.9998419, "punctuated_word": "It", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "will", "start": 1447.21, "end": 1447.4501, "confidence": 0.99996924, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "take", "start": 1447.4501, "end": 1447.93, "confidence": 0.9999832, "punctuated_word": "take", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "years", "start": 1447.93, "end": 1448.41, "confidence": 0.9998634, "punctuated_word": "years", "speaker": 1, "speaker_confidence": 0.81316495 }, { "word": "at", "start": 1448.41, "end": 1448.49, "confidence": 0.977521, "punctuated_word": "at", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "this", "start": 1448.49, "end": 1448.73, "confidence": 0.9999063, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "pace", "start": 1448.73, "end": 1449.21, "confidence": 0.97907776, "punctuated_word": "pace", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "to", "start": 1449.21, "end": 1449.37, "confidence": 0.99974674, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "get", "start": 1449.37, "end": 1449.61, "confidence": 0.99988925, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "to", "start": 1449.61, "end": 1450.09, "confidence": 0.99819577, "punctuated_word": "to,", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "you", "start": 1450.405, "end": 1450.485, "confidence": 0.99980325, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "know", "start": 1450.485, "end": 1450.645, "confidence": 0.99994797, "punctuated_word": "know,", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "any", "start": 1450.645, "end": 1450.885, "confidence": 0.99990356, "punctuated_word": "any", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "type", "start": 1450.885, "end": 1451.125, "confidence": 0.99946886, "punctuated_word": "type", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "of", "start": 1451.125, "end": 1451.205, "confidence": 0.99987996, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "finality", "start": 1451.205, "end": 1451.605, "confidence": 0.9868732, "punctuated_word": "finality.", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "and", "start": 1451.605, "end": 1451.765, "confidence": 0.9997415, "punctuated_word": "And", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "even", "start": 1451.765, "end": 1452.005, "confidence": 0.9995932, "punctuated_word": "even", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "then", "start": 1452.005, "end": 1452.505, "confidence": 0.99664277, "punctuated_word": "then,", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "as", "start": 1452.565, "end": 1452.805, "confidence": 0.99964106, "punctuated_word": "as", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "i", "start": 1452.805, "end": 1452.885, "confidence": 0.99991953, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "said", "start": 1452.885, "end": 1453.125, "confidence": 0.99692386, "punctuated_word": "said", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "earlier", "start": 1453.125, "end": 1453.625, "confidence": 0.99974024, "punctuated_word": "earlier,", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "you've", "start": 1453.6849, "end": 1453.925, "confidence": 0.9963697, "punctuated_word": "you've", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "got", "start": 1453.925, "end": 1454.165, "confidence": 0.99994016, "punctuated_word": "got", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "6,000", "start": 1454.165, "end": 1454.725, "confidence": 0.9989844, "punctuated_word": "6,000", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "financial", "start": 1454.725, "end": 1455.125, "confidence": 0.9989176, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "institutions", "start": 1455.125, "end": 1455.445, "confidence": 0.9990404, "punctuated_word": "institutions", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "in", "start": 1455.445, "end": 1455.525, "confidence": 0.8027088, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "the", "start": 1455.525, "end": 1455.6849, "confidence": 0.9997534, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "us", "start": 1455.6849, "end": 1456.005, "confidence": 0.9501626, "punctuated_word": "US.", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "you've", "start": 1456.005, "end": 1456.165, "confidence": 0.99890494, "punctuated_word": "You've", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "got", "start": 1456.165, "end": 1456.405, "confidence": 0.99958426, "punctuated_word": "got", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "thousands", "start": 1456.405, "end": 1456.725, "confidence": 0.99757034, "punctuated_word": "thousands", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "and", "start": 1456.725, "end": 1456.885, "confidence": 0.9838394, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "thousands", "start": 1456.885, "end": 1457.205, "confidence": 0.9985019, "punctuated_word": "thousands", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "of", "start": 1457.205, "end": 1457.285, "confidence": 0.9973028, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "fintech", "start": 1457.285, "end": 1457.605, "confidence": 0.96570176, "punctuated_word": "fintech", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "players", "start": 1457.605, "end": 1458.005, "confidence": 0.85990715, "punctuated_word": "players,", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "aggregators", "start": 1458.005, "end": 1458.485, "confidence": 0.9870751, "punctuated_word": "aggregators", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "like", "start": 1458.485, "end": 1458.645, "confidence": 0.9175853, "punctuated_word": "like", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "yodlee", "start": 1458.645, "end": 1458.965, "confidence": 0.6693673, "punctuated_word": "Yodlee", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "who", "start": 1458.965, "end": 1459.205, "confidence": 0.58630097, "punctuated_word": "who", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "sit", "start": 1459.205, "end": 1459.365, "confidence": 0.9445227, "punctuated_word": "sit", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "in", "start": 1459.365, "end": 1459.445, "confidence": 0.9991184, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "the", "start": 1459.445, "end": 1459.525, "confidence": 0.999113, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "middle", "start": 1459.525, "end": 1460.025, "confidence": 0.998685, "punctuated_word": "middle.", "speaker": 1, "speaker_confidence": 0.8551688 } ], "speaker": 1, "id": "353e42c4-2845-410e-9d7e-5dda7ff10604" }, { "start": 1460.565, "end": 1466.28, "confidence": 0.9836827, "channel": 0, "transcript": "It's not clear to us that you will get any cut and dry rules like we have in the EU, like PSTT or GDPR.", "words": [ { "word": "it's", "start": 1460.565, "end": 1460.805, "confidence": 0.99957407, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "not", "start": 1460.805, "end": 1460.965, "confidence": 0.9996056, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "clear", "start": 1460.965, "end": 1461.285, "confidence": 0.9999505, "punctuated_word": "clear", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "to", "start": 1461.285, "end": 1461.445, "confidence": 0.99963164, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "us", "start": 1461.445, "end": 1461.6849, "confidence": 0.9998785, "punctuated_word": "us", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "that", "start": 1461.6849, "end": 1461.845, "confidence": 0.99977106, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "you", "start": 1461.845, "end": 1462.005, "confidence": 0.999734, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "will", "start": 1462.005, "end": 1462.26, "confidence": 0.9991941, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "get", "start": 1462.74, "end": 1462.8201, "confidence": 0.9998708, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "any", "start": 1462.8201, "end": 1463.14, "confidence": 0.9996544, "punctuated_word": "any", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "cut", "start": 1463.14, "end": 1463.3, "confidence": 0.9972264, "punctuated_word": "cut", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "and", "start": 1463.3, "end": 1463.46, "confidence": 0.99291056, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "dry", "start": 1463.46, "end": 1463.7, "confidence": 0.9990258, "punctuated_word": "dry", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "rules", "start": 1463.7, "end": 1463.9401, "confidence": 0.9992913, "punctuated_word": "rules", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "like", "start": 1463.9401, "end": 1464.1, "confidence": 0.965776, "punctuated_word": "like", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "we", "start": 1464.1, "end": 1464.26, "confidence": 0.9997564, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "have", "start": 1464.26, "end": 1464.42, "confidence": 0.99968815, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "in", "start": 1464.42, "end": 1464.58, "confidence": 0.99971133, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "the", "start": 1464.58, "end": 1464.74, "confidence": 0.9905896, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "eu", "start": 1464.74, "end": 1464.98, "confidence": 0.8607136, "punctuated_word": "EU,", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "like", "start": 1464.98, "end": 1465.22, "confidence": 0.99987614, "punctuated_word": "like", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "pstt", "start": 1465.22, "end": 1465.7, "confidence": 0.82458305, "punctuated_word": "PSTT", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "or", "start": 1465.7, "end": 1465.78, "confidence": 0.991655, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.8551688 }, { "word": "gdpr", "start": 1465.78, "end": 1466.28, "confidence": 0.9907133, "punctuated_word": "GDPR.", "speaker": 1, "speaker_confidence": 0.8551688 } ], "speaker": 1, "id": "fd18ac67-a845-4952-8561-d5834cd862de" }, { "start": 1467.06, "end": 1470.4401, "confidence": 0.9570517, "channel": 0, "transcript": "But instead, what we think is if you just get to a place where", "words": [ { "word": "but", "start": 1467.06, "end": 1467.3, "confidence": 0.7746724, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "instead", "start": 1467.3, "end": 1467.78, "confidence": 0.9038129, "punctuated_word": "instead,", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "what", "start": 1467.78, "end": 1468.02, "confidence": 0.99926513, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "we", "start": 1468.02, "end": 1468.18, "confidence": 0.9999703, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "think", "start": 1468.18, "end": 1468.5, "confidence": 0.99989676, "punctuated_word": "think", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "is", "start": 1468.5, "end": 1468.74, "confidence": 0.99666804, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "if", "start": 1468.74, "end": 1468.8201, "confidence": 0.87360424, "punctuated_word": "if", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "you", "start": 1468.8201, "end": 1469.06, "confidence": 0.999933, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "just", "start": 1469.06, "end": 1469.22, "confidence": 0.9997104, "punctuated_word": "just", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "get", "start": 1469.22, "end": 1469.38, "confidence": 0.8534324, "punctuated_word": "get", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "to", "start": 1469.38, "end": 1469.54, "confidence": 0.99890804, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "a", "start": 1469.54, "end": 1469.62, "confidence": 0.99959284, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "place", "start": 1469.62, "end": 1469.9401, "confidence": 0.999923, "punctuated_word": "place", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "where", "start": 1469.9401, "end": 1470.4401, "confidence": 0.99933535, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 0.8645014 } ], "speaker": 1, "id": "16567194-db61-439c-8564-1a75109dc627" }, { "start": 1470.9, "end": 1474.36, "confidence": 0.9942828, "channel": 0, "transcript": "it can be asserted that the consumer has the absolute right to share their data,", "words": [ { "word": "it", "start": 1470.9, "end": 1471.06, "confidence": 0.9965843, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "can", "start": 1471.06, "end": 1471.22, "confidence": 0.99992836, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "be", "start": 1471.22, "end": 1471.38, "confidence": 0.9998585, "punctuated_word": "be", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "asserted", "start": 1471.38, "end": 1471.78, "confidence": 0.9279713, "punctuated_word": "asserted", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "that", "start": 1471.78, "end": 1471.9401, "confidence": 0.9991677, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "the", "start": 1471.9401, "end": 1472.02, "confidence": 0.9988366, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "consumer", "start": 1472.02, "end": 1472.42, "confidence": 0.999451, "punctuated_word": "consumer", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "has", "start": 1472.42, "end": 1472.58, "confidence": 0.99979454, "punctuated_word": "has", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "the", "start": 1472.58, "end": 1472.74, "confidence": 0.99925417, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "absolute", "start": 1472.74, "end": 1473.14, "confidence": 0.99666995, "punctuated_word": "absolute", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "right", "start": 1473.14, "end": 1473.38, "confidence": 0.99986374, "punctuated_word": "right", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "to", "start": 1473.38, "end": 1473.46, "confidence": 0.9996699, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "share", "start": 1473.46, "end": 1473.7, "confidence": 0.9994129, "punctuated_word": "share", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "their", "start": 1473.7, "end": 1473.86, "confidence": 0.99957067, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "data", "start": 1473.86, "end": 1474.36, "confidence": 0.9982083, "punctuated_word": "data,", "speaker": 1, "speaker_confidence": 0.8645014 } ], "speaker": 1, "id": "c14818f2-d274-4e43-8860-3aa19ad3a73f" }, { "start": 1474.66, "end": 1486.095, "confidence": 0.9921849, "channel": 0, "transcript": "the market can figure the rest of it out. Right? We've been doing this for twenty years. In the absence of all of that regulation Right. We can keep doing it. The only difference here is we need to make sure that the consumer's rights to their data are unfettered.", "words": [ { "word": "the", "start": 1474.66, "end": 1474.8201, "confidence": 0.9993337, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "market", "start": 1474.8201, "end": 1475.14, "confidence": 0.99995553, "punctuated_word": "market", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "can", "start": 1475.14, "end": 1475.38, "confidence": 0.99952245, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "figure", "start": 1475.38, "end": 1475.595, "confidence": 0.99665266, "punctuated_word": "figure", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "the", "start": 1475.755, "end": 1475.9149, "confidence": 0.9977877, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "rest", "start": 1475.9149, "end": 1475.955, "confidence": 0.99993324, "punctuated_word": "rest", "speaker": 1, "speaker_confidence": 0.8645014 }, { "word": "of", "start": 1475.955, "end": 1475.995, "confidence": 0.9998646, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.48928976 }, { "word": "it", "start": 1475.995, "end": 1476.075, "confidence": 0.9999654, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.48928976 }, { "word": "out", "start": 1476.075, "end": 1476.475, "confidence": 0.9995234, "punctuated_word": "out.", "speaker": 1, "speaker_confidence": 0.48928976 }, { "word": "right", "start": 1476.475, "end": 1476.635, "confidence": 0.98747283, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.48928976 }, { "word": "we've", "start": 1476.635, "end": 1476.875, "confidence": 0.99987125, "punctuated_word": "We've", "speaker": 1, "speaker_confidence": 0.48928976 }, { "word": "been", "start": 1476.875, "end": 1476.955, "confidence": 0.9998981, "punctuated_word": "been", "speaker": 1, "speaker_confidence": 0.48928976 }, { "word": "doing", "start": 1476.955, "end": 1477.115, "confidence": 0.99991727, "punctuated_word": "doing", "speaker": 1, "speaker_confidence": 0.56563926 }, { "word": "this", "start": 1477.115, "end": 1477.275, "confidence": 0.9998605, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.56563926 }, { "word": "for", "start": 1477.275, "end": 1477.4349, "confidence": 0.9998429, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.56563926 }, { "word": "twenty", "start": 1477.4349, "end": 1477.6749, "confidence": 0.9998597, "punctuated_word": "twenty", "speaker": 1, "speaker_confidence": 0.56563926 }, { "word": "years", "start": 1477.6749, "end": 1478.1749, "confidence": 0.9281393, "punctuated_word": "years.", "speaker": 1, "speaker_confidence": 0.56563926 }, { "word": "in", "start": 1478.235, "end": 1478.395, "confidence": 0.94220847, "punctuated_word": "In", "speaker": 1, "speaker_confidence": 0.4873479 }, { "word": "the", "start": 1478.395, "end": 1478.5549, "confidence": 0.99958664, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.4873479 }, { "word": "absence", "start": 1478.5549, "end": 1478.875, "confidence": 0.99992883, "punctuated_word": "absence", "speaker": 1, "speaker_confidence": 0.4873479 }, { "word": "of", "start": 1478.875, "end": 1479.0349, "confidence": 0.9998995, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.4873479 }, { "word": "all", "start": 1479.0349, "end": 1479.195, "confidence": 0.99989974, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.4873479 }, { "word": "of", "start": 1479.195, "end": 1479.275, "confidence": 0.99823284, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.4873479 }, { "word": "that", "start": 1479.275, "end": 1479.4349, "confidence": 0.9998739, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.4873479 }, { "word": "regulation", "start": 1479.4349, "end": 1479.835, "confidence": 0.9995009, "punctuated_word": "regulation", "speaker": 1, "speaker_confidence": 0.4873479 }, { "word": "right", "start": 1479.9149, "end": 1480.115, "confidence": 0.9981775, "punctuated_word": "Right.", "speaker": 2, "speaker_confidence": 0.0869236 }, { "word": "we", "start": 1480.315, "end": 1480.475, "confidence": 0.9987072, "punctuated_word": "We", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "can", "start": 1480.475, "end": 1480.635, "confidence": 0.999595, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "keep", "start": 1480.635, "end": 1480.875, "confidence": 0.99990594, "punctuated_word": "keep", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "doing", "start": 1480.875, "end": 1481.115, "confidence": 0.99989724, "punctuated_word": "doing", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "it", "start": 1481.115, "end": 1481.515, "confidence": 0.9933566, "punctuated_word": "it.", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "the", "start": 1481.515, "end": 1481.6749, "confidence": 0.99978226, "punctuated_word": "The", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "only", "start": 1481.6749, "end": 1481.9149, "confidence": 0.999969, "punctuated_word": "only", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "difference", "start": 1481.9149, "end": 1482.235, "confidence": 0.999673, "punctuated_word": "difference", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "here", "start": 1482.235, "end": 1482.475, "confidence": 0.9997439, "punctuated_word": "here", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "is", "start": 1482.475, "end": 1482.715, "confidence": 0.9999008, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "we", "start": 1482.715, "end": 1482.875, "confidence": 0.9642175, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "need", "start": 1482.875, "end": 1483.0349, "confidence": 0.99994946, "punctuated_word": "need", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "to", "start": 1483.0349, "end": 1483.115, "confidence": 0.999826, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.6149924 }, { "word": "make", "start": 1483.115, "end": 1483.195, "confidence": 0.99970204, "punctuated_word": "make", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "sure", "start": 1483.195, "end": 1483.355, "confidence": 0.9998715, "punctuated_word": "sure", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "that", "start": 1483.355, "end": 1483.515, "confidence": 0.9728205, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "the", "start": 1483.515, "end": 1483.595, "confidence": 0.990785, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "consumer's", "start": 1483.595, "end": 1484.075, "confidence": 0.8519552, "punctuated_word": "consumer's", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "rights", "start": 1484.075, "end": 1484.315, "confidence": 0.998447, "punctuated_word": "rights", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "to", "start": 1484.315, "end": 1484.475, "confidence": 0.9990294, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "their", "start": 1484.475, "end": 1484.635, "confidence": 0.9994981, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "data", "start": 1484.635, "end": 1485.135, "confidence": 0.9991404, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "are", "start": 1485.355, "end": 1485.595, "confidence": 0.9993475, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "unfettered", "start": 1485.595, "end": 1486.095, "confidence": 0.99941546, "punctuated_word": "unfettered.", "speaker": 1, "speaker_confidence": 0.71134853 } ], "speaker": 1, "id": "68d125a4-7b8e-4750-a493-1baba623e53a" }, { "start": 1486.7949, "end": 1487.5349, "confidence": 0.9659009, "channel": 0, "transcript": "That's great.", "words": [ { "word": "that's", "start": 1486.7949, "end": 1487.0349, "confidence": 0.93206, "punctuated_word": "That's", "speaker": 1, "speaker_confidence": 0.71134853 }, { "word": "great", "start": 1487.0349, "end": 1487.5349, "confidence": 0.9997418, "punctuated_word": "great.", "speaker": 1, "speaker_confidence": 0.71134853 } ], "speaker": 1, "id": "ed7dbc42-441b-4e48-b0df-a91e51ca786d" }, { "start": 1487.835, "end": 1512.005, "confidence": 0.95124096, "channel": 0, "transcript": "So last question I'll ask here. Just and you alluded to or you talked touched on this a little bit earlier. What are some of the coolest trends that you're seeing in fintech? Things that might get, you know, consumers really excited about the the future of this beyond just the policy world? Yeah. Yeah. That's a great question. Right? So there's there's quite a few. I think the the most exciting really from where I sit are what I think of as, like, financial wellness applications.", "words": [ { "word": "so", "start": 1487.835, "end": 1488.075, "confidence": 0.99476814, "punctuated_word": "So", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "last", "start": 1488.075, "end": 1488.315, "confidence": 0.98375237, "punctuated_word": "last", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "question", "start": 1488.315, "end": 1488.715, "confidence": 0.99946517, "punctuated_word": "question", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "i'll", "start": 1488.715, "end": 1488.955, "confidence": 0.9919102, "punctuated_word": "I'll", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "ask", "start": 1488.955, "end": 1489.195, "confidence": 0.9983511, "punctuated_word": "ask", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "here", "start": 1489.195, "end": 1489.355, "confidence": 0.7085282, "punctuated_word": "here.", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "just", "start": 1489.355, "end": 1489.515, "confidence": 0.9840061, "punctuated_word": "Just", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "and", "start": 1489.595, "end": 1489.835, "confidence": 0.5052241, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "you", "start": 1489.835, "end": 1490.13, "confidence": 0.99149597, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "alluded", "start": 1490.13, "end": 1490.37, "confidence": 0.9960614, "punctuated_word": "alluded", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "to", "start": 1490.37, "end": 1490.45, "confidence": 0.98882115, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "or", "start": 1490.53, "end": 1490.5701, "confidence": 0.5096921, "punctuated_word": "or", "speaker": 2, "speaker_confidence": 0.66694945 }, { "word": "you", "start": 1490.5701, "end": 1490.61, "confidence": 0.64247817, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.37243003 }, { "word": "talked", "start": 1490.61, "end": 1491.01, "confidence": 0.6374311, "punctuated_word": "talked", "speaker": 2, "speaker_confidence": 0.37243003 }, { "word": "touched", "start": 1491.09, "end": 1491.25, "confidence": 0.9428925, "punctuated_word": "touched", "speaker": 2, "speaker_confidence": 0.37243003 }, { "word": "on", "start": 1491.25, "end": 1491.41, "confidence": 0.9978955, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.37243003 }, { "word": "this", "start": 1491.41, "end": 1491.57, "confidence": 0.9973573, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.37243003 }, { "word": "a", "start": 1491.57, "end": 1491.65, "confidence": 0.9984748, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.5778347 }, { "word": "little", "start": 1491.65, "end": 1491.81, "confidence": 0.9996675, "punctuated_word": "little", "speaker": 2, "speaker_confidence": 0.5778347 }, { "word": "bit", "start": 1491.81, "end": 1491.97, "confidence": 0.99102426, "punctuated_word": "bit", "speaker": 2, "speaker_confidence": 0.5778347 }, { "word": "earlier", "start": 1491.97, "end": 1492.37, "confidence": 0.97516346, "punctuated_word": "earlier.", "speaker": 2, "speaker_confidence": 0.5778347 }, { "word": "what", "start": 1492.37, "end": 1492.61, "confidence": 0.9993692, "punctuated_word": "What", "speaker": 2, "speaker_confidence": 0.5778347 }, { "word": "are", "start": 1492.61, "end": 1492.77, "confidence": 0.9998499, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.5778347 }, { "word": "some", "start": 1492.77, "end": 1492.93, "confidence": 0.99961483, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 0.5778347 }, { "word": "of", "start": 1492.93, "end": 1493.01, "confidence": 0.99945694, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.5778347 }, { "word": "the", "start": 1493.01, "end": 1493.09, "confidence": 0.99938166, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "coolest", "start": 1493.09, "end": 1493.59, "confidence": 0.9997868, "punctuated_word": "coolest", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "trends", "start": 1493.65, "end": 1494.15, "confidence": 0.99968374, "punctuated_word": "trends", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "that", "start": 1494.45, "end": 1494.61, "confidence": 0.9993262, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "you're", "start": 1494.61, "end": 1494.85, "confidence": 0.9990115, "punctuated_word": "you're", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "seeing", "start": 1494.85, "end": 1495.09, "confidence": 0.9996711, "punctuated_word": "seeing", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "in", "start": 1495.09, "end": 1495.25, "confidence": 0.99850154, "punctuated_word": "in", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "fintech", "start": 1495.25, "end": 1495.75, "confidence": 0.85085845, "punctuated_word": "fintech?", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "things", "start": 1495.81, "end": 1496.05, "confidence": 0.9990464, "punctuated_word": "Things", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "that", "start": 1496.05, "end": 1496.21, "confidence": 0.9994867, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "might", "start": 1496.21, "end": 1496.45, "confidence": 0.9992036, "punctuated_word": "might", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "get", "start": 1496.45, "end": 1496.77, "confidence": 0.96643996, "punctuated_word": "get,", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "you", "start": 1496.77, "end": 1496.93, "confidence": 0.9990038, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "know", "start": 1496.93, "end": 1497.25, "confidence": 0.9993621, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "consumers", "start": 1497.25, "end": 1497.75, "confidence": 0.9978173, "punctuated_word": "consumers", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "really", "start": 1497.81, "end": 1498.05, "confidence": 0.99782085, "punctuated_word": "really", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "excited", "start": 1498.05, "end": 1498.55, "confidence": 0.9998797, "punctuated_word": "excited", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "about", "start": 1498.61, "end": 1498.93, "confidence": 0.999739, "punctuated_word": "about", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "the", "start": 1498.93, "end": 1499.09, "confidence": 0.9973508, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "the", "start": 1499.09, "end": 1499.33, "confidence": 0.9821507, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "future", "start": 1499.33, "end": 1499.65, "confidence": 0.9992632, "punctuated_word": "future", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "of", "start": 1499.65, "end": 1499.81, "confidence": 0.9992853, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "this", "start": 1499.81, "end": 1500.21, "confidence": 0.9985447, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "beyond", "start": 1500.21, "end": 1500.71, "confidence": 0.41981637, "punctuated_word": "beyond", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "just", "start": 1500.93, "end": 1501.17, "confidence": 0.98027724, "punctuated_word": "just", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "the", "start": 1501.17, "end": 1501.25, "confidence": 0.9992481, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "policy", "start": 1501.25, "end": 1501.65, "confidence": 0.99952805, "punctuated_word": "policy", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "world", "start": 1501.65, "end": 1502.13, "confidence": 0.8003541, "punctuated_word": "world?", "speaker": 2, "speaker_confidence": 0.8128121 }, { "word": "yeah", "start": 1502.13, "end": 1502.145, "confidence": 0.99112064, "punctuated_word": "Yeah.", "speaker": 1, "speaker_confidence": 0.26515067 }, { "word": "yeah", "start": 1502.145, "end": 1502.305, "confidence": 0.99482936, "punctuated_word": "Yeah.", "speaker": 1, "speaker_confidence": 0.26515067 }, { "word": "that's", "start": 1502.305, "end": 1502.465, "confidence": 0.9997251, "punctuated_word": "That's", "speaker": 1, "speaker_confidence": 0.26515067 }, { "word": "a", "start": 1502.465, "end": 1502.545, "confidence": 0.9995004, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.26515067 }, { "word": "great", "start": 1502.545, "end": 1502.785, "confidence": 0.99990034, "punctuated_word": "great", "speaker": 1, "speaker_confidence": 0.26515067 }, { "word": "question", "start": 1502.785, "end": 1503.105, "confidence": 0.99827564, "punctuated_word": "question.", "speaker": 1, "speaker_confidence": 0.26515067 }, { "word": "right", "start": 1503.105, "end": 1503.265, "confidence": 0.9885386, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.52711433 }, { "word": "so", "start": 1503.265, "end": 1503.425, "confidence": 0.999686, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.52711433 }, { "word": "there's", "start": 1503.425, "end": 1503.8251, "confidence": 0.9836199, "punctuated_word": "there's", "speaker": 1, "speaker_confidence": 0.52711433 }, { "word": "there's", "start": 1503.8251, "end": 1504.3251, "confidence": 0.9994079, "punctuated_word": "there's", "speaker": 1, "speaker_confidence": 0.52711433 }, { "word": "quite", "start": 1504.385, "end": 1504.785, "confidence": 0.99980074, "punctuated_word": "quite", "speaker": 1, "speaker_confidence": 0.52711433 }, { "word": "a", "start": 1504.785, "end": 1504.865, "confidence": 0.9999007, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.52711433 }, { "word": "few", "start": 1504.865, "end": 1505.185, "confidence": 0.99702114, "punctuated_word": "few.", "speaker": 1, "speaker_confidence": 0.52711433 }, { "word": "i", "start": 1505.185, "end": 1505.265, "confidence": 0.99986684, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "think", "start": 1505.265, "end": 1505.505, "confidence": 0.99998343, "punctuated_word": "think", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "the", "start": 1505.505, "end": 1505.745, "confidence": 0.8325328, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "the", "start": 1505.745, "end": 1506.0651, "confidence": 0.99727625, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "most", "start": 1506.0651, "end": 1506.545, "confidence": 0.99933547, "punctuated_word": "most", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "exciting", "start": 1506.545, "end": 1507.025, "confidence": 0.99992144, "punctuated_word": "exciting", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "really", "start": 1507.025, "end": 1507.525, "confidence": 0.5783281, "punctuated_word": "really", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "from", "start": 1507.665, "end": 1507.905, "confidence": 0.82536125, "punctuated_word": "from", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "where", "start": 1507.905, "end": 1508.145, "confidence": 0.9990202, "punctuated_word": "where", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "i", "start": 1508.145, "end": 1508.305, "confidence": 0.99960023, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "sit", "start": 1508.305, "end": 1508.625, "confidence": 0.9926165, "punctuated_word": "sit", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "are", "start": 1508.625, "end": 1509.125, "confidence": 0.99401987, "punctuated_word": "are", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "what", "start": 1509.345, "end": 1509.505, "confidence": 0.9328965, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "i", "start": 1509.505, "end": 1509.585, "confidence": 0.9998246, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "think", "start": 1509.585, "end": 1509.8251, "confidence": 0.99991035, "punctuated_word": "think", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "of", "start": 1509.8251, "end": 1509.985, "confidence": 0.99749005, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.7314167 }, { "word": "as", "start": 1509.985, "end": 1510.145, "confidence": 0.9452081, "punctuated_word": "as,", "speaker": 1, "speaker_confidence": 0.5899248 }, { "word": "like", "start": 1510.145, "end": 1510.305, "confidence": 0.99869126, "punctuated_word": "like,", "speaker": 1, "speaker_confidence": 0.5899248 }, { "word": "financial", "start": 1510.305, "end": 1510.7051, "confidence": 0.9996171, "punctuated_word": "financial", "speaker": 1, "speaker_confidence": 0.5899248 }, { "word": "wellness", "start": 1510.7051, "end": 1511.2051, "confidence": 0.99995387, "punctuated_word": "wellness", "speaker": 1, "speaker_confidence": 0.5899248 }, { "word": "applications", "start": 1511.505, "end": 1512.005, "confidence": 0.9025807, "punctuated_word": "applications.", "speaker": 1, "speaker_confidence": 0.5899248 } ], "speaker": 2, "id": "acf3f028-a9a2-4277-a80d-1807f488becf" }, { "start": 1512.785, "end": 1514.485, "confidence": 0.94775677, "channel": 0, "transcript": "So tools that,", "words": [ { "word": "so", "start": 1512.785, "end": 1513.285, "confidence": 0.99906164, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "tools", "start": 1513.345, "end": 1513.845, "confidence": 0.9990608, "punctuated_word": "tools", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "that", "start": 1513.985, "end": 1514.485, "confidence": 0.84514785, "punctuated_word": "that,", "speaker": 1, "speaker_confidence": 0.90641624 } ], "speaker": 1, "id": "792a291e-8d51-4d07-b78a-51bcd96ef13b" }, { "start": 1515.45, "end": 1520.59, "confidence": 0.9894839, "channel": 0, "transcript": "can smooth income for seasonal workers or for low income workers who don't have a dependable paycheck.", "words": [ { "word": "can", "start": 1515.45, "end": 1515.69, "confidence": 0.99961686, "punctuated_word": "can", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "smooth", "start": 1515.69, "end": 1516.1699, "confidence": 0.99977726, "punctuated_word": "smooth", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "income", "start": 1516.1699, "end": 1516.65, "confidence": 0.9996834, "punctuated_word": "income", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "for", "start": 1516.65, "end": 1516.97, "confidence": 0.99033374, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "seasonal", "start": 1516.97, "end": 1517.37, "confidence": 0.9974552, "punctuated_word": "seasonal", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "workers", "start": 1517.37, "end": 1517.85, "confidence": 0.9998995, "punctuated_word": "workers", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "or", "start": 1517.85, "end": 1518.09, "confidence": 0.9935545, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "for", "start": 1518.09, "end": 1518.33, "confidence": 0.99815315, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "low", "start": 1518.33, "end": 1518.57, "confidence": 0.9981609, "punctuated_word": "low", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "income", "start": 1518.57, "end": 1518.8099, "confidence": 0.99966383, "punctuated_word": "income", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "workers", "start": 1518.8099, "end": 1519.13, "confidence": 0.99975103, "punctuated_word": "workers", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "who", "start": 1519.13, "end": 1519.21, "confidence": 0.9122033, "punctuated_word": "who", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "don't", "start": 1519.21, "end": 1519.45, "confidence": 0.9985405, "punctuated_word": "don't", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "have", "start": 1519.45, "end": 1519.53, "confidence": 0.99706215, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "a", "start": 1519.53, "end": 1519.69, "confidence": 0.99370146, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "dependable", "start": 1519.69, "end": 1520.09, "confidence": 0.9994768, "punctuated_word": "dependable", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "paycheck", "start": 1520.09, "end": 1520.59, "confidence": 0.9441911, "punctuated_word": "paycheck.", "speaker": 1, "speaker_confidence": 0.90641624 } ], "speaker": 1, "id": "47b61938-1f25-41bd-91da-1fc61cd7d523" }, { "start": 1520.89, "end": 1523.71, "confidence": 0.99946654, "channel": 0, "transcript": "But if you have a year or two years of", "words": [ { "word": "but", "start": 1520.89, "end": 1521.0499, "confidence": 0.99905735, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "if", "start": 1521.0499, "end": 1521.21, "confidence": 0.99947757, "punctuated_word": "if", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "you", "start": 1521.21, "end": 1521.37, "confidence": 0.9998826, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "have", "start": 1521.37, "end": 1521.85, "confidence": 0.99965, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "a", "start": 1521.85, "end": 1522.01, "confidence": 0.9988883, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "year", "start": 1522.01, "end": 1522.33, "confidence": 0.99990785, "punctuated_word": "year", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "or", "start": 1522.33, "end": 1522.57, "confidence": 0.99901736, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "two", "start": 1522.57, "end": 1522.73, "confidence": 0.9995536, "punctuated_word": "two", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "years", "start": 1522.73, "end": 1523.21, "confidence": 0.99986374, "punctuated_word": "years", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "of", "start": 1523.21, "end": 1523.71, "confidence": 0.9993667, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.90641624 } ], "speaker": 1, "id": "a72af984-18d2-4a6c-8849-706a093d1581" }, { "start": 1524.1699, "end": 1525.71, "confidence": 0.98817295, "channel": 0, "transcript": "transaction data that shows,", "words": [ { "word": "transaction", "start": 1524.1699, "end": 1524.65, "confidence": 0.9993722, "punctuated_word": "transaction", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "data", "start": 1524.65, "end": 1525.0499, "confidence": 0.9998142, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "that", "start": 1525.0499, "end": 1525.21, "confidence": 0.9967055, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "shows", "start": 1525.21, "end": 1525.71, "confidence": 0.9567999, "punctuated_word": "shows,", "speaker": 1, "speaker_confidence": 0.90641624 } ], "speaker": 1, "id": "b407dc28-77b2-4216-882c-7d84ffe6c03d" }, { "start": 1526.4099, "end": 1536.265, "confidence": 0.9782616, "channel": 0, "transcript": "direct deposit into your account rather than have to figure out, do you pay the phone bill this month or the electricity bill or the rent or, you know, your kid's,", "words": [ { "word": "direct", "start": 1526.4099, "end": 1526.8099, "confidence": 0.99958855, "punctuated_word": "direct", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "deposit", "start": 1526.8099, "end": 1527.285, "confidence": 0.99924254, "punctuated_word": "deposit", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "into", "start": 1527.285, "end": 1527.525, "confidence": 0.99743015, "punctuated_word": "into", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "your", "start": 1527.525, "end": 1527.685, "confidence": 0.9996488, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "account", "start": 1527.685, "end": 1528.185, "confidence": 0.9999225, "punctuated_word": "account", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "rather", "start": 1528.485, "end": 1528.9651, "confidence": 0.78999907, "punctuated_word": "rather", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "than", "start": 1528.9651, "end": 1529.365, "confidence": 0.99954814, "punctuated_word": "than", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "have", "start": 1529.365, "end": 1529.605, "confidence": 0.9984396, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "to", "start": 1529.605, "end": 1529.765, "confidence": 0.99944466, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "figure", "start": 1529.765, "end": 1530.005, "confidence": 0.9999815, "punctuated_word": "figure", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "out", "start": 1530.005, "end": 1530.245, "confidence": 0.85770434, "punctuated_word": "out,", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "do", "start": 1530.245, "end": 1530.485, "confidence": 0.9992368, "punctuated_word": "do", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "you", "start": 1530.485, "end": 1530.645, "confidence": 0.9998542, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "pay", "start": 1530.645, "end": 1530.9651, "confidence": 0.9997532, "punctuated_word": "pay", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "the", "start": 1530.9651, "end": 1531.2051, "confidence": 0.9989134, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "phone", "start": 1531.2051, "end": 1531.4451, "confidence": 0.9997731, "punctuated_word": "phone", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "bill", "start": 1531.4451, "end": 1531.685, "confidence": 0.9998572, "punctuated_word": "bill", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "this", "start": 1531.685, "end": 1531.925, "confidence": 0.99947554, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "month", "start": 1531.925, "end": 1532.245, "confidence": 0.99995077, "punctuated_word": "month", "speaker": 1, "speaker_confidence": 0.90641624 }, { "word": "or", "start": 1532.245, "end": 1532.405, "confidence": 0.85360193, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "the", "start": 1532.405, "end": 1532.645, "confidence": 0.99589264, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "electricity", "start": 1532.645, "end": 1533.145, "confidence": 0.9999826, "punctuated_word": "electricity", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "bill", "start": 1533.2051, "end": 1533.7051, "confidence": 0.99985206, "punctuated_word": "bill", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "or", "start": 1533.8451, "end": 1534.0851, "confidence": 0.9666296, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "the", "start": 1534.0851, "end": 1534.3251, "confidence": 0.9997981, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "rent", "start": 1534.3251, "end": 1534.805, "confidence": 0.9998222, "punctuated_word": "rent", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "or", "start": 1534.805, "end": 1535.2051, "confidence": 0.9935615, "punctuated_word": "or,", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "you", "start": 1535.2051, "end": 1535.285, "confidence": 0.99963355, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "know", "start": 1535.285, "end": 1535.525, "confidence": 0.9999571, "punctuated_word": "know,", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "your", "start": 1535.525, "end": 1535.765, "confidence": 0.9992901, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "kid's", "start": 1535.765, "end": 1536.265, "confidence": 0.88032293, "punctuated_word": "kid's,", "speaker": 1, "speaker_confidence": 0.86705196 } ], "speaker": 1, "id": "10e08a77-2764-4225-8244-8c117e2f652d" }, { "start": 1536.885, "end": 1537.385, "confidence": 0.7658956, "channel": 0, "transcript": "tuition?", "words": [ { "word": "tuition", "start": 1536.885, "end": 1537.385, "confidence": 0.7658956, "punctuated_word": "tuition?", "speaker": 1, "speaker_confidence": 0.86705196 } ], "speaker": 1, "id": "9bc47a83-6591-4aaf-ae86-f177f3afe568" }, { "start": 1538.725, "end": 1551.3099, "confidence": 0.9879133, "channel": 0, "transcript": "They will say, we'll give you a dependable amount every two months or every month in your paycheck. It will equal over a year to what you will take home anyway, but it's smooth. So you will not have to make those choices every year. So there's a host of applications", "words": [ { "word": "they", "start": 1538.725, "end": 1538.885, "confidence": 0.99828607, "punctuated_word": "They", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "will", "start": 1538.885, "end": 1539.125, "confidence": 0.9995259, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "say", "start": 1539.125, "end": 1539.285, "confidence": 0.8685186, "punctuated_word": "say,", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "we'll", "start": 1539.285, "end": 1539.525, "confidence": 0.9987841, "punctuated_word": "we'll", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "give", "start": 1539.525, "end": 1539.685, "confidence": 0.9998932, "punctuated_word": "give", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "you", "start": 1539.685, "end": 1540.185, "confidence": 0.9991831, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "a", "start": 1540.485, "end": 1540.805, "confidence": 0.99945456, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "dependable", "start": 1540.805, "end": 1541.305, "confidence": 0.9999359, "punctuated_word": "dependable", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "amount", "start": 1541.365, "end": 1541.61, "confidence": 0.9995877, "punctuated_word": "amount", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "every", "start": 1541.61, "end": 1541.85, "confidence": 0.9994294, "punctuated_word": "every", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "two", "start": 1541.85, "end": 1541.9299, "confidence": 0.99955755, "punctuated_word": "two", "speaker": 1, "speaker_confidence": 0.86705196 }, { "word": "months", "start": 1541.9299, "end": 1542.01, "confidence": 0.9994855, "punctuated_word": "months", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "or", "start": 1542.01, "end": 1542.09, "confidence": 0.8235588, "punctuated_word": "or", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "every", "start": 1542.09, "end": 1542.33, "confidence": 0.999652, "punctuated_word": "every", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "month", "start": 1542.33, "end": 1542.57, "confidence": 0.9996556, "punctuated_word": "month", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "in", "start": 1542.57, "end": 1542.73, "confidence": 0.9748014, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "your", "start": 1542.73, "end": 1542.89, "confidence": 0.99985564, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "paycheck", "start": 1542.89, "end": 1543.39, "confidence": 0.9971652, "punctuated_word": "paycheck.", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "it", "start": 1543.45, "end": 1543.69, "confidence": 0.9995547, "punctuated_word": "It", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "will", "start": 1543.69, "end": 1543.85, "confidence": 0.9998816, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "equal", "start": 1543.85, "end": 1544.25, "confidence": 0.99961424, "punctuated_word": "equal", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "over", "start": 1544.25, "end": 1544.49, "confidence": 0.99270755, "punctuated_word": "over", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "a", "start": 1544.49, "end": 1544.65, "confidence": 0.9993154, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "year", "start": 1544.65, "end": 1544.97, "confidence": 0.9999107, "punctuated_word": "year", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "to", "start": 1544.97, "end": 1545.13, "confidence": 0.99706453, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "what", "start": 1545.13, "end": 1545.29, "confidence": 0.990612, "punctuated_word": "what", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "you", "start": 1545.29, "end": 1545.53, "confidence": 0.9998338, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "will", "start": 1545.53, "end": 1545.77, "confidence": 0.99673647, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "take", "start": 1545.77, "end": 1545.9299, "confidence": 0.999866, "punctuated_word": "take", "speaker": 1, "speaker_confidence": 0.63804406 }, { "word": "home", "start": 1545.9299, "end": 1546.09, "confidence": 0.9970101, "punctuated_word": "home", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "anyway", "start": 1546.09, "end": 1546.59, "confidence": 0.88312984, "punctuated_word": "anyway,", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "but", "start": 1546.8099, "end": 1547.0499, "confidence": 0.9995746, "punctuated_word": "but", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "it's", "start": 1547.0499, "end": 1547.29, "confidence": 0.999864, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "smooth", "start": 1547.29, "end": 1547.69, "confidence": 0.9277619, "punctuated_word": "smooth.", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "so", "start": 1547.69, "end": 1547.85, "confidence": 0.9990108, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "you", "start": 1547.85, "end": 1548.01, "confidence": 0.9996511, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "will", "start": 1548.01, "end": 1548.17, "confidence": 0.9891396, "punctuated_word": "will", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "not", "start": 1548.17, "end": 1548.33, "confidence": 0.99535346, "punctuated_word": "not", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "have", "start": 1548.33, "end": 1548.4099, "confidence": 0.99384403, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "to", "start": 1548.4099, "end": 1548.49, "confidence": 0.99845195, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "make", "start": 1548.49, "end": 1548.73, "confidence": 0.9984611, "punctuated_word": "make", "speaker": 1, "speaker_confidence": 0.56879324 }, { "word": "those", "start": 1548.73, "end": 1548.97, "confidence": 0.9908103, "punctuated_word": "those", "speaker": 1, "speaker_confidence": 0.5406047 }, { "word": "choices", "start": 1548.97, "end": 1549.29, "confidence": 0.9984799, "punctuated_word": "choices", "speaker": 1, "speaker_confidence": 0.5406047 }, { "word": "every", "start": 1549.29, "end": 1549.53, "confidence": 0.99922, "punctuated_word": "every", "speaker": 1, "speaker_confidence": 0.5406047 }, { "word": "year", "start": 1549.53, "end": 1549.9299, "confidence": 0.99976915, "punctuated_word": "year.", "speaker": 1, "speaker_confidence": 0.5406047 }, { "word": "so", "start": 1549.9299, "end": 1550.09, "confidence": 0.9992692, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.5406047 }, { "word": "there's", "start": 1550.09, "end": 1550.41, "confidence": 0.9844452, "punctuated_word": "there's", "speaker": 1, "speaker_confidence": 0.5406047 }, { "word": "a", "start": 1550.41, "end": 1550.49, "confidence": 0.9997025, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.5406047 }, { "word": "host", "start": 1550.49, "end": 1550.73, "confidence": 0.9999286, "punctuated_word": "host", "speaker": 1, "speaker_confidence": 0.5406047 }, { "word": "of", "start": 1550.73, "end": 1550.8099, "confidence": 0.99981266, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.5406047 }, { "word": "applications", "start": 1550.8099, "end": 1551.3099, "confidence": 0.9994566, "punctuated_word": "applications", "speaker": 1, "speaker_confidence": 0.5406047 } ], "speaker": 1, "id": "b720974d-7914-47e7-ad26-a88b25c84a79" }, { "start": 1551.61, "end": 1556.915, "confidence": 0.9876185, "channel": 0, "transcript": "like that, fixed income optimization tools. Right? I alluded to the divorce reconciliation tool.", "words": [ { "word": "like", "start": 1551.61, "end": 1551.77, "confidence": 0.9993666, "punctuated_word": "like", "speaker": 1, "speaker_confidence": 0.61466444 }, { "word": "that", "start": 1551.77, "end": 1552.17, "confidence": 0.85669506, "punctuated_word": "that,", "speaker": 1, "speaker_confidence": 0.61466444 }, { "word": "fixed", "start": 1552.17, "end": 1552.49, "confidence": 0.9897698, "punctuated_word": "fixed", "speaker": 1, "speaker_confidence": 0.61466444 }, { "word": "income", "start": 1552.49, "end": 1552.89, "confidence": 0.99990356, "punctuated_word": "income", "speaker": 1, "speaker_confidence": 0.61466444 }, { "word": "optimization", "start": 1552.89, "end": 1553.39, "confidence": 0.9996418, "punctuated_word": "optimization", "speaker": 1, "speaker_confidence": 0.61466444 }, { "word": "tools", "start": 1553.61, "end": 1554.015, "confidence": 0.99946064, "punctuated_word": "tools.", "speaker": 1, "speaker_confidence": 0.61466444 }, { "word": "right", "start": 1554.015, "end": 1554.175, "confidence": 0.997002, "punctuated_word": "Right?", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "i", "start": 1554.175, "end": 1554.335, "confidence": 0.99991655, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "alluded", "start": 1554.335, "end": 1554.495, "confidence": 0.9989882, "punctuated_word": "alluded", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "to", "start": 1554.495, "end": 1554.975, "confidence": 0.9994773, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "the", "start": 1554.975, "end": 1555.215, "confidence": 0.9995302, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "divorce", "start": 1555.215, "end": 1555.6951, "confidence": 0.9964886, "punctuated_word": "divorce", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "reconciliation", "start": 1555.6951, "end": 1556.1951, "confidence": 0.9994475, "punctuated_word": "reconciliation", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "tool", "start": 1556.415, "end": 1556.915, "confidence": 0.99097085, "punctuated_word": "tool.", "speaker": 1, "speaker_confidence": 0.7882762 } ], "speaker": 1, "id": "7c801f3a-d63b-4f1f-92e4-4ae271d2d662" }, { "start": 1557.455, "end": 1557.955, "confidence": 0.9981297, "channel": 0, "transcript": "It's", "words": [ { "word": "it's", "start": 1557.455, "end": 1557.955, "confidence": 0.9981297, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.7882762 } ], "speaker": 1, "id": "ca119b6a-f8c0-4fe7-a91e-8b399dc827ef" }, { "start": 1558.655, "end": 1565.875, "confidence": 0.9601454, "channel": 0, "transcript": "it's limitless, really, when you think about it. It's and the the beauty of it is it's all dependent on a really, generally, simple transaction data", "words": [ { "word": "it's", "start": 1558.655, "end": 1558.8151, "confidence": 0.9649024, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "limitless", "start": 1558.8151, "end": 1559.3151, "confidence": 0.92821836, "punctuated_word": "limitless,", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "really", "start": 1559.375, "end": 1559.6951, "confidence": 0.99737036, "punctuated_word": "really,", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "when", "start": 1559.6951, "end": 1559.855, "confidence": 0.99991906, "punctuated_word": "when", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "you", "start": 1559.855, "end": 1559.935, "confidence": 0.9999068, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "think", "start": 1559.935, "end": 1560.095, "confidence": 0.9999585, "punctuated_word": "think", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "about", "start": 1560.095, "end": 1560.255, "confidence": 0.9997913, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "it", "start": 1560.255, "end": 1560.415, "confidence": 0.998564, "punctuated_word": "it.", "speaker": 1, "speaker_confidence": 0.7882762 }, { "word": "it's", "start": 1560.415, "end": 1560.5751, "confidence": 0.9978249, "punctuated_word": "It's", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "and", "start": 1560.655, "end": 1560.895, "confidence": 0.9974253, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "the", "start": 1560.895, "end": 1561.055, "confidence": 0.99030286, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "the", "start": 1561.055, "end": 1561.135, "confidence": 0.99444145, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "beauty", "start": 1561.135, "end": 1561.455, "confidence": 0.99971324, "punctuated_word": "beauty", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "of", "start": 1561.455, "end": 1561.535, "confidence": 0.9998989, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "it", "start": 1561.535, "end": 1561.6951, "confidence": 0.9998186, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "is", "start": 1561.6951, "end": 1561.855, "confidence": 0.999038, "punctuated_word": "is", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "it's", "start": 1561.855, "end": 1562.015, "confidence": 0.9894125, "punctuated_word": "it's", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "all", "start": 1562.015, "end": 1562.255, "confidence": 0.9999083, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "dependent", "start": 1562.255, "end": 1562.655, "confidence": 0.999164, "punctuated_word": "dependent", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "on", "start": 1562.655, "end": 1562.815, "confidence": 0.99982387, "punctuated_word": "on", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "a", "start": 1562.815, "end": 1562.975, "confidence": 0.53057075, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "really", "start": 1562.975, "end": 1563.475, "confidence": 0.78626645, "punctuated_word": "really,", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "generally", "start": 1563.6951, "end": 1564.175, "confidence": 0.7937454, "punctuated_word": "generally,", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "simple", "start": 1564.175, "end": 1564.675, "confidence": 0.9988814, "punctuated_word": "simple", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "transaction", "start": 1564.8151, "end": 1565.3151, "confidence": 0.9991547, "punctuated_word": "transaction", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "data", "start": 1565.375, "end": 1565.875, "confidence": 0.99975747, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.8934591 } ], "speaker": 1, "id": "556a4364-fb76-4c4b-aba7-aac4ccf13cd1" }, { "start": 1566.175, "end": 1614.9049, "confidence": 0.97167796, "channel": 0, "transcript": "that you have at your fingertips now. And, theoretically, you could have just printed out, right, and done with it, you know, in an Excel spreadsheet, kind of all this stuff on your own. But the ability to put it in categorized form, in dashboards, and to dice it and slice it and apply analytics to it empowers all of these tools to help you make sense of your finances. That's great. Yeah. No. I am I'm no Excel expert. So, you know, that that Excel solution is never a good one. Anything that makes it easier is better. I think the data that we have shows that before fintech, only about 2% of people actually had budgeting tools that they could track all their finances across all of the accounts that they had. So there's a huge, huge, huge benefit to this. Absolutely. Well, there are definitely a lot of potential benefits and some risks out there. So, hopefully, all sectors come together, figure this out. Steve, thank you so much for sharing your insights and being on Tech Talk. Thanks for having me.", "words": [ { "word": "that", "start": 1566.175, "end": 1566.655, "confidence": 0.9986172, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "you", "start": 1566.655, "end": 1566.895, "confidence": 0.9997738, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "have", "start": 1566.895, "end": 1567.135, "confidence": 0.9998056, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "at", "start": 1567.135, "end": 1567.215, "confidence": 0.9997814, "punctuated_word": "at", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "your", "start": 1567.215, "end": 1567.375, "confidence": 0.99976414, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "fingertips", "start": 1567.375, "end": 1567.875, "confidence": 0.9997116, "punctuated_word": "fingertips", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "now", "start": 1568.015, "end": 1568.34, "confidence": 0.9391084, "punctuated_word": "now.", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "and", "start": 1568.6599, "end": 1568.9, "confidence": 0.9485655, "punctuated_word": "And,", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "theoretically", "start": 1568.9, "end": 1569.4, "confidence": 0.99994457, "punctuated_word": "theoretically,", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "you", "start": 1569.46, "end": 1569.62, "confidence": 0.99987483, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "could", "start": 1569.62, "end": 1569.7799, "confidence": 0.9999081, "punctuated_word": "could", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "have", "start": 1569.7799, "end": 1569.94, "confidence": 0.9510281, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "just", "start": 1569.94, "end": 1570.1799, "confidence": 0.9997272, "punctuated_word": "just", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "printed", "start": 1570.1799, "end": 1570.58, "confidence": 0.80009216, "punctuated_word": "printed", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "out", "start": 1570.58, "end": 1570.9, "confidence": 0.95229125, "punctuated_word": "out,", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "right", "start": 1570.9, "end": 1571.22, "confidence": 0.9997011, "punctuated_word": "right,", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "and", "start": 1571.22, "end": 1571.46, "confidence": 0.9997538, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "done", "start": 1571.46, "end": 1571.7, "confidence": 0.99957997, "punctuated_word": "done", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "with", "start": 1571.7, "end": 1571.86, "confidence": 0.99983704, "punctuated_word": "with", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "it", "start": 1571.86, "end": 1571.98, "confidence": 0.8161459, "punctuated_word": "it,", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "you", "start": 1571.98, "end": 1572.1, "confidence": 0.9908337, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "know", "start": 1572.1, "end": 1572.26, "confidence": 0.9990896, "punctuated_word": "know,", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "in", "start": 1572.26, "end": 1572.34, "confidence": 0.59523606, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "an", "start": 1572.34, "end": 1572.4199, "confidence": 0.5823656, "punctuated_word": "an", "speaker": 1, "speaker_confidence": 0.8934591 }, { "word": "excel", "start": 1572.4199, "end": 1572.74, "confidence": 0.97258806, "punctuated_word": "Excel", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "spreadsheet", "start": 1572.74, "end": 1573.22, "confidence": 0.907749, "punctuated_word": "spreadsheet,", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "kind", "start": 1573.22, "end": 1573.46, "confidence": 0.992361, "punctuated_word": "kind", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "of", "start": 1573.46, "end": 1573.5399, "confidence": 0.9997496, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "all", "start": 1573.5399, "end": 1573.7, "confidence": 0.92873454, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "this", "start": 1573.7, "end": 1573.86, "confidence": 0.91822016, "punctuated_word": "this", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "stuff", "start": 1573.86, "end": 1574.1, "confidence": 0.9998666, "punctuated_word": "stuff", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "on", "start": 1574.1, "end": 1574.26, "confidence": 0.99092406, "punctuated_word": "on", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "your", "start": 1574.26, "end": 1574.4199, "confidence": 0.9994306, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "own", "start": 1574.4199, "end": 1574.9, "confidence": 0.9389827, "punctuated_word": "own.", "speaker": 1, "speaker_confidence": 0.69266814 }, { "word": "but", "start": 1574.9, "end": 1575.14, "confidence": 0.9976261, "punctuated_word": "But", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "the", "start": 1575.14, "end": 1575.2999, "confidence": 0.99991, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "ability", "start": 1575.2999, "end": 1575.7, "confidence": 0.9999299, "punctuated_word": "ability", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "to", "start": 1575.7, "end": 1575.86, "confidence": 0.99945766, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "put", "start": 1575.86, "end": 1576.02, "confidence": 0.9999064, "punctuated_word": "put", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "it", "start": 1576.02, "end": 1576.26, "confidence": 0.998765, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "in", "start": 1576.26, "end": 1576.5, "confidence": 0.99875534, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "categorized", "start": 1576.5, "end": 1577.0, "confidence": 0.9748038, "punctuated_word": "categorized", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "form", "start": 1577.14, "end": 1577.5399, "confidence": 0.813403, "punctuated_word": "form,", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "in", "start": 1577.5399, "end": 1577.7, "confidence": 0.99592507, "punctuated_word": "in", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "dashboards", "start": 1577.7, "end": 1578.2, "confidence": 0.98670155, "punctuated_word": "dashboards,", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "and", "start": 1578.34, "end": 1578.5, "confidence": 0.9996972, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "to", "start": 1578.5, "end": 1578.6599, "confidence": 0.99966145, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "dice", "start": 1578.6599, "end": 1578.9, "confidence": 0.9991229, "punctuated_word": "dice", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "it", "start": 1578.9, "end": 1578.98, "confidence": 0.97817343, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.74296165 }, { "word": "and", "start": 1578.98, "end": 1579.14, "confidence": 0.90851283, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "slice", "start": 1579.14, "end": 1579.38, "confidence": 0.99864143, "punctuated_word": "slice", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "it", "start": 1579.38, "end": 1579.46, "confidence": 0.9812122, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "and", "start": 1579.46, "end": 1579.62, "confidence": 0.83181995, "punctuated_word": "and", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "apply", "start": 1579.62, "end": 1579.86, "confidence": 0.99990535, "punctuated_word": "apply", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "analytics", "start": 1579.86, "end": 1580.34, "confidence": 0.9946727, "punctuated_word": "analytics", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "to", "start": 1580.34, "end": 1580.4199, "confidence": 0.9996487, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "it", "start": 1580.4199, "end": 1580.895, "confidence": 0.99945265, "punctuated_word": "it", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "empowers", "start": 1581.055, "end": 1581.375, "confidence": 0.9988791, "punctuated_word": "empowers", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "all", "start": 1581.375, "end": 1581.615, "confidence": 0.99986374, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "of", "start": 1581.615, "end": 1581.775, "confidence": 0.9994154, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.6350008 }, { "word": "these", "start": 1581.775, "end": 1581.935, "confidence": 0.9998404, "punctuated_word": "these", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "tools", "start": 1581.935, "end": 1582.255, "confidence": 0.9996811, "punctuated_word": "tools", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "to", "start": 1582.255, "end": 1582.415, "confidence": 0.99946827, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "help", "start": 1582.415, "end": 1582.5751, "confidence": 0.9999021, "punctuated_word": "help", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "you", "start": 1582.5751, "end": 1582.735, "confidence": 0.99973935, "punctuated_word": "you", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "make", "start": 1582.735, "end": 1582.975, "confidence": 0.99945074, "punctuated_word": "make", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "sense", "start": 1582.975, "end": 1583.135, "confidence": 0.99983597, "punctuated_word": "sense", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "of", "start": 1583.135, "end": 1583.295, "confidence": 0.9994628, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "your", "start": 1583.295, "end": 1583.4551, "confidence": 0.99977833, "punctuated_word": "your", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "finances", "start": 1583.4551, "end": 1583.9551, "confidence": 0.99951386, "punctuated_word": "finances.", "speaker": 1, "speaker_confidence": 0.63618016 }, { "word": "that's", "start": 1584.175, "end": 1584.415, "confidence": 0.9995757, "punctuated_word": "That's", "speaker": 2, "speaker_confidence": 0.22297001 }, { "word": "great", "start": 1584.415, "end": 1584.655, "confidence": 0.9998275, "punctuated_word": "great.", "speaker": 2, "speaker_confidence": 0.22297001 }, { "word": "yeah", "start": 1584.655, "end": 1584.895, "confidence": 0.997723, "punctuated_word": "Yeah.", "speaker": 2, "speaker_confidence": 0.60189885 }, { "word": "no", "start": 1584.895, "end": 1585.055, "confidence": 0.95826834, "punctuated_word": "No.", "speaker": 2, "speaker_confidence": 0.60189885 }, { "word": "i", "start": 1585.055, "end": 1585.135, "confidence": 0.9996489, "punctuated_word": "I", "speaker": 2, "speaker_confidence": 0.60189885 }, { "word": "am", "start": 1585.135, "end": 1585.255, "confidence": 0.6079459, "punctuated_word": "am", "speaker": 2, "speaker_confidence": 0.60189885 }, { "word": "i'm", "start": 1585.375, "end": 1585.615, "confidence": 0.99957955, "punctuated_word": "I'm", "speaker": 2, "speaker_confidence": 0.60189885 }, { "word": "no", "start": 1585.615, "end": 1585.855, "confidence": 0.9992725, "punctuated_word": "no", "speaker": 2, "speaker_confidence": 0.60189885 }, { "word": "excel", "start": 1585.855, "end": 1586.355, "confidence": 0.9644152, "punctuated_word": "Excel", "speaker": 2, "speaker_confidence": 0.60189885 }, { "word": "expert", "start": 1586.415, "end": 1586.8151, "confidence": 0.7611233, "punctuated_word": "expert.", "speaker": 2, "speaker_confidence": 0.60189885 }, { "word": "so", "start": 1586.8151, "end": 1586.975, "confidence": 0.990638, "punctuated_word": "So,", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "you", "start": 1586.975, "end": 1587.055, "confidence": 0.999828, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "know", "start": 1587.055, "end": 1587.295, "confidence": 0.99987006, "punctuated_word": "know,", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "that", "start": 1587.295, "end": 1587.535, "confidence": 0.99927264, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "that", "start": 1587.535, "end": 1587.6951, "confidence": 0.9991392, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "excel", "start": 1587.6951, "end": 1588.095, "confidence": 0.99511445, "punctuated_word": "Excel", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "solution", "start": 1588.095, "end": 1588.415, "confidence": 0.99936205, "punctuated_word": "solution", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "is", "start": 1588.415, "end": 1588.5751, "confidence": 0.9939634, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "never", "start": 1588.5751, "end": 1588.8151, "confidence": 0.99830234, "punctuated_word": "never", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "a", "start": 1588.8151, "end": 1588.895, "confidence": 0.9226047, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "good", "start": 1588.895, "end": 1589.055, "confidence": 0.999925, "punctuated_word": "good", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "one", "start": 1589.055, "end": 1589.215, "confidence": 0.9960177, "punctuated_word": "one.", "speaker": 2, "speaker_confidence": 0.64409316 }, { "word": "anything", "start": 1589.215, "end": 1589.4551, "confidence": 0.5832061, "punctuated_word": "Anything", "speaker": 2, "speaker_confidence": 0.46045768 }, { "word": "that", "start": 1589.4551, "end": 1589.615, "confidence": 0.9991008, "punctuated_word": "that", "speaker": 2, "speaker_confidence": 0.46045768 }, { "word": "makes", "start": 1589.615, "end": 1589.935, "confidence": 0.99535596, "punctuated_word": "makes", "speaker": 2, "speaker_confidence": 0.46045768 }, { "word": "it", "start": 1589.935, "end": 1590.095, "confidence": 0.98403144, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.46045768 }, { "word": "easier", "start": 1590.095, "end": 1590.335, "confidence": 0.9955979, "punctuated_word": "easier", "speaker": 2, "speaker_confidence": 0.46045768 }, { "word": "is", "start": 1590.335, "end": 1590.5751, "confidence": 0.9973073, "punctuated_word": "is", "speaker": 2, "speaker_confidence": 0.46045768 }, { "word": "better", "start": 1590.5751, "end": 1591.055, "confidence": 0.9992926, "punctuated_word": "better.", "speaker": 2, "speaker_confidence": 0.46045768 }, { "word": "i", "start": 1591.055, "end": 1591.215, "confidence": 0.9370935, "punctuated_word": "I", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "think", "start": 1591.215, "end": 1591.535, "confidence": 0.99468493, "punctuated_word": "think", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "the", "start": 1591.535, "end": 1591.775, "confidence": 0.9971878, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "data", "start": 1591.775, "end": 1592.095, "confidence": 0.99975485, "punctuated_word": "data", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "that", "start": 1592.095, "end": 1592.335, "confidence": 0.9997181, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "we", "start": 1592.335, "end": 1592.655, "confidence": 0.9997162, "punctuated_word": "we", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "have", "start": 1592.655, "end": 1593.055, "confidence": 0.9996784, "punctuated_word": "have", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "shows", "start": 1593.055, "end": 1593.375, "confidence": 0.9987637, "punctuated_word": "shows", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "that", "start": 1593.375, "end": 1593.615, "confidence": 0.9791621, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "before", "start": 1593.615, "end": 1593.935, "confidence": 0.9880207, "punctuated_word": "before", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "fintech", "start": 1593.935, "end": 1594.415, "confidence": 0.97697514, "punctuated_word": "fintech,", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "only", "start": 1594.415, "end": 1594.655, "confidence": 0.9995615, "punctuated_word": "only", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "about", "start": 1594.655, "end": 1594.86, "confidence": 0.9948015, "punctuated_word": "about", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "2%", "start": 1594.94, "end": 1595.34, "confidence": 0.99964833, "punctuated_word": "2%", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "of", "start": 1595.34, "end": 1595.58, "confidence": 0.99972385, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "people", "start": 1595.58, "end": 1595.82, "confidence": 0.99972314, "punctuated_word": "people", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "actually", "start": 1595.82, "end": 1596.22, "confidence": 0.99864537, "punctuated_word": "actually", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "had", "start": 1596.22, "end": 1596.72, "confidence": 0.9974808, "punctuated_word": "had", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "budgeting", "start": 1596.94, "end": 1597.34, "confidence": 0.99987924, "punctuated_word": "budgeting", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "tools", "start": 1597.34, "end": 1597.84, "confidence": 0.99979144, "punctuated_word": "tools", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "that", "start": 1597.9, "end": 1598.2999, "confidence": 0.95983154, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "they", "start": 1598.2999, "end": 1598.54, "confidence": 0.9943922, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "could", "start": 1598.54, "end": 1598.7, "confidence": 0.99974436, "punctuated_word": "could", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "track", "start": 1598.7, "end": 1599.02, "confidence": 0.99979347, "punctuated_word": "track", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "all", "start": 1599.02, "end": 1599.1799, "confidence": 0.99984336, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "their", "start": 1599.1799, "end": 1599.42, "confidence": 0.9923808, "punctuated_word": "their", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "finances", "start": 1599.42, "end": 1599.92, "confidence": 0.9982864, "punctuated_word": "finances", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "across", "start": 1599.98, "end": 1600.46, "confidence": 0.9998173, "punctuated_word": "across", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "all", "start": 1600.46, "end": 1600.7, "confidence": 0.99949384, "punctuated_word": "all", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "of", "start": 1600.7, "end": 1600.86, "confidence": 0.9948454, "punctuated_word": "of", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "the", "start": 1600.86, "end": 1601.02, "confidence": 0.99869174, "punctuated_word": "the", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "accounts", "start": 1601.02, "end": 1601.34, "confidence": 0.99902797, "punctuated_word": "accounts", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "that", "start": 1601.34, "end": 1601.5, "confidence": 0.99858046, "punctuated_word": "that", "speaker": 1, "speaker_confidence": 0.7356946 }, { "word": "they", "start": 1601.5, "end": 1601.66, "confidence": 0.9998696, "punctuated_word": "they", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "had", "start": 1601.66, "end": 1601.9, "confidence": 0.94176626, "punctuated_word": "had.", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "so", "start": 1601.9, "end": 1602.4, "confidence": 0.9994085, "punctuated_word": "So", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "there's", "start": 1602.46, "end": 1602.7, "confidence": 0.98968434, "punctuated_word": "there's", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "a", "start": 1602.7, "end": 1602.86, "confidence": 0.99862874, "punctuated_word": "a", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "huge", "start": 1602.86, "end": 1603.1799, "confidence": 0.92651224, "punctuated_word": "huge,", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "huge", "start": 1603.1799, "end": 1603.34, "confidence": 0.99727255, "punctuated_word": "huge,", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "huge", "start": 1603.34, "end": 1603.58, "confidence": 0.99986625, "punctuated_word": "huge", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "benefit", "start": 1603.58, "end": 1603.82, "confidence": 0.98401594, "punctuated_word": "benefit", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "to", "start": 1603.82, "end": 1604.0599, "confidence": 0.8986311, "punctuated_word": "to", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "this", "start": 1604.0599, "end": 1604.2999, "confidence": 0.9890439, "punctuated_word": "this.", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "absolutely", "start": 1604.2999, "end": 1604.62, "confidence": 0.74747497, "punctuated_word": "Absolutely.", "speaker": 1, "speaker_confidence": 0.5448288 }, { "word": "well", "start": 1604.62, "end": 1604.86, "confidence": 0.86991036, "punctuated_word": "Well,", "speaker": 2, "speaker_confidence": 0.62250316 }, { "word": "there", "start": 1604.86, "end": 1605.02, "confidence": 0.9990553, "punctuated_word": "there", "speaker": 2, "speaker_confidence": 0.62250316 }, { "word": "are", "start": 1605.02, "end": 1605.1799, "confidence": 0.9993529, "punctuated_word": "are", "speaker": 2, "speaker_confidence": 0.62250316 }, { "word": "definitely", "start": 1605.1799, "end": 1605.58, "confidence": 0.9985701, "punctuated_word": "definitely", "speaker": 2, "speaker_confidence": 0.62250316 }, { "word": "a", "start": 1605.58, "end": 1605.66, "confidence": 0.99912137, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.62250316 }, { "word": "lot", "start": 1605.66, "end": 1605.82, "confidence": 0.99941385, "punctuated_word": "lot", "speaker": 2, "speaker_confidence": 0.62250316 }, { "word": "of", "start": 1605.82, "end": 1605.9, "confidence": 0.9989073, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.62250316 }, { "word": "potential", "start": 1605.9, "end": 1606.38, "confidence": 0.99947757, "punctuated_word": "potential", "speaker": 2, "speaker_confidence": 0.62250316 }, { "word": "benefits", "start": 1606.38, "end": 1606.88, "confidence": 0.96246475, "punctuated_word": "benefits", "speaker": 2, "speaker_confidence": 0.62250316 }, { "word": "and", "start": 1607.02, "end": 1607.1, "confidence": 0.9776249, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.40014446 }, { "word": "some", "start": 1607.1, "end": 1607.26, "confidence": 0.996846, "punctuated_word": "some", "speaker": 2, "speaker_confidence": 0.40014446 }, { "word": "risks", "start": 1607.26, "end": 1607.58, "confidence": 0.9994267, "punctuated_word": "risks", "speaker": 2, "speaker_confidence": 0.40014446 }, { "word": "out", "start": 1607.58, "end": 1607.74, "confidence": 0.99970156, "punctuated_word": "out", "speaker": 2, "speaker_confidence": 0.40014446 }, { "word": "there", "start": 1607.74, "end": 1607.98, "confidence": 0.9536046, "punctuated_word": "there.", "speaker": 2, "speaker_confidence": 0.40014446 }, { "word": "so", "start": 1607.98, "end": 1608.0599, "confidence": 0.7702636, "punctuated_word": "So,", "speaker": 2, "speaker_confidence": 0.70748484 }, { "word": "hopefully", "start": 1608.0599, "end": 1608.46, "confidence": 0.9996697, "punctuated_word": "hopefully,", "speaker": 2, "speaker_confidence": 0.70748484 }, { "word": "all", "start": 1608.46, "end": 1608.7, "confidence": 0.9997582, "punctuated_word": "all", "speaker": 2, "speaker_confidence": 0.70748484 }, { "word": "sectors", "start": 1608.7, "end": 1609.1799, "confidence": 0.999074, "punctuated_word": "sectors", "speaker": 2, "speaker_confidence": 0.70748484 }, { "word": "come", "start": 1609.1799, "end": 1609.42, "confidence": 0.99893826, "punctuated_word": "come", "speaker": 2, "speaker_confidence": 0.70748484 }, { "word": "together", "start": 1609.42, "end": 1609.82, "confidence": 0.87197936, "punctuated_word": "together,", "speaker": 2, "speaker_confidence": 0.70748484 }, { "word": "figure", "start": 1609.82, "end": 1610.085, "confidence": 0.998982, "punctuated_word": "figure", "speaker": 2, "speaker_confidence": 0.70748484 }, { "word": "this", "start": 1610.085, "end": 1610.4049, "confidence": 0.99867034, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.70748484 }, { "word": "out", "start": 1610.4049, "end": 1610.725, "confidence": 0.99818385, "punctuated_word": "out.", "speaker": 2, "speaker_confidence": 0.70748484 }, { "word": "steve", "start": 1610.725, "end": 1611.225, "confidence": 0.99624914, "punctuated_word": "Steve,", "speaker": 2, "speaker_confidence": 0.66777104 }, { "word": "thank", "start": 1611.2849, "end": 1611.365, "confidence": 0.99916065, "punctuated_word": "thank", "speaker": 2, "speaker_confidence": 0.66777104 }, { "word": "you", "start": 1611.365, "end": 1611.5249, "confidence": 0.99994063, "punctuated_word": "you", "speaker": 2, "speaker_confidence": 0.66777104 }, { "word": "so", "start": 1611.5249, "end": 1611.6849, "confidence": 0.9993344, "punctuated_word": "so", "speaker": 2, "speaker_confidence": 0.66777104 }, { "word": "much", "start": 1611.6849, "end": 1611.845, "confidence": 0.9999502, "punctuated_word": "much", "speaker": 2, "speaker_confidence": 0.66777104 }, { "word": "for", "start": 1611.845, "end": 1612.085, "confidence": 0.99954826, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.66777104 }, { "word": "sharing", "start": 1612.085, "end": 1612.325, "confidence": 0.9991984, "punctuated_word": "sharing", "speaker": 2, "speaker_confidence": 0.66777104 }, { "word": "your", "start": 1612.325, "end": 1612.565, "confidence": 0.9992938, "punctuated_word": "your", "speaker": 2, "speaker_confidence": 0.66777104 }, { "word": "insights", "start": 1612.565, "end": 1612.885, "confidence": 0.9975352, "punctuated_word": "insights", "speaker": 2, "speaker_confidence": 0.66777104 }, { "word": "and", "start": 1612.885, "end": 1613.0449, "confidence": 0.96199095, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.34712076 }, { "word": "being", "start": 1613.0449, "end": 1613.2849, "confidence": 0.9979328, "punctuated_word": "being", "speaker": 2, "speaker_confidence": 0.34712076 }, { "word": "on", "start": 1613.2849, "end": 1613.445, "confidence": 0.9992255, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.34712076 }, { "word": "tech", "start": 1613.445, "end": 1613.605, "confidence": 0.7918198, "punctuated_word": "Tech", "speaker": 2, "speaker_confidence": 0.34712076 }, { "word": "talk", "start": 1613.605, "end": 1613.9249, "confidence": 0.97602034, "punctuated_word": "Talk.", "speaker": 2, "speaker_confidence": 0.34712076 }, { "word": "thanks", "start": 1613.9249, "end": 1614.085, "confidence": 0.99408466, "punctuated_word": "Thanks", "speaker": 1, "speaker_confidence": 0.18957615 }, { "word": "for", "start": 1614.085, "end": 1614.245, "confidence": 0.9974534, "punctuated_word": "for", "speaker": 1, "speaker_confidence": 0.18957615 }, { "word": "having", "start": 1614.245, "end": 1614.4049, "confidence": 0.99297196, "punctuated_word": "having", "speaker": 1, "speaker_confidence": 0.18957615 }, { "word": "me", "start": 1614.4049, "end": 1614.9049, "confidence": 0.99789727, "punctuated_word": "me.", "speaker": 1, "speaker_confidence": 0.18957615 } ], "speaker": 1, "id": "da37a235-dd73-4ab8-a445-e3e708f4ec86" }, { "start": 1619.6849, "end": 1625.88, "confidence": 0.98793674, "channel": 0, "transcript": "That's it for this episode of Tech Talk. If you'd like to find out more about CDC's work on data and privacy across sectors,", "words": [ { "word": "that's", "start": 1619.6849, "end": 1619.9249, "confidence": 0.9118984, "punctuated_word": "That's", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "it", "start": 1619.9249, "end": 1620.085, "confidence": 0.99965024, "punctuated_word": "it", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "for", "start": 1620.085, "end": 1620.245, "confidence": 0.9993456, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "this", "start": 1620.245, "end": 1620.485, "confidence": 0.99969065, "punctuated_word": "this", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "episode", "start": 1620.485, "end": 1620.8049, "confidence": 0.99938273, "punctuated_word": "episode", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "of", "start": 1620.8049, "end": 1621.0449, "confidence": 0.9997677, "punctuated_word": "of", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "tech", "start": 1621.0449, "end": 1621.205, "confidence": 0.98022777, "punctuated_word": "Tech", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "talk", "start": 1621.205, "end": 1621.605, "confidence": 0.9972211, "punctuated_word": "Talk.", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "if", "start": 1621.605, "end": 1621.765, "confidence": 0.9975013, "punctuated_word": "If", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "you'd", "start": 1621.765, "end": 1621.9249, "confidence": 0.99597156, "punctuated_word": "you'd", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "like", "start": 1621.9249, "end": 1622.085, "confidence": 0.99920386, "punctuated_word": "like", "speaker": 2, "speaker_confidence": 0.56621844 }, { "word": "to", "start": 1622.085, "end": 1622.1649, "confidence": 0.99870634, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "find", "start": 1622.1649, "end": 1622.325, "confidence": 0.9996213, "punctuated_word": "find", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "out", "start": 1622.325, "end": 1622.485, "confidence": 0.9992244, "punctuated_word": "out", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "more", "start": 1622.485, "end": 1622.725, "confidence": 0.9996507, "punctuated_word": "more", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "about", "start": 1622.725, "end": 1622.965, "confidence": 0.99783486, "punctuated_word": "about", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "cdc's", "start": 1622.965, "end": 1623.465, "confidence": 0.87331027, "punctuated_word": "CDC's", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "work", "start": 1623.5249, "end": 1623.845, "confidence": 0.9974693, "punctuated_word": "work", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "on", "start": 1623.845, "end": 1624.085, "confidence": 0.989952, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "data", "start": 1624.085, "end": 1624.485, "confidence": 0.9975084, "punctuated_word": "data", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "and", "start": 1624.485, "end": 1624.645, "confidence": 0.9970451, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "privacy", "start": 1624.645, "end": 1625.145, "confidence": 0.9995401, "punctuated_word": "privacy", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "across", "start": 1625.205, "end": 1625.5249, "confidence": 0.9925804, "punctuated_word": "across", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "sectors", "start": 1625.5249, "end": 1625.88, "confidence": 0.98817647, "punctuated_word": "sectors,", "speaker": 2, "speaker_confidence": 0.89523864 } ], "speaker": 2, "id": "40e08e44-05a9-449b-a6ab-d3c6b511e45d" }, { "start": 1626.4401, "end": 1628.54, "confidence": 0.979327, "channel": 0, "transcript": "be sure to visit cdt.org", "words": [ { "word": "be", "start": 1626.4401, "end": 1626.52, "confidence": 0.9797952, "punctuated_word": "be", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "sure", "start": 1626.52, "end": 1626.68, "confidence": 0.99961394, "punctuated_word": "sure", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "to", "start": 1626.68, "end": 1626.84, "confidence": 0.99963427, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "visit", "start": 1626.84, "end": 1627.16, "confidence": 0.99966216, "punctuated_word": "visit", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "cdt.org", "start": 1627.16, "end": 1628.54, "confidence": 0.9179292, "punctuated_word": "cdt.org", "speaker": 2, "speaker_confidence": 0.8952387 } ], "speaker": 2, "id": "e5ee6fe4-7672-442e-a516-b8caab5da380" }, { "start": 1629.0, "end": 1634.78, "confidence": 0.98788375, "channel": 0, "transcript": "and we'd love getting feedback on the issues we talk about on the show so be sure to tweet any comments to us", "words": [ { "word": "and", "start": 1629.0, "end": 1629.48, "confidence": 0.979835, "punctuated_word": "and", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "we'd", "start": 1629.48, "end": 1629.8, "confidence": 0.91200817, "punctuated_word": "we'd", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "love", "start": 1629.8, "end": 1630.12, "confidence": 0.9987841, "punctuated_word": "love", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "getting", "start": 1630.12, "end": 1630.36, "confidence": 0.99745446, "punctuated_word": "getting", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "feedback", "start": 1630.36, "end": 1630.76, "confidence": 0.9997881, "punctuated_word": "feedback", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "on", "start": 1630.76, "end": 1630.84, "confidence": 0.99943346, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "the", "start": 1630.84, "end": 1631.0, "confidence": 0.9997254, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "issues", "start": 1631.0, "end": 1631.32, "confidence": 0.9993005, "punctuated_word": "issues", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "we", "start": 1631.32, "end": 1631.48, "confidence": 0.9991032, "punctuated_word": "we", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "talk", "start": 1631.48, "end": 1631.72, "confidence": 0.85795087, "punctuated_word": "talk", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "about", "start": 1631.72, "end": 1631.96, "confidence": 0.9998549, "punctuated_word": "about", "speaker": 2, "speaker_confidence": 0.89523864 }, { "word": "on", "start": 1631.96, "end": 1632.04, "confidence": 0.999137, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "the", "start": 1632.04, "end": 1632.2, "confidence": 0.9994055, "punctuated_word": "the", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "show", "start": 1632.2, "end": 1632.4401, "confidence": 0.9997008, "punctuated_word": "show", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "so", "start": 1632.4401, "end": 1632.68, "confidence": 0.9878148, "punctuated_word": "so", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "be", "start": 1632.68, "end": 1632.84, "confidence": 0.99916756, "punctuated_word": "be", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "sure", "start": 1632.84, "end": 1633.0, "confidence": 0.99988806, "punctuated_word": "sure", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "to", "start": 1633.0, "end": 1633.24, "confidence": 0.9996189, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "tweet", "start": 1633.24, "end": 1633.48, "confidence": 0.9969236, "punctuated_word": "tweet", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "any", "start": 1633.48, "end": 1633.72, "confidence": 0.9995009, "punctuated_word": "any", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "comments", "start": 1633.72, "end": 1634.12, "confidence": 0.9994312, "punctuated_word": "comments", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "to", "start": 1634.12, "end": 1634.28, "confidence": 0.9982237, "punctuated_word": "to", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "us", "start": 1634.28, "end": 1634.78, "confidence": 0.9992778, "punctuated_word": "us", "speaker": 2, "speaker_confidence": 0.9069252 } ], "speaker": 2, "id": "5f38971f-1c75-4c93-b9fa-b1d2cedf5095" }, { "start": 1635.16, "end": 1639.9025, "confidence": 0.93073165, "channel": 0, "transcript": "at sendem tech or leave a comment on SoundCloud Google Play or iTunes", "words": [ { "word": "at", "start": 1635.16, "end": 1635.32, "confidence": 0.97504526, "punctuated_word": "at", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "sendem", "start": 1635.32, "end": 1635.82, "confidence": 0.6116359, "punctuated_word": "sendem", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "tech", "start": 1635.88, "end": 1636.36, "confidence": 0.73899245, "punctuated_word": "tech", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "or", "start": 1636.36, "end": 1636.6, "confidence": 0.99794596, "punctuated_word": "or", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "leave", "start": 1636.6, "end": 1636.92, "confidence": 0.9995455, "punctuated_word": "leave", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "a", "start": 1636.92, "end": 1637.0, "confidence": 0.99920744, "punctuated_word": "a", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "comment", "start": 1637.0, "end": 1637.4, "confidence": 0.9999306, "punctuated_word": "comment", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "on", "start": 1637.4, "end": 1637.64, "confidence": 0.9981602, "punctuated_word": "on", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "soundcloud", "start": 1637.64, "end": 1638.14, "confidence": 0.902275, "punctuated_word": "SoundCloud", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "google", "start": 1638.3625, "end": 1638.6825, "confidence": 0.9708681, "punctuated_word": "Google", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "play", "start": 1638.6825, "end": 1639.1625, "confidence": 0.9198341, "punctuated_word": "Play", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "or", "start": 1639.1625, "end": 1639.4025, "confidence": 0.99408275, "punctuated_word": "or", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "itunes", "start": 1639.4025, "end": 1639.9025, "confidence": 0.9919882, "punctuated_word": "iTunes", "speaker": 2, "speaker_confidence": 0.9069252 } ], "speaker": 2, "id": "a22dc3be-e704-4690-8714-c9b376a2d648" }, { "start": 1640.4425, "end": 1642.6226, "confidence": 0.8887126, "channel": 0, "transcript": "I'm Brian Wasilowski thanks for listening", "words": [ { "word": "i'm", "start": 1640.4425, "end": 1640.6825, "confidence": 0.9696084, "punctuated_word": "I'm", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "brian", "start": 1640.6825, "end": 1640.9225, "confidence": 0.85441893, "punctuated_word": "Brian", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "wasilowski", "start": 1640.9225, "end": 1641.4225, "confidence": 0.5905917, "punctuated_word": "Wasilowski", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "thanks", "start": 1641.6425, "end": 1641.9625, "confidence": 0.9183564, "punctuated_word": "thanks", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "for", "start": 1641.9625, "end": 1642.1226, "confidence": 0.9996846, "punctuated_word": "for", "speaker": 2, "speaker_confidence": 0.9069252 }, { "word": "listening", "start": 1642.1226, "end": 1642.6226, "confidence": 0.9996159, "punctuated_word": "listening", "speaker": 2, "speaker_confidence": 0.9069252 } ], "speaker": 2, "id": "b2d37bc8-bf81-4bc1-901e-4d6e92b9bb05" } ], "summary": null } }