{"version":"1.0.0","segments":[{"speaker":"Treichel","startTime":2.7,"endTime":2.79,"body":"Hey"},{"speaker":"Treichel","startTime":2.79,"endTime":3.27,"body":"everyone,"},{"speaker":"Treichel","startTime":3.2800000000000002,"endTime":3.44,"body":"this"},{"speaker":"Treichel","startTime":3.44,"endTime":3.58,"body":"is"},{"speaker":"Treichel","startTime":3.58,"endTime":4,"body":"Mark"},{"speaker":"Treichel","startTime":4.0600000000000005,"endTime":4.28,"body":"with"},{"speaker":"Treichel","startTime":4.28,"endTime":4.34,"body":"a"},{"speaker":"Treichel","startTime":4.34,"endTime":4.9,"body":"special"},{"speaker":"Treichel","startTime":5.03,"endTime":5.59,"body":"Archive"},{"speaker":"Treichel","startTime":5.62,"endTime":6.18,"body":"episode"},{"speaker":"Treichel","startTime":6.2,"endTime":6.45,"body":"of"},{"speaker":"Treichel","startTime":6.45,"endTime":6.74,"body":"With"},{"speaker":"Treichel","startTime":6.88,"endTime":7.43,"body":"Flying"},{"speaker":"Treichel","startTime":7.53,"endTime":8.07,"body":"Colors."},{"speaker":"Treichel","startTime":8.129999999999999,"endTime":8.25,"body":"I"},{"speaker":"Treichel","startTime":8.25,"endTime":8.469999999999999,"body":"hope"},{"speaker":"Treichel","startTime":8.469999999999999,"endTime":8.57,"body":"you"},{"speaker":"Treichel","startTime":8.57,"endTime":8.870000000000001,"body":"enjoy."},{"speaker":"Katie","startTime":12.951,"endTime":13.051,"body":"Do"},{"speaker":"Katie","startTime":13.051,"endTime":13.251,"body":"you"},{"speaker":"Katie","startTime":13.251,"endTime":13.401,"body":"want"},{"speaker":"Katie","startTime":13.401,"endTime":13.481,"body":"to"},{"speaker":"Katie","startTime":13.481,"endTime":14.171,"body":"maximize"},{"speaker":"Katie","startTime":14.171,"endTime":14.301,"body":"your"},{"speaker":"Katie","startTime":14.301,"endTime":14.791,"body":"success"},{"speaker":"Katie","startTime":14.831,"endTime":15.030999999999999,"body":"with"},{"speaker":"Katie","startTime":15.061,"endTime":15.921,"body":"NCUA?"},{"speaker":"Katie","startTime":16.301000000000002,"endTime":16.601,"body":"Join"},{"speaker":"Katie","startTime":16.601,"endTime":16.851,"body":"Mark"},{"speaker":"Katie","startTime":16.860999999999997,"endTime":17.341,"body":"Treichel"},{"speaker":"Katie","startTime":17.341,"endTime":17.430999999999997,"body":"as"},{"speaker":"Katie","startTime":17.481,"endTime":17.521,"body":"he"},{"speaker":"Katie","startTime":17.521,"endTime":17.871,"body":"shares"},{"speaker":"Katie","startTime":17.871000000000002,"endTime":18.041,"body":"with"},{"speaker":"Katie","startTime":18.041,"endTime":18.180999999999997,"body":"you"},{"speaker":"Katie","startTime":18.180999999999997,"endTime":18.331,"body":"the"},{"speaker":"Katie","startTime":18.351,"endTime":18.811,"body":"insider's"},{"speaker":"Katie","startTime":18.891,"endTime":19.151,"body":"view"},{"speaker":"Katie","startTime":19.151,"endTime":19.290999999999997,"body":"on"},{"speaker":"Katie","startTime":19.311,"endTime":19.701,"body":"passing"},{"speaker":"Katie","startTime":19.701,"endTime":19.860999999999997,"body":"your"},{"speaker":"Katie","startTime":19.860999999999997,"endTime":20.401,"body":"exam"},{"speaker":"Katie","startTime":20.610999999999997,"endTime":20.841,"body":"with"},{"speaker":"Katie","startTime":20.851,"endTime":21.261,"body":"Flying"},{"speaker":"Katie","startTime":21.281,"endTime":21.750999999999998,"body":"Colors."},{"speaker":"Katie","startTime":22.281,"endTime":22.430999999999997,"body":"The"},{"speaker":"Katie","startTime":22.430999999999997,"endTime":22.651,"body":"With"},{"speaker":"Katie","startTime":22.661,"endTime":22.991,"body":"Flying"},{"speaker":"Katie","startTime":22.991,"endTime":23.331,"body":"Colors"},{"speaker":"Katie","startTime":23.360999,"endTime":23.810999,"body":"podcast"},{"speaker":"Katie","startTime":23.971,"endTime":23.991,"body":"is"},{"speaker":"Katie","startTime":23.991,"endTime":24.430999999999997,"body":"sponsored"},{"speaker":"Katie","startTime":24.430999999999997,"endTime":24.551,"body":"by"},{"speaker":"Katie","startTime":24.561,"endTime":24.8609995,"body":"Credit"},{"speaker":"Katie","startTime":24.8609995,"endTime":25.190998999999998,"body":"Union"},{"speaker":"Katie","startTime":25.190998999999998,"endTime":25.550998999999997,"body":"Exam"},{"speaker":"Katie","startTime":25.551,"endTime":26.171,"body":"Solutions"},{"speaker":"Katie","startTime":26.180999999999997,"endTime":26.341,"body":"by"},{"speaker":"Katie","startTime":26.341,"endTime":26.651000000000003,"body":"Mark"},{"speaker":"Katie","startTime":26.701,"endTime":27.171,"body":"Treichel."},{"speaker":"Katie","startTime":27.440998999999998,"endTime":27.590999000000004,"body":"If"},{"speaker":"Katie","startTime":27.591,"endTime":27.661,"body":"you"},{"speaker":"Katie","startTime":27.661,"endTime":27.831000000000003,"body":"would"},{"speaker":"Katie","startTime":27.831000000000003,"endTime":27.980999500000003,"body":"like"},{"speaker":"Katie","startTime":27.980999500000003,"endTime":28.120998999999998,"body":"to"},{"speaker":"Katie","startTime":28.121000000000002,"endTime":28.331000000000003,"body":"work"},{"speaker":"Katie","startTime":28.331000000000003,"endTime":28.851,"body":"directly"},{"speaker":"Katie","startTime":28.851,"endTime":29.011000000000003,"body":"with"},{"speaker":"Katie","startTime":29.021,"endTime":29.131,"body":"the"},{"speaker":"Katie","startTime":29.140999,"endTime":29.390999,"body":"Credit"},{"speaker":"Katie","startTime":29.421,"endTime":29.741,"body":"Union"},{"speaker":"Katie","startTime":29.741,"endTime":30.120999500000003,"body":"Exam"},{"speaker":"Katie","startTime":30.120999500000003,"endTime":30.650999,"body":"Solutions"},{"speaker":"Katie","startTime":30.710999,"endTime":31.060999000000002,"body":"team"},{"speaker":"Katie","startTime":31.060999000000002,"endTime":31.190998999999998,"body":"and"},{"speaker":"Katie","startTime":31.191000000000003,"endTime":31.531,"body":"receive"},{"speaker":"Katie","startTime":31.531100000000002,"endTime":31.7059,"body":"support."},{"speaker":"Katie","startTime":31.706000000000003,"endTime":32.036,"body":"Port"},{"speaker":"Katie","startTime":32.036,"endTime":32.156,"body":"to"},{"speaker":"Katie","startTime":32.156,"endTime":32.756,"body":"optimize"},{"speaker":"Katie","startTime":32.756,"endTime":32.876000000000005,"body":"your"},{"speaker":"Katie","startTime":32.876000000000005,"endTime":33.356,"body":"results"},{"speaker":"Katie","startTime":33.356,"endTime":33.506,"body":"with"},{"speaker":"Katie","startTime":33.506,"endTime":34.226,"body":"NCUA,"},{"speaker":"Katie","startTime":34.226,"endTime":34.376000000000005,"body":"so"},{"speaker":"Katie","startTime":34.376000000000005,"endTime":34.526,"body":"you"},{"speaker":"Katie","startTime":34.526,"endTime":34.796,"body":"save"},{"speaker":"Katie","startTime":34.796,"endTime":35.216,"body":"time"},{"speaker":"Katie","startTime":35.216,"endTime":35.486000000000004,"body":"and"},{"speaker":"Katie","startTime":35.486000000000004,"endTime":35.846000000000004,"body":"money."},{"speaker":"Katie","startTime":36.206,"endTime":36.506,"body":"Visit"},{"speaker":"Katie","startTime":36.506,"endTime":37.946000000000005,"body":"us@markttrico.com"},{"speaker":"Katie","startTime":37.946000000000005,"endTime":38.126000000000005,"body":"to"},{"speaker":"Katie","startTime":38.126000000000005,"endTime":38.396,"body":"find"},{"speaker":"Katie","startTime":38.396,"endTime":38.576,"body":"out"},{"speaker":"Katie","startTime":38.576,"endTime":38.906,"body":"more."},{"speaker":"Treichel","startTime":45.225,"endTime":45.465,"body":"Hey,"},{"speaker":"Treichel","startTime":45.465,"endTime":45.735,"body":"this"},{"speaker":"Treichel","startTime":45.735,"endTime":45.885000000000005,"body":"is"},{"speaker":"Treichel","startTime":45.885000000000005,"endTime":46.245000000000005,"body":"Mark"},{"speaker":"Treichel","startTime":46.245000000000005,"endTime":46.635000000000005,"body":"TriCal"},{"speaker":"Treichel","startTime":46.635000000000005,"endTime":46.845,"body":"with"},{"speaker":"Treichel","startTime":46.845,"endTime":47.325,"body":"another"},{"speaker":"Treichel","startTime":47.325,"endTime":48.105000000000004,"body":"episode"},{"speaker":"Treichel","startTime":48.105000000000004,"endTime":48.405,"body":"of"},{"speaker":"Treichel","startTime":48.465,"endTime":48.765,"body":"With"},{"speaker":"Treichel","startTime":48.765,"endTime":49.215,"body":"Flying"},{"speaker":"Treichel","startTime":49.215,"endTime":49.845,"body":"Colors."},{"speaker":"Treichel","startTime":49.905,"endTime":50.535,"body":"Today's"},{"speaker":"Treichel","startTime":50.535,"endTime":51.075,"body":"topic"},{"speaker":"Treichel","startTime":51.075,"endTime":51.345,"body":"is"},{"speaker":"Treichel","startTime":51.345,"endTime":51.584999999999994,"body":"going"},{"speaker":"Treichel","startTime":51.584999999999994,"endTime":51.735,"body":"to"},{"speaker":"Treichel","startTime":51.735,"endTime":52.004999999999995,"body":"be"},{"speaker":"Treichel","startTime":52.004999999999995,"endTime":52.155,"body":"an"},{"speaker":"Treichel","startTime":52.155,"endTime":52.754999999999995,"body":"update"},{"speaker":"Treichel","startTime":53.195,"endTime":53.40500000000001,"body":"on"},{"speaker":"Treichel","startTime":53.40500000000001,"endTime":53.855000000000004,"body":"NNC"},{"speaker":"Treichel","startTime":53.855000000000004,"endTime":54.095000000000006,"body":"a's"},{"speaker":"Treichel","startTime":54.095000000000006,"endTime":54.815000000000005,"body":"stakeholder"},{"speaker":"Treichel","startTime":54.815000000000005,"endTime":55.415,"body":"forum"},{"speaker":"Treichel","startTime":55.415,"endTime":55.715,"body":"on"},{"speaker":"Treichel","startTime":55.715,"endTime":56.165,"body":"interest"},{"speaker":"Treichel","startTime":56.165,"endTime":56.495000000000005,"body":"rate"},{"speaker":"Treichel","startTime":56.495000000000005,"endTime":56.945,"body":"risk"},{"speaker":"Treichel","startTime":56.945,"endTime":57.965,"body":"supervisory."},{"speaker":"Treichel","startTime":58.215,"endTime":58.83500000000001,"body":"Framework."},{"speaker":"Treichel","startTime":59.415000000000006,"endTime":59.72500000000001,"body":"This"},{"speaker":"Treichel","startTime":59.745000000000005,"endTime":60.08500000000001,"body":"webinar"},{"speaker":"Treichel","startTime":60.135000000000005,"endTime":60.395,"body":"and"},{"speaker":"Treichel","startTime":60.40500000000001,"endTime":60.94500000000001,"body":"update"},{"speaker":"Treichel","startTime":60.965,"endTime":61.175000000000004,"body":"from"},{"speaker":"Treichel","startTime":61.175000000000004,"endTime":61.955000000000005,"body":"NCOA"},{"speaker":"Treichel","startTime":62.025000000000006,"endTime":62.415000000000006,"body":"just"},{"speaker":"Treichel","startTime":62.415000000000006,"endTime":62.915000000000006,"body":"happened"},{"speaker":"Treichel","startTime":62.93500000000001,"endTime":63.425000000000004,"body":"at"},{"speaker":"Treichel","startTime":63.42510000000001,"endTime":63.70490000000001,"body":"2."},{"speaker":"Treichel","startTime":63.785000000000004,"endTime":64.475,"body":"30"},{"speaker":"Treichel","startTime":64.495,"endTime":64.985,"body":"Eastern"},{"speaker":"Treichel","startTime":64.995,"endTime":65.205,"body":"on"},{"speaker":"Treichel","startTime":65.205,"endTime":65.815,"body":"September"},{"speaker":"Treichel","startTime":65.825,"endTime":66.475,"body":"15th."},{"speaker":"Treichel","startTime":67.215,"endTime":67.39500000000001,"body":"I"},{"speaker":"Treichel","startTime":67.39500000000001,"endTime":67.795,"body":"listened"},{"speaker":"Treichel","startTime":67.795,"endTime":67.965,"body":"to"},{"speaker":"Treichel","startTime":67.965,"endTime":68.14500000000001,"body":"it"},{"speaker":"Treichel","startTime":68.19499900000001,"endTime":68.824999,"body":"and"},{"speaker":"Treichel","startTime":68.83500000000001,"endTime":68.995,"body":"one"},{"speaker":"Treichel","startTime":68.995,"endTime":69.08500000000001,"body":"of"},{"speaker":"Treichel","startTime":69.08500000000001,"endTime":69.25500000000001,"body":"my"},{"speaker":"Treichel","startTime":69.28500000000001,"endTime":69.515,"body":"team"},{"speaker":"Treichel","startTime":69.52499900000001,"endTime":69.94499900000001,"body":"members,"},{"speaker":"Treichel","startTime":69.94499900000001,"endTime":70.254999,"body":"Todd"},{"speaker":"Treichel","startTime":70.25500000000001,"endTime":70.655,"body":"Miller,"},{"speaker":"Treichel","startTime":70.665,"endTime":70.8149995,"body":"who"},{"speaker":"Treichel","startTime":70.8149995,"endTime":71.014999,"body":"is"},{"speaker":"Treichel","startTime":71.54,"endTime":71.77,"body":"Got"},{"speaker":"Treichel","startTime":71.77,"endTime":71.87,"body":"a"},{"speaker":"Treichel","startTime":71.88,"endTime":72.2,"body":"great"},{"speaker":"Treichel","startTime":72.21,"endTime":72.77,"body":"background"},{"speaker":"Treichel","startTime":72.77,"endTime":72.91,"body":"in"},{"speaker":"Treichel","startTime":72.91,"endTime":73.29,"body":"this,"},{"speaker":"Treichel","startTime":73.32000000000001,"endTime":73.77,"body":"also"},{"speaker":"Treichel","startTime":73.77,"endTime":74.14,"body":"listened"},{"speaker":"Treichel","startTime":74.14,"endTime":74.3,"body":"to"},{"speaker":"Treichel","startTime":74.3,"endTime":74.44,"body":"it,"},{"speaker":"Treichel","startTime":74.46,"endTime":74.6,"body":"and"},{"speaker":"Treichel","startTime":74.6,"endTime":74.73,"body":"we're"},{"speaker":"Treichel","startTime":74.73,"endTime":74.86,"body":"going"},{"speaker":"Treichel","startTime":74.86,"endTime":74.94,"body":"to"},{"speaker":"Treichel","startTime":74.94,"endTime":75.28,"body":"talk"},{"speaker":"Treichel","startTime":75.29,"endTime":75.72,"body":"through"},{"speaker":"Treichel","startTime":76.19,"endTime":76.46,"body":"our"},{"speaker":"Treichel","startTime":76.46,"endTime":76.98,"body":"immediate"},{"speaker":"Treichel","startTime":77.03,"endTime":77.42,"body":"take"},{"speaker":"Treichel","startTime":77.42,"endTime":77.58,"body":"on"},{"speaker":"Treichel","startTime":77.59,"endTime":77.92999999999999,"body":"having"},{"speaker":"Treichel","startTime":77.92999999999999,"endTime":78.28,"body":"just"},{"speaker":"Treichel","startTime":78.28,"endTime":78.68,"body":"heard"},{"speaker":"Treichel","startTime":78.74,"endTime":79.74,"body":"NCUA's"},{"speaker":"Treichel","startTime":80.91,"endTime":81.57,"body":"webinar"},{"speaker":"Treichel","startTime":81.62,"endTime":81.9,"body":"on"},{"speaker":"Treichel","startTime":81.9,"endTime":82.12,"body":"their"},{"speaker":"Treichel","startTime":82.13,"endTime":82.7199995,"body":"changes"},{"speaker":"Treichel","startTime":82.7199995,"endTime":83.259999,"body":"to"},{"speaker":"Treichel","startTime":83.60000000000001,"endTime":84.0499995,"body":"Interest"},{"speaker":"Treichel","startTime":84.0499995,"endTime":84.30999899999999,"body":"Rate"},{"speaker":"Treichel","startTime":84.31000000000002,"endTime":84.69000000000001,"body":"Risk"},{"speaker":"Treichel","startTime":84.77,"endTime":85.47000000000001,"body":"Supervisory"},{"speaker":"Treichel","startTime":85.47000000000001,"endTime":86.07000000000001,"body":"Framework,"},{"speaker":"Treichel","startTime":86.479999,"endTime":86.799999,"body":"which"},{"speaker":"Treichel","startTime":86.809999,"endTime":87.359999,"body":"was"},{"speaker":"Treichel","startTime":87.42,"endTime":88.06,"body":"outlined"},{"speaker":"Treichel","startTime":88.07000000000001,"endTime":88.4399995,"body":"in"},{"speaker":"Treichel","startTime":88.4399995,"endTime":88.839999,"body":"letter"},{"speaker":"Treichel","startTime":88.849999,"endTime":90.839999,"body":"22"},{"speaker":"Treichel","startTime":90.84009900000001,"endTime":91.1699,"body":"CU09,"},{"speaker":"Treichel","startTime":91.17,"endTime":91.8,"body":"issued"},{"speaker":"Treichel","startTime":91.88,"endTime":92.33,"body":"just"},{"speaker":"Treichel","startTime":92.33,"endTime":92.63,"body":"this"},{"speaker":"Treichel","startTime":92.63,"endTime":92.92,"body":"month."},{"speaker":"Treichel","startTime":92.98,"endTime":93.52000000000001,"body":"Todd,"},{"speaker":"Treichel","startTime":93.59,"endTime":93.78,"body":"how"},{"speaker":"Treichel","startTime":93.78,"endTime":93.86,"body":"are"},{"speaker":"Treichel","startTime":93.86,"endTime":94,"body":"you"},{"speaker":"Treichel","startTime":94,"endTime":94.25,"body":"doing"},{"speaker":"Treichel","startTime":94.25,"endTime":94.53,"body":"today?"},{"speaker":"Miller","startTime":95.52499999999999,"endTime":95.72500000000001,"body":"I"},{"speaker":"Miller","startTime":95.72500000000001,"endTime":95.96499999999999,"body":"am"},{"speaker":"Miller","startTime":95.96499999999999,"endTime":96.37499999999999,"body":"doing,"},{"speaker":"Miller","startTime":96.40499999999999,"endTime":96.49499999999999,"body":"the"},{"speaker":"Miller","startTime":96.49499999999999,"endTime":96.835,"body":"weather's"},{"speaker":"Miller","startTime":96.835,"endTime":96.90499999999999,"body":"a"},{"speaker":"Miller","startTime":96.90499999999999,"endTime":97.145,"body":"little"},{"speaker":"Miller","startTime":97.145,"endTime":97.355,"body":"bit"},{"speaker":"Miller","startTime":97.355,"endTime":97.74499999999999,"body":"cooler."},{"speaker":"Miller","startTime":97.74499999999999,"endTime":97.925,"body":"It's"},{"speaker":"Miller","startTime":97.925,"endTime":98.085,"body":"been"},{"speaker":"Miller","startTime":98.085,"endTime":98.12499999999999,"body":"a"},{"speaker":"Miller","startTime":98.12499999999999,"endTime":98.46499999999999,"body":"lot,"},{"speaker":"Miller","startTime":98.805,"endTime":98.89500000000001,"body":"a"},{"speaker":"Miller","startTime":98.89500000000001,"endTime":99.205,"body":"very"},{"speaker":"Miller","startTime":99.205,"endTime":99.465,"body":"hot"},{"speaker":"Miller","startTime":99.465,"endTime":99.815,"body":"summer"},{"speaker":"Miller","startTime":99.815,"endTime":100.00500000000001,"body":"out"},{"speaker":"Miller","startTime":100.00500000000001,"endTime":100.22500000000001,"body":"here,"},{"speaker":"Miller","startTime":100.22500000000001,"endTime":100.555,"body":"but"},{"speaker":"Miller","startTime":100.955,"endTime":101.515,"body":"today,"},{"speaker":"Miller","startTime":101.94500000000001,"endTime":102.375,"body":"weather's"},{"speaker":"Miller","startTime":102.39500000000001,"endTime":102.925,"body":"nice,"},{"speaker":"Miller","startTime":103.015,"endTime":103.325,"body":"doing"},{"speaker":"Miller","startTime":103.325,"endTime":103.705,"body":"well,"},{"speaker":"Miller","startTime":103.795,"endTime":104.25500000000001,"body":"and"},{"speaker":"Miller","startTime":104.265,"endTime":104.455,"body":"this"},{"speaker":"Miller","startTime":104.52499900000001,"endTime":104.794999,"body":"is"},{"speaker":"Miller","startTime":104.805,"endTime":104.985,"body":"an"},{"speaker":"Miller","startTime":104.985,"endTime":105.6849995,"body":"interesting"},{"speaker":"Miller","startTime":105.6849995,"endTime":105.984999,"body":"thing."},{"speaker":"Miller","startTime":105.985,"endTime":106.165,"body":"Been"},{"speaker":"Miller","startTime":106.165,"endTime":106.485,"body":"waiting"},{"speaker":"Miller","startTime":106.485,"endTime":106.675,"body":"for"},{"speaker":"Miller","startTime":106.67500000000001,"endTime":106.775,"body":"it"},{"speaker":"Miller","startTime":106.785,"endTime":107.055,"body":"since"},{"speaker":"Miller","startTime":107.055,"endTime":107.165,"body":"I"},{"speaker":"Miller","startTime":107.17500000000001,"endTime":107.47500000000001,"body":"signed"},{"speaker":"Miller","startTime":107.485,"endTime":107.655,"body":"up"},{"speaker":"Miller","startTime":107.655,"endTime":107.9349995,"body":"for"},{"speaker":"Miller","startTime":107.9349995,"endTime":108.114999,"body":"it."},{"speaker":"Miller","startTime":108.625,"endTime":109.175,"body":"So"},{"speaker":"Miller","startTime":109.18499999999999,"endTime":109.52499999999999,"body":"listen"},{"speaker":"Miller","startTime":109.52499999999999,"endTime":109.6949995,"body":"to"},{"speaker":"Miller","startTime":109.6949995,"endTime":109.774999,"body":"it"},{"speaker":"Miller","startTime":109.80499999999999,"endTime":109.99499949999999,"body":"with"},{"speaker":"Miller","startTime":109.99499949999999,"endTime":110.054999,"body":"a"},{"speaker":"Miller","startTime":110.05499999999999,"endTime":110.355,"body":"great"},{"speaker":"Miller","startTime":110.355,"endTime":110.605,"body":"deal"},{"speaker":"Miller","startTime":110.605,"endTime":110.7349995,"body":"of"},{"speaker":"Miller","startTime":110.7349995,"endTime":111.584999,"body":"anticipation."},{"speaker":"Treichel","startTime":111.87,"endTime":112.11,"body":"Yeah,"},{"speaker":"Treichel","startTime":112.13,"endTime":112.29,"body":"you"},{"speaker":"Treichel","startTime":112.29,"endTime":112.36,"body":"and"},{"speaker":"Treichel","startTime":112.36,"endTime":112.42,"body":"I"},{"speaker":"Treichel","startTime":112.42,"endTime":112.52,"body":"have"},{"speaker":"Treichel","startTime":112.53,"endTime":112.86,"body":"both"},{"speaker":"Treichel","startTime":112.86,"endTime":113.23,"body":"been"},{"speaker":"Treichel","startTime":113.29,"endTime":113.69,"body":"looking"},{"speaker":"Treichel","startTime":113.69,"endTime":113.99,"body":"forward"},{"speaker":"Treichel","startTime":113.99,"endTime":114.06,"body":"to"},{"speaker":"Treichel","startTime":114.06,"endTime":114.29,"body":"this"},{"speaker":"Treichel","startTime":114.29,"endTime":114.51,"body":"one."},{"speaker":"Treichel","startTime":114.51,"endTime":114.67,"body":"We've"},{"speaker":"Treichel","startTime":114.67,"endTime":114.89,"body":"got"},{"speaker":"Treichel","startTime":114.89,"endTime":115.08,"body":"some"},{"speaker":"Treichel","startTime":115.08,"endTime":115.54,"body":"clients"},{"speaker":"Treichel","startTime":115.54,"endTime":115.87,"body":"we've"},{"speaker":"Treichel","startTime":115.91,"endTime":116.56,"body":"assisted"},{"speaker":"Treichel","startTime":116.59,"endTime":116.82000000000001,"body":"on"},{"speaker":"Treichel","startTime":116.83,"endTime":117.22,"body":"interest"},{"speaker":"Treichel","startTime":117.22,"endTime":117.41,"body":"rate"},{"speaker":"Treichel","startTime":117.41,"endTime":117.7,"body":"risk"},{"speaker":"Treichel","startTime":117.7,"endTime":117.89,"body":"over"},{"speaker":"Treichel","startTime":117.89,"endTime":117.98,"body":"the"},{"speaker":"Treichel","startTime":117.98,"endTime":118.29,"body":"past"},{"speaker":"Treichel","startTime":118.29,"endTime":118.48,"body":"few"},{"speaker":"Treichel","startTime":118.48,"endTime":118.77,"body":"months"},{"speaker":"Treichel","startTime":118.77,"endTime":119.07000000000001,"body":"who"},{"speaker":"Treichel","startTime":119.29,"endTime":119.46000000000001,"body":"have"},{"speaker":"Treichel","startTime":119.46000000000001,"endTime":119.63,"body":"been"},{"speaker":"Treichel","startTime":119.63,"endTime":119.96,"body":"waiting"},{"speaker":"Treichel","startTime":119.96,"endTime":120.16,"body":"with"},{"speaker":"Treichel","startTime":120.22,"endTime":120.48,"body":"a"},{"speaker":"Treichel","startTime":120.49,"endTime":120.84,"body":"abated"},{"speaker":"Treichel","startTime":120.86,"endTime":121.28,"body":"breath"},{"speaker":"Treichel","startTime":121.3,"endTime":121.47,"body":"for"},{"speaker":"Treichel","startTime":121.47,"endTime":121.75,"body":"the"},{"speaker":"Treichel","startTime":121.769999,"endTime":122.029999,"body":"letter"},{"speaker":"Treichel","startTime":122.03,"endTime":122.1399995,"body":"to"},{"speaker":"Treichel","startTime":122.1399995,"endTime":122.409999,"body":"credit"},{"speaker":"Treichel","startTime":122.42,"endTime":122.95,"body":"unions."},{"speaker":"Treichel","startTime":123.349999,"endTime":123.53999900000001,"body":"And"},{"speaker":"Treichel","startTime":123.54,"endTime":123.65,"body":"then"},{"speaker":"Treichel","startTime":123.65,"endTime":124.10000000000001,"body":"also"},{"speaker":"Treichel","startTime":124.11,"endTime":124.44,"body":"for"},{"speaker":"Treichel","startTime":124.59,"endTime":125.15,"body":"potentially"},{"speaker":"Treichel","startTime":125.15,"endTime":125.34999950000001,"body":"some"},{"speaker":"Treichel","startTime":125.34999950000001,"endTime":126.369999,"body":"clarifications"},{"speaker":"Treichel","startTime":126.38000000000001,"endTime":126.74,"body":"with"},{"speaker":"Treichel","startTime":126.8,"endTime":126.9799995,"body":"the"},{"speaker":"Treichel","startTime":126.9799995,"endTime":127.629999,"body":"webinar"},{"speaker":"Treichel","startTime":128.01999999999998,"endTime":128.43,"body":"today."},{"speaker":"Treichel","startTime":128.43,"endTime":128.5599995,"body":"And"},{"speaker":"Treichel","startTime":128.5599995,"endTime":128.899999,"body":"it's,"},{"speaker":"Treichel","startTime":128.940001,"endTime":129.1800005,"body":"it's"},{"speaker":"Treichel","startTime":129.1800005,"endTime":129.32999999999998,"body":"been"},{"speaker":"Treichel","startTime":129.32999999999998,"endTime":129.45999999999998,"body":"a"},{"speaker":"Treichel","startTime":129.619999,"endTime":129.869999,"body":"few"},{"speaker":"Treichel","startTime":129.869999,"endTime":130.639999,"body":"episodes"},{"speaker":"Treichel","startTime":130.65,"endTime":131.04,"body":"since"},{"speaker":"Treichel","startTime":131.07,"endTime":131.25,"body":"you"},{"speaker":"Treichel","startTime":131.25,"endTime":131.34,"body":"and"},{"speaker":"Treichel","startTime":131.34,"endTime":131.54,"body":"I"},{"speaker":"Treichel","startTime":131.54999999999998,"endTime":132.15,"body":"chatted."},{"speaker":"Treichel","startTime":132.21,"endTime":132.39,"body":"We"},{"speaker":"Treichel","startTime":132.39,"endTime":132.75,"body":"actually"},{"speaker":"Treichel","startTime":132.75,"endTime":133,"body":"did"},{"speaker":"Treichel","startTime":133,"endTime":133.13,"body":"do"},{"speaker":"Treichel","startTime":133.13,"endTime":133.28,"body":"an,"},{"speaker":"Treichel","startTime":133.59,"endTime":134.21,"body":"ironically,"},{"speaker":"Treichel","startTime":134.21,"endTime":134.34,"body":"we"},{"speaker":"Treichel","startTime":134.34,"endTime":134.54,"body":"did"},{"speaker":"Treichel","startTime":134.54,"endTime":134.66,"body":"do"},{"speaker":"Treichel","startTime":134.66,"endTime":134.72,"body":"a"},{"speaker":"Treichel","startTime":134.72,"endTime":134.95,"body":"net"},{"speaker":"Treichel","startTime":134.95,"endTime":135.48999999999998,"body":"economic"},{"speaker":"Treichel","startTime":135.49,"endTime":136.07,"body":"value"},{"speaker":"Treichel","startTime":136.10999999999999,"endTime":136.39,"body":"pick."},{"speaker":"Treichel","startTime":137.4,"endTime":138.17,"body":"Podcast"},{"speaker":"Treichel","startTime":138.24999999999997,"endTime":138.62999999999997,"body":"early"},{"speaker":"Treichel","startTime":138.62999999999997,"endTime":138.90999999999997,"body":"on"},{"speaker":"Treichel","startTime":138.92,"endTime":139.26999999999998,"body":"in"},{"speaker":"Treichel","startTime":139.27999999999997,"endTime":139.42,"body":"the"},{"speaker":"Treichel","startTime":139.42,"endTime":139.80999999999997,"body":"history"},{"speaker":"Treichel","startTime":139.80999999999997,"endTime":140.04999999999998,"body":"here"},{"speaker":"Treichel","startTime":140.04999999999998,"endTime":140.21999999999997,"body":"of"},{"speaker":"Treichel","startTime":140.23999999999998,"endTime":140.43999999999997,"body":"with"},{"speaker":"Treichel","startTime":140.45,"endTime":140.76,"body":"flying"},{"speaker":"Treichel","startTime":140.76,"endTime":141.23,"body":"colors."},{"speaker":"Treichel","startTime":141.45999999999998,"endTime":141.60999999999999,"body":"I"},{"speaker":"Treichel","startTime":141.60999999999999,"endTime":141.77999999999997,"body":"did"},{"speaker":"Treichel","startTime":141.77999999999997,"endTime":141.83999999999997,"body":"a"},{"speaker":"Treichel","startTime":141.83999999999997,"endTime":142.26999999999998,"body":"follow"},{"speaker":"Treichel","startTime":142.26999999999998,"endTime":142.42,"body":"up"},{"speaker":"Treichel","startTime":142.42,"endTime":142.57999999999998,"body":"on"},{"speaker":"Treichel","startTime":142.57999999999998,"endTime":142.84999999999997,"body":"that"},{"speaker":"Treichel","startTime":142.85999999999999,"endTime":143.09999999999997,"body":"when"},{"speaker":"Treichel","startTime":143.09999999999997,"endTime":143.32999999999998,"body":"rates"},{"speaker":"Treichel","startTime":143.33999999999997,"endTime":143.7,"body":"started"},{"speaker":"Treichel","startTime":143.7,"endTime":143.96999999999997,"body":"going"},{"speaker":"Treichel","startTime":143.96999999999997,"endTime":144.20999999999998,"body":"up."},{"speaker":"Treichel","startTime":144.40999999999997,"endTime":144.59999999999997,"body":"And"},{"speaker":"Treichel","startTime":144.59999999999997,"endTime":144.71999999999997,"body":"so"},{"speaker":"Treichel","startTime":144.71999999999997,"endTime":144.93999999999997,"body":"this"},{"speaker":"Treichel","startTime":144.93999999999997,"endTime":145.04999999999998,"body":"will"},{"speaker":"Treichel","startTime":145.04999999999998,"endTime":145.40999999999997,"body":"actually"},{"speaker":"Treichel","startTime":145.40999999999997,"endTime":145.76999999999998,"body":"be"},{"speaker":"Treichel","startTime":146.55999999999997,"endTime":147.1099995,"body":"yours"},{"speaker":"Treichel","startTime":147.1099995,"endTime":147.24999899999997,"body":"and"},{"speaker":"Treichel","startTime":147.24999999999997,"endTime":147.65999999999997,"body":"my"},{"speaker":"Treichel","startTime":147.67999999999998,"endTime":148.07999999999998,"body":"second"},{"speaker":"Treichel","startTime":148.09999999999997,"endTime":148.71999999999997,"body":"discussion"},{"speaker":"Treichel","startTime":148.71999999999997,"endTime":148.84999999999997,"body":"on"},{"speaker":"Treichel","startTime":148.84999999999997,"endTime":149.08999999999997,"body":"this,"},{"speaker":"Treichel","startTime":149.11999999999998,"endTime":149.21999999999997,"body":"but"},{"speaker":"Treichel","startTime":149.21999999999997,"endTime":149.31999949999997,"body":"the"},{"speaker":"Treichel","startTime":149.31999949999997,"endTime":149.579999,"body":"third"},{"speaker":"Treichel","startTime":149.57999999999998,"endTime":149.92,"body":"actual"},{"speaker":"Treichel","startTime":149.92,"endTime":150.42999999999998,"body":"podcast"},{"speaker":"Treichel","startTime":150.43999899999997,"endTime":150.579999,"body":"I've"},{"speaker":"Treichel","startTime":150.57999999999998,"endTime":150.73999999999998,"body":"had"},{"speaker":"Treichel","startTime":150.73999999999998,"endTime":150.8199995,"body":"on"},{"speaker":"Treichel","startTime":150.8199995,"endTime":150.979999,"body":"this"},{"speaker":"Treichel","startTime":150.98999999999998,"endTime":151.51,"body":"particular"},{"speaker":"Treichel","startTime":151.51,"endTime":151.98999999999998,"body":"topic,"},{"speaker":"Treichel","startTime":152.26999899999998,"endTime":152.43999899999997,"body":"but"},{"speaker":"Treichel","startTime":152.43999899999997,"endTime":152.54999899999999,"body":"if"},{"speaker":"Treichel","startTime":152.54999999999998,"endTime":152.7,"body":"you"},{"speaker":"Treichel","startTime":152.7,"endTime":152.98,"body":"could,"},{"speaker":"Treichel","startTime":152.99999999999997,"endTime":153.14999949999998,"body":"for"},{"speaker":"Treichel","startTime":153.14999949999998,"endTime":153.419999,"body":"people"},{"speaker":"Treichel","startTime":153.42,"endTime":153.52999949999997,"body":"who"},{"speaker":"Treichel","startTime":153.52999949999997,"endTime":153.95999899999998,"body":"haven't"},{"speaker":"Treichel","startTime":153.98,"endTime":154.39,"body":"listened"},{"speaker":"Treichel","startTime":154.39,"endTime":154.51,"body":"to."},{"speaker":"Treichel","startTime":154.875,"endTime":155.11499999999998,"body":"Some"},{"speaker":"Treichel","startTime":155.11499999999998,"endTime":155.155,"body":"of"},{"speaker":"Treichel","startTime":155.165,"endTime":155.285,"body":"the"},{"speaker":"Treichel","startTime":155.285,"endTime":155.98499999999999,"body":"podcasts"},{"speaker":"Treichel","startTime":156.005,"endTime":156.23499999999999,"body":"that"},{"speaker":"Treichel","startTime":156.23499999999999,"endTime":156.385,"body":"you"},{"speaker":"Treichel","startTime":156.385,"endTime":156.495,"body":"have"},{"speaker":"Treichel","startTime":156.495,"endTime":156.635,"body":"been"},{"speaker":"Treichel","startTime":156.635,"endTime":156.765,"body":"on,"},{"speaker":"Treichel","startTime":156.765,"endTime":156.875,"body":"if"},{"speaker":"Treichel","startTime":156.875,"endTime":157.005,"body":"you"},{"speaker":"Treichel","startTime":157.005,"endTime":157.135,"body":"could"},{"speaker":"Treichel","startTime":157.135,"endTime":157.275,"body":"give"},{"speaker":"Treichel","startTime":157.275,"endTime":157.325,"body":"a"},{"speaker":"Treichel","startTime":157.325,"endTime":157.515,"body":"little"},{"speaker":"Treichel","startTime":157.515,"endTime":157.625,"body":"bit"},{"speaker":"Treichel","startTime":157.625,"endTime":157.745,"body":"of"},{"speaker":"Treichel","startTime":157.745,"endTime":157.855,"body":"your"},{"speaker":"Treichel","startTime":157.86499999999998,"endTime":158.545,"body":"background"},{"speaker":"Treichel","startTime":159.155,"endTime":159.36499999999998,"body":"at"},{"speaker":"Treichel","startTime":159.36499999999998,"endTime":159.805,"body":"NC,"},{"speaker":"Treichel","startTime":159.83499999999998,"endTime":160.025,"body":"and"},{"speaker":"Treichel","startTime":160.025,"endTime":160.185,"body":"then"},{"speaker":"Treichel","startTime":160.185,"endTime":160.325,"body":"they'll"},{"speaker":"Treichel","startTime":160.325,"endTime":160.765,"body":"quickly"},{"speaker":"Treichel","startTime":160.765,"endTime":161.39499999999998,"body":"realize"},{"speaker":"Treichel","startTime":161.48499999999999,"endTime":161.785,"body":"why"},{"speaker":"Treichel","startTime":161.785,"endTime":161.905,"body":"it"},{"speaker":"Treichel","startTime":161.905,"endTime":162.135,"body":"makes"},{"speaker":"Treichel","startTime":162.135,"endTime":162.385,"body":"sense"},{"speaker":"Treichel","startTime":162.385,"endTime":162.525,"body":"to"},{"speaker":"Treichel","startTime":162.575,"endTime":162.845,"body":"listen"},{"speaker":"Treichel","startTime":162.845,"endTime":162.915,"body":"to"},{"speaker":"Treichel","startTime":162.915,"endTime":163.095,"body":"this"},{"speaker":"Treichel","startTime":163.095,"endTime":163.515,"body":"episode"},{"speaker":"Treichel","startTime":163.515,"endTime":163.565,"body":"and"},{"speaker":"Treichel","startTime":163.565,"endTime":163.73499999999999,"body":"hear"},{"speaker":"Treichel","startTime":163.73499999999999,"endTime":163.86499999999998,"body":"what"},{"speaker":"Treichel","startTime":163.86499999999998,"endTime":163.98499999999999,"body":"you"},{"speaker":"Treichel","startTime":163.98499999999999,"endTime":164.155,"body":"have"},{"speaker":"Treichel","startTime":164.155,"endTime":164.265,"body":"to"},{"speaker":"Treichel","startTime":164.265,"endTime":164.625,"body":"say"},{"speaker":"Treichel","startTime":164.695,"endTime":165.225,"body":"relative"},{"speaker":"Treichel","startTime":165.225,"endTime":165.495,"body":"to"},{"speaker":"Treichel","startTime":165.605,"endTime":165.7949995,"body":"this"},{"speaker":"Treichel","startTime":165.7949995,"endTime":166.124999,"body":"topic."},{"speaker":"Miller","startTime":166.17499999999998,"endTime":166.445,"body":"Like"},{"speaker":"Miller","startTime":166.445,"endTime":166.625,"body":"you,"},{"speaker":"Miller","startTime":166.635,"endTime":166.92499999999998,"body":"Mark,"},{"speaker":"Miller","startTime":166.954999,"endTime":167.154999,"body":"I'm"},{"speaker":"Miller","startTime":167.155,"endTime":167.285,"body":"a"},{"speaker":"Miller","startTime":167.285,"endTime":167.815,"body":"retired"},{"speaker":"Miller","startTime":167.825,"endTime":168.3749995,"body":"NCUA"},{"speaker":"Miller","startTime":168.3749995,"endTime":168.99499899999998,"body":"employee."},{"speaker":"Miller","startTime":168.99499899999998,"endTime":169.074999,"body":"I"},{"speaker":"Miller","startTime":169.075,"endTime":169.255,"body":"was"},{"speaker":"Miller","startTime":169.265,"endTime":169.405,"body":"with"},{"speaker":"Miller","startTime":169.445,"endTime":170.015,"body":"NCUA"},{"speaker":"Miller","startTime":170.015,"endTime":170.2549995,"body":"from"},{"speaker":"Miller","startTime":170.2549995,"endTime":171.234999,"body":"1987"},{"speaker":"Miller","startTime":171.24499899999998,"endTime":171.414999,"body":"up"},{"speaker":"Miller","startTime":171.414999,"endTime":171.564999,"body":"to"},{"speaker":"Miller","startTime":171.564999,"endTime":171.574999,"body":"2021."},{"speaker":"Miller","startTime":173.09,"endTime":173.5,"body":"So"},{"speaker":"Miller","startTime":173.65,"endTime":174.16,"body":"34"},{"speaker":"Miller","startTime":174.16,"endTime":174.57,"body":"years"},{"speaker":"Miller","startTime":174.62,"endTime":174.92000000000002,"body":"call"},{"speaker":"Miller","startTime":174.92000000000002,"endTime":175.1,"body":"it"},{"speaker":"Miller","startTime":175.14000000000001,"endTime":175.54,"body":"during"},{"speaker":"Miller","startTime":175.54,"endTime":175.72,"body":"that"},{"speaker":"Miller","startTime":175.72,"endTime":176.04,"body":"time"},{"speaker":"Miller","startTime":176.04,"endTime":176.1,"body":"I"},{"speaker":"Miller","startTime":176.1,"endTime":176.33,"body":"spent"},{"speaker":"Miller","startTime":176.33,"endTime":176.56,"body":"most"},{"speaker":"Miller","startTime":176.56,"endTime":176.58,"body":"of"},{"speaker":"Miller","startTime":176.59,"endTime":176.76,"body":"my"},{"speaker":"Miller","startTime":176.76,"endTime":177.04,"body":"time"},{"speaker":"Miller","startTime":177.04,"endTime":177.21,"body":"as"},{"speaker":"Miller","startTime":177.21,"endTime":177.27,"body":"a"},{"speaker":"Miller","startTime":177.27,"endTime":177.87,"body":"problem"},{"speaker":"Miller","startTime":177.87,"endTime":178.16,"body":"case"},{"speaker":"Miller","startTime":178.16,"endTime":178.8,"body":"officer"},{"speaker":"Miller","startTime":178.83,"endTime":179.21,"body":"spent"},{"speaker":"Miller","startTime":179.37,"endTime":179.59,"body":"10"},{"speaker":"Miller","startTime":179.6,"endTime":180.18,"body":"years"},{"speaker":"Miller","startTime":180.21,"endTime":180.54,"body":"as"},{"speaker":"Miller","startTime":180.54,"endTime":180.6,"body":"a"},{"speaker":"Miller","startTime":180.6,"endTime":181,"body":"capital"},{"speaker":"Miller","startTime":181,"endTime":181.32,"body":"market"},{"speaker":"Miller","startTime":181.32,"endTime":181.91,"body":"specialist"},{"speaker":"Miller","startTime":181.91,"endTime":182.13,"body":"from"},{"speaker":"Miller","startTime":182.1301,"endTime":182.935,"body":"2000"},{"speaker":"Miller","startTime":182.935,"endTime":183.7399,"body":"to"},{"speaker":"Miller","startTime":183.82000000000002,"endTime":184.17,"body":"2010"},{"speaker":"Miller","startTime":184.17,"endTime":184.26000000000002,"body":"and"},{"speaker":"Miller","startTime":184.26000000000002,"endTime":184.4,"body":"then"},{"speaker":"Miller","startTime":184.4,"endTime":184.60999999999999,"body":"from"},{"speaker":"Miller","startTime":184.60999999999999,"endTime":185.20000000000002,"body":"2010"},{"speaker":"Miller","startTime":185.21,"endTime":185.38000000000002,"body":"to"},{"speaker":"Miller","startTime":185.41,"endTime":186.28,"body":"2021"},{"speaker":"Miller","startTime":186.28,"endTime":186.35999999999999,"body":"when"},{"speaker":"Miller","startTime":186.35999999999999,"endTime":186.44000000000003,"body":"I"},{"speaker":"Miller","startTime":186.44000000000003,"endTime":186.98,"body":"retired,"},{"speaker":"Miller","startTime":187.36999999999998,"endTime":187.45000000000002,"body":"I"},{"speaker":"Miller","startTime":187.45000000000002,"endTime":187.60999999999999,"body":"was"},{"speaker":"Miller","startTime":187.60999999999999,"endTime":187.67999949999998,"body":"a"},{"speaker":"Miller","startTime":187.67999949999998,"endTime":188.05999899999998,"body":"director"},{"speaker":"Miller","startTime":188.05999899999998,"endTime":188.159999,"body":"of"},{"speaker":"Miller","startTime":188.16,"endTime":188.5999995,"body":"special"},{"speaker":"Miller","startTime":188.5999995,"endTime":189.019999,"body":"actions"},{"speaker":"Miller","startTime":189.019999,"endTime":189.109999,"body":"in"},{"speaker":"Miller","startTime":189.10999999999999,"endTime":189.19999950000002,"body":"the"},{"speaker":"Miller","startTime":189.19999950000002,"endTime":189.589999,"body":"Western"},{"speaker":"Miller","startTime":189.59,"endTime":190.02,"body":"region"},{"speaker":"Miller","startTime":190.02,"endTime":190.92999999999998,"body":"supervising"},{"speaker":"Miller","startTime":190.94000000000003,"endTime":191.36999949999998,"body":"capital"},{"speaker":"Miller","startTime":191.36999949999998,"endTime":191.69999900000002,"body":"market"},{"speaker":"Miller","startTime":191.69999900000002,"endTime":192.399999,"body":"specialist"},{"speaker":"Miller","startTime":192.79999999999998,"endTime":193.47,"body":"and"},{"speaker":"Miller","startTime":193.54,"endTime":193.73999999999998,"body":"as"},{"speaker":"Miller","startTime":193.73999999999998,"endTime":193.98999999999998,"body":"well"},{"speaker":"Miller","startTime":193.98999999999998,"endTime":194.15,"body":"as"},{"speaker":"Miller","startTime":194.15,"endTime":194.57000000000002,"body":"problem"},{"speaker":"Miller","startTime":194.57000000000002,"endTime":194.86999999999998,"body":"case"},{"speaker":"Miller","startTime":194.86999999999998,"endTime":195.44000000000003,"body":"officers"},{"speaker":"Miller","startTime":195.44000000000003,"endTime":195.57000000000002,"body":"and"},{"speaker":"Miller","startTime":195.57000000000002,"endTime":195.91,"body":"dealing"},{"speaker":"Miller","startTime":195.91,"endTime":196.04,"body":"with"},{"speaker":"Miller","startTime":196.04,"endTime":196.42999999999998,"body":"troubled"},{"speaker":"Miller","startTime":196.42999999999998,"endTime":196.73999999999998,"body":"credit"},{"speaker":"Miller","startTime":196.73999999999998,"endTime":197.17999999999998,"body":"unions."},{"speaker":"Miller","startTime":197.59,"endTime":197.79,"body":"So"},{"speaker":"Miller","startTime":197.79,"endTime":197.97,"body":"in"},{"speaker":"Miller","startTime":197.97,"endTime":198.13000000000002,"body":"my"},{"speaker":"Miller","startTime":198.14000000000001,"endTime":198.4,"body":"10"},{"speaker":"Miller","startTime":198.41,"endTime":198.91,"body":"years"},{"speaker":"Miller","startTime":198.94000000000003,"endTime":199.67999999999998,"body":"as"},{"speaker":"Miller","startTime":200.07999999999996,"endTime":200.14999999999995,"body":"A"},{"speaker":"Miller","startTime":200.14999999999995,"endTime":200.57999999999996,"body":"capital"},{"speaker":"Miller","startTime":200.57999999999996,"endTime":200.91,"body":"market"},{"speaker":"Miller","startTime":200.91,"endTime":201.56999999999996,"body":"specialist"},{"speaker":"Miller","startTime":201.57999999999996,"endTime":201.84,"body":"did"},{"speaker":"Miller","startTime":201.84,"endTime":201.91,"body":"a"},{"speaker":"Miller","startTime":201.91,"endTime":202.25999999999996,"body":"lot"},{"speaker":"Miller","startTime":202.25999999999996,"endTime":202.38999999999996,"body":"of"},{"speaker":"Miller","startTime":202.38999999999996,"endTime":202.84,"body":"training"},{"speaker":"Miller","startTime":202.84,"endTime":203.00999999999996,"body":"for"},{"speaker":"Miller","startTime":203.00999999999996,"endTime":203.48,"body":"NCOA"},{"speaker":"Miller","startTime":203.48,"endTime":204.35999999999999,"body":"examiners"},{"speaker":"Miller","startTime":204.35999999999999,"endTime":204.67,"body":"on"},{"speaker":"Miller","startTime":205.04999999999998,"endTime":205.14999999999995,"body":"the"},{"speaker":"Miller","startTime":205.69999999999996,"endTime":206.17,"body":"review"},{"speaker":"Miller","startTime":206.25999999999996,"endTime":206.34,"body":"of"},{"speaker":"Miller","startTime":206.34,"endTime":206.79,"body":"interest"},{"speaker":"Miller","startTime":206.79,"endTime":207.04,"body":"rate"},{"speaker":"Miller","startTime":207.04,"endTime":207.39999999999995,"body":"risk"},{"speaker":"Miller","startTime":207.39999999999995,"endTime":207.54999999999998,"body":"and"},{"speaker":"Miller","startTime":207.68999999999997,"endTime":208.25999999999996,"body":"liquidity"},{"speaker":"Miller","startTime":208.26999999999995,"endTime":208.47,"body":"and"},{"speaker":"Miller","startTime":208.81999999999996,"endTime":209.0399995,"body":"had"},{"speaker":"Miller","startTime":209.0399995,"endTime":209.099999,"body":"a"},{"speaker":"Miller","startTime":209.1,"endTime":209.44999949999996,"body":"hand"},{"speaker":"Miller","startTime":209.44999949999996,"endTime":209.57999899999996,"body":"in"},{"speaker":"Miller","startTime":209.57999899999996,"endTime":210.23999899999998,"body":"developing"},{"speaker":"Miller","startTime":210.23999999999998,"endTime":210.43999999999997,"body":"some"},{"speaker":"Miller","startTime":210.43999999999997,"endTime":210.45999999999995,"body":"of"},{"speaker":"Miller","startTime":210.62999999999997,"endTime":210.85999999999999,"body":"these"},{"speaker":"Miller","startTime":210.87999999999997,"endTime":211.29999999999998,"body":"tools"},{"speaker":"Miller","startTime":211.29999999999998,"endTime":211.48999999999998,"body":"that"},{"speaker":"Miller","startTime":211.51999999999995,"endTime":211.67999999999998,"body":"they"},{"speaker":"Miller","startTime":211.67999999999998,"endTime":212.23,"body":"use"},{"speaker":"Miller","startTime":212.23,"endTime":212.66,"body":"today."},{"speaker":"Miller","startTime":212.67,"endTime":213.23,"body":"And"},{"speaker":"Miller","startTime":213.24999999999997,"endTime":213.48,"body":"if"},{"speaker":"Miller","startTime":213.48,"endTime":213.54999999999998,"body":"I"},{"speaker":"Miller","startTime":213.54999999999998,"endTime":213.92,"body":"didn't,"},{"speaker":"Miller","startTime":214.22,"endTime":214.6,"body":"staff"},{"speaker":"Miller","startTime":214.62999999999997,"endTime":214.7799995,"body":"that"},{"speaker":"Miller","startTime":214.7799995,"endTime":215.02999899999995,"body":"worked"},{"speaker":"Miller","startTime":215.04999999999998,"endTime":215.26999999999995,"body":"for"},{"speaker":"Miller","startTime":215.26999999999995,"endTime":215.48999949999998,"body":"me"},{"speaker":"Miller","startTime":215.48999949999998,"endTime":215.919999,"body":"certainly"},{"speaker":"Miller","startTime":215.92,"endTime":216.22,"body":"did"},{"speaker":"Miller","startTime":216.24999999999997,"endTime":216.58999949999995,"body":"very"},{"speaker":"Miller","startTime":216.58999949999995,"endTime":216.94999899999996,"body":"close"},{"speaker":"Miller","startTime":216.94999899999996,"endTime":217.07999899999996,"body":"to"},{"speaker":"Miller","startTime":217.07999999999996,"endTime":217.38999999999996,"body":"all"},{"speaker":"Miller","startTime":217.38999999999996,"endTime":217.51999949999995,"body":"of"},{"speaker":"Miller","startTime":217.51999949999995,"endTime":217.75999899999997,"body":"these"},{"speaker":"Miller","startTime":217.76999899999996,"endTime":218.349999,"body":"topics,"},{"speaker":"Miller","startTime":218.41,"endTime":218.91,"body":"especially"},{"speaker":"Miller","startTime":218.91,"endTime":219.11999949999998,"body":"over"},{"speaker":"Miller","startTime":219.11999949999998,"endTime":219.219999,"body":"the"},{"speaker":"Miller","startTime":219.22,"endTime":219.55999999999997,"body":"last"},{"speaker":"Miller","startTime":219.56009999999995,"endTime":219.77989999999997,"body":"10"},{"speaker":"Miller","startTime":219.78,"endTime":220.14999999999995,"body":"years."},{"speaker":"Treichel","startTime":221.31,"endTime":221.58999999999997,"body":"Yeah,"},{"speaker":"Treichel","startTime":221.60999999999999,"endTime":221.81,"body":"yeah,"},{"speaker":"Treichel","startTime":221.81,"endTime":222.14999999999998,"body":"you,"},{"speaker":"Treichel","startTime":222.32,"endTime":222.51999999999998,"body":"as"},{"speaker":"Treichel","startTime":222.51999999999998,"endTime":222.64,"body":"you"},{"speaker":"Treichel","startTime":222.64999999999998,"endTime":222.94,"body":"said,"},{"speaker":"Treichel","startTime":222.98,"endTime":223.2,"body":"10"},{"speaker":"Treichel","startTime":223.2,"endTime":223.39,"body":"years"},{"speaker":"Treichel","startTime":223.39,"endTime":223.5,"body":"as"},{"speaker":"Treichel","startTime":223.5,"endTime":223.56,"body":"a"},{"speaker":"Treichel","startTime":223.56,"endTime":223.92,"body":"capital"},{"speaker":"Treichel","startTime":223.92,"endTime":224.28,"body":"market"},{"speaker":"Treichel","startTime":224.28009999999998,"endTime":224.94989999999999,"body":"specialist,"},{"speaker":"Treichel","startTime":224.95,"endTime":225.16,"body":"and"},{"speaker":"Treichel","startTime":225.16,"endTime":225.45999999999998,"body":"then"},{"speaker":"Treichel","startTime":225.48999999999998,"endTime":225.92999999999998,"body":"another"},{"speaker":"Treichel","startTime":226.1,"endTime":226.35999999999999,"body":"10"},{"speaker":"Treichel","startTime":226.36999999999998,"endTime":226.69,"body":"plus"},{"speaker":"Treichel","startTime":226.69,"endTime":227.20999999999998,"body":"years"},{"speaker":"Treichel","startTime":227.23,"endTime":227.91,"body":"supervising"},{"speaker":"Treichel","startTime":227.91,"endTime":228.10999999999999,"body":"those"},{"speaker":"Treichel","startTime":228.10999999999999,"endTime":228.45,"body":"capital"},{"speaker":"Treichel","startTime":228.45,"endTime":228.72,"body":"market"},{"speaker":"Treichel","startTime":228.72,"endTime":229.16,"body":"specialists"},{"speaker":"Treichel","startTime":229.16,"endTime":229.29,"body":"and"},{"speaker":"Treichel","startTime":229.31,"endTime":229.66,"body":"having"},{"speaker":"Treichel","startTime":229.66,"endTime":229.94,"body":"been"},{"speaker":"Treichel","startTime":229.94,"endTime":230.11999999999998,"body":"in"},{"speaker":"Treichel","startTime":230.11999999999998,"endTime":230.29999949999998,"body":"on"},{"speaker":"Treichel","startTime":230.29999949999998,"endTime":230.749999,"body":"meetings"},{"speaker":"Treichel","startTime":230.75,"endTime":230.85999999999999,"body":"where"},{"speaker":"Treichel","startTime":230.85999999999999,"endTime":231.57999999999998,"body":"NCUA"},{"speaker":"Treichel","startTime":231.58999899999998,"endTime":231.849999,"body":"set"},{"speaker":"Treichel","startTime":231.85,"endTime":232.01999999999998,"body":"some"},{"speaker":"Treichel","startTime":232.01999999999998,"endTime":232.1,"body":"of"},{"speaker":"Treichel","startTime":232.1,"endTime":232.28,"body":"these"},{"speaker":"Treichel","startTime":232.29999899999999,"endTime":232.86999899999998,"body":"policies"},{"speaker":"Treichel","startTime":232.86999999999998,"endTime":233.07999999999998,"body":"and"},{"speaker":"Treichel","startTime":233.07999999999998,"endTime":233.25,"body":"or"},{"speaker":"Treichel","startTime":233.25,"endTime":233.76,"body":"provided"},{"speaker":"Treichel","startTime":233.79999899999999,"endTime":234.02999899999998,"body":"some"},{"speaker":"Treichel","startTime":234.03,"endTime":234.48,"body":"input"},{"speaker":"Treichel","startTime":234.56,"endTime":235.01,"body":"on"},{"speaker":"Treichel","startTime":235.01999999999998,"endTime":235.2499995,"body":"where"},{"speaker":"Treichel","startTime":235.2499995,"endTime":236.139999,"body":"NCUA"},{"speaker":"Treichel","startTime":236.19,"endTime":236.45999949999998,"body":"was"},{"speaker":"Treichel","startTime":236.45999949999998,"endTime":236.659999,"body":"at"},{"speaker":"Treichel","startTime":236.66,"endTime":236.79999949999998,"body":"in"},{"speaker":"Treichel","startTime":236.79999949999998,"endTime":236.879999,"body":"the"},{"speaker":"Treichel","startTime":236.879999,"endTime":237.36999899999998,"body":"past,"},{"speaker":"Treichel","startTime":237.37,"endTime":237.51999999999998,"body":"and"},{"speaker":"Treichel","startTime":237.55999899999998,"endTime":237.83999899999998,"body":"that's"},{"speaker":"Treichel","startTime":237.89000099999998,"endTime":238.49000099999998,"body":"actually"},{"speaker":"Treichel","startTime":238.499999,"endTime":238.73999899999998,"body":"might"},{"speaker":"Treichel","startTime":238.73999899999998,"endTime":238.999999,"body":"be"},{"speaker":"Treichel","startTime":239.009999,"endTime":239.099999,"body":"a"},{"speaker":"Treichel","startTime":239.1,"endTime":239.27999999999997,"body":"good"},{"speaker":"Treichel","startTime":239.29,"endTime":239.95999999999998,"body":"transition"},{"speaker":"Treichel","startTime":239.95999999999998,"endTime":240.26,"body":"on"},{"speaker":"Treichel","startTime":240.30999899999998,"endTime":240.889999,"body":"providing,"},{"speaker":"Treichel","startTime":241.14999899999998,"endTime":241.29999899999999,"body":"we've"},{"speaker":"Treichel","startTime":241.319999,"endTime":241.599999,"body":"given"},{"speaker":"Treichel","startTime":241.599999,"endTime":241.789999,"body":"your"},{"speaker":"Treichel","startTime":241.79999899999999,"endTime":242.229999,"body":"background"},{"speaker":"Treichel","startTime":242.229999,"endTime":242.26999899999998,"body":"a"},{"speaker":"Treichel","startTime":242.26999899999998,"endTime":242.479999,"body":"little"},{"speaker":"Treichel","startTime":242.479999,"endTime":242.759999,"body":"bit,"},{"speaker":"Treichel","startTime":242.76999899999998,"endTime":243.259999,"body":"maybe"},{"speaker":"Treichel","startTime":243.259999,"endTime":243.349999,"body":"it'd"},{"speaker":"Treichel","startTime":243.389999,"endTime":243.51999899999998,"body":"be"},{"speaker":"Treichel","startTime":243.51999899999998,"endTime":243.729999,"body":"good"},{"speaker":"Treichel","startTime":243.729999,"endTime":243.89999899999998,"body":"if"},{"speaker":"Treichel","startTime":243.89999899999998,"endTime":244.009999,"body":"we"},{"speaker":"Treichel","startTime":244.009999,"endTime":244.11999899999998,"body":"kind"},{"speaker":"Treichel","startTime":244.25,"endTime":244.29,"body":"of"},{"speaker":"Treichel","startTime":244.29,"endTime":244.60999999999999,"body":"walk"},{"speaker":"Treichel","startTime":244.63,"endTime":244.89,"body":"through"},{"speaker":"Treichel","startTime":244.89,"endTime":245.10999999999999,"body":"for"},{"speaker":"Treichel","startTime":245.12,"endTime":245.32,"body":"the"},{"speaker":"Treichel","startTime":245.32,"endTime":245.77999999999997,"body":"audience"},{"speaker":"Treichel","startTime":245.77999999999997,"endTime":245.82999999999998,"body":"a"},{"speaker":"Treichel","startTime":245.82999999999998,"endTime":246.02999999999997,"body":"little"},{"speaker":"Treichel","startTime":246.02999999999997,"endTime":246.17,"body":"bit"},{"speaker":"Treichel","startTime":246.17,"endTime":246.26999999999998,"body":"of"},{"speaker":"Treichel","startTime":246.26999999999998,"endTime":246.67,"body":"history"},{"speaker":"Treichel","startTime":246.67,"endTime":246.75,"body":"and"},{"speaker":"Treichel","startTime":246.76,"endTime":247.52999999999997,"body":"background"},{"speaker":"Treichel","startTime":247.97,"endTime":248.16,"body":"on"},{"speaker":"Treichel","startTime":248.16,"endTime":248.37,"body":"this"},{"speaker":"Treichel","startTime":248.37,"endTime":248.65,"body":"whole"},{"speaker":"Treichel","startTime":248.65,"endTime":249.38,"body":"arena."},{"speaker":"Treichel","startTime":249.38,"endTime":249.43,"body":"Yeah."},{"speaker":"Treichel","startTime":249.6,"endTime":249.98,"body":"with"},{"speaker":"Treichel","startTime":250.19,"endTime":250.7,"body":"where"},{"speaker":"Treichel","startTime":250.70999999999998,"endTime":251.29,"body":"NCUA"},{"speaker":"Treichel","startTime":251.29999999999998,"endTime":251.5,"body":"has"},{"speaker":"Treichel","startTime":251.51,"endTime":251.86999999999998,"body":"come"},{"speaker":"Treichel","startTime":251.92999999999998,"endTime":252.32,"body":"since"},{"speaker":"Treichel","startTime":252.32,"endTime":252.5,"body":"the"},{"speaker":"Treichel","startTime":252.5,"endTime":252.78,"body":"early"},{"speaker":"Treichel","startTime":252.78,"endTime":253.63,"body":"2000s"},{"speaker":"Treichel","startTime":253.95,"endTime":254.17999999999998,"body":"and"},{"speaker":"Treichel","startTime":254.17999999999998,"endTime":254.35,"body":"where"},{"speaker":"Treichel","startTime":254.35,"endTime":254.54999999999998,"body":"they're"},{"speaker":"Treichel","startTime":254.54999999999998,"endTime":254.91,"body":"at"},{"speaker":"Treichel","startTime":255.03,"endTime":255.36999999999998,"body":"coming"},{"speaker":"Treichel","startTime":255.36999999999998,"endTime":255.51999999999998,"body":"up"},{"speaker":"Treichel","startTime":255.51999999999998,"endTime":255.70999999999998,"body":"to"},{"speaker":"Treichel","startTime":255.73999999999998,"endTime":256.34,"body":"today's"},{"speaker":"Treichel","startTime":256.35,"endTime":256.92,"body":"webinar."},{"speaker":"Miller","startTime":256.99,"endTime":257.33,"body":"Sure,"},{"speaker":"Miller","startTime":257.33,"endTime":257.52,"body":"we"},{"speaker":"Miller","startTime":257.52,"endTime":257.71,"body":"can"},{"speaker":"Miller","startTime":257.71,"endTime":257.91,"body":"do"},{"speaker":"Miller","startTime":257.91,"endTime":258.27,"body":"that."},{"speaker":"Miller","startTime":258.339999,"endTime":258.659999,"body":"And"},{"speaker":"Miller","startTime":258.66,"endTime":258.78000000000003,"body":"we"},{"speaker":"Miller","startTime":258.78000000000003,"endTime":259.0899995,"body":"did"},{"speaker":"Miller","startTime":259.0899995,"endTime":259.139999,"body":"a"},{"speaker":"Miller","startTime":259.14,"endTime":259.44,"body":"lot"},{"speaker":"Miller","startTime":259.44,"endTime":259.56,"body":"of"},{"speaker":"Miller","startTime":259.56,"endTime":259.74,"body":"this"},{"speaker":"Miller","startTime":259.74,"endTime":260.48,"body":"background"},{"speaker":"Miller","startTime":260.48,"endTime":260.6,"body":"in"},{"speaker":"Miller","startTime":260.6,"endTime":260.75,"body":"our"},{"speaker":"Miller","startTime":260.759999,"endTime":261.829999,"body":"NEV"},{"speaker":"Miller","startTime":261.830099,"endTime":261.839899,"body":"podcast,"},{"speaker":"Miller","startTime":261.839999,"endTime":262.069999,"body":"too."},{"speaker":"Miller","startTime":262.08,"endTime":262.1,"body":"If"},{"speaker":"Miller","startTime":262.12,"endTime":262.4199995,"body":"people"},{"speaker":"Miller","startTime":262.4199995,"endTime":262.599999,"body":"want"},{"speaker":"Miller","startTime":262.6,"endTime":262.66,"body":"to"},{"speaker":"Miller","startTime":262.66,"endTime":262.82,"body":"go"},{"speaker":"Miller","startTime":262.82,"endTime":263.08,"body":"back"},{"speaker":"Miller","startTime":263.08,"endTime":263.2099995,"body":"and"},{"speaker":"Miller","startTime":263.2099995,"endTime":263.529999,"body":"listen"},{"speaker":"Miller","startTime":263.549999,"endTime":263.689999,"body":"to"},{"speaker":"Miller","startTime":263.69,"endTime":263.97,"body":"that"},{"speaker":"Miller","startTime":263.97,"endTime":264.31,"body":"one."},{"speaker":"Miller","startTime":264.37,"endTime":264.47,"body":"In"},{"speaker":"Miller","startTime":264.47,"endTime":264.5899995,"body":"the"},{"speaker":"Miller","startTime":264.5899995,"endTime":265.279999,"body":"early"},{"speaker":"Miller","startTime":265.33,"endTime":266.78000000000003,"body":"2000s,"},{"speaker":"Miller","startTime":266.83999900000003,"endTime":267.44999900000005,"body":"NCUA"},{"speaker":"Miller","startTime":267.46000000000004,"endTime":267.6699995,"body":"had"},{"speaker":"Miller","startTime":267.6699995,"endTime":267.82999900000004,"body":"this"},{"speaker":"Miller","startTime":267.83000000000004,"endTime":268.05,"body":"thing"},{"speaker":"Miller","startTime":268.05,"endTime":268.18,"body":"they"},{"speaker":"Miller","startTime":268.18,"endTime":268.42,"body":"called"},{"speaker":"Miller","startTime":268.42,"endTime":268.50000000000006,"body":"the"},{"speaker":"Miller","startTime":268.50000000000006,"endTime":268.71000000000004,"body":"17"},{"speaker":"Miller","startTime":268.76000000000005,"endTime":269.44000000000005,"body":"4"},{"speaker":"Miller","startTime":269.44000000000005,"endTime":269.83000000000004,"body":"test."},{"speaker":"Miller","startTime":270.15500000000003,"endTime":270.285,"body":"It"},{"speaker":"Miller","startTime":270.285,"endTime":270.495,"body":"just"},{"speaker":"Miller","startTime":270.495,"endTime":270.785,"body":"looked"},{"speaker":"Miller","startTime":270.785,"endTime":270.885,"body":"at"},{"speaker":"Miller","startTime":270.90500000000003,"endTime":271.345,"body":"asset"},{"speaker":"Miller","startTime":271.345,"endTime":272.135,"body":"volatility."},{"speaker":"Miller","startTime":272.15500000000003,"endTime":272.295,"body":"It"},{"speaker":"Miller","startTime":272.295,"endTime":272.435,"body":"was"},{"speaker":"Miller","startTime":272.435,"endTime":272.505,"body":"a"},{"speaker":"Miller","startTime":272.505,"endTime":272.815,"body":"scope"},{"speaker":"Miller","startTime":272.825,"endTime":272.83500000000004,"body":"determinant."},{"speaker":"Miller","startTime":273.90500000000003,"endTime":274.825,"body":"2016"},{"speaker":"Miller","startTime":274.83500000000004,"endTime":275.295,"body":"is"},{"speaker":"Miller","startTime":275.305,"endTime":275.665,"body":"really"},{"speaker":"Miller","startTime":275.665,"endTime":275.815,"body":"when"},{"speaker":"Miller","startTime":275.815,"endTime":275.935,"body":"they"},{"speaker":"Miller","startTime":275.935,"endTime":276.20500000000004,"body":"came"},{"speaker":"Miller","startTime":276.20500000000004,"endTime":276.345,"body":"out"},{"speaker":"Miller","startTime":276.345,"endTime":276.52500000000003,"body":"with"},{"speaker":"Miller","startTime":276.52500000000003,"endTime":276.565,"body":"a"},{"speaker":"Miller","startTime":276.565,"endTime":277.125,"body":"policy"},{"speaker":"Miller","startTime":277.125,"endTime":277.285,"body":"that"},{"speaker":"Miller","startTime":277.285,"endTime":277.39500000000004,"body":"they"},{"speaker":"Miller","startTime":277.39500000000004,"endTime":277.52500000000003,"body":"were"},{"speaker":"Miller","startTime":277.535,"endTime":277.845,"body":"talking"},{"speaker":"Miller","startTime":277.845,"endTime":278.165,"body":"about"},{"speaker":"Miller","startTime":278.165,"endTime":278.595,"body":"today"},{"speaker":"Miller","startTime":278.595,"endTime":278.885,"body":"and"},{"speaker":"Miller","startTime":278.885,"endTime":279.415,"body":"revisions"},{"speaker":"Miller","startTime":279.415,"endTime":279.64500000000004,"body":"made"},{"speaker":"Miller","startTime":279.64500000000004,"endTime":279.7549995,"body":"to"},{"speaker":"Miller","startTime":279.7549995,"endTime":280.06499900000006,"body":"that."},{"speaker":"Miller","startTime":280.454999,"endTime":280.664999,"body":"So"},{"speaker":"Miller","startTime":280.664999,"endTime":280.784999,"body":"we'll"},{"speaker":"Miller","startTime":280.785,"endTime":281.115,"body":"talk"},{"speaker":"Miller","startTime":281.115,"endTime":281.2049995,"body":"a"},{"speaker":"Miller","startTime":281.2049995,"endTime":281.65499900000003,"body":"little"},{"speaker":"Miller","startTime":281.664999,"endTime":281.90499900000003,"body":"bit"},{"speaker":"Miller","startTime":281.90500000000003,"endTime":282.27500000000003,"body":"about"},{"speaker":"Miller","startTime":282.27500000000003,"endTime":282.555,"body":"that"},{"speaker":"Miller","startTime":282.555,"endTime":282.795,"body":"one."},{"speaker":"Miller","startTime":282.805,"endTime":283.065,"body":"That's"},{"speaker":"Miller","startTime":283.065,"endTime":283.21500000000003,"body":"when"},{"speaker":"Miller","startTime":283.21500000000003,"endTime":283.825,"body":"NCUA"},{"speaker":"Miller","startTime":283.825,"endTime":284.545,"body":"determined"},{"speaker":"Miller","startTime":284.64500000000004,"endTime":285.045,"body":"that"},{"speaker":"Miller","startTime":285.055,"endTime":285.2049995,"body":"we"},{"speaker":"Miller","startTime":285.2049995,"endTime":285.364999,"body":"were"},{"speaker":"Miller","startTime":285.374999,"endTime":285.664999,"body":"going"},{"speaker":"Miller","startTime":285.664999,"endTime":285.814999,"body":"to"},{"speaker":"Miller","startTime":285.815,"endTime":286.305,"body":"use,"},{"speaker":"Miller","startTime":286.305,"endTime":286.445,"body":"or"},{"speaker":"Miller","startTime":286.45499900000004,"endTime":286.564999,"body":"the"},{"speaker":"Miller","startTime":286.565,"endTime":287.09499950000003,"body":"agency"},{"speaker":"Miller","startTime":287.09499950000003,"endTime":287.27499900000004,"body":"was"},{"speaker":"Miller","startTime":287.305,"endTime":287.565,"body":"going"},{"speaker":"Miller","startTime":287.565,"endTime":287.7049995,"body":"to"},{"speaker":"Miller","startTime":287.7049995,"endTime":288.244999,"body":"use,"},{"speaker":"Miller","startTime":288.614999,"endTime":289.214999,"body":"premiums"},{"speaker":"Miller","startTime":289.215,"endTime":289.385,"body":"of"},{"speaker":"Miller","startTime":289.395,"endTime":289.6749995,"body":"one"},{"speaker":"Miller","startTime":289.6749995,"endTime":289.814999,"body":"in"},{"speaker":"Miller","startTime":289.855,"endTime":290.105,"body":"4"},{"speaker":"Miller","startTime":290.115,"endTime":290.565,"body":"percent"},{"speaker":"Miller","startTime":290.59499999999997,"endTime":290.745,"body":"for"},{"speaker":"Miller","startTime":290.745,"endTime":290.995,"body":"non"},{"speaker":"Miller","startTime":290.995,"endTime":291.495,"body":"maturity"},{"speaker":"Miller","startTime":291.495,"endTime":292.035,"body":"shares."},{"speaker":"Miller","startTime":292.465,"endTime":292.635,"body":"You'll"},{"speaker":"Miller","startTime":292.635,"endTime":292.765,"body":"have"},{"speaker":"Miller","startTime":292.765,"endTime":292.855,"body":"to"},{"speaker":"Miller","startTime":292.855,"endTime":293.325,"body":"excuse"},{"speaker":"Miller","startTime":293.325,"endTime":293.445,"body":"me"},{"speaker":"Miller","startTime":293.445,"endTime":293.59499999999997,"body":"if"},{"speaker":"Miller","startTime":293.59499999999997,"endTime":293.705,"body":"I"},{"speaker":"Miller","startTime":293.725,"endTime":293.965,"body":"say"},{"speaker":"Miller","startTime":293.965,"endTime":294.285,"body":"we,"},{"speaker":"Miller","startTime":294.295,"endTime":294.755,"body":"sometimes"},{"speaker":"Miller","startTime":294.755,"endTime":294.815,"body":"I"},{"speaker":"Miller","startTime":294.815,"endTime":295.065,"body":"think"},{"speaker":"Miller","startTime":295.065,"endTime":295.185,"body":"I'm"},{"speaker":"Miller","startTime":295.185,"endTime":295.405,"body":"still"},{"speaker":"Miller","startTime":295.405,"endTime":295.565,"body":"with"},{"speaker":"Miller","startTime":295.565,"endTime":297.09499999999997,"body":"NCUA."},{"speaker":"Miller","startTime":297.0951,"endTime":297.23906,"body":"I"},{"speaker":"Miller","startTime":297.23906,"endTime":297.38302,"body":"spent"},{"speaker":"Miller","startTime":297.38302,"endTime":297.52698,"body":"so"},{"speaker":"Miller","startTime":297.52698000000004,"endTime":297.67094000000003,"body":"much"},{"speaker":"Miller","startTime":297.67094000000003,"endTime":297.8149,"body":"time."},{"speaker":"Miller","startTime":297.855,"endTime":298.085,"body":"With"},{"speaker":"Miller","startTime":298.085,"endTime":298.315,"body":"that"},{"speaker":"Miller","startTime":298.315,"endTime":298.805,"body":"family,"},{"speaker":"Miller","startTime":298.825,"endTime":299.075,"body":"but"},{"speaker":"Miller","startTime":299.105,"endTime":299.325,"body":"that"},{"speaker":"Miller","startTime":299.325,"endTime":299.515,"body":"was"},{"speaker":"Miller","startTime":299.515,"endTime":299.985,"body":"addressing"},{"speaker":"Miller","startTime":299.985,"endTime":300.045,"body":"a"},{"speaker":"Miller","startTime":300.045,"endTime":300.485,"body":"problem."},{"speaker":"Miller","startTime":300.485,"endTime":300.615,"body":"There"},{"speaker":"Miller","startTime":300.615,"endTime":300.755,"body":"were"},{"speaker":"Miller","startTime":300.775,"endTime":301.285,"body":"parties"},{"speaker":"Miller","startTime":301.285,"endTime":301.485,"body":"out"},{"speaker":"Miller","startTime":301.485,"endTime":301.745,"body":"there"},{"speaker":"Miller","startTime":301.755,"endTime":302.265,"body":"that"},{"speaker":"Miller","startTime":302.645,"endTime":303.165,"body":"had"},{"speaker":"Miller","startTime":303.175,"endTime":303.59499999999997,"body":"very"},{"speaker":"Miller","startTime":303.59499999999997,"endTime":304.005,"body":"large"},{"speaker":"Miller","startTime":304.015,"endTime":304.305,"body":"non"},{"speaker":"Miller","startTime":304.475,"endTime":304.835,"body":"maturity"},{"speaker":"Miller","startTime":304.835,"endTime":305.075,"body":"share"},{"speaker":"Miller","startTime":305.075,"endTime":305.575,"body":"premiums."},{"speaker":"Miller","startTime":305.575,"endTime":305.675,"body":"It"},{"speaker":"Miller","startTime":305.675,"endTime":306.025,"body":"wasn't"},{"speaker":"Miller","startTime":306.025,"endTime":306.105,"body":"a"},{"speaker":"Miller","startTime":306.105,"endTime":306.475,"body":"lot"},{"speaker":"Miller","startTime":306.475,"endTime":306.585,"body":"of"},{"speaker":"Miller","startTime":306.585,"endTime":306.795,"body":"them,"},{"speaker":"Miller","startTime":306.84499999999997,"endTime":307.695,"body":"but"},{"speaker":"Miller","startTime":308.025,"endTime":308.28499949999997,"body":"there"},{"speaker":"Miller","startTime":308.28499949999997,"endTime":308.424999,"body":"was"},{"speaker":"Miller","startTime":308.425,"endTime":308.475,"body":"a"},{"speaker":"Miller","startTime":308.475,"endTime":308.815,"body":"number"},{"speaker":"Miller","startTime":308.815,"endTime":308.905,"body":"of"},{"speaker":"Miller","startTime":308.905,"endTime":309.055,"body":"them"},{"speaker":"Miller","startTime":309.055,"endTime":309.2049995,"body":"where"},{"speaker":"Miller","startTime":309.2049995,"endTime":309.694999,"body":"those"},{"speaker":"Miller","startTime":309.735,"endTime":310.365,"body":"premiums"},{"speaker":"Miller","startTime":310.365,"endTime":310.545,"body":"would"},{"speaker":"Miller","startTime":310.555,"endTime":310.705,"body":"be"},{"speaker":"Miller","startTime":310.744999,"endTime":311.504999,"body":"15%,"},{"speaker":"Miller","startTime":311.664999,"endTime":312.404999,"body":"20%,"},{"speaker":"Miller","startTime":312.454999,"endTime":312.734999,"body":"even"},{"speaker":"Miller","startTime":312.735,"endTime":312.8749995,"body":"on"},{"speaker":"Miller","startTime":312.8749995,"endTime":313.464999,"body":"occasions,"},{"speaker":"Miller","startTime":313.515,"endTime":314.285,"body":"30%."},{"speaker":"Miller","startTime":314.845,"endTime":315.315,"body":"And"},{"speaker":"Miller","startTime":315.354999,"endTime":315.584999,"body":"in"},{"speaker":"Miller","startTime":315.585,"endTime":315.975,"body":"those"},{"speaker":"Miller","startTime":315.985,"endTime":317.355,"body":"situations,"},{"speaker":"Miller","startTime":317.885,"endTime":317.995,"body":"the"},{"speaker":"Miller","startTime":317.995,"endTime":318.285,"body":"credit"},{"speaker":"Miller","startTime":318.285,"endTime":318.475,"body":"union"},{"speaker":"Miller","startTime":318.475,"endTime":318.635,"body":"could"},{"speaker":"Miller","startTime":318.635,"endTime":319.175,"body":"essentially"},{"speaker":"Miller","startTime":319.185,"endTime":319.375,"body":"have"},{"speaker":"Miller","startTime":319.375,"endTime":319.615,"body":"about"},{"speaker":"Miller","startTime":319.615,"endTime":319.665,"body":"a"},{"speaker":"Miller","startTime":319.665,"endTime":319.925,"body":"hundred"},{"speaker":"Miller","startTime":319.925,"endTime":320.255,"body":"percent"},{"speaker":"Miller","startTime":320.255,"endTime":320.365,"body":"of"},{"speaker":"Miller","startTime":320.365,"endTime":320.515,"body":"their"},{"speaker":"Miller","startTime":320.515,"endTime":320.845,"body":"loans"},{"speaker":"Miller","startTime":320.845,"endTime":320.975,"body":"in"},{"speaker":"Miller","startTime":321.02500000000003,"endTime":321.285,"body":"fixed"},{"speaker":"Miller","startTime":321.285,"endTime":321.495,"body":"rate,"},{"speaker":"Miller","startTime":321.495,"endTime":321.695,"body":"long"},{"speaker":"Miller","startTime":321.695,"endTime":322.065,"body":"term"},{"speaker":"Miller","startTime":322.845,"endTime":323.13500000000005,"body":"real"},{"speaker":"Miller","startTime":323.13500000000005,"endTime":323.63500000000005,"body":"estate,"},{"speaker":"Miller","startTime":323.665,"endTime":324.62500000000006,"body":"and"},{"speaker":"Miller","startTime":324.725,"endTime":324.83499950000004,"body":"the"},{"speaker":"Miller","startTime":324.83499950000004,"endTime":325.31499900000006,"body":"models"},{"speaker":"Miller","startTime":325.31500000000005,"endTime":325.52500000000003,"body":"would"},{"speaker":"Miller","startTime":325.52500000000003,"endTime":325.83499950000004,"body":"say"},{"speaker":"Miller","startTime":325.83499950000004,"endTime":326.034999,"body":"they're"},{"speaker":"Miller","startTime":326.035,"endTime":326.56500000000005,"body":"fine."},{"speaker":"Miller","startTime":326.57500000000005,"endTime":327.035,"body":"So."},{"speaker":"Miller","startTime":327.44500000000005,"endTime":327.545,"body":"I"},{"speaker":"Miller","startTime":327.545,"endTime":327.745,"body":"would"},{"speaker":"Miller","startTime":327.745,"endTime":328.225,"body":"rephrase"},{"speaker":"Miller","startTime":328.225,"endTime":328.365,"body":"it"},{"speaker":"Miller","startTime":328.365,"endTime":328.735,"body":"as"},{"speaker":"Miller","startTime":328.915,"endTime":329.20500000000004,"body":"credit"},{"speaker":"Miller","startTime":329.21500000000003,"endTime":329.725,"body":"unions"},{"speaker":"Miller","startTime":329.745,"endTime":329.88500000000005,"body":"were"},{"speaker":"Miller","startTime":329.88500000000005,"endTime":330.615,"body":"using"},{"speaker":"Miller","startTime":330.625,"endTime":331.06500000000005,"body":"model"},{"speaker":"Miller","startTime":331.06500000000005,"endTime":331.665,"body":"results"},{"speaker":"Miller","startTime":331.675,"endTime":331.81500000000005,"body":"to"},{"speaker":"Miller","startTime":331.81500000000005,"endTime":332.38500000000005,"body":"justify"},{"speaker":"Miller","startTime":332.38500000000005,"endTime":332.605,"body":"what"},{"speaker":"Miller","startTime":332.605,"endTime":332.725,"body":"they"},{"speaker":"Miller","startTime":332.725,"endTime":332.865,"body":"were"},{"speaker":"Miller","startTime":332.865,"endTime":333.285,"body":"doing"},{"speaker":"Miller","startTime":333.615,"endTime":333.805,"body":"and"},{"speaker":"Miller","startTime":333.805,"endTime":334.045,"body":"not"},{"speaker":"Miller","startTime":334.045,"endTime":334.38500000000005,"body":"using"},{"speaker":"Miller","startTime":334.38500000000005,"endTime":334.535,"body":"their"},{"speaker":"Miller","startTime":334.535,"endTime":335.045,"body":"models"},{"speaker":"Miller","startTime":335.045,"endTime":335.32500000000005,"body":"to"},{"speaker":"Miller","startTime":335.32500000000005,"endTime":335.77499950000004,"body":"inform"},{"speaker":"Miller","startTime":335.77499950000004,"endTime":335.914999,"body":"their"},{"speaker":"Miller","startTime":335.915,"endTime":336.39500000000004,"body":"decision"},{"speaker":"Miller","startTime":336.94499900000005,"endTime":337.314999,"body":"making,"},{"speaker":"Miller","startTime":337.314999,"endTime":337.494999,"body":"so"},{"speaker":"Miller","startTime":337.495,"endTime":337.57500000000005,"body":"to"},{"speaker":"Miller","startTime":337.57500000000005,"endTime":337.90500000000003,"body":"speak."},{"speaker":"Miller","startTime":338.745,"endTime":339.285,"body":"So,"},{"speaker":"Miller","startTime":339.705,"endTime":339.8949995,"body":"to"},{"speaker":"Miller","startTime":339.8949995,"endTime":340.294999,"body":"just"},{"speaker":"Miller","startTime":340.434999,"endTime":341.324999,"body":"alleviate"},{"speaker":"Miller","startTime":341.354999,"endTime":341.684999,"body":"all"},{"speaker":"Miller","startTime":341.684999,"endTime":341.834999,"body":"of"},{"speaker":"Miller","startTime":341.835,"endTime":342.105,"body":"that,"},{"speaker":"Miller","startTime":342.125,"endTime":342.135,"body":"NCUA"},{"speaker":"Miller","startTime":343.03499999999997,"endTime":343.385,"body":"came"},{"speaker":"Miller","startTime":343.385,"endTime":343.635,"body":"up"},{"speaker":"Miller","startTime":343.675,"endTime":343.985,"body":"with"},{"speaker":"Miller","startTime":343.995,"endTime":344.165,"body":"the"},{"speaker":"Miller","startTime":344.165,"endTime":345.125,"body":"1"},{"speaker":"Miller","startTime":345.1251,"endTime":345.15,"body":"and"},{"speaker":"Miller","startTime":345.15,"endTime":345.1749,"body":"4"},{"speaker":"Miller","startTime":345.175,"endTime":345.6149995,"body":"percent"},{"speaker":"Miller","startTime":345.6149995,"endTime":346.324999,"body":"premiums."},{"speaker":"Miller","startTime":346.765,"endTime":346.8849995,"body":"They"},{"speaker":"Miller","startTime":346.8849995,"endTime":347.074999,"body":"did"},{"speaker":"Miller","startTime":347.075,"endTime":347.1149995,"body":"a"},{"speaker":"Miller","startTime":347.1149995,"endTime":347.35499899999996,"body":"lot"},{"speaker":"Miller","startTime":347.355,"endTime":347.4449995,"body":"of"},{"speaker":"Miller","startTime":347.4449995,"endTime":347.934999,"body":"research."},{"speaker":"Miller","startTime":348.71000000000004,"endTime":349.27000000000004,"body":"Everyone's"},{"speaker":"Miller","startTime":349.27000000000004,"endTime":349.78000000000003,"body":"models"},{"speaker":"Miller","startTime":349.78000000000003,"endTime":349.93,"body":"on"},{"speaker":"Miller","startTime":349.93,"endTime":350.04,"body":"the"},{"speaker":"Miller","startTime":350.05,"endTime":350.48,"body":"asset"},{"speaker":"Miller","startTime":350.48,"endTime":350.72,"body":"side"},{"speaker":"Miller","startTime":350.72,"endTime":350.79,"body":"of"},{"speaker":"Miller","startTime":350.8,"endTime":350.91,"body":"the"},{"speaker":"Miller","startTime":350.91,"endTime":351.36,"body":"balance"},{"speaker":"Miller","startTime":351.36,"endTime":351.65000000000003,"body":"sheet"},{"speaker":"Miller","startTime":351.68,"endTime":351.90000000000003,"body":"look"},{"speaker":"Miller","startTime":351.92,"endTime":352.23,"body":"very"},{"speaker":"Miller","startTime":352.23,"endTime":352.5,"body":"much"},{"speaker":"Miller","startTime":352.5,"endTime":352.63,"body":"the"},{"speaker":"Miller","startTime":352.63,"endTime":353.20000000000005,"body":"same."},{"speaker":"Miller","startTime":353.22,"endTime":353.5,"body":"Most"},{"speaker":"Miller","startTime":353.5,"endTime":353.6,"body":"of"},{"speaker":"Miller","startTime":353.6,"endTime":353.66,"body":"the"},{"speaker":"Miller","startTime":353.66,"endTime":354.34000000000003,"body":"liability"},{"speaker":"Miller","startTime":354.34000000000003,"endTime":354.72,"body":"side"},{"speaker":"Miller","startTime":354.72,"endTime":354.90000000000003,"body":"look"},{"speaker":"Miller","startTime":354.93,"endTime":355.20000000000005,"body":"very"},{"speaker":"Miller","startTime":355.20000000000005,"endTime":355.46000000000004,"body":"much"},{"speaker":"Miller","startTime":355.46000000000004,"endTime":355.6,"body":"the"},{"speaker":"Miller","startTime":355.6,"endTime":355.94,"body":"same."},{"speaker":"Miller","startTime":355.94,"endTime":356.09000000000003,"body":"But"},{"speaker":"Miller","startTime":356.09000000000003,"endTime":356.22,"body":"then"},{"speaker":"Miller","startTime":356.22,"endTime":356.37,"body":"you"},{"speaker":"Miller","startTime":356.37,"endTime":356.56,"body":"come"},{"speaker":"Miller","startTime":356.56,"endTime":356.64000000000004,"body":"to"},{"speaker":"Miller","startTime":356.64000000000004,"endTime":356.81,"body":"these"},{"speaker":"Miller","startTime":356.82,"endTime":357.03000000000003,"body":"non"},{"speaker":"Miller","startTime":357.03000000000003,"endTime":357.5,"body":"maturity"},{"speaker":"Miller","startTime":357.5,"endTime":358.01,"body":"shares"},{"speaker":"Miller","startTime":358.56,"endTime":358.86,"body":"and"},{"speaker":"Miller","startTime":358.86,"endTime":359.35,"body":"results"},{"speaker":"Miller","startTime":359.35,"endTime":359.5,"body":"were"},{"speaker":"Miller","startTime":359.57,"endTime":359.82,"body":"all"},{"speaker":"Miller","startTime":359.82,"endTime":360.03000000000003,"body":"over"},{"speaker":"Miller","startTime":360.03000000000003,"endTime":360.13,"body":"the"},{"speaker":"Miller","startTime":360.13,"endTime":360.46000000000004,"body":"place"},{"speaker":"Miller","startTime":360.46000000000004,"endTime":360.56,"body":"and"},{"speaker":"Miller","startTime":360.56,"endTime":360.82,"body":"very"},{"speaker":"Miller","startTime":360.82,"endTime":361.55,"body":"inconsistent."},{"speaker":"Miller","startTime":361.56,"endTime":361.7399995,"body":"So"},{"speaker":"Miller","startTime":361.7399995,"endTime":362.159999,"body":"NCA"},{"speaker":"Miller","startTime":362.17,"endTime":362.36,"body":"said,"},{"speaker":"Miller","startTime":362.64000000000004,"endTime":362.82999950000004,"body":"we'll"},{"speaker":"Miller","startTime":362.82999950000004,"endTime":363.02999900000003,"body":"make"},{"speaker":"Miller","startTime":363.02999900000003,"endTime":363.21999900000003,"body":"this"},{"speaker":"Miller","startTime":363.22,"endTime":363.90000000000003,"body":"consistent."},{"speaker":"Miller","startTime":363.949999,"endTime":364.169999,"body":"We'll"},{"speaker":"Miller","startTime":364.17,"endTime":364.6199995,"body":"create"},{"speaker":"Miller","startTime":364.6199995,"endTime":364.789999,"body":"some"},{"speaker":"Miller","startTime":364.789999,"endTime":365.07999900000004,"body":"bright"},{"speaker":"Miller","startTime":365.08000000000004,"endTime":365.67,"body":"lines."},{"speaker":"Miller","startTime":366.195,"endTime":366.355,"body":"It"},{"speaker":"Miller","startTime":366.355,"endTime":366.565,"body":"will"},{"speaker":"Miller","startTime":366.565,"endTime":366.935,"body":"avoid"},{"speaker":"Miller","startTime":366.935,"endTime":367.105,"body":"us"},{"speaker":"Miller","startTime":367.105,"endTime":367.315,"body":"from"},{"speaker":"Miller","startTime":367.315,"endTime":367.735,"body":"having"},{"speaker":"Miller","startTime":367.735,"endTime":367.975,"body":"these"},{"speaker":"Miller","startTime":367.995,"endTime":368.635,"body":"discussions"},{"speaker":"Miller","startTime":368.635,"endTime":368.825,"body":"with"},{"speaker":"Miller","startTime":368.825,"endTime":369.195,"body":"credit"},{"speaker":"Miller","startTime":369.195,"endTime":369.865,"body":"unions."},{"speaker":"Miller","startTime":370.21500000000003,"endTime":370.425,"body":"It's"},{"speaker":"Miller","startTime":370.425,"endTime":370.485,"body":"a"},{"speaker":"Miller","startTime":370.485,"endTime":370.735,"body":"one"},{"speaker":"Miller","startTime":370.735,"endTime":371.175,"body":"size"},{"speaker":"Miller","startTime":371.21500000000003,"endTime":371.445,"body":"fits"},{"speaker":"Miller","startTime":371.445,"endTime":371.615,"body":"all"},{"speaker":"Miller","startTime":371.615,"endTime":372.255,"body":"approach."},{"speaker":"Miller","startTime":372.71500000000003,"endTime":373.065,"body":"That"},{"speaker":"Miller","startTime":373.065,"endTime":373.625,"body":"works"},{"speaker":"Miller","startTime":373.635,"endTime":373.865,"body":"for"},{"speaker":"Miller","startTime":373.865,"endTime":374.33499950000004,"body":"most"},{"speaker":"Miller","startTime":374.33499950000004,"endTime":374.40499900000003,"body":"of"},{"speaker":"Miller","startTime":374.414999,"endTime":374.534999,"body":"the"},{"speaker":"Miller","startTime":374.535,"endTime":374.96500000000003,"body":"time,"},{"speaker":"Miller","startTime":374.96500000000003,"endTime":375.095,"body":"and"},{"speaker":"Miller","startTime":375.095,"endTime":375.21500000000003,"body":"it"},{"speaker":"Miller","startTime":375.225,"endTime":375.435,"body":"did"},{"speaker":"Miller","startTime":375.435,"endTime":376.185,"body":"accomplish"},{"speaker":"Miller","startTime":376.204999,"endTime":376.46499900000003,"body":"what"},{"speaker":"Miller","startTime":376.46500000000003,"endTime":376.595,"body":"the"},{"speaker":"Miller","startTime":376.595,"endTime":377.375,"body":"agency"},{"speaker":"Miller","startTime":377.385,"endTime":378.045,"body":"wanted"},{"speaker":"Miller","startTime":378.565,"endTime":378.855,"body":"in"},{"speaker":"Miller","startTime":378.855,"endTime":379.595,"body":"terms"},{"speaker":"Miller","startTime":379.664999,"endTime":380.46499900000003,"body":"of"},{"speaker":"Miller","startTime":380.555,"endTime":380.89500000000004,"body":"some"},{"speaker":"Miller","startTime":380.89500000000004,"endTime":381.865,"body":"consistency"},{"speaker":"Miller","startTime":381.865,"endTime":381.995,"body":"of"},{"speaker":"Miller","startTime":382.005,"endTime":382.735,"body":"measurement"},{"speaker":"Miller","startTime":382.944999,"endTime":383.14499900000004,"body":"and"},{"speaker":"Miller","startTime":383.14500000000004,"endTime":383.485,"body":"helping"},{"speaker":"Miller","startTime":383.485,"endTime":383.71500000000003,"body":"them"},{"speaker":"Miller","startTime":383.735,"endTime":384.1949995,"body":"compare"},{"speaker":"Miller","startTime":384.1949995,"endTime":384.52499900000004,"body":"risk"},{"speaker":"Miller","startTime":384.52499900000004,"endTime":384.664999,"body":"in"},{"speaker":"Miller","startTime":384.675001,"endTime":384.925001,"body":"one"},{"speaker":"Miller","startTime":384.925001,"endTime":385.2250005,"body":"credit"},{"speaker":"Miller","startTime":385.2250005,"endTime":385.385,"body":"unit"},{"speaker":"Miller","startTime":385.415,"endTime":385.5349995,"body":"to"},{"speaker":"Miller","startTime":385.5349995,"endTime":385.814999,"body":"another"},{"speaker":"Miller","startTime":385.81509900000003,"endTime":386.1049995,"body":"credit"},{"speaker":"Miller","startTime":386.1049995,"endTime":386.3949,"body":"unit."},{"speaker":"Miller","startTime":387.105,"endTime":387.23500000000007,"body":"It"},{"speaker":"Miller","startTime":387.23500000000007,"endTime":387.77500000000003,"body":"accomplished"},{"speaker":"Miller","startTime":387.77500000000003,"endTime":388.00500000000005,"body":"that"},{"speaker":"Miller","startTime":388.02500000000003,"endTime":388.39500000000004,"body":"very"},{"speaker":"Miller","startTime":388.39500000000004,"endTime":388.73500000000007,"body":"well."},{"speaker":"Treichel","startTime":389.80500000000006,"endTime":390.035,"body":"And"},{"speaker":"Treichel","startTime":390.035,"endTime":390.14500000000004,"body":"they"},{"speaker":"Treichel","startTime":390.14500000000004,"endTime":390.5450000000001,"body":"actually,"},{"speaker":"Treichel","startTime":390.5450000000001,"endTime":390.7950000000001,"body":"Todd,"},{"speaker":"Treichel","startTime":390.7950000000001,"endTime":390.88500000000005,"body":"they"},{"speaker":"Treichel","startTime":390.88500000000005,"endTime":391.285,"body":"actually"},{"speaker":"Treichel","startTime":391.32500000000005,"endTime":391.49500000000006,"body":"in"},{"speaker":"Treichel","startTime":391.49500000000006,"endTime":391.62500000000006,"body":"the"},{"speaker":"Treichel","startTime":391.62500000000006,"endTime":392.17500000000007,"body":"webinar,"},{"speaker":"Treichel","startTime":392.20500000000004,"endTime":392.42500000000007,"body":"which"},{"speaker":"Treichel","startTime":392.42500000000007,"endTime":392.63500000000005,"body":"we'll,"},{"speaker":"Treichel","startTime":392.65500000000003,"endTime":392.83500000000004,"body":"I'll"},{"speaker":"Treichel","startTime":392.83500000000004,"endTime":392.98500000000007,"body":"have"},{"speaker":"Treichel","startTime":392.98500000000007,"endTime":393.0450000000001,"body":"a"},{"speaker":"Treichel","startTime":393.0450000000001,"endTime":393.32500000000005,"body":"link"},{"speaker":"Treichel","startTime":393.32500000000005,"endTime":393.62500000000006,"body":"to"},{"speaker":"Treichel","startTime":393.62500000000006,"endTime":394.00500000000005,"body":"the"},{"speaker":"Treichel","startTime":394.0450000000001,"endTime":394.49500000000006,"body":"actual"},{"speaker":"Treichel","startTime":394.49510000000004,"endTime":394.51490000000007,"body":"NCOA"},{"speaker":"Treichel","startTime":394.51500000000004,"endTime":395.48500000000007,"body":"webinar"},{"speaker":"Treichel","startTime":395.48500000000007,"endTime":395.50500000000005,"body":"in"},{"speaker":"Treichel","startTime":395.50500000000005,"endTime":395.595,"body":"the"},{"speaker":"Treichel","startTime":395.595,"endTime":395.8549995000001,"body":"show"},{"speaker":"Treichel","startTime":395.8549995000001,"endTime":396.2349990000001,"body":"notes"},{"speaker":"Treichel","startTime":396.285,"endTime":396.63500000000005,"body":"once"},{"speaker":"Treichel","startTime":396.63500000000005,"endTime":396.9150000000001,"body":"they,"},{"speaker":"Treichel","startTime":396.95500000000004,"endTime":397.02500000000003,"body":"I"},{"speaker":"Treichel","startTime":397.02500000000003,"endTime":397.13500000000005,"body":"may"},{"speaker":"Treichel","startTime":397.13500000000005,"endTime":397.23500000000007,"body":"have"},{"speaker":"Treichel","startTime":397.23500000000007,"endTime":397.31500000000005,"body":"to"},{"speaker":"Treichel","startTime":397.32500000000005,"endTime":397.43499950000006,"body":"go"},{"speaker":"Treichel","startTime":397.43499950000006,"endTime":397.6649990000001,"body":"back"},{"speaker":"Treichel","startTime":397.6650000000001,"endTime":397.77500000000003,"body":"and"},{"speaker":"Treichel","startTime":397.785,"endTime":397.96500000000003,"body":"add"},{"speaker":"Treichel","startTime":397.96500000000003,"endTime":398.13500000000005,"body":"that"},{"speaker":"Treichel","startTime":398.14499900000004,"endTime":398.25499900000005,"body":"because"},{"speaker":"Treichel","startTime":398.25500000000005,"endTime":398.37500000000006,"body":"we"},{"speaker":"Treichel","startTime":398.37500000000006,"endTime":398.57500000000005,"body":"might"},{"speaker":"Treichel","startTime":398.57500000000005,"endTime":398.71500000000003,"body":"get"},{"speaker":"Treichel","startTime":398.71500000000003,"endTime":398.86500000000007,"body":"our"},{"speaker":"Treichel","startTime":398.87500000000006,"endTime":399.44500000000005,"body":"podcast"},{"speaker":"Treichel","startTime":399.46500000000003,"endTime":399.64500000000004,"body":"up"},{"speaker":"Treichel","startTime":399.6650000000001,"endTime":400.01500000000004,"body":"before"},{"speaker":"Treichel","startTime":400.035,"endTime":400.45500000000004,"body":"NCOA"},{"speaker":"Treichel","startTime":400.474999,"endTime":400.86499900000007,"body":"gets"},{"speaker":"Treichel","startTime":401.38500000000005,"endTime":401.6050000000001,"body":"their"},{"speaker":"Treichel","startTime":401.6050000000001,"endTime":402.08500000000004,"body":"webinar"},{"speaker":"Treichel","startTime":402.08500000000004,"endTime":402.2850000000001,"body":"up,"},{"speaker":"Treichel","startTime":402.30500000000006,"endTime":402.56500000000005,"body":"although"},{"speaker":"Treichel","startTime":402.56500000000005,"endTime":402.75500000000005,"body":"they've"},{"speaker":"Treichel","startTime":402.76500000000004,"endTime":403.00500000000005,"body":"been"},{"speaker":"Treichel","startTime":403.13500000000005,"endTime":403.40499950000003,"body":"moving"},{"speaker":"Treichel","startTime":403.40499950000003,"endTime":403.7249990000001,"body":"those"},{"speaker":"Treichel","startTime":403.83500000000004,"endTime":404.06499950000006,"body":"more"},{"speaker":"Treichel","startTime":404.06499950000006,"endTime":404.58499900000004,"body":"quickly,"},{"speaker":"Treichel","startTime":404.6549990000001,"endTime":405.0449990000001,"body":"lately."},{"speaker":"Treichel","startTime":405.17500000000007,"endTime":405.50500000000005,"body":"But"},{"speaker":"Treichel","startTime":405.6549990000001,"endTime":405.82499900000005,"body":"they"},{"speaker":"Treichel","startTime":405.82499900000005,"endTime":406.01499900000005,"body":"made"},{"speaker":"Treichel","startTime":406.01500000000004,"endTime":406.08500000000004,"body":"a"},{"speaker":"Treichel","startTime":406.08500000000004,"endTime":406.4749995000001,"body":"reference"},{"speaker":"Treichel","startTime":406.4749995000001,"endTime":406.6049990000001,"body":"to"},{"speaker":"Treichel","startTime":406.60509900000005,"endTime":407.0599000000001,"body":"that."},{"speaker":"Treichel","startTime":407.54,"endTime":407.86,"body":"Uh,"},{"speaker":"Treichel","startTime":407.90000000000003,"endTime":408.11,"body":"that"},{"speaker":"Treichel","startTime":408.11,"endTime":408.76,"body":"specific"},{"speaker":"Treichel","startTime":408.79,"endTime":409.2,"body":"issue"},{"speaker":"Treichel","startTime":409.2,"endTime":409.49,"body":"that"},{"speaker":"Treichel","startTime":409.54,"endTime":409.69,"body":"it"},{"speaker":"Treichel","startTime":409.69,"endTime":410.05,"body":"helps"},{"speaker":"Treichel","startTime":410.21000000000004,"endTime":410.98,"body":"NCUA"},{"speaker":"Treichel","startTime":410.98,"endTime":411.44,"body":"provide"},{"speaker":"Treichel","startTime":411.44,"endTime":412.09000000000003,"body":"context"},{"speaker":"Treichel","startTime":412.09000000000003,"endTime":412.22,"body":"if"},{"speaker":"Treichel","startTime":412.22,"endTime":412.39,"body":"we're"},{"speaker":"Treichel","startTime":412.39,"endTime":412.75,"body":"looking"},{"speaker":"Treichel","startTime":412.75,"endTime":413.08,"body":"at"},{"speaker":"Treichel","startTime":413.4200000000001,"endTime":414.1700000000001,"body":"everybody"},{"speaker":"Treichel","startTime":414.30000000000007,"endTime":414.72,"body":"doing"},{"speaker":"Treichel","startTime":414.72,"endTime":414.89000000000004,"body":"all"},{"speaker":"Treichel","startTime":414.89000000000004,"endTime":415.00000000000006,"body":"of"},{"speaker":"Treichel","startTime":415.00000000000006,"endTime":415.12000000000006,"body":"their"},{"speaker":"Treichel","startTime":415.12000000000006,"endTime":415.26000000000005,"body":"own"},{"speaker":"Treichel","startTime":415.26000000000005,"endTime":415.82000000000005,"body":"assumptions"},{"speaker":"Treichel","startTime":415.82000000000005,"endTime":415.99000000000007,"body":"on"},{"speaker":"Treichel","startTime":415.99000000000007,"endTime":416.12000000000006,"body":"it."},{"speaker":"Treichel","startTime":416.12999900000005,"endTime":416.19999900000005,"body":"And"},{"speaker":"Treichel","startTime":416.20000000000005,"endTime":416.39000000000004,"body":"as"},{"speaker":"Treichel","startTime":416.39000000000004,"endTime":416.58000000000004,"body":"you"},{"speaker":"Treichel","startTime":416.58000000000004,"endTime":416.86000000000007,"body":"said,"},{"speaker":"Treichel","startTime":416.86000000000007,"endTime":416.9800000000001,"body":"you"},{"speaker":"Treichel","startTime":416.9800000000001,"endTime":417.08000000000004,"body":"could"},{"speaker":"Treichel","startTime":417.08000000000004,"endTime":417.24000000000007,"body":"have"},{"speaker":"Treichel","startTime":417.24000000000007,"endTime":417.51000000000005,"body":"people"},{"speaker":"Treichel","startTime":417.51000000000005,"endTime":417.81000000000006,"body":"going"},{"speaker":"Treichel","startTime":417.81000000000006,"endTime":418.01000000000005,"body":"with"},{"speaker":"Treichel","startTime":418.01000000000005,"endTime":418.15000000000003,"body":"as"},{"speaker":"Treichel","startTime":418.15000000000003,"endTime":418.22,"body":"a"},{"speaker":"Treichel","startTime":418.22,"endTime":418.59000000000003,"body":"lowest"},{"speaker":"Treichel","startTime":418.6,"endTime":418.81000000000006,"body":"4"},{"speaker":"Treichel","startTime":418.81000000000006,"endTime":419.20999950000004,"body":"percent"},{"speaker":"Treichel","startTime":419.20999950000004,"endTime":419.23999900000007,"body":"and"},{"speaker":"Treichel","startTime":419.24999900000006,"endTime":419.45999900000004,"body":"as"},{"speaker":"Treichel","startTime":419.45999900000004,"endTime":419.61999900000006,"body":"high"},{"speaker":"Treichel","startTime":419.62000000000006,"endTime":419.78000000000003,"body":"as"},{"speaker":"Treichel","startTime":419.789999,"endTime":420.05999900000006,"body":"30%."},{"speaker":"Treichel","startTime":421.27000000000004,"endTime":421.35,"body":"The"},{"speaker":"Treichel","startTime":421.35,"endTime":421.8199995,"body":"numbers"},{"speaker":"Treichel","startTime":421.8199995,"endTime":422.039999,"body":"come"},{"speaker":"Treichel","startTime":422.04,"endTime":422.38,"body":"out"},{"speaker":"Treichel","startTime":422.89000000000004,"endTime":423.1599995,"body":"so"},{"speaker":"Treichel","startTime":423.1599995,"endTime":423.409999,"body":"much"},{"speaker":"Treichel","startTime":423.409999,"endTime":423.929999,"body":"differently."},{"speaker":"Treichel","startTime":423.93,"endTime":424.17,"body":"This"},{"speaker":"Treichel","startTime":424.18,"endTime":424.68,"body":"provides"},{"speaker":"Treichel","startTime":424.68,"endTime":425.31,"body":"context"},{"speaker":"Treichel","startTime":425.31999900000005,"endTime":425.369999,"body":"to"},{"speaker":"Treichel","startTime":425.39999900000004,"endTime":426.009999,"body":"NCUA"},{"speaker":"Treichel","startTime":426.01000000000005,"endTime":426.14000000000004,"body":"so"},{"speaker":"Treichel","startTime":426.14000000000004,"endTime":426.28000000000003,"body":"they"},{"speaker":"Treichel","startTime":426.28000000000003,"endTime":426.41,"body":"can"},{"speaker":"Treichel","startTime":426.41,"endTime":426.62,"body":"take"},{"speaker":"Treichel","startTime":426.62,"endTime":426.77000000000004,"body":"their"},{"speaker":"Treichel","startTime":426.78000000000003,"endTime":427.23,"body":"quarterly"},{"speaker":"Treichel","startTime":427.23,"endTime":427.70000000000005,"body":"data"},{"speaker":"Treichel","startTime":428.22,"endTime":428.44000000000005,"body":"and"},{"speaker":"Treichel","startTime":428.44000000000005,"endTime":428.63000000000005,"body":"take"},{"speaker":"Treichel","startTime":428.63000000000005,"endTime":428.68,"body":"a"},{"speaker":"Treichel","startTime":428.68,"endTime":428.91,"body":"look"},{"speaker":"Treichel","startTime":428.91,"endTime":429.1,"body":"at"},{"speaker":"Treichel","startTime":429.1,"endTime":429.20000000000005,"body":"it"},{"speaker":"Treichel","startTime":429.22,"endTime":429.42,"body":"and"},{"speaker":"Treichel","startTime":429.42,"endTime":429.64000000000004,"body":"see"},{"speaker":"Treichel","startTime":429.64000000000004,"endTime":429.78000000000003,"body":"who"},{"speaker":"Treichel","startTime":429.79,"endTime":430.05,"body":"those"},{"speaker":"Treichel","startTime":430.07000000000005,"endTime":430.63000000000005,"body":"outliers"},{"speaker":"Treichel","startTime":430.64000000000004,"endTime":430.87,"body":"are."},{"speaker":"Treichel","startTime":430.87,"endTime":431.05,"body":"So"},{"speaker":"Treichel","startTime":431.05,"endTime":431.26000000000005,"body":"that"},{"speaker":"Treichel","startTime":431.26000000000005,"endTime":431.71000000000004,"body":"perhaps"},{"speaker":"Treichel","startTime":431.71000000000004,"endTime":431.83000000000004,"body":"they"},{"speaker":"Treichel","startTime":431.83000000000004,"endTime":432.01000000000005,"body":"could"},{"speaker":"Treichel","startTime":432.01000000000005,"endTime":432.36,"body":"say,"},{"speaker":"Treichel","startTime":432.36,"endTime":432.41,"body":"Okay."},{"speaker":"Treichel","startTime":432.795,"endTime":433.225,"body":"Because"},{"speaker":"Treichel","startTime":433.255,"endTime":433.505,"body":"they're"},{"speaker":"Treichel","startTime":433.515,"endTime":434.03499999999997,"body":"outliers"},{"speaker":"Treichel","startTime":434.045,"endTime":434.395,"body":"here,"},{"speaker":"Treichel","startTime":434.495,"endTime":434.635,"body":"we"},{"speaker":"Treichel","startTime":434.635,"endTime":434.825,"body":"might"},{"speaker":"Treichel","startTime":434.825,"endTime":434.975,"body":"want"},{"speaker":"Treichel","startTime":434.975,"endTime":435.025,"body":"to"},{"speaker":"Treichel","startTime":435.025,"endTime":435.255,"body":"send"},{"speaker":"Treichel","startTime":435.255,"endTime":435.305,"body":"a"},{"speaker":"Treichel","startTime":435.305,"endTime":435.605,"body":"capital"},{"speaker":"Treichel","startTime":435.605,"endTime":435.905,"body":"market"},{"speaker":"Treichel","startTime":435.905,"endTime":436.275,"body":"specialist"},{"speaker":"Treichel","startTime":437.255,"endTime":437.495,"body":"into"},{"speaker":"Treichel","startTime":437.495,"endTime":437.685,"body":"those"},{"speaker":"Treichel","startTime":437.685,"endTime":437.975,"body":"credit"},{"speaker":"Treichel","startTime":437.975,"endTime":438.405,"body":"unions"},{"speaker":"Treichel","startTime":439.055,"endTime":439.325,"body":"so"},{"speaker":"Treichel","startTime":439.325,"endTime":439.465,"body":"that"},{"speaker":"Treichel","startTime":439.47499999999997,"endTime":439.59499999999997,"body":"we"},{"speaker":"Treichel","startTime":439.59499999999997,"endTime":439.765,"body":"could"},{"speaker":"Treichel","startTime":439.765,"endTime":440.185,"body":"see"},{"speaker":"Treichel","startTime":440.505,"endTime":440.735,"body":"if"},{"speaker":"Treichel","startTime":440.735,"endTime":440.905,"body":"they"},{"speaker":"Treichel","startTime":440.905,"endTime":441.145,"body":"have"},{"speaker":"Treichel","startTime":441.145,"endTime":441.245,"body":"the"},{"speaker":"Treichel","startTime":441.245,"endTime":441.715,"body":"systems"},{"speaker":"Treichel","startTime":441.715,"endTime":441.865,"body":"in"},{"speaker":"Treichel","startTime":441.865,"endTime":442.395,"body":"place"},{"speaker":"Treichel","startTime":442.435,"endTime":442.615,"body":"and"},{"speaker":"Treichel","startTime":442.615,"endTime":442.685,"body":"the"},{"speaker":"Treichel","startTime":442.685,"endTime":443.175,"body":"programs"},{"speaker":"Treichel","startTime":443.175,"endTime":443.295,"body":"in"},{"speaker":"Treichel","startTime":443.295,"endTime":443.78499999999997,"body":"place"},{"speaker":"Treichel","startTime":443.885,"endTime":444.09499999999997,"body":"to"},{"speaker":"Treichel","startTime":444.09499999999997,"endTime":444.575,"body":"mitigate"},{"speaker":"Treichel","startTime":444.575,"endTime":444.865,"body":"whatever"},{"speaker":"Treichel","startTime":444.865,"endTime":445.315,"body":"risks"},{"speaker":"Treichel","startTime":445.375,"endTime":445.66499999999996,"body":"those"},{"speaker":"Treichel","startTime":445.684999,"endTime":446.004999,"body":"numbers"},{"speaker":"Treichel","startTime":446.005,"endTime":446.215,"body":"might"},{"speaker":"Treichel","startTime":446.215,"endTime":446.4849995,"body":"show"},{"speaker":"Treichel","startTime":446.4849995,"endTime":446.78499899999997,"body":"or"},{"speaker":"Treichel","startTime":446.78499999999997,"endTime":446.965,"body":"that"},{"speaker":"Treichel","startTime":446.965,"endTime":447.075,"body":"there"},{"speaker":"Treichel","startTime":447.075,"endTime":447.375,"body":"actually"},{"speaker":"Treichel","startTime":447.375,"endTime":447.635,"body":"might"},{"speaker":"Treichel","startTime":447.635,"endTime":447.965,"body":"not"},{"speaker":"Treichel","startTime":447.965,"endTime":448.115,"body":"be"},{"speaker":"Treichel","startTime":448.115,"endTime":448.2749995,"body":"any"},{"speaker":"Treichel","startTime":448.2749995,"endTime":448.494999,"body":"risk."},{"speaker":"Treichel","startTime":448.495099,"endTime":449.6149,"body":"Does"},{"speaker":"Treichel","startTime":449.615,"endTime":449.735,"body":"that"},{"speaker":"Treichel","startTime":450.145,"endTime":450.4449995,"body":"sound"},{"speaker":"Treichel","startTime":450.4449995,"endTime":450.704999,"body":"right?"},{"speaker":"Treichel","startTime":451.065,"endTime":451.35499949999996,"body":"That"},{"speaker":"Miller","startTime":451.35499949999996,"endTime":451.604999,"body":"does"},{"speaker":"Miller","startTime":451.604999,"endTime":451.934999,"body":"sound"},{"speaker":"Miller","startTime":451.934999,"endTime":452.344999,"body":"about,"},{"speaker":"Miller","startTime":452.344999,"endTime":452.444999,"body":"and"},{"speaker":"Miller","startTime":452.444999,"endTime":452.524999,"body":"I"},{"speaker":"Miller","startTime":452.54499899999996,"endTime":452.764999,"body":"think"},{"speaker":"Miller","startTime":452.764999,"endTime":452.904999,"body":"it's"},{"speaker":"Miller","startTime":452.904999,"endTime":453.03499899999997,"body":"an"},{"speaker":"Miller","startTime":453.04499899999996,"endTime":453.614999,"body":"accurate"},{"speaker":"Miller","startTime":453.634999,"endTime":454.194999,"body":"statement,"},{"speaker":"Miller","startTime":454.234999,"endTime":454.394999,"body":"but"},{"speaker":"Miller","startTime":454.394999,"endTime":454.54499899999996,"body":"we'll"},{"speaker":"Miller","startTime":454.54499899999996,"endTime":454.694999,"body":"go"},{"speaker":"Miller","startTime":454.704999,"endTime":454.91499899999997,"body":"back"},{"speaker":"Miller","startTime":454.91499899999997,"endTime":455.054999,"body":"and"},{"speaker":"Miller","startTime":455.054999,"endTime":455.29499899999996,"body":"talk"},{"speaker":"Miller","startTime":455.29499899999996,"endTime":455.344999,"body":"a"},{"speaker":"Miller","startTime":455.344999,"endTime":455.54499899999996,"body":"little"},{"speaker":"Miller","startTime":455.54499899999996,"endTime":455.714999,"body":"bit"},{"speaker":"Miller","startTime":455.714999,"endTime":455.904999,"body":"more"},{"speaker":"Miller","startTime":455.904999,"endTime":456.144999,"body":"about"},{"speaker":"Miller","startTime":456.144999,"endTime":456.244999,"body":"the"},{"speaker":"Miller","startTime":456.254999,"endTime":456.744999,"body":"background"},{"speaker":"Miller","startTime":456.744999,"endTime":456.91499899999997,"body":"is."},{"speaker":"Miller","startTime":457.09499999999997,"endTime":457.29499999999996,"body":"It"},{"speaker":"Miller","startTime":457.29499999999996,"endTime":457.85499999999996,"body":"creates"},{"speaker":"Miller","startTime":457.86499999999995,"endTime":458.05499999999995,"body":"some"},{"speaker":"Miller","startTime":458.05499999999995,"endTime":458.705,"body":"problems"},{"speaker":"Miller","startTime":458.705,"endTime":459.05499999999995,"body":"too."},{"speaker":"Miller","startTime":459.075,"endTime":459.92499999999995,"body":"Anytime"},{"speaker":"Miller","startTime":459.92499999999995,"endTime":460.155,"body":"you"},{"speaker":"Miller","startTime":460.155,"endTime":460.585,"body":"do"},{"speaker":"Miller","startTime":460.585,"endTime":460.67499999999995,"body":"a"},{"speaker":"Miller","startTime":460.67499999999995,"endTime":461.005,"body":"one"},{"speaker":"Miller","startTime":461.005,"endTime":461.42499999999995,"body":"size"},{"speaker":"Miller","startTime":461.465,"endTime":461.72499999999997,"body":"fits"},{"speaker":"Miller","startTime":461.72499999999997,"endTime":461.92499999999995,"body":"all"},{"speaker":"Miller","startTime":461.92499999999995,"endTime":462.585,"body":"approach,"},{"speaker":"Miller","startTime":462.635,"endTime":462.85499999999996,"body":"you're"},{"speaker":"Miller","startTime":462.85499999999996,"endTime":463.025,"body":"going"},{"speaker":"Miller","startTime":463.025,"endTime":463.075,"body":"to"},{"speaker":"Miller","startTime":463.085,"endTime":463.255,"body":"have"},{"speaker":"Miller","startTime":463.255,"endTime":463.91499999999996,"body":"outliers"},{"speaker":"Miller","startTime":463.92499999999995,"endTime":464.05499999999995,"body":"where"},{"speaker":"Miller","startTime":464.05499999999995,"endTime":464.255,"body":"that"},{"speaker":"Miller","startTime":464.255,"endTime":464.68499999999995,"body":"approach"},{"speaker":"Miller","startTime":464.68499999999995,"endTime":464.91499999999996,"body":"just"},{"speaker":"Miller","startTime":464.955,"endTime":465.4049995,"body":"doesn't"},{"speaker":"Miller","startTime":465.4049995,"endTime":465.634999,"body":"work."},{"speaker":"Miller","startTime":465.67499999999995,"endTime":465.80499999999995,"body":"The"},{"speaker":"Miller","startTime":465.80499999999995,"endTime":466.065,"body":"fact"},{"speaker":"Miller","startTime":466.065,"endTime":466.125,"body":"of"},{"speaker":"Miller","startTime":466.135,"endTime":466.24499999999995,"body":"the"},{"speaker":"Miller","startTime":466.24499999999995,"endTime":466.72499999999997,"body":"matter"},{"speaker":"Miller","startTime":466.72499999999997,"endTime":467.05499999999995,"body":"is"},{"speaker":"Miller","startTime":467.075,"endTime":467.335,"body":"credit"},{"speaker":"Miller","startTime":467.34499999999997,"endTime":467.98499949999996,"body":"unions"},{"speaker":"Miller","startTime":467.98499949999996,"endTime":468.324999,"body":"are"},{"speaker":"Miller","startTime":468.335,"endTime":468.655,"body":"not"},{"speaker":"Miller","startTime":468.67499999999995,"endTime":468.85499949999996,"body":"all"},{"speaker":"Miller","startTime":468.85499949999996,"endTime":468.97499899999997,"body":"the"},{"speaker":"Miller","startTime":468.97499999999997,"endTime":469.34499999999997,"body":"same"},{"speaker":"Miller","startTime":469.35499899999996,"endTime":469.764999,"body":"balance"},{"speaker":"Miller","startTime":469.765,"endTime":470.065,"body":"sheets"},{"speaker":"Miller","startTime":470.085,"endTime":470.4449995,"body":"vary."},{"speaker":"Miller","startTime":470.4449995,"endTime":470.654999,"body":"There's"},{"speaker":"Miller","startTime":470.654999,"endTime":470.79499899999996,"body":"an"},{"speaker":"Miller","startTime":471.10499899999996,"endTime":471.594999,"body":"infinite"},{"speaker":"Miller","startTime":471.59499999999997,"endTime":471.98499949999996,"body":"number"},{"speaker":"Miller","startTime":471.98499949999996,"endTime":472.10499899999996,"body":"of"},{"speaker":"Miller","startTime":472.144999,"endTime":473.214999,"body":"combinations"},{"speaker":"Miller","startTime":473.704999,"endTime":474.194999,"body":"of"},{"speaker":"Miller","startTime":474.204999,"endTime":474.624999,"body":"risk"},{"speaker":"Miller","startTime":474.624999,"endTime":474.804999,"body":"and"},{"speaker":"Miller","startTime":474.804999,"endTime":475.364999,"body":"reward"},{"speaker":"Miller","startTime":475.384999,"endTime":475.674999,"body":"out"},{"speaker":"Miller","startTime":475.675,"endTime":476.0349995,"body":"there."},{"speaker":"Miller","startTime":476.0349995,"endTime":476.204999,"body":"And"},{"speaker":"Miller","startTime":476.21499900000003,"endTime":476.444999,"body":"one"},{"speaker":"Miller","startTime":476.445,"endTime":476.895,"body":"size"},{"speaker":"Miller","startTime":477.185,"endTime":477.435,"body":"fits"},{"speaker":"Miller","startTime":477.435,"endTime":477.635,"body":"all"},{"speaker":"Miller","startTime":477.635,"endTime":478.46500000000003,"body":"approaches"},{"speaker":"Miller","startTime":478.90500000000003,"endTime":479.295,"body":"doesn't"},{"speaker":"Miller","startTime":479.295,"endTime":479.595,"body":"work"},{"speaker":"Miller","startTime":479.615,"endTime":479.805,"body":"for"},{"speaker":"Miller","startTime":479.825,"endTime":480.545,"body":"everybody."},{"speaker":"Miller","startTime":481.035,"endTime":481.185,"body":"And"},{"speaker":"Miller","startTime":481.185,"endTime":481.305,"body":"in"},{"speaker":"Miller","startTime":481.305,"endTime":481.565,"body":"fact,"},{"speaker":"Miller","startTime":481.565,"endTime":481.74499999999995,"body":"their"},{"speaker":"Miller","startTime":481.74499999999995,"endTime":482.195,"body":"guidance"},{"speaker":"Miller","startTime":482.195,"endTime":482.34499999999997,"body":"in"},{"speaker":"Miller","startTime":482.34499999999997,"endTime":483.335,"body":"2016"},{"speaker":"Miller","startTime":483.34499999999997,"endTime":483.565,"body":"was"},{"speaker":"Miller","startTime":483.575,"endTime":483.935,"body":"very"},{"speaker":"Miller","startTime":483.935,"endTime":484.76500000000004,"body":"inconsistent."},{"speaker":"Miller","startTime":485.175,"endTime":485.46500000000003,"body":"from"},{"speaker":"Miller","startTime":485.46500000000003,"endTime":485.555,"body":"the"},{"speaker":"Miller","startTime":485.555,"endTime":485.725,"body":"way"},{"speaker":"Miller","startTime":485.725,"endTime":485.90500000000003,"body":"they"},{"speaker":"Miller","startTime":485.90500000000003,"endTime":486.295,"body":"manage"},{"speaker":"Miller","startTime":486.315,"endTime":486.57500000000005,"body":"other"},{"speaker":"Miller","startTime":486.57500000000005,"endTime":487.055,"body":"risks."},{"speaker":"Miller","startTime":487.57500000000005,"endTime":487.795,"body":"They've"},{"speaker":"Miller","startTime":487.795,"endTime":488.06500000000005,"body":"always"},{"speaker":"Miller","startTime":488.06500000000005,"endTime":488.375,"body":"talked"},{"speaker":"Miller","startTime":488.375,"endTime":488.64500000000004,"body":"about"},{"speaker":"Miller","startTime":488.64500000000004,"endTime":488.81500000000005,"body":"it's"},{"speaker":"Miller","startTime":488.81500000000005,"endTime":489.51500000000004,"body":"examiner"},{"speaker":"Miller","startTime":489.52500000000003,"endTime":490.06500000000005,"body":"judgment."},{"speaker":"Miller","startTime":490.125,"endTime":490.38500000000005,"body":"We"},{"speaker":"Miller","startTime":490.38500000000005,"endTime":490.665,"body":"need"},{"speaker":"Miller","startTime":490.675,"endTime":490.805,"body":"to"},{"speaker":"Miller","startTime":490.805,"endTime":491.165,"body":"look"},{"speaker":"Miller","startTime":491.165,"endTime":491.595,"body":"at"},{"speaker":"Miller","startTime":491.615,"endTime":491.71500000000003,"body":"a"},{"speaker":"Miller","startTime":491.71500000000003,"endTime":492.06500000000005,"body":"given"},{"speaker":"Miller","startTime":492.06500000000005,"endTime":492.355,"body":"risk"},{"speaker":"Miller","startTime":492.355,"endTime":492.785,"body":"area"},{"speaker":"Miller","startTime":492.82500000000005,"endTime":493.06500000000005,"body":"in"},{"speaker":"Miller","startTime":493.06500000000005,"endTime":493.365,"body":"light"},{"speaker":"Miller","startTime":493.365,"endTime":493.485,"body":"of"},{"speaker":"Miller","startTime":493.535,"endTime":493.82500000000005,"body":"other"},{"speaker":"Miller","startTime":493.82500000000005,"endTime":494.2349995,"body":"risks"},{"speaker":"Miller","startTime":494.2349995,"endTime":494.65499900000003,"body":"areas."},{"speaker":"Miller","startTime":494.665,"endTime":494.805,"body":"So"},{"speaker":"Miller","startTime":494.805,"endTime":494.925,"body":"we"},{"speaker":"Miller","startTime":494.925,"endTime":495.13500000000005,"body":"need"},{"speaker":"Miller","startTime":495.13500000000005,"endTime":495.225,"body":"to"},{"speaker":"Miller","startTime":495.225,"endTime":495.83500000000004,"body":"aggregate"},{"speaker":"Miller","startTime":495.83500000000004,"endTime":496.105,"body":"risks"},{"speaker":"Miller","startTime":496.105,"endTime":496.675,"body":"together"},{"speaker":"Miller","startTime":496.675,"endTime":496.82500000000005,"body":"and"},{"speaker":"Miller","startTime":497.15499900000003,"endTime":497.38499900000005,"body":"their"},{"speaker":"Miller","startTime":497.38500000000005,"endTime":497.83500000000004,"body":"approach"},{"speaker":"Miller","startTime":497.83500000000004,"endTime":497.94499950000005,"body":"in"},{"speaker":"Miller","startTime":497.94499950000005,"endTime":498.804999,"body":"2016"},{"speaker":"Miller","startTime":498.83500000000004,"endTime":499.0649995,"body":"says"},{"speaker":"Miller","startTime":499.0649995,"endTime":499.20499900000004,"body":"if"},{"speaker":"Miller","startTime":499.20500000000004,"endTime":499.365,"body":"you"},{"speaker":"Miller","startTime":499.365,"endTime":499.5649995,"body":"hit"},{"speaker":"Miller","startTime":499.5649995,"endTime":499.784999,"body":"this"},{"speaker":"Miller","startTime":499.795,"endTime":500.1049995,"body":"bright"},{"speaker":"Miller","startTime":500.1049995,"endTime":500.374999,"body":"line,"},{"speaker":"Miller","startTime":500.375,"endTime":500.535,"body":"you're"},{"speaker":"Miller","startTime":500.535,"endTime":500.65499950000003,"body":"going"},{"speaker":"Miller","startTime":500.65499950000003,"endTime":500.724999,"body":"to"},{"speaker":"Miller","startTime":500.725,"endTime":500.89499950000004,"body":"get"},{"speaker":"Miller","startTime":500.89499950000004,"endTime":500.95499900000004,"body":"a"},{"speaker":"Miller","startTime":500.95500000000004,"endTime":501.40499950000003,"body":"document"},{"speaker":"Miller","startTime":501.40499950000003,"endTime":501.46499900000003,"body":"or"},{"speaker":"Miller","startTime":501.46499900000003,"endTime":502.14499900000004,"body":"resolution"},{"speaker":"Miller","startTime":502.435,"endTime":502.58500000000004,"body":"and"},{"speaker":"Miller","startTime":502.58500000000004,"endTime":502.7249995,"body":"we're"},{"speaker":"Miller","startTime":502.7249995,"endTime":502.874999,"body":"going"},{"speaker":"Miller","startTime":502.874999,"endTime":502.94499900000005,"body":"to"},{"speaker":"Miller","startTime":502.95499900000004,"endTime":503.314999,"body":"ask"},{"speaker":"Miller","startTime":503.31499900000006,"endTime":503.434999,"body":"you"},{"speaker":"Miller","startTime":503.435,"endTime":503.555,"body":"to"},{"speaker":"Miller","startTime":503.555,"endTime":503.785,"body":"de"},{"speaker":"Miller","startTime":503.785001,"endTime":504.2450005,"body":"risk."},{"speaker":"Miller","startTime":504.2450005,"endTime":504.735,"body":"So,"},{"speaker":"Miller","startTime":505.235,"endTime":505.26500000000004,"body":"It's"},{"speaker":"Miller","startTime":505.26500000000004,"endTime":505.295,"body":"like"},{"speaker":"Miller","startTime":505.295,"endTime":505.365,"body":"a"},{"speaker":"Miller","startTime":505.365,"endTime":506.24500000000006,"body":"sledgehammer"},{"speaker":"Miller","startTime":506.26500000000004,"endTime":506.615,"body":"to"},{"speaker":"Miller","startTime":506.62500000000006,"endTime":506.65500000000003,"body":"a"},{"speaker":"Miller","startTime":506.65500000000003,"endTime":507.19500000000005,"body":"problem"},{"speaker":"Miller","startTime":507.19500000000005,"endTime":507.485,"body":"that"},{"speaker":"Miller","startTime":507.49500000000006,"endTime":507.89500000000004,"body":"just"},{"speaker":"Miller","startTime":507.915,"endTime":508.20500000000004,"body":"really"},{"speaker":"Miller","startTime":508.20500000000004,"endTime":508.52500000000003,"body":"needed"},{"speaker":"Miller","startTime":508.52500000000003,"endTime":508.87500000000006,"body":"something"},{"speaker":"Miller","startTime":508.87500000000006,"endTime":509.01500000000004,"body":"as"},{"speaker":"Miller","startTime":509.01500000000004,"endTime":509.355,"body":"simple"},{"speaker":"Miller","startTime":509.355,"endTime":509.49500000000006,"body":"as"},{"speaker":"Miller","startTime":509.49500000000006,"endTime":509.57500000000005,"body":"a"},{"speaker":"Miller","startTime":509.785,"endTime":510.31500000000005,"body":"Dremel"},{"speaker":"Miller","startTime":510.32500000000005,"endTime":510.65500000000003,"body":"tool."},{"speaker":"Miller","startTime":510.69500000000005,"endTime":510.845,"body":"They"},{"speaker":"Miller","startTime":510.845,"endTime":511.14500000000004,"body":"went"},{"speaker":"Miller","startTime":511.14500000000004,"endTime":511.40500000000003,"body":"way"},{"speaker":"Miller","startTime":511.43500000000006,"endTime":512.205,"body":"overboard"},{"speaker":"Miller","startTime":512.205,"endTime":512.425,"body":"with"},{"speaker":"Miller","startTime":512.425,"endTime":512.585,"body":"it,"},{"speaker":"Miller","startTime":512.605,"endTime":512.755,"body":"and"},{"speaker":"Miller","startTime":512.755,"endTime":512.845,"body":"it"},{"speaker":"Miller","startTime":512.865,"endTime":513.115,"body":"was"},{"speaker":"Miller","startTime":513.155,"endTime":513.505,"body":"very"},{"speaker":"Miller","startTime":513.505,"endTime":514.285,"body":"inconsistent"},{"speaker":"Miller","startTime":514.315,"endTime":514.595,"body":"with"},{"speaker":"Miller","startTime":514.994999,"endTime":515.204999,"body":"their"},{"speaker":"Miller","startTime":515.225,"endTime":515.515,"body":"other"},{"speaker":"Miller","startTime":515.515,"endTime":516.325,"body":"examination"},{"speaker":"Miller","startTime":516.325,"endTime":516.975,"body":"procedures"},{"speaker":"Miller","startTime":516.975,"endTime":517.135,"body":"in"},{"speaker":"Miller","startTime":517.135,"endTime":517.575,"body":"that"},{"speaker":"Miller","startTime":517.845,"endTime":517.985,"body":"and"},{"speaker":"Miller","startTime":517.985,"endTime":518.425,"body":"everything"},{"speaker":"Miller","startTime":518.425,"endTime":518.725,"body":"else."},{"speaker":"Miller","startTime":518.765,"endTime":519.0349995,"body":"Let's"},{"speaker":"Miller","startTime":519.0349995,"endTime":519.1849990000001,"body":"look"},{"speaker":"Miller","startTime":519.1850000000001,"endTime":519.2849995,"body":"at"},{"speaker":"Miller","startTime":519.2849995,"endTime":519.764999,"body":"aggregate"},{"speaker":"Miller","startTime":519.765,"endTime":520.075,"body":"risk"},{"speaker":"Miller","startTime":520.494999,"endTime":520.774999,"body":"here."},{"speaker":"Miller","startTime":520.775,"endTime":520.925,"body":"They"},{"speaker":"Miller","startTime":520.925,"endTime":521.065,"body":"said,"},{"speaker":"Miller","startTime":521.084999,"endTime":521.354999,"body":"Here's"},{"speaker":"Miller","startTime":521.355,"endTime":521.4149995,"body":"a"},{"speaker":"Miller","startTime":521.4149995,"endTime":522.024999,"body":"silo."},{"speaker":"Miller","startTime":522.3249999999999,"endTime":522.6349999999999,"body":"There's"},{"speaker":"Miller","startTime":522.6449999999999,"endTime":523.025,"body":"zero"},{"speaker":"Miller","startTime":523.025,"endTime":523.665,"body":"examiner"},{"speaker":"Miller","startTime":523.665,"endTime":524.3449999999999,"body":"judgment."},{"speaker":"Miller","startTime":524.805,"endTime":525.035,"body":"We're"},{"speaker":"Miller","startTime":525.045,"endTime":525.415,"body":"going"},{"speaker":"Miller","startTime":525.415,"endTime":525.9549999999999,"body":"to"},{"speaker":"Miller","startTime":525.9649999999999,"endTime":526.2449999999999,"body":"look"},{"speaker":"Miller","startTime":526.2449999999999,"endTime":526.3649999999999,"body":"at"},{"speaker":"Miller","startTime":526.415,"endTime":526.7049999999999,"body":"this"},{"speaker":"Miller","startTime":526.7049999999999,"endTime":526.9649999999999,"body":"one"},{"speaker":"Miller","startTime":526.9649999999999,"endTime":527.655,"body":"factor."},{"speaker":"Miller","startTime":528.0149999999999,"endTime":528.1449999999999,"body":"We're"},{"speaker":"Miller","startTime":528.1449999999999,"endTime":528.3949999999999,"body":"not"},{"speaker":"Miller","startTime":528.3949999999999,"endTime":528.5249999999999,"body":"going"},{"speaker":"Miller","startTime":528.5249999999999,"endTime":528.5949999999999,"body":"to"},{"speaker":"Miller","startTime":528.6149999999999,"endTime":529.1249999999999,"body":"consider"},{"speaker":"Miller","startTime":529.1249999999999,"endTime":529.2149999999999,"body":"how"},{"speaker":"Miller","startTime":529.2149999999999,"endTime":529.415,"body":"much"},{"speaker":"Miller","startTime":529.415,"endTime":529.7749999999999,"body":"credit"},{"speaker":"Miller","startTime":529.7749999999999,"endTime":530.045,"body":"risk"},{"speaker":"Miller","startTime":530.045,"endTime":530.175,"body":"you"},{"speaker":"Miller","startTime":530.175,"endTime":530.5049999999999,"body":"have."},{"speaker":"Miller","startTime":530.5149989999999,"endTime":530.6449989999999,"body":"We're"},{"speaker":"Miller","startTime":530.6449999999999,"endTime":530.8249999999999,"body":"not"},{"speaker":"Miller","startTime":530.8249999999999,"endTime":530.9549999999999,"body":"going"},{"speaker":"Miller","startTime":530.9549999999999,"endTime":530.9849999999999,"body":"to"},{"speaker":"Miller","startTime":531.0149989999999,"endTime":531.4649989999999,"body":"consider"},{"speaker":"Miller","startTime":531.4649999999999,"endTime":531.5549994999999,"body":"how"},{"speaker":"Miller","startTime":531.5549994999999,"endTime":531.7249989999999,"body":"much"},{"speaker":"Miller","startTime":531.7449999999999,"endTime":532.305,"body":"liquidity"},{"speaker":"Miller","startTime":532.3249999999999,"endTime":532.6049999999999,"body":"risk"},{"speaker":"Miller","startTime":532.6049999999999,"endTime":532.7549999999999,"body":"you"},{"speaker":"Miller","startTime":532.7749999999999,"endTime":533.1349999999999,"body":"have."},{"speaker":"Miller","startTime":533.4749989999999,"endTime":533.6249989999999,"body":"We're"},{"speaker":"Miller","startTime":533.6249999999999,"endTime":533.8349999999999,"body":"not"},{"speaker":"Miller","startTime":533.8349999999999,"endTime":533.9649999999999,"body":"going"},{"speaker":"Miller","startTime":533.9649999999999,"endTime":534.0249999999999,"body":"to"},{"speaker":"Miller","startTime":534.045,"endTime":534.6249999999999,"body":"consider"},{"speaker":"Miller","startTime":534.6249999999999,"endTime":534.785,"body":"that"},{"speaker":"Miller","startTime":534.785,"endTime":535.4949999999999,"body":"accrediting"},{"speaker":"Miller","startTime":535.5049999999999,"endTime":535.7349999999999,"body":"with"},{"speaker":"Miller","startTime":535.7549999999999,"endTime":535.9049999999999,"body":"2"},{"speaker":"Miller","startTime":535.9049999999999,"endTime":536.295,"body":"percent"},{"speaker":"Miller","startTime":536.295,"endTime":536.795,"body":"operating"},{"speaker":"Miller","startTime":536.795,"endTime":537.415,"body":"expenses"},{"speaker":"Miller","startTime":537.415,"endTime":537.545,"body":"can"},{"speaker":"Miller","startTime":537.545,"endTime":537.9449999999999,"body":"accept"},{"speaker":"Miller","startTime":537.9449999999999,"endTime":537.9849999999999,"body":"a"},{"speaker":"Miller","startTime":537.9849999999999,"endTime":538.1949999999999,"body":"lot"},{"speaker":"Miller","startTime":538.1949999999999,"endTime":538.4549999999999,"body":"more"},{"speaker":"Miller","startTime":538.9049989999999,"endTime":539.3449989999999,"body":"interest"},{"speaker":"Miller","startTime":539.3449989999999,"endTime":539.564999,"body":"rate"},{"speaker":"Miller","startTime":539.5650009999999,"endTime":539.8250009999999,"body":"risk"},{"speaker":"Miller","startTime":539.8449989999999,"endTime":540.044999,"body":"than"},{"speaker":"Miller","startTime":540.045,"endTime":540.6749994999999,"body":"accrediting"},{"speaker":"Miller","startTime":540.6749994999999,"endTime":540.7049989999999,"body":"with,"},{"speaker":"Miller","startTime":540.7049999999999,"endTime":540.9849999999999,"body":"say,"},{"speaker":"Miller","startTime":540.9949999999999,"endTime":541.035,"body":"2"},{"speaker":"Miller","startTime":541.06,"endTime":541.2999999999998,"body":"4"},{"speaker":"Miller","startTime":541.31,"endTime":541.6699999999998,"body":"percent"},{"speaker":"Miller","startTime":541.7199999999999,"endTime":542.3799999999999,"body":"operating"},{"speaker":"Miller","startTime":542.3799999999999,"endTime":543.18,"body":"expenses."},{"speaker":"Miller","startTime":543.5799999999999,"endTime":544.0099999999999,"body":"So"},{"speaker":"Miller","startTime":544.06,"endTime":544.3999999999999,"body":"from"},{"speaker":"Miller","startTime":544.3999999999999,"endTime":544.7199999999999,"body":"that"},{"speaker":"Miller","startTime":544.7199999999999,"endTime":545.0299999999999,"body":"one"},{"speaker":"Miller","startTime":545.0499999999998,"endTime":545.7199999999999,"body":"aspect,"},{"speaker":"Miller","startTime":545.7399999999999,"endTime":546.0699999999999,"body":"this"},{"speaker":"Miller","startTime":546.0799999999999,"endTime":546.5199999999999,"body":"bright"},{"speaker":"Miller","startTime":546.5199999999999,"endTime":546.8999999999999,"body":"line"},{"speaker":"Miller","startTime":546.8999999999999,"endTime":547.0899999999999,"body":"that"},{"speaker":"Miller","startTime":547.0899999999999,"endTime":547.2399999999999,"body":"they"},{"speaker":"Miller","startTime":547.2399999999999,"endTime":547.8299999999999,"body":"created"},{"speaker":"Miller","startTime":547.8299999999999,"endTime":547.9799999999999,"body":"in"},{"speaker":"Miller","startTime":547.9799999999999,"endTime":549.0199999999999,"body":"2016"},{"speaker":"Miller","startTime":549.4599999999999,"endTime":549.7399999999999,"body":"was"},{"speaker":"Miller","startTime":549.769999,"endTime":550.8399989999999,"body":"actually"},{"speaker":"Miller","startTime":550.8499989999999,"endTime":551.149999,"body":"not"},{"speaker":"Miller","startTime":551.15,"endTime":551.41,"body":"really"},{"speaker":"Miller","startTime":551.41,"endTime":551.9999999999999,"body":"consistent"},{"speaker":"Miller","startTime":551.9999999999999,"endTime":552.15,"body":"with"},{"speaker":"Miller","startTime":552.15,"endTime":552.2499999999999,"body":"the"},{"speaker":"Miller","startTime":552.2499999999999,"endTime":552.4999999999999,"body":"rest"},{"speaker":"Miller","startTime":552.4999999999999,"endTime":552.6099999999999,"body":"of"},{"speaker":"Miller","startTime":552.6099999999999,"endTime":552.8,"body":"their"},{"speaker":"Miller","startTime":552.8,"endTime":553.18,"body":"exam"},{"speaker":"Miller","startTime":553.18,"endTime":553.4799995,"body":"guide"},{"speaker":"Miller","startTime":553.4799995,"endTime":553.6199989999999,"body":"and"},{"speaker":"Miller","startTime":553.6199999999999,"endTime":553.6899994999999,"body":"the"},{"speaker":"Miller","startTime":553.6899994999999,"endTime":553.939999,"body":"rest"},{"speaker":"Miller","startTime":553.939999,"endTime":554.039999,"body":"of"},{"speaker":"Miller","startTime":554.04,"endTime":554.2099999999999,"body":"their"},{"speaker":"Miller","startTime":554.2499999999999,"endTime":554.9899999999999,"body":"processes."},{"speaker":"Miller","startTime":555.54,"endTime":555.8499995,"body":"And"},{"speaker":"Miller","startTime":555.8499995,"endTime":555.989999,"body":"when"},{"speaker":"Miller","startTime":555.99,"endTime":556.34,"body":"you"},{"speaker":"Miller","startTime":556.349999,"endTime":556.889999,"body":"really"},{"speaker":"Miller","startTime":556.92,"endTime":557.15,"body":"come"},{"speaker":"Miller","startTime":557.15,"endTime":557.47,"body":"down"},{"speaker":"Miller","startTime":557.47,"endTime":557.65,"body":"to"},{"speaker":"Miller","startTime":557.650001,"endTime":557.860001,"body":"this"},{"speaker":"Miller","startTime":557.87,"endTime":558.37,"body":"program"},{"speaker":"Miller","startTime":558.38,"endTime":558.81,"body":"update"},{"speaker":"Miller","startTime":558.8199989999999,"endTime":558.989999,"body":"in"},{"speaker":"Miller","startTime":558.989999,"endTime":559.229999,"body":"this"},{"speaker":"Miller","startTime":559.23,"endTime":559.4099995,"body":"new"},{"speaker":"Miller","startTime":559.4099995,"endTime":559.919999,"body":"issuance"},{"speaker":"Miller","startTime":559.9599999999999,"endTime":560.17,"body":"that"},{"speaker":"Miller","startTime":560.17,"endTime":560.34,"body":"they"},{"speaker":"Miller","startTime":560.34,"endTime":560.8299999999999,"body":"issued"},{"speaker":"Miller","startTime":561.14,"endTime":561.47,"body":"here"},{"speaker":"Miller","startTime":561.47,"endTime":561.8299999999999,"body":"last"},{"speaker":"Miller","startTime":561.8299999999999,"endTime":562.1,"body":"month,"},{"speaker":"Miller","startTime":562.1,"endTime":562.23,"body":"and"},{"speaker":"Miller","startTime":562.23,"endTime":562.36,"body":"that"},{"speaker":"Miller","startTime":562.36,"endTime":562.48,"body":"we"},{"speaker":"Miller","startTime":562.48,"endTime":562.7099999999999,"body":"talked"},{"speaker":"Miller","startTime":562.72,"endTime":562.98,"body":"about"},{"speaker":"Miller","startTime":562.98,"endTime":563.34,"body":"today,"},{"speaker":"Miller","startTime":563.51,"endTime":563.66,"body":"they"},{"speaker":"Miller","startTime":563.66,"endTime":563.91,"body":"really"},{"speaker":"Miller","startTime":563.91,"endTime":564.11,"body":"just"},{"speaker":"Miller","startTime":564.11,"endTime":564.41,"body":"fix"},{"speaker":"Miller","startTime":564.41,"endTime":564.53,"body":"that."},{"speaker":"Miller","startTime":565.0949999999999,"endTime":565.925,"body":"And"},{"speaker":"Miller","startTime":566.4549999999999,"endTime":566.8149999999999,"body":"really"},{"speaker":"Miller","startTime":566.8149999999999,"endTime":567.105,"body":"brought"},{"speaker":"Miller","startTime":567.105,"endTime":567.1949999999999,"body":"the"},{"speaker":"Miller","startTime":567.1949999999999,"endTime":567.555,"body":"world"},{"speaker":"Miller","startTime":567.555,"endTime":567.8149999999999,"body":"back"},{"speaker":"Miller","startTime":567.8349999999999,"endTime":568.305,"body":"to"},{"speaker":"Miller","startTime":568.3149999999999,"endTime":568.615,"body":"let's"},{"speaker":"Miller","startTime":568.635,"endTime":568.8349999999999,"body":"be"},{"speaker":"Miller","startTime":568.8349999999999,"endTime":569.045,"body":"more"},{"speaker":"Miller","startTime":569.045,"endTime":569.655,"body":"consistent"},{"speaker":"Miller","startTime":569.655,"endTime":569.855,"body":"with"},{"speaker":"Miller","startTime":569.875,"endTime":569.985,"body":"the"},{"speaker":"Miller","startTime":569.985,"endTime":570.275,"body":"way"},{"speaker":"Miller","startTime":570.275,"endTime":570.515,"body":"we"},{"speaker":"Miller","startTime":570.515,"endTime":571.2149999999999,"body":"evaluate"},{"speaker":"Miller","startTime":571.255,"endTime":571.435,"body":"all"},{"speaker":"Miller","startTime":571.435,"endTime":571.615,"body":"these"},{"speaker":"Miller","startTime":571.615,"endTime":571.8249999999999,"body":"other"},{"speaker":"Miller","startTime":571.8249999999999,"endTime":572.055,"body":"risk"},{"speaker":"Miller","startTime":572.105,"endTime":572.605,"body":"areas."},{"speaker":"Miller","startTime":573.055,"endTime":573.245,"body":"We"},{"speaker":"Miller","startTime":573.245,"endTime":573.5949995,"body":"do"},{"speaker":"Miller","startTime":573.5949995,"endTime":574.3449989999999,"body":"evaluate"},{"speaker":"Miller","startTime":574.3449989999999,"endTime":574.7149989999999,"body":"risk"},{"speaker":"Miller","startTime":574.725,"endTime":574.995,"body":"in"},{"speaker":"Miller","startTime":574.995,"endTime":575.305,"body":"light"},{"speaker":"Miller","startTime":575.305,"endTime":575.435,"body":"of"},{"speaker":"Miller","startTime":575.504999,"endTime":575.784999,"body":"other"},{"speaker":"Miller","startTime":575.785,"endTime":576.0749999999999,"body":"risk"},{"speaker":"Miller","startTime":576.0749999999999,"endTime":576.525,"body":"areas."},{"speaker":"Miller","startTime":576.535,"endTime":576.795,"body":"We"},{"speaker":"Miller","startTime":576.8149999999999,"endTime":577.125,"body":"are"},{"speaker":"Miller","startTime":577.125,"endTime":577.4649995,"body":"going"},{"speaker":"Miller","startTime":577.4649995,"endTime":577.784999,"body":"to"},{"speaker":"Miller","startTime":577.794999,"endTime":578.374999,"body":"allow"},{"speaker":"Miller","startTime":578.405,"endTime":578.495,"body":"a"},{"speaker":"Miller","startTime":578.495,"endTime":579.035,"body":"measure"},{"speaker":"Miller","startTime":579.035,"endTime":579.2049999999999,"body":"of"},{"speaker":"Miller","startTime":579.375,"endTime":580.0749999999999,"body":"examiner"},{"speaker":"Miller","startTime":580.0749999999999,"endTime":580.785,"body":"judgment."},{"speaker":"Miller","startTime":581.1449989999999,"endTime":581.3449989999999,"body":"We"},{"speaker":"Miller","startTime":581.3449999999999,"endTime":581.5149999999999,"body":"are"},{"speaker":"Miller","startTime":581.5149999999999,"endTime":581.8149999999999,"body":"going"},{"speaker":"Miller","startTime":581.8249989999999,"endTime":581.9649989999999,"body":"to"},{"speaker":"Miller","startTime":581.9649999999999,"endTime":582.175,"body":"go"},{"speaker":"Miller","startTime":582.185,"endTime":582.5249999999999,"body":"back"},{"speaker":"Miller","startTime":582.555001,"endTime":582.8149999999999,"body":"where"},{"speaker":"Miller","startTime":582.8149999999999,"endTime":583.0749989999999,"body":"this"},{"speaker":"Miller","startTime":583.0849989999999,"endTime":583.4549989999999,"body":"test"},{"speaker":"Miller","startTime":583.4649999999999,"endTime":583.6249999999999,"body":"they"},{"speaker":"Miller","startTime":583.6249999999999,"endTime":583.9549999999999,"body":"use,"},{"speaker":"Miller","startTime":583.9549999999999,"endTime":584.0849999999999,"body":"and"},{"speaker":"Miller","startTime":584.0849999999999,"endTime":584.1949999999999,"body":"they're"},{"speaker":"Miller","startTime":584.1949999999999,"endTime":584.4449999999999,"body":"still"},{"speaker":"Miller","startTime":584.4449999999999,"endTime":584.5649999999999,"body":"going"},{"speaker":"Miller","startTime":584.5649999999999,"endTime":584.6349999999999,"body":"to"},{"speaker":"Miller","startTime":584.6349999999999,"endTime":584.9149999999998,"body":"use"},{"speaker":"Miller","startTime":584.9149999999998,"endTime":585.0249999999999,"body":"the"},{"speaker":"Miller","startTime":585.0249999999999,"endTime":585.3849999999999,"body":"test"},{"speaker":"Miller","startTime":585.8349999999999,"endTime":586.0249999999999,"body":"is"},{"speaker":"Miller","startTime":586.0249999999999,"endTime":586.1149999999999,"body":"a"},{"speaker":"Miller","startTime":586.1149999999999,"endTime":586.435,"body":"scope"},{"speaker":"Miller","startTime":586.4749999999999,"endTime":586.6049999999999,"body":"determinant"},{"speaker":"Miller","startTime":587.1549999999999,"endTime":587.2849999999999,"body":"and"},{"speaker":"Miller","startTime":587.2849999999999,"endTime":587.3749999999999,"body":"it"},{"speaker":"Miller","startTime":587.3949999999999,"endTime":587.675,"body":"helps"},{"speaker":"Miller","startTime":587.675,"endTime":588.0149999999999,"body":"them"},{"speaker":"Miller","startTime":588.185,"endTime":588.5049999999999,"body":"find"},{"speaker":"Miller","startTime":588.5149999999999,"endTime":589.1049999999999,"body":"outliers."},{"speaker":"Miller","startTime":589.1149999999999,"endTime":589.3649999999999,"body":"So"},{"speaker":"Miller","startTime":589.4149999999998,"endTime":589.5749999999999,"body":"it's"},{"speaker":"Miller","startTime":589.5749999999999,"endTime":589.9449999999999,"body":"still"},{"speaker":"Miller","startTime":589.9449999999999,"endTime":590.435,"body":"useful"},{"speaker":"Miller","startTime":590.4549999999999,"endTime":590.5949999999999,"body":"for"},{"speaker":"Miller","startTime":590.5949999999999,"endTime":590.9649999999999,"body":"that."},{"speaker":"Miller","startTime":590.9849999999999,"endTime":591.1749994999999,"body":"They're"},{"speaker":"Miller","startTime":591.1749994999999,"endTime":591.4849989999999,"body":"going"},{"speaker":"Miller","startTime":591.4849999999999,"endTime":591.6249999999999,"body":"to"},{"speaker":"Miller","startTime":591.6249999999999,"endTime":591.9249994999999,"body":"use"},{"speaker":"Miller","startTime":591.9249994999999,"endTime":592.0549989999998,"body":"it"},{"speaker":"Miller","startTime":592.0749999999999,"endTime":592.2449999999999,"body":"for"},{"speaker":"Miller","startTime":592.2449999999999,"endTime":592.6949999999999,"body":"that."},{"speaker":"Miller","startTime":592.8349989999999,"endTime":593.304999,"body":"That's."},{"speaker":"Miller","startTime":593.6499999999999,"endTime":593.9599999999999,"body":"more"},{"speaker":"Miller","startTime":593.9599999999999,"endTime":594.6499999999999,"body":"consistent"},{"speaker":"Miller","startTime":594.6599999999999,"endTime":594.9599999999999,"body":"with"},{"speaker":"Miller","startTime":595.0899999999999,"endTime":595.2499999999999,"body":"the"},{"speaker":"Miller","startTime":595.2499999999999,"endTime":595.4999999999999,"body":"way"},{"speaker":"Miller","startTime":595.4999999999999,"endTime":595.7299999999999,"body":"they"},{"speaker":"Miller","startTime":595.7299999999999,"endTime":596.2399999999999,"body":"examine"},{"speaker":"Miller","startTime":596.2399999999999,"endTime":596.4199999999998,"body":"all"},{"speaker":"Miller","startTime":596.4299999999998,"endTime":596.5699999999999,"body":"the"},{"speaker":"Miller","startTime":596.5699999999999,"endTime":596.81,"body":"other"},{"speaker":"Miller","startTime":596.8399999999999,"endTime":597.2699999999999,"body":"areas"},{"speaker":"Miller","startTime":597.2799999999999,"endTime":597.4399999999999,"body":"of"},{"speaker":"Miller","startTime":597.4399999999999,"endTime":597.8199999999999,"body":"risk."},{"speaker":"Miller","startTime":597.8199999999999,"endTime":598.1699999999998,"body":"So"},{"speaker":"Miller","startTime":598.7599999999999,"endTime":598.9299999999998,"body":"in"},{"speaker":"Miller","startTime":598.9299999999998,"endTime":599.0199999999999,"body":"the"},{"speaker":"Miller","startTime":599.0199999999999,"endTime":599.3399999999999,"body":"big"},{"speaker":"Miller","startTime":599.3399999999999,"endTime":599.5999999999999,"body":"scheme"},{"speaker":"Miller","startTime":599.5999999999999,"endTime":599.7099999999999,"body":"of"},{"speaker":"Miller","startTime":599.7099999999999,"endTime":600.06,"body":"things,"},{"speaker":"Miller","startTime":600.06,"endTime":600.1199999999999,"body":"I"},{"speaker":"Miller","startTime":600.1199999999999,"endTime":600.2799999999999,"body":"would"},{"speaker":"Miller","startTime":600.2799999999999,"endTime":600.4099999999999,"body":"just"},{"speaker":"Miller","startTime":600.4099999999999,"endTime":600.6399999999999,"body":"say"},{"speaker":"Miller","startTime":600.6799999999998,"endTime":600.9799999999999,"body":"they're"},{"speaker":"Miller","startTime":600.9999999999999,"endTime":601.3699999999999,"body":"maybe"},{"speaker":"Miller","startTime":601.4099999999999,"endTime":601.8399999999999,"body":"fixing"},{"speaker":"Miller","startTime":601.8399999999999,"endTime":601.9099999999999,"body":"a"},{"speaker":"Miller","startTime":601.9099999999999,"endTime":602.3799999999999,"body":"mistake"},{"speaker":"Miller","startTime":602.4299989999998,"endTime":602.5899989999999,"body":"they"},{"speaker":"Miller","startTime":602.5899999999999,"endTime":602.81,"body":"made"},{"speaker":"Miller","startTime":602.81,"endTime":603.0299999999999,"body":"in"},{"speaker":"Miller","startTime":603.0299999999999,"endTime":603.9599999999999,"body":"2016."},{"speaker":"Miller","startTime":604.0199999999999,"endTime":604.2499999999999,"body":"Other"},{"speaker":"Miller","startTime":604.2499999999999,"endTime":604.5299999999999,"body":"people"},{"speaker":"Miller","startTime":604.5299999999999,"endTime":604.7399999999999,"body":"might"},{"speaker":"Miller","startTime":604.7399999999999,"endTime":604.9999999999999,"body":"not"},{"speaker":"Miller","startTime":605.6399999999999,"endTime":606.4699999999999,"body":"categorize"},{"speaker":"Miller","startTime":606.5399989999999,"endTime":606.6399989999999,"body":"it"},{"speaker":"Miller","startTime":606.6399999999999,"endTime":606.8999999999999,"body":"like"},{"speaker":"Miller","startTime":606.8999999999999,"endTime":607.2699999999999,"body":"that,"},{"speaker":"Miller","startTime":607.2799999999999,"endTime":607.6999999999998,"body":"but"},{"speaker":"Miller","startTime":607.7499989999999,"endTime":607.9599989999998,"body":"the"},{"speaker":"Miller","startTime":607.9599989999998,"endTime":608.4299989999998,"body":"reality"},{"speaker":"Miller","startTime":608.4299999999998,"endTime":608.5899999999999,"body":"is"},{"speaker":"Miller","startTime":608.5999999999999,"endTime":608.8099999999998,"body":"that"},{"speaker":"Miller","startTime":608.8099999999998,"endTime":609.3199999999998,"body":"policy"},{"speaker":"Miller","startTime":609.3199999999998,"endTime":609.4899994999998,"body":"has"},{"speaker":"Miller","startTime":609.4899994999998,"endTime":609.8299989999998,"body":"cost"},{"speaker":"Miller","startTime":609.8299999999998,"endTime":609.8999999999999,"body":"a"},{"speaker":"Miller","startTime":609.8999999999999,"endTime":610.2399999999999,"body":"lot"},{"speaker":"Miller","startTime":610.2399999999999,"endTime":610.3799999999999,"body":"of"},{"speaker":"Miller","startTime":610.4799999999999,"endTime":610.7299999999999,"body":"angst"},{"speaker":"Miller","startTime":610.7699989999999,"endTime":610.9499989999998,"body":"for"},{"speaker":"Miller","startTime":610.9499989999998,"endTime":611.0299989999999,"body":"a"},{"speaker":"Miller","startTime":611.0299989999999,"endTime":611.2299989999999,"body":"lot"},{"speaker":"Miller","startTime":611.2299999999999,"endTime":611.3199999999998,"body":"of"},{"speaker":"Miller","startTime":611.3199999999998,"endTime":611.6499999999999,"body":"credit"},{"speaker":"Miller","startTime":611.6499999999999,"endTime":611.9099999999999,"body":"unions"},{"speaker":"Miller","startTime":611.9099999999999,"endTime":612.2599999999999,"body":"here"},{"speaker":"Miller","startTime":612.2799989999999,"endTime":612.5199989999999,"body":"this"},{"speaker":"Miller","startTime":612.5200989999998,"endTime":612.9698999999998,"body":"year."},{"speaker":"Treichel","startTime":613.41,"endTime":613.6199999999999,"body":"Yeah,"},{"speaker":"Treichel","startTime":613.6199999999999,"endTime":613.81,"body":"it"},{"speaker":"Treichel","startTime":613.81,"endTime":614.04,"body":"sure"},{"speaker":"Treichel","startTime":614.04,"endTime":614.3999999999999,"body":"has."},{"speaker":"Treichel","startTime":614.3999999999999,"endTime":614.54,"body":"And"},{"speaker":"Treichel","startTime":614.9499999999999,"endTime":615.05,"body":"I"},{"speaker":"Treichel","startTime":615.05,"endTime":615.4399999999999,"body":"think"},{"speaker":"Treichel","startTime":615.4999999999999,"endTime":615.7699999999999,"body":"it"},{"speaker":"Treichel","startTime":615.9999999999999,"endTime":616.3,"body":"went"},{"speaker":"Treichel","startTime":616.31,"endTime":616.9999999999999,"body":"unnoticed"},{"speaker":"Treichel","startTime":617.49,"endTime":617.9399999999999,"body":"until"},{"speaker":"Treichel","startTime":617.9399999999999,"endTime":618.22,"body":"rates"},{"speaker":"Treichel","startTime":618.22,"endTime":618.43,"body":"went"},{"speaker":"Treichel","startTime":618.43,"endTime":618.68,"body":"up,"},{"speaker":"Treichel","startTime":618.68,"endTime":618.9399999999999,"body":"right?"},{"speaker":"Treichel","startTime":618.9399999999999,"endTime":619.06,"body":"We"},{"speaker":"Treichel","startTime":619.06,"endTime":619.28,"body":"didn't"},{"speaker":"Treichel","startTime":619.28,"endTime":619.4599999999999,"body":"have"},{"speaker":"Treichel","startTime":619.4599999999999,"endTime":619.53,"body":"a"},{"speaker":"Treichel","startTime":619.53,"endTime":620.3199999999999,"body":"situation"},{"speaker":"Treichel","startTime":620.7099999999999,"endTime":621.01,"body":"where"},{"speaker":"Treichel","startTime":621.05,"endTime":621.22,"body":"we"},{"speaker":"Treichel","startTime":621.22,"endTime":621.4399999999999,"body":"saw"},{"speaker":"Treichel","startTime":621.4399999999999,"endTime":621.55,"body":"the"},{"speaker":"Treichel","startTime":621.55,"endTime":621.9399999999999,"body":"results"},{"speaker":"Treichel","startTime":621.9399999999999,"endTime":622.0799995,"body":"of"},{"speaker":"Treichel","startTime":622.0799995,"endTime":622.239999,"body":"what"},{"speaker":"Treichel","startTime":622.24,"endTime":622.3199999999999,"body":"it"},{"speaker":"Treichel","startTime":622.3199999999999,"endTime":622.47,"body":"was"},{"speaker":"Treichel","startTime":622.47,"endTime":622.8,"body":"doing"},{"speaker":"Treichel","startTime":622.8,"endTime":622.9499999999999,"body":"where"},{"speaker":"Treichel","startTime":622.9499999999999,"endTime":623.39,"body":"everybody"},{"speaker":"Treichel","startTime":623.39,"endTime":623.5699999999999,"body":"was"},{"speaker":"Treichel","startTime":623.5699999999999,"endTime":623.86,"body":"getting"},{"speaker":"Treichel","startTime":623.86,"endTime":624.17,"body":"rated"},{"speaker":"Treichel","startTime":624.17,"endTime":624.6899999999999,"body":"extreme."},{"speaker":"Treichel","startTime":624.6899999999999,"endTime":624.92,"body":"And"},{"speaker":"Treichel","startTime":625.15,"endTime":625.4,"body":"if"},{"speaker":"Treichel","startTime":625.4,"endTime":625.4999995,"body":"you"},{"speaker":"Treichel","startTime":625.4999995,"endTime":625.629999,"body":"were"},{"speaker":"Treichel","startTime":625.63,"endTime":626.11,"body":"extreme,"},{"speaker":"Treichel","startTime":626.119999,"endTime":626.249999,"body":"you"},{"speaker":"Treichel","startTime":626.26,"endTime":626.9399999999999,"body":"automatically"},{"speaker":"Treichel","startTime":626.9499989999999,"endTime":627.169999,"body":"had"},{"speaker":"Treichel","startTime":627.17,"endTime":627.24,"body":"to"},{"speaker":"Treichel","startTime":627.24,"endTime":627.39,"body":"get"},{"speaker":"Treichel","startTime":627.39,"endTime":627.4399999999999,"body":"a"},{"speaker":"Treichel","startTime":627.4399999999999,"endTime":627.8,"body":"document"},{"speaker":"Treichel","startTime":627.81,"endTime":628.43,"body":"resolution."},{"speaker":"Treichel","startTime":628.43,"endTime":628.52,"body":"And"},{"speaker":"Treichel","startTime":628.52,"endTime":628.6899999999999,"body":"as"},{"speaker":"Treichel","startTime":628.6899999999999,"endTime":628.88,"body":"you've"},{"speaker":"Treichel","startTime":628.88,"endTime":629.2099999999999,"body":"so"},{"speaker":"Treichel","startTime":629.22,"endTime":629.72,"body":"eloquently"},{"speaker":"Treichel","startTime":629.72,"endTime":630.05,"body":"said,"},{"speaker":"Treichel","startTime":630.779999,"endTime":631.469999,"body":"examiner"},{"speaker":"Treichel","startTime":631.47,"endTime":632.08,"body":"judgment."},{"speaker":"Treichel","startTime":632.805,"endTime":633.025,"body":"In"},{"speaker":"Treichel","startTime":633.0849999999999,"endTime":633.495,"body":"every"},{"speaker":"Treichel","startTime":633.495,"endTime":633.765,"body":"other"},{"speaker":"Treichel","startTime":633.765,"endTime":634.3249999999999,"body":"area"},{"speaker":"Treichel","startTime":634.4549999999999,"endTime":635.005,"body":"determines"},{"speaker":"Treichel","startTime":635.015,"endTime":635.275,"body":"whether"},{"speaker":"Treichel","startTime":635.275,"endTime":635.3349999999999,"body":"or"},{"speaker":"Treichel","startTime":635.3349999999999,"endTime":635.5749999999999,"body":"not"},{"speaker":"Treichel","startTime":635.5749999999999,"endTime":635.685,"body":"you"},{"speaker":"Treichel","startTime":635.685,"endTime":635.845,"body":"get"},{"speaker":"Treichel","startTime":635.845,"endTime":635.885,"body":"a"},{"speaker":"Treichel","startTime":635.885,"endTime":636.225,"body":"document"},{"speaker":"Treichel","startTime":636.235,"endTime":636.905,"body":"resolution,"},{"speaker":"Treichel","startTime":636.905,"endTime":637.115,"body":"whether"},{"speaker":"Treichel","startTime":637.115,"endTime":637.255,"body":"you"},{"speaker":"Treichel","startTime":637.255,"endTime":637.425,"body":"get"},{"speaker":"Treichel","startTime":637.425,"endTime":637.505,"body":"an"},{"speaker":"Treichel","startTime":637.505,"endTime":637.995,"body":"examiner,"},{"speaker":"Treichel","startTime":637.995,"endTime":638.3149999999999,"body":"funny,"},{"speaker":"Treichel","startTime":638.545,"endTime":638.715,"body":"let"},{"speaker":"Treichel","startTime":638.715,"endTime":638.8149999999999,"body":"me"},{"speaker":"Treichel","startTime":638.8249999999999,"endTime":639.0749999999999,"body":"back"},{"speaker":"Treichel","startTime":639.0849999999999,"endTime":639.255,"body":"up"},{"speaker":"Treichel","startTime":639.365,"endTime":639.785,"body":"setting"},{"speaker":"Treichel","startTime":639.785,"endTime":640.155,"body":"aside"},{"speaker":"Treichel","startTime":640.185,"endTime":640.4449999999999,"body":"bank"},{"speaker":"Treichel","startTime":640.4549999999999,"endTime":640.905,"body":"secrecy"},{"speaker":"Treichel","startTime":640.905,"endTime":641.1649995,"body":"act,"},{"speaker":"Treichel","startTime":641.1649995,"endTime":641.424999,"body":"where"},{"speaker":"Treichel","startTime":641.425,"endTime":641.595,"body":"there"},{"speaker":"Treichel","startTime":641.595,"endTime":641.775,"body":"are"},{"speaker":"Treichel","startTime":641.775,"endTime":641.975,"body":"some"},{"speaker":"Treichel","startTime":641.975,"endTime":642.505,"body":"required"},{"speaker":"Treichel","startTime":642.535,"endTime":642.925,"body":"document"},{"speaker":"Treichel","startTime":642.925,"endTime":643.515,"body":"resolutions"},{"speaker":"Treichel","startTime":643.515,"endTime":643.6649995,"body":"and"},{"speaker":"Treichel","startTime":643.6649995,"endTime":643.904999,"body":"things"},{"speaker":"Treichel","startTime":643.905,"endTime":644.0749999999999,"body":"like"},{"speaker":"Treichel","startTime":644.0749999999999,"endTime":644.305,"body":"that,"},{"speaker":"Treichel","startTime":644.305,"endTime":644.5849995,"body":"based"},{"speaker":"Treichel","startTime":644.5849995,"endTime":644.7049989999999,"body":"on"},{"speaker":"Treichel","startTime":644.7049989999999,"endTime":645.124999,"body":"agreements"},{"speaker":"Treichel","startTime":645.124999,"endTime":645.284999,"body":"with"},{"speaker":"Treichel","startTime":645.284999,"endTime":645.524999,"body":"other"},{"speaker":"Treichel","startTime":645.525,"endTime":646.105,"body":"agencies,"},{"speaker":"Treichel","startTime":646.145,"endTime":646.395,"body":"this"},{"speaker":"Treichel","startTime":646.405,"endTime":646.8349995,"body":"really"},{"speaker":"Treichel","startTime":646.8349995,"endTime":647.424999,"body":"gets"},{"speaker":"Treichel","startTime":647.545,"endTime":647.935,"body":"this"},{"speaker":"Treichel","startTime":647.9449999999999,"endTime":648.365,"body":"whole"},{"speaker":"Treichel","startTime":648.395,"endTime":648.765,"body":"interest"},{"speaker":"Treichel","startTime":648.765,"endTime":649.005,"body":"rate"},{"speaker":"Treichel","startTime":649.005,"endTime":649.415,"body":"risk"},{"speaker":"Treichel","startTime":649.795001,"endTime":650.305001,"body":"topic"},{"speaker":"Treichel","startTime":650.3249989999999,"endTime":650.6149989999999,"body":"more"},{"speaker":"Treichel","startTime":650.6249999999999,"endTime":651.1449999999999,"body":"aligned"},{"speaker":"Treichel","startTime":651.1949999999999,"endTime":651.425,"body":"with"},{"speaker":"Treichel","startTime":651.425,"endTime":651.5449994999999,"body":"the"},{"speaker":"Treichel","startTime":651.5449994999999,"endTime":651.8749989999999,"body":"rest"},{"speaker":"Treichel","startTime":651.8749999999999,"endTime":652.0349999999999,"body":"of"},{"speaker":"Treichel","startTime":652.0349999999999,"endTime":652.2149999999999,"body":"their"},{"speaker":"Treichel","startTime":652.2749999999999,"endTime":652.6049999999999,"body":"exam"},{"speaker":"Treichel","startTime":652.6049999999999,"endTime":653.2049999999999,"body":"program,"},{"speaker":"Treichel","startTime":653.2149999999999,"endTime":653.6049999999999,"body":"which."},{"speaker":"Treichel","startTime":653.9549999999999,"endTime":654.395,"body":"Again,"},{"speaker":"Treichel","startTime":654.425,"endTime":654.7049999999999,"body":"comes"},{"speaker":"Treichel","startTime":654.7049999999999,"endTime":655.0749999999999,"body":"back"},{"speaker":"Treichel","startTime":655.505,"endTime":655.6650000000001,"body":"to"},{"speaker":"Treichel","startTime":655.6650000000001,"endTime":656.265,"body":"examiner"},{"speaker":"Treichel","startTime":656.265,"endTime":656.825,"body":"judgment."},{"speaker":"Treichel","startTime":656.855,"endTime":657.0350000000001,"body":"Todd,"},{"speaker":"Treichel","startTime":657.085,"endTime":657.2950000000001,"body":"one"},{"speaker":"Treichel","startTime":657.2950000000001,"endTime":657.465,"body":"other"},{"speaker":"Treichel","startTime":657.465,"endTime":657.655,"body":"thing"},{"speaker":"Treichel","startTime":657.6650000000001,"endTime":657.8050000000001,"body":"you"},{"speaker":"Treichel","startTime":657.8050000000001,"endTime":658.205,"body":"mentioned"},{"speaker":"Treichel","startTime":658.205,"endTime":658.465,"body":"is,"},{"speaker":"Treichel","startTime":658.475,"endTime":658.605,"body":"if"},{"speaker":"Treichel","startTime":658.605,"endTime":658.995,"body":"someone,"},{"speaker":"Treichel","startTime":659.3050000000001,"endTime":659.525,"body":"if"},{"speaker":"Treichel","startTime":659.525,"endTime":659.855,"body":"the,"},{"speaker":"Treichel","startTime":659.985,"endTime":660.1850000000001,"body":"if"},{"speaker":"Treichel","startTime":660.1850000000001,"endTime":660.495,"body":"someone"},{"speaker":"Treichel","startTime":660.495,"endTime":660.725,"body":"has"},{"speaker":"Treichel","startTime":660.725,"endTime":661.355,"body":"extremely"},{"speaker":"Treichel","startTime":661.355,"endTime":661.615,"body":"low"},{"speaker":"Treichel","startTime":661.615,"endTime":662.1750000000001,"body":"operating"},{"speaker":"Treichel","startTime":662.1750000000001,"endTime":663.025,"body":"expenses"},{"speaker":"Treichel","startTime":663.505,"endTime":664.2049999999999,"body":"or"},{"speaker":"Treichel","startTime":664.365,"endTime":665.4449999999999,"body":"extremely"},{"speaker":"Treichel","startTime":665.5749999999999,"endTime":665.895,"body":"high"},{"speaker":"Treichel","startTime":665.925,"endTime":666.1649995,"body":"net"},{"speaker":"Treichel","startTime":666.1649995,"endTime":666.654999,"body":"worth,"},{"speaker":"Treichel","startTime":666.735,"endTime":667.025,"body":"yet"},{"speaker":"Treichel","startTime":667.025,"endTime":667.185,"body":"they"},{"speaker":"Treichel","startTime":667.185,"endTime":667.465,"body":"have"},{"speaker":"Treichel","startTime":667.465,"endTime":667.6949999999999,"body":"some"},{"speaker":"Treichel","startTime":667.715,"endTime":668.1949999999999,"body":"issues"},{"speaker":"Treichel","startTime":668.2049989999999,"endTime":668.494999,"body":"with"},{"speaker":"Treichel","startTime":668.545,"endTime":669.045,"body":"their."},{"speaker":"Treichel","startTime":669.5600000000001,"endTime":669.7500000000001,"body":"Uh,"},{"speaker":"Treichel","startTime":669.7900000000001,"endTime":670.24,"body":"interest"},{"speaker":"Treichel","startTime":670.24,"endTime":670.49,"body":"rate"},{"speaker":"Treichel","startTime":670.49,"endTime":670.9000000000001,"body":"risk"},{"speaker":"Treichel","startTime":670.96,"endTime":671.7900000000001,"body":"calculation"},{"speaker":"Treichel","startTime":671.7900000000001,"endTime":672.07,"body":"here,"},{"speaker":"Treichel","startTime":672.07,"endTime":672.24,"body":"the"},{"speaker":"Treichel","startTime":672.2600000000001,"endTime":672.57,"body":"ENT"},{"speaker":"Treichel","startTime":672.57,"endTime":672.6600000000001,"body":"or"},{"speaker":"Treichel","startTime":672.6600000000001,"endTime":672.82,"body":"the"},{"speaker":"Treichel","startTime":672.82,"endTime":673.2500000000001,"body":"NEB,"},{"speaker":"Treichel","startTime":673.2600000000001,"endTime":673.7800000000001,"body":"whichever,"},{"speaker":"Treichel","startTime":673.8100000000001,"endTime":674.3800000000001,"body":"whichever,"},{"speaker":"Treichel","startTime":674.4000000000001,"endTime":674.84,"body":"whichever"},{"speaker":"Treichel","startTime":674.9300000000001,"endTime":675.22,"body":"way"},{"speaker":"Treichel","startTime":675.22,"endTime":675.4000000000001,"body":"you"},{"speaker":"Treichel","startTime":675.4100000000001,"endTime":675.6700000000001,"body":"want"},{"speaker":"Treichel","startTime":675.6700000000001,"endTime":675.7500000000001,"body":"to"},{"speaker":"Treichel","startTime":675.7700000000001,"endTime":676.0500000000001,"body":"call"},{"speaker":"Treichel","startTime":676.0500000000001,"endTime":676.21,"body":"it,"},{"speaker":"Treichel","startTime":676.44,"endTime":676.8100000000001,"body":"if"},{"speaker":"Treichel","startTime":677.17,"endTime":677.49,"body":"they"},{"speaker":"Treichel","startTime":677.5,"endTime":677.7799995,"body":"have"},{"speaker":"Treichel","startTime":677.7799995,"endTime":677.839999,"body":"a"},{"speaker":"Treichel","startTime":677.84,"endTime":678.1,"body":"lot"},{"speaker":"Treichel","startTime":678.1,"endTime":678.27,"body":"of"},{"speaker":"Treichel","startTime":678.279999,"endTime":678.599999,"body":"other"},{"speaker":"Treichel","startTime":678.62,"endTime":679.33,"body":"positives,"},{"speaker":"Treichel","startTime":679.529999,"endTime":679.809999,"body":"those"},{"speaker":"Treichel","startTime":679.81,"endTime":679.96,"body":"can"},{"speaker":"Treichel","startTime":679.96,"endTime":680.12,"body":"be"},{"speaker":"Treichel","startTime":680.13,"endTime":680.73,"body":"mitigating"},{"speaker":"Treichel","startTime":680.73,"endTime":681.49,"body":"factors"},{"speaker":"Treichel","startTime":681.55,"endTime":681.87,"body":"that"},{"speaker":"Treichel","startTime":681.87,"endTime":682.1999995,"body":"may"},{"speaker":"Treichel","startTime":682.1999995,"endTime":682.739999,"body":"result"},{"speaker":"Treichel","startTime":682.739999,"endTime":682.859999,"body":"in"},{"speaker":"Treichel","startTime":682.859999,"endTime":682.989999,"body":"the"},{"speaker":"Treichel","startTime":682.989999,"endTime":683.709999,"body":"examiner"},{"speaker":"Treichel","startTime":683.75,"endTime":684.27,"body":"using"},{"speaker":"Treichel","startTime":684.27,"endTime":684.52,"body":"that"},{"speaker":"Treichel","startTime":684.52,"endTime":685.0699999999999,"body":"judgment"},{"speaker":"Treichel","startTime":685.109999,"endTime":685.559999,"body":"and"},{"speaker":"Treichel","startTime":685.56,"endTime":686.4399999999999,"body":"concluding"},{"speaker":"Treichel","startTime":686.47,"endTime":686.6699995,"body":"that"},{"speaker":"Treichel","startTime":686.6699995,"endTime":686.759999,"body":"the"},{"speaker":"Treichel","startTime":686.759999,"endTime":687.039999,"body":"credit"},{"speaker":"Treichel","startTime":687.05,"endTime":687.54,"body":"union"},{"speaker":"Treichel","startTime":687.679999,"endTime":687.969999,"body":"does"},{"speaker":"Treichel","startTime":687.99,"endTime":688.39,"body":"not"},{"speaker":"Treichel","startTime":688.4499989999999,"endTime":688.709999,"body":"need"},{"speaker":"Treichel","startTime":688.71,"endTime":688.7599994999999,"body":"a"},{"speaker":"Treichel","startTime":688.7599994999999,"endTime":689.139999,"body":"document"},{"speaker":"Treichel","startTime":689.139999,"endTime":689.159999,"body":"of"},{"speaker":"Treichel","startTime":689.1999989999999,"endTime":689.959999,"body":"resolution."},{"speaker":"Treichel","startTime":690.029999,"endTime":690.439999,"body":"Anything"},{"speaker":"Treichel","startTime":690.439999,"endTime":690.639999,"body":"you'd"},{"speaker":"Treichel","startTime":690.639999,"endTime":690.809999,"body":"like"},{"speaker":"Treichel","startTime":690.809999,"endTime":690.919999,"body":"to"},{"speaker":"Treichel","startTime":690.919999,"endTime":691.379999,"body":"expand"},{"speaker":"Treichel","startTime":691.379999,"endTime":691.609999,"body":"on"},{"speaker":"Treichel","startTime":691.609999,"endTime":692.179999,"body":"relative"},{"speaker":"Treichel","startTime":692.180099,"endTime":692.7499,"body":"to"},{"speaker":"Treichel","startTime":692.75,"endTime":693.03,"body":"the"},{"speaker":"Treichel","startTime":693.03,"endTime":693.41,"body":"statement"},{"speaker":"Treichel","startTime":693.41,"endTime":693.5,"body":"I"},{"speaker":"Treichel","startTime":693.52,"endTime":693.71,"body":"just"},{"speaker":"Treichel","startTime":693.71,"endTime":693.99,"body":"made?"},{"speaker":"Miller","startTime":694.625,"endTime":694.7149999999999,"body":"I"},{"speaker":"Miller","startTime":694.7149999999999,"endTime":694.985,"body":"think"},{"speaker":"Miller","startTime":694.985,"endTime":695.3449999999999,"body":"that's"},{"speaker":"Miller","startTime":695.395,"endTime":696.355,"body":"absolutely"},{"speaker":"Miller","startTime":696.4449999999999,"endTime":696.545,"body":"it,"},{"speaker":"Miller","startTime":696.665,"endTime":697.1949999999999,"body":"and"},{"speaker":"Miller","startTime":697.2149999999999,"endTime":697.485,"body":"they"},{"speaker":"Miller","startTime":697.485,"endTime":698.015,"body":"alluded"},{"speaker":"Miller","startTime":698.015,"endTime":698.235,"body":"it"},{"speaker":"Miller","startTime":698.365,"endTime":698.555,"body":"to"},{"speaker":"Miller","startTime":698.555,"endTime":698.665,"body":"it"},{"speaker":"Miller","startTime":698.665,"endTime":698.675,"body":"a"},{"speaker":"Miller","startTime":698.685,"endTime":698.915,"body":"little"},{"speaker":"Miller","startTime":698.915,"endTime":699.145,"body":"bit"},{"speaker":"Miller","startTime":699.155,"endTime":699.3449999999999,"body":"in"},{"speaker":"Miller","startTime":699.3449999999999,"endTime":699.475,"body":"the"},{"speaker":"Miller","startTime":699.475,"endTime":700.0649999999999,"body":"webinar"},{"speaker":"Miller","startTime":700.0949999999999,"endTime":700.505,"body":"that"},{"speaker":"Miller","startTime":700.5849999999999,"endTime":700.765,"body":"you"},{"speaker":"Miller","startTime":700.765,"endTime":700.9449999999999,"body":"may"},{"speaker":"Miller","startTime":700.9449999999999,"endTime":701.295,"body":"still"},{"speaker":"Miller","startTime":701.3349999999999,"endTime":701.755,"body":"find"},{"speaker":"Miller","startTime":701.765,"endTime":702.295,"body":"yourself,"},{"speaker":"Miller","startTime":702.295,"endTime":702.365,"body":"a"},{"speaker":"Miller","startTime":702.365,"endTime":702.755,"body":"criterion"},{"speaker":"Miller","startTime":702.755,"endTime":702.915,"body":"may"},{"speaker":"Miller","startTime":702.915,"endTime":703.1949999999999,"body":"still"},{"speaker":"Miller","startTime":703.225,"endTime":703.4249995,"body":"find"},{"speaker":"Miller","startTime":703.4249995,"endTime":703.8349989999999,"body":"itself"},{"speaker":"Miller","startTime":704.325,"endTime":704.585,"body":"with"},{"speaker":"Miller","startTime":704.585,"endTime":704.6550000000001,"body":"a"},{"speaker":"Miller","startTime":704.6550000000001,"endTime":704.995,"body":"high"},{"speaker":"Miller","startTime":704.995,"endTime":705.3050000000001,"body":"risk"},{"speaker":"Miller","startTime":705.3050000000001,"endTime":705.6650000000001,"body":"rating"},{"speaker":"Miller","startTime":705.6650000000001,"endTime":705.8050000000001,"body":"for"},{"speaker":"Miller","startTime":705.8050000000001,"endTime":706.2249995000001,"body":"interest"},{"speaker":"Miller","startTime":706.2249995000001,"endTime":706.464999,"body":"rate"},{"speaker":"Miller","startTime":706.465,"endTime":706.755,"body":"risk"},{"speaker":"Miller","startTime":706.755,"endTime":706.835,"body":"or"},{"speaker":"Miller","startTime":706.835,"endTime":706.965,"body":"for"},{"speaker":"Miller","startTime":706.965,"endTime":707.7850000000001,"body":"sensitivity"},{"speaker":"Miller","startTime":708.1650000000001,"endTime":708.445,"body":"is"},{"speaker":"Miller","startTime":708.495,"endTime":708.615,"body":"the"},{"speaker":"Miller","startTime":708.615,"endTime":708.9349995,"body":"term"},{"speaker":"Miller","startTime":708.9349995,"endTime":709.074999,"body":"they"},{"speaker":"Miller","startTime":709.075,"endTime":709.4349995,"body":"use"},{"speaker":"Miller","startTime":709.4349995,"endTime":709.9249990000001,"body":"now,"},{"speaker":"Miller","startTime":710.1550000000001,"endTime":710.465,"body":"it's"},{"speaker":"Miller","startTime":710.465,"endTime":710.6049995000001,"body":"on"},{"speaker":"Miller","startTime":710.6049995000001,"endTime":710.724999,"body":"the"},{"speaker":"Miller","startTime":710.875,"endTime":711.525,"body":"camels."},{"speaker":"Miller","startTime":711.834999,"endTime":711.864999,"body":"But"},{"speaker":"Miller","startTime":711.875,"endTime":712.235,"body":"yes,"},{"speaker":"Miller","startTime":712.235,"endTime":712.365,"body":"you"},{"speaker":"Miller","startTime":712.365,"endTime":712.5049995,"body":"can"},{"speaker":"Miller","startTime":712.5049995,"endTime":712.744999,"body":"use"},{"speaker":"Miller","startTime":712.744999,"endTime":712.954999,"body":"these"},{"speaker":"Miller","startTime":712.955,"endTime":713.475,"body":"mitigating"},{"speaker":"Miller","startTime":713.475,"endTime":713.9050000000001,"body":"factors"},{"speaker":"Miller","startTime":713.9149990000001,"endTime":714.144999,"body":"now"},{"speaker":"Miller","startTime":714.145,"endTime":714.385,"body":"where"},{"speaker":"Miller","startTime":714.4250000000001,"endTime":714.9250000000001,"body":"perhaps"},{"speaker":"Miller","startTime":714.9250000000001,"endTime":715.075,"body":"you"},{"speaker":"Miller","startTime":715.075,"endTime":715.455,"body":"won't"},{"speaker":"Miller","startTime":715.465,"endTime":715.755,"body":"get"},{"speaker":"Miller","startTime":715.755,"endTime":715.825,"body":"a"},{"speaker":"Miller","startTime":715.825,"endTime":716.395,"body":"document"},{"speaker":"Miller","startTime":716.395,"endTime":716.465,"body":"or"},{"speaker":"Miller","startTime":716.465,"endTime":717.255,"body":"resolution."},{"speaker":"Miller","startTime":717.805,"endTime":718.315,"body":"Yeah."},{"speaker":"Miller","startTime":719.4599999999999,"endTime":719.8299999999999,"body":"We'll"},{"speaker":"Miller","startTime":719.8399999999999,"endTime":720.0999999999999,"body":"go"},{"speaker":"Miller","startTime":720.0999999999999,"endTime":720.4699999999999,"body":"through"},{"speaker":"Miller","startTime":720.4899999999999,"endTime":720.79,"body":"maybe"},{"speaker":"Miller","startTime":720.79,"endTime":720.92,"body":"the"},{"speaker":"Miller","startTime":720.92,"endTime":721.8199999999999,"body":"slides"},{"speaker":"Miller","startTime":722.3099999999998,"endTime":722.4099999999999,"body":"a"},{"speaker":"Miller","startTime":722.4099999999999,"endTime":722.7299999999999,"body":"little"},{"speaker":"Miller","startTime":722.7299999999999,"endTime":723.0099999999999,"body":"bit"},{"speaker":"Miller","startTime":723.0199999999999,"endTime":723.1799999999998,"body":"in"},{"speaker":"Miller","startTime":723.1799999999998,"endTime":723.3499999999999,"body":"their"},{"speaker":"Miller","startTime":723.3499999999999,"endTime":724.1899999999998,"body":"presentation"},{"speaker":"Miller","startTime":724.1899999999998,"endTime":724.4999999999999,"body":"and"},{"speaker":"Miller","startTime":724.4999999999999,"endTime":724.6999999999998,"body":"get"},{"speaker":"Miller","startTime":724.6999999999998,"endTime":724.8199999999998,"body":"to"},{"speaker":"Miller","startTime":724.8199999999998,"endTime":724.9199999999998,"body":"the"},{"speaker":"Miller","startTime":724.9199999999998,"endTime":725.3799999999999,"body":"document"},{"speaker":"Miller","startTime":725.3799999999999,"endTime":725.4399999999998,"body":"or"},{"speaker":"Miller","startTime":725.4399999999998,"endTime":726.0999999999999,"body":"resolution."},{"speaker":"Miller","startTime":726.1299999999999,"endTime":726.2899999999998,"body":"The"},{"speaker":"Miller","startTime":726.2899999999998,"endTime":726.7199999999999,"body":"letter"},{"speaker":"Miller","startTime":726.7199999999999,"endTime":726.9099999999999,"body":"is"},{"speaker":"Miller","startTime":726.9299999999998,"endTime":727.1899999999998,"body":"very"},{"speaker":"Miller","startTime":727.1899999999998,"endTime":727.8199999999998,"body":"specific"},{"speaker":"Miller","startTime":727.8199999999998,"endTime":727.9999999999999,"body":"as"},{"speaker":"Miller","startTime":727.9999999999999,"endTime":728.1599999999999,"body":"to"},{"speaker":"Miller","startTime":728.1799999999998,"endTime":728.4299999999998,"body":"when"},{"speaker":"Miller","startTime":728.4299999999998,"endTime":728.6399999999999,"body":"you'll"},{"speaker":"Miller","startTime":728.6399999999999,"endTime":728.8299994999999,"body":"get"},{"speaker":"Miller","startTime":728.8299994999999,"endTime":728.8399989999999,"body":"a"},{"speaker":"Miller","startTime":729.2099999999999,"endTime":729.7099999999999,"body":"document"},{"speaker":"Miller","startTime":729.7099999999999,"endTime":729.7499999999999,"body":"or"},{"speaker":"Miller","startTime":729.7499999999999,"endTime":730.5099999999999,"body":"resolution."},{"speaker":"Miller","startTime":730.9399999999998,"endTime":731.1999994999999,"body":"It's"},{"speaker":"Miller","startTime":731.1999994999999,"endTime":731.4299989999998,"body":"more"},{"speaker":"Miller","startTime":731.4299999999998,"endTime":732.0699994999999,"body":"consistent"},{"speaker":"Miller","startTime":732.0699994999999,"endTime":732.2199989999999,"body":"with"},{"speaker":"Miller","startTime":732.2599999999999,"endTime":732.4799999999999,"body":"other"},{"speaker":"Miller","startTime":732.4799999999999,"endTime":733.2399994999998,"body":"practices"},{"speaker":"Miller","startTime":733.2399994999998,"endTime":733.4599989999999,"body":"and"},{"speaker":"Miller","startTime":733.4599999999999,"endTime":733.7899999999998,"body":"that"},{"speaker":"Miller","startTime":734.0999999999999,"endTime":734.2299999999999,"body":"you're"},{"speaker":"Miller","startTime":734.2299999999999,"endTime":734.3599994999998,"body":"going"},{"speaker":"Miller","startTime":734.3599994999998,"endTime":734.4099989999999,"body":"to"},{"speaker":"Miller","startTime":734.4099989999999,"endTime":734.5699989999998,"body":"get"},{"speaker":"Miller","startTime":734.5699989999998,"endTime":734.6199989999999,"body":"a"},{"speaker":"Miller","startTime":734.6199989999999,"endTime":735.0299989999999,"body":"document"},{"speaker":"Miller","startTime":735.0299989999999,"endTime":735.1099989999999,"body":"or"},{"speaker":"Miller","startTime":735.1099989999999,"endTime":735.7599989999999,"body":"resolution"},{"speaker":"Miller","startTime":735.7599999999999,"endTime":735.9099994999999,"body":"if"},{"speaker":"Miller","startTime":735.9099994999999,"endTime":736.0699989999998,"body":"your"},{"speaker":"Miller","startTime":736.0699989999998,"endTime":736.3299989999998,"body":"risk"},{"speaker":"Miller","startTime":736.3299989999998,"endTime":736.4599989999999,"body":"is"},{"speaker":"Miller","startTime":736.4600009999999,"endTime":736.6499999999999,"body":"high"},{"speaker":"Miller","startTime":736.6499999999999,"endTime":736.9099989999999,"body":"enough"},{"speaker":"Miller","startTime":736.9099989999999,"endTime":737.0199989999999,"body":"to"},{"speaker":"Miller","startTime":737.0199999999999,"endTime":737.5799999999998,"body":"cause."},{"speaker":"Miller","startTime":738.205,"endTime":738.485,"body":"Some"},{"speaker":"Miller","startTime":738.515,"endTime":738.875,"body":"undue"},{"speaker":"Miller","startTime":738.885,"endTime":739.175,"body":"risk"},{"speaker":"Miller","startTime":739.205,"endTime":739.355,"body":"to"},{"speaker":"Miller","startTime":739.355,"endTime":739.485,"body":"the"},{"speaker":"Miller","startTime":739.485,"endTime":740.025,"body":"insurance"},{"speaker":"Miller","startTime":740.055,"endTime":740.335,"body":"fund."},{"speaker":"Miller","startTime":740.505,"endTime":740.895,"body":"Our"},{"speaker":"Miller","startTime":740.905,"endTime":741.605,"body":"management"},{"speaker":"Miller","startTime":742.215,"endTime":742.495,"body":"risk"},{"speaker":"Miller","startTime":742.515,"endTime":743.005,"body":"management"},{"speaker":"Miller","startTime":743.045,"endTime":743.745,"body":"practices"},{"speaker":"Miller","startTime":743.795,"endTime":744.005,"body":"are"},{"speaker":"Miller","startTime":744.005,"endTime":744.685,"body":"severely"},{"speaker":"Miller","startTime":745.115,"endTime":745.655,"body":"deficient."},{"speaker":"Miller","startTime":745.685,"endTime":746.335,"body":"Now"},{"speaker":"Miller","startTime":746.385,"endTime":746.595,"body":"you"},{"speaker":"Miller","startTime":746.665,"endTime":746.785,"body":"can"},{"speaker":"Miller","startTime":746.785,"endTime":747.125,"body":"have"},{"speaker":"Miller","startTime":747.125,"endTime":747.3149995,"body":"that"},{"speaker":"Miller","startTime":747.3149995,"endTime":747.784999,"body":"number,"},{"speaker":"Miller","startTime":747.814999,"endTime":747.934999,"body":"but"},{"speaker":"Miller","startTime":747.935,"endTime":748.085,"body":"if"},{"speaker":"Miller","startTime":748.085,"endTime":748.2349995,"body":"your"},{"speaker":"Miller","startTime":748.2349995,"endTime":748.414999,"body":"risk"},{"speaker":"Miller","startTime":748.435,"endTime":748.935,"body":"management"},{"speaker":"Miller","startTime":748.935,"endTime":749.6949995,"body":"processes"},{"speaker":"Miller","startTime":749.6949995,"endTime":749.844999,"body":"are"},{"speaker":"Miller","startTime":749.854999,"endTime":750.424999,"body":"good"},{"speaker":"Miller","startTime":750.705,"endTime":750.8949995,"body":"and"},{"speaker":"Miller","startTime":750.8949995,"endTime":751.024999,"body":"you"},{"speaker":"Miller","startTime":751.024999,"endTime":751.364999,"body":"have"},{"speaker":"Miller","startTime":751.375,"endTime":751.975,"body":"control"},{"speaker":"Miller","startTime":751.975,"endTime":752.155,"body":"of"},{"speaker":"Miller","startTime":752.155,"endTime":752.305,"body":"your"},{"speaker":"Miller","startTime":752.305,"endTime":752.585,"body":"risks"},{"speaker":"Miller","startTime":752.585,"endTime":752.745,"body":"and"},{"speaker":"Miller","startTime":752.774999,"endTime":753.094999,"body":"other"},{"speaker":"Miller","startTime":753.125,"endTime":753.8149999999999,"body":"areas,"},{"speaker":"Miller","startTime":753.845,"endTime":754.0249995,"body":"you're"},{"speaker":"Miller","startTime":754.0249995,"endTime":754.384999,"body":"probably"},{"speaker":"Miller","startTime":754.385,"endTime":754.635,"body":"not"},{"speaker":"Miller","startTime":754.655,"endTime":754.955,"body":"going"},{"speaker":"Miller","startTime":754.955,"endTime":755.0949995,"body":"to"},{"speaker":"Miller","startTime":755.0949995,"endTime":755.304999,"body":"get"},{"speaker":"Miller","startTime":755.305,"endTime":755.365,"body":"a"},{"speaker":"Miller","startTime":755.365,"endTime":755.675,"body":"door."},{"speaker":"Miller","startTime":756.014999,"endTime":756.1849990000001,"body":"I'm"},{"speaker":"Miller","startTime":756.1849990000001,"endTime":756.404999,"body":"sure"},{"speaker":"Miller","startTime":756.4050010000001,"endTime":756.585,"body":"there's"},{"speaker":"Miller","startTime":756.585,"endTime":756.774999,"body":"still"},{"speaker":"Miller","startTime":756.774999,"endTime":756.994999,"body":"going"},{"speaker":"Miller","startTime":757.005,"endTime":757.085,"body":"to"},{"speaker":"Miller","startTime":757.095,"endTime":757.225,"body":"be"},{"speaker":"Miller","startTime":757.225,"endTime":757.395,"body":"some"},{"speaker":"Miller","startTime":757.395,"endTime":758.115,"body":"uncomfortable"},{"speaker":"Miller","startTime":758.125,"endTime":758.825,"body":"discussions"},{"speaker":"Miller","startTime":759.235,"endTime":759.5550000000001,"body":"about"},{"speaker":"Miller","startTime":759.5550000000001,"endTime":759.695,"body":"your"},{"speaker":"Miller","startTime":759.695,"endTime":759.9250000000001,"body":"risk"},{"speaker":"Miller","startTime":759.9250000000001,"endTime":760.595,"body":"position"},{"speaker":"Miller","startTime":760.8050000000001,"endTime":761.265,"body":"and"},{"speaker":"Miller","startTime":761.275,"endTime":761.5450000000001,"body":"what"},{"speaker":"Miller","startTime":761.5450000000001,"endTime":761.755,"body":"is"},{"speaker":"Miller","startTime":761.755,"endTime":762.095,"body":"really"},{"speaker":"Miller","startTime":762.105,"endTime":762.755,"body":"management"},{"speaker":"Miller","startTime":762.765,"endTime":763.235,"body":"doing"},{"speaker":"Miller","startTime":763.255,"endTime":763.4050000000001,"body":"to"},{"speaker":"Miller","startTime":763.4050000000001,"endTime":764.085,"body":"recognize"},{"speaker":"Miller","startTime":764.125,"endTime":764.505,"body":"that"},{"speaker":"Miller","startTime":764.975,"endTime":765.145,"body":"and"},{"speaker":"Miller","startTime":765.145,"endTime":765.985,"body":"assessing."},{"speaker":"Miller","startTime":766.2899999999998,"endTime":766.5699999999999,"body":"If"},{"speaker":"Miller","startTime":766.5699999999999,"endTime":766.7499999999999,"body":"they"},{"speaker":"Miller","startTime":766.7499999999999,"endTime":767.0099999999999,"body":"need"},{"speaker":"Miller","startTime":767.0199999999999,"endTime":767.1599999999999,"body":"to"},{"speaker":"Miller","startTime":767.1599999999999,"endTime":767.3899999999999,"body":"do"},{"speaker":"Miller","startTime":767.3899999999999,"endTime":767.8399999999999,"body":"something"},{"speaker":"Miller","startTime":767.8499999999999,"endTime":768.0799999999999,"body":"with"},{"speaker":"Miller","startTime":768.0799999999999,"endTime":768.2999999999998,"body":"it,"},{"speaker":"Miller","startTime":768.3799999999999,"endTime":768.6899999999999,"body":"pardon"},{"speaker":"Miller","startTime":768.6899999999999,"endTime":768.8599999999999,"body":"on,"},{"speaker":"Miller","startTime":768.9999999999999,"endTime":769.1399999999999,"body":"I"},{"speaker":"Miller","startTime":769.1399999999999,"endTime":769.3999999999999,"body":"thought"},{"speaker":"Miller","startTime":769.3999999999999,"endTime":769.5099999999999,"body":"it"},{"speaker":"Miller","startTime":769.5099999999999,"endTime":769.6399999999999,"body":"was"},{"speaker":"Miller","startTime":769.6399999999999,"endTime":770.5499999999998,"body":"interesting."},{"speaker":"Miller","startTime":771.1199999999999,"endTime":771.3799999999999,"body":"They"},{"speaker":"Miller","startTime":771.3799999999999,"endTime":771.5699999999998,"body":"had"},{"speaker":"Miller","startTime":771.5699999999998,"endTime":771.6399999999999,"body":"a"},{"speaker":"Miller","startTime":771.6399999999999,"endTime":772.0699999999998,"body":"slide"},{"speaker":"Miller","startTime":772.0699999999998,"endTime":772.4199999999998,"body":"during"},{"speaker":"Miller","startTime":772.4199999999998,"endTime":773.0699999999998,"body":"today's"},{"speaker":"Miller","startTime":773.0699999999998,"endTime":773.9099999999999,"body":"webinar"},{"speaker":"Miller","startTime":773.9100999999998,"endTime":774.3898999999999,"body":"on"},{"speaker":"Miller","startTime":774.3899999999999,"endTime":774.6699999999998,"body":"contributing"},{"speaker":"Miller","startTime":774.6799999999998,"endTime":775.2199999999999,"body":"factors"},{"speaker":"Miller","startTime":775.2399999999999,"endTime":775.4399999999998,"body":"and"},{"speaker":"Miller","startTime":775.4399999999998,"endTime":776.0899999999999,"body":"results."},{"speaker":"Miller","startTime":776.0999999999999,"endTime":776.4499999999998,"body":"Some"},{"speaker":"Miller","startTime":776.4499999999998,"endTime":776.5999999999999,"body":"of"},{"speaker":"Miller","startTime":776.5999999999999,"endTime":776.8999999999999,"body":"this"},{"speaker":"Miller","startTime":776.9199999999998,"endTime":777.2799999999999,"body":"is"},{"speaker":"Miller","startTime":777.2899989999999,"endTime":777.7199989999999,"body":"because"},{"speaker":"Miller","startTime":777.7599999999999,"endTime":777.8999999999999,"body":"we"},{"speaker":"Miller","startTime":777.8999999999999,"endTime":778.0899999999999,"body":"just"},{"speaker":"Miller","startTime":778.0899999999999,"endTime":778.3499999999999,"body":"had"},{"speaker":"Miller","startTime":778.3499999999999,"endTime":778.4199999999998,"body":"a"},{"speaker":"Miller","startTime":778.4299999999998,"endTime":778.9199999999998,"body":"huge"},{"speaker":"Miller","startTime":778.9199999999998,"endTime":779.3199999999998,"body":"surge"},{"speaker":"Miller","startTime":779.3199999999998,"endTime":779.4599994999999,"body":"in"},{"speaker":"Miller","startTime":779.4599994999999,"endTime":780.5399989999999,"body":"deposits"},{"speaker":"Miller","startTime":780.6499999999999,"endTime":780.9699999999999,"body":"over"},{"speaker":"Miller","startTime":780.9699999999999,"endTime":781.9199999999998,"body":"2020"},{"speaker":"Miller","startTime":781.9299999999998,"endTime":782.0999999999999,"body":"and"},{"speaker":"Miller","startTime":782.0999999999999,"endTime":783.0699999999998,"body":"2021."},{"speaker":"Miller","startTime":783.0799999999998,"endTime":783.3499994999999,"body":"During"},{"speaker":"Miller","startTime":783.3499994999999,"endTime":783.4899989999999,"body":"the"},{"speaker":"Miller","startTime":783.4999999999999,"endTime":784.1699999999998,"body":"pandemic,"},{"speaker":"Miller","startTime":784.1999989999998,"endTime":784.3499989999999,"body":"they"},{"speaker":"Miller","startTime":784.3499989999999,"endTime":784.6299989999999,"body":"grew"},{"speaker":"Miller","startTime":784.6299999999999,"endTime":784.9099999999999,"body":"over"},{"speaker":"Miller","startTime":784.9099999999999,"endTime":785.7599999999999,"body":"20%,"},{"speaker":"Miller","startTime":785.8099999999998,"endTime":786.1299999999999,"body":"both"},{"speaker":"Miller","startTime":786.1299999999999,"endTime":786.1899999999998,"body":"of"},{"speaker":"Miller","startTime":786.2199999999999,"endTime":786.5199999999999,"body":"those"},{"speaker":"Miller","startTime":786.5199999999999,"endTime":786.9499999999998,"body":"years."},{"speaker":"Miller","startTime":786.9599999999998,"endTime":787.1299999999999,"body":"So"},{"speaker":"Miller","startTime":787.1299999999999,"endTime":787.5699999999998,"body":"capital"},{"speaker":"Miller","startTime":787.5699999999998,"endTime":788.0699999999998,"body":"ratios"},{"speaker":"Miller","startTime":788.0799999999998,"endTime":788.6199999999999,"body":"dropped"},{"speaker":"Miller","startTime":788.6199999999999,"endTime":788.9999999999999,"body":"across"},{"speaker":"Miller","startTime":789.0299999999999,"endTime":789.2099999999998,"body":"the"},{"speaker":"Miller","startTime":789.2099999999998,"endTime":789.8799999999999,"body":"industry."},{"speaker":"Miller","startTime":790.0249999999999,"endTime":790.2149999999999,"body":"So"},{"speaker":"Miller","startTime":790.2149999999999,"endTime":790.3349999999999,"body":"we're"},{"speaker":"Miller","startTime":790.3349999999999,"endTime":790.7449999999999,"body":"starting"},{"speaker":"Miller","startTime":790.7449999999999,"endTime":790.8949999999999,"body":"out"},{"speaker":"Miller","startTime":790.8949999999999,"endTime":790.9449999999998,"body":"at"},{"speaker":"Miller","startTime":790.9949999999999,"endTime":791.0649999999998,"body":"a"},{"speaker":"Miller","startTime":791.0649999999998,"endTime":791.3849999999999,"body":"lower"},{"speaker":"Miller","startTime":791.3849999999999,"endTime":791.8149999999998,"body":"point"},{"speaker":"Miller","startTime":791.8149999999998,"endTime":792.0049999999999,"body":"than"},{"speaker":"Miller","startTime":792.0049999999999,"endTime":792.4349999999998,"body":"perhaps"},{"speaker":"Miller","startTime":792.4349999999998,"endTime":792.5949999999999,"body":"we"},{"speaker":"Miller","startTime":792.5949999999999,"endTime":792.8549999999999,"body":"were"},{"speaker":"Miller","startTime":792.8549999999999,"endTime":793.0249999999999,"body":"when"},{"speaker":"Miller","startTime":793.0249999999999,"endTime":793.1749999999998,"body":"this"},{"speaker":"Miller","startTime":793.1749999999998,"endTime":793.6749999999998,"body":"policy"},{"speaker":"Miller","startTime":793.6749999999998,"endTime":793.8749999999999,"body":"was"},{"speaker":"Miller","startTime":793.8749999999999,"endTime":794.4549999999998,"body":"enacted."},{"speaker":"Miller","startTime":794.5049999999999,"endTime":794.6849999999998,"body":"It"},{"speaker":"Miller","startTime":794.6849999999998,"endTime":794.8649999999999,"body":"is"},{"speaker":"Miller","startTime":794.8649999999999,"endTime":795.5749999999998,"body":"interesting"},{"speaker":"Miller","startTime":795.5749999999998,"endTime":795.8049999999998,"body":"that"},{"speaker":"Miller","startTime":795.8049999999998,"endTime":796.1049999999999,"body":"growth"},{"speaker":"Miller","startTime":796.1549999999999,"endTime":796.3349999999999,"body":"has"},{"speaker":"Miller","startTime":796.3349999999999,"endTime":796.8549999999999,"body":"slowed"},{"speaker":"Miller","startTime":797.0949999999999,"endTime":797.8249999999999,"body":"tremendously"},{"speaker":"Miller","startTime":797.8249999999999,"endTime":798.1149995,"body":"since"},{"speaker":"Miller","startTime":798.1149995,"endTime":798.4549989999999,"body":"then."},{"speaker":"Miller","startTime":798.4549999999999,"endTime":798.5949999999999,"body":"And"},{"speaker":"Miller","startTime":798.5949999999999,"endTime":798.7549999999999,"body":"in"},{"speaker":"Miller","startTime":798.7649999999999,"endTime":799.045,"body":"fact,"},{"speaker":"Miller","startTime":799.045,"endTime":799.2549999999999,"body":"from"},{"speaker":"Miller","startTime":799.2549999999999,"endTime":799.545,"body":"March"},{"speaker":"Miller","startTime":799.545,"endTime":799.6449999999999,"body":"to"},{"speaker":"Miller","startTime":799.6449999999999,"endTime":799.9049994999999,"body":"June,"},{"speaker":"Miller","startTime":799.9049994999999,"endTime":800.1249989999999,"body":"there's"},{"speaker":"Miller","startTime":800.1249999999999,"endTime":800.2749999999999,"body":"been"},{"speaker":"Miller","startTime":800.2749999999999,"endTime":800.5849999999999,"body":"almost"},{"speaker":"Miller","startTime":800.6249999999999,"endTime":800.805,"body":"no"},{"speaker":"Miller","startTime":800.805,"endTime":801.1149999999999,"body":"show"},{"speaker":"Miller","startTime":801.6149989999999,"endTime":801.8749989999999,"body":"share"},{"speaker":"Miller","startTime":801.8749999999999,"endTime":802.185,"body":"growth,"},{"speaker":"Miller","startTime":802.6049999999999,"endTime":802.8249999999999,"body":"but"},{"speaker":"Miller","startTime":802.8249999999999,"endTime":803.045,"body":"it's"},{"speaker":"Miller","startTime":803.055,"endTime":803.665,"body":"hitting"},{"speaker":"Miller","startTime":803.935,"endTime":804.165,"body":"this"},{"speaker":"Miller","startTime":804.165,"endTime":804.515,"body":"whole"},{"speaker":"Miller","startTime":804.515,"endTime":804.785,"body":"high"},{"speaker":"Miller","startTime":804.785,"endTime":805.165,"body":"risk."},{"speaker":"Miller","startTime":805.165,"endTime":805.3249999999999,"body":"It's"},{"speaker":"Miller","startTime":805.3249999999999,"endTime":805.5749999999999,"body":"hit"},{"speaker":"Miller","startTime":805.625,"endTime":805.7749994999999,"body":"a"},{"speaker":"Miller","startTime":805.7749994999999,"endTime":806.164999,"body":"very"},{"speaker":"Miller","startTime":806.164999,"endTime":806.764999,"body":"specific"},{"speaker":"Miller","startTime":806.764999,"endTime":807.044999,"body":"number"},{"speaker":"Miller","startTime":807.045,"endTime":807.1849995,"body":"of"},{"speaker":"Miller","startTime":807.1849995,"endTime":807.4749989999999,"body":"credit"},{"speaker":"Miller","startTime":807.4749999999999,"endTime":807.995,"body":"unions."},{"speaker":"Miller","startTime":808.405,"endTime":808.5849995,"body":"And"},{"speaker":"Miller","startTime":808.5849995,"endTime":808.684999,"body":"they"},{"speaker":"Miller","startTime":808.684999,"endTime":809.004999,"body":"talked"},{"speaker":"Miller","startTime":809.005,"endTime":809.045,"body":"a"},{"speaker":"Miller","startTime":809.045,"endTime":809.305,"body":"little"},{"speaker":"Miller","startTime":809.305,"endTime":809.535,"body":"bit"},{"speaker":"Miller","startTime":809.535,"endTime":809.905,"body":"around"},{"speaker":"Miller","startTime":809.905,"endTime":810.005,"body":"it"},{"speaker":"Miller","startTime":810.015,"endTime":810.285,"body":"during"},{"speaker":"Miller","startTime":810.285,"endTime":810.395,"body":"the"},{"speaker":"Miller","startTime":810.395,"endTime":811.015,"body":"webinar,"},{"speaker":"Miller","startTime":811.025,"endTime":811.275,"body":"but"},{"speaker":"Miller","startTime":811.625,"endTime":811.745,"body":"The"},{"speaker":"Miller","startTime":811.745,"endTime":812.025,"body":"ones"},{"speaker":"Miller","startTime":812.025,"endTime":812.185,"body":"that"},{"speaker":"Miller","startTime":812.185,"endTime":812.445,"body":"it's"},{"speaker":"Miller","startTime":812.495,"endTime":813.055,"body":"really"},{"speaker":"Miller","startTime":813.055,"endTime":813.615,"body":"impacted"},{"speaker":"Miller","startTime":813.615,"endTime":813.685,"body":"the"},{"speaker":"Miller","startTime":813.685,"endTime":814.025,"body":"most"},{"speaker":"Miller","startTime":814.025,"endTime":814.125,"body":"are"},{"speaker":"Miller","startTime":814.125,"endTime":814.295,"body":"these"},{"speaker":"Miller","startTime":814.295,"endTime":814.545,"body":"credit"},{"speaker":"Miller","startTime":814.545,"endTime":814.725,"body":"unions"},{"speaker":"Miller","startTime":814.725,"endTime":814.905,"body":"with"},{"speaker":"Miller","startTime":814.915,"endTime":815.215,"body":"lower"},{"speaker":"Miller","startTime":815.415,"endTime":815.645,"body":"loan"},{"speaker":"Miller","startTime":815.645,"endTime":815.735,"body":"to"},{"speaker":"Miller","startTime":815.735,"endTime":815.995,"body":"share"},{"speaker":"Miller","startTime":815.995,"endTime":816.525,"body":"ratios."},{"speaker":"Miller","startTime":816.885,"endTime":817.095,"body":"So"},{"speaker":"Miller","startTime":817.095,"endTime":817.235,"body":"you"},{"speaker":"Miller","startTime":817.235,"endTime":817.445,"body":"have"},{"speaker":"Miller","startTime":817.445,"endTime":817.515,"body":"a"},{"speaker":"Miller","startTime":817.515,"endTime":817.765,"body":"group"},{"speaker":"Miller","startTime":817.765,"endTime":817.855,"body":"of"},{"speaker":"Miller","startTime":817.855,"endTime":818.115,"body":"credit"},{"speaker":"Miller","startTime":818.125,"endTime":818.465,"body":"unions"},{"speaker":"Miller","startTime":818.465,"endTime":818.655,"body":"that"},{"speaker":"Miller","startTime":818.655,"endTime":818.755,"body":"are"},{"speaker":"Miller","startTime":818.755,"endTime":819.385,"body":"relying"},{"speaker":"Miller","startTime":819.385,"endTime":819.495,"body":"on"},{"speaker":"Miller","startTime":819.495,"endTime":819.6849995,"body":"their"},{"speaker":"Miller","startTime":819.6849995,"endTime":820.244999,"body":"investment"},{"speaker":"Miller","startTime":820.735,"endTime":821.195,"body":"portfolio"},{"speaker":"Miller","startTime":821.195,"endTime":821.365,"body":"for"},{"speaker":"Miller","startTime":821.415,"endTime":821.985,"body":"earnings,"},{"speaker":"Miller","startTime":822.285,"endTime":822.575,"body":"not"},{"speaker":"Miller","startTime":822.575,"endTime":822.735,"body":"just"},{"speaker":"Miller","startTime":822.764999,"endTime":823.324999,"body":"liquidity"},{"speaker":"Miller","startTime":823.325,"endTime":823.995,"body":"management,"},{"speaker":"Miller","startTime":824.005,"endTime":824.325,"body":"but"},{"speaker":"Miller","startTime":824.605,"endTime":824.815,"body":"they"},{"speaker":"Miller","startTime":824.815,"endTime":825.045,"body":"have"},{"speaker":"Miller","startTime":825.045,"endTime":825.395,"body":"large"},{"speaker":"Miller","startTime":825.395,"endTime":825.9249995,"body":"investment"},{"speaker":"Miller","startTime":825.9249995,"endTime":826.714999,"body":"portfolios"},{"speaker":"Miller","startTime":826.724999,"endTime":827.154999,"body":"that"},{"speaker":"Miller","startTime":827.4849999999999,"endTime":827.6249999999999,"body":"are"},{"speaker":"Miller","startTime":827.6249999999999,"endTime":827.935,"body":"really"},{"speaker":"Miller","startTime":827.935,"endTime":828.3349995,"body":"serving"},{"speaker":"Miller","startTime":828.3349995,"endTime":828.524999,"body":"as"},{"speaker":"Miller","startTime":828.525,"endTime":828.685,"body":"their"},{"speaker":"Miller","startTime":828.685,"endTime":828.9049994999999,"body":"loan"},{"speaker":"Miller","startTime":828.9049994999999,"endTime":829.5949989999999,"body":"portfolio."},{"speaker":"Miller","startTime":829.6149999999999,"endTime":829.795,"body":"So"},{"speaker":"Miller","startTime":829.795,"endTime":829.9149994999999,"body":"they"},{"speaker":"Miller","startTime":829.9149994999999,"endTime":830.0949989999999,"body":"have"},{"speaker":"Miller","startTime":830.0949989999999,"endTime":830.4649989999999,"body":"zero"},{"speaker":"Miller","startTime":830.4649999999999,"endTime":830.8549999999999,"body":"credit"},{"speaker":"Miller","startTime":830.8549999999999,"endTime":831.2449999999999,"body":"risk,"},{"speaker":"Miller","startTime":831.685,"endTime":831.895,"body":"but"},{"speaker":"Miller","startTime":831.895,"endTime":832.165,"body":"they've"},{"speaker":"Miller","startTime":832.505,"endTime":832.885,"body":"taken"},{"speaker":"Miller","startTime":832.895,"endTime":833.175,"body":"on"},{"speaker":"Miller","startTime":833.185,"endTime":833.835,"body":"duration"},{"speaker":"Miller","startTime":833.835,"endTime":834.015,"body":"and"},{"speaker":"Miller","startTime":834.015,"endTime":834.505,"body":"extended"},{"speaker":"Miller","startTime":834.645,"endTime":834.765,"body":"the"},{"speaker":"Miller","startTime":834.765,"endTime":835.645,"body":"maturity"},{"speaker":"Miller","startTime":835.965,"endTime":836.155,"body":"of"},{"speaker":"Miller","startTime":836.155,"endTime":836.295,"body":"their"},{"speaker":"Miller","startTime":836.295,"endTime":836.935,"body":"investments"},{"speaker":"Miller","startTime":836.955,"endTime":837.305,"body":"because"},{"speaker":"Miller","startTime":837.305,"endTime":837.505,"body":"it's"},{"speaker":"Miller","startTime":837.505,"endTime":837.615,"body":"a"},{"speaker":"Miller","startTime":837.655,"endTime":838.0649999999999,"body":"core"},{"speaker":"Miller","startTime":838.075,"endTime":838.355,"body":"piece"},{"speaker":"Miller","startTime":838.355,"endTime":838.505,"body":"of"},{"speaker":"Miller","startTime":838.505,"endTime":838.705,"body":"their"},{"speaker":"Miller","startTime":838.734999,"endTime":839.384999,"body":"earnings."},{"speaker":"Miller","startTime":840.035,"endTime":840.2649994999999,"body":"While"},{"speaker":"Miller","startTime":840.2649994999999,"endTime":840.3549989999999,"body":"the"},{"speaker":"Miller","startTime":840.355,"endTime":840.6949999999999,"body":"rise"},{"speaker":"Miller","startTime":840.6949999999999,"endTime":840.8149999999999,"body":"in"},{"speaker":"Miller","startTime":840.8149999999999,"endTime":841.2049999999999,"body":"interest"},{"speaker":"Miller","startTime":841.2049999999999,"endTime":841.4649999999999,"body":"rate"},{"speaker":"Miller","startTime":841.545,"endTime":842.045,"body":"risks."},{"speaker":"Miller","startTime":842.565,"endTime":842.865,"body":"or"},{"speaker":"Miller","startTime":842.9350000000001,"endTime":843.3950000000001,"body":"interest"},{"speaker":"Miller","startTime":843.3950000000001,"endTime":843.815,"body":"rates,"},{"speaker":"Miller","startTime":843.885,"endTime":844.1450000000001,"body":"it's"},{"speaker":"Miller","startTime":844.1650000000001,"endTime":844.855,"body":"dropped"},{"speaker":"Miller","startTime":844.975,"endTime":845.125,"body":"the"},{"speaker":"Miller","startTime":845.125,"endTime":845.7750000000001,"body":"value"},{"speaker":"Miller","startTime":845.7750000000001,"endTime":846.015,"body":"of"},{"speaker":"Miller","startTime":846.015,"endTime":846.355,"body":"those"},{"speaker":"Miller","startTime":846.365,"endTime":847.5550000000001,"body":"significantly."},{"speaker":"Miller","startTime":848.0350000000001,"endTime":848.455,"body":"And"},{"speaker":"Miller","startTime":848.455,"endTime":848.605,"body":"you"},{"speaker":"Miller","startTime":848.605,"endTime":848.7750000000001,"body":"can"},{"speaker":"Miller","startTime":848.7750000000001,"endTime":848.985,"body":"see"},{"speaker":"Miller","startTime":848.985,"endTime":849.115,"body":"it"},{"speaker":"Miller","startTime":849.115,"endTime":849.3050000000001,"body":"on"},{"speaker":"Miller","startTime":849.315,"endTime":849.455,"body":"the"},{"speaker":"Miller","startTime":849.605,"endTime":850.1550000000001,"body":"FPR"},{"speaker":"Miller","startTime":850.205,"endTime":850.495,"body":"just"},{"speaker":"Miller","startTime":850.495,"endTime":851.215,"body":"nationally."},{"speaker":"Miller","startTime":851.215,"endTime":851.2649995,"body":"I"},{"speaker":"Miller","startTime":851.2649995,"endTime":851.504999,"body":"think"},{"speaker":"Miller","startTime":851.505,"endTime":851.6650000000001,"body":"it's"},{"speaker":"Miller","startTime":851.6650000000001,"endTime":852.1750000000001,"body":"around,"},{"speaker":"Miller","startTime":852.1850000000001,"endTime":852.4249995,"body":"they"},{"speaker":"Miller","startTime":852.4249995,"endTime":852.764999,"body":"mentioned"},{"speaker":"Miller","startTime":852.764999,"endTime":852.884999,"body":"it"},{"speaker":"Miller","startTime":852.884999,"endTime":853.074999,"body":"during"},{"speaker":"Miller","startTime":853.075,"endTime":853.1749995,"body":"the"},{"speaker":"Miller","startTime":853.1749995,"endTime":853.614999,"body":"webinar,"},{"speaker":"Miller","startTime":853.625,"endTime":854.1349995,"body":"17"},{"speaker":"Miller","startTime":854.1349995,"endTime":854.454999,"body":"percent"},{"speaker":"Miller","startTime":854.455,"endTime":854.565,"body":"of"},{"speaker":"Miller","startTime":854.565,"endTime":854.7149995000001,"body":"net"},{"speaker":"Miller","startTime":854.7149995000001,"endTime":854.994999,"body":"worth"},{"speaker":"Miller","startTime":855.004999,"endTime":855.1549990000001,"body":"is"},{"speaker":"Miller","startTime":855.1550000000001,"endTime":855.255,"body":"sitting"},{"speaker":"Miller","startTime":855.5450000000001,"endTime":855.565,"body":"in"},{"speaker":"Miller","startTime":855.565,"endTime":855.735,"body":"these"},{"speaker":"Miller","startTime":855.875,"endTime":856.325,"body":"unrealized"},{"speaker":"Miller","startTime":856.344999,"endTime":856.7949990000001,"body":"losses"},{"speaker":"Miller","startTime":856.7949990000001,"endTime":856.9249990000001,"body":"and"},{"speaker":"Miller","startTime":856.9249990000001,"endTime":857.634999,"body":"investments."},{"speaker":"Miller","startTime":857.6550000000001,"endTime":857.9350000000001,"body":"So"},{"speaker":"Miller","startTime":857.945,"endTime":858.265,"body":"those"},{"speaker":"Miller","startTime":858.2850000000001,"endTime":858.705,"body":"criteria"},{"speaker":"Miller","startTime":858.844999,"endTime":858.9349990000001,"body":"have"},{"speaker":"Miller","startTime":858.9350000000001,"endTime":859.1650000000001,"body":"been"},{"speaker":"Miller","startTime":859.1749990000001,"endTime":859.4149990000001,"body":"hit"},{"speaker":"Miller","startTime":859.475,"endTime":859.885,"body":"really"},{"speaker":"Miller","startTime":859.8950010000001,"endTime":860.495001,"body":"hard"},{"speaker":"Miller","startTime":861.155,"endTime":861.325,"body":"in"},{"speaker":"Miller","startTime":861.325,"endTime":861.775,"body":"terms"},{"speaker":"Miller","startTime":861.9250000000001,"endTime":862.215,"body":"of"},{"speaker":"Miller","startTime":862.455,"endTime":863.525,"body":"triggering"},{"speaker":"Miller","startTime":863.625,"endTime":864.215,"body":"extreme"},{"speaker":"Miller","startTime":864.215,"endTime":864.505,"body":"risk"},{"speaker":"Miller","startTime":864.505,"endTime":864.635,"body":"on"},{"speaker":"Miller","startTime":864.635,"endTime":864.795,"body":"that"},{"speaker":"Miller","startTime":864.795,"endTime":865.485,"body":"supervisory"},{"speaker":"Miller","startTime":865.485,"endTime":865.9250000000001,"body":"test."},{"speaker":"Miller","startTime":866.8849999999999,"endTime":867.0149999999999,"body":"But"},{"speaker":"Miller","startTime":867.1749999999998,"endTime":867.5249999999999,"body":"also"},{"speaker":"Miller","startTime":867.5249999999999,"endTime":867.6649999999998,"body":"the"},{"speaker":"Miller","startTime":867.6849999999998,"endTime":868.1249999999999,"body":"parties"},{"speaker":"Miller","startTime":868.1249999999999,"endTime":868.2449999999999,"body":"that"},{"speaker":"Miller","startTime":868.2549999999999,"endTime":868.5049999999999,"body":"have"},{"speaker":"Miller","startTime":868.5049999999999,"endTime":868.5749999999999,"body":"the"},{"speaker":"Miller","startTime":868.5749999999999,"endTime":868.8449999999999,"body":"most"},{"speaker":"Miller","startTime":868.8449999999999,"endTime":869.3749999999999,"body":"mitigating"},{"speaker":"Miller","startTime":869.3949999999999,"endTime":869.8949999999999,"body":"factors,"},{"speaker":"Miller","startTime":869.9049999999999,"endTime":870.0749999999999,"body":"they"},{"speaker":"Miller","startTime":870.1049999999999,"endTime":870.6949999999999,"body":"typically"},{"speaker":"Miller","startTime":870.6949999999999,"endTime":870.9749999999999,"body":"have"},{"speaker":"Miller","startTime":870.9849999999999,"endTime":871.3349999999999,"body":"very"},{"speaker":"Miller","startTime":871.3349999999999,"endTime":871.5349999999999,"body":"low"},{"speaker":"Miller","startTime":871.5349999999999,"endTime":872.0249999999999,"body":"operating"},{"speaker":"Miller","startTime":872.0249999999999,"endTime":872.6849999999998,"body":"expenses."},{"speaker":"Miller","startTime":873.0449999999998,"endTime":873.1449999999999,"body":"And"},{"speaker":"Miller","startTime":873.1449999999999,"endTime":873.4849999999999,"body":"because"},{"speaker":"Miller","startTime":873.4849999999999,"endTime":873.7049999999999,"body":"they're"},{"speaker":"Miller","startTime":873.7149999999999,"endTime":874.0049999999999,"body":"not"},{"speaker":"Miller","startTime":874.0049999999999,"endTime":874.3849999999999,"body":"making"},{"speaker":"Miller","startTime":874.3849999999999,"endTime":874.8049994999999,"body":"loans,"},{"speaker":"Miller","startTime":874.8049994999999,"endTime":874.9049989999999,"body":"they"},{"speaker":"Miller","startTime":874.9149999999998,"endTime":875.1249999999999,"body":"have"},{"speaker":"Miller","startTime":875.1249999999999,"endTime":875.4749999999999,"body":"almost"},{"speaker":"Miller","startTime":875.4949999999999,"endTime":875.6749999999998,"body":"no"},{"speaker":"Miller","startTime":875.6749999999998,"endTime":876.0249999999999,"body":"credit"},{"speaker":"Miller","startTime":876.0249999999999,"endTime":876.4149999999998,"body":"risk."},{"speaker":"Miller","startTime":876.885,"endTime":877.425,"body":"So"},{"speaker":"Miller","startTime":877.435,"endTime":877.6549994999999,"body":"they"},{"speaker":"Miller","startTime":877.6549994999999,"endTime":877.914999,"body":"need"},{"speaker":"Miller","startTime":877.925,"endTime":878.035,"body":"to"},{"speaker":"Miller","startTime":878.045,"endTime":878.1949995,"body":"be"},{"speaker":"Miller","startTime":878.1949995,"endTime":878.6149989999999,"body":"taking"},{"speaker":"Miller","startTime":878.6149989999999,"endTime":878.804999,"body":"on"},{"speaker":"Miller","startTime":878.814999,"endTime":879.254999,"body":"interest"},{"speaker":"Miller","startTime":879.255,"endTime":879.4849995,"body":"rate"},{"speaker":"Miller","startTime":879.4849995,"endTime":879.7349989999999,"body":"risk"},{"speaker":"Miller","startTime":879.755,"endTime":879.875,"body":"to"},{"speaker":"Miller","startTime":879.875,"endTime":880.4749999999999,"body":"generate"},{"speaker":"Miller","startTime":880.545,"endTime":881.0849999999999,"body":"earnings."},{"speaker":"Miller","startTime":881.0849999999999,"endTime":881.2049999999999,"body":"And"},{"speaker":"Miller","startTime":881.2049999999999,"endTime":881.375,"body":"it's"},{"speaker":"Miller","startTime":881.425,"endTime":881.775,"body":"all"},{"speaker":"Miller","startTime":881.785,"endTime":882.645,"body":"reasonable."},{"speaker":"Miller","startTime":883.1449999999999,"endTime":883.5949999999999,"body":"And"},{"speaker":"Miller","startTime":884.26,"endTime":884.59,"body":"Many"},{"speaker":"Miller","startTime":884.59,"endTime":884.65,"body":"of"},{"speaker":"Miller","startTime":884.66,"endTime":884.88,"body":"these"},{"speaker":"Miller","startTime":884.88,"endTime":885.15,"body":"credit"},{"speaker":"Miller","startTime":885.15,"endTime":885.4,"body":"unions"},{"speaker":"Miller","startTime":885.4,"endTime":886.13,"body":"were"},{"speaker":"Miller","startTime":886.31,"endTime":886.55,"body":"just"},{"speaker":"Miller","startTime":886.55,"endTime":886.98,"body":"showing"},{"speaker":"Miller","startTime":886.98,"endTime":887.15,"body":"up"},{"speaker":"Miller","startTime":887.15,"endTime":887.3,"body":"as"},{"speaker":"Miller","startTime":887.32,"endTime":887.88,"body":"moderate"},{"speaker":"Miller","startTime":887.9,"endTime":888.28,"body":"risk"},{"speaker":"Miller","startTime":888.28,"endTime":888.42,"body":"in"},{"speaker":"Miller","startTime":888.42,"endTime":888.88,"body":"December,"},{"speaker":"Miller","startTime":888.88,"endTime":889.05,"body":"all"},{"speaker":"Miller","startTime":889.05,"endTime":889.12,"body":"of"},{"speaker":"Miller","startTime":889.12,"endTime":889.19,"body":"a"},{"speaker":"Miller","startTime":889.19,"endTime":889.48,"body":"sudden,"},{"speaker":"Miller","startTime":889.48,"endTime":889.65,"body":"now"},{"speaker":"Miller","startTime":889.65,"endTime":889.83,"body":"they're"},{"speaker":"Miller","startTime":889.83,"endTime":890.23,"body":"extreme"},{"speaker":"Miller","startTime":890.26,"endTime":890.49,"body":"went"},{"speaker":"Miller","startTime":890.49,"endTime":890.65,"body":"from"},{"speaker":"Treichel","startTime":890.66,"endTime":891.07,"body":"moderate"},{"speaker":"Treichel","startTime":891.11,"endTime":891.24,"body":"to"},{"speaker":"Treichel","startTime":891.24,"endTime":891.72,"body":"extreme."},{"speaker":"Treichel","startTime":891.72,"endTime":891.82,"body":"And"},{"speaker":"Treichel","startTime":891.82,"endTime":891.99,"body":"now"},{"speaker":"Treichel","startTime":891.99,"endTime":892.21,"body":"the"},{"speaker":"Treichel","startTime":892.25,"endTime":892.79,"body":"definition"},{"speaker":"Treichel","startTime":892.79,"endTime":892.91,"body":"of"},{"speaker":"Treichel","startTime":892.91,"endTime":893.29,"body":"extreme"},{"speaker":"Treichel","startTime":893.29,"endTime":893.48,"body":"is,"},{"speaker":"Treichel","startTime":893.52,"endTime":893.84,"body":"oh,"},{"speaker":"Treichel","startTime":893.92,"endTime":894.1399995,"body":"is"},{"speaker":"Treichel","startTime":894.1399995,"endTime":894.409999,"body":"gone."},{"speaker":"Treichel","startTime":894.41,"endTime":894.5599995,"body":"But"},{"speaker":"Treichel","startTime":894.5599995,"endTime":894.759999,"body":"that"},{"speaker":"Treichel","startTime":894.76,"endTime":894.9699995,"body":"may"},{"speaker":"Treichel","startTime":894.9699995,"endTime":895.139999,"body":"have"},{"speaker":"Treichel","startTime":895.139999,"endTime":895.399999,"body":"led"},{"speaker":"Treichel","startTime":895.4,"endTime":895.52,"body":"to"},{"speaker":"Treichel","startTime":895.52,"endTime":895.73,"body":"them"},{"speaker":"Treichel","startTime":895.73,"endTime":896.04,"body":"already"},{"speaker":"Treichel","startTime":896.04,"endTime":896.34,"body":"getting"},{"speaker":"Treichel","startTime":896.34,"endTime":896.3899995,"body":"a"},{"speaker":"Treichel","startTime":896.3899995,"endTime":896.859999,"body":"document"},{"speaker":"Treichel","startTime":896.86,"endTime":897.57,"body":"resolution."},{"speaker":"Miller","startTime":898.4799989999999,"endTime":898.8399989999999,"body":"Yeah,"},{"speaker":"Miller","startTime":898.92,"endTime":899,"body":"so"},{"speaker":"Miller","startTime":899.0799999999999,"endTime":899.3199995,"body":"those"},{"speaker":"Miller","startTime":899.3199995,"endTime":899.409999,"body":"are"},{"speaker":"Miller","startTime":899.41,"endTime":899.54,"body":"the"},{"speaker":"Miller","startTime":899.5899999999999,"endTime":899.91,"body":"people"},{"speaker":"Miller","startTime":899.91,"endTime":900.0199994999999,"body":"that"},{"speaker":"Miller","startTime":900.0199994999999,"endTime":900.129999,"body":"have"},{"speaker":"Miller","startTime":900.13,"endTime":900.29,"body":"been"},{"speaker":"Miller","startTime":900.29,"endTime":900.52,"body":"hit"},{"speaker":"Miller","startTime":900.5699989999999,"endTime":901.0899989999999,"body":"really"},{"speaker":"Miller","startTime":901.0899999999999,"endTime":901.42,"body":"hard"},{"speaker":"Miller","startTime":901.43,"endTime":901.5899999999999,"body":"by"},{"speaker":"Miller","startTime":901.5899999999999,"endTime":901.8,"body":"this"},{"speaker":"Miller","startTime":901.809999,"endTime":902.519999,"body":"policy,"},{"speaker":"Miller","startTime":902.93,"endTime":903.1299994999999,"body":"and"},{"speaker":"Miller","startTime":903.1299994999999,"endTime":903.3199989999999,"body":"they're"},{"speaker":"Miller","startTime":903.3199989999999,"endTime":903.439999,"body":"the"},{"speaker":"Miller","startTime":903.4399999999999,"endTime":903.8799994999999,"body":"very"},{"speaker":"Miller","startTime":903.8799994999999,"endTime":904.3499989999999,"body":"ones"},{"speaker":"Miller","startTime":904.409999,"endTime":904.899999,"body":"where"},{"speaker":"Miller","startTime":904.909999,"endTime":905.189999,"body":"when"},{"speaker":"Miller","startTime":905.189999,"endTime":905.769999,"body":"you."},{"speaker":"Miller","startTime":906.255,"endTime":906.845,"body":"Assess"},{"speaker":"Miller","startTime":906.885,"endTime":907.015,"body":"the"},{"speaker":"Miller","startTime":907.015,"endTime":907.235,"body":"risk"},{"speaker":"Miller","startTime":907.235,"endTime":907.945,"body":"mitigation."},{"speaker":"Miller","startTime":907.965,"endTime":908.105,"body":"They"},{"speaker":"Miller","startTime":908.105,"endTime":908.325,"body":"have"},{"speaker":"Miller","startTime":908.325,"endTime":908.405,"body":"the"},{"speaker":"Miller","startTime":908.405,"endTime":908.6650000000001,"body":"most"},{"speaker":"Miller","startTime":908.6850000000001,"endTime":909.4250000000001,"body":"mitigation."},{"speaker":"Miller","startTime":909.455,"endTime":909.7950000000001,"body":"So"},{"speaker":"Miller","startTime":909.7951,"endTime":910.2649,"body":"they're"},{"speaker":"Miller","startTime":910.265,"endTime":910.355,"body":"the"},{"speaker":"Miller","startTime":910.355,"endTime":910.645,"body":"group"},{"speaker":"Miller","startTime":910.645,"endTime":910.8050000000001,"body":"that"},{"speaker":"Miller","startTime":910.8050000000001,"endTime":910.9350000000001,"body":"can"},{"speaker":"Miller","startTime":910.9350000000001,"endTime":911.285,"body":"actually"},{"speaker":"Miller","startTime":911.3050000000001,"endTime":911.5550000000001,"body":"take"},{"speaker":"Miller","startTime":911.5550000000001,"endTime":911.655,"body":"the"},{"speaker":"Miller","startTime":911.655,"endTime":911.975,"body":"most"},{"speaker":"Miller","startTime":911.975,"endTime":912.335,"body":"interest"},{"speaker":"Miller","startTime":912.335,"endTime":912.525,"body":"rate"},{"speaker":"Miller","startTime":912.525,"endTime":912.765,"body":"risk"},{"speaker":"Miller","startTime":912.7950000000001,"endTime":913.1850000000001,"body":"too."},{"speaker":"Treichel","startTime":915.025,"endTime":915.765,"body":"Fascinating."},{"speaker":"Treichel","startTime":915.765,"endTime":916.495,"body":"Fascinating."},{"speaker":"Treichel","startTime":916.534999,"endTime":916.6849990000001,"body":"Yeah."},{"speaker":"Treichel","startTime":916.6850000000001,"endTime":916.885,"body":"We"},{"speaker":"Treichel","startTime":916.895,"endTime":917.105,"body":"might"},{"speaker":"Treichel","startTime":917.105,"endTime":917.245,"body":"want"},{"speaker":"Treichel","startTime":917.395,"endTime":917.515,"body":"to"},{"speaker":"Treichel","startTime":917.515,"endTime":917.645,"body":"do"},{"speaker":"Treichel","startTime":917.645,"endTime":917.695,"body":"a"},{"speaker":"Treichel","startTime":917.695,"endTime":917.885,"body":"little"},{"speaker":"Treichel","startTime":917.885,"endTime":918.1850000000001,"body":"deeper"},{"speaker":"Treichel","startTime":918.1850000000001,"endTime":918.4350000000001,"body":"dive"},{"speaker":"Treichel","startTime":918.4350000000001,"endTime":918.595,"body":"into"},{"speaker":"Treichel","startTime":918.595,"endTime":918.855,"body":"that,"},{"speaker":"Treichel","startTime":918.855,"endTime":919.0450000000001,"body":"but"},{"speaker":"Treichel","startTime":919.744999,"endTime":919.9249990000001,"body":"the"},{"speaker":"Treichel","startTime":919.9250000000001,"endTime":920.095,"body":"other"},{"speaker":"Treichel","startTime":920.095,"endTime":920.3050000000001,"body":"thing"},{"speaker":"Treichel","startTime":920.3050000000001,"endTime":920.5349995,"body":"too,"},{"speaker":"Treichel","startTime":920.5349995,"endTime":920.834999,"body":"is"},{"speaker":"Treichel","startTime":920.994999,"endTime":921.214999,"body":"it"},{"speaker":"Treichel","startTime":921.215,"endTime":921.4049995,"body":"might"},{"speaker":"Treichel","startTime":921.4049995,"endTime":921.5449990000001,"body":"be"},{"speaker":"Treichel","startTime":921.5550000000001,"endTime":921.835,"body":"best"},{"speaker":"Treichel","startTime":921.845,"endTime":921.9949995000001,"body":"for"},{"speaker":"Treichel","startTime":921.9949995000001,"endTime":922.264999,"body":"someone"},{"speaker":"Treichel","startTime":922.265,"endTime":922.375,"body":"who"},{"speaker":"Treichel","startTime":922.375,"endTime":922.7849995,"body":"hasn't"},{"speaker":"Treichel","startTime":922.7849995,"endTime":923.004999,"body":"seen"},{"speaker":"Treichel","startTime":923.005,"endTime":923.105,"body":"the"},{"speaker":"Treichel","startTime":923.105,"endTime":923.3849995,"body":"letter."},{"speaker":"Treichel","startTime":923.3849995,"endTime":923.494999,"body":"If"},{"speaker":"Treichel","startTime":923.494999,"endTime":923.634999,"body":"we"},{"speaker":"Treichel","startTime":923.634999,"endTime":923.9249990000001,"body":"maybe"},{"speaker":"Treichel","startTime":923.974999,"endTime":924.3049990000001,"body":"talk"},{"speaker":"Treichel","startTime":924.335,"endTime":924.625,"body":"through"},{"speaker":"Treichel","startTime":924.625,"endTime":924.835,"body":"the"},{"speaker":"Treichel","startTime":924.845,"endTime":925.355,"body":"highlights"},{"speaker":"Treichel","startTime":925.355,"endTime":925.455,"body":"of"},{"speaker":"Treichel","startTime":925.465,"endTime":925.585,"body":"the"},{"speaker":"Treichel","startTime":925.585,"endTime":926.1850000000001,"body":"actual"},{"speaker":"Treichel","startTime":926.505,"endTime":926.865,"body":"letter"},{"speaker":"Treichel","startTime":926.865,"endTime":927.005,"body":"to"},{"speaker":"Treichel","startTime":927.005,"endTime":927.325,"body":"credit"},{"speaker":"Treichel","startTime":927.365,"endTime":927.8050000000001,"body":"unions"},{"speaker":"Treichel","startTime":927.8050000000001,"endTime":928.085,"body":"to,"},{"speaker":"Treichel","startTime":928.105,"endTime":928.255,"body":"to"},{"speaker":"Treichel","startTime":928.255,"endTime":928.4250000000001,"body":"give"},{"speaker":"Treichel","startTime":928.4250000000001,"endTime":928.505,"body":"a"},{"speaker":"Treichel","startTime":928.505,"endTime":929.035,"body":"primer"},{"speaker":"Treichel","startTime":929.0450000000001,"endTime":929.3050000000001,"body":"on"},{"speaker":"Treichel","startTime":929.375,"endTime":929.615,"body":"who"},{"speaker":"Treichel","startTime":929.625,"endTime":929.765,"body":"the"},{"speaker":"Treichel","startTime":929.765,"endTime":930.0550000000001,"body":"letter"},{"speaker":"Treichel","startTime":930.0550000000001,"endTime":930.495,"body":"applies"},{"speaker":"Treichel","startTime":930.495,"endTime":930.725,"body":"to,"},{"speaker":"Treichel","startTime":930.725,"endTime":930.845,"body":"et"},{"speaker":"Treichel","startTime":930.845,"endTime":931.365,"body":"cetera."},{"speaker":"Treichel","startTime":931.715,"endTime":931.9150000000001,"body":"So"},{"speaker":"Treichel","startTime":931.9150000000001,"endTime":932.1850000000001,"body":"what,"},{"speaker":"Treichel","startTime":932.235,"endTime":932.595,"body":"what"},{"speaker":"Treichel","startTime":932.595,"endTime":932.6850000000001,"body":"are"},{"speaker":"Treichel","startTime":932.6850000000001,"endTime":932.7750000000001,"body":"the"},{"speaker":"Treichel","startTime":932.7750000000001,"endTime":933.2950000000001,"body":"highlights"},{"speaker":"Treichel","startTime":933.2950000000001,"endTime":933.465,"body":"of"},{"speaker":"Treichel","startTime":933.465,"endTime":933.6550000000001,"body":"the,"},{"speaker":"Treichel","startTime":933.6650000000001,"endTime":933.9150000000001,"body":"this"},{"speaker":"Treichel","startTime":933.9150000000001,"endTime":934.355,"body":"recent"},{"speaker":"Treichel","startTime":934.465,"endTime":934.815,"body":"letter"},{"speaker":"Treichel","startTime":934.824999,"endTime":935.0049990000001,"body":"that"},{"speaker":"Treichel","startTime":935.0050000000001,"endTime":935.2750000000001,"body":"we."},{"speaker":"Miller","startTime":935.495,"endTime":935.6650000000001,"body":"So"},{"speaker":"Miller","startTime":935.6650000000001,"endTime":935.715,"body":"I"},{"speaker":"Miller","startTime":935.715,"endTime":935.855,"body":"would"},{"speaker":"Miller","startTime":935.855,"endTime":936.0550000000001,"body":"say"},{"speaker":"Miller","startTime":936.0550000000001,"endTime":936.2750000000001,"body":"there's"},{"speaker":"Miller","startTime":936.2750000000001,"endTime":936.355,"body":"a"},{"speaker":"Miller","startTime":936.355,"endTime":936.7750000000001,"body":"couple"},{"speaker":"Miller","startTime":936.7750000000001,"endTime":937.065,"body":"main"},{"speaker":"Miller","startTime":937.075,"endTime":937.575,"body":"highlights"},{"speaker":"Miller","startTime":937.575,"endTime":937.695,"body":"in"},{"speaker":"Miller","startTime":937.695,"endTime":937.7950000000001,"body":"the"},{"speaker":"Miller","startTime":937.7950000000001,"endTime":938.075,"body":"letter."},{"speaker":"Miller","startTime":938.095,"endTime":938.365,"body":"First"},{"speaker":"Miller","startTime":938.365,"endTime":938.5250000000001,"body":"off,"},{"speaker":"Miller","startTime":938.5250000000001,"endTime":938.715,"body":"this"},{"speaker":"Miller","startTime":938.715,"endTime":939.1750000000001,"body":"applies"},{"speaker":"Miller","startTime":939.1750000000001,"endTime":939.495,"body":"mostly"},{"speaker":"Miller","startTime":939.495,"endTime":939.615,"body":"to"},{"speaker":"Miller","startTime":939.615,"endTime":939.975,"body":"credeans"},{"speaker":"Miller","startTime":939.975,"endTime":940.245,"body":"over"},{"speaker":"Miller","startTime":940.2850000000001,"endTime":940.5550000000001,"body":"50"},{"speaker":"Miller","startTime":940.5550000000001,"endTime":940.865,"body":"million."},{"speaker":"Miller","startTime":941.785,"endTime":941.955,"body":"So"},{"speaker":"Miller","startTime":941.955,"endTime":942.0749999999999,"body":"the"},{"speaker":"Miller","startTime":942.0749999999999,"endTime":942.4449999999999,"body":"smaller"},{"speaker":"Miller","startTime":942.4449999999999,"endTime":942.895,"body":"credeans,"},{"speaker":"Miller","startTime":942.905,"endTime":943.035,"body":"it"},{"speaker":"Miller","startTime":943.035,"endTime":943.375,"body":"doesn't"},{"speaker":"Miller","startTime":943.385,"endTime":943.885,"body":"impact"},{"speaker":"Miller","startTime":943.885,"endTime":944.105,"body":"them"},{"speaker":"Miller","startTime":944.105,"endTime":944.245,"body":"at"},{"speaker":"Miller","startTime":944.295,"endTime":944.685,"body":"all."},{"speaker":"Miller","startTime":944.705,"endTime":944.845,"body":"The"},{"speaker":"Miller","startTime":944.845,"endTime":945.185,"body":"letter"},{"speaker":"Miller","startTime":945.185,"endTime":945.425,"body":"does"},{"speaker":"Miller","startTime":945.425,"endTime":945.495,"body":"a"},{"speaker":"Miller","startTime":945.495,"endTime":945.885,"body":"number"},{"speaker":"Miller","startTime":945.885,"endTime":946.005,"body":"of"},{"speaker":"Miller","startTime":946.045,"endTime":946.485,"body":"things."},{"speaker":"Miller","startTime":946.5649999999999,"endTime":946.855,"body":"In"},{"speaker":"Miller","startTime":946.855,"endTime":947.285,"body":"the"},{"speaker":"Miller","startTime":947.495,"endTime":948.215,"body":"2016"},{"speaker":"Miller","startTime":948.215,"endTime":948.745,"body":"policy,"},{"speaker":"Miller","startTime":948.745,"endTime":948.935,"body":"they"},{"speaker":"Miller","startTime":948.935,"endTime":949.425,"body":"created"},{"speaker":"Miller","startTime":949.425,"endTime":949.595,"body":"this"},{"speaker":"Miller","startTime":949.605,"endTime":950.145,"body":"extreme"},{"speaker":"Miller","startTime":950.145,"endTime":950.395,"body":"risk"},{"speaker":"Miller","startTime":950.465,"endTime":951.135,"body":"category"},{"speaker":"Miller","startTime":951.5749989999999,"endTime":952.104999,"body":"where"},{"speaker":"Miller","startTime":952.115,"endTime":952.275,"body":"there"},{"speaker":"Miller","startTime":952.275,"endTime":952.505,"body":"was"},{"speaker":"Miller","startTime":952.505,"endTime":952.685,"body":"no"},{"speaker":"Miller","startTime":952.685,"endTime":952.995,"body":"ifs,"},{"speaker":"Miller","startTime":952.995,"endTime":953.265,"body":"ands,"},{"speaker":"Miller","startTime":953.265,"endTime":953.365,"body":"or"},{"speaker":"Miller","startTime":953.365,"endTime":953.745,"body":"buts."},{"speaker":"Miller","startTime":953.755,"endTime":953.925,"body":"You"},{"speaker":"Miller","startTime":953.925,"endTime":954.0549995,"body":"were"},{"speaker":"Miller","startTime":954.0549995,"endTime":954.254999,"body":"going"},{"speaker":"Miller","startTime":954.255,"endTime":954.355,"body":"to"},{"speaker":"Miller","startTime":954.355,"endTime":954.525,"body":"get"},{"speaker":"Miller","startTime":954.525,"endTime":954.585,"body":"a"},{"speaker":"Miller","startTime":954.585,"endTime":955.105,"body":"document"},{"speaker":"Miller","startTime":955.105,"endTime":955.125,"body":"of"},{"speaker":"Miller","startTime":955.175,"endTime":956.005,"body":"resolution"},{"speaker":"Miller","startTime":956.0051,"endTime":956.3949,"body":"if"},{"speaker":"Miller","startTime":956.395,"endTime":956.995,"body":"NCUA"},{"speaker":"Miller","startTime":956.995,"endTime":957.885,"body":"supervisory"},{"speaker":"Miller","startTime":957.885,"endTime":958.225,"body":"tests"},{"speaker":"Miller","startTime":958.225,"endTime":958.735,"body":"determined"},{"speaker":"Miller","startTime":958.745,"endTime":958.915,"body":"your"},{"speaker":"Miller","startTime":958.915,"endTime":959.135,"body":"risk"},{"speaker":"Miller","startTime":959.145,"endTime":959.3149999999999,"body":"was"},{"speaker":"Miller","startTime":959.3149999999999,"endTime":959.755,"body":"extreme."},{"speaker":"Miller","startTime":960.5249999999999,"endTime":960.9049999999999,"body":"Using"},{"speaker":"Miller","startTime":960.9049999999999,"endTime":961.0749999999999,"body":"their"},{"speaker":"Miller","startTime":961.0749999999999,"endTime":961.4549999999999,"body":"1"},{"speaker":"Miller","startTime":961.4550999999999,"endTime":961.5048999999999,"body":"and"},{"speaker":"Miller","startTime":961.5049999999999,"endTime":961.7049999999999,"body":"4"},{"speaker":"Miller","startTime":961.7049999999999,"endTime":962.055,"body":"percent"},{"speaker":"Miller","startTime":962.055,"endTime":962.295,"body":"non"},{"speaker":"Miller","startTime":962.295,"endTime":962.7149999999999,"body":"maturity"},{"speaker":"Miller","startTime":962.7149999999999,"endTime":963.1149999999999,"body":"shares."},{"speaker":"Miller","startTime":963.3749999999999,"endTime":963.5649999999999,"body":"It"},{"speaker":"Miller","startTime":963.5649999999999,"endTime":963.805,"body":"does"},{"speaker":"Miller","startTime":963.805,"endTime":964.1349999999999,"body":"away"},{"speaker":"Miller","startTime":964.1349999999999,"endTime":964.3349999999999,"body":"with"},{"speaker":"Miller","startTime":964.3349999999999,"endTime":964.5149999999999,"body":"that"},{"speaker":"Miller","startTime":964.5149999999999,"endTime":965.0849999999999,"body":"entire"},{"speaker":"Miller","startTime":965.0849999999999,"endTime":965.6149999999999,"body":"extreme"},{"speaker":"Miller","startTime":965.6149999999999,"endTime":965.8149999999999,"body":"risk"},{"speaker":"Miller","startTime":965.8149999999999,"endTime":966.1449999999999,"body":"rating."},{"speaker":"Miller","startTime":966.2349999999999,"endTime":966.4549999999999,"body":"It's"},{"speaker":"Miller","startTime":966.4949999999999,"endTime":966.7149999999999,"body":"gone."},{"speaker":"Miller","startTime":966.7249999999999,"endTime":966.9049999999999,"body":"They've"},{"speaker":"Miller","startTime":966.9049999999999,"endTime":967.0749999999999,"body":"just"},{"speaker":"Miller","startTime":967.0749999999999,"endTime":967.6149999999999,"body":"eliminated"},{"speaker":"Miller","startTime":967.6149999999999,"endTime":967.6349999999999,"body":"it."},{"speaker":"Miller","startTime":967.8149999999999,"endTime":968.0349999999999,"body":"Now"},{"speaker":"Miller","startTime":968.0349999999999,"endTime":968.1449999999999,"body":"we"},{"speaker":"Miller","startTime":968.1449999999999,"endTime":968.3349999999999,"body":"just"},{"speaker":"Miller","startTime":968.3349999999999,"endTime":968.5849999999999,"body":"have"},{"speaker":"Miller","startTime":968.5849999999999,"endTime":968.7849994999999,"body":"low,"},{"speaker":"Miller","startTime":968.7849994999999,"endTime":969.1449989999999,"body":"medium,"},{"speaker":"Miller","startTime":969.1449999999999,"endTime":969.305,"body":"high."},{"speaker":"Miller","startTime":969.4949999999999,"endTime":969.8149999999999,"body":"So,"},{"speaker":"Miller","startTime":970.055,"endTime":970.2449999999999,"body":"they've"},{"speaker":"Miller","startTime":970.2549999999999,"endTime":970.9749999999999,"body":"eliminated"},{"speaker":"Miller","startTime":970.9749999999999,"endTime":971.1549994999999,"body":"that"},{"speaker":"Miller","startTime":971.1549994999999,"endTime":971.934999,"body":"entire"},{"speaker":"Miller","startTime":971.9649999999999,"endTime":972.3249994999999,"body":"risk"},{"speaker":"Miller","startTime":972.3249994999999,"endTime":972.7049989999999,"body":"rating,"},{"speaker":"Miller","startTime":972.7149999999999,"endTime":972.9449994999999,"body":"which"},{"speaker":"Miller","startTime":972.9449994999999,"endTime":973.1549989999999,"body":"was"},{"speaker":"Miller","startTime":973.1549989999999,"endTime":973.7249989999999,"body":"appropriate."},{"speaker":"Miller","startTime":974.9149999999998,"endTime":975.4949999999999,"body":"Policy"},{"speaker":"Miller","startTime":975.4949999999999,"endTime":975.6449994999999,"body":"in"},{"speaker":"Miller","startTime":975.6449994999999,"endTime":976.4549989999999,"body":"2016"},{"speaker":"Miller","startTime":976.4549999999999,"endTime":976.7849999999999,"body":"also"},{"speaker":"Miller","startTime":976.7849999999999,"endTime":976.9849999999999,"body":"took"},{"speaker":"Miller","startTime":976.9849999999999,"endTime":977.2349999999999,"body":"away"},{"speaker":"Miller","startTime":977.2349999999999,"endTime":977.8649999999999,"body":"examiner"},{"speaker":"Miller","startTime":977.8749989999999,"endTime":978.5949989999999,"body":"flexibility."},{"speaker":"Miller","startTime":978.6149989999999,"endTime":978.7949989999998,"body":"They"},{"speaker":"Miller","startTime":978.7949989999998,"endTime":978.9549989999999,"body":"were"},{"speaker":"Miller","startTime":978.9549989999999,"endTime":979.2549989999999,"body":"not"},{"speaker":"Miller","startTime":979.2649999999999,"endTime":979.7049994999999,"body":"allowed"},{"speaker":"Miller","startTime":979.7049994999999,"endTime":979.8849989999999,"body":"to"},{"speaker":"Miller","startTime":979.8949989999999,"endTime":980.2449989999999,"body":"alter"},{"speaker":"Miller","startTime":980.2649999999999,"endTime":980.4349999999998,"body":"that"},{"speaker":"Miller","startTime":980.4349999999998,"endTime":980.9149999999998,"body":"rating."},{"speaker":"Miller","startTime":981.4799999999999,"endTime":981.6399999999999,"body":"at"},{"speaker":"Miller","startTime":981.65,"endTime":982.05,"body":"all."},{"speaker":"Miller","startTime":982.0899999999999,"endTime":982.2099999999999,"body":"It"},{"speaker":"Miller","startTime":982.2099999999999,"endTime":982.3799999999999,"body":"was"},{"speaker":"Miller","startTime":982.3799999999999,"endTime":982.43,"body":"a"},{"speaker":"Miller","startTime":982.43,"endTime":983.0799999999999,"body":"numerical"},{"speaker":"Miller","startTime":983.0799999999999,"endTime":983.56,"body":"rating."},{"speaker":"Miller","startTime":984.2199999999999,"endTime":984.8599999999999,"body":"This"},{"speaker":"Miller","startTime":984.9899999999999,"endTime":985.4,"body":"new"},{"speaker":"Miller","startTime":985.41,"endTime":985.9599999999999,"body":"guidance"},{"speaker":"Miller","startTime":985.9599999999999,"endTime":986.0999999999999,"body":"in"},{"speaker":"Miller","startTime":986.0999999999999,"endTime":986.2099999999999,"body":"the"},{"speaker":"Miller","startTime":986.2099999999999,"endTime":986.6199999999999,"body":"letter,"},{"speaker":"Miller","startTime":986.6299999999999,"endTime":986.8599999999999,"body":"it"},{"speaker":"Miller","startTime":986.9,"endTime":987.2299999999999,"body":"gives"},{"speaker":"Miller","startTime":987.2299999999999,"endTime":987.41,"body":"the"},{"speaker":"Miller","startTime":987.41,"endTime":988.2199999999999,"body":"examiner"},{"speaker":"Miller","startTime":988.2199999999999,"endTime":988.4999999999999,"body":"some"},{"speaker":"Miller","startTime":988.4999999999999,"endTime":988.9799999999999,"body":"judgment"},{"speaker":"Miller","startTime":988.9899999999999,"endTime":989.17,"body":"back."},{"speaker":"Miller","startTime":989.7899999999998,"endTime":990.0999999999999,"body":"Now,"},{"speaker":"Miller","startTime":990.1399999999999,"endTime":990.3399994999999,"body":"it"},{"speaker":"Miller","startTime":990.3399994999999,"endTime":990.5899989999999,"body":"does"},{"speaker":"Miller","startTime":990.5899989999999,"endTime":990.929999,"body":"say"},{"speaker":"Miller","startTime":990.93,"endTime":991.0499994999999,"body":"it"},{"speaker":"Miller","startTime":991.0499994999999,"endTime":991.2499989999999,"body":"should"},{"speaker":"Miller","startTime":991.2599999999999,"endTime":991.4199994999999,"body":"be"},{"speaker":"Miller","startTime":991.4199994999999,"endTime":991.7099989999999,"body":"rare"},{"speaker":"Miller","startTime":991.7099989999999,"endTime":991.8599989999999,"body":"for"},{"speaker":"Miller","startTime":991.8599999999999,"endTime":992.1199999999999,"body":"credit"},{"speaker":"Miller","startTime":992.1299989999999,"endTime":992.3999989999999,"body":"unions"},{"speaker":"Miller","startTime":992.3999999999999,"endTime":992.5299999999999,"body":"to"},{"speaker":"Miller","startTime":992.5299999999999,"endTime":992.9099999999999,"body":"lower"},{"speaker":"Miller","startTime":992.9099999999999,"endTime":993.1299994999999,"body":"that"},{"speaker":"Miller","startTime":993.1299994999999,"endTime":993.3799989999999,"body":"risk"},{"speaker":"Miller","startTime":993.3799989999999,"endTime":993.8299989999999,"body":"rating,"},{"speaker":"Miller","startTime":994.3,"endTime":994.65,"body":"but"},{"speaker":"Miller","startTime":994.6999999999999,"endTime":994.9399999999999,"body":"it"},{"speaker":"Miller","startTime":994.9499999999999,"endTime":995.41,"body":"does"},{"speaker":"Miller","startTime":995.42,"endTime":995.76,"body":"create"},{"speaker":"Miller","startTime":995.76,"endTime":995.86,"body":"an"},{"speaker":"Miller","startTime":995.86,"endTime":996.76,"body":"environment"},{"speaker":"Miller","startTime":996.769999,"endTime":997.139999,"body":"where"},{"speaker":"Miller","startTime":997.15,"endTime":997.4499999999999,"body":"they"},{"speaker":"Miller","startTime":997.4599999999999,"endTime":997.81,"body":"can."},{"speaker":"Miller","startTime":998.3499989999999,"endTime":998.539999,"body":"And"},{"speaker":"Miller","startTime":998.54,"endTime":998.64,"body":"then,"},{"speaker":"Miller","startTime":998.64,"endTime":998.6899999999999,"body":"of"},{"speaker":"Miller","startTime":998.740001,"endTime":999.0700005,"body":"course,"},{"speaker":"Miller","startTime":999.0700005,"endTime":999.1999999999999,"body":"the"},{"speaker":"Miller","startTime":999.2199999999999,"endTime":999.9,"body":"absolute"},{"speaker":"Miller","startTime":999.9599999999999,"endTime":1000.5699999999999,"body":"largest"},{"speaker":"Miller","startTime":1000.5699999999999,"endTime":1000.7699994999999,"body":"thing"},{"speaker":"Miller","startTime":1000.7699994999999,"endTime":1000.889999,"body":"it"},{"speaker":"Miller","startTime":1000.89,"endTime":1001.3199999999999,"body":"does"},{"speaker":"Miller","startTime":1001.3299999999999,"endTime":1001.5699999999999,"body":"is"},{"speaker":"Miller","startTime":1001.9699999999999,"endTime":1002.11,"body":"the"},{"speaker":"Miller","startTime":1002.11,"endTime":1002.89,"body":"2016"},{"speaker":"Miller","startTime":1002.91,"endTime":1003.42,"body":"guidance"},{"speaker":"Miller","startTime":1003.4499999999999,"endTime":1004.04,"body":"required"},{"speaker":"Miller","startTime":1004.04,"endTime":1004.0999999999999,"body":"a"},{"speaker":"Miller","startTime":1004.0999999999999,"endTime":1004.52,"body":"document"},{"speaker":"Miller","startTime":1004.52,"endTime":1004.54,"body":"of"},{"speaker":"Miller","startTime":1004.56,"endTime":1005.2299999999999,"body":"resolution"},{"speaker":"Miller","startTime":1005.24,"endTime":1005.4599999999999,"body":"and"},{"speaker":"Miller","startTime":1005.4599999999999,"endTime":1005.53,"body":"a"},{"speaker":"Miller","startTime":1005.53,"endTime":1005.79,"body":"de"},{"speaker":"Miller","startTime":1005.79,"endTime":1006.3,"body":"risking"},{"speaker":"Miller","startTime":1006.3199999999999,"endTime":1006.93,"body":"plan."},{"speaker":"Miller","startTime":1007.4899999999999,"endTime":1007.89,"body":"That"},{"speaker":"Miller","startTime":1007.89,"endTime":1008.15,"body":"has"},{"speaker":"Miller","startTime":1008.15,"endTime":1008.3599999999999,"body":"done"},{"speaker":"Miller","startTime":1008.3599999999999,"endTime":1008.65,"body":"away"},{"speaker":"Miller","startTime":1008.65,"endTime":1008.93,"body":"with."},{"speaker":"Miller","startTime":1009.2599999999999,"endTime":1009.5499999999998,"body":"They've"},{"speaker":"Miller","startTime":1009.5599999999998,"endTime":1010.1299999999999,"body":"created"},{"speaker":"Miller","startTime":1010.1299999999999,"endTime":1010.4299999999998,"body":"some"},{"speaker":"Miller","startTime":1010.4299999999998,"endTime":1011.0699994999999,"body":"specific"},{"speaker":"Miller","startTime":1011.0699994999999,"endTime":1011.8999989999999,"body":"criteria"},{"speaker":"Miller","startTime":1011.9099999999999,"endTime":1012.6699999999998,"body":"where"},{"speaker":"Miller","startTime":1013.0899999999999,"endTime":1013.1799999999998,"body":"A"},{"speaker":"Miller","startTime":1013.1799999999998,"endTime":1013.6899999999999,"body":"document"},{"speaker":"Miller","startTime":1013.6899999999999,"endTime":1013.8199999999999,"body":"of"},{"speaker":"Miller","startTime":1013.8199999999999,"endTime":1014.6299999999999,"body":"resolution"},{"speaker":"Miller","startTime":1014.6699999999998,"endTime":1014.8799999999999,"body":"is"},{"speaker":"Miller","startTime":1014.8799999999999,"endTime":1015.4299999999998,"body":"still"},{"speaker":"Miller","startTime":1015.4699999999999,"endTime":1016.0999999999999,"body":"appropriate,"},{"speaker":"Miller","startTime":1016.1499999999999,"endTime":1016.3499999999999,"body":"but"},{"speaker":"Miller","startTime":1016.3499999999999,"endTime":1016.4899999999999,"body":"for"},{"speaker":"Miller","startTime":1016.4899999999999,"endTime":1016.5599999999998,"body":"a"},{"speaker":"Miller","startTime":1016.5599999999998,"endTime":1016.7599999999999,"body":"lot"},{"speaker":"Miller","startTime":1016.7599999999999,"endTime":1016.8399999999999,"body":"of"},{"speaker":"Miller","startTime":1016.8399999999999,"endTime":1017.1999999999999,"body":"credit"},{"speaker":"Miller","startTime":1017.1999999999999,"endTime":1017.6899999999999,"body":"unions,"},{"speaker":"Miller","startTime":1018.26,"endTime":1018.5,"body":"not"},{"speaker":"Miller","startTime":1018.5,"endTime":1018.65,"body":"for"},{"speaker":"Miller","startTime":1018.65,"endTime":1018.72,"body":"a"},{"speaker":"Miller","startTime":1018.72,"endTime":1019.04,"body":"lot,"},{"speaker":"Miller","startTime":1019.0799999999999,"endTime":1019.1999999999999,"body":"it's"},{"speaker":"Miller","startTime":1019.1999999999999,"endTime":1019.41,"body":"hard"},{"speaker":"Miller","startTime":1019.41,"endTime":1019.5,"body":"to"},{"speaker":"Miller","startTime":1019.5,"endTime":1019.8399999999999,"body":"judge."},{"speaker":"Miller","startTime":1019.86,"endTime":1019.97,"body":"For"},{"speaker":"Miller","startTime":1019.97,"endTime":1020.2099999999999,"body":"many"},{"speaker":"Miller","startTime":1020.2099999999999,"endTime":1020.47,"body":"credit"},{"speaker":"Miller","startTime":1020.47,"endTime":1021.03,"body":"unions,"},{"speaker":"Miller","startTime":1021.63,"endTime":1021.7199999999999,"body":"the"},{"speaker":"Miller","startTime":1021.7199999999999,"endTime":1022.1099999999999,"body":"document"},{"speaker":"Miller","startTime":1022.1099999999999,"endTime":1022.13,"body":"of"},{"speaker":"Miller","startTime":1022.159999,"endTime":1022.9499989999999,"body":"resolution"},{"speaker":"Miller","startTime":1023.0799999999999,"endTime":1023.3199999999999,"body":"is"},{"speaker":"Miller","startTime":1023.3299999999999,"endTime":1023.75,"body":"probably"},{"speaker":"Miller","startTime":1023.75,"endTime":1024.06,"body":"not"},{"speaker":"Miller","startTime":1024.06,"endTime":1024.3,"body":"going"},{"speaker":"Miller","startTime":1024.31,"endTime":1024.41,"body":"to"},{"speaker":"Miller","startTime":1024.42,"endTime":1024.61,"body":"be"},{"speaker":"Miller","startTime":1024.61,"endTime":1025.21,"body":"appropriate."},{"speaker":"Miller","startTime":1025.23,"endTime":1025.61,"body":"They"},{"speaker":"Miller","startTime":1025.619999,"endTime":1025.859999,"body":"laid"},{"speaker":"Miller","startTime":1025.86,"endTime":1026.05,"body":"out"},{"speaker":"Miller","startTime":1026.08,"endTime":1026.7,"body":"conditions"},{"speaker":"Miller","startTime":1026.73,"endTime":1026.88,"body":"for"},{"speaker":"Miller","startTime":1026.88,"endTime":1027.35,"body":"when"},{"speaker":"Miller","startTime":1027.359999,"endTime":1027.589999,"body":"they"},{"speaker":"Miller","startTime":1027.59,"endTime":1027.88,"body":"might"},{"speaker":"Miller","startTime":1027.88,"endTime":1028.33,"body":"still"},{"speaker":"Miller","startTime":1028.34,"endTime":1028.6099995,"body":"need"},{"speaker":"Miller","startTime":1028.6099995,"endTime":1028.679999,"body":"a"},{"speaker":"Miller","startTime":1028.68,"endTime":1029.14,"body":"document"},{"speaker":"Miller","startTime":1029.14,"endTime":1029.19,"body":"of"},{"speaker":"Miller","startTime":1029.19,"endTime":1029.91,"body":"resolution,"},{"speaker":"Miller","startTime":1030.349999,"endTime":1030.479999,"body":"and"},{"speaker":"Miller","startTime":1030.48,"endTime":1030.72,"body":"that's"},{"speaker":"Miller","startTime":1030.7699989999999,"endTime":1031.139999,"body":"undue"},{"speaker":"Miller","startTime":1031.1399999999999,"endTime":1031.48,"body":"risk"},{"speaker":"Miller","startTime":1031.5,"endTime":1031.6399999999999,"body":"to"},{"speaker":"Miller","startTime":1031.6399999999999,"endTime":1031.78,"body":"the"},{"speaker":"Miller","startTime":1031.78,"endTime":1032.32,"body":"insurance"},{"speaker":"Miller","startTime":1032.33,"endTime":1032.8,"body":"fund."},{"speaker":"Miller","startTime":1032.85,"endTime":1032.95,"body":"A"},{"speaker":"Miller","startTime":1032.95,"endTime":1033.29,"body":"credit"},{"speaker":"Miller","startTime":1033.29,"endTime":1033.47,"body":"union"},{"speaker":"Miller","startTime":1033.47,"endTime":1033.77,"body":"really"},{"speaker":"Miller","startTime":1033.77,"endTime":1034.0800000000002,"body":"hasn't"},{"speaker":"Miller","startTime":1034.1100000000001,"endTime":1034.65,"body":"reacted"},{"speaker":"Miller","startTime":1034.65,"endTime":1035.3700000000001,"body":"appropriately"},{"speaker":"Miller","startTime":1035.3700000000001,"endTime":1035.5700000000002,"body":"to"},{"speaker":"Miller","startTime":1035.5700000000002,"endTime":1035.8600000000001,"body":"these"},{"speaker":"Miller","startTime":1035.8600000000001,"endTime":1036.26,"body":"rising"},{"speaker":"Miller","startTime":1036.26,"endTime":1036.6200000000001,"body":"interest"},{"speaker":"Miller","startTime":1036.6200000000001,"endTime":1036.8,"body":"rates."},{"speaker":"Miller","startTime":1037.0500000000002,"endTime":1037.5300000000002,"body":"Risks."},{"speaker":"Miller","startTime":1037.5800000000002,"endTime":1037.8100000000002,"body":"It's"},{"speaker":"Miller","startTime":1037.8100000000002,"endTime":1037.8600000000001,"body":"a"},{"speaker":"Miller","startTime":1037.8600000000001,"endTime":1038.1000000000001,"body":"big"},{"speaker":"Miller","startTime":1038.1100000000001,"endTime":1038.42,"body":"change"},{"speaker":"Miller","startTime":1038.42,"endTime":1038.5600000000002,"body":"in"},{"speaker":"Miller","startTime":1038.5600000000002,"endTime":1038.88,"body":"risk"},{"speaker":"Miller","startTime":1038.88,"endTime":1039.1000000000001,"body":"rating"},{"speaker":"Miller","startTime":1039.1000000000001,"endTime":1039.2300000000002,"body":"and"},{"speaker":"Miller","startTime":1039.2300000000002,"endTime":1039.42,"body":"should"},{"speaker":"Miller","startTime":1039.43,"endTime":1039.5500000000002,"body":"be"},{"speaker":"Miller","startTime":1039.5500000000002,"endTime":1039.89,"body":"talking"},{"speaker":"Miller","startTime":1039.9,"endTime":1040.3300000000002,"body":"about"},{"speaker":"Miller","startTime":1040.3300000000002,"endTime":1040.67,"body":"their"},{"speaker":"Miller","startTime":1040.69,"endTime":1041.16,"body":"various"},{"speaker":"Miller","startTime":1041.19,"endTime":1041.6000000000001,"body":"loan"},{"speaker":"Miller","startTime":1041.6000000000001,"endTime":1041.8000000000002,"body":"and"},{"speaker":"Miller","startTime":1042.1100000000001,"endTime":1042.67,"body":"investment"},{"speaker":"Miller","startTime":1042.67,"endTime":1042.8200000000002,"body":"and"},{"speaker":"Miller","startTime":1042.8200000000002,"endTime":1043.2500000000002,"body":"pricing"},{"speaker":"Miller","startTime":1043.2500000000002,"endTime":1043.88,"body":"strategies"},{"speaker":"Miller","startTime":1043.88,"endTime":1044.0200000000002,"body":"and"},{"speaker":"Miller","startTime":1044.0300000000002,"endTime":1044.16,"body":"they"},{"speaker":"Miller","startTime":1044.16,"endTime":1044.7300000000002,"body":"probably"},{"speaker":"Miller","startTime":1044.7300000000002,"endTime":1044.96,"body":"need"},{"speaker":"Miller","startTime":1044.96,"endTime":1045.0700000000002,"body":"to"},{"speaker":"Miller","startTime":1045.0700000000002,"endTime":1045.4699995,"body":"change"},{"speaker":"Miller","startTime":1045.4699995,"endTime":1045.819999,"body":"them"},{"speaker":"Miller","startTime":1046.049999,"endTime":1046.269999,"body":"or"},{"speaker":"Miller","startTime":1046.2700000000002,"endTime":1046.39,"body":"at"},{"speaker":"Miller","startTime":1046.39,"endTime":1046.8300000000002,"body":"least"},{"speaker":"Miller","startTime":1046.8300000000002,"endTime":1047.5099995,"body":"reassess"},{"speaker":"Miller","startTime":1047.5099995,"endTime":1047.6399990000002,"body":"them."},{"speaker":"Miller","startTime":1048.3600000000001,"endTime":1048.8600000000001,"body":"So"},{"speaker":"Miller","startTime":1048.8899990000002,"endTime":1049.1399990000002,"body":"there's"},{"speaker":"Miller","startTime":1049.1399990000002,"endTime":1049.2199990000001,"body":"a"},{"speaker":"Miller","startTime":1049.2199990000001,"endTime":1049.9899990000001,"body":"category"},{"speaker":"Miller","startTime":1049.9900000000002,"endTime":1050.2300000000002,"body":"of"},{"speaker":"Miller","startTime":1050.68,"endTime":1051.14,"body":"folks"},{"speaker":"Miller","startTime":1051.2499990000001,"endTime":1051.579999,"body":"that"},{"speaker":"Miller","startTime":1051.6000000000001,"endTime":1051.9,"body":"have"},{"speaker":"Miller","startTime":1051.9,"endTime":1052.22,"body":"not"},{"speaker":"Miller","startTime":1052.23,"endTime":1052.5200000000002,"body":"done"},{"speaker":"Miller","startTime":1052.5300000000002,"endTime":1052.8200000000002,"body":"that"},{"speaker":"Miller","startTime":1052.829999,"endTime":1053.109999,"body":"may"},{"speaker":"Miller","startTime":1053.1100000000001,"endTime":1053.43,"body":"still"},{"speaker":"Miller","startTime":1053.43,"endTime":1053.7099995,"body":"find"},{"speaker":"Miller","startTime":1053.7099995,"endTime":1054.329999,"body":"themselves"},{"speaker":"Miller","startTime":1054.3300000000002,"endTime":1054.5100000000002,"body":"with"},{"speaker":"Miller","startTime":1054.510001,"endTime":1054.6200000000001,"body":"the"},{"speaker":"Miller","startTime":1054.6200000000001,"endTime":1055.1599990000002,"body":"door,"},{"speaker":"Miller","startTime":1055.2099990000002,"endTime":1055.509999,"body":"even"},{"speaker":"Miller","startTime":1055.510001,"endTime":1055.6400005,"body":"at"},{"speaker":"Miller","startTime":1055.6400005,"endTime":1055.6799995000001,"body":"a"},{"speaker":"Miller","startTime":1055.6799995000001,"endTime":1055.9099990000002,"body":"high"},{"speaker":"Miller","startTime":1055.91,"endTime":1056.18,"body":"risk"},{"speaker":"Miller","startTime":1056.18,"endTime":1056.5800000000002,"body":"rating."},{"speaker":"Miller","startTime":1056.67,"endTime":1056.88,"body":"And"},{"speaker":"Miller","startTime":1056.88,"endTime":1057.0300000000002,"body":"then"},{"speaker":"Miller","startTime":1057.0300000000002,"endTime":1057.13,"body":"the"},{"speaker":"Miller","startTime":1057.17,"endTime":1057.5700000000002,"body":"third"},{"speaker":"Miller","startTime":1057.6100000000001,"endTime":1057.95,"body":"piece,"},{"speaker":"Miller","startTime":1057.95,"endTime":1058.1200000000001,"body":"and"},{"speaker":"Miller","startTime":1058.1200000000001,"endTime":1058.2800000000002,"body":"this"},{"speaker":"Miller","startTime":1058.2800000000002,"endTime":1058.49,"body":"has"},{"speaker":"Miller","startTime":1058.5,"endTime":1059,"body":"always"},{"speaker":"Miller","startTime":1059,"endTime":1059.21,"body":"been"},{"speaker":"Miller","startTime":1059.21,"endTime":1059.2900000000002,"body":"a"},{"speaker":"Miller","startTime":1059.2900000000002,"endTime":1059.73,"body":"reason"},{"speaker":"Miller","startTime":1059.74,"endTime":1059.93,"body":"for"},{"speaker":"Miller","startTime":1059.93,"endTime":1060.48,"body":"having"},{"speaker":"Miller","startTime":1060.48,"endTime":1060.5300000000002,"body":"a"},{"speaker":"Miller","startTime":1060.5300000000002,"endTime":1061.0200000000002,"body":"document"},{"speaker":"Miller","startTime":1061.0200000000002,"endTime":1061.0900000000001,"body":"or"},{"speaker":"Miller","startTime":1061.0900000000001,"endTime":1061.7900000000002,"body":"resolution."},{"speaker":"Miller","startTime":1062.42,"endTime":1062.65,"body":"It"},{"speaker":"Miller","startTime":1062.68,"endTime":1063.0400000000002,"body":"lays"},{"speaker":"Miller","startTime":1063.0400000000002,"endTime":1063.3700000000001,"body":"out"},{"speaker":"Miller","startTime":1063.41,"endTime":1063.5800000000002,"body":"if"},{"speaker":"Miller","startTime":1063.5800000000002,"endTime":1063.65,"body":"a"},{"speaker":"Miller","startTime":1063.65,"endTime":1064.1000000000001,"body":"criterion"},{"speaker":"Miller","startTime":1064.1000000000001,"endTime":1064.3700000000001,"body":"has"},{"speaker":"Miller","startTime":1064.3700000000001,"endTime":1065.0200000000002,"body":"material"},{"speaker":"Miller","startTime":1065.0400000000002,"endTime":1065.68,"body":"issues"},{"speaker":"Miller","startTime":1065.68,"endTime":1065.7700000000002,"body":"or"},{"speaker":"Miller","startTime":1065.7700000000002,"endTime":1066.5000000000002,"body":"weaknesses"},{"speaker":"Miller","startTime":1066.5000000000002,"endTime":1066.65,"body":"in"},{"speaker":"Miller","startTime":1066.65,"endTime":1066.8300000000002,"body":"their"},{"speaker":"Miller","startTime":1066.8300000000002,"endTime":1067.39,"body":"governance"},{"speaker":"Miller","startTime":1067.39,"endTime":1067.5400000000002,"body":"of"},{"speaker":"Miller","startTime":1067.5400000000002,"endTime":1068.0300000000002,"body":"risk."},{"speaker":"Miller","startTime":1068.5700000000002,"endTime":1068.88,"body":"And"},{"speaker":"Miller","startTime":1069.0900000000001,"endTime":1069.3400000000001,"body":"that's"},{"speaker":"Miller","startTime":1069.3500000000001,"endTime":1069.7500000000002,"body":"always"},{"speaker":"Miller","startTime":1069.7500000000002,"endTime":1070.3600000000001,"body":"required"},{"speaker":"Miller","startTime":1070.3600000000001,"endTime":1070.4900000000002,"body":"the"},{"speaker":"Miller","startTime":1070.5000000000002,"endTime":1071.17,"body":"door"},{"speaker":"Miller","startTime":1071.49,"endTime":1071.75,"body":"in"},{"speaker":"Miller","startTime":1071.75,"endTime":1072.3000000000002,"body":"regardless"},{"speaker":"Miller","startTime":1072.3300000000002,"endTime":1072.5,"body":"of"},{"speaker":"Miller","startTime":1072.5,"endTime":1072.66,"body":"the"},{"speaker":"Miller","startTime":1072.66,"endTime":1072.9799995,"body":"area."},{"speaker":"Miller","startTime":1072.9799995,"endTime":1073.1899990000002,"body":"So"},{"speaker":"Miller","startTime":1073.38,"endTime":1073.5800000000002,"body":"that's"},{"speaker":"Miller","startTime":1073.5800000000002,"endTime":1073.8499995,"body":"really"},{"speaker":"Miller","startTime":1073.8499995,"endTime":1074.049999,"body":"not"},{"speaker":"Miller","startTime":1074.0500000000002,"endTime":1074.0900000000001,"body":"a"},{"speaker":"Miller","startTime":1074.0900000000001,"endTime":1074.25,"body":"new"},{"speaker":"Miller","startTime":1074.28,"endTime":1074.76,"body":"policy."},{"speaker":"Miller","startTime":1074.76,"endTime":1074.92,"body":"It's"},{"speaker":"Miller","startTime":1074.92,"endTime":1075.18,"body":"just"},{"speaker":"Miller","startTime":1075.19,"endTime":1075.91,"body":"reaffirming"},{"speaker":"Miller","startTime":1075.92,"endTime":1076,"body":"a"},{"speaker":"Miller","startTime":1076,"endTime":1076.54,"body":"policy"},{"speaker":"Miller","startTime":1076.54,"endTime":1076.76,"body":"that's"},{"speaker":"Miller","startTime":1076.76,"endTime":1077.18,"body":"already"},{"speaker":"Miller","startTime":1077.2199990000001,"endTime":1077.6999990000002,"body":"existed."},{"speaker":"Miller","startTime":1078.11,"endTime":1078.25,"body":"But"},{"speaker":"Miller","startTime":1078.25,"endTime":1078.38,"body":"that"},{"speaker":"Miller","startTime":1078.38,"endTime":1078.54,"body":"was"},{"speaker":"Miller","startTime":1078.54,"endTime":1078.62,"body":"the"},{"speaker":"Miller","startTime":1078.62,"endTime":1078.91,"body":"biggest"},{"speaker":"Miller","startTime":1078.91,"endTime":1079.2899995,"body":"change"},{"speaker":"Miller","startTime":1079.2899995,"endTime":1079.409999,"body":"is"},{"speaker":"Miller","startTime":1079.41,"endTime":1079.57,"body":"they"},{"speaker":"Miller","startTime":1079.57,"endTime":1079.99,"body":"deleted"},{"speaker":"Miller","startTime":1080,"endTime":1080.1299995,"body":"the"},{"speaker":"Miller","startTime":1080.1299995,"endTime":1080.609999,"body":"extreme"},{"speaker":"Miller","startTime":1080.609999,"endTime":1080.959999,"body":"risk,"},{"speaker":"Miller","startTime":1080.99,"endTime":1081.25,"body":"gave"},{"speaker":"Miller","startTime":1081.25,"endTime":1081.39,"body":"their"},{"speaker":"Miller","startTime":1081.4,"endTime":1081.94,"body":"examiner"},{"speaker":"Miller","startTime":1081.94,"endTime":1082.39,"body":"judgment"},{"speaker":"Miller","startTime":1082.4,"endTime":1082.73,"body":"back."},{"speaker":"Miller","startTime":1083.26,"endTime":1083.78,"body":"Doors"},{"speaker":"Miller","startTime":1083.78,"endTime":1083.8799999999999,"body":"are"},{"speaker":"Miller","startTime":1083.8799999999999,"endTime":1084.24,"body":"not"},{"speaker":"Miller","startTime":1084.3,"endTime":1084.93,"body":"automatic."},{"speaker":"Miller","startTime":1084.97,"endTime":1085.17,"body":"Now"},{"speaker":"Miller","startTime":1085.17,"endTime":1085.33,"body":"they"},{"speaker":"Miller","startTime":1085.33,"endTime":1085.48,"body":"need"},{"speaker":"Miller","startTime":1085.48,"endTime":1085.53,"body":"a"},{"speaker":"Miller","startTime":1085.53,"endTime":1085.92,"body":"safety"},{"speaker":"Miller","startTime":1085.92,"endTime":1086.05,"body":"and"},{"speaker":"Miller","startTime":1086.05,"endTime":1086.45,"body":"soundness"},{"speaker":"Miller","startTime":1086.48,"endTime":1086.84,"body":"reason"},{"speaker":"Miller","startTime":1086.84,"endTime":1086.96,"body":"for"},{"speaker":"Miller","startTime":1086.96,"endTime":1087.31,"body":"giving"},{"speaker":"Miller","startTime":1087.31,"endTime":1087.48,"body":"you"},{"speaker":"Miller","startTime":1087.48,"endTime":1087.54,"body":"a"},{"speaker":"Miller","startTime":1087.54,"endTime":1087.92,"body":"door,"},{"speaker":"Miller","startTime":1088.06,"endTime":1088.72,"body":"basically."},{"speaker":"Treichel","startTime":1089.735,"endTime":1090.095,"body":"Got"},{"speaker":"Treichel","startTime":1090.095,"endTime":1090.2649999999999,"body":"it."},{"speaker":"Treichel","startTime":1091.335,"endTime":1091.625,"body":"You"},{"speaker":"Treichel","startTime":1091.625,"endTime":1091.975,"body":"also"},{"speaker":"Treichel","startTime":1091.975,"endTime":1092.5549999999998,"body":"mentioned"},{"speaker":"Treichel","startTime":1092.575,"endTime":1092.7949999999998,"body":"as"},{"speaker":"Treichel","startTime":1092.7949999999998,"endTime":1092.915,"body":"we"},{"speaker":"Treichel","startTime":1092.915,"endTime":1093.0549999999998,"body":"were"},{"speaker":"Treichel","startTime":1093.0549999999998,"endTime":1093.735,"body":"chatting"},{"speaker":"Treichel","startTime":1093.745,"endTime":1094.2849999999999,"body":"before"},{"speaker":"Treichel","startTime":1094.2849999999999,"endTime":1094.425,"body":"we"},{"speaker":"Treichel","startTime":1094.425,"endTime":1094.905,"body":"started,"},{"speaker":"Treichel","startTime":1094.935,"endTime":1095.2949999999998,"body":"before"},{"speaker":"Treichel","startTime":1095.2949999999998,"endTime":1095.345,"body":"I"},{"speaker":"Treichel","startTime":1095.345,"endTime":1095.5049999999999,"body":"hit"},{"speaker":"Treichel","startTime":1095.5049999999999,"endTime":1095.605,"body":"the"},{"speaker":"Treichel","startTime":1095.605,"endTime":1096.0649999999998,"body":"record"},{"speaker":"Treichel","startTime":1096.0649999999998,"endTime":1096.495,"body":"button,"},{"speaker":"Treichel","startTime":1096.725,"endTime":1097.175,"body":"that"},{"speaker":"Treichel","startTime":1097.185,"endTime":1097.5149999999999,"body":"there's"},{"speaker":"Treichel","startTime":1097.5149999999999,"endTime":1097.695,"body":"a"},{"speaker":"Treichel","startTime":1097.705,"endTime":1098.185,"body":"sentence"},{"speaker":"Treichel","startTime":1098.185,"endTime":1098.2549995,"body":"or"},{"speaker":"Treichel","startTime":1098.2549995,"endTime":1098.564999,"body":"two"},{"speaker":"Treichel","startTime":1098.5649999999998,"endTime":1098.705,"body":"in"},{"speaker":"Treichel","startTime":1098.705,"endTime":1098.8049999999998,"body":"the"},{"speaker":"Treichel","startTime":1098.8049999999998,"endTime":1099.435,"body":"letter"},{"speaker":"Treichel","startTime":1099.504999,"endTime":1099.744999,"body":"where"},{"speaker":"Treichel","startTime":1099.745,"endTime":1100.115,"body":"the"},{"speaker":"Treichel","startTime":1100.175,"endTime":1101.075,"body":"NCOA"},{"speaker":"Treichel","startTime":1101.955,"endTime":1102.5449999999998,"body":"equates"},{"speaker":"Treichel","startTime":1102.5449999999998,"endTime":1102.7949999999998,"body":"the"},{"speaker":"Treichel","startTime":1102.805,"endTime":1103.205,"body":"fact"},{"speaker":"Treichel","startTime":1103.205,"endTime":1103.365,"body":"of"},{"speaker":"Treichel","startTime":1103.365,"endTime":1103.8149994999999,"body":"asset"},{"speaker":"Treichel","startTime":1103.8149994999999,"endTime":1104.324999,"body":"growth"},{"speaker":"Treichel","startTime":1104.3949989999999,"endTime":1104.584999,"body":"and"},{"speaker":"Treichel","startTime":1104.585,"endTime":1105.425,"body":"complexity"},{"speaker":"Treichel","startTime":1105.425,"endTime":1105.6049994999998,"body":"and"},{"speaker":"Treichel","startTime":1105.6049994999998,"endTime":1105.994999,"body":"risk,"},{"speaker":"Treichel","startTime":1105.995,"endTime":1106.2549999999999,"body":"and"},{"speaker":"Treichel","startTime":1106.314999,"endTime":1106.454999,"body":"I"},{"speaker":"Treichel","startTime":1106.455,"endTime":1106.635,"body":"know"},{"speaker":"Treichel","startTime":1106.635,"endTime":1106.7949999999998,"body":"you"},{"speaker":"Treichel","startTime":1106.804999,"endTime":1106.994999,"body":"have"},{"speaker":"Treichel","startTime":1106.995,"endTime":1107.175,"body":"some"},{"speaker":"Treichel","startTime":1107.175,"endTime":1107.575,"body":"general"},{"speaker":"Treichel","startTime":1107.585,"endTime":1107.995,"body":"thoughts"},{"speaker":"Treichel","startTime":1107.995,"endTime":1108.1349995,"body":"on"},{"speaker":"Treichel","startTime":1108.1349995,"endTime":1108.504999,"body":"that,"},{"speaker":"Treichel","startTime":1108.954999,"endTime":1109.114999,"body":"on"},{"speaker":"Treichel","startTime":1109.115001,"endTime":1109.4350005,"body":"whether"},{"speaker":"Treichel","startTime":1109.4350005,"endTime":1109.4749995,"body":"or"},{"speaker":"Treichel","startTime":1109.4749995,"endTime":1109.804999,"body":"not"},{"speaker":"Treichel","startTime":1109.8849989999999,"endTime":1110.324999,"body":"that's,"},{"speaker":"Treichel","startTime":1110.434999,"endTime":1110.734999,"body":"that,"},{"speaker":"Treichel","startTime":1111.484999,"endTime":1111.774999,"body":"that,"},{"speaker":"Treichel","startTime":1112.024999,"endTime":1112.284999,"body":"is"},{"speaker":"Treichel","startTime":1112.285099,"endTime":1112.4849,"body":"that"},{"speaker":"Treichel","startTime":1112.485,"endTime":1112.5449999999998,"body":"a"},{"speaker":"Treichel","startTime":1112.5449999999998,"endTime":1113.245,"body":"truism"},{"speaker":"Treichel","startTime":1113.245,"endTime":1113.405,"body":"or"},{"speaker":"Treichel","startTime":1113.405,"endTime":1113.555,"body":"is"},{"speaker":"Treichel","startTime":1113.555,"endTime":1113.7749999999999,"body":"there,"},{"speaker":"Treichel","startTime":1113.7849999999999,"endTime":1113.965,"body":"is"},{"speaker":"Treichel","startTime":1113.965,"endTime":1114.105,"body":"it"},{"speaker":"Treichel","startTime":1114.105,"endTime":1114.165,"body":"a"},{"speaker":"Treichel","startTime":1114.165,"endTime":1114.375,"body":"little"},{"speaker":"Treichel","startTime":1114.375,"endTime":1114.555,"body":"bit"},{"speaker":"Treichel","startTime":1114.555,"endTime":1114.7549999999999,"body":"more"},{"speaker":"Miller","startTime":1116.975,"endTime":1117.275,"body":"I'll"},{"speaker":"Miller","startTime":1117.275,"endTime":1117.715,"body":"actually"},{"speaker":"Miller","startTime":1117.725,"endTime":1118.005,"body":"go,"},{"speaker":"Miller","startTime":1118.005,"endTime":1118.095,"body":"I"},{"speaker":"Miller","startTime":1118.095,"endTime":1118.305,"body":"have"},{"speaker":"Miller","startTime":1118.305,"endTime":1118.395,"body":"the"},{"speaker":"Miller","startTime":1118.395,"endTime":1118.705,"body":"letter"},{"speaker":"Miller","startTime":1118.705,"endTime":1118.835,"body":"right"},{"speaker":"Miller","startTime":1118.835,"endTime":1118.955,"body":"in"},{"speaker":"Miller","startTime":1118.975,"endTime":1119.185,"body":"front"},{"speaker":"Miller","startTime":1119.185,"endTime":1119.275,"body":"of"},{"speaker":"Miller","startTime":1119.275,"endTime":1119.395,"body":"me,"},{"speaker":"Miller","startTime":1119.395,"endTime":1119.585,"body":"so"},{"speaker":"Miller","startTime":1119.585,"endTime":1119.855,"body":"I'll"},{"speaker":"Miller","startTime":1119.885,"endTime":1120.385,"body":"read"},{"speaker":"Miller","startTime":1120.395,"endTime":1120.555,"body":"the"},{"speaker":"Miller","startTime":1120.555,"endTime":1121.085,"body":"sentence."},{"speaker":"Miller","startTime":1121.155,"endTime":1121.405,"body":"There's"},{"speaker":"Miller","startTime":1121.405,"endTime":1121.615,"body":"two"},{"speaker":"Miller","startTime":1121.615,"endTime":1122.205,"body":"sentences"},{"speaker":"Miller","startTime":1122.205,"endTime":1122.385,"body":"and"},{"speaker":"Miller","startTime":1122.795,"endTime":1122.975,"body":"then"},{"speaker":"Miller","startTime":1122.975,"endTime":1123.115,"body":"I'll"},{"speaker":"Miller","startTime":1123.115,"endTime":1123.405,"body":"chat"},{"speaker":"Miller","startTime":1123.405,"endTime":1123.605,"body":"with"},{"speaker":"Miller","startTime":1123.605,"endTime":1123.805,"body":"them"},{"speaker":"Miller","startTime":1123.805,"endTime":1124.205,"body":"about."},{"speaker":"Miller","startTime":1124.215,"endTime":1124.405,"body":"So"},{"speaker":"Miller","startTime":1124.405,"endTime":1124.515,"body":"the"},{"speaker":"Miller","startTime":1124.515,"endTime":1124.725,"body":"two"},{"speaker":"Miller","startTime":1124.725,"endTime":1125.2849995,"body":"sentences"},{"speaker":"Miller","startTime":1125.2849995,"endTime":1125.424999,"body":"in"},{"speaker":"Miller","startTime":1125.425,"endTime":1125.5349995,"body":"the"},{"speaker":"Miller","startTime":1125.5349995,"endTime":1125.964999,"body":"letter"},{"speaker":"Miller","startTime":1126.414999,"endTime":1126.6149990000001,"body":"says"},{"speaker":"Miller","startTime":1126.625,"endTime":1126.7449995,"body":"the"},{"speaker":"Miller","startTime":1126.7449995,"endTime":1127.164999,"body":"crediting"},{"speaker":"Miller","startTime":1127.164999,"endTime":1127.564999,"body":"system"},{"speaker":"Miller","startTime":1127.565,"endTime":1127.755,"body":"has"},{"speaker":"Miller","startTime":1127.755,"endTime":1128.375,"body":"experienced"},{"speaker":"Miller","startTime":1128.385,"endTime":1129.065,"body":"significant"},{"speaker":"Miller","startTime":1129.065,"endTime":1129.395,"body":"growth"},{"speaker":"Miller","startTime":1129.395,"endTime":1129.525,"body":"and"},{"speaker":"Miller","startTime":1129.525,"endTime":1130.2449995,"body":"complexity"},{"speaker":"Miller","startTime":1130.2449995,"endTime":1130.454999,"body":"over"},{"speaker":"Miller","startTime":1130.454999,"endTime":1130.574999,"body":"the"},{"speaker":"Miller","startTime":1130.574999,"endTime":1130.914999,"body":"past"},{"speaker":"Miller","startTime":1130.925,"endTime":1131.085,"body":"two"},{"speaker":"Miller","startTime":1131.085,"endTime":1131.615,"body":"years,"},{"speaker":"Miller","startTime":1132.015,"endTime":1132.165,"body":"with"},{"speaker":"Miller","startTime":1132.175,"endTime":1132.525,"body":"total"},{"speaker":"Miller","startTime":1132.525,"endTime":1132.9749995,"body":"assets"},{"speaker":"Miller","startTime":1132.9749995,"endTime":1133.394999,"body":"growing"},{"speaker":"Miller","startTime":1133.394999,"endTime":1133.6049990000001,"body":"by"},{"speaker":"Miller","startTime":1133.605,"endTime":1134.415,"body":"approximately"},{"speaker":"Miller","startTime":1134.555,"endTime":1135.365,"body":"25%."},{"speaker":"Miller","startTime":1136.44,"endTime":1136.71,"body":"As"},{"speaker":"Miller","startTime":1136.7400000000002,"endTime":1136.8600000000001,"body":"the"},{"speaker":"Miller","startTime":1136.8600000000001,"endTime":1137.2600000000002,"body":"system"},{"speaker":"Miller","startTime":1137.2600000000002,"endTime":1137.41,"body":"has"},{"speaker":"Miller","startTime":1137.41,"endTime":1137.7900000000002,"body":"grown,"},{"speaker":"Miller","startTime":1137.8200000000002,"endTime":1138.8400000000001,"body":"concentrations"},{"speaker":"Miller","startTime":1138.8400000000001,"endTime":1139.0400000000002,"body":"in"},{"speaker":"Miller","startTime":1139.0400000000002,"endTime":1139.4,"body":"longer"},{"speaker":"Miller","startTime":1139.4,"endTime":1139.95,"body":"maturity"},{"speaker":"Miller","startTime":1139.95,"endTime":1140.42,"body":"assets"},{"speaker":"Miller","startTime":1140.42,"endTime":1140.63,"body":"have"},{"speaker":"Miller","startTime":1140.64,"endTime":1141.6200000000001,"body":"significantly"},{"speaker":"Miller","startTime":1141.63,"endTime":1142.2900000000002,"body":"increased"},{"speaker":"Miller","startTime":1142.76,"endTime":1143.65,"body":"sensitivity"},{"speaker":"Miller","startTime":1143.65,"endTime":1143.8300000000002,"body":"to"},{"speaker":"Miller","startTime":1143.8300000000002,"endTime":1144.3400000000001,"body":"changes"},{"speaker":"Miller","startTime":1144.3400000000001,"endTime":1144.48,"body":"in"},{"speaker":"Miller","startTime":1144.48,"endTime":1144.89,"body":"interest"},{"speaker":"Miller","startTime":1144.89,"endTime":1145.3600000000001,"body":"rates."},{"speaker":"Miller","startTime":1146,"endTime":1146.49,"body":"So,"},{"speaker":"Miller","startTime":1147.145,"endTime":1147.365,"body":"They're"},{"speaker":"Miller","startTime":1147.365,"endTime":1147.875,"body":"talking"},{"speaker":"Miller","startTime":1147.885,"endTime":1148.375,"body":"about"},{"speaker":"Miller","startTime":1148.755,"endTime":1149.425,"body":"assets,"},{"speaker":"Miller","startTime":1149.425,"endTime":1149.595,"body":"and"},{"speaker":"Miller","startTime":1149.595,"endTime":1149.655,"body":"I"},{"speaker":"Miller","startTime":1149.655,"endTime":1149.895,"body":"guess"},{"speaker":"Miller","startTime":1149.945,"endTime":1150.535,"body":"NCUA"},{"speaker":"Miller","startTime":1150.535,"endTime":1150.605,"body":"has"},{"speaker":"Miller","startTime":1150.605,"endTime":1150.785,"body":"been"},{"speaker":"Miller","startTime":1150.785,"endTime":1151.015,"body":"doing"},{"speaker":"Miller","startTime":1151.015,"endTime":1151.205,"body":"this"},{"speaker":"Miller","startTime":1151.205,"endTime":1151.345,"body":"for"},{"speaker":"Miller","startTime":1151.345,"endTime":1151.415,"body":"a"},{"speaker":"Miller","startTime":1151.415,"endTime":1151.675,"body":"long"},{"speaker":"Miller","startTime":1151.675,"endTime":1152.025,"body":"time"},{"speaker":"Miller","startTime":1152.025,"endTime":1152.175,"body":"to"},{"speaker":"Miller","startTime":1152.175,"endTime":1152.7350000000001,"body":"justify"},{"speaker":"Miller","startTime":1152.7350000000001,"endTime":1153.145,"body":"budget"},{"speaker":"Miller","startTime":1153.155,"endTime":1153.595,"body":"growth,"},{"speaker":"Miller","startTime":1154.005,"endTime":1154.125,"body":"to"},{"speaker":"Miller","startTime":1154.125,"endTime":1154.705,"body":"justify"},{"speaker":"Miller","startTime":1154.725,"endTime":1154.9149995,"body":"new"},{"speaker":"Miller","startTime":1154.9149995,"endTime":1155.774999,"body":"departments."},{"speaker":"Miller","startTime":1155.825,"endTime":1156.3249995,"body":"Assets"},{"speaker":"Miller","startTime":1156.3249995,"endTime":1156.404999,"body":"are"},{"speaker":"Miller","startTime":1156.414999,"endTime":1156.914999,"body":"growing,"},{"speaker":"Miller","startTime":1156.914999,"endTime":1157.074999,"body":"so"},{"speaker":"Miller","startTime":1157.074999,"endTime":1157.194999,"body":"the"},{"speaker":"Miller","startTime":1157.204999,"endTime":1157.454999,"body":"world"},{"speaker":"Miller","startTime":1157.454999,"endTime":1157.6149990000001,"body":"is"},{"speaker":"Miller","startTime":1157.625,"endTime":1157.885,"body":"getting"},{"speaker":"Miller","startTime":1157.885,"endTime":1158.055,"body":"more"},{"speaker":"Miller","startTime":1158.055,"endTime":1158.765,"body":"complex."},{"speaker":"Miller","startTime":1159.355,"endTime":1159.565,"body":"And"},{"speaker":"Miller","startTime":1159.565,"endTime":1159.855,"body":"that's"},{"speaker":"Miller","startTime":1159.865,"endTime":1160.2150000000001,"body":"not"},{"speaker":"Miller","startTime":1160.2450000000001,"endTime":1161.0849995,"body":"necessarily"},{"speaker":"Miller","startTime":1161.0849995,"endTime":1161.204999,"body":"the"},{"speaker":"Miller","startTime":1161.2050000000002,"endTime":1161.605,"body":"case,"},{"speaker":"Miller","startTime":1161.615,"endTime":1161.7450000000001,"body":"and"},{"speaker":"Miller","startTime":1161.7450000000001,"endTime":1161.905,"body":"in"},{"speaker":"Miller","startTime":1161.905,"endTime":1162.4550000000002,"body":"here,"},{"speaker":"Miller","startTime":1162.464999,"endTime":1162.894999,"body":"that,"},{"speaker":"Miller","startTime":1162.9450000000002,"endTime":1163.1750000000002,"body":"those"},{"speaker":"Miller","startTime":1163.2050000000002,"endTime":1163.375,"body":"two"},{"speaker":"Miller","startTime":1163.375,"endTime":1163.9850000000001,"body":"sentences"},{"speaker":"Miller","startTime":1164.025,"endTime":1164.545,"body":"infer"},{"speaker":"Miller","startTime":1164.545,"endTime":1164.805,"body":"that"},{"speaker":"Miller","startTime":1164.805,"endTime":1165.5949995,"body":"complexity"},{"speaker":"Miller","startTime":1165.5949995,"endTime":1165.754999,"body":"is"},{"speaker":"Miller","startTime":1165.765,"endTime":1166.4150000000002,"body":"increasing."},{"speaker":"Miller","startTime":1167.155,"endTime":1167.295,"body":"But"},{"speaker":"Miller","startTime":1167.295,"endTime":1167.395,"body":"the"},{"speaker":"Miller","startTime":1167.395,"endTime":1167.655,"body":"fact"},{"speaker":"Miller","startTime":1167.655,"endTime":1167.7450000000001,"body":"of"},{"speaker":"Miller","startTime":1167.7450000000001,"endTime":1167.805,"body":"the"},{"speaker":"Miller","startTime":1167.805,"endTime":1168.155,"body":"matter"},{"speaker":"Miller","startTime":1168.155,"endTime":1168.265,"body":"is,"},{"speaker":"Miller","startTime":1168.265,"endTime":1168.305,"body":"if"},{"speaker":"Miller","startTime":1168.305,"endTime":1168.325,"body":"you"},{"speaker":"Miller","startTime":1168.325,"endTime":1168.355,"body":"pull"},{"speaker":"Miller","startTime":1168.3551,"endTime":1168.4149,"body":"down"},{"speaker":"Miller","startTime":1168.4150000000002,"endTime":1169.7050000000002,"body":"NCUA's"},{"speaker":"Miller","startTime":1169.755,"endTime":1169.9650000000001,"body":"call"},{"speaker":"Miller","startTime":1169.9650000000001,"endTime":1170.545,"body":"reports"},{"speaker":"Miller","startTime":1170.555,"endTime":1170.7350000000001,"body":"for"},{"speaker":"Miller","startTime":1170.7350000000001,"endTime":1171.325,"body":"June,"},{"speaker":"Miller","startTime":1171.875,"endTime":1172.665,"body":"uh,"},{"speaker":"Miller","startTime":1172.9,"endTime":1173.25,"body":"This"},{"speaker":"Miller","startTime":1173.25,"endTime":1173.82,"body":"year,"},{"speaker":"Miller","startTime":1174.87,"endTime":1175.27,"body":"long"},{"speaker":"Miller","startTime":1175.27,"endTime":1175.59,"body":"term"},{"speaker":"Miller","startTime":1175.61,"endTime":1175.91,"body":"fixed"},{"speaker":"Miller","startTime":1175.91,"endTime":1176.15,"body":"rate"},{"speaker":"Miller","startTime":1176.15,"endTime":1176.35,"body":"real"},{"speaker":"Miller","startTime":1176.35,"endTime":1176.9,"body":"estate"},{"speaker":"Miller","startTime":1176.98,"endTime":1177.75,"body":"loans"},{"speaker":"Miller","startTime":1177.77,"endTime":1178.2,"body":"have"},{"speaker":"Miller","startTime":1178.6299999999999,"endTime":1179.05,"body":"moved"},{"speaker":"Miller","startTime":1179.08,"endTime":1179.36,"body":"from"},{"speaker":"Miller","startTime":1179.41,"endTime":1180.48,"body":"23."},{"speaker":"Miller","startTime":1180.7,"endTime":1180.71,"body":"2"},{"speaker":"Miller","startTime":1180.71,"endTime":1181.1,"body":"percent"},{"speaker":"Miller","startTime":1181.1,"endTime":1181.26,"body":"of"},{"speaker":"Miller","startTime":1181.26,"endTime":1181.67,"body":"assets"},{"speaker":"Miller","startTime":1181.67,"endTime":1181.79,"body":"in"},{"speaker":"Miller","startTime":1181.79,"endTime":1182.3,"body":"2018"},{"speaker":"Miller","startTime":1183.18,"endTime":1183.31,"body":"to"},{"speaker":"Miller","startTime":1183.31,"endTime":1183.6100000000001,"body":"22."},{"speaker":"Miller","startTime":1183.879999,"endTime":1184.9799990000001,"body":"39"},{"speaker":"Miller","startTime":1185.16,"endTime":1185.65,"body":"percent"},{"speaker":"Miller","startTime":1185.72,"endTime":1186.01,"body":"at"},{"speaker":"Miller","startTime":1186.049999,"endTime":1186.679999,"body":"June"},{"speaker":"Miller","startTime":1186.74,"endTime":1186.93,"body":"of"},{"speaker":"Miller","startTime":1186.94,"endTime":1187.52,"body":"2022."},{"speaker":"Miller","startTime":1188.1499999999999,"endTime":1188.31,"body":"So"},{"speaker":"Miller","startTime":1188.31,"endTime":1188.45,"body":"in"},{"speaker":"Miller","startTime":1188.45,"endTime":1188.73,"body":"four"},{"speaker":"Miller","startTime":1188.73,"endTime":1189.24,"body":"years."},{"speaker":"Miller","startTime":1189.9,"endTime":1190.5900000000001,"body":"Exposure"},{"speaker":"Miller","startTime":1190.6000000000001,"endTime":1190.7200000000003,"body":"to"},{"speaker":"Miller","startTime":1190.7200000000003,"endTime":1191.0600000000002,"body":"fixed"},{"speaker":"Miller","startTime":1191.0600000000002,"endTime":1191.3300000000002,"body":"rate"},{"speaker":"Miller","startTime":1191.3300000000002,"endTime":1191.5200000000002,"body":"real"},{"speaker":"Miller","startTime":1191.5200000000002,"endTime":1191.89,"body":"estate"},{"speaker":"Miller","startTime":1191.89,"endTime":1192.16,"body":"loans"},{"speaker":"Miller","startTime":1192.16,"endTime":1192.3100000000002,"body":"as"},{"speaker":"Miller","startTime":1192.3100000000002,"endTime":1192.3600000000001,"body":"a"},{"speaker":"Miller","startTime":1192.3600000000001,"endTime":1192.8200000000002,"body":"percentage"},{"speaker":"Miller","startTime":1192.8200000000002,"endTime":1192.9600000000003,"body":"of"},{"speaker":"Miller","startTime":1192.9600000000003,"endTime":1193.2800000000002,"body":"assets."},{"speaker":"Miller","startTime":1193.6100000000001,"endTime":1193.8100000000002,"body":"It's"},{"speaker":"Miller","startTime":1193.8500000000001,"endTime":1194.2600000000002,"body":"actually"},{"speaker":"Miller","startTime":1194.2600000000002,"endTime":1194.4600000000003,"body":"come"},{"speaker":"Miller","startTime":1194.4600000000003,"endTime":1194.6900000000003,"body":"down"},{"speaker":"Miller","startTime":1194.6900000000003,"endTime":1194.7600000000002,"body":"a"},{"speaker":"Miller","startTime":1194.7600000000002,"endTime":1195.0000000000002,"body":"little"},{"speaker":"Miller","startTime":1195.0000000000002,"endTime":1195.18,"body":"bit."},{"speaker":"Miller","startTime":1195.2400000000002,"endTime":1195.3600000000001,"body":"It"},{"speaker":"Miller","startTime":1195.3700000000001,"endTime":1195.8300000000002,"body":"hasn't"},{"speaker":"Miller","startTime":1195.8300000000002,"endTime":1196.0900000000001,"body":"gone"},{"speaker":"Miller","startTime":1196.0900000000001,"endTime":1196.3100000000002,"body":"up."},{"speaker":"Miller","startTime":1196.3200000000002,"endTime":1196.5400000000002,"body":"Now,"},{"speaker":"Miller","startTime":1196.5900000000001,"endTime":1196.8700000000001,"body":"total"},{"speaker":"Miller","startTime":1196.8700000000001,"endTime":1197.1000000000001,"body":"real"},{"speaker":"Miller","startTime":1197.1000000000001,"endTime":1197.4,"body":"estate"},{"speaker":"Miller","startTime":1197.4,"endTime":1197.6000000000001,"body":"loans"},{"speaker":"Miller","startTime":1197.6000000000001,"endTime":1197.7500000000002,"body":"have"},{"speaker":"Miller","startTime":1197.7500000000002,"endTime":1198.0100000000002,"body":"gone"},{"speaker":"Miller","startTime":1198.0100000000002,"endTime":1198.2200000000003,"body":"up,"},{"speaker":"Miller","startTime":1198.2600000000002,"endTime":1198.5300000000002,"body":"but"},{"speaker":"Miller","startTime":1198.89,"endTime":1199.0900000000001,"body":"as"},{"speaker":"Miller","startTime":1199.0900000000001,"endTime":1199.15,"body":"a"},{"speaker":"Miller","startTime":1199.15,"endTime":1199.68,"body":"percentage"},{"speaker":"Miller","startTime":1199.68,"endTime":1199.8200000000002,"body":"of"},{"speaker":"Miller","startTime":1199.8200000000002,"endTime":1200.42,"body":"assets,"},{"speaker":"Miller","startTime":1200.5000000000002,"endTime":1200.8700000000001,"body":"no,"},{"speaker":"Miller","startTime":1200.9099990000002,"endTime":1201.1499990000002,"body":"it's"},{"speaker":"Miller","startTime":1201.1599990000002,"endTime":1201.4299990000002,"body":"come"},{"speaker":"Miller","startTime":1201.43,"endTime":1201.7700000000002,"body":"down."},{"speaker":"Miller","startTime":1201.8500000000001,"endTime":1202.3200000000002,"body":"Another"},{"speaker":"Miller","startTime":1202.3300000000002,"endTime":1202.7800000000002,"body":"big"},{"speaker":"Miller","startTime":1203.6900000000003,"endTime":1204.0399995000002,"body":"piece"},{"speaker":"Miller","startTime":1204.0399995000002,"endTime":1204.2499990000003,"body":"of"},{"speaker":"Miller","startTime":1204.2499990000003,"endTime":1204.6699990000002,"body":"that"},{"speaker":"Miller","startTime":1204.7000000000003,"endTime":1205.5300000000002,"body":"is"},{"speaker":"Miller","startTime":1205.9,"endTime":1206.41,"body":"commercial"},{"speaker":"Miller","startTime":1206.41,"endTime":1206.91,"body":"loans"},{"speaker":"Miller","startTime":1206.93,"endTime":1207.1000000000001,"body":"because"},{"speaker":"Miller","startTime":1207.1000000000001,"endTime":1207.2099995,"body":"they"},{"speaker":"Miller","startTime":1207.2099995,"endTime":1207.4699990000001,"body":"throw"},{"speaker":"Miller","startTime":1207.4699990000001,"endTime":1207.599999,"body":"all"},{"speaker":"Miller","startTime":1207.6000000000001,"endTime":1207.8400000000001,"body":"these"},{"speaker":"Miller","startTime":1207.8400000000001,"endTime":1208.3300000000002,"body":"commercial"},{"speaker":"Miller","startTime":1208.3300000000002,"endTime":1208.6999995,"body":"loans"},{"speaker":"Miller","startTime":1208.6999995,"endTime":1208.919999,"body":"into"},{"speaker":"Miller","startTime":1208.92,"endTime":1209.2299995,"body":"long"},{"speaker":"Miller","startTime":1209.2299995,"endTime":1209.529999,"body":"term"},{"speaker":"Miller","startTime":1209.529999,"endTime":1210.089999,"body":"assets."},{"speaker":"Miller","startTime":1210.2299990000001,"endTime":1210.349999,"body":"They"},{"speaker":"Miller","startTime":1210.349999,"endTime":1210.589999,"body":"went"},{"speaker":"Miller","startTime":1210.589999,"endTime":1210.799999,"body":"from"},{"speaker":"Miller","startTime":1210.800099,"endTime":1211.8099,"body":"4."},{"speaker":"Miller","startTime":1211.8100000000002,"endTime":1212.01,"body":"88"},{"speaker":"Miller","startTime":1212.01,"endTime":1212.43,"body":"percent"},{"speaker":"Miller","startTime":1212.43,"endTime":1212.5700000000002,"body":"of"},{"speaker":"Miller","startTime":1212.5700000000002,"endTime":1212.98,"body":"assets"},{"speaker":"Miller","startTime":1212.98,"endTime":1213.0800000000002,"body":"in"},{"speaker":"Miller","startTime":1213.0800000000002,"endTime":1213.8600000000001,"body":"2018"},{"speaker":"Miller","startTime":1213.91,"endTime":1214.02,"body":"to"},{"speaker":"Miller","startTime":1214.02,"endTime":1214.80995,"body":"5."},{"speaker":"Miller","startTime":1214.80995,"endTime":1214.81005,"body":"88"},{"speaker":"Miller","startTime":1214.81005,"endTime":1214.8700000000001,"body":"percent"},{"speaker":"Miller","startTime":1214.89,"endTime":1215.22,"body":"today."},{"speaker":"Miller","startTime":1215.8650000000002,"endTime":1216.1450000000002,"body":"It's"},{"speaker":"Miller","startTime":1216.1850000000002,"endTime":1216.775,"body":"very"},{"speaker":"Miller","startTime":1216.775,"endTime":1217.0550000000003,"body":"much"},{"speaker":"Miller","startTime":1217.0550000000003,"endTime":1217.2150000000001,"body":"an"},{"speaker":"Miller","startTime":1217.2450000000001,"endTime":1218.3050000000003,"body":"insignificant"},{"speaker":"Miller","startTime":1218.3450000000003,"endTime":1219.1950000000002,"body":"change."},{"speaker":"Miller","startTime":1219.6150000000002,"endTime":1220.1150000000002,"body":"So"},{"speaker":"Miller","startTime":1220.1650000000002,"endTime":1220.5350000000003,"body":"it's"},{"speaker":"Miller","startTime":1220.5750000000003,"endTime":1220.8650000000002,"body":"one"},{"speaker":"Miller","startTime":1220.8650000000002,"endTime":1220.9550000000002,"body":"of"},{"speaker":"Miller","startTime":1220.9550000000002,"endTime":1221.1350000000002,"body":"those"},{"speaker":"Miller","startTime":1221.1350000000002,"endTime":1221.4250000000002,"body":"things,"},{"speaker":"Miller","startTime":1221.4250000000002,"endTime":1221.7850000000003,"body":"NCU,"},{"speaker":"Miller","startTime":1221.7850000000003,"endTime":1221.8150000000003,"body":"and"},{"speaker":"Miller","startTime":1221.8250000000003,"endTime":1221.9650000000001,"body":"they"},{"speaker":"Miller","startTime":1221.9650000000001,"endTime":1222.1850000000002,"body":"say"},{"speaker":"Miller","startTime":1222.1850000000002,"endTime":1222.3650000000002,"body":"that"},{"speaker":"Miller","startTime":1222.3650000000002,"endTime":1222.4150000000002,"body":"a"},{"speaker":"Miller","startTime":1222.4150000000002,"endTime":1222.7450000000003,"body":"lot,"},{"speaker":"Miller","startTime":1222.7450000000003,"endTime":1222.9050000000002,"body":"that"},{"speaker":"Miller","startTime":1222.9050000000002,"endTime":1223.2250000000001,"body":"growth"},{"speaker":"Miller","startTime":1223.2250000000001,"endTime":1223.7050000000002,"body":"equals"},{"speaker":"Miller","startTime":1223.7150000000001,"endTime":1224.5250000000003,"body":"complexity."},{"speaker":"Miller","startTime":1224.5250000000003,"endTime":1224.7750000000003,"body":"But"},{"speaker":"Miller","startTime":1225.1450000000002,"endTime":1225.4250000000002,"body":"really"},{"speaker":"Miller","startTime":1225.4250000000002,"endTime":1225.5650000000003,"body":"when"},{"speaker":"Miller","startTime":1225.5650000000003,"endTime":1225.6950000000002,"body":"you"},{"speaker":"Miller","startTime":1225.6950000000002,"endTime":1225.8950000000002,"body":"look"},{"speaker":"Miller","startTime":1225.8950000000002,"endTime":1226.0250000000003,"body":"at"},{"speaker":"Miller","startTime":1226.0250000000003,"endTime":1226.1850000000002,"body":"that"},{"speaker":"Miller","startTime":1226.1950000000002,"endTime":1226.5850000000003,"body":"balance"},{"speaker":"Miller","startTime":1226.5950000000003,"endTime":1226.8450000000003,"body":"sheet"},{"speaker":"Miller","startTime":1226.8450000000003,"endTime":1227.5950000000003,"body":"composition"},{"speaker":"Miller","startTime":1227.5950000000003,"endTime":1227.7450000000003,"body":"and"},{"speaker":"Miller","startTime":1227.7550000000003,"endTime":1227.9350000000002,"body":"how"},{"speaker":"Miller","startTime":1227.9350000000002,"endTime":1228.1250000000002,"body":"they're"},{"speaker":"Miller","startTime":1228.1550000000002,"endTime":1228.5750000000003,"body":"funding"},{"speaker":"Miller","startTime":1228.5850000000003,"endTime":1228.8150000000003,"body":"those"},{"speaker":"Miller","startTime":1228.8150000000003,"endTime":1229.1950000000002,"body":"assets,"},{"speaker":"Miller","startTime":1229.4750000000001,"endTime":1229.6149995000003,"body":"it"},{"speaker":"Miller","startTime":1229.6149995000003,"endTime":1229.9949990000002,"body":"hasn't"},{"speaker":"Miller","startTime":1230.0150000000003,"endTime":1230.4149995000002,"body":"really"},{"speaker":"Miller","startTime":1230.4149995000002,"endTime":1230.7349990000002,"body":"changed,"},{"speaker":"Miller","startTime":1231.0850000000003,"endTime":1231.3249995000003,"body":"they"},{"speaker":"Miller","startTime":1231.3249995000003,"endTime":1231.6049990000001,"body":"leave"},{"speaker":"Miller","startTime":1231.6050000000002,"endTime":1231.7950000000003,"body":"out"},{"speaker":"Miller","startTime":1231.7950000000003,"endTime":1231.9350000000002,"body":"the"},{"speaker":"Miller","startTime":1231.9450000000002,"endTime":1232.3650000000002,"body":"funding"},{"speaker":"Miller","startTime":1232.3650000000002,"endTime":1232.6349995000003,"body":"side"},{"speaker":"Miller","startTime":1232.6349995000003,"endTime":1232.7749990000002,"body":"of"},{"speaker":"Miller","startTime":1232.7750000000003,"endTime":1232.9350000000002,"body":"it,"},{"speaker":"Miller","startTime":1232.9450000000002,"endTime":1233.3350000000003,"body":"which"},{"speaker":"Miller","startTime":1233.3650000000002,"endTime":1233.7850000000003,"body":"hasn't"},{"speaker":"Miller","startTime":1233.7850000000003,"endTime":1234.0749995000003,"body":"gotten"},{"speaker":"Miller","startTime":1234.0749995000003,"endTime":1234.2749990000002,"body":"any"},{"speaker":"Miller","startTime":1234.2750000000003,"endTime":1234.4849995000002,"body":"more"},{"speaker":"Miller","startTime":1234.4849995000002,"endTime":1235.1449990000003,"body":"complex"},{"speaker":"Miller","startTime":1235.1850000000002,"endTime":1235.6350000000002,"body":"either."},{"speaker":"Miller","startTime":1235.6850000000002,"endTime":1235.7850000000003,"body":"I"},{"speaker":"Miller","startTime":1235.7850000000003,"endTime":1235.9950000000003,"body":"just"},{"speaker":"Miller","startTime":1235.9950000000003,"endTime":1236.2350000000004,"body":"find"},{"speaker":"Miller","startTime":1236.2350000000004,"endTime":1236.3750000000002,"body":"it"},{"speaker":"Miller","startTime":1236.3750000000002,"endTime":1236.9650000000001,"body":"interesting."},{"speaker":"Miller","startTime":1237.0250000000003,"endTime":1237.1850000000002,"body":"They"},{"speaker":"Miller","startTime":1237.1850000000002,"endTime":1237.4750000000001,"body":"throw"},{"speaker":"Miller","startTime":1237.4750000000001,"endTime":1237.6950000000002,"body":"that"},{"speaker":"Miller","startTime":1237.6950000000002,"endTime":1237.9550000000002,"body":"into"},{"speaker":"Miller","startTime":1237.9550000000002,"endTime":1238.1450000000002,"body":"all"},{"speaker":"Miller","startTime":1238.1450000000002,"endTime":1238.3050000000003,"body":"their"},{"speaker":"Miller","startTime":1238.3050000000003,"endTime":1238.8650000000002,"body":"letters."},{"speaker":"Miller","startTime":1239.2550000000003,"endTime":1239.3950000000002,"body":"They"},{"speaker":"Miller","startTime":1239.3950000000002,"endTime":1239.6450000000002,"body":"use"},{"speaker":"Miller","startTime":1239.6450000000002,"endTime":1239.7650000000003,"body":"it"},{"speaker":"Miller","startTime":1239.7650000000003,"endTime":1239.8150000000003,"body":"a"},{"speaker":"Miller","startTime":1239.8150000000003,"endTime":1240.2950000000003,"body":"lot."},{"speaker":"Miller","startTime":1240.63,"endTime":1241.1100000000001,"body":"Assets"},{"speaker":"Miller","startTime":1241.1100000000001,"endTime":1241.18,"body":"are"},{"speaker":"Miller","startTime":1241.18,"endTime":1241.66,"body":"growing."},{"speaker":"Miller","startTime":1241.68,"endTime":1241.95,"body":"World"},{"speaker":"Miller","startTime":1241.95,"endTime":1242.16,"body":"is"},{"speaker":"Miller","startTime":1242.16,"endTime":1242.39,"body":"getting"},{"speaker":"Miller","startTime":1242.39,"endTime":1242.5500000000002,"body":"more"},{"speaker":"Miller","startTime":1242.5500000000002,"endTime":1243.0500000000002,"body":"complex."},{"speaker":"Miller","startTime":1243.0900000000001,"endTime":1243.38,"body":"Not"},{"speaker":"Miller","startTime":1243.38,"endTime":1243.76,"body":"really."},{"speaker":"Miller","startTime":1243.8100000000002,"endTime":1244.25,"body":"Assets"},{"speaker":"Miller","startTime":1244.25,"endTime":1244.3400000000001,"body":"are"},{"speaker":"Miller","startTime":1244.3500000000001,"endTime":1244.8300000000002,"body":"growing,"},{"speaker":"Miller","startTime":1244.8300000000002,"endTime":1245.1100000000001,"body":"but"},{"speaker":"Miller","startTime":1245.2700000000002,"endTime":1246.0800000000002,"body":"complexity"},{"speaker":"Miller","startTime":1246.0800000000002,"endTime":1246.2900000000002,"body":"is"},{"speaker":"Miller","startTime":1246.2900000000002,"endTime":1246.5800000000002,"body":"not"},{"speaker":"Miller","startTime":1246.69,"endTime":1247.3300000000002,"body":"changing"},{"speaker":"Miller","startTime":1247.3400000000001,"endTime":1247.74,"body":"very"},{"speaker":"Miller","startTime":1247.74,"endTime":1248.3600000000001,"body":"quickly"},{"speaker":"Miller","startTime":1248.9800000000002,"endTime":1249.2700000000002,"body":"in"},{"speaker":"Miller","startTime":1249.2800000000002,"endTime":1249.8600000000001,"body":"aggregate"},{"speaker":"Miller","startTime":1249.8600000000001,"endTime":1250.2600000000002,"body":"across"},{"speaker":"Miller","startTime":1250.2600000000002,"endTime":1250.3799995000002,"body":"the"},{"speaker":"Miller","startTime":1250.3799995000002,"endTime":1250.9499990000002,"body":"industry."},{"speaker":"Miller","startTime":1250.9999990000001,"endTime":1251.1899990000002,"body":"There"},{"speaker":"Miller","startTime":1251.19,"endTime":1251.39,"body":"might"},{"speaker":"Miller","startTime":1251.39,"endTime":1251.5300000000002,"body":"be"},{"speaker":"Miller","startTime":1251.5300000000002,"endTime":1252.0600000000002,"body":"individual"},{"speaker":"Miller","startTime":1252.0799990000003,"endTime":1252.4899990000001,"body":"parties"},{"speaker":"Miller","startTime":1252.4999990000001,"endTime":1252.6499990000002,"body":"that"},{"speaker":"Miller","startTime":1252.69,"endTime":1253.2000000000003,"body":"increased"},{"speaker":"Miller","startTime":1253.2000000000003,"endTime":1253.2499995,"body":"a"},{"speaker":"Miller","startTime":1253.2499995,"endTime":1253.5899990000003,"body":"lot,"},{"speaker":"Miller","startTime":1253.6000000000001,"endTime":1253.8400000000001,"body":"but"},{"speaker":"Miller","startTime":1253.8500000000001,"endTime":1254.2800000000002,"body":"across"},{"speaker":"Miller","startTime":1254.2800000000002,"endTime":1254.41,"body":"the"},{"speaker":"Miller","startTime":1254.41,"endTime":1255.0800000000002,"body":"industry,"},{"speaker":"Miller","startTime":1255.4700000000003,"endTime":1255.8700000000001,"body":"no,"},{"speaker":"Miller","startTime":1255.8799990000002,"endTime":1256.0899990000003,"body":"that"},{"speaker":"Miller","startTime":1256.0900000000001,"endTime":1256.7500000000002,"body":"complexity"},{"speaker":"Miller","startTime":1256.760001,"endTime":1256.93,"body":"has"},{"speaker":"Miller","startTime":1256.93,"endTime":1257.2299990000001,"body":"not"},{"speaker":"Miller","startTime":1257.5500000000002,"endTime":1257.8300000000002,"body":"really"},{"speaker":"Miller","startTime":1257.8300000000002,"endTime":1258.23,"body":"changed"},{"speaker":"Miller","startTime":1258.23,"endTime":1258.52,"body":"since"},{"speaker":"Miller","startTime":1258.5800000000002,"endTime":1258.99,"body":"2018."},{"speaker":"Treichel","startTime":1260.8400000000001,"endTime":1261.0900000000001,"body":"Got"},{"speaker":"Treichel","startTime":1261.0900000000001,"endTime":1261.2000000000003,"body":"it."},{"speaker":"Treichel","startTime":1261.2100000000003,"endTime":1261.3600000000004,"body":"No,"},{"speaker":"Treichel","startTime":1261.3600000000004,"endTime":1261.5900000000001,"body":"that's"},{"speaker":"Treichel","startTime":1261.7500000000002,"endTime":1261.8200000000002,"body":"I"},{"speaker":"Treichel","startTime":1261.8200000000002,"endTime":1262.0200000000002,"body":"think"},{"speaker":"Treichel","startTime":1262.0200000000002,"endTime":1262.1900000000003,"body":"that's"},{"speaker":"Treichel","startTime":1262.8000000000002,"endTime":1263.1500000000003,"body":"an"},{"speaker":"Treichel","startTime":1263.1500000000003,"endTime":1263.7000000000003,"body":"interesting"},{"speaker":"Treichel","startTime":1263.7000000000003,"endTime":1264.0000000000002,"body":"point"},{"speaker":"Treichel","startTime":1264.0000000000002,"endTime":1264.1600000000003,"body":"that"},{"speaker":"Treichel","startTime":1264.1600000000003,"endTime":1264.2300000000002,"body":"I"},{"speaker":"Treichel","startTime":1264.2300000000002,"endTime":1264.5000000000002,"body":"didn't"},{"speaker":"Treichel","startTime":1264.5000000000002,"endTime":1264.7300000000002,"body":"pick"},{"speaker":"Treichel","startTime":1264.7300000000002,"endTime":1264.9500000000003,"body":"up"},{"speaker":"Treichel","startTime":1264.9500000000003,"endTime":1265.1600000000003,"body":"on."},{"speaker":"Treichel","startTime":1265.1600000000003,"endTime":1265.2500000000002,"body":"I'm"},{"speaker":"Treichel","startTime":1265.2500000000002,"endTime":1265.4800000000002,"body":"glad"},{"speaker":"Treichel","startTime":1265.4800000000002,"endTime":1265.5800000000002,"body":"you"},{"speaker":"Treichel","startTime":1265.5800000000002,"endTime":1265.7400000000002,"body":"did"},{"speaker":"Treichel","startTime":1265.7400000000002,"endTime":1265.8000000000002,"body":"a"},{"speaker":"Treichel","startTime":1265.8000000000002,"endTime":1266.0600000000002,"body":"deep"},{"speaker":"Treichel","startTime":1266.0600000000002,"endTime":1266.4300000000003,"body":"dive"},{"speaker":"Treichel","startTime":1266.4400000000003,"endTime":1266.5800000000002,"body":"on"},{"speaker":"Treichel","startTime":1266.5800000000002,"endTime":1266.6500000000003,"body":"the"},{"speaker":"Treichel","startTime":1266.6500000000003,"endTime":1266.9900000000002,"body":"numbers."},{"speaker":"Treichel","startTime":1267.0100000000002,"endTime":1267.0600000000002,"body":"And"},{"speaker":"Treichel","startTime":1267.0600000000002,"endTime":1267.2100000000003,"body":"like"},{"speaker":"Treichel","startTime":1267.2100000000003,"endTime":1267.3100000000002,"body":"you"},{"speaker":"Treichel","startTime":1267.3200000000002,"endTime":1267.5000000000002,"body":"said,"},{"speaker":"Treichel","startTime":1267.5200000000002,"endTime":1268.1800000000003,"body":"individually,"},{"speaker":"Treichel","startTime":1268.1900000000003,"endTime":1268.4600000000003,"body":"credit"},{"speaker":"Treichel","startTime":1268.4700000000003,"endTime":1268.8299995000002,"body":"unions"},{"speaker":"Treichel","startTime":1268.8299995000002,"endTime":1269.0399990000003,"body":"risk"},{"speaker":"Treichel","startTime":1269.0700000000002,"endTime":1269.8200000000002,"body":"profiles"},{"speaker":"Treichel","startTime":1269.9200000000003,"endTime":1270.2100000000003,"body":"have"},{"speaker":"Treichel","startTime":1270.2100000000003,"endTime":1270.6400000000003,"body":"changed."},{"speaker":"Treichel","startTime":1270.6400000000003,"endTime":1270.7300000000002,"body":"And"},{"speaker":"Treichel","startTime":1270.7300000000002,"endTime":1270.9099995000001,"body":"we've"},{"speaker":"Treichel","startTime":1270.9099995000001,"endTime":1271.1499990000002,"body":"seen"},{"speaker":"Treichel","startTime":1271.1500000000003,"endTime":1271.5100000000002,"body":"that"},{"speaker":"Treichel","startTime":1271.5700000000002,"endTime":1271.9600000000003,"body":"on"},{"speaker":"Treichel","startTime":1271.9600000000003,"endTime":1272.0799995000002,"body":"some"},{"speaker":"Treichel","startTime":1272.0799995000002,"endTime":1272.5699990000003,"body":"individual"},{"speaker":"Treichel","startTime":1272.5700000000002,"endTime":1273.2399995000003,"body":"situations"},{"speaker":"Treichel","startTime":1273.2399995000003,"endTime":1273.5399990000003,"body":"that"},{"speaker":"Treichel","startTime":1274.13,"endTime":1274.3700000000001,"body":"that"},{"speaker":"Treichel","startTime":1274.3700000000001,"endTime":1274.5900000000001,"body":"we've"},{"speaker":"Treichel","startTime":1274.5900000000001,"endTime":1274.7400000000002,"body":"been"},{"speaker":"Treichel","startTime":1274.7400000000002,"endTime":1275.2000000000003,"body":"involved"},{"speaker":"Treichel","startTime":1275.2000000000003,"endTime":1275.5000000000002,"body":"with."},{"speaker":"Treichel","startTime":1275.5599990000003,"endTime":1275.7299990000001,"body":"But"},{"speaker":"Treichel","startTime":1275.7299990000001,"endTime":1276.0899990000003,"body":"that's"},{"speaker":"Treichel","startTime":1276.1200000000001,"endTime":1276.3599995000002,"body":"good"},{"speaker":"Treichel","startTime":1276.3599995000002,"endTime":1276.4499990000002,"body":"to"},{"speaker":"Treichel","startTime":1276.4500000000003,"endTime":1276.8000000000002,"body":"point"},{"speaker":"Treichel","startTime":1276.8000000000002,"endTime":1277.1100000000001,"body":"out."},{"speaker":"Treichel","startTime":1277.1499990000002,"endTime":1277.5899990000003,"body":"Now,"},{"speaker":"Treichel","startTime":1277.6100000000001,"endTime":1277.9400000000003,"body":"one"},{"speaker":"Treichel","startTime":1279.3600000000001,"endTime":1279.7500000000002,"body":"thought"},{"speaker":"Treichel","startTime":1279.7700000000002,"endTime":1280.3300000000002,"body":"on"},{"speaker":"Treichel","startTime":1280.339999,"endTime":1280.559999,"body":"the"},{"speaker":"Treichel","startTime":1280.569999,"endTime":1280.9099990000002,"body":"whole"},{"speaker":"Treichel","startTime":1280.9099990000002,"endTime":1281.6699990000002,"body":"liquidity"},{"speaker":"Treichel","startTime":1282.645,"endTime":1283.165,"body":"Side"},{"speaker":"Treichel","startTime":1283.165,"endTime":1283.325,"body":"of"},{"speaker":"Treichel","startTime":1283.325,"endTime":1283.635,"body":"this"},{"speaker":"Treichel","startTime":1283.645,"endTime":1283.805,"body":"in"},{"speaker":"Treichel","startTime":1283.805,"endTime":1283.925,"body":"the"},{"speaker":"Treichel","startTime":1283.925,"endTime":1284.4850000000001,"body":"webinar,"},{"speaker":"Treichel","startTime":1284.545,"endTime":1284.665,"body":"and"},{"speaker":"Treichel","startTime":1284.665,"endTime":1284.7450000000001,"body":"I"},{"speaker":"Treichel","startTime":1284.7450000000001,"endTime":1284.955,"body":"might"},{"speaker":"Treichel","startTime":1284.955,"endTime":1285.055,"body":"be"},{"speaker":"Treichel","startTime":1285.055,"endTime":1285.215,"body":"getting"},{"speaker":"Treichel","startTime":1285.215,"endTime":1285.265,"body":"a"},{"speaker":"Treichel","startTime":1285.265,"endTime":1285.465,"body":"little"},{"speaker":"Treichel","startTime":1285.465,"endTime":1285.705,"body":"bit"},{"speaker":"Treichel","startTime":1285.705,"endTime":1285.925,"body":"ahead"},{"speaker":"Treichel","startTime":1285.925,"endTime":1285.9850000000001,"body":"of"},{"speaker":"Treichel","startTime":1285.9850000000001,"endTime":1286.435,"body":"myself"},{"speaker":"Treichel","startTime":1286.435,"endTime":1286.655,"body":"here,"},{"speaker":"Treichel","startTime":1286.705,"endTime":1286.885,"body":"but"},{"speaker":"Treichel","startTime":1286.885,"endTime":1287.065,"body":"this"},{"speaker":"Treichel","startTime":1287.065,"endTime":1287.265,"body":"just"},{"speaker":"Treichel","startTime":1287.265,"endTime":1287.555,"body":"popped"},{"speaker":"Treichel","startTime":1287.555,"endTime":1287.685,"body":"into"},{"speaker":"Treichel","startTime":1287.685,"endTime":1287.805,"body":"my"},{"speaker":"Treichel","startTime":1287.805,"endTime":1288.055,"body":"head."},{"speaker":"Treichel","startTime":1288.055,"endTime":1288.215,"body":"So"},{"speaker":"Treichel","startTime":1288.215,"endTime":1288.435,"body":"let's"},{"speaker":"Treichel","startTime":1288.435,"endTime":1288.635,"body":"go"},{"speaker":"Treichel","startTime":1288.635,"endTime":1288.965,"body":"forward."},{"speaker":"Treichel","startTime":1288.965,"endTime":1289.205,"body":"So"},{"speaker":"Treichel","startTime":1289.205,"endTime":1289.375,"body":"in"},{"speaker":"Treichel","startTime":1289.375,"endTime":1289.4750000000001,"body":"the"},{"speaker":"Treichel","startTime":1289.4750000000001,"endTime":1289.905,"body":"webinar,"},{"speaker":"Treichel","startTime":1289.925,"endTime":1290.065,"body":"there"},{"speaker":"Treichel","startTime":1290.065,"endTime":1290.215,"body":"was"},{"speaker":"Treichel","startTime":1290.215,"endTime":1290.345,"body":"some"},{"speaker":"Treichel","startTime":1290.345,"endTime":1290.875,"body":"discussions"},{"speaker":"Treichel","startTime":1290.875,"endTime":1291.2350000000001,"body":"about"},{"speaker":"Treichel","startTime":1291.255,"endTime":1291.385,"body":"the"},{"speaker":"Treichel","startTime":1291.585,"endTime":1291.875,"body":"liquidity,"},{"speaker":"Treichel","startTime":1291.885,"endTime":1292.055,"body":"the"},{"speaker":"Treichel","startTime":1292.2250000000001,"endTime":1292.825,"body":"requirement"},{"speaker":"Treichel","startTime":1292.825,"endTime":1292.955,"body":"for"},{"speaker":"Treichel","startTime":1293.075,"endTime":1293.435,"body":"liquidity"},{"speaker":"Treichel","startTime":1293.435,"endTime":1294.035,"body":"policies"},{"speaker":"Treichel","startTime":1294.035,"endTime":1294.175,"body":"and"},{"speaker":"Treichel","startTime":1294.175,"endTime":1294.455,"body":"different"},{"speaker":"Treichel","startTime":1294.455,"endTime":1294.715,"body":"things"},{"speaker":"Treichel","startTime":1294.715,"endTime":1294.935,"body":"like"},{"speaker":"Treichel","startTime":1294.935,"endTime":1295.255,"body":"that."},{"speaker":"Treichel","startTime":1295.305,"endTime":1295.925,"body":"And"},{"speaker":"Treichel","startTime":1295.965,"endTime":1296.295,"body":"there's,"},{"speaker":"Treichel","startTime":1296.335,"endTime":1296.515,"body":"there"},{"speaker":"Treichel","startTime":1296.515,"endTime":1296.635,"body":"were"},{"speaker":"Treichel","startTime":1296.635,"endTime":1297.005,"body":"also"},{"speaker":"Treichel","startTime":1297.005,"endTime":1297.635,"body":"references"},{"speaker":"Treichel","startTime":1297.635,"endTime":1297.7350000000001,"body":"and"},{"speaker":"Treichel","startTime":1297.765,"endTime":1297.8949995,"body":"you"},{"speaker":"Treichel","startTime":1297.8949995,"endTime":1298.254999,"body":"might"},{"speaker":"Treichel","startTime":1298.4950000000001,"endTime":1298.7450000000001,"body":"have"},{"speaker":"Treichel","startTime":1298.7450000000001,"endTime":1298.8049995000001,"body":"the"},{"speaker":"Treichel","startTime":1298.8049995000001,"endTime":1299.1049990000001,"body":"slide"},{"speaker":"Treichel","startTime":1299.105,"endTime":1299.195,"body":"in"},{"speaker":"Treichel","startTime":1299.195,"endTime":1299.365,"body":"front"},{"speaker":"Treichel","startTime":1299.365,"endTime":1299.4649995,"body":"of"},{"speaker":"Treichel","startTime":1299.4649995,"endTime":1299.564999,"body":"you,"},{"speaker":"Treichel","startTime":1299.564999,"endTime":1299.744999,"body":"but"},{"speaker":"Treichel","startTime":1299.7450000000001,"endTime":1300.305,"body":"references"},{"speaker":"Treichel","startTime":1300.314999,"endTime":1300.6149990000001,"body":"to"},{"speaker":"Treichel","startTime":1300.634999,"endTime":1300.834999,"body":"the"},{"speaker":"Treichel","startTime":1300.835,"endTime":1301.295,"body":"upside"},{"speaker":"Treichel","startTime":1301.305,"endTime":1301.575,"body":"down"},{"speaker":"Treichel","startTime":1301.585,"endTime":1302.005,"body":"nature"},{"speaker":"Treichel","startTime":1302.005,"endTime":1302.135,"body":"of"},{"speaker":"Treichel","startTime":1302.135,"endTime":1302.215,"body":"the"},{"speaker":"Treichel","startTime":1302.215,"endTime":1302.685,"body":"investment"},{"speaker":"Treichel","startTime":1302.685,"endTime":1303.435,"body":"portfolios"},{"speaker":"Treichel","startTime":1303.4750000000001,"endTime":1304.2450000000001,"body":"collectively"},{"speaker":"Treichel","startTime":1304.615,"endTime":1304.845,"body":"in"},{"speaker":"Treichel","startTime":1304.845,"endTime":1305.145,"body":"credit"},{"speaker":"Treichel","startTime":1305.155,"endTime":1305.615,"body":"unions,"},{"speaker":"Treichel","startTime":1305.615,"endTime":1306.035,"body":"where,"},{"speaker":"Treichel","startTime":1306.075,"endTime":1306.285,"body":"where"},{"speaker":"Treichel","startTime":1306.285,"endTime":1306.395,"body":"the"},{"speaker":"Treichel","startTime":1306.395,"endTime":1306.645,"body":"net"},{"speaker":"Treichel","startTime":1306.645,"endTime":1306.9750000000001,"body":"worth"},{"speaker":"Treichel","startTime":1306.9850000000001,"endTime":1307.335,"body":"is."},{"speaker":"Treichel","startTime":1307.9050000000002,"endTime":1308.115,"body":"A"},{"speaker":"Treichel","startTime":1308.115,"endTime":1308.4250000000002,"body":"certain"},{"speaker":"Treichel","startTime":1308.4250000000002,"endTime":1308.9350000000002,"body":"percentage"},{"speaker":"Treichel","startTime":1308.9350000000002,"endTime":1309.035,"body":"of"},{"speaker":"Treichel","startTime":1309.035,"endTime":1309.115,"body":"the"},{"speaker":"Treichel","startTime":1309.115,"endTime":1309.315,"body":"net"},{"speaker":"Treichel","startTime":1309.315,"endTime":1309.545,"body":"worth"},{"speaker":"Treichel","startTime":1309.545,"endTime":1309.7050000000002,"body":"is"},{"speaker":"Treichel","startTime":1309.7050000000002,"endTime":1309.9150000000002,"body":"eaten"},{"speaker":"Treichel","startTime":1309.9150000000002,"endTime":1310.085,"body":"up"},{"speaker":"Treichel","startTime":1310.095,"endTime":1310.2050000000002,"body":"by"},{"speaker":"Treichel","startTime":1310.2050000000002,"endTime":1310.325,"body":"the"},{"speaker":"Treichel","startTime":1310.325,"endTime":1310.6350000000002,"body":"fact"},{"speaker":"Treichel","startTime":1310.6650000000002,"endTime":1311.065,"body":"that"},{"speaker":"Treichel","startTime":1311.1650000000002,"endTime":1311.8750000000002,"body":"these"},{"speaker":"Treichel","startTime":1311.9050000000002,"endTime":1312.535,"body":"investments"},{"speaker":"Treichel","startTime":1312.535,"endTime":1312.6850000000002,"body":"are"},{"speaker":"Treichel","startTime":1312.6850000000002,"endTime":1313.2050000000002,"body":"underwater."},{"speaker":"Treichel","startTime":1313.2050000000002,"endTime":1313.275,"body":"And"},{"speaker":"Treichel","startTime":1313.285,"endTime":1313.4050000000002,"body":"of"},{"speaker":"Treichel","startTime":1313.4050000000002,"endTime":1313.6550000000002,"body":"course,"},{"speaker":"Treichel","startTime":1313.6550000000002,"endTime":1313.765,"body":"they"},{"speaker":"Treichel","startTime":1313.765,"endTime":1313.9450000000002,"body":"don't"},{"speaker":"Treichel","startTime":1313.9450000000002,"endTime":1314.085,"body":"have"},{"speaker":"Treichel","startTime":1314.085,"endTime":1314.1950000000002,"body":"to"},{"speaker":"Treichel","startTime":1314.1950000000002,"endTime":1314.755,"body":"recognize"},{"speaker":"Treichel","startTime":1314.755,"endTime":1314.9750000000001,"body":"that"},{"speaker":"Treichel","startTime":1314.9750000000001,"endTime":1315.105,"body":"if"},{"speaker":"Treichel","startTime":1315.105,"endTime":1315.275,"body":"it's"},{"speaker":"Treichel","startTime":1315.275,"endTime":1315.4050000000002,"body":"in"},{"speaker":"Treichel","startTime":1315.4050000000002,"endTime":1315.4550000000002,"body":"a"},{"speaker":"Treichel","startTime":1315.4550000000002,"endTime":1315.6349995,"body":"whole"},{"speaker":"Treichel","startTime":1315.6349995,"endTime":1315.7849990000002,"body":"to"},{"speaker":"Treichel","startTime":1315.785,"endTime":1316.285,"body":"maturity"},{"speaker":"Treichel","startTime":1316.3049990000002,"endTime":1317.0049990000002,"body":"category."},{"speaker":"Treichel","startTime":1317.255,"endTime":1317.6749995,"body":"However,"},{"speaker":"Treichel","startTime":1317.6749995,"endTime":1317.8249990000002,"body":"there"},{"speaker":"Treichel","startTime":1317.825,"endTime":1318.015,"body":"are"},{"speaker":"Treichel","startTime":1318.015,"endTime":1318.2350000000001,"body":"some"},{"speaker":"Treichel","startTime":1318.2350000000001,"endTime":1318.8950000000002,"body":"situations"},{"speaker":"Treichel","startTime":1318.8950000000002,"endTime":1319.025,"body":"where"},{"speaker":"Treichel","startTime":1319.025,"endTime":1319.315,"body":"credit"},{"speaker":"Treichel","startTime":1319.335,"endTime":1319.9450000000002,"body":"unions"},{"speaker":"Treichel","startTime":1320.405,"endTime":1320.765,"body":"need"},{"speaker":"Treichel","startTime":1320.765,"endTime":1321.065,"body":"to"},{"speaker":"Treichel","startTime":1321.134999,"endTime":1321.544999,"body":"worry"},{"speaker":"Treichel","startTime":1321.544999,"endTime":1321.894999,"body":"about"},{"speaker":"Treichel","startTime":1321.905,"endTime":1322.365,"body":"that"},{"speaker":"Treichel","startTime":1322.714999,"endTime":1323.294999,"body":"longer"},{"speaker":"Treichel","startTime":1323.294999,"endTime":1323.694999,"body":"term"},{"speaker":"Treichel","startTime":1323.704999,"endTime":1324.004999,"body":"if"},{"speaker":"Treichel","startTime":1324.044999,"endTime":1324.444999,"body":"that."},{"speaker":"Treichel","startTime":1324.735,"endTime":1325.0149999999999,"body":"If"},{"speaker":"Treichel","startTime":1325.0149999999999,"endTime":1325.165,"body":"they"},{"speaker":"Treichel","startTime":1325.165,"endTime":1325.3449999999998,"body":"have"},{"speaker":"Treichel","startTime":1325.3449999999998,"endTime":1325.405,"body":"a"},{"speaker":"Treichel","startTime":1325.405,"endTime":1325.6249999999998,"body":"big"},{"speaker":"Treichel","startTime":1325.6249999999998,"endTime":1326.0749999999998,"body":"investment"},{"speaker":"Treichel","startTime":1326.0749999999998,"endTime":1326.7849999999999,"body":"portfolio"},{"speaker":"Treichel","startTime":1326.7849999999999,"endTime":1326.8949999999998,"body":"and"},{"speaker":"Treichel","startTime":1326.915,"endTime":1327.1449999999998,"body":"if"},{"speaker":"Treichel","startTime":1327.1449999999998,"endTime":1327.3749999999998,"body":"that"},{"speaker":"Treichel","startTime":1327.3749999999998,"endTime":1327.7849999999999,"body":"loss"},{"speaker":"Treichel","startTime":1328.255,"endTime":1328.565,"body":"keeps"},{"speaker":"Treichel","startTime":1328.565,"endTime":1328.835,"body":"going"},{"speaker":"Treichel","startTime":1328.835,"endTime":1329.015,"body":"up,"},{"speaker":"Treichel","startTime":1329.025,"endTime":1329.225,"body":"that"},{"speaker":"Treichel","startTime":1329.225,"endTime":1329.365,"body":"can"},{"speaker":"Treichel","startTime":1329.365,"endTime":1329.585,"body":"have"},{"speaker":"Treichel","startTime":1329.585,"endTime":1329.885,"body":"some"},{"speaker":"Treichel","startTime":1329.925,"endTime":1330.865,"body":"ramifications"},{"speaker":"Treichel","startTime":1330.865,"endTime":1331.005,"body":"on"},{"speaker":"Treichel","startTime":1331.005,"endTime":1331.165,"body":"their"},{"speaker":"Treichel","startTime":1331.165,"endTime":1331.715,"body":"liquidity"},{"speaker":"Treichel","startTime":1331.725,"endTime":1331.895,"body":"in"},{"speaker":"Treichel","startTime":1331.895,"endTime":1332.2350000000001,"body":"different"},{"speaker":"Treichel","startTime":1332.2350000000001,"endTime":1332.4850000000001,"body":"ways."},{"speaker":"Treichel","startTime":1332.4850000000001,"endTime":1332.635,"body":"But"},{"speaker":"Treichel","startTime":1332.635,"endTime":1332.7849995,"body":"one"},{"speaker":"Treichel","startTime":1332.7849995,"endTime":1332.8649990000001,"body":"of"},{"speaker":"Treichel","startTime":1332.865,"endTime":1333.075,"body":"those"},{"speaker":"Treichel","startTime":1333.075,"endTime":1333.4950000000001,"body":"ways"},{"speaker":"Treichel","startTime":1333.805,"endTime":1334.155,"body":"is"},{"speaker":"Treichel","startTime":1334.185,"endTime":1334.415,"body":"the"},{"speaker":"Treichel","startTime":1334.625,"endTime":1335.475,"body":"relationships"},{"speaker":"Treichel","startTime":1335.494999,"endTime":1335.674999,"body":"that"},{"speaker":"Treichel","startTime":1335.675,"endTime":1335.8249995,"body":"they"},{"speaker":"Treichel","startTime":1335.8249995,"endTime":1336.204999,"body":"have"},{"speaker":"Treichel","startTime":1336.215,"endTime":1336.375,"body":"for"},{"speaker":"Treichel","startTime":1336.395,"endTime":1336.895,"body":"borrowing."},{"speaker":"Treichel","startTime":1336.8951,"endTime":1337.41255,"body":"I've"},{"speaker":"Treichel","startTime":1337.41255,"endTime":1337.93,"body":"heard"},{"speaker":"Treichel","startTime":1337.93,"endTime":1338.44745,"body":"you"},{"speaker":"Treichel","startTime":1338.44745,"endTime":1338.9649,"body":"speak"},{"speaker":"Treichel","startTime":1339.0449999999998,"endTime":1339.105,"body":"to"},{"speaker":"Treichel","startTime":1339.105,"endTime":1339.3249994999999,"body":"me"},{"speaker":"Treichel","startTime":1339.3249994999999,"endTime":1339.474999,"body":"on"},{"speaker":"Treichel","startTime":1339.475,"endTime":1339.885,"body":"that"},{"speaker":"Treichel","startTime":1339.965,"endTime":1340.5549999999998,"body":"offline,"},{"speaker":"Treichel","startTime":1340.565,"endTime":1340.695,"body":"but"},{"speaker":"Treichel","startTime":1340.695,"endTime":1340.7949995,"body":"can"},{"speaker":"Treichel","startTime":1340.7949995,"endTime":1340.944999,"body":"you"},{"speaker":"Treichel","startTime":1341.0049999999999,"endTime":1341.605,"body":"highlight,"},{"speaker":"Treichel","startTime":1342.315,"endTime":1342.715,"body":"highlight"},{"speaker":"Treichel","startTime":1342.735,"endTime":1343.065,"body":"that"},{"speaker":"Treichel","startTime":1343.145,"endTime":1343.455,"body":"here"},{"speaker":"Treichel","startTime":1343.5049999999999,"endTime":1343.665,"body":"for"},{"speaker":"Treichel","startTime":1343.665,"endTime":1343.745,"body":"our"},{"speaker":"Treichel","startTime":1343.745,"endTime":1344.235,"body":"listeners?"},{"speaker":"Miller","startTime":1344.905,"endTime":1345.125,"body":"So"},{"speaker":"Miller","startTime":1345.125,"endTime":1345.375,"body":"there's"},{"speaker":"Miller","startTime":1345.385,"endTime":1345.7150000000001,"body":"lots"},{"speaker":"Miller","startTime":1345.7150000000001,"endTime":1345.845,"body":"of"},{"speaker":"Miller","startTime":1345.875,"endTime":1346.355,"body":"pieces"},{"speaker":"Miller","startTime":1346.415,"endTime":1346.535,"body":"to"},{"speaker":"Miller","startTime":1346.535,"endTime":1346.6850000000002,"body":"the"},{"speaker":"Miller","startTime":1346.6850000000002,"endTime":1347.255,"body":"liquidity"},{"speaker":"Miller","startTime":1347.255,"endTime":1347.585,"body":"piece."},{"speaker":"Miller","startTime":1347.585,"endTime":1347.7450000000001,"body":"And"},{"speaker":"Miller","startTime":1347.7450000000001,"endTime":1347.815,"body":"I"},{"speaker":"Miller","startTime":1347.815,"endTime":1348.065,"body":"think"},{"speaker":"Miller","startTime":1348.085,"endTime":1348.2350000000001,"body":"this"},{"speaker":"Miller","startTime":1348.2350000000001,"endTime":1348.395,"body":"is"},{"speaker":"Miller","startTime":1348.395,"endTime":1348.545,"body":"one"},{"speaker":"Miller","startTime":1348.545,"endTime":1348.625,"body":"of"},{"speaker":"Miller","startTime":1348.625,"endTime":1348.795,"body":"those"},{"speaker":"Miller","startTime":1348.795,"endTime":1349.105,"body":"things"},{"speaker":"Miller","startTime":1349.105,"endTime":1349.275,"body":"where"},{"speaker":"Miller","startTime":1349.275,"endTime":1349.9750000000001,"body":"NCOA,"},{"speaker":"Miller","startTime":1350.585,"endTime":1350.785,"body":"they"},{"speaker":"Miller","startTime":1350.785,"endTime":1351.085,"body":"tend"},{"speaker":"Miller","startTime":1351.085,"endTime":1351.525,"body":"to."},{"speaker":"Miller","startTime":1352.435,"endTime":1352.685,"body":"fall"},{"speaker":"Miller","startTime":1352.685,"endTime":1353.235,"body":"behind"},{"speaker":"Miller","startTime":1353.235,"endTime":1353.425,"body":"on"},{"speaker":"Miller","startTime":1353.425,"endTime":1353.655,"body":"where"},{"speaker":"Miller","startTime":1353.655,"endTime":1354.0249999999999,"body":"risk"},{"speaker":"Miller","startTime":1354.0249999999999,"endTime":1354.215,"body":"is"},{"speaker":"Miller","startTime":1354.225,"endTime":1354.645,"body":"really"},{"speaker":"Miller","startTime":1354.645,"endTime":1355.155,"body":"going"},{"speaker":"Miller","startTime":1355.155,"endTime":1355.435,"body":"and"},{"speaker":"Miller","startTime":1355.435,"endTime":1355.7649999999999,"body":"then"},{"speaker":"Miller","startTime":1355.8049999999998,"endTime":1355.995,"body":"it"},{"speaker":"Miller","startTime":1356.0349999999999,"endTime":1356.245,"body":"hits"},{"speaker":"Miller","startTime":1356.245,"endTime":1356.345,"body":"them"},{"speaker":"Miller","startTime":1356.345,"endTime":1356.415,"body":"in"},{"speaker":"Miller","startTime":1356.415,"endTime":1356.5149999999999,"body":"the"},{"speaker":"Miller","startTime":1356.5249999999999,"endTime":1356.7949999999998,"body":"face"},{"speaker":"Miller","startTime":1356.7949999999998,"endTime":1356.925,"body":"and"},{"speaker":"Miller","startTime":1356.925,"endTime":1357.0649999999998,"body":"then"},{"speaker":"Miller","startTime":1357.0649999999998,"endTime":1357.185,"body":"they"},{"speaker":"Miller","startTime":1357.185,"endTime":1357.445,"body":"start"},{"speaker":"Miller","startTime":1357.445,"endTime":1357.875,"body":"adjusting"},{"speaker":"Miller","startTime":1357.875,"endTime":1358.455,"body":"policies."},{"speaker":"Miller","startTime":1358.745,"endTime":1358.7749999999999,"body":"In"},{"speaker":"Miller","startTime":1358.7749999999999,"endTime":1358.935,"body":"fact,"},{"speaker":"Miller","startTime":1358.935,"endTime":1359.215,"body":"someone"},{"speaker":"Miller","startTime":1359.225,"endTime":1359.485,"body":"asked"},{"speaker":"Miller","startTime":1359.485,"endTime":1359.7749999999999,"body":"a"},{"speaker":"Miller","startTime":1360.095,"endTime":1360.5349999999999,"body":"question"},{"speaker":"Miller","startTime":1360.5349999999999,"endTime":1360.715,"body":"during"},{"speaker":"Miller","startTime":1360.715,"endTime":1360.8249999999998,"body":"the"},{"speaker":"Miller","startTime":1360.8249999999998,"endTime":1361.2949999999998,"body":"webinar"},{"speaker":"Miller","startTime":1361.2949999999998,"endTime":1361.745,"body":"today."},{"speaker":"Miller","startTime":1362.2849999999999,"endTime":1362.615,"body":"Is"},{"speaker":"Miller","startTime":1362.645,"endTime":1363.195,"body":"NCUA"},{"speaker":"Miller","startTime":1363.215,"endTime":1363.5649999999998,"body":"looking"},{"speaker":"Miller","startTime":1363.5649999999998,"endTime":1363.7749999999999,"body":"at"},{"speaker":"Miller","startTime":1363.7749999999999,"endTime":1363.995,"body":"how"},{"speaker":"Miller","startTime":1363.995,"endTime":1364.2149995,"body":"it's"},{"speaker":"Miller","startTime":1364.2149995,"endTime":1364.524999,"body":"looking"},{"speaker":"Miller","startTime":1364.5249999999999,"endTime":1364.685,"body":"at"},{"speaker":"Miller","startTime":1364.685,"endTime":1365.365,"body":"liquidity"},{"speaker":"Miller","startTime":1365.365,"endTime":1365.455,"body":"and"},{"speaker":"Miller","startTime":1365.455,"endTime":1365.5749999999998,"body":"do"},{"speaker":"Miller","startTime":1365.5749999999998,"endTime":1365.685,"body":"they"},{"speaker":"Miller","startTime":1365.685,"endTime":1365.855,"body":"have"},{"speaker":"Miller","startTime":1365.855,"endTime":1366.0149995,"body":"any"},{"speaker":"Miller","startTime":1366.0149995,"endTime":1366.4249989999998,"body":"plans"},{"speaker":"Miller","startTime":1366.4249989999998,"endTime":1366.544999,"body":"to"},{"speaker":"Miller","startTime":1366.5449999999998,"endTime":1366.855,"body":"change"},{"speaker":"Miller","startTime":1366.855,"endTime":1367.0049999999999,"body":"it?"},{"speaker":"Miller","startTime":1367.014999,"endTime":1367.114999,"body":"And"},{"speaker":"Miller","startTime":1367.145,"endTime":1367.2649995,"body":"they"},{"speaker":"Miller","startTime":1367.2649995,"endTime":1367.564999,"body":"talked"},{"speaker":"Miller","startTime":1367.5649999999998,"endTime":1367.8149999999998,"body":"around"},{"speaker":"Miller","startTime":1367.8249999999998,"endTime":1367.945,"body":"the"},{"speaker":"Miller","startTime":1367.945,"endTime":1368.3149994999999,"body":"answer."},{"speaker":"Miller","startTime":1368.3149994999999,"endTime":1368.624999,"body":"So"},{"speaker":"Miller","startTime":1368.9149989999999,"endTime":1369.4549989999998,"body":"somebody"},{"speaker":"Miller","startTime":1369.455,"endTime":1369.715,"body":"is"},{"speaker":"Miller","startTime":1369.734999,"endTime":1369.9549989999998,"body":"paying"},{"speaker":"Miller","startTime":1369.955,"endTime":1370.375,"body":"attention"},{"speaker":"Miller","startTime":1370.375,"endTime":1370.455,"body":"to"},{"speaker":"Miller","startTime":1370.455,"endTime":1370.6649995,"body":"what's"},{"speaker":"Miller","startTime":1370.6649995,"endTime":1370.9249989999998,"body":"going"},{"speaker":"Miller","startTime":1370.925,"endTime":1371.185,"body":"on."},{"speaker":"Miller","startTime":1371.225,"endTime":1371.3049999999998,"body":"I"},{"speaker":"Miller","startTime":1371.3049999999998,"endTime":1371.5149999999999,"body":"think"},{"speaker":"Miller","startTime":1371.5149999999999,"endTime":1371.735,"body":"there's"},{"speaker":"Miller","startTime":1371.735,"endTime":1371.8049999999998,"body":"a"},{"speaker":"Miller","startTime":1371.8049999999998,"endTime":1372.0149999999999,"body":"few"},{"speaker":"Miller","startTime":1372.0149999999999,"endTime":1372.2949999999998,"body":"things"},{"speaker":"Miller","startTime":1372.2949999999998,"endTime":1372.5749999999998,"body":"going"},{"speaker":"Miller","startTime":1372.5749999999998,"endTime":1372.7949999999998,"body":"on"},{"speaker":"Miller","startTime":1372.7949999999998,"endTime":1372.975,"body":"with"},{"speaker":"Miller","startTime":1373.365,"endTime":1373.5049999999999,"body":"liquidity"},{"speaker":"Miller","startTime":1373.5149999999999,"endTime":1373.7949999999998,"body":"risk"},{"speaker":"Miller","startTime":1374.205,"endTime":1374.335,"body":"and"},{"speaker":"Miller","startTime":1374.335,"endTime":1374.495,"body":"there's"},{"speaker":"Miller","startTime":1374.495,"endTime":1374.5749999999998,"body":"a"},{"speaker":"Miller","startTime":1374.5749999999998,"endTime":1374.845,"body":"lot"},{"speaker":"Miller","startTime":1374.845,"endTime":1374.955,"body":"of"},{"speaker":"Miller","startTime":1374.955,"endTime":1375.665,"body":"indicators"},{"speaker":"Miller","startTime":1375.665,"endTime":1375.985,"body":"that"},{"speaker":"Miller","startTime":1376.0249999999999,"endTime":1376.465,"body":"it's"},{"speaker":"Miller","startTime":1376.7549999999999,"endTime":1377.585,"body":"increasing."},{"speaker":"Miller","startTime":1378.0649999999998,"endTime":1378.655,"body":"So,"},{"speaker":"Miller","startTime":1379.0049999999999,"endTime":1379.3849999999998,"body":"first."},{"speaker":"Miller","startTime":1380.195,"endTime":1380.355,"body":"A"},{"speaker":"Miller","startTime":1380.355,"endTime":1380.7649999999999,"body":"lot"},{"speaker":"Miller","startTime":1380.7649999999999,"endTime":1380.945,"body":"of"},{"speaker":"Miller","startTime":1381.0049999999999,"endTime":1381.905,"body":"creditors"},{"speaker":"Miller","startTime":1382.245,"endTime":1382.5049999999999,"body":"and"},{"speaker":"Miller","startTime":1382.5149999999999,"endTime":1383.245,"body":"lenders,"},{"speaker":"Miller","startTime":1383.2549999999999,"endTime":1383.5249999999999,"body":"they"},{"speaker":"Miller","startTime":1383.5249999999999,"endTime":1383.805,"body":"look"},{"speaker":"Miller","startTime":1383.805,"endTime":1384.0249999999999,"body":"at"},{"speaker":"Miller","startTime":1384.0249999999999,"endTime":1384.235,"body":"your"},{"speaker":"Miller","startTime":1384.245,"endTime":1384.635,"body":"gap"},{"speaker":"Miller","startTime":1384.725,"endTime":1385.345,"body":"equity"},{"speaker":"Miller","startTime":1385.345,"endTime":1385.565,"body":"as"},{"speaker":"Miller","startTime":1385.565,"endTime":1385.985,"body":"opposed"},{"speaker":"Miller","startTime":1385.985,"endTime":1386.075,"body":"to"},{"speaker":"Miller","startTime":1386.075,"endTime":1386.225,"body":"your"},{"speaker":"Miller","startTime":1386.225,"endTime":1386.915,"body":"regulatory"},{"speaker":"Miller","startTime":1386.915,"endTime":1387.395,"body":"equity."},{"speaker":"Miller","startTime":1387.964999,"endTime":1388.124999,"body":"And"},{"speaker":"Miller","startTime":1388.125,"endTime":1388.325,"body":"while"},{"speaker":"Miller","startTime":1388.325,"endTime":1388.995,"body":"regulatory"},{"speaker":"Miller","startTime":1388.995,"endTime":1389.425,"body":"equity"},{"speaker":"Miller","startTime":1389.425,"endTime":1389.695,"body":"isn't"},{"speaker":"Miller","startTime":1389.705,"endTime":1390.115,"body":"falling"},{"speaker":"Miller","startTime":1390.115,"endTime":1390.395,"body":"because"},{"speaker":"Miller","startTime":1390.395,"endTime":1390.5149999999999,"body":"it"},{"speaker":"Miller","startTime":1390.5149999999999,"endTime":1390.835,"body":"doesn't"},{"speaker":"Miller","startTime":1390.874999,"endTime":1391.434999,"body":"consider"},{"speaker":"Miller","startTime":1391.435,"endTime":1391.6249995,"body":"these"},{"speaker":"Miller","startTime":1391.6249995,"endTime":1392.204999,"body":"investment"},{"speaker":"Miller","startTime":1392.205,"endTime":1392.745,"body":"losses,"},{"speaker":"Miller","startTime":1393.315,"endTime":1393.615,"body":"gap"},{"speaker":"Miller","startTime":1393.634999,"endTime":1394.414999,"body":"equity"},{"speaker":"Miller","startTime":1394.455,"endTime":1394.815,"body":"is"},{"speaker":"Miller","startTime":1394.825,"endTime":1395.315,"body":"falling"},{"speaker":"Miller","startTime":1395.885,"endTime":1396.2450000000001,"body":"pretty"},{"speaker":"Miller","startTime":1396.2450000000001,"endTime":1397.4950000000001,"body":"significantly"},{"speaker":"Miller","startTime":1397.525,"endTime":1397.935,"body":"too."},{"speaker":"Miller","startTime":1398.025,"endTime":1398.275,"body":"It's"},{"speaker":"Miller","startTime":1398.305001,"endTime":1398.6250005,"body":"down"},{"speaker":"Miller","startTime":1398.6250005,"endTime":1398.635,"body":"a"},{"speaker":"Miller","startTime":1399.445,"endTime":1399.685,"body":"From"},{"speaker":"Miller","startTime":1399.685,"endTime":1399.9549499999998,"body":"about"},{"speaker":"Miller","startTime":1399.9549499999998,"endTime":1399.95505,"body":"11."},{"speaker":"Miller","startTime":1399.95505,"endTime":1400.345,"body":"2"},{"speaker":"Miller","startTime":1400.3451,"endTime":1400.52755,"body":"in"},{"speaker":"Miller","startTime":1400.52755,"endTime":1400.71,"body":"2019"},{"speaker":"Miller","startTime":1400.71,"endTime":1400.89245,"body":"to"},{"speaker":"Miller","startTime":1400.89245,"endTime":1401.0748999999998,"body":"9."},{"speaker":"Miller","startTime":1401.075,"endTime":1403.2649999999999,"body":"99"},{"speaker":"Miller","startTime":1403.2749999999999,"endTime":1403.735,"body":"today"},{"speaker":"Miller","startTime":1404.0449999999998,"endTime":1404.205,"body":"on"},{"speaker":"Miller","startTime":1404.205,"endTime":1404.3149999999998,"body":"an"},{"speaker":"Miller","startTime":1404.325,"endTime":1404.945,"body":"aggregate"},{"speaker":"Miller","startTime":1405.0149999999999,"endTime":1405.7549999999999,"body":"basis,"},{"speaker":"Miller","startTime":1405.8049999999998,"endTime":1405.995,"body":"you"},{"speaker":"Miller","startTime":1406.0049999999999,"endTime":1406.2649999999999,"body":"look"},{"speaker":"Miller","startTime":1406.2649999999999,"endTime":1406.615,"body":"at"},{"speaker":"Miller","startTime":1406.635,"endTime":1407.115,"body":"the"},{"speaker":"Miller","startTime":1407.155,"endTime":1407.905,"body":"investment"},{"speaker":"Miller","startTime":1407.925,"endTime":1408.615,"body":"portfolio."},{"speaker":"Miller","startTime":1408.624999,"endTime":1408.784999,"body":"Let's"},{"speaker":"Miller","startTime":1408.7849999999999,"endTime":1408.995,"body":"see."},{"speaker":"Miller","startTime":1408.995,"endTime":1409.0549999999998,"body":"I"},{"speaker":"Miller","startTime":1409.0549999999998,"endTime":1409.205,"body":"have"},{"speaker":"Miller","startTime":1409.205,"endTime":1409.2649999999999,"body":"a"},{"speaker":"Miller","startTime":1409.2649999999999,"endTime":1409.495,"body":"call"},{"speaker":"Miller","startTime":1409.495,"endTime":1409.905,"body":"report"},{"speaker":"Miller","startTime":1409.905,"endTime":1409.965,"body":"in"},{"speaker":"Miller","startTime":1409.965,"endTime":1410.175,"body":"front"},{"speaker":"Miller","startTime":1410.175,"endTime":1410.245,"body":"of"},{"speaker":"Miller","startTime":1410.245,"endTime":1410.4549995,"body":"me."},{"speaker":"Miller","startTime":1410.4549995,"endTime":1410.564999,"body":"I'll"},{"speaker":"Miller","startTime":1410.5649999999998,"endTime":1410.7849999999999,"body":"get"},{"speaker":"Miller","startTime":1410.7849999999999,"endTime":1410.975,"body":"to"},{"speaker":"Miller","startTime":1410.975,"endTime":1411.095,"body":"it"},{"speaker":"Miller","startTime":1411.115,"endTime":1411.5549999999998,"body":"here."},{"speaker":"Miller","startTime":1411.575,"endTime":1411.825,"body":"Fair"},{"speaker":"Miller","startTime":1411.825,"endTime":1412.2649999999999,"body":"market"},{"speaker":"Miller","startTime":1412.2649999999999,"endTime":1412.865,"body":"value"},{"speaker":"Miller","startTime":1412.885,"endTime":1413.2949999999998,"body":"of"},{"speaker":"Miller","startTime":1413.685,"endTime":1413.935,"body":"hold"},{"speaker":"Miller","startTime":1413.935,"endTime":1413.9949995,"body":"to"},{"speaker":"Miller","startTime":1413.9949995,"endTime":1414.4449989999998,"body":"maturity"},{"speaker":"Miller","startTime":1414.445,"endTime":1415.0249999999999,"body":"investments"},{"speaker":"Miller","startTime":1415.0249999999999,"endTime":1415.165,"body":"is"},{"speaker":"Miller","startTime":1415.175,"endTime":1415.4149995,"body":"down"},{"speaker":"Miller","startTime":1415.4149995,"endTime":1415.554999,"body":"to"},{"speaker":"Miller","startTime":1415.554999,"endTime":1416.074999,"body":"94"},{"speaker":"Miller","startTime":1416.074999,"endTime":1416.4249989999998,"body":"percent"},{"speaker":"Miller","startTime":1416.425,"endTime":1416.5249999999999,"body":"of"},{"speaker":"Miller","startTime":1416.5249999999999,"endTime":1416.715,"body":"book"},{"speaker":"Miller","startTime":1416.715,"endTime":1417.185,"body":"value."},{"speaker":"Miller","startTime":1417.764999,"endTime":1417.964999,"body":"And"},{"speaker":"Miller","startTime":1417.965,"endTime":1418.05,"body":"that"},{"speaker":"Miller","startTime":1418.05,"endTime":1418.805,"body":"unrealized"},{"speaker":"Miller","startTime":1418.824999,"endTime":1419.254999,"body":"loss"},{"speaker":"Miller","startTime":1419.325,"endTime":1420.035,"body":"on"},{"speaker":"Miller","startTime":1420.115,"endTime":1420.745,"body":"available"},{"speaker":"Miller","startTime":1420.755,"endTime":1420.885,"body":"for"},{"speaker":"Miller","startTime":1420.885,"endTime":1421.185,"body":"sale"},{"speaker":"Miller","startTime":1421.185,"endTime":1421.765,"body":"investments"},{"speaker":"Miller","startTime":1421.765,"endTime":1422.015,"body":"is"},{"speaker":"Miller","startTime":1422.025,"endTime":1422.435,"body":"7."},{"speaker":"Miller","startTime":1422.525,"endTime":1422.725,"body":"5"},{"speaker":"Miller","startTime":1422.765,"endTime":1423.175,"body":"percent"},{"speaker":"Miller","startTime":1423.175,"endTime":1423.315,"body":"at"},{"speaker":"Miller","startTime":1423.315,"endTime":1423.705,"body":"June."},{"speaker":"Miller","startTime":1423.775,"endTime":1424.055,"body":"Credit"},{"speaker":"Miller","startTime":1424.055,"endTime":1424.415,"body":"unions"},{"speaker":"Miller","startTime":1424.415,"endTime":1424.775,"body":"don't"},{"speaker":"Miller","startTime":1424.785,"endTime":1425.065,"body":"like"},{"speaker":"Miller","startTime":1425.105,"endTime":1425.535,"body":"to"},{"speaker":"Miller","startTime":1425.575,"endTime":1426.065,"body":"sell"},{"speaker":"Miller","startTime":1426.065,"endTime":1426.795,"body":"investments."},{"speaker":"Miller","startTime":1427.1000000000001,"endTime":1427.28,"body":"At"},{"speaker":"Miller","startTime":1427.28,"endTime":1427.3300000000002,"body":"a"},{"speaker":"Miller","startTime":1427.3300000000002,"endTime":1427.8600000000001,"body":"loss,"},{"speaker":"Miller","startTime":1428,"endTime":1428.4,"body":"one"},{"speaker":"Miller","startTime":1428.41,"endTime":1428.5600000000002,"body":"of"},{"speaker":"Miller","startTime":1428.5600000000002,"endTime":1429.3,"body":"NCOA's"},{"speaker":"Miller","startTime":1429.3100000000002,"endTime":1429.77,"body":"internal"},{"speaker":"Miller","startTime":1429.77,"endTime":1430.27,"body":"models"},{"speaker":"Miller","startTime":1430.28,"endTime":1430.45,"body":"that"},{"speaker":"Miller","startTime":1430.45,"endTime":1430.55,"body":"they"},{"speaker":"Miller","startTime":1430.55,"endTime":1430.8300000000002,"body":"used"},{"speaker":"Miller","startTime":1430.8300000000002,"endTime":1430.92,"body":"to"},{"speaker":"Miller","startTime":1430.92,"endTime":1431.23,"body":"use"},{"speaker":"Miller","startTime":1431.23,"endTime":1431.5700000000002,"body":"years"},{"speaker":"Miller","startTime":1431.5700000000002,"endTime":1432.05,"body":"ago,"},{"speaker":"Miller","startTime":1432.37,"endTime":1432.49,"body":"it"},{"speaker":"Miller","startTime":1432.5,"endTime":1432.68,"body":"had"},{"speaker":"Miller","startTime":1432.68,"endTime":1432.8,"body":"an"},{"speaker":"Miller","startTime":1432.8,"endTime":1433.41,"body":"indicator"},{"speaker":"Miller","startTime":1433.41,"endTime":1433.61,"body":"for"},{"speaker":"Miller","startTime":1433.61,"endTime":1434.15,"body":"investment"},{"speaker":"Miller","startTime":1434.15,"endTime":1434.56,"body":"losses"},{"speaker":"Miller","startTime":1434.56,"endTime":1434.96,"body":"greater"},{"speaker":"Miller","startTime":1434.96,"endTime":1435.1499995,"body":"than"},{"speaker":"Miller","startTime":1435.1499995,"endTime":1435.299999,"body":"2"},{"speaker":"Miller","startTime":1435.3,"endTime":1435.69,"body":"percent"},{"speaker":"Miller","startTime":1436.2900000000002,"endTime":1436.5000000000002,"body":"because"},{"speaker":"Miller","startTime":1436.5100000000002,"endTime":1436.8499995000002,"body":"just"},{"speaker":"Miller","startTime":1436.8499995000002,"endTime":1437.6399990000002,"body":"intuitively"},{"speaker":"Miller","startTime":1437.6399990000002,"endTime":1438.039999,"body":"history"},{"speaker":"Miller","startTime":1438.0400000000002,"endTime":1438.4200000000003,"body":"shows"},{"speaker":"Miller","startTime":1438.4400000000003,"endTime":1438.63,"body":"when"},{"speaker":"Miller","startTime":1438.63,"endTime":1438.9800000000002,"body":"you're"},{"speaker":"Miller","startTime":1439.259999,"endTime":1439.4699990000001,"body":"more"},{"speaker":"Miller","startTime":1439.4699990000001,"endTime":1439.6499990000002,"body":"than"},{"speaker":"Miller","startTime":1439.65,"endTime":1439.7700000000002,"body":"2"},{"speaker":"Miller","startTime":1439.7700000000002,"endTime":1440.1200000000001,"body":"percent"},{"speaker":"Miller","startTime":1440.1200000000001,"endTime":1440.7000000000003,"body":"underwater,"},{"speaker":"Miller","startTime":1440.7000000000003,"endTime":1440.8700000000001,"body":"you"},{"speaker":"Miller","startTime":1440.8700000000001,"endTime":1441.3300000000002,"body":"typically"},{"speaker":"Miller","startTime":1441.3300000000002,"endTime":1441.5000000000002,"body":"don't"},{"speaker":"Miller","startTime":1441.5000000000002,"endTime":1441.6399995000002,"body":"want"},{"speaker":"Miller","startTime":1441.6399995000002,"endTime":1441.6899990000002,"body":"to"},{"speaker":"Miller","startTime":1441.6900000000003,"endTime":1441.9400000000003,"body":"sell"},{"speaker":"Miller","startTime":1441.9400000000003,"endTime":1442.0999995000002,"body":"those"},{"speaker":"Miller","startTime":1442.0999995000002,"endTime":1442.2399990000001,"body":"investments."},{"speaker":"Miller","startTime":1442.845,"endTime":1443.015,"body":"They're"},{"speaker":"Miller","startTime":1443.015,"endTime":1443.4350000000002,"body":"still"},{"speaker":"Miller","startTime":1443.4350000000002,"endTime":1444.265,"body":"available"},{"speaker":"Miller","startTime":1444.295,"endTime":1444.4450000000002,"body":"to"},{"speaker":"Miller","startTime":1444.4450000000002,"endTime":1445.385,"body":"pledge,"},{"speaker":"Miller","startTime":1445.4250000000002,"endTime":1445.585,"body":"but"},{"speaker":"Miller","startTime":1445.585,"endTime":1445.785,"body":"that's"},{"speaker":"Miller","startTime":1445.785,"endTime":1445.835,"body":"a"},{"speaker":"Miller","startTime":1445.835,"endTime":1446.4850000000001,"body":"secondary"},{"speaker":"Miller","startTime":1446.4850000000001,"endTime":1446.815,"body":"source"},{"speaker":"Miller","startTime":1446.815,"endTime":1446.865,"body":"of"},{"speaker":"Miller","startTime":1447.095,"endTime":1447.795,"body":"liquidity"},{"speaker":"Miller","startTime":1447.805,"endTime":1448.325,"body":"and"},{"speaker":"Miller","startTime":1448.325,"endTime":1448.4750000000001,"body":"your"},{"speaker":"Miller","startTime":1448.4850000000001,"endTime":1449.115,"body":"haircuts"},{"speaker":"Miller","startTime":1449.115,"endTime":1449.2050000000002,"body":"are"},{"speaker":"Miller","startTime":1449.2250000000001,"endTime":1449.375,"body":"going"},{"speaker":"Miller","startTime":1449.375,"endTime":1449.4950000000001,"body":"to"},{"speaker":"Miller","startTime":1449.505,"endTime":1449.7150000000001,"body":"get"},{"speaker":"Miller","startTime":1449.7250000000001,"endTime":1450.4950000000001,"body":"larger,"},{"speaker":"Miller","startTime":1450.555,"endTime":1451.525,"body":"especially"},{"speaker":"Miller","startTime":1451.525,"endTime":1451.6650000000002,"body":"if"},{"speaker":"Miller","startTime":1451.6650000000002,"endTime":1451.7450000000001,"body":"a"},{"speaker":"Miller","startTime":1451.7450000000001,"endTime":1452.075,"body":"credit"},{"speaker":"Miller","startTime":1452.085,"endTime":1452.775,"body":"union"},{"speaker":"Miller","startTime":1452.785,"endTime":1453.105,"body":"starts"},{"speaker":"Miller","startTime":1453.105,"endTime":1453.375,"body":"having"},{"speaker":"Miller","startTime":1453.384999,"endTime":1453.694999,"body":"asset"},{"speaker":"Miller","startTime":1453.6950000000002,"endTime":1454.035,"body":"quality"},{"speaker":"Miller","startTime":1454.035,"endTime":1454.4150000000002,"body":"problems."},{"speaker":"Miller","startTime":1454.615,"endTime":1455.1850000000002,"body":"Generally,"},{"speaker":"Miller","startTime":1455.1850000000002,"endTime":1455.325,"body":"if"},{"speaker":"Miller","startTime":1455.325,"endTime":1455.6749995,"body":"asset"},{"speaker":"Miller","startTime":1455.6749995,"endTime":1456.034999,"body":"quality"},{"speaker":"Miller","startTime":1456.035,"endTime":1456.155,"body":"is"},{"speaker":"Miller","startTime":1456.155,"endTime":1456.4350000000002,"body":"good,"},{"speaker":"Miller","startTime":1456.4350000000002,"endTime":1456.5449995000001,"body":"they"},{"speaker":"Miller","startTime":1456.5449995000001,"endTime":1456.694999,"body":"can"},{"speaker":"Miller","startTime":1456.6950000000002,"endTime":1456.9649995,"body":"still"},{"speaker":"Miller","startTime":1456.9649995,"endTime":1457.224999,"body":"use"},{"speaker":"Miller","startTime":1457.2250000000001,"endTime":1457.4350000000002,"body":"those"},{"speaker":"Miller","startTime":1457.4350000000002,"endTime":1458.155,"body":"investments"},{"speaker":"Miller","startTime":1458.155,"endTime":1458.375,"body":"to"},{"speaker":"Miller","startTime":1458.424999,"endTime":1458.634999,"body":"assess."},{"speaker":"Miller","startTime":1459.865,"endTime":1460.405,"body":"wholesale"},{"speaker":"Miller","startTime":1460.425,"endTime":1460.825,"body":"funding."},{"speaker":"Miller","startTime":1461.9850000000001,"endTime":1461.9950000000001,"body":"A"},{"speaker":"Miller","startTime":1461.9950000000001,"endTime":1462.275,"body":"couple"},{"speaker":"Miller","startTime":1462.275,"endTime":1462.305,"body":"of"},{"speaker":"Miller","startTime":1462.3350000000003,"endTime":1462.575,"body":"other"},{"speaker":"Miller","startTime":1462.575,"endTime":1462.8950000000002,"body":"things"},{"speaker":"Miller","startTime":1462.9250000000002,"endTime":1463.265,"body":"going"},{"speaker":"Miller","startTime":1463.265,"endTime":1463.5950000000003,"body":"on"},{"speaker":"Miller","startTime":1463.5950000000003,"endTime":1463.9250000000002,"body":"that"},{"speaker":"Miller","startTime":1463.9650000000001,"endTime":1464.1350000000002,"body":"they"},{"speaker":"Miller","startTime":1464.1350000000002,"endTime":1464.315,"body":"don't"},{"speaker":"Miller","startTime":1464.3550000000002,"endTime":1464.5850000000003,"body":"talk"},{"speaker":"Miller","startTime":1464.5950000000003,"endTime":1464.9450000000002,"body":"about"},{"speaker":"Miller","startTime":1464.9450000000002,"endTime":1465.285,"body":"behind"},{"speaker":"Miller","startTime":1465.305,"endTime":1465.4350000000002,"body":"the"},{"speaker":"Miller","startTime":1465.4350000000002,"endTime":1466.035,"body":"scenes"},{"speaker":"Miller","startTime":1466.4350000000002,"endTime":1467.075,"body":"is"},{"speaker":"Miller","startTime":1467.755,"endTime":1467.9250000000002,"body":"we"},{"speaker":"Miller","startTime":1467.9250000000002,"endTime":1468.095,"body":"have"},{"speaker":"Miller","startTime":1468.095,"endTime":1468.305,"body":"these"},{"speaker":"Miller","startTime":1468.305,"endTime":1468.6350000000002,"body":"very"},{"speaker":"Miller","startTime":1468.6350000000002,"endTime":1468.9650000000001,"body":"large"},{"speaker":"Miller","startTime":1468.9650000000001,"endTime":1469.515,"body":"inflation"},{"speaker":"Miller","startTime":1469.515,"endTime":1470.025,"body":"numbers."},{"speaker":"Miller","startTime":1470.8749990000001,"endTime":1471.304999,"body":"No"},{"speaker":"Miller","startTime":1471.305,"endTime":1471.525,"body":"one"},{"speaker":"Miller","startTime":1471.525,"endTime":1471.7350000000001,"body":"really"},{"speaker":"Miller","startTime":1471.7350000000001,"endTime":1472.055,"body":"talks"},{"speaker":"Miller","startTime":1472.055,"endTime":1472.365,"body":"about"},{"speaker":"Miller","startTime":1472.365,"endTime":1472.585,"body":"them."},{"speaker":"Miller","startTime":1472.635,"endTime":1473.055,"body":"But"},{"speaker":"Miller","startTime":1473.055,"endTime":1473.175,"body":"if"},{"speaker":"Miller","startTime":1473.175,"endTime":1473.315,"body":"you"},{"speaker":"Miller","startTime":1473.315,"endTime":1473.535,"body":"go"},{"speaker":"Miller","startTime":1473.595,"endTime":1474.0349995000001,"body":"look"},{"speaker":"Miller","startTime":1474.0349995000001,"endTime":1474.3649990000001,"body":"at"},{"speaker":"Miller","startTime":1474.8050000000003,"endTime":1475.5550000000003,"body":"deposit"},{"speaker":"Miller","startTime":1475.5550000000003,"endTime":1475.9350000000002,"body":"growth"},{"speaker":"Miller","startTime":1475.9449990000003,"endTime":1476.2149990000003,"body":"since"},{"speaker":"Miller","startTime":1476.2550000000003,"endTime":1476.9050000000002,"body":"March"},{"speaker":"Miller","startTime":1477.345,"endTime":1477.5849995,"body":"of"},{"speaker":"Miller","startTime":1477.5849995,"endTime":1477.7849990000002,"body":"this"},{"speaker":"Miller","startTime":1477.785,"endTime":1478.1850000000002,"body":"year,"},{"speaker":"Miller","startTime":1479.13,"endTime":1479.39,"body":"It's"},{"speaker":"Miller","startTime":1479.8500000000001,"endTime":1480.1100000000001,"body":"0."},{"speaker":"Miller","startTime":1480.15,"endTime":1480.6200000000001,"body":"2%."},{"speaker":"Miller","startTime":1480.65,"endTime":1481.2400000000002,"body":"Deposit"},{"speaker":"Miller","startTime":1481.2400000000002,"endTime":1481.6200000000001,"body":"growth"},{"speaker":"Miller","startTime":1481.6200000000001,"endTime":1481.9,"body":"is"},{"speaker":"Miller","startTime":1481.9700000000003,"endTime":1482.4,"body":"ended."},{"speaker":"Miller","startTime":1482.45,"endTime":1482.88,"body":"People"},{"speaker":"Miller","startTime":1482.88,"endTime":1482.9700000000003,"body":"are"},{"speaker":"Miller","startTime":1482.9700000000003,"endTime":1483.5200000000002,"body":"struggling"},{"speaker":"Miller","startTime":1483.5200000000002,"endTime":1483.63,"body":"to"},{"speaker":"Miller","startTime":1483.63,"endTime":1483.89,"body":"pay"},{"speaker":"Miller","startTime":1483.89,"endTime":1484.2500000000002,"body":"bills"},{"speaker":"Miller","startTime":1484.2500000000002,"endTime":1484.39,"body":"and"},{"speaker":"Miller","startTime":1484.39,"endTime":1484.5300000000002,"body":"I'm"},{"speaker":"Miller","startTime":1484.5300000000002,"endTime":1484.7700000000002,"body":"sure"},{"speaker":"Miller","startTime":1484.7700000000002,"endTime":1484.9900000000002,"body":"that"},{"speaker":"Miller","startTime":1485.0000000000002,"endTime":1485.38,"body":"has"},{"speaker":"Miller","startTime":1485.4,"endTime":1485.5400000000002,"body":"an"},{"speaker":"Miller","startTime":1485.5500000000002,"endTime":1486.0800000000002,"body":"impact"},{"speaker":"Miller","startTime":1486.0800000000002,"endTime":1486.21,"body":"on"},{"speaker":"Miller","startTime":1486.21,"endTime":1486.41,"body":"that"},{"speaker":"Miller","startTime":1486.42,"endTime":1486.63,"body":"whole"},{"speaker":"Miller","startTime":1486.63,"endTime":1487.13,"body":"deposit"},{"speaker":"Miller","startTime":1487.13,"endTime":1487.42,"body":"growth,"},{"speaker":"Miller","startTime":1487.4399990000002,"endTime":1487.6899990000002,"body":"which"},{"speaker":"Miller","startTime":1487.6899990000002,"endTime":1487.8599990000002,"body":"is"},{"speaker":"Miller","startTime":1487.89,"endTime":1488.5100000000002,"body":"almost"},{"speaker":"Miller","startTime":1489.01,"endTime":1489.46,"body":"nothing."},{"speaker":"Miller","startTime":1489.46,"endTime":1489.6,"body":"When"},{"speaker":"Miller","startTime":1489.6,"endTime":1489.6999994999999,"body":"I"},{"speaker":"Miller","startTime":1489.6999994999999,"endTime":1489.989999,"body":"looked"},{"speaker":"Miller","startTime":1489.989999,"endTime":1490.189999,"body":"for"},{"speaker":"Miller","startTime":1490.199999,"endTime":1490.569999,"body":"March"},{"speaker":"Miller","startTime":1490.57,"endTime":1490.73,"body":"to"},{"speaker":"Miller","startTime":1490.73,"endTime":1491.1,"body":"June"},{"speaker":"Miller","startTime":1491.1,"endTime":1491.5,"body":"across"},{"speaker":"Miller","startTime":1491.5,"endTime":1491.6399999999999,"body":"the"},{"speaker":"Miller","startTime":1491.6399999999999,"endTime":1492.27,"body":"industry,"},{"speaker":"Miller","startTime":1492.319999,"endTime":1492.479999,"body":"all"},{"speaker":"Miller","startTime":1492.48,"endTime":1492.65,"body":"your"},{"speaker":"Miller","startTime":1492.65,"endTime":1493.01,"body":"asset"},{"speaker":"Miller","startTime":1493.01,"endTime":1493.29,"body":"growth"},{"speaker":"Miller","startTime":1493.29,"endTime":1493.86,"body":"was"},{"speaker":"Miller","startTime":1494.06,"endTime":1494.3,"body":"from"},{"speaker":"Miller","startTime":1494.3,"endTime":1494.6199995,"body":"borrowed"},{"speaker":"Miller","startTime":1494.6199995,"endTime":1494.959999,"body":"money."},{"speaker":"Miller","startTime":1495.7500000000002,"endTime":1496.0000000000002,"body":"So"},{"speaker":"Miller","startTime":1496.0100000000002,"endTime":1496.43,"body":"borrowed"},{"speaker":"Miller","startTime":1496.43,"endTime":1496.7800000000002,"body":"money"},{"speaker":"Miller","startTime":1496.7800000000002,"endTime":1497.0000000000002,"body":"is"},{"speaker":"Miller","startTime":1497.0000000000002,"endTime":1497.4400000000003,"body":"growing"},{"speaker":"Miller","startTime":1497.4500000000003,"endTime":1497.7800000000002,"body":"very"},{"speaker":"Miller","startTime":1497.7800000000002,"endTime":1498.5400000000002,"body":"rapidly"},{"speaker":"Miller","startTime":1498.92,"endTime":1499.0700000000002,"body":"and"},{"speaker":"Miller","startTime":1499.0700000000002,"endTime":1499.17,"body":"then"},{"speaker":"Miller","startTime":1499.17,"endTime":1499.2900000000002,"body":"we"},{"speaker":"Miller","startTime":1499.2900000000002,"endTime":1499.5,"body":"have"},{"speaker":"Miller","startTime":1499.5,"endTime":1499.7,"body":"these"},{"speaker":"Miller","startTime":1499.7,"endTime":1500.16,"body":"rising"},{"speaker":"Miller","startTime":1500.16,"endTime":1500.6000000000001,"body":"rates."},{"speaker":"Miller","startTime":1500.6100000000001,"endTime":1500.8300000000002,"body":"So"},{"speaker":"Miller","startTime":1500.8300000000002,"endTime":1501.0700000000002,"body":"what"},{"speaker":"Miller","startTime":1501.0700000000002,"endTime":1501.19,"body":"is"},{"speaker":"Miller","startTime":1501.19,"endTime":1501.2900000000002,"body":"the"},{"speaker":"Miller","startTime":1501.2900000000002,"endTime":1501.69,"body":"cost"},{"speaker":"Miller","startTime":1501.69,"endTime":1501.76,"body":"of"},{"speaker":"Miller","startTime":1501.76,"endTime":1501.95,"body":"that"},{"speaker":"Miller","startTime":1501.96,"endTime":1502.23,"body":"borrowed"},{"speaker":"Miller","startTime":1502.26,"endTime":1502.65,"body":"money?"},{"speaker":"Miller","startTime":1502.65,"endTime":1502.9,"body":"Right"},{"speaker":"Miller","startTime":1502.9,"endTime":1503.1200000000001,"body":"now"},{"speaker":"Miller","startTime":1503.1200000000001,"endTime":1503.3500000000001,"body":"it's"},{"speaker":"Miller","startTime":1503.3500000000001,"endTime":1503.5200000000002,"body":"not"},{"speaker":"Miller","startTime":1503.5500000000002,"endTime":1503.93,"body":"showing"},{"speaker":"Miller","startTime":1503.94,"endTime":1504.1100000000001,"body":"up"},{"speaker":"Miller","startTime":1504.1100000000001,"endTime":1504.2399995,"body":"in"},{"speaker":"Miller","startTime":1504.2399995,"endTime":1504.549999,"body":"cost"},{"speaker":"Miller","startTime":1504.5500000000002,"endTime":1504.65,"body":"of"},{"speaker":"Miller","startTime":1504.65,"endTime":1505.1100000000001,"body":"funds"},{"speaker":"Miller","startTime":1505.2399990000001,"endTime":1505.829999,"body":"yet"},{"speaker":"Miller","startTime":1505.96,"endTime":1506.65,"body":"because"},{"speaker":"Miller","startTime":1506.75,"endTime":1506.92,"body":"all"},{"speaker":"Miller","startTime":1506.92,"endTime":1507.0900000000001,"body":"that"},{"speaker":"Miller","startTime":1507.0900000000001,"endTime":1507.49,"body":"borrowing"},{"speaker":"Miller","startTime":1507.5,"endTime":1507.6099995000002,"body":"is"},{"speaker":"Miller","startTime":1507.6099995000002,"endTime":1508.049999,"body":"shifting"},{"speaker":"Miller","startTime":1508.0500000000002,"endTime":1508.14,"body":"to"},{"speaker":"Miller","startTime":1508.14,"endTime":1508.67,"body":"overnight."},{"speaker":"Miller","startTime":1508.73,"endTime":1509.43,"body":"Historically,"},{"speaker":"Miller","startTime":1509.4399990000002,"endTime":1509.6799990000002,"body":"credit"},{"speaker":"Miller","startTime":1509.68,"endTime":1509.88,"body":"unions,"},{"speaker":"Miller","startTime":1509.88,"endTime":1510.01,"body":"they"},{"speaker":"Miller","startTime":1510.01,"endTime":1510.2,"body":"would"},{"speaker":"Miller","startTime":1510.21,"endTime":1510.51,"body":"borrow"},{"speaker":"Miller","startTime":1510.5200000000002,"endTime":1510.7900000000002,"body":"long"},{"speaker":"Miller","startTime":1510.7900000000002,"endTime":1511.0600000000002,"body":"term"},{"speaker":"Miller","startTime":1511.069999,"endTime":1511.129999,"body":"to"},{"speaker":"Miller","startTime":1511.17,"endTime":1511.4499995,"body":"fund"},{"speaker":"Miller","startTime":1511.4499995,"endTime":1511.879999,"body":"loans."},{"speaker":"Miller","startTime":1512.3100000000002,"endTime":1512.47,"body":"They"},{"speaker":"Miller","startTime":1512.47,"endTime":1512.66,"body":"would"},{"speaker":"Miller","startTime":1512.66,"endTime":1513.0099995,"body":"borrow"},{"speaker":"Miller","startTime":1513.0099995,"endTime":1513.309999,"body":"long"},{"speaker":"Miller","startTime":1513.3100000000002,"endTime":1513.64,"body":"term"},{"speaker":"Miller","startTime":1513.64,"endTime":1513.73,"body":"to"},{"speaker":"Miller","startTime":1513.73,"endTime":1514.0099995,"body":"hedge"},{"speaker":"Miller","startTime":1514.0099995,"endTime":1514.4299990000002,"body":"interest"},{"speaker":"Miller","startTime":1514.4299990000002,"endTime":1514.6799990000002,"body":"rate"},{"speaker":"Miller","startTime":1514.6799990000002,"endTime":1515.119999,"body":"risk."},{"speaker":"Miller","startTime":1515.519999,"endTime":1515.7299990000001,"body":"Now"},{"speaker":"Miller","startTime":1515.7299990000001,"endTime":1515.949999,"body":"you're"},{"speaker":"Miller","startTime":1515.949999,"endTime":1516.599999,"body":"seeing"},{"speaker":"Miller","startTime":1516.609999,"endTime":1516.949999,"body":"just"},{"speaker":"Miller","startTime":1516.949999,"endTime":1517.149999,"body":"an"},{"speaker":"Miller","startTime":1517.149999,"endTime":1517.809999,"body":"explosive"},{"speaker":"Miller","startTime":1517.819999,"endTime":1518.329999,"body":"growth"},{"speaker":"Miller","startTime":1518.369999,"endTime":1518.639999,"body":"in"},{"speaker":"Miller","startTime":1518.699999,"endTime":1519.069999,"body":"overnight"},{"speaker":"Miller","startTime":1519.19,"endTime":1519.54,"body":"borrowed"},{"speaker":"Miller","startTime":1519.54,"endTime":1519.91,"body":"money."},{"speaker":"Miller","startTime":1520.365,"endTime":1520.4350000000002,"body":"And"},{"speaker":"Miller","startTime":1520.4350000000002,"endTime":1520.625,"body":"that's"},{"speaker":"Miller","startTime":1520.625,"endTime":1520.9950000000001,"body":"funding"},{"speaker":"Miller","startTime":1521.005,"endTime":1521.325,"body":"growth"},{"speaker":"Miller","startTime":1521.325,"endTime":1521.4550000000002,"body":"in"},{"speaker":"Miller","startTime":1521.4550000000002,"endTime":1521.595,"body":"the"},{"speaker":"Miller","startTime":1521.595,"endTime":1522.015,"body":"industry,"},{"speaker":"Miller","startTime":1522.015,"endTime":1522.105,"body":"and"},{"speaker":"Miller","startTime":1522.105,"endTime":1522.305,"body":"that's"},{"speaker":"Miller","startTime":1522.305,"endTime":1522.505,"body":"just"},{"speaker":"Miller","startTime":1522.515,"endTime":1522.7250000000001,"body":"from"},{"speaker":"Miller","startTime":1522.7250000000001,"endTime":1523.015,"body":"March"},{"speaker":"Miller","startTime":1523.015,"endTime":1523.1450000000002,"body":"to"},{"speaker":"Miller","startTime":1523.1450000000002,"endTime":1523.545,"body":"June."},{"speaker":"Miller","startTime":1524.195,"endTime":1524.455,"body":"And"},{"speaker":"Miller","startTime":1524.455,"endTime":1524.595,"body":"so"},{"speaker":"Miller","startTime":1524.595,"endTime":1524.855,"body":"those"},{"speaker":"Miller","startTime":1524.855,"endTime":1524.935,"body":"are"},{"speaker":"Miller","startTime":1524.935,"endTime":1525.115,"body":"kind"},{"speaker":"Miller","startTime":1525.115,"endTime":1525.145,"body":"of"},{"speaker":"Miller","startTime":1525.245,"endTime":1525.905,"body":"indicators"},{"speaker":"Miller","startTime":1525.905,"endTime":1526.065,"body":"that,"},{"speaker":"Miller","startTime":1526.065,"endTime":1526.345,"body":"hey,"},{"speaker":"Miller","startTime":1526.615,"endTime":1526.965,"body":"liquidity"},{"speaker":"Miller","startTime":1526.965,"endTime":1527.565,"body":"problems"},{"speaker":"Miller","startTime":1527.565,"endTime":1527.775,"body":"might"},{"speaker":"Miller","startTime":1527.775,"endTime":1527.885,"body":"be"},{"speaker":"Miller","startTime":1527.915,"endTime":1528.185,"body":"coming"},{"speaker":"Miller","startTime":1528.185,"endTime":1528.365,"body":"down"},{"speaker":"Miller","startTime":1528.365,"endTime":1528.455,"body":"the"},{"speaker":"Miller","startTime":1528.455,"endTime":1528.7349995,"body":"pike"},{"speaker":"Miller","startTime":1528.7349995,"endTime":1528.914999,"body":"for"},{"speaker":"Miller","startTime":1528.925,"endTime":1529.4849995,"body":"individual"},{"speaker":"Miller","startTime":1529.4849995,"endTime":1529.784999,"body":"credit"},{"speaker":"Miller","startTime":1529.785,"endTime":1530.245,"body":"unions."},{"speaker":"Miller","startTime":1530.814999,"endTime":1530.984999,"body":"And"},{"speaker":"Miller","startTime":1530.984999,"endTime":1531.074999,"body":"so"},{"speaker":"Miller","startTime":1531.075,"endTime":1531.175,"body":"you"},{"speaker":"Miller","startTime":1531.175,"endTime":1531.305,"body":"got"},{"speaker":"Miller","startTime":1531.305,"endTime":1531.345,"body":"a"},{"speaker":"Miller","startTime":1531.345,"endTime":1532.035,"body":"combination"},{"speaker":"Miller","startTime":1532.035,"endTime":1532.365,"body":"and"},{"speaker":"Miller","startTime":1532.475,"endTime":1532.9449995,"body":"borrowings"},{"speaker":"Miller","startTime":1532.9449995,"endTime":1533.044999,"body":"are"},{"speaker":"Miller","startTime":1533.045,"endTime":1533.3949995,"body":"going"},{"speaker":"Miller","startTime":1533.3949995,"endTime":1533.694999,"body":"up,"},{"speaker":"Miller","startTime":1533.745,"endTime":1534.305,"body":"investment"},{"speaker":"Miller","startTime":1534.305,"endTime":1534.8149994999999,"body":"values"},{"speaker":"Miller","startTime":1534.8149994999999,"endTime":1534.944999,"body":"are"},{"speaker":"Miller","startTime":1534.974999,"endTime":1535.814999,"body":"falling,"},{"speaker":"Miller","startTime":1536.275,"endTime":1536.7350000000001,"body":"gap"},{"speaker":"Miller","startTime":1536.7350000000001,"endTime":1536.9650000000001,"body":"net"},{"speaker":"Miller","startTime":1536.9650000000001,"endTime":1537.305,"body":"worth"},{"speaker":"Miller","startTime":1537.3449990000001,"endTime":1537.6049990000001,"body":"is"},{"speaker":"Miller","startTime":1537.6249990000001,"endTime":1538.3449990000001,"body":"falling."},{"speaker":"Miller","startTime":1538.3549990000001,"endTime":1538.534999,"body":"We"},{"speaker":"Miller","startTime":1538.545,"endTime":1538.7849995000001,"body":"have"},{"speaker":"Miller","startTime":1538.7849995000001,"endTime":1539.044999,"body":"these"},{"speaker":"Miller","startTime":1539.045,"endTime":1539.3549995,"body":"large"},{"speaker":"Miller","startTime":1539.3549995,"endTime":1539.944999,"body":"inflation"},{"speaker":"Miller","startTime":1539.944999,"endTime":1540.444999,"body":"numbers,"},{"speaker":"Miller","startTime":1540.494999,"endTime":1540.8449990000001,"body":"which"},{"speaker":"Miller","startTime":1541.0849990000002,"endTime":1541.8649990000001,"body":"potentially"},{"speaker":"Miller","startTime":1541.884999,"endTime":1542.424999,"body":"means"},{"speaker":"Miller","startTime":1542.444999,"endTime":1542.714999,"body":"parts"},{"speaker":"Miller","startTime":1542.935,"endTime":1542.9550000000002,"body":"of"},{"speaker":"Miller","startTime":1542.9550000000002,"endTime":1543.025,"body":"the"},{"speaker":"Miller","startTime":1543.025,"endTime":1543.595,"body":"economy"},{"speaker":"Miller","startTime":1543.595,"endTime":1543.685,"body":"are"},{"speaker":"Miller","startTime":1543.685,"endTime":1544.075,"body":"slowing"},{"speaker":"Miller","startTime":1544.075,"endTime":1544.385,"body":"down."},{"speaker":"Miller","startTime":1544.385,"endTime":1544.7050000000002,"body":"People"},{"speaker":"Miller","startTime":1544.7050000000002,"endTime":1544.775,"body":"are"},{"speaker":"Miller","startTime":1544.775,"endTime":1545.035,"body":"having"},{"speaker":"Miller","startTime":1545.125,"endTime":1545.4850000000001,"body":"troubles"},{"speaker":"Miller","startTime":1545.4850000000001,"endTime":1545.805,"body":"playing"},{"speaker":"Miller","startTime":1545.805,"endTime":1546.335,"body":"bills."},{"speaker":"Miller","startTime":1546.92,"endTime":1547.0200000000002,"body":"I"},{"speaker":"Miller","startTime":1547.0200000000002,"endTime":1547.6000000000001,"body":"remember"},{"speaker":"Miller","startTime":1547.6100000000001,"endTime":1547.8600000000001,"body":"one"},{"speaker":"Miller","startTime":1547.8600000000001,"endTime":1547.99,"body":"of"},{"speaker":"Miller","startTime":1547.99,"endTime":1548.14,"body":"our"},{"speaker":"Miller","startTime":1548.14,"endTime":1548.64,"body":"clients,"},{"speaker":"Miller","startTime":1548.64,"endTime":1548.7800000000002,"body":"we"},{"speaker":"Miller","startTime":1548.7800000000002,"endTime":1548.92,"body":"were"},{"speaker":"Miller","startTime":1548.92,"endTime":1549.2,"body":"having"},{"speaker":"Miller","startTime":1549.2,"endTime":1549.2700000000002,"body":"a"},{"speaker":"Miller","startTime":1549.2700000000002,"endTime":1550.0400000000002,"body":"conversation"},{"speaker":"Miller","startTime":1550.0400000000002,"endTime":1550.1200000000001,"body":"or"},{"speaker":"Miller","startTime":1550.1200000000001,"endTime":1550.3000000000002,"body":"they"},{"speaker":"Miller","startTime":1550.3000000000002,"endTime":1550.47,"body":"had"},{"speaker":"Miller","startTime":1550.47,"endTime":1550.6100000000001,"body":"us"},{"speaker":"Miller","startTime":1550.6100000000001,"endTime":1550.7600000000002,"body":"look"},{"speaker":"Miller","startTime":1550.7600000000002,"endTime":1550.8600000000001,"body":"at"},{"speaker":"Miller","startTime":1550.8600000000001,"endTime":1550.99,"body":"their"},{"speaker":"Miller","startTime":1550.99,"endTime":1551.2900000000002,"body":"credit"},{"speaker":"Miller","startTime":1551.2900000000002,"endTime":1551.7900000000002,"body":"committee"},{"speaker":"Miller","startTime":1551.8500000000001,"endTime":1552.47,"body":"meetings"},{"speaker":"Miller","startTime":1552.47,"endTime":1552.7800000000002,"body":"and"},{"speaker":"Miller","startTime":1553.1000000000001,"endTime":1553.39,"body":"their"},{"speaker":"Miller","startTime":1553.4,"endTime":1553.78,"body":"cost"},{"speaker":"Miller","startTime":1553.78,"endTime":1553.8700000000001,"body":"of"},{"speaker":"Miller","startTime":1553.8700000000001,"endTime":1554.25,"body":"fuel"},{"speaker":"Miller","startTime":1554.25,"endTime":1554.6100000000001,"body":"oil"},{"speaker":"Miller","startTime":1554.63,"endTime":1554.76,"body":"for"},{"speaker":"Miller","startTime":1554.76,"endTime":1554.96,"body":"that"},{"speaker":"Miller","startTime":1554.96,"endTime":1555.18,"body":"one"},{"speaker":"Miller","startTime":1555.18,"endTime":1555.58,"body":"person,"},{"speaker":"Miller","startTime":1555.58,"endTime":1555.74,"body":"their"},{"speaker":"Miller","startTime":1555.74,"endTime":1556.21,"body":"members"},{"speaker":"Miller","startTime":1556.41,"endTime":1556.92,"body":"tripled"},{"speaker":"Miller","startTime":1556.94,"endTime":1557.17,"body":"from"},{"speaker":"Miller","startTime":1557.17,"endTime":1557.5199995,"body":"last"},{"speaker":"Miller","startTime":1557.5199995,"endTime":1557.7399990000001,"body":"year."},{"speaker":"Miller","startTime":1558.2999990000003,"endTime":1558.5099990000003,"body":"And"},{"speaker":"Miller","startTime":1558.5100000000002,"endTime":1558.6600000000003,"body":"so"},{"speaker":"Miller","startTime":1558.6600000000003,"endTime":1558.8100000000002,"body":"they"},{"speaker":"Miller","startTime":1558.8100000000002,"endTime":1558.9800000000002,"body":"had"},{"speaker":"Miller","startTime":1558.9800000000002,"endTime":1559.2000000000003,"body":"just"},{"speaker":"Miller","startTime":1559.2999990000003,"endTime":1559.3999990000002,"body":"a"},{"speaker":"Miller","startTime":1559.4000000000003,"endTime":1559.8100000000002,"body":"segment"},{"speaker":"Miller","startTime":1559.8100000000002,"endTime":1559.9400000000003,"body":"of"},{"speaker":"Miller","startTime":1559.9500000000003,"endTime":1560.1400000000003,"body":"their"},{"speaker":"Miller","startTime":1560.1500000000003,"endTime":1560.3799995000002,"body":"middle"},{"speaker":"Miller","startTime":1560.3799995000002,"endTime":1560.7199990000001,"body":"class"},{"speaker":"Miller","startTime":1560.7200000000003,"endTime":1561.1500000000003,"body":"members"},{"speaker":"Miller","startTime":1561.1500000000003,"endTime":1561.3700000000003,"body":"are"},{"speaker":"Miller","startTime":1561.5399990000003,"endTime":1561.5799990000003,"body":"going"},{"speaker":"Miller","startTime":1561.5800000000002,"endTime":1561.6600000000003,"body":"to"},{"speaker":"Miller","startTime":1561.6600000000003,"endTime":1562.0800000000002,"body":"struggle"},{"speaker":"Miller","startTime":1562.0899990000003,"endTime":1562.2899990000003,"body":"just"},{"speaker":"Miller","startTime":1562.2899990000003,"endTime":1562.5699990000003,"body":"because"},{"speaker":"Miller","startTime":1562.5700000000002,"endTime":1562.7000000000003,"body":"of"},{"speaker":"Miller","startTime":1562.7000000000003,"endTime":1562.8299995000002,"body":"the"},{"speaker":"Miller","startTime":1562.8299995000002,"endTime":1562.9899990000001,"body":"increase."},{"speaker":"Miller","startTime":1563.1950000000002,"endTime":1563.425,"body":"Costs"},{"speaker":"Miller","startTime":1563.9550000000002,"endTime":1564.115,"body":"in"},{"speaker":"Miller","startTime":1564.125,"endTime":1564.415,"body":"heating"},{"speaker":"Miller","startTime":1564.415,"endTime":1564.7350000000001,"body":"costs"},{"speaker":"Miller","startTime":1564.755,"endTime":1564.9650000000001,"body":"this"},{"speaker":"Miller","startTime":1564.9750000000001,"endTime":1565.405,"body":"winter."},{"speaker":"Miller","startTime":1565.405,"endTime":1565.915,"body":"So"},{"speaker":"Miller","startTime":1566.615,"endTime":1566.865,"body":"there's"},{"speaker":"Miller","startTime":1566.865,"endTime":1567.105,"body":"lots"},{"speaker":"Miller","startTime":1567.105,"endTime":1567.245,"body":"of"},{"speaker":"Miller","startTime":1567.245,"endTime":1567.475,"body":"little"},{"speaker":"Miller","startTime":1567.475,"endTime":1567.915,"body":"warning"},{"speaker":"Miller","startTime":1567.915,"endTime":1568.605,"body":"indicators"},{"speaker":"Miller","startTime":1568.605,"endTime":1568.925,"body":"around"},{"speaker":"Miller","startTime":1568.925,"endTime":1569.595,"body":"liquidity."},{"speaker":"Miller","startTime":1569.605,"endTime":1569.7849999999999,"body":"And"},{"speaker":"Miller","startTime":1569.7849999999999,"endTime":1569.925,"body":"so"},{"speaker":"Miller","startTime":1569.925,"endTime":1570.085,"body":"they"},{"speaker":"Miller","startTime":1570.085,"endTime":1570.3049999999998,"body":"did"},{"speaker":"Miller","startTime":1570.3049999999998,"endTime":1570.715,"body":"mention"},{"speaker":"Miller","startTime":1570.715,"endTime":1571.0349999999999,"body":"during"},{"speaker":"Miller","startTime":1571.0349999999999,"endTime":1571.145,"body":"the"},{"speaker":"Miller","startTime":1571.145,"endTime":1571.705,"body":"podcast"},{"speaker":"Miller","startTime":1571.705,"endTime":1571.945,"body":"today,"},{"speaker":"Miller","startTime":1571.945,"endTime":1572.105,"body":"there"},{"speaker":"Miller","startTime":1572.105,"endTime":1572.235,"body":"is"},{"speaker":"Miller","startTime":1572.235,"endTime":1572.3049999999998,"body":"a"},{"speaker":"Miller","startTime":1572.3049999999998,"endTime":1572.825,"body":"liquidity"},{"speaker":"Miller","startTime":1572.835,"endTime":1573.5049999999999,"body":"regulation,"},{"speaker":"Miller","startTime":1573.864999,"endTime":1574.054999,"body":"you"},{"speaker":"Miller","startTime":1574.0549999999998,"endTime":1574.215,"body":"are"},{"speaker":"Miller","startTime":1574.215,"endTime":1574.605,"body":"supposed"},{"speaker":"Miller","startTime":1574.605,"endTime":1574.665,"body":"to"},{"speaker":"Miller","startTime":1574.665,"endTime":1574.835,"body":"have"},{"speaker":"Miller","startTime":1574.835,"endTime":1574.895,"body":"a"},{"speaker":"Miller","startTime":1574.895,"endTime":1575.6549995,"body":"contingency"},{"speaker":"Miller","startTime":1575.6549995,"endTime":1576.024999,"body":"funding"},{"speaker":"Miller","startTime":1576.034999,"endTime":1576.504999,"body":"plan."},{"speaker":"Miller","startTime":1576.835,"endTime":1576.9849995,"body":"You"},{"speaker":"Miller","startTime":1576.9849995,"endTime":1577.1449989999999,"body":"do"},{"speaker":"Miller","startTime":1577.1549989999999,"endTime":1577.364999,"body":"have"},{"speaker":"Miller","startTime":1577.364999,"endTime":1577.484999,"body":"to"},{"speaker":"Miller","startTime":1577.484999,"endTime":1577.9249989999998,"body":"have"},{"speaker":"Miller","startTime":1577.925,"endTime":1578.065,"body":"the"},{"speaker":"Miller","startTime":1578.335,"endTime":1578.815,"body":"access"},{"speaker":"Miller","startTime":1578.815,"endTime":1578.925,"body":"to"},{"speaker":"Miller","startTime":1578.925,"endTime":1579.0249995,"body":"the"},{"speaker":"Miller","startTime":1579.0249995,"endTime":1579.294999,"body":"federal"},{"speaker":"Miller","startTime":1579.2949999999998,"endTime":1579.685,"body":"reserve"},{"speaker":"Miller","startTime":1579.685,"endTime":1579.7649999999999,"body":"or"},{"speaker":"Miller","startTime":1579.7649999999999,"endTime":1579.9049995,"body":"the"},{"speaker":"Miller","startTime":1579.9049995,"endTime":1580.3949989999999,"body":"CLF,"},{"speaker":"Miller","startTime":1580.464999,"endTime":1580.604999,"body":"if"},{"speaker":"Miller","startTime":1580.605,"endTime":1580.7849999999999,"body":"you're"},{"speaker":"Miller","startTime":1580.7849999999999,"endTime":1580.985,"body":"over"},{"speaker":"Miller","startTime":1581.0049999999999,"endTime":1581.865,"body":"250"},{"speaker":"Miller","startTime":1581.895,"endTime":1582.355,"body":"million."},{"speaker":"Miller","startTime":1582.835,"endTime":1582.9950000000001,"body":"So"},{"speaker":"Miller","startTime":1582.9950000000001,"endTime":1583.2450000000001,"body":"just"},{"speaker":"Miller","startTime":1583.2450000000001,"endTime":1583.385,"body":"as"},{"speaker":"Miller","startTime":1583.385,"endTime":1583.465,"body":"a"},{"speaker":"Miller","startTime":1583.465,"endTime":1583.815,"body":"side"},{"speaker":"Miller","startTime":1583.815,"endTime":1584.135,"body":"note,"},{"speaker":"Miller","startTime":1584.165,"endTime":1584.435,"body":"even"},{"speaker":"Miller","startTime":1584.435,"endTime":1584.595,"body":"though"},{"speaker":"Miller","startTime":1584.595,"endTime":1584.825,"body":"this"},{"speaker":"Miller","startTime":1584.825,"endTime":1585.005,"body":"is"},{"speaker":"Miller","startTime":1585.005,"endTime":1585.095,"body":"a"},{"speaker":"Miller","startTime":1585.095,"endTime":1585.625,"body":"podcast"},{"speaker":"Miller","startTime":1585.675,"endTime":1585.925,"body":"about"},{"speaker":"Miller","startTime":1585.955,"endTime":1586.345,"body":"interest"},{"speaker":"Miller","startTime":1586.345,"endTime":1586.555,"body":"rate"},{"speaker":"Miller","startTime":1586.555,"endTime":1586.835,"body":"risk."},{"speaker":"Miller","startTime":1586.9950000000001,"endTime":1587.0650000000003,"body":"The"},{"speaker":"Miller","startTime":1587.0650000000003,"endTime":1587.7050000000002,"body":"industry"},{"speaker":"Miller","startTime":1587.7050000000002,"endTime":1587.8850000000002,"body":"would"},{"speaker":"Miller","startTime":1587.8950000000002,"endTime":1588.1150000000002,"body":"do"},{"speaker":"Miller","startTime":1588.1150000000002,"endTime":1588.4350000000002,"body":"well"},{"speaker":"Miller","startTime":1588.4350000000002,"endTime":1588.6050000000002,"body":"to"},{"speaker":"Miller","startTime":1588.6050000000002,"endTime":1588.8450000000003,"body":"go"},{"speaker":"Miller","startTime":1588.8550000000002,"endTime":1589.3850000000002,"body":"reassess"},{"speaker":"Miller","startTime":1589.3850000000002,"endTime":1589.7250000000001,"body":"their"},{"speaker":"Miller","startTime":1589.8750000000002,"endTime":1590.4350000000002,"body":"liquidity"},{"speaker":"Miller","startTime":1590.4450000000002,"endTime":1590.7450000000001,"body":"risk"},{"speaker":"Miller","startTime":1590.7450000000001,"endTime":1590.8550000000002,"body":"at"},{"speaker":"Miller","startTime":1590.8550000000002,"endTime":1590.9650000000001,"body":"an"},{"speaker":"Miller","startTime":1590.9750000000001,"endTime":1591.5550000000003,"body":"individual"},{"speaker":"Miller","startTime":1591.5850000000003,"endTime":1592.0650000000003,"body":"party"},{"speaker":"Miller","startTime":1592.1250000000002,"endTime":1592.5550000000003,"body":"level"},{"speaker":"Miller","startTime":1592.8750000000002,"endTime":1593.2050000000002,"body":"and"},{"speaker":"Miller","startTime":1593.2950000000003,"endTime":1593.6050000000002,"body":"see"},{"speaker":"Miller","startTime":1593.6050000000002,"endTime":1593.7450000000001,"body":"if"},{"speaker":"Miller","startTime":1593.7450000000001,"endTime":1594.5850000000003,"body":"strategies"},{"speaker":"Miller","startTime":1594.5950000000003,"endTime":1594.9450000000002,"body":"about"},{"speaker":"Miller","startTime":1594.9450000000002,"endTime":1595.2350000000001,"body":"that"},{"speaker":"Miller","startTime":1595.3750000000002,"endTime":1595.765,"body":"might"},{"speaker":"Miller","startTime":1595.9850000000001,"endTime":1596.1750000000002,"body":"need"},{"speaker":"Miller","startTime":1596.1850000000002,"endTime":1596.2849995000001,"body":"to"},{"speaker":"Miller","startTime":1596.2849995000001,"endTime":1596.5849990000002,"body":"change"},{"speaker":"Miller","startTime":1596.5850000000003,"endTime":1596.7250000000001,"body":"as"},{"speaker":"Miller","startTime":1596.7250000000001,"endTime":1596.9750000000001,"body":"well."},{"speaker":"Treichel","startTime":1597.645,"endTime":1597.895,"body":"No,"},{"speaker":"Treichel","startTime":1597.895,"endTime":1598.135,"body":"that's"},{"speaker":"Treichel","startTime":1598.135,"endTime":1598.1950000000002,"body":"a"},{"speaker":"Treichel","startTime":1598.1950000000002,"endTime":1598.4750000000001,"body":"great"},{"speaker":"Treichel","startTime":1598.505,"endTime":1598.845,"body":"point."},{"speaker":"Treichel","startTime":1598.8749990000001,"endTime":1599.1149990000001,"body":"And"},{"speaker":"Treichel","startTime":1599.115,"endTime":1599.4350000000002,"body":"it's,"},{"speaker":"Treichel","startTime":1599.4450000000002,"endTime":1599.755,"body":"they're"},{"speaker":"Treichel","startTime":1599.755,"endTime":1600.4450000000002,"body":"related"},{"speaker":"Treichel","startTime":1600.4750000000001,"endTime":1600.6750000000002,"body":"and"},{"speaker":"Treichel","startTime":1600.6750000000002,"endTime":1600.7849995000001,"body":"an"},{"speaker":"Treichel","startTime":1600.7849995000001,"endTime":1601.0949990000001,"body":"issue"},{"speaker":"Treichel","startTime":1601.095,"endTime":1601.1750000000002,"body":"I"},{"speaker":"Treichel","startTime":1601.1750000000002,"endTime":1601.4650000000001,"body":"think"},{"speaker":"Treichel","startTime":1601.565,"endTime":1601.895,"body":"that's"},{"speaker":"Treichel","startTime":1601.9050000000002,"endTime":1602.395,"body":"brewing."},{"speaker":"Treichel","startTime":1602.8350000000003,"endTime":1603.2850000000003,"body":"And"},{"speaker":"Treichel","startTime":1603.2950000000003,"endTime":1603.4849995000002,"body":"as"},{"speaker":"Treichel","startTime":1603.4849995000002,"endTime":1603.6049990000004,"body":"you"},{"speaker":"Treichel","startTime":1603.6050000000002,"endTime":1604.0350000000003,"body":"mentioned,"},{"speaker":"Treichel","startTime":1604.0350000000003,"endTime":1604.1750000000002,"body":"you've"},{"speaker":"Treichel","startTime":1604.1750000000002,"endTime":1604.3750000000002,"body":"got,"},{"speaker":"Treichel","startTime":1604.6850000000002,"endTime":1604.9749995000002,"body":"you"},{"speaker":"Treichel","startTime":1604.9749995000002,"endTime":1605.1349990000003,"body":"didn't"},{"speaker":"Treichel","startTime":1605.1349990000003,"endTime":1605.3949990000003,"body":"miss"},{"speaker":"Treichel","startTime":1605.4250000000002,"endTime":1605.7950000000003,"body":"mentions"},{"speaker":"Treichel","startTime":1605.7950010000002,"endTime":1605.9250005000004,"body":"of"},{"speaker":"Treichel","startTime":1605.9250005000004,"endTime":1606.4250000000002,"body":"specifics,"},{"speaker":"Treichel","startTime":1606.4250000000002,"endTime":1606.5649995000003,"body":"but"},{"speaker":"Treichel","startTime":1606.5649995000003,"endTime":1606.6749990000003,"body":"you've"},{"speaker":"Treichel","startTime":1606.6750000000002,"endTime":1606.8150000000003,"body":"got"},{"speaker":"Treichel","startTime":1606.8150000000003,"endTime":1606.9250000000002,"body":"the"},{"speaker":"Treichel","startTime":1606.9250000000002,"endTime":1607.2550000000003,"body":"corporate"},{"speaker":"Treichel","startTime":1607.2550000000003,"endTime":1607.5050000000003,"body":"credit"},{"speaker":"Treichel","startTime":1607.5150000000003,"endTime":1607.8450000000003,"body":"unions,"},{"speaker":"Treichel","startTime":1607.8450000000003,"endTime":1607.8750000000002,"body":"you've"},{"speaker":"Treichel","startTime":1607.8950000000002,"endTime":1608.0550000000003,"body":"got"},{"speaker":"Treichel","startTime":1608.0550000000003,"endTime":1608.1250000000002,"body":"the"},{"speaker":"Treichel","startTime":1608.1250000000002,"endTime":1608.4150000000002,"body":"federal"},{"speaker":"Treichel","startTime":1608.9950000000003,"endTime":1609.2250000000001,"body":"home"},{"speaker":"Treichel","startTime":1609.2250000000001,"endTime":1609.4050000000002,"body":"loan"},{"speaker":"Treichel","startTime":1609.4050000000002,"endTime":1609.9050000000002,"body":"banks."},{"speaker":"Treichel","startTime":1610.4050000000002,"endTime":1610.4250000000002,"body":"Of"},{"speaker":"Treichel","startTime":1610.4250000000002,"endTime":1610.6250000000002,"body":"course,"},{"speaker":"Treichel","startTime":1610.6250000000002,"endTime":1610.7250000000001,"body":"you've"},{"speaker":"Treichel","startTime":1610.7450000000001,"endTime":1610.9450000000002,"body":"got"},{"speaker":"Treichel","startTime":1610.9450000000002,"endTime":1611.045,"body":"the"},{"speaker":"Treichel","startTime":1611.045,"endTime":1611.4550000000002,"body":"fed"},{"speaker":"Treichel","startTime":1611.4750000000001,"endTime":1611.7450000000001,"body":"and"},{"speaker":"Treichel","startTime":1611.795,"endTime":1612.055,"body":"their"},{"speaker":"Treichel","startTime":1612.0650000000003,"endTime":1612.8250000000003,"body":"liquidity"},{"speaker":"Treichel","startTime":1613.5850000000003,"endTime":1614.1950000000002,"body":"borrowing"},{"speaker":"Treichel","startTime":1614.2050000000002,"endTime":1615.1450000000002,"body":"abilities."},{"speaker":"Treichel","startTime":1615.5650000000003,"endTime":1615.8150000000003,"body":"Can"},{"speaker":"Treichel","startTime":1615.8150000000003,"endTime":1616.005,"body":"be"},{"speaker":"Treichel","startTime":1616.005,"endTime":1616.1750000000002,"body":"at"},{"speaker":"Treichel","startTime":1616.1750000000002,"endTime":1616.4650000000001,"body":"one"},{"speaker":"Treichel","startTime":1616.4650000000001,"endTime":1616.6050000000002,"body":"or"},{"speaker":"Treichel","startTime":1616.6050000000002,"endTime":1616.8550000000002,"body":"all"},{"speaker":"Treichel","startTime":1616.8550000000002,"endTime":1617.015,"body":"of"},{"speaker":"Treichel","startTime":1617.015,"endTime":1617.3750000000002,"body":"those"},{"speaker":"Treichel","startTime":1617.4750000000001,"endTime":1617.8350000000003,"body":"and"},{"speaker":"Treichel","startTime":1617.8450000000003,"endTime":1617.9050000000002,"body":"of"},{"speaker":"Treichel","startTime":1617.9050000000002,"endTime":1618.255,"body":"course,"},{"speaker":"Treichel","startTime":1618.3350000000003,"endTime":1618.7450000000001,"body":"obviously,"},{"speaker":"Treichel","startTime":1618.7450000000001,"endTime":1619.1350000000002,"body":"depending"},{"speaker":"Treichel","startTime":1619.1350000000002,"endTime":1619.255,"body":"on"},{"speaker":"Treichel","startTime":1619.255,"endTime":1619.3850000000002,"body":"their"},{"speaker":"Treichel","startTime":1619.3850000000002,"endTime":1619.8150000000003,"body":"size,"},{"speaker":"Treichel","startTime":1619.8450000000003,"endTime":1620.0850000000003,"body":"but"},{"speaker":"Treichel","startTime":1620.3850000000002,"endTime":1620.7350000000001,"body":"other"},{"speaker":"Treichel","startTime":1620.7350000000001,"endTime":1621.3450000000003,"body":"factors"},{"speaker":"Treichel","startTime":1621.3450000000003,"endTime":1621.515,"body":"are"},{"speaker":"Treichel","startTime":1621.8450000000003,"endTime":1622.5750000000003,"body":"potentially"},{"speaker":"Treichel","startTime":1622.6050000000002,"endTime":1623.005,"body":"painting"},{"speaker":"Treichel","startTime":1623.005,"endTime":1623.2350000000001,"body":"some"},{"speaker":"Treichel","startTime":1623.2350000000001,"endTime":1623.4850000000001,"body":"credit"},{"speaker":"Treichel","startTime":1623.4950000000001,"endTime":1623.8449995,"body":"unions"},{"speaker":"Treichel","startTime":1623.8449995,"endTime":1623.9849990000002,"body":"in"},{"speaker":"Treichel","startTime":1623.9850000000001,"endTime":1624.1150000000002,"body":"a"},{"speaker":"Treichel","startTime":1624.2050000000002,"endTime":1624.7450000000001,"body":"corner"},{"speaker":"Treichel","startTime":1625.1450000000002,"endTime":1625.515,"body":"because"},{"speaker":"Treichel","startTime":1625.515,"endTime":1625.6450000000002,"body":"of"},{"speaker":"Treichel","startTime":1625.6450000000002,"endTime":1625.7149995000002,"body":"the"},{"speaker":"Treichel","startTime":1625.7149995000002,"endTime":1626.0949990000001,"body":"fact"},{"speaker":"Treichel","startTime":1626.1450000000002,"endTime":1626.3750000000002,"body":"of"},{"speaker":"Treichel","startTime":1626.384999,"endTime":1626.5049990000002,"body":"the"},{"speaker":"Treichel","startTime":1626.5049990000002,"endTime":1626.8449990000001,"body":"value"},{"speaker":"Treichel","startTime":1626.8449990000001,"endTime":1626.954999,"body":"of"},{"speaker":"Treichel","startTime":1626.9550000000002,"endTime":1627.0949995,"body":"their"},{"speaker":"Treichel","startTime":1627.0949995,"endTime":1627.884999,"body":"portfolios"},{"speaker":"Treichel","startTime":1627.884999,"endTime":1628.174999,"body":"because"},{"speaker":"Treichel","startTime":1628.174999,"endTime":1628.204999,"body":"of"},{"speaker":"Treichel","startTime":1628.214999,"endTime":1628.3149990000002,"body":"the"},{"speaker":"Treichel","startTime":1628.315,"endTime":1628.6250000000002,"body":"fact"},{"speaker":"Treichel","startTime":1628.6250000000002,"endTime":1628.7149995000002,"body":"that"},{"speaker":"Treichel","startTime":1628.7149995000002,"endTime":1628.974999,"body":"maybe"},{"speaker":"Treichel","startTime":1628.9750000000001,"endTime":1629.115,"body":"they've"},{"speaker":"Treichel","startTime":1629.115,"endTime":1629.3750000000002,"body":"already"},{"speaker":"Treichel","startTime":1629.3750000000002,"endTime":1630.005,"body":"accessed"},{"speaker":"Treichel","startTime":1630.015,"endTime":1630.2450000000001,"body":"some"},{"speaker":"Treichel","startTime":1630.2450000000001,"endTime":1630.325,"body":"of"},{"speaker":"Treichel","startTime":1630.325,"endTime":1630.4750000000001,"body":"their"},{"speaker":"Treichel","startTime":1630.4750000000001,"endTime":1631.005,"body":"lines"},{"speaker":"Treichel","startTime":1631.3749990000001,"endTime":1631.6049990000001,"body":"and"},{"speaker":"Treichel","startTime":1631.6049990000001,"endTime":1631.8049990000002,"body":"as"},{"speaker":"Treichel","startTime":1631.8049990000002,"endTime":1632.1149990000001,"body":"numbers"},{"speaker":"Treichel","startTime":1632.1249990000001,"endTime":1632.424999,"body":"start"},{"speaker":"Treichel","startTime":1632.4250000000002,"endTime":1632.515,"body":"to"},{"speaker":"Treichel","startTime":1632.515,"endTime":1633.1250000000002,"body":"deteriorate,"},{"speaker":"Treichel","startTime":1633.1251000000002,"endTime":1633.7499,"body":"those."},{"speaker":"Treichel","startTime":1633.95,"endTime":1634.7,"body":"Sources"},{"speaker":"Treichel","startTime":1634.94,"endTime":1635.23,"body":"tend"},{"speaker":"Treichel","startTime":1635.23,"endTime":1635.53,"body":"to"},{"speaker":"Treichel","startTime":1635.54,"endTime":1636,"body":"look"},{"speaker":"Treichel","startTime":1636.4,"endTime":1636.5,"body":"a"},{"speaker":"Treichel","startTime":1636.5,"endTime":1636.76,"body":"little"},{"speaker":"Treichel","startTime":1636.76,"endTime":1637.01,"body":"bit"},{"speaker":"Treichel","startTime":1637.01,"endTime":1637.71,"body":"more"},{"speaker":"Treichel","startTime":1637.76,"endTime":1638.47,"body":"closely"},{"speaker":"Treichel","startTime":1638.49,"endTime":1638.71,"body":"at"},{"speaker":"Treichel","startTime":1638.71,"endTime":1638.8100000000002,"body":"the"},{"speaker":"Treichel","startTime":1638.8100000000002,"endTime":1639.16,"body":"credit"},{"speaker":"Treichel","startTime":1639.16,"endTime":1639.49,"body":"union."},{"speaker":"Treichel","startTime":1639.53,"endTime":1639.5900000000001,"body":"I"},{"speaker":"Treichel","startTime":1639.5900000000001,"endTime":1639.8500000000001,"body":"think"},{"speaker":"Treichel","startTime":1639.8500000000001,"endTime":1640.13,"body":"you've"},{"speaker":"Treichel","startTime":1640.2,"endTime":1640.51,"body":"said"},{"speaker":"Treichel","startTime":1640.5101,"endTime":1640.8200000000002,"body":"they"},{"speaker":"Treichel","startTime":1640.8200000000002,"endTime":1641.1299000000004,"body":"put,"},{"speaker":"Treichel","startTime":1641.13,"endTime":1641.28,"body":"they"},{"speaker":"Treichel","startTime":1641.28,"endTime":1641.45,"body":"may"},{"speaker":"Treichel","startTime":1641.45,"endTime":1641.75,"body":"start"},{"speaker":"Treichel","startTime":1641.76,"endTime":1642.38,"body":"monitoring"},{"speaker":"Treichel","startTime":1642.38,"endTime":1642.54,"body":"and"},{"speaker":"Treichel","startTime":1642.54,"endTime":1642.75,"body":"put"},{"speaker":"Treichel","startTime":1642.75,"endTime":1642.92,"body":"them"},{"speaker":"Treichel","startTime":1642.92,"endTime":1643.0600000000002,"body":"on"},{"speaker":"Treichel","startTime":1643.069999,"endTime":1643.269999,"body":"some"},{"speaker":"Treichel","startTime":1643.27,"endTime":1643.46,"body":"sort"},{"speaker":"Treichel","startTime":1643.46,"endTime":1643.55,"body":"of"},{"speaker":"Treichel","startTime":1643.55,"endTime":1643.91,"body":"watch"},{"speaker":"Treichel","startTime":1643.91,"endTime":1644.13,"body":"list."},{"speaker":"Treichel","startTime":1644.18,"endTime":1644.3400000000001,"body":"It's"},{"speaker":"Treichel","startTime":1644.3400000000001,"endTime":1644.68,"body":"something"},{"speaker":"Treichel","startTime":1644.69,"endTime":1644.88,"body":"you"},{"speaker":"Treichel","startTime":1644.88,"endTime":1645.3,"body":"definitely"},{"speaker":"Treichel","startTime":1645.3,"endTime":1645.5,"body":"want"},{"speaker":"Treichel","startTime":1645.5,"endTime":1645.5600000000002,"body":"to"},{"speaker":"Treichel","startTime":1645.5600000000002,"endTime":1645.73,"body":"get"},{"speaker":"Treichel","startTime":1645.73,"endTime":1646.0299995,"body":"ahead"},{"speaker":"Treichel","startTime":1646.0299995,"endTime":1646.1999990000002,"body":"of"},{"speaker":"Treichel","startTime":1646.22,"endTime":1646.5900000000001,"body":"before"},{"speaker":"Treichel","startTime":1646.5900000000001,"endTime":1646.7399995,"body":"you"},{"speaker":"Treichel","startTime":1646.7399995,"endTime":1646.869999,"body":"end"},{"speaker":"Treichel","startTime":1646.8700000000001,"endTime":1647.1100000000001,"body":"up"},{"speaker":"Treichel","startTime":1647.2,"endTime":1647.69,"body":"having"},{"speaker":"Treichel","startTime":1647.7,"endTime":1647.9399995,"body":"some"},{"speaker":"Treichel","startTime":1647.9399995,"endTime":1648.049999,"body":"of"},{"speaker":"Treichel","startTime":1648.05,"endTime":1648.3,"body":"those"},{"speaker":"Treichel","startTime":1648.3,"endTime":1648.55,"body":"things"},{"speaker":"Treichel","startTime":1648.55,"endTime":1649.18,"body":"evaporate"},{"speaker":"Treichel","startTime":1649.46,"endTime":1649.7699995,"body":"under"},{"speaker":"Treichel","startTime":1649.7699995,"endTime":1649.919999,"body":"you."},{"speaker":"Treichel","startTime":1649.92,"endTime":1650,"body":"And"},{"speaker":"Treichel","startTime":1650.4599990000002,"endTime":1650.6999990000002,"body":"as"},{"speaker":"Treichel","startTime":1650.7,"endTime":1650.8199995,"body":"I've"},{"speaker":"Treichel","startTime":1650.8199995,"endTime":1651.039999,"body":"heard"},{"speaker":"Treichel","startTime":1651.039999,"endTime":1651.259999,"body":"said"},{"speaker":"Treichel","startTime":1651.26,"endTime":1651.5900000000001,"body":"before,"},{"speaker":"Treichel","startTime":1651.5900000000001,"endTime":1652.0800000000002,"body":"liquidity"},{"speaker":"Treichel","startTime":1652.0800000000002,"endTime":1652.3600000000001,"body":"doesn't"},{"speaker":"Treichel","startTime":1652.3700000000001,"endTime":1652.76,"body":"matter"},{"speaker":"Treichel","startTime":1652.76,"endTime":1653.0800000000002,"body":"until"},{"speaker":"Treichel","startTime":1653.0800000000002,"endTime":1653.14,"body":"it"},{"speaker":"Treichel","startTime":1653.17,"endTime":1653.63,"body":"matters."},{"speaker":"Treichel","startTime":1653.63,"endTime":1653.77,"body":"And"},{"speaker":"Treichel","startTime":1653.77,"endTime":1653.92,"body":"when,"},{"speaker":"Treichel","startTime":1653.96,"endTime":1654.13,"body":"and"},{"speaker":"Treichel","startTime":1654.13,"endTime":1654.24,"body":"then"},{"speaker":"Treichel","startTime":1654.24,"endTime":1654.38,"body":"it's"},{"speaker":"Treichel","startTime":1654.38,"endTime":1654.5600000000002,"body":"the"},{"speaker":"Treichel","startTime":1654.5600000000002,"endTime":1654.8200000000002,"body":"only"},{"speaker":"Treichel","startTime":1654.8500000000001,"endTime":1655.03,"body":"thing"},{"speaker":"Treichel","startTime":1655.03,"endTime":1655.16,"body":"that"},{"speaker":"Treichel","startTime":1655.16,"endTime":1655.6100000000001,"body":"matters."},{"speaker":"Miller","startTime":1656.945,"endTime":1657.165,"body":"Yeah,"},{"speaker":"Miller","startTime":1657.165,"endTime":1657.325,"body":"and"},{"speaker":"Miller","startTime":1657.325,"endTime":1657.415,"body":"I"},{"speaker":"Miller","startTime":1657.415,"endTime":1657.725,"body":"think"},{"speaker":"Miller","startTime":1657.725,"endTime":1657.885,"body":"we're"},{"speaker":"Miller","startTime":1657.885,"endTime":1657.945,"body":"a"},{"speaker":"Miller","startTime":1657.945,"endTime":1658.185,"body":"ways"},{"speaker":"Miller","startTime":1658.185,"endTime":1658.435,"body":"away"},{"speaker":"Miller","startTime":1658.435,"endTime":1658.615,"body":"from"},{"speaker":"Miller","startTime":1658.615,"endTime":1658.7350000000001,"body":"it."},{"speaker":"Miller","startTime":1658.7350000000001,"endTime":1658.795,"body":"I"},{"speaker":"Miller","startTime":1658.795,"endTime":1658.945,"body":"don't"},{"speaker":"Miller","startTime":1658.945,"endTime":1659.165,"body":"want"},{"speaker":"Miller","startTime":1659.165,"endTime":1659.215,"body":"to"},{"speaker":"Miller","startTime":1659.215,"endTime":1659.655,"body":"imply"},{"speaker":"Miller","startTime":1659.655,"endTime":1659.895,"body":"that"},{"speaker":"Miller","startTime":1659.895,"endTime":1660.415,"body":"borrowing"},{"speaker":"Miller","startTime":1660.415,"endTime":1660.615,"body":"is"},{"speaker":"Miller","startTime":1660.615,"endTime":1660.935,"body":"bad"},{"speaker":"Miller","startTime":1660.935,"endTime":1661.035,"body":"or"},{"speaker":"Miller","startTime":1661.035,"endTime":1661.305,"body":"credit"},{"speaker":"Miller","startTime":1661.345,"endTime":1661.835,"body":"unions"},{"speaker":"Miller","startTime":1661.835,"endTime":1662.055,"body":"are"},{"speaker":"Miller","startTime":1663.225,"endTime":1663.655,"body":"In"},{"speaker":"Miller","startTime":1663.685,"endTime":1664.135,"body":"totally"},{"speaker":"Miller","startTime":1664.135,"endTime":1664.2350000000001,"body":"in"},{"speaker":"Miller","startTime":1664.2350000000001,"endTime":1664.645,"body":"trouble"},{"speaker":"Miller","startTime":1664.675,"endTime":1664.835,"body":"because"},{"speaker":"Miller","startTime":1664.835,"endTime":1665.105,"body":"that's"},{"speaker":"Miller","startTime":1665.105,"endTime":1665.2849995,"body":"not"},{"speaker":"Miller","startTime":1665.2849995,"endTime":1665.3649990000001,"body":"the"},{"speaker":"Miller","startTime":1665.365,"endTime":1665.645,"body":"case"},{"speaker":"Miller","startTime":1665.675,"endTime":1665.7849995,"body":"at"},{"speaker":"Miller","startTime":1665.7849995,"endTime":1665.954999,"body":"all"},{"speaker":"Miller","startTime":1665.954999,"endTime":1666.164999,"body":"But"},{"speaker":"Miller","startTime":1666.505,"endTime":1666.695,"body":"that"},{"speaker":"Miller","startTime":1666.695,"endTime":1666.9149995,"body":"whole"},{"speaker":"Miller","startTime":1666.9149995,"endTime":1667.774999,"body":"borrowing"},{"speaker":"Miller","startTime":1667.784999,"endTime":1667.914999,"body":"and"},{"speaker":"Miller","startTime":1667.925,"endTime":1668.405,"body":"ability"},{"speaker":"Miller","startTime":1668.405,"endTime":1668.4949995,"body":"to"},{"speaker":"Miller","startTime":1668.4949995,"endTime":1668.8749990000001,"body":"borrow"},{"speaker":"Miller","startTime":1668.875,"endTime":1669.095,"body":"is"},{"speaker":"Miller","startTime":1669.095,"endTime":1669.295,"body":"there"},{"speaker":"Miller","startTime":1669.295,"endTime":1669.375,"body":"to"},{"speaker":"Miller","startTime":1669.375,"endTime":1669.6149995,"body":"help"},{"speaker":"Miller","startTime":1669.6149995,"endTime":1669.914999,"body":"serve"},{"speaker":"Miller","startTime":1669.914999,"endTime":1670.034999,"body":"your"},{"speaker":"Miller","startTime":1670.034999,"endTime":1670.434999,"body":"members"},{"speaker":"Miller","startTime":1670.435,"endTime":1670.565,"body":"and"},{"speaker":"Miller","startTime":1670.565,"endTime":1670.725,"body":"get"},{"speaker":"Miller","startTime":1670.725,"endTime":1670.8249995,"body":"you"},{"speaker":"Miller","startTime":1670.8249995,"endTime":1671.054999,"body":"through"},{"speaker":"Miller","startTime":1671.055,"endTime":1671.275,"body":"these"},{"speaker":"Miller","startTime":1671.275,"endTime":1671.665,"body":"Crises"},{"speaker":"Miller","startTime":1671.815,"endTime":1671.905,"body":"and"},{"speaker":"Miller","startTime":1672.284999,"endTime":1672.494999,"body":"we"},{"speaker":"Miller","startTime":1672.494999,"endTime":1672.734999,"body":"don't"},{"speaker":"Miller","startTime":1672.894999,"endTime":1673.294999,"body":"really"},{"speaker":"Miller","startTime":1673.295001,"endTime":1673.5250005,"body":"know"},{"speaker":"Miller","startTime":1673.5250005,"endTime":1673.705,"body":"how"},{"speaker":"Miller","startTime":1673.705,"endTime":1674.005,"body":"long"},{"speaker":"Miller","startTime":1674.005,"endTime":1674.1349995,"body":"the"},{"speaker":"Miller","startTime":1674.1349995,"endTime":1674.954999,"body":"economy"},{"speaker":"Miller","startTime":1674.955,"endTime":1675.255,"body":"is"},{"speaker":"Miller","startTime":1675.585,"endTime":1675.9049995,"body":"going"},{"speaker":"Miller","startTime":1675.9049995,"endTime":1676.034999,"body":"to"},{"speaker":"Miller","startTime":1676.035,"endTime":1676.325,"body":"stay"},{"speaker":"Miller","startTime":1676.325,"endTime":1676.785,"body":"down"},{"speaker":"Miller","startTime":1676.785,"endTime":1676.905,"body":"or"},{"speaker":"Miller","startTime":1676.905,"endTime":1677.295,"body":"how"},{"speaker":"Miller","startTime":1677.345,"endTime":1678.2350000000001,"body":"inflation"},{"speaker":"Miller","startTime":1678.5600000000002,"endTime":1678.71,"body":"How"},{"speaker":"Miller","startTime":1678.71,"endTime":1679.0400000000002,"body":"long"},{"speaker":"Miller","startTime":1679.0500000000002,"endTime":1679.67,"body":"inflation"},{"speaker":"Miller","startTime":1679.67,"endTime":1679.8700000000001,"body":"will"},{"speaker":"Miller","startTime":1679.8700000000001,"endTime":1680.2900000000002,"body":"remain"},{"speaker":"Miller","startTime":1680.3300000000002,"endTime":1680.95,"body":"elevated"},{"speaker":"Miller","startTime":1680.95,"endTime":1681.1100000000001,"body":"and"},{"speaker":"Miller","startTime":1681.42,"endTime":1681.5900000000001,"body":"how"},{"speaker":"Miller","startTime":1681.5900000000001,"endTime":1681.8500000000001,"body":"that"},{"speaker":"Miller","startTime":1681.8500000000001,"endTime":1682.0400000000002,"body":"will"},{"speaker":"Miller","startTime":1682.0400000000002,"endTime":1682.5500000000002,"body":"impact"},{"speaker":"Miller","startTime":1682.5600000000002,"endTime":1683.38,"body":"consumers."},{"speaker":"Miller","startTime":1683.39,"endTime":1683.71,"body":"So"},{"speaker":"Miller","startTime":1683.71,"endTime":1683.96,"body":"far,"},{"speaker":"Miller","startTime":1683.96,"endTime":1684.19,"body":"you"},{"speaker":"Miller","startTime":1684.19,"endTime":1684.5700000000002,"body":"don't"},{"speaker":"Miller","startTime":1684.5700000000002,"endTime":1684.91,"body":"see"},{"speaker":"Miller","startTime":1684.91,"endTime":1685.0400000000002,"body":"it"},{"speaker":"Miller","startTime":1685.0400000000002,"endTime":1685.21,"body":"on"},{"speaker":"Miller","startTime":1685.21,"endTime":1685.26,"body":"the"},{"speaker":"Miller","startTime":1685.27,"endTime":1685.77,"body":"asset"},{"speaker":"Miller","startTime":1685.77,"endTime":1686.2,"body":"quality"},{"speaker":"Miller","startTime":1686.2,"endTime":1686.5400000000002,"body":"side."},{"speaker":"Miller","startTime":1686.5500000000002,"endTime":1687.3200000000002,"body":"Delinquency"},{"speaker":"Miller","startTime":1687.3200000000002,"endTime":1687.5900000000001,"body":"isn't"},{"speaker":"Miller","startTime":1687.73,"endTime":1688.0600000000002,"body":"coming"},{"speaker":"Miller","startTime":1688.0600000000002,"endTime":1688.27,"body":"up"},{"speaker":"Miller","startTime":1688.3200000000002,"endTime":1688.8500000000001,"body":"anywhere"},{"speaker":"Miller","startTime":1688.8500000000001,"endTime":1689.2900000000002,"body":"yet"},{"speaker":"Miller","startTime":1689.6100000000001,"endTime":1689.8400000000001,"body":"in"},{"speaker":"Miller","startTime":1689.89,"endTime":1690.2,"body":"credit"},{"speaker":"Miller","startTime":1690.2,"endTime":1690.77,"body":"unions."},{"speaker":"Miller","startTime":1690.869999,"endTime":1691.2099990000002,"body":"So"},{"speaker":"Miller","startTime":1691.24,"endTime":1691.6199995000002,"body":"that's"},{"speaker":"Miller","startTime":1691.6199995000002,"endTime":1691.6899990000002,"body":"a"},{"speaker":"Miller","startTime":1691.69,"endTime":1692.01,"body":"good"},{"speaker":"Miller","startTime":1692.01,"endTime":1692.48,"body":"thing,"},{"speaker":"Miller","startTime":1692.49,"endTime":1692.74,"body":"but"},{"speaker":"Miller","startTime":1692.7499990000001,"endTime":1692.889999,"body":"you"},{"speaker":"Miller","startTime":1692.9,"endTime":1693.2399995,"body":"might"},{"speaker":"Miller","startTime":1693.2399995,"endTime":1693.639999,"body":"start"},{"speaker":"Miller","startTime":1693.64,"endTime":1694.02,"body":"seeing"},{"speaker":"Miller","startTime":1694.02,"endTime":1694.19,"body":"it"},{"speaker":"Miller","startTime":1694.1999990000002,"endTime":1694.599999,"body":"become"},{"speaker":"Miller","startTime":1694.609999,"endTime":1695.359999,"body":"elevated"},{"speaker":"Miller","startTime":1695.359999,"endTime":1695.529999,"body":"and"},{"speaker":"Miller","startTime":1695.779999,"endTime":1695.9699990000001,"body":"that"},{"speaker":"Miller","startTime":1695.97,"endTime":1696.41,"body":"becomes"},{"speaker":"Miller","startTime":1696.4399990000002,"endTime":1696.519999,"body":"a"},{"speaker":"Miller","startTime":1696.519999,"endTime":1697.049999,"body":"watchword"},{"speaker":"Miller","startTime":1697.0800000000002,"endTime":1697.2800000000002,"body":"with"},{"speaker":"Miller","startTime":1697.2800000000002,"endTime":1697.8100000000002,"body":"liquidity"},{"speaker":"Miller","startTime":1697.8200000000002,"endTime":1698.19,"body":"issues"},{"speaker":"Miller","startTime":1698.19,"endTime":1698.26,"body":"too,"},{"speaker":"Miller","startTime":1698.27,"endTime":1698.52,"body":"is"},{"speaker":"Miller","startTime":1698.52,"endTime":1698.69,"body":"when"},{"speaker":"Miller","startTime":1698.69,"endTime":1698.98,"body":"credit"},{"speaker":"Miller","startTime":1698.98,"endTime":1699.19,"body":"risk"},{"speaker":"Miller","startTime":1699.19,"endTime":1699.43,"body":"starts"},{"speaker":"Miller","startTime":1699.46,"endTime":1699.74,"body":"going"},{"speaker":"Miller","startTime":1699.75,"endTime":1699.96,"body":"up"},{"speaker":"Miller","startTime":1699.96,"endTime":1700.1200000000001,"body":"and"},{"speaker":"Miller","startTime":1700.47,"endTime":1700.6200000000001,"body":"you"},{"speaker":"Miller","startTime":1700.6200000000001,"endTime":1700.8700000000001,"body":"start"},{"speaker":"Miller","startTime":1700.8700000000001,"endTime":1701.18,"body":"seeing"},{"speaker":"Miller","startTime":1701.21,"endTime":1701.7800000000002,"body":"elevated"},{"speaker":"Miller","startTime":1701.7900000000002,"endTime":1702.5,"body":"delinquency"},{"speaker":"Miller","startTime":1702.5,"endTime":1702.5700000000002,"body":"and"},{"speaker":"Miller","startTime":1702.5900000000001,"endTime":1703.1000000000001,"body":"elevated"},{"speaker":"Miller","startTime":1703.1200000000001,"endTime":1703.47,"body":"charge"},{"speaker":"Miller","startTime":1703.47,"endTime":1703.8100000000002,"body":"offs,"},{"speaker":"Miller","startTime":1703.8500000000001,"endTime":1704.14,"body":"then"},{"speaker":"Miller","startTime":1704.14,"endTime":1704.24,"body":"the"},{"speaker":"Miller","startTime":1704.27,"endTime":1704.8400000000001,"body":"liquidity"},{"speaker":"Miller","startTime":1704.8500000000001,"endTime":1705.1200000000001,"body":"risk"},{"speaker":"Miller","startTime":1705.1200000000001,"endTime":1705.5,"body":"will"},{"speaker":"Miller","startTime":1706.27,"endTime":1706.64,"body":"Really"},{"speaker":"Miller","startTime":1706.64,"endTime":1707.04,"body":"start"},{"speaker":"Miller","startTime":1707.1100000000001,"endTime":1708.07,"body":"accelerating."},{"speaker":"Treichel","startTime":1708.16,"endTime":1708.56,"body":"Sure."},{"speaker":"Treichel","startTime":1708.81,"endTime":1708.84,"body":"And"},{"speaker":"Treichel","startTime":1708.84,"endTime":1708.94,"body":"of"},{"speaker":"Treichel","startTime":1708.94,"endTime":1709.18,"body":"course"},{"speaker":"Treichel","startTime":1709.18,"endTime":1709.41,"body":"that"},{"speaker":"Treichel","startTime":1709.41,"endTime":1709.63,"body":"gets"},{"speaker":"Treichel","startTime":1709.63,"endTime":1709.76,"body":"to"},{"speaker":"Treichel","startTime":1709.76,"endTime":1709.97,"body":"that"},{"speaker":"Treichel","startTime":1709.97,"endTime":1710.59,"body":"inflation"},{"speaker":"Treichel","startTime":1710.59,"endTime":1710.79,"body":"that"},{"speaker":"Treichel","startTime":1710.79,"endTime":1711.06,"body":"gets"},{"speaker":"Treichel","startTime":1711.06,"endTime":1711.27,"body":"to"},{"speaker":"Treichel","startTime":1711.27,"endTime":1711.5,"body":"where,"},{"speaker":"Treichel","startTime":1711.57,"endTime":1712.01,"body":"where"},{"speaker":"Treichel","startTime":1712.06,"endTime":1712.33,"body":"our"},{"speaker":"Treichel","startTime":1712.3600000000001,"endTime":1712.8700000000001,"body":"company's"},{"speaker":"Treichel","startTime":1713.18,"endTime":1713.73,"body":"profits"},{"speaker":"Treichel","startTime":1713.73,"endTime":1714,"body":"at,"},{"speaker":"Treichel","startTime":1714.01,"endTime":1714.21,"body":"what"},{"speaker":"Treichel","startTime":1714.21,"endTime":1714.26,"body":"do"},{"speaker":"Treichel","startTime":1714.26,"endTime":1714.45,"body":"they"},{"speaker":"Treichel","startTime":1714.45,"endTime":1714.69,"body":"do"},{"speaker":"Treichel","startTime":1714.69,"endTime":1715.34,"body":"relative"},{"speaker":"Treichel","startTime":1715.34,"endTime":1715.74,"body":"to"},{"speaker":"Treichel","startTime":1715.79,"endTime":1716.66,"body":"unemployment?"},{"speaker":"Treichel","startTime":1716.689999,"endTime":1716.949999,"body":"What's"},{"speaker":"Treichel","startTime":1716.95,"endTime":1717.1200000000001,"body":"the"},{"speaker":"Treichel","startTime":1717.1200000000001,"endTime":1717.52,"body":"impact"},{"speaker":"Treichel","startTime":1717.52,"endTime":1717.63,"body":"of"},{"speaker":"Treichel","startTime":1717.63,"endTime":1718.16,"body":"unemployment"},{"speaker":"Treichel","startTime":1718.22,"endTime":1718.45,"body":"on,"},{"speaker":"Treichel","startTime":1718.49,"endTime":1718.8700000000001,"body":"on,"},{"speaker":"Treichel","startTime":1719.3100000000002,"endTime":1719.5799995,"body":"on"},{"speaker":"Treichel","startTime":1719.5799995,"endTime":1719.879999,"body":"rates"},{"speaker":"Treichel","startTime":1719.88,"endTime":1720.15,"body":"going"},{"speaker":"Treichel","startTime":1720.15,"endTime":1720.3000000000002,"body":"up"},{"speaker":"Treichel","startTime":1720.3000000000002,"endTime":1720.4,"body":"to"},{"speaker":"Treichel","startTime":1720.4,"endTime":1720.6599995000001,"body":"try"},{"speaker":"Treichel","startTime":1720.6599995000001,"endTime":1720.779999,"body":"and"},{"speaker":"Treichel","startTime":1720.7800000000002,"endTime":1721.5,"body":"control"},{"speaker":"Treichel","startTime":1721.5600000000002,"endTime":1722.3600000000001,"body":"inflation"},{"speaker":"Treichel","startTime":1722.4,"endTime":1722.6200000000001,"body":"and"},{"speaker":"Treichel","startTime":1722.63,"endTime":1722.8499995000002,"body":"just"},{"speaker":"Treichel","startTime":1722.8499995000002,"endTime":1723.2199990000001,"body":"listing"},{"speaker":"Treichel","startTime":1723.22,"endTime":1723.4599995,"body":"those"},{"speaker":"Treichel","startTime":1723.4599995,"endTime":1723.769999,"body":"things"},{"speaker":"Treichel","startTime":1723.769999,"endTime":1724.029999,"body":"makes"},{"speaker":"Treichel","startTime":1724.029999,"endTime":1724.2299990000001,"body":"my"},{"speaker":"Treichel","startTime":1724.23,"endTime":1724.4399995,"body":"head"},{"speaker":"Treichel","startTime":1724.4399995,"endTime":1724.7099990000002,"body":"hurt"},{"speaker":"Treichel","startTime":1724.7800000000002,"endTime":1725.0800000000002,"body":"and"},{"speaker":"Treichel","startTime":1725.14,"endTime":1725.3200000000002,"body":"there's"},{"speaker":"Treichel","startTime":1725.3200000000002,"endTime":1725.7,"body":"smarter"},{"speaker":"Treichel","startTime":1725.7,"endTime":1726.0500000000002,"body":"people"},{"speaker":"Treichel","startTime":1726.0500000000002,"endTime":1726.19,"body":"out"},{"speaker":"Treichel","startTime":1726.19,"endTime":1726.3700000000001,"body":"there"},{"speaker":"Treichel","startTime":1726.3700000000001,"endTime":1726.49,"body":"than"},{"speaker":"Treichel","startTime":1726.49,"endTime":1726.63,"body":"me"},{"speaker":"Treichel","startTime":1726.63,"endTime":1726.8500000000001,"body":"that,"},{"speaker":"Treichel","startTime":1727.22,"endTime":1727.43,"body":"that"},{"speaker":"Treichel","startTime":1727.45,"endTime":1727.64,"body":"know"},{"speaker":"Treichel","startTime":1727.64,"endTime":1727.8600000000001,"body":"what"},{"speaker":"Treichel","startTime":1727.8700000000001,"endTime":1728.07,"body":"all"},{"speaker":"Treichel","startTime":1728.07,"endTime":1728.31,"body":"that"},{"speaker":"Treichel","startTime":1728.31,"endTime":1728.64,"body":"means,"},{"speaker":"Treichel","startTime":1728.69,"endTime":1728.85,"body":"but"},{"speaker":"Treichel","startTime":1728.85,"endTime":1728.93,"body":"it"},{"speaker":"Treichel","startTime":1728.94,"endTime":1729.2,"body":"does"},{"speaker":"Treichel","startTime":1729.22,"endTime":1729.42,"body":"mean"},{"speaker":"Treichel","startTime":1729.42,"endTime":1729.52,"body":"that"},{"speaker":"Treichel","startTime":1729.53,"endTime":1729.71,"body":"it"},{"speaker":"Treichel","startTime":1729.71,"endTime":1729.84,"body":"can"},{"speaker":"Treichel","startTime":1729.84,"endTime":1730.15,"body":"create"},{"speaker":"Treichel","startTime":1730.15,"endTime":1730.34,"body":"some"},{"speaker":"Treichel","startTime":1730.34,"endTime":1730.94,"body":"issues"},{"speaker":"Treichel","startTime":1731.2,"endTime":1731.88,"body":"individually"},{"speaker":"Treichel","startTime":1731.88,"endTime":1732.02,"body":"for"},{"speaker":"Treichel","startTime":1732.02,"endTime":1732.32,"body":"credit"},{"speaker":"Treichel","startTime":1732.32,"endTime":1732.78,"body":"unions,"},{"speaker":"Treichel","startTime":1732.789999,"endTime":1733.519999,"body":"individually"},{"speaker":"Treichel","startTime":1733.53,"endTime":1733.68,"body":"for"},{"speaker":"Treichel","startTime":1733.68,"endTime":1734.33,"body":"people."},{"speaker":"Treichel","startTime":1734.7300000000002,"endTime":1734.9900000000002,"body":"And"},{"speaker":"Treichel","startTime":1734.9900000000002,"endTime":1735.18,"body":"what"},{"speaker":"Treichel","startTime":1735.19,"endTime":1735.47,"body":"have"},{"speaker":"Treichel","startTime":1735.47,"endTime":1735.7700000000002,"body":"you,"},{"speaker":"Treichel","startTime":1735.9,"endTime":1736.42,"body":"so"},{"speaker":"Miller","startTime":1736.46,"endTime":1736.7900000000002,"body":"I'm"},{"speaker":"Miller","startTime":1736.8100000000002,"endTime":1737.2600000000002,"body":"sure"},{"speaker":"Miller","startTime":1737.2600000000002,"endTime":1737.46,"body":"it's"},{"speaker":"Miller","startTime":1737.46,"endTime":1738.2,"body":"extremely"},{"speaker":"Miller","startTime":1738.2,"endTime":1738.8600000000001,"body":"challenging"},{"speaker":"Miller","startTime":1738.8700000000001,"endTime":1739.19,"body":"for"},{"speaker":"Miller","startTime":1739.2300000000002,"endTime":1739.5200000000002,"body":"every"},{"speaker":"Miller","startTime":1739.5200000000002,"endTime":1739.7700000000002,"body":"credit"},{"speaker":"Miller","startTime":1739.95,"endTime":1740.47,"body":"management"},{"speaker":"Miller","startTime":1740.4800000000002,"endTime":1740.7500000000002,"body":"team"},{"speaker":"Miller","startTime":1740.7700000000002,"endTime":1741.0100000000002,"body":"out"},{"speaker":"Miller","startTime":1741.0100000000002,"endTime":1741.2,"body":"there"},{"speaker":"Miller","startTime":1741.2,"endTime":1741.3600000000001,"body":"and"},{"speaker":"Miller","startTime":1741.3700000000001,"endTime":1741.8100000000002,"body":"board"},{"speaker":"Miller","startTime":1741.8200000000002,"endTime":1742.13,"body":"out"},{"speaker":"Miller","startTime":1742.13,"endTime":1742.47,"body":"there"},{"speaker":"Miller","startTime":1742.89,"endTime":1743.19,"body":"because"},{"speaker":"Miller","startTime":1743.19,"endTime":1743.2900000000002,"body":"you"},{"speaker":"Miller","startTime":1743.2900000000002,"endTime":1743.4899995,"body":"have"},{"speaker":"Miller","startTime":1743.4899995,"endTime":1743.6999990000002,"body":"these"},{"speaker":"Miller","startTime":1743.6999990000002,"endTime":1744.2299990000001,"body":"national"},{"speaker":"Miller","startTime":1744.2399990000001,"endTime":1744.599999,"body":"trends,"},{"speaker":"Miller","startTime":1744.6000000000001,"endTime":1744.7500000000002,"body":"but"},{"speaker":"Miller","startTime":1744.7500000000002,"endTime":1744.8600000000001,"body":"then"},{"speaker":"Miller","startTime":1744.8600000000001,"endTime":1744.9900000000002,"body":"you"},{"speaker":"Miller","startTime":1745.0100000000002,"endTime":1745.21,"body":"have"},{"speaker":"Miller","startTime":1745.22,"endTime":1745.3700000000001,"body":"all"},{"speaker":"Miller","startTime":1745.3700000000001,"endTime":1745.5900000000001,"body":"this"},{"speaker":"Miller","startTime":1745.5900000000001,"endTime":1746.19,"body":"localized"},{"speaker":"Miller","startTime":1746.19,"endTime":1746.44,"body":"stuff"},{"speaker":"Miller","startTime":1746.46,"endTime":1746.5600000000002,"body":"and"},{"speaker":"Miller","startTime":1746.5600000000002,"endTime":1746.5800000000002,"body":"I'm"},{"speaker":"Miller","startTime":1746.779999,"endTime":1746.809999,"body":"sure"},{"speaker":"Miller","startTime":1746.8100000000002,"endTime":1747.19,"body":"places"},{"speaker":"Miller","startTime":1747.19,"endTime":1747.2799995,"body":"where"},{"speaker":"Miller","startTime":1747.2799995,"endTime":1747.4099990000002,"body":"the"},{"speaker":"Miller","startTime":1747.4099990000002,"endTime":1747.8599990000002,"body":"economy"},{"speaker":"Miller","startTime":1747.8599990000002,"endTime":1747.9699990000001,"body":"is"},{"speaker":"Miller","startTime":1747.9800000000002,"endTime":1748.2600000000002,"body":"still"},{"speaker":"Miller","startTime":1748.2600000000002,"endTime":1748.6099995000002,"body":"very"},{"speaker":"Miller","startTime":1748.6099995000002,"endTime":1749.2099990000002,"body":"robust."},{"speaker":"Miller","startTime":1749.64,"endTime":1749.8600000000001,"body":"There's"},{"speaker":"Miller","startTime":1749.8700000000001,"endTime":1750.3700000000001,"body":"places"},{"speaker":"Miller","startTime":1750.3700000000001,"endTime":1750.5900000000001,"body":"it's"},{"speaker":"Miller","startTime":1750.5900000000001,"endTime":1751.1100000000001,"body":"slowing"},{"speaker":"Miller","startTime":1751.1100000000001,"endTime":1751.71,"body":"down,"},{"speaker":"Miller","startTime":1752.129999,"endTime":1752.289999,"body":"there's"},{"speaker":"Miller","startTime":1752.289999,"endTime":1752.7199990000001,"body":"places"},{"speaker":"Miller","startTime":1752.7199990000001,"endTime":1752.889999,"body":"where"},{"speaker":"Miller","startTime":1752.889999,"endTime":1753.059999,"body":"their"},{"speaker":"Miller","startTime":1753.059999,"endTime":1753.569999,"body":"segments"},{"speaker":"Miller","startTime":1753.569999,"endTime":1753.659999,"body":"are"},{"speaker":"Miller","startTime":1753.66,"endTime":1753.9899995,"body":"good"},{"speaker":"Miller","startTime":1753.9899995,"endTime":1754.109999,"body":"and"},{"speaker":"Miller","startTime":1754.13,"endTime":1754.3700000000001,"body":"other"},{"speaker":"Miller","startTime":1754.3700000000001,"endTime":1754.74,"body":"parts"},{"speaker":"Miller","startTime":1754.74,"endTime":1754.8400000000001,"body":"are"},{"speaker":"Miller","startTime":1754.8400000000001,"endTime":1755.3700000000001,"body":"slowing"},{"speaker":"Miller","startTime":1755.3700000000001,"endTime":1755.8500000000001,"body":"down."},{"speaker":"Miller","startTime":1756.23,"endTime":1756.3600000000001,"body":"It"},{"speaker":"Miller","startTime":1756.3600000000001,"endTime":1756.71,"body":"has"},{"speaker":"Miller","startTime":1756.71,"endTime":1756.8600000000001,"body":"to"},{"speaker":"Miller","startTime":1756.8700000000001,"endTime":1757.17,"body":"be,"},{"speaker":"Miller","startTime":1757.18,"endTime":1757.38,"body":"they're"},{"speaker":"Miller","startTime":1757.38,"endTime":1757.46,"body":"just."},{"speaker":"Miller","startTime":1757.8300000000002,"endTime":1758.03,"body":"The"},{"speaker":"Miller","startTime":1758.03,"endTime":1758.89,"body":"uncertainty"},{"speaker":"Miller","startTime":1758.89,"endTime":1759.25,"body":"is"},{"speaker":"Miller","startTime":1759.2900000000002,"endTime":1759.93,"body":"higher,"},{"speaker":"Miller","startTime":1759.93,"endTime":1760.13,"body":"I"},{"speaker":"Miller","startTime":1760.14,"endTime":1760.41,"body":"think,"},{"speaker":"Miller","startTime":1760.53,"endTime":1760.77,"body":"than"},{"speaker":"Miller","startTime":1760.77,"endTime":1760.92,"body":"it"},{"speaker":"Miller","startTime":1760.94,"endTime":1761.3400000000001,"body":"has"},{"speaker":"Miller","startTime":1761.3500000000001,"endTime":1761.75,"body":"probably"},{"speaker":"Miller","startTime":1761.75,"endTime":1762.18,"body":"been"},{"speaker":"Miller","startTime":1762.6200000000001,"endTime":1762.8000000000002,"body":"in"},{"speaker":"Miller","startTime":1762.8000000000002,"endTime":1762.9,"body":"the"},{"speaker":"Miller","startTime":1762.9,"endTime":1763.27,"body":"last"},{"speaker":"Miller","startTime":1763.27,"endTime":1763.3000000000002,"body":"four"},{"speaker":"Miller","startTime":1763.3400000000001,"endTime":1763.67,"body":"or"},{"speaker":"Miller","startTime":1763.69,"endTime":1764.03,"body":"five"},{"speaker":"Miller","startTime":1764.0400000000002,"endTime":1764.53,"body":"years."},{"speaker":"Miller","startTime":1764.53,"endTime":1764.68,"body":"And"},{"speaker":"Miller","startTime":1764.68,"endTime":1764.8000000000002,"body":"they"},{"speaker":"Miller","startTime":1764.8000000000002,"endTime":1765.25,"body":"alluded"},{"speaker":"Miller","startTime":1765.26,"endTime":1765.39,"body":"to"},{"speaker":"Miller","startTime":1765.39,"endTime":1765.6000000000001,"body":"that"},{"speaker":"Miller","startTime":1765.6000000000001,"endTime":1765.65,"body":"a"},{"speaker":"Miller","startTime":1765.65,"endTime":1765.88,"body":"little"},{"speaker":"Miller","startTime":1765.88,"endTime":1766.0600000000002,"body":"bit"},{"speaker":"Miller","startTime":1766.0600000000002,"endTime":1766.16,"body":"in"},{"speaker":"Miller","startTime":1766.16,"endTime":1766.3600000000001,"body":"this"},{"speaker":"Miller","startTime":1766.3600000000001,"endTime":1766.69,"body":"letter."},{"speaker":"Miller","startTime":1766.69,"endTime":1766.8700000000001,"body":"It's,"},{"speaker":"Miller","startTime":1766.92,"endTime":1767.15,"body":"wait,"},{"speaker":"Miller","startTime":1767.18,"endTime":1767.3200000000002,"body":"we"},{"speaker":"Miller","startTime":1767.3200000000002,"endTime":1767.5800000000002,"body":"haven't"},{"speaker":"Miller","startTime":1767.5800000000002,"endTime":1767.77,"body":"seen"},{"speaker":"Miller","startTime":1767.77,"endTime":1767.8799995000002,"body":"an"},{"speaker":"Miller","startTime":1767.8799995000002,"endTime":1768.259999,"body":"interest"},{"speaker":"Miller","startTime":1768.259999,"endTime":1768.4699990000001,"body":"rate"},{"speaker":"Miller","startTime":1768.48,"endTime":1768.68,"body":"risk"},{"speaker":"Miller","startTime":1769.57,"endTime":1770.2,"body":"increase"},{"speaker":"Miller","startTime":1770.2,"endTime":1770.43,"body":"like"},{"speaker":"Miller","startTime":1770.46,"endTime":1770.79,"body":"this"},{"speaker":"Miller","startTime":1770.8799999999999,"endTime":1771.37,"body":"in"},{"speaker":"Miller","startTime":1771.5099989999999,"endTime":1771.629999,"body":"a"},{"speaker":"Miller","startTime":1771.6299999999999,"endTime":1772.0499995,"body":"long"},{"speaker":"Miller","startTime":1772.0499995,"endTime":1772.5199989999999,"body":"time."},{"speaker":"Miller","startTime":1772.77,"endTime":1773.35,"body":"And"},{"speaker":"Miller","startTime":1773.6699990000002,"endTime":1773.8799990000002,"body":"so"},{"speaker":"Miller","startTime":1773.8799990000002,"endTime":1774.089999,"body":"that"},{"speaker":"Miller","startTime":1774.089999,"endTime":1774.4499990000002,"body":"level"},{"speaker":"Miller","startTime":1774.45,"endTime":1774.5600000000002,"body":"of"},{"speaker":"Miller","startTime":1774.560001,"endTime":1775.2000005000002,"body":"uncertainty,"},{"speaker":"Miller","startTime":1775.2000005000002,"endTime":1775.3200000000002,"body":"it"},{"speaker":"Miller","startTime":1775.339999,"endTime":1775.7399990000001,"body":"always"},{"speaker":"Miller","startTime":1775.7399990000001,"endTime":1776.289999,"body":"creates"},{"speaker":"Miller","startTime":1776.3000000000002,"endTime":1776.6000000000001,"body":"risk"},{"speaker":"Miller","startTime":1776.6000000000001,"endTime":1777.0400000000002,"body":"management"},{"speaker":"Miller","startTime":1777.079999,"endTime":1777.6899990000002,"body":"challenges."},{"speaker":"Miller","startTime":1777.7399990000001,"endTime":1778.259999,"body":"So."},{"speaker":"Miller","startTime":1778.5400000000002,"endTime":1778.7700000000002,"body":"It's"},{"speaker":"Miller","startTime":1778.7700000000002,"endTime":1778.8300000000002,"body":"a"},{"speaker":"Miller","startTime":1778.8300000000002,"endTime":1779.0800000000002,"body":"tough"},{"speaker":"Miller","startTime":1779.0800000000002,"endTime":1779.3700000000001,"body":"time"},{"speaker":"Miller","startTime":1779.3700000000001,"endTime":1779.5400000000002,"body":"for"},{"speaker":"Miller","startTime":1779.5400000000002,"endTime":1780.0400000000002,"body":"management"},{"speaker":"Miller","startTime":1780.0400000000002,"endTime":1780.3200000000002,"body":"teams"},{"speaker":"Miller","startTime":1780.3200000000002,"endTime":1780.4600000000003,"body":"and"},{"speaker":"Miller","startTime":1780.4600000000003,"endTime":1780.7100000000003,"body":"boards"},{"speaker":"Miller","startTime":1780.7100000000003,"endTime":1780.8100000000002,"body":"of"},{"speaker":"Miller","startTime":1780.8100000000002,"endTime":1781.6000000000001,"body":"directors."},{"speaker":"Treichel","startTime":1781.66,"endTime":1782.1100000000001,"body":"Yeah,"},{"speaker":"Treichel","startTime":1782.1700000000003,"endTime":1782.41,"body":"that's"},{"speaker":"Treichel","startTime":1782.41,"endTime":1782.4700000000003,"body":"a"},{"speaker":"Treichel","startTime":1782.4700000000003,"endTime":1782.9500000000003,"body":"fact."},{"speaker":"Treichel","startTime":1784.1100000000001,"endTime":1784.4500000000003,"body":"So"},{"speaker":"Treichel","startTime":1784.4900000000002,"endTime":1784.6900000000003,"body":"we've"},{"speaker":"Treichel","startTime":1784.6900000000003,"endTime":1784.9700000000003,"body":"talked"},{"speaker":"Treichel","startTime":1784.9700000000003,"endTime":1785.39,"body":"about"},{"speaker":"Treichel","startTime":1785.4300000000003,"endTime":1785.7800000000002,"body":"what"},{"speaker":"Treichel","startTime":1785.8100000000002,"endTime":1785.9500000000003,"body":"the"},{"speaker":"Treichel","startTime":1785.9500000000003,"endTime":1786.3000000000002,"body":"letter"},{"speaker":"Treichel","startTime":1786.3000000000002,"endTime":1786.89,"body":"highlighted."},{"speaker":"Treichel","startTime":1786.89,"endTime":1787.0100000000002,"body":"We"},{"speaker":"Treichel","startTime":1787.0100000000002,"endTime":1787.3000000000002,"body":"talked"},{"speaker":"Treichel","startTime":1787.3000000000002,"endTime":1787.7500000000002,"body":"about"},{"speaker":"Treichel","startTime":1787.8100000000002,"endTime":1787.9900000000002,"body":"the"},{"speaker":"Treichel","startTime":1787.9900000000002,"endTime":1788.3400000000001,"body":"door"},{"speaker":"Treichel","startTime":1788.3400000000001,"endTime":1789.13,"body":"clarification"},{"speaker":"Treichel","startTime":1789.13,"endTime":1789.2100000000003,"body":"of"},{"speaker":"Treichel","startTime":1789.2100000000003,"endTime":1789.39,"body":"what"},{"speaker":"Treichel","startTime":1789.4000000000003,"endTime":1789.8500000000001,"body":"happens"},{"speaker":"Treichel","startTime":1789.8500000000001,"endTime":1790.4400000000003,"body":"relative"},{"speaker":"Treichel","startTime":1790.4400000000003,"endTime":1790.9500000000003,"body":"to"},{"speaker":"Treichel","startTime":1790.9700000000003,"endTime":1791.2600000000002,"body":"not"},{"speaker":"Treichel","startTime":1791.2600000000002,"endTime":1791.7500000000002,"body":"requiring"},{"speaker":"Treichel","startTime":1791.7500000000002,"endTime":1791.8100000000002,"body":"a"},{"speaker":"Treichel","startTime":1791.8100000000002,"endTime":1792.1199995000002,"body":"door."},{"speaker":"Treichel","startTime":1792.1199995000002,"endTime":1792.509999,"body":"What's"},{"speaker":"Treichel","startTime":1792.63,"endTime":1792.9400000000003,"body":"what."},{"speaker":"Treichel","startTime":1793.3950625000111,"endTime":1793.725062500011,"body":"What"},{"speaker":"Treichel","startTime":1793.735062500011,"endTime":1793.955062500011,"body":"might"},{"speaker":"Treichel","startTime":1793.965062500011,"endTime":1794.475062500011,"body":"require"},{"speaker":"Treichel","startTime":1794.475062500011,"endTime":1794.545062500011,"body":"a"},{"speaker":"Treichel","startTime":1794.545062500011,"endTime":1794.985062500011,"body":"door"},{"speaker":"Treichel","startTime":1795.035062500011,"endTime":1795.3450625000112,"body":"and"},{"speaker":"Treichel","startTime":1795.3450625000112,"endTime":1795.465062500011,"body":"we"},{"speaker":"Treichel","startTime":1795.465062500011,"endTime":1795.705062500011,"body":"both"},{"speaker":"Treichel","startTime":1795.705062500011,"endTime":1795.995062500011,"body":"listened"},{"speaker":"Treichel","startTime":1795.995062500011,"endTime":1796.055062500011,"body":"to"},{"speaker":"Treichel","startTime":1796.055062500011,"endTime":1796.1450625000111,"body":"the"},{"speaker":"Treichel","startTime":1796.1450625000111,"endTime":1796.745062500011,"body":"webinar,"},{"speaker":"Treichel","startTime":1797.035062500011,"endTime":1797.255062500011,"body":"maybe"},{"speaker":"Treichel","startTime":1797.255062500011,"endTime":1797.435062500011,"body":"we"},{"speaker":"Treichel","startTime":1797.435062500011,"endTime":1797.6650625000111,"body":"should"},{"speaker":"Treichel","startTime":1797.705062500011,"endTime":1797.995062500011,"body":"talk"},{"speaker":"Treichel","startTime":1798.005062500011,"endTime":1798.475062500011,"body":"through"},{"speaker":"Treichel","startTime":1798.8450625000112,"endTime":1799.0950625000112,"body":"what"},{"speaker":"Treichel","startTime":1799.0950625000112,"endTime":1799.2450625000113,"body":"we"},{"speaker":"Treichel","startTime":1799.2450625000113,"endTime":1799.5550625000112,"body":"thought"},{"speaker":"Treichel","startTime":1799.5550625000112,"endTime":1799.6650625000111,"body":"the"},{"speaker":"Treichel","startTime":1799.6650625000111,"endTime":1799.8950625000111,"body":"key"},{"speaker":"Treichel","startTime":1799.9250625000113,"endTime":1800.6550625000111,"body":"takeaways"},{"speaker":"Treichel","startTime":1800.6850625000113,"endTime":1801.3150625000112,"body":"were"},{"speaker":"Treichel","startTime":1801.6050625000112,"endTime":1802.0050625000113,"body":"where"},{"speaker":"Treichel","startTime":1802.0050625000113,"endTime":1802.1550625000111,"body":"they"},{"speaker":"Treichel","startTime":1802.1550625000111,"endTime":1802.6450625000111,"body":"provided"},{"speaker":"Treichel","startTime":1802.6450625000111,"endTime":1802.8450620000112,"body":"some"},{"speaker":"Treichel","startTime":1802.8450620000112,"endTime":1803.595061500011,"body":"context"},{"speaker":"Treichel","startTime":1803.6250625000112,"endTime":1803.955062500011,"body":"in"},{"speaker":"Treichel","startTime":1803.955062500011,"endTime":1804.425062500011,"body":"the"},{"speaker":"Treichel","startTime":1804.4350615000112,"endTime":1804.4450615000112,"body":"webinar"},{"speaker":"Treichel","startTime":1804.4451615000112,"endTime":1805.2250620000111,"body":"on"},{"speaker":"Treichel","startTime":1805.2250620000111,"endTime":1806.004962500011,"body":"the"},{"speaker":"Treichel","startTime":1806.0050625000113,"endTime":1806.3750625000112,"body":"letter."},{"speaker":"Treichel","startTime":1806.3750625000112,"endTime":1806.745062500011,"body":"So"},{"speaker":"Treichel","startTime":1806.9250615000112,"endTime":1807.1850615000112,"body":"what"},{"speaker":"Treichel","startTime":1807.195062500011,"endTime":1807.5350625000112,"body":"jumps"},{"speaker":"Treichel","startTime":1807.5350625000112,"endTime":1807.7750625000112,"body":"out"},{"speaker":"Treichel","startTime":1807.7850625000112,"endTime":1807.9050625000111,"body":"to"},{"speaker":"Treichel","startTime":1807.9050625000111,"endTime":1808.175062500011,"body":"you"},{"speaker":"Treichel","startTime":1808.2250615000112,"endTime":1808.4850615000112,"body":"having"},{"speaker":"Treichel","startTime":1808.485062500011,"endTime":1808.735062500011,"body":"just"},{"speaker":"Treichel","startTime":1808.735062500011,"endTime":1809.0750625000112,"body":"listened"},{"speaker":"Treichel","startTime":1809.0750625000112,"endTime":1809.2150620000111,"body":"to"},{"speaker":"Treichel","startTime":1809.2150620000111,"endTime":1809.315061500011,"body":"it?"},{"speaker":"Treichel","startTime":1809.3550625000112,"endTime":1809.5750620000113,"body":"What"},{"speaker":"Treichel","startTime":1809.5750620000113,"endTime":1809.595061500011,"body":"do"},{"speaker":"Treichel","startTime":1809.6050625000112,"endTime":1809.745062000011,"body":"you"},{"speaker":"Treichel","startTime":1809.745062000011,"endTime":1810.055061500011,"body":"think"},{"speaker":"Treichel","startTime":1810.0550625000112,"endTime":1810.1650620000112,"body":"we"},{"speaker":"Treichel","startTime":1810.1650620000112,"endTime":1810.335061500011,"body":"should"},{"speaker":"Treichel","startTime":1810.335061500011,"endTime":1810.7250615000112,"body":"highlight"},{"speaker":"Treichel","startTime":1810.725062500011,"endTime":1810.9150625000111,"body":"here?"},{"speaker":"Treichel","startTime":1810.9351625000113,"endTime":1812.0749625000112,"body":"to"},{"speaker":"Treichel","startTime":1812.0750625000114,"endTime":1812.1850625000113,"body":"the"},{"speaker":"Treichel","startTime":1812.1850625000113,"endTime":1812.6050625000114,"body":"webinar"},{"speaker":"Treichel","startTime":1812.6050625000114,"endTime":1812.6550625000114,"body":"if"},{"speaker":"Treichel","startTime":1812.6550625000114,"endTime":1812.7650625000113,"body":"they"},{"speaker":"Treichel","startTime":1812.7650625000113,"endTime":1812.9650625000113,"body":"haven't"},{"speaker":"Treichel","startTime":1812.9850625000113,"endTime":1813.2650625000113,"body":"listened"},{"speaker":"Treichel","startTime":1813.2650625000113,"endTime":1813.3650625000114,"body":"to"},{"speaker":"Treichel","startTime":1813.3650625000114,"endTime":1813.4750625000113,"body":"it"},{"speaker":"Treichel","startTime":1813.4750625000113,"endTime":1813.8950625000114,"body":"themselves."},{"speaker":"Miller","startTime":1813.9250625000113,"endTime":1814.0550625000112,"body":"The"},{"speaker":"Miller","startTime":1814.0550625000112,"endTime":1814.4450625000113,"body":"person"},{"speaker":"Miller","startTime":1814.4450625000113,"endTime":1814.5650625000114,"body":"who"},{"speaker":"Miller","startTime":1814.5650625000114,"endTime":1814.9250625000113,"body":"spoke"},{"speaker":"Miller","startTime":1814.9350625000113,"endTime":1815.2150625000113,"body":"about"},{"speaker":"Miller","startTime":1815.2150625000113,"endTime":1815.4150625000113,"body":"this,"},{"speaker":"Miller","startTime":1815.4150625000113,"endTime":1815.9550625000113,"body":"Jonathan"},{"speaker":"Miller","startTime":1816.3750625000114,"endTime":1816.9150625000113,"body":"Farrell,"},{"speaker":"Miller","startTime":1816.9150625000113,"endTime":1817.2150625000113,"body":"he"},{"speaker":"Miller","startTime":1817.2250625000113,"endTime":1817.5950625000114,"body":"spoke"},{"speaker":"Miller","startTime":1817.6350625000114,"endTime":1818.0350625000112,"body":"very"},{"speaker":"Miller","startTime":1818.0350625000112,"endTime":1818.6050625000114,"body":"quickly,"},{"speaker":"Miller","startTime":1819.1450625000114,"endTime":1819.5250625000115,"body":"but"},{"speaker":"Miller","startTime":1819.5350625000115,"endTime":1819.7650625000115,"body":"he"},{"speaker":"Miller","startTime":1819.7650625000115,"endTime":1819.9550625000113,"body":"had"},{"speaker":"Miller","startTime":1819.9550625000113,"endTime":1820.0350625000115,"body":"a"},{"speaker":"Miller","startTime":1820.0350625000115,"endTime":1820.4950625000115,"body":"slide"},{"speaker":"Miller","startTime":1820.4950625000115,"endTime":1820.6650625000113,"body":"on"},{"speaker":"Miller","startTime":1820.6750615000115,"endTime":1821.1550615000115,"body":"things"},{"speaker":"Miller","startTime":1821.1650625000113,"endTime":1821.7350625000113,"body":"that"},{"speaker":"Miller","startTime":1821.7750625000115,"endTime":1822.1350625000114,"body":"would"},{"speaker":"Miller","startTime":1822.1350625000114,"endTime":1822.4150625000113,"body":"help"},{"speaker":"Miller","startTime":1822.4150625000113,"endTime":1822.6350625000114,"body":"you"},{"speaker":"Miller","startTime":1822.6350625000114,"endTime":1823.1050625000114,"body":"avoid"},{"speaker":"Miller","startTime":1823.1150625000114,"endTime":1823.4250620000114,"body":"getting"},{"speaker":"Miller","startTime":1823.4250620000114,"endTime":1823.6950615000114,"body":"in"},{"speaker":"Miller","startTime":1824.0750625000114,"endTime":1824.1850625000113,"body":"the"},{"speaker":"Miller","startTime":1824.1850625000113,"endTime":1824.5450625000112,"body":"door."},{"speaker":"Miller","startTime":1824.9450625000113,"endTime":1825.2150625000113,"body":"And"},{"speaker":"Miller","startTime":1825.2150625000113,"endTime":1825.3550625000114,"body":"they"},{"speaker":"Miller","startTime":1825.3550625000114,"endTime":1825.7550625000115,"body":"gave"},{"speaker":"Miller","startTime":1825.7650615000114,"endTime":1826.1250615000113,"body":"some"},{"speaker":"Miller","startTime":1826.1450625000114,"endTime":1827.1050625000114,"body":"examples"},{"speaker":"Miller","startTime":1827.1050625000114,"endTime":1827.2650620000113,"body":"in"},{"speaker":"Miller","startTime":1827.2650620000113,"endTime":1827.3050615000113,"body":"the"},{"speaker":"Miller","startTime":1827.3250625000114,"endTime":1827.9050620000114,"body":"actual"},{"speaker":"Miller","startTime":1827.9050620000114,"endTime":1828.2550615000114,"body":"letter"},{"speaker":"Miller","startTime":1828.2550615000114,"endTime":1828.9350615000114,"body":"itself"},{"speaker":"Miller","startTime":1829.4850625000113,"endTime":1830.2650625000113,"body":"of"},{"speaker":"Miller","startTime":1830.4850625000113,"endTime":1831.4550625000113,"body":"situations"},{"speaker":"Miller","startTime":1831.5450625000115,"endTime":1832.0350625000112,"body":"that"},{"speaker":"Miller","startTime":1832.3150625000114,"endTime":1832.5750625000114,"body":"you"},{"speaker":"Miller","startTime":1832.5850625000114,"endTime":1832.8250625000114,"body":"would"},{"speaker":"Miller","startTime":1832.8250625000114,"endTime":1833.2150625000113,"body":"not"},{"speaker":"Miller","startTime":1833.3750625000114,"endTime":1834.1350625000114,"body":"necessarily"},{"speaker":"Miller","startTime":1834.1450625000114,"endTime":1834.6250625000114,"body":"receive"},{"speaker":"Miller","startTime":1834.6250625000114,"endTime":1834.6350625000114,"body":"a"},{"speaker":"Miller","startTime":1834.7650625000113,"endTime":1835.2750625000112,"body":"door."},{"speaker":"Miller","startTime":1835.8350625000114,"endTime":1836.5650625000114,"body":"And"},{"speaker":"Miller","startTime":1836.9050625000114,"endTime":1837.0450625000112,"body":"I"},{"speaker":"Miller","startTime":1837.0450625000112,"endTime":1837.4350625000113,"body":"think"},{"speaker":"Miller","startTime":1837.9350625000113,"endTime":1838.3250625000114,"body":"for"},{"speaker":"Miller","startTime":1838.3450625000114,"endTime":1838.4650625000113,"body":"a"},{"speaker":"Miller","startTime":1838.4650625000113,"endTime":1838.9950625000115,"body":"lot"},{"speaker":"Miller","startTime":1839.0050625000115,"endTime":1839.2250625000115,"body":"of"},{"speaker":"Miller","startTime":1839.2250625000115,"endTime":1839.5350625000115,"body":"credit"},{"speaker":"Miller","startTime":1839.5350625000115,"endTime":1840.1950625000113,"body":"unions,"},{"speaker":"Miller","startTime":1840.6250625000114,"endTime":1841.0950625000114,"body":"those"},{"speaker":"Miller","startTime":1841.7150625000113,"endTime":1842.0350625000112,"body":"need"},{"speaker":"Miller","startTime":1842.0450625000112,"endTime":1842.175062500011,"body":"to"},{"speaker":"Miller","startTime":1842.185062500011,"endTime":1842.425062500011,"body":"be"},{"speaker":"Miller","startTime":1842.425062500011,"endTime":1842.6550625000111,"body":"one"},{"speaker":"Miller","startTime":1842.6550625000111,"endTime":1842.7550625000113,"body":"of"},{"speaker":"Miller","startTime":1842.7550625000113,"endTime":1842.935062500011,"body":"their"},{"speaker":"Miller","startTime":1842.935062500011,"endTime":1843.4850625000113,"body":"takeaway"},{"speaker":"Miller","startTime":1843.4950625000113,"endTime":1843.7950625000112,"body":"points."},{"speaker":"Miller","startTime":1843.8250625000112,"endTime":1844.0150625000113,"body":"What"},{"speaker":"Miller","startTime":1844.0150625000113,"endTime":1844.0350625000112,"body":"do"},{"speaker":"Miller","startTime":1844.205062500011,"endTime":1844.3250625000112,"body":"you"},{"speaker":"Miller","startTime":1844.3250625000112,"endTime":1844.5850625000112,"body":"have"},{"speaker":"Miller","startTime":1844.5850625000112,"endTime":1844.7150625000113,"body":"to"},{"speaker":"Miller","startTime":1844.7150625000113,"endTime":1845.0150625000113,"body":"do"},{"speaker":"Miller","startTime":1845.0150625000113,"endTime":1845.2250625000113,"body":"to"},{"speaker":"Miller","startTime":1845.2250625000113,"endTime":1845.6250625000112,"body":"not"},{"speaker":"Miller","startTime":1845.6350625000111,"endTime":1845.8850625000111,"body":"get"},{"speaker":"Miller","startTime":1845.8850625000111,"endTime":1845.955062500011,"body":"a"},{"speaker":"Miller","startTime":1845.955062500011,"endTime":1846.5150625000113,"body":"door,"},{"speaker":"Miller","startTime":1846.8850625000111,"endTime":1847.2950625000112,"body":"even"},{"speaker":"Miller","startTime":1847.3050625000112,"endTime":1847.955062500011,"body":"though"},{"speaker":"Miller","startTime":1847.9650625000113,"endTime":1848.445062500011,"body":"their"},{"speaker":"Miller","startTime":1848.445062500011,"endTime":1849.2350625000113,"body":"supervisory"},{"speaker":"Miller","startTime":1849.2350625000113,"endTime":1849.5450625000112,"body":"tests"},{"speaker":"Miller","startTime":1849.5450625000112,"endTime":1849.7150625000113,"body":"might"},{"speaker":"Miller","startTime":1849.7150625000113,"endTime":1849.8750625000112,"body":"tell"},{"speaker":"Miller","startTime":1849.8750625000112,"endTime":1849.9750625000113,"body":"you"},{"speaker":"Miller","startTime":1849.9850625000113,"endTime":1850.3650625000112,"body":"you're"},{"speaker":"Miller","startTime":1850.6550625000111,"endTime":1850.9750620000111,"body":"very"},{"speaker":"Miller","startTime":1850.9750620000111,"endTime":1851.1750615000112,"body":"high"},{"speaker":"Miller","startTime":1851.175062500011,"endTime":1851.5650625000112,"body":"risk?"},{"speaker":"Miller","startTime":1851.6250625000112,"endTime":1851.7250620000111,"body":"A"},{"speaker":"Miller","startTime":1851.7250620000111,"endTime":1852.075061500011,"body":"lot"},{"speaker":"Miller","startTime":1852.0750625000112,"endTime":1852.2150625000113,"body":"of"},{"speaker":"Miller","startTime":1852.2150625000113,"endTime":1852.4150625000111,"body":"that"},{"speaker":"Miller","startTime":1852.4150625000111,"endTime":1852.6850620000112,"body":"really"},{"speaker":"Miller","startTime":1852.6850620000112,"endTime":1853.0150615000111,"body":"comes"},{"speaker":"Miller","startTime":1853.0150615000111,"endTime":1853.2650615000111,"body":"down"},{"speaker":"Miller","startTime":1853.2650615000111,"endTime":1853.5950615000113,"body":"to,"},{"speaker":"Miller","startTime":1853.6450615000113,"endTime":1853.8950615000113,"body":"you"},{"speaker":"Miller","startTime":1853.9050625000111,"endTime":1854.205062500011,"body":"need"},{"speaker":"Miller","startTime":1854.205062500011,"endTime":1854.4050625000111,"body":"to"},{"speaker":"Miller","startTime":1854.4050625000111,"endTime":1854.7750625000112,"body":"have"},{"speaker":"Miller","startTime":1854.805061500011,"endTime":1855.1450615000113,"body":"good"},{"speaker":"Miller","startTime":1855.1550625000111,"endTime":1855.4750620000111,"body":"risk"},{"speaker":"Miller","startTime":1855.4750620000111,"endTime":1856.2550615000112,"body":"management"},{"speaker":"Miller","startTime":1856.6850615000112,"endTime":1857.5150615000111,"body":"practices"},{"speaker":"Miller","startTime":1857.5350615000111,"endTime":1857.7850615000111,"body":"in"},{"speaker":"Miller","startTime":1857.7850615000111,"endTime":1858.325061500011,"body":"place."},{"speaker":"Miller","startTime":1858.3550625000112,"endTime":1858.5150625000113,"body":"The"},{"speaker":"Miller","startTime":1858.5150625000113,"endTime":1858.9550620000111,"body":"words"},{"speaker":"Miller","startTime":1858.9550620000111,"endTime":1859.1350615000113,"body":"they"},{"speaker":"Miller","startTime":1859.1350615000113,"endTime":1859.5450615000111,"body":"use"},{"speaker":"Miller","startTime":1859.555061500011,"endTime":1859.8550615000113,"body":"during"},{"speaker":"Miller","startTime":1859.8550625000112,"endTime":1859.9750620000111,"body":"the"},{"speaker":"Miller","startTime":1859.9750620000111,"endTime":1860.6650615000112,"body":"webinar"},{"speaker":"Miller","startTime":1860.6650625000111,"endTime":1860.8550625000112,"body":"is"},{"speaker":"Miller","startTime":1860.8550625000112,"endTime":1860.9750625000113,"body":"your"},{"speaker":"Miller","startTime":1860.9750625000113,"endTime":1861.185062500011,"body":"risk"},{"speaker":"Miller","startTime":1861.185062500011,"endTime":1861.6450625000111,"body":"management"},{"speaker":"Miller","startTime":1861.6550625000111,"endTime":1862.3250625000112,"body":"processes"},{"speaker":"Miller","startTime":1862.3750625000112,"endTime":1862.5950625000112,"body":"need"},{"speaker":"Miller","startTime":1862.6050625000112,"endTime":1862.695062500011,"body":"to"},{"speaker":"Miller","startTime":1862.705062500011,"endTime":1862.8450625000112,"body":"be"},{"speaker":"Miller","startTime":1862.8450625000112,"endTime":1863.4050625000111,"body":"commensurate"},{"speaker":"Miller","startTime":1863.4150625000111,"endTime":1863.6350625000111,"body":"with"},{"speaker":"Miller","startTime":1863.6350625000111,"endTime":1863.7550625000113,"body":"your"},{"speaker":"Miller","startTime":1863.7550625000113,"endTime":1864.0050625000113,"body":"risk"},{"speaker":"Miller","startTime":1864.0050625000113,"endTime":1864.3450625000112,"body":"level."},{"speaker":"Miller","startTime":1864.7050625000113,"endTime":1864.9950625000113,"body":"And"},{"speaker":"Miller","startTime":1865.0250625000112,"endTime":1865.4450625000113,"body":"that's"},{"speaker":"Miller","startTime":1866.7100625000112,"endTime":1867.580062500011,"body":"Regulatory"},{"speaker":"Miller","startTime":1867.580062500011,"endTime":1868.140062500011,"body":"language"},{"speaker":"Miller","startTime":1868.140062500011,"endTime":1868.4400625000112,"body":"that's"},{"speaker":"Miller","startTime":1868.4400625000112,"endTime":1868.630062500011,"body":"been"},{"speaker":"Miller","startTime":1868.640062500011,"endTime":1869.0300625000111,"body":"used"},{"speaker":"Miller","startTime":1869.0400625000111,"endTime":1869.1800625000112,"body":"for"},{"speaker":"Miller","startTime":1869.1800625000112,"endTime":1869.840062500011,"body":"decades."},{"speaker":"Miller","startTime":1870.090062500011,"endTime":1870.630062500011,"body":"Sometimes"},{"speaker":"Miller","startTime":1870.630062500011,"endTime":1870.7900625000111,"body":"it's"},{"speaker":"Miller","startTime":1870.7900625000111,"endTime":1871.130062500011,"body":"hard"},{"speaker":"Miller","startTime":1871.130062500011,"endTime":1871.2700625000111,"body":"for"},{"speaker":"Miller","startTime":1871.2700625000111,"endTime":1871.600062500011,"body":"credit"},{"speaker":"Miller","startTime":1871.600062500011,"endTime":1871.820062500011,"body":"needs"},{"speaker":"Miller","startTime":1871.820062500011,"endTime":1871.9400625000112,"body":"to"},{"speaker":"Miller","startTime":1871.9400625000112,"endTime":1872.110062500011,"body":"put"},{"speaker":"Miller","startTime":1872.110062500011,"endTime":1872.2400625000112,"body":"their"},{"speaker":"Miller","startTime":1872.2400625000112,"endTime":1872.650062500011,"body":"finger"},{"speaker":"Miller","startTime":1872.650062500011,"endTime":1873.060062500011,"body":"around."},{"speaker":"Miller","startTime":1873.070062500011,"endTime":1873.330062500011,"body":"What"},{"speaker":"Miller","startTime":1873.350062500011,"endTime":1873.600062500011,"body":"does"},{"speaker":"Miller","startTime":1873.610062500011,"endTime":1873.9400625000112,"body":"that"},{"speaker":"Miller","startTime":1873.9900625000112,"endTime":1874.7600625000111,"body":"actually"},{"speaker":"Miller","startTime":1874.7700625000111,"endTime":1875.2800625000111,"body":"mean?"},{"speaker":"Miller","startTime":1875.710061500011,"endTime":1875.9000615000111,"body":"But"},{"speaker":"Miller","startTime":1875.9400625000112,"endTime":1876.1900625000112,"body":"many"},{"speaker":"Miller","startTime":1876.1900625000112,"endTime":1876.4200625000112,"body":"credit"},{"speaker":"Miller","startTime":1876.4300625000112,"endTime":1876.860062500011,"body":"use"},{"speaker":"Miller","startTime":1876.860062500011,"endTime":1877.320062500011,"body":"vendors."},{"speaker":"Miller","startTime":1877.320062500011,"endTime":1877.4500625000112,"body":"They"},{"speaker":"Miller","startTime":1877.4500625000112,"endTime":1877.640062500011,"body":"have"},{"speaker":"Miller","startTime":1877.6700615000111,"endTime":1878.1200615000112,"body":"peers."},{"speaker":"Miller","startTime":1878.1300615000112,"endTime":1878.280061500011,"body":"Let's"},{"speaker":"Miller","startTime":1878.2800625000111,"endTime":1878.5200625000111,"body":"have"},{"speaker":"Miller","startTime":1878.5200625000111,"endTime":1878.6900625000112,"body":"some"},{"speaker":"Miller","startTime":1878.6900625000112,"endTime":1879.2700625000111,"body":"discussions"},{"speaker":"Miller","startTime":1879.2700625000111,"endTime":1879.4700625000112,"body":"with"},{"speaker":"Miller","startTime":1879.4700625000112,"endTime":1879.7200625000112,"body":"that."},{"speaker":"Miller","startTime":1879.750061500011,"endTime":1879.9200615000111,"body":"Let's"},{"speaker":"Miller","startTime":1879.9200615000111,"endTime":1880.1700615000111,"body":"have"},{"speaker":"Miller","startTime":1880.1700615000111,"endTime":1880.3500615000112,"body":"some"},{"speaker":"Miller","startTime":1880.350062500011,"endTime":1880.960062000011,"body":"discussions"},{"speaker":"Miller","startTime":1880.960062000011,"endTime":1881.220061500011,"body":"with"},{"speaker":"Miller","startTime":1881.2200625000112,"endTime":1881.4500625000112,"body":"your"},{"speaker":"Miller","startTime":1881.4500625000112,"endTime":1882.1800625000112,"body":"examiners"},{"speaker":"Miller","startTime":1882.1800625000112,"endTime":1882.400062500011,"body":"ahead"},{"speaker":"Miller","startTime":1882.400062500011,"endTime":1882.4900625000112,"body":"of"},{"speaker":"Miller","startTime":1882.4900625000112,"endTime":1882.7800625000111,"body":"time"},{"speaker":"Miller","startTime":1882.7800625000111,"endTime":1882.870062500011,"body":"of"},{"speaker":"Miller","startTime":1882.870062500011,"endTime":1883.310062500011,"body":"what"},{"speaker":"Miller","startTime":1883.8600615000112,"endTime":1884.1700615000111,"body":"they"},{"speaker":"Miller","startTime":1884.1700615000111,"endTime":1884.490061500011,"body":"might"},{"speaker":"Miller","startTime":1884.500063500011,"endTime":1884.810063500011,"body":"think"},{"speaker":"Miller","startTime":1884.8101635000112,"endTime":1885.2999625000111,"body":"that."},{"speaker":"Miller","startTime":1885.600062500011,"endTime":1886.2600625000111,"body":"may"},{"speaker":"Miller","startTime":1886.560062500011,"endTime":1887.370062500011,"body":"also"},{"speaker":"Miller","startTime":1887.7000625000112,"endTime":1888.3600625000113,"body":"mean."},{"speaker":"Miller","startTime":1888.4300625000112,"endTime":1888.6200625000113,"body":"They'll"},{"speaker":"Miller","startTime":1888.6200625000113,"endTime":1888.9200625000112,"body":"pretty"},{"speaker":"Miller","startTime":1888.9200625000112,"endTime":1889.1400625000113,"body":"much"},{"speaker":"Miller","startTime":1889.1400625000113,"endTime":1889.5100625000114,"body":"say"},{"speaker":"Miller","startTime":1889.5100625000114,"endTime":1889.7800625000114,"body":"you"},{"speaker":"Miller","startTime":1889.7900625000113,"endTime":1890.1100625000113,"body":"won't"},{"speaker":"Miller","startTime":1890.1200625000113,"endTime":1890.3900625000113,"body":"get"},{"speaker":"Miller","startTime":1890.3900625000113,"endTime":1890.5200625000114,"body":"a"},{"speaker":"Miller","startTime":1890.5300625000114,"endTime":1891.3200625000113,"body":"door"},{"speaker":"Miller","startTime":1891.8500625000113,"endTime":1892.1200625000113,"body":"under"},{"speaker":"Miller","startTime":1892.1200625000113,"endTime":1892.3500625000113,"body":"two"},{"speaker":"Miller","startTime":1892.3800625000113,"endTime":1892.9900625000112,"body":"conditions"},{"speaker":"Miller","startTime":1892.9900625000112,"endTime":1893.1200625000113,"body":"and"},{"speaker":"Miller","startTime":1893.1200625000113,"endTime":1893.4700625000112,"body":"that's"},{"speaker":"Miller","startTime":1893.4700625000112,"endTime":1893.8600625000113,"body":"if"},{"speaker":"Miller","startTime":1893.9800625000112,"endTime":1894.4000625000112,"body":"your"},{"speaker":"Miller","startTime":1894.4000625000112,"endTime":1894.6200625000113,"body":"risk"},{"speaker":"Miller","startTime":1894.6500625000112,"endTime":1895.1300620000113,"body":"management"},{"speaker":"Miller","startTime":1895.1300620000113,"endTime":1896.0000615000113,"body":"processes"},{"speaker":"Miller","startTime":1896.0600625000113,"endTime":1896.5100625000111,"body":"are"},{"speaker":"Miller","startTime":1896.7400625000112,"endTime":1897.4700625000112,"body":"acceptable"},{"speaker":"Miller","startTime":1897.5200625000111,"endTime":1897.7000625000112,"body":"and"},{"speaker":"Miller","startTime":1897.7000625000112,"endTime":1898.3000625000113,"body":"commensurate"},{"speaker":"Miller","startTime":1898.770061500011,"endTime":1899.1600615000111,"body":"or"},{"speaker":"Miller","startTime":1899.190061500011,"endTime":1899.3600615000112,"body":"if"},{"speaker":"Miller","startTime":1899.360062500011,"endTime":1899.4700625000112,"body":"the"},{"speaker":"Miller","startTime":1899.4700625000112,"endTime":1899.940062000011,"body":"crediting"},{"speaker":"Miller","startTime":1899.940062000011,"endTime":1900.1000615000112,"body":"has"},{"speaker":"Miller","startTime":1900.1000615000112,"endTime":1900.490061500011,"body":"already"},{"speaker":"Miller","startTime":1900.5000625000112,"endTime":1900.8500620000111,"body":"taken"},{"speaker":"Miller","startTime":1900.8500620000111,"endTime":1901.310061500011,"body":"steps"},{"speaker":"Miller","startTime":1901.310061500011,"endTime":1901.4200615000111,"body":"to"},{"speaker":"Miller","startTime":1901.420062500011,"endTime":1901.800062500011,"body":"act"},{"speaker":"Miller","startTime":1901.800062500011,"endTime":1901.940062500011,"body":"on"},{"speaker":"Miller","startTime":1901.940062500011,"endTime":1902.090062500011,"body":"their"},{"speaker":"Miller","startTime":1902.090062500011,"endTime":1902.2800625000111,"body":"high"},{"speaker":"Miller","startTime":1902.280063500011,"endTime":1902.520063000011,"body":"risk"},{"speaker":"Miller","startTime":1902.520063000011,"endTime":1902.900062500011,"body":"rating"},{"speaker":"Miller","startTime":1902.940062500011,"endTime":1903.2900625000111,"body":"so"},{"speaker":"Miller","startTime":1903.600062500011,"endTime":1903.8000620000112,"body":"they've"},{"speaker":"Miller","startTime":1903.8000620000112,"endTime":1904.200061500011,"body":"noticed"},{"speaker":"Miller","startTime":1904.200061500011,"endTime":1904.3500615000112,"body":"their"},{"speaker":"Miller","startTime":1904.350062500011,"endTime":1904.640062000011,"body":"risk"},{"speaker":"Miller","startTime":1904.640062000011,"endTime":1904.820061500011,"body":"has"},{"speaker":"Miller","startTime":1904.820062500011,"endTime":1905.110062500011,"body":"gone"},{"speaker":"Miller","startTime":1905.110062500011,"endTime":1905.2300625000112,"body":"up."},{"speaker":"Miller","startTime":1905.380062500011,"endTime":1905.880062500011,"body":"So"},{"speaker":"Miller","startTime":1906.3300625000113,"endTime":1906.5600625000113,"body":"They've"},{"speaker":"Miller","startTime":1906.5600625000113,"endTime":1906.8300625000113,"body":"went"},{"speaker":"Miller","startTime":1906.8300625000113,"endTime":1907.1000625000113,"body":"back"},{"speaker":"Miller","startTime":1907.1000625000113,"endTime":1907.2300625000112,"body":"and"},{"speaker":"Miller","startTime":1907.2300625000112,"endTime":1907.3700625000113,"body":"they've"},{"speaker":"Miller","startTime":1907.3700625000113,"endTime":1907.5300625000111,"body":"come"},{"speaker":"Miller","startTime":1907.5300625000111,"endTime":1907.6600625000112,"body":"up"},{"speaker":"Miller","startTime":1907.6600625000112,"endTime":1907.8000625000113,"body":"with"},{"speaker":"Miller","startTime":1907.8000625000113,"endTime":1907.8600625000113,"body":"a"},{"speaker":"Miller","startTime":1907.8600625000113,"endTime":1908.2100625000112,"body":"plan."},{"speaker":"Miller","startTime":1908.2200625000112,"endTime":1908.3600625000113,"body":"We're"},{"speaker":"Miller","startTime":1908.3600625000113,"endTime":1908.4600625000112,"body":"going"},{"speaker":"Miller","startTime":1908.4600625000112,"endTime":1908.5400625000111,"body":"to"},{"speaker":"Miller","startTime":1908.5400625000111,"endTime":1908.8700625000113,"body":"change"},{"speaker":"Miller","startTime":1908.8700625000113,"endTime":1908.9700625000112,"body":"our"},{"speaker":"Miller","startTime":1908.9700625000112,"endTime":1909.4000625000112,"body":"pricing"},{"speaker":"Miller","startTime":1909.4000625000112,"endTime":1910.0100625000111,"body":"strategy."},{"speaker":"Miller","startTime":1910.0200625000111,"endTime":1910.2000625000112,"body":"We're"},{"speaker":"Miller","startTime":1910.2000625000112,"endTime":1910.3300625000113,"body":"going"},{"speaker":"Miller","startTime":1910.3300625000113,"endTime":1910.5400625000111,"body":"to"},{"speaker":"Miller","startTime":1910.8300625000113,"endTime":1911.4900625000112,"body":"slow"},{"speaker":"Miller","startTime":1911.5200625000111,"endTime":1911.6500625000112,"body":"the"},{"speaker":"Miller","startTime":1911.6500625000112,"endTime":1912.0400625000111,"body":"growth"},{"speaker":"Miller","startTime":1912.0400625000111,"endTime":1912.1900625000112,"body":"of"},{"speaker":"Miller","startTime":1912.1900625000112,"endTime":1912.4500625000112,"body":"long"},{"speaker":"Miller","startTime":1912.4500625000112,"endTime":1912.7100625000112,"body":"term"},{"speaker":"Miller","startTime":1912.7100625000112,"endTime":1913.1600625000112,"body":"assets,"},{"speaker":"Miller","startTime":1913.1600625000112,"endTime":1913.5200625000111,"body":"whatever"},{"speaker":"Miller","startTime":1913.5200625000111,"endTime":1913.7400625000112,"body":"that"},{"speaker":"Miller","startTime":1913.7400625000112,"endTime":1913.9300625000112,"body":"may"},{"speaker":"Miller","startTime":1913.9300625000112,"endTime":1914.2700625000111,"body":"be."},{"speaker":"Miller","startTime":1914.3100615000112,"endTime":1914.4900615000113,"body":"What"},{"speaker":"Miller","startTime":1914.4900625000112,"endTime":1914.6400625000113,"body":"they're"},{"speaker":"Miller","startTime":1914.6400625000113,"endTime":1914.9600625000112,"body":"looking"},{"speaker":"Miller","startTime":1914.9600625000112,"endTime":1915.5000625000112,"body":"for,"},{"speaker":"Miller","startTime":1915.5200615000113,"endTime":1915.7200615000113,"body":"does"},{"speaker":"Miller","startTime":1915.7200625000112,"endTime":1915.8100620000112,"body":"the"},{"speaker":"Miller","startTime":1915.8100620000112,"endTime":1916.1000615000112,"body":"credit"},{"speaker":"Miller","startTime":1916.1100625000113,"endTime":1916.3400625000113,"body":"union"},{"speaker":"Miller","startTime":1916.3400625000113,"endTime":1916.7300620000112,"body":"already"},{"speaker":"Miller","startTime":1916.7300620000112,"endTime":1916.9200615000111,"body":"have"},{"speaker":"Miller","startTime":1916.9200625000112,"endTime":1916.9800620000112,"body":"a"},{"speaker":"Miller","startTime":1916.9800620000112,"endTime":1917.4300615000113,"body":"plan"},{"speaker":"Miller","startTime":1917.4500625000112,"endTime":1917.5800625000113,"body":"to"},{"speaker":"Miller","startTime":1917.5800625000113,"endTime":1917.9100625000112,"body":"maybe"},{"speaker":"Miller","startTime":1917.9100625000112,"endTime":1918.4500625000112,"body":"start"},{"speaker":"Miller","startTime":1918.8700625000113,"endTime":1919.3000625000113,"body":"reining"},{"speaker":"Miller","startTime":1919.3100615000114,"endTime":1919.4500615000113,"body":"in"},{"speaker":"Miller","startTime":1919.4500625000114,"endTime":1919.6100625000113,"body":"their"},{"speaker":"Miller","startTime":1919.6100625000113,"endTime":1919.8800625000115,"body":"risk"},{"speaker":"Miller","startTime":1919.8800625000115,"endTime":1920.2000625000114,"body":"level"},{"speaker":"Miller","startTime":1920.2000625000114,"endTime":1920.3600625000113,"body":"or"},{"speaker":"Miller","startTime":1920.3800625000115,"endTime":1920.8900620000113,"body":"containing"},{"speaker":"Miller","startTime":1920.8900620000113,"endTime":1921.0700615000114,"body":"it"},{"speaker":"Miller","startTime":1921.0900615000114,"endTime":1921.2600615000115,"body":"or"},{"speaker":"Miller","startTime":1921.2600615000115,"endTime":1921.8100615000114,"body":"reducing"},{"speaker":"Miller","startTime":1921.8100615000114,"endTime":1921.9500615000113,"body":"it?"},{"speaker":"Miller","startTime":1922.4300625000112,"endTime":1922.6900625000112,"body":"So"},{"speaker":"Miller","startTime":1922.6900625000112,"endTime":1922.8500625000113,"body":"it's"},{"speaker":"Miller","startTime":1922.8600625000113,"endTime":1923.2000625000112,"body":"those"},{"speaker":"Miller","startTime":1923.2000625000112,"endTime":1923.4200625000112,"body":"two"},{"speaker":"Miller","startTime":1923.4200625000112,"endTime":1923.9300625000112,"body":"pieces"},{"speaker":"Miller","startTime":1923.9300625000112,"endTime":1924.0300625000111,"body":"are"},{"speaker":"Miller","startTime":1924.0300625000111,"endTime":1924.1800625000112,"body":"the"},{"speaker":"Miller","startTime":1924.1900625000112,"endTime":1924.4200625000112,"body":"big"},{"speaker":"Miller","startTime":1924.4400625000112,"endTime":1925.0200625000111,"body":"takeaways."},{"speaker":"Miller","startTime":1925.0700625000113,"endTime":1925.1900625000112,"body":"You're"},{"speaker":"Miller","startTime":1925.1900625000112,"endTime":1925.4800625000112,"body":"not"},{"speaker":"Miller","startTime":1925.4900615000113,"endTime":1925.6100615000112,"body":"going"},{"speaker":"Miller","startTime":1925.6100625000113,"endTime":1925.6900625000112,"body":"to"},{"speaker":"Miller","startTime":1925.6900625000112,"endTime":1925.9000625000112,"body":"get"},{"speaker":"Miller","startTime":1925.9000625000112,"endTime":1925.9600625000112,"body":"a"},{"speaker":"Miller","startTime":1925.9600625000112,"endTime":1926.4800625000112,"body":"door"},{"speaker":"Miller","startTime":1926.800062500011,"endTime":1927.0100625000111,"body":"if"},{"speaker":"Miller","startTime":1927.0100625000111,"endTime":1927.1900625000112,"body":"you"},{"speaker":"Miller","startTime":1927.1900625000112,"endTime":1927.5400625000111,"body":"have"},{"speaker":"Miller","startTime":1927.5400625000111,"endTime":1927.8400625000113,"body":"really"},{"speaker":"Miller","startTime":1927.8400625000113,"endTime":1928.0900625000113,"body":"good"},{"speaker":"Miller","startTime":1928.0900625000113,"endTime":1928.300062500011,"body":"risk"},{"speaker":"Miller","startTime":1928.3200625000113,"endTime":1928.8900625000113,"body":"management."},{"speaker":"Miller","startTime":1929.1300625000113,"endTime":1929.800062500011,"body":"Practices"},{"speaker":"Miller","startTime":1929.800062500011,"endTime":1929.9300625000112,"body":"and"},{"speaker":"Miller","startTime":1929.9400625000112,"endTime":1930.3600625000113,"body":"governance"},{"speaker":"Miller","startTime":1930.3600625000113,"endTime":1930.7200625000112,"body":"across"},{"speaker":"Miller","startTime":1930.7400625000112,"endTime":1930.8900625000113,"body":"your"},{"speaker":"Miller","startTime":1930.8900625000113,"endTime":1931.2000625000112,"body":"credit"},{"speaker":"Miller","startTime":1931.2000625000112,"endTime":1931.580062500011,"body":"union"},{"speaker":"Miller","startTime":1932.2000625000114,"endTime":1932.6400625000113,"body":"are"},{"speaker":"Miller","startTime":1932.6700625000115,"endTime":1932.9400625000114,"body":"if"},{"speaker":"Miller","startTime":1932.9500625000114,"endTime":1933.1700625000115,"body":"your"},{"speaker":"Miller","startTime":1933.1700625000115,"endTime":1933.4400625000114,"body":"risk"},{"speaker":"Miller","startTime":1933.4400625000114,"endTime":1933.5600625000113,"body":"is"},{"speaker":"Miller","startTime":1933.5900625000113,"endTime":1934.3700625000113,"body":"elevated,"},{"speaker":"Miller","startTime":1934.6100625000113,"endTime":1934.8300625000113,"body":"has"},{"speaker":"Miller","startTime":1934.8300625000113,"endTime":1934.9800625000114,"body":"your"},{"speaker":"Miller","startTime":1934.9800625000114,"endTime":1935.5800625000113,"body":"management"},{"speaker":"Miller","startTime":1935.5800625000113,"endTime":1935.9200625000115,"body":"team"},{"speaker":"Miller","startTime":1935.9200625000115,"endTime":1936.1500625000112,"body":"done"},{"speaker":"Miller","startTime":1936.1500625000112,"endTime":1936.5700625000113,"body":"something"},{"speaker":"Miller","startTime":1936.5700625000113,"endTime":1936.7200625000114,"body":"to"},{"speaker":"Miller","startTime":1936.7200625000114,"endTime":1936.9600625000114,"body":"rein"},{"speaker":"Miller","startTime":1936.9600625000114,"endTime":1937.1300625000113,"body":"that"},{"speaker":"Miller","startTime":1937.1400615000114,"endTime":1937.3900615000114,"body":"back"},{"speaker":"Miller","startTime":1937.3900615000114,"endTime":1937.4700615000113,"body":"in?"},{"speaker":"Miller","startTime":1937.5200625000114,"endTime":1937.5900625000113,"body":"Do"},{"speaker":"Miller","startTime":1937.5900625000113,"endTime":1937.8400625000113,"body":"you"},{"speaker":"Miller","startTime":1937.8500615000114,"endTime":1938.0600615000114,"body":"have"},{"speaker":"Miller","startTime":1938.0600625000113,"endTime":1938.1300625000113,"body":"a"},{"speaker":"Miller","startTime":1938.1300625000113,"endTime":1938.5600625000113,"body":"plan"},{"speaker":"Miller","startTime":1938.5600625000113,"endTime":1938.7500625000114,"body":"to"},{"speaker":"Miller","startTime":1938.7900625000113,"endTime":1939.5200625000114,"body":"contain"},{"speaker":"Miller","startTime":1939.9600625000112,"endTime":1940.2400625000112,"body":"this"},{"speaker":"Miller","startTime":1940.2400625000112,"endTime":1940.7300625000112,"body":"rising"},{"speaker":"Miller","startTime":1940.7300625000112,"endTime":1941.1700625000112,"body":"risk?"},{"speaker":"Miller","startTime":1941.1700625000112,"endTime":1941.5800625000113,"body":"So"},{"speaker":"Miller","startTime":1941.5900615000112,"endTime":1941.9200615000113,"body":"those"},{"speaker":"Miller","startTime":1941.9200615000113,"endTime":1942.0500615000112,"body":"are"},{"speaker":"Miller","startTime":1942.0500615000112,"endTime":1942.1700615000113,"body":"the"},{"speaker":"Miller","startTime":1942.2000625000112,"endTime":1942.4400625000112,"body":"two"},{"speaker":"Miller","startTime":1942.4400625000112,"endTime":1942.7400625000112,"body":"big"},{"speaker":"Miller","startTime":1942.7500625000114,"endTime":1943.3700625000113,"body":"takeaways."},{"speaker":"Miller","startTime":1943.3700625000113,"endTime":1943.5200625000114,"body":"If"},{"speaker":"Miller","startTime":1943.8000615000112,"endTime":1943.9600615000113,"body":"you"},{"speaker":"Miller","startTime":1943.9600615000113,"endTime":1944.1500615000114,"body":"want"},{"speaker":"Miller","startTime":1944.1500625000112,"endTime":1944.2300625000112,"body":"to"},{"speaker":"Miller","startTime":1944.2400625000112,"endTime":1944.6500625000112,"body":"avoid"},{"speaker":"Miller","startTime":1944.6500625000112,"endTime":1944.7200620000112,"body":"a"},{"speaker":"Miller","startTime":1944.7200620000112,"endTime":1945.0300615000112,"body":"door"},{"speaker":"Miller","startTime":1945.0300625000114,"endTime":1945.1700620000113,"body":"and"},{"speaker":"Miller","startTime":1945.1700620000113,"endTime":1945.3400615000112,"body":"get"},{"speaker":"Miller","startTime":1945.3400615000112,"endTime":1945.4000615000114,"body":"a"},{"speaker":"Miller","startTime":1945.4000615000114,"endTime":1945.6500615000114,"body":"good"},{"speaker":"Miller","startTime":1945.6500615000114,"endTime":1945.9200615000113,"body":"risk"},{"speaker":"Miller","startTime":1945.9200615000113,"endTime":1946.2700615000113,"body":"rating"},{"speaker":"Miller","startTime":1946.2700625000114,"endTime":1946.4900625000112,"body":"is"},{"speaker":"Miller","startTime":1946.8600625000113,"endTime":1947.0400625000113,"body":"make"},{"speaker":"Miller","startTime":1947.0400625000113,"endTime":1947.2500620000112,"body":"sure"},{"speaker":"Miller","startTime":1947.2500620000112,"endTime":1947.4300615000113,"body":"your"},{"speaker":"Miller","startTime":1947.4300615000113,"endTime":1947.6000615000112,"body":"risk"},{"speaker":"Miller","startTime":1947.6200625000113,"endTime":1948.0600625000113,"body":"management"},{"speaker":"Miller","startTime":1948.0700615000112,"endTime":1948.7400615000113,"body":"processes"},{"speaker":"Miller","startTime":1948.7400625000112,"endTime":1949.0100625000114,"body":"are"},{"speaker":"Miller","startTime":1949.2350625000113,"endTime":1949.8350625000112,"body":"Acceptable"},{"speaker":"Miller","startTime":1949.8350625000112,"endTime":1949.9950625000113,"body":"and"},{"speaker":"Miller","startTime":1949.9950625000113,"endTime":1950.6150625000112,"body":"consistent."},{"speaker":"Miller","startTime":1951.0550625000112,"endTime":1951.215062500011,"body":"And"},{"speaker":"Miller","startTime":1951.215062500011,"endTime":1951.275062500011,"body":"I"},{"speaker":"Miller","startTime":1951.275062500011,"endTime":1951.5750625000112,"body":"think"},{"speaker":"Miller","startTime":1951.5850625000112,"endTime":1952.0450625000112,"body":"for"},{"speaker":"Miller","startTime":1952.0450625000112,"endTime":1952.265062500011,"body":"some"},{"speaker":"Miller","startTime":1952.265062500011,"endTime":1952.3550625000112,"body":"of"},{"speaker":"Miller","startTime":1952.3550625000112,"endTime":1952.435062500011,"body":"the"},{"speaker":"Miller","startTime":1952.435062500011,"endTime":1952.675062500011,"body":"credit"},{"speaker":"Miller","startTime":1952.715062500011,"endTime":1952.8550625000112,"body":"is"},{"speaker":"Miller","startTime":1952.8550625000112,"endTime":1952.985062500011,"body":"that"},{"speaker":"Miller","startTime":1952.985062500011,"endTime":1953.3250625000112,"body":"already"},{"speaker":"Miller","startTime":1953.3250625000112,"endTime":1953.5550625000112,"body":"got"},{"speaker":"Miller","startTime":1953.5550625000112,"endTime":1953.6050625000112,"body":"a"},{"speaker":"Miller","startTime":1953.6050625000112,"endTime":1953.8550625000112,"body":"door."},{"speaker":"Miller","startTime":1953.8650625000112,"endTime":1954.0350625000112,"body":"They"},{"speaker":"Miller","startTime":1954.0350625000112,"endTime":1954.275062500011,"body":"did"},{"speaker":"Miller","startTime":1954.275062500011,"endTime":1954.475062500011,"body":"have"},{"speaker":"Miller","startTime":1954.505062500011,"endTime":1954.705062500011,"body":"good"},{"speaker":"Miller","startTime":1954.705062500011,"endTime":1954.8650625000112,"body":"risk"},{"speaker":"Miller","startTime":1954.9050625000111,"endTime":1955.255062500011,"body":"management"},{"speaker":"Miller","startTime":1955.3250625000112,"endTime":1956.0750625000112,"body":"processes."},{"speaker":"Miller","startTime":1956.495062500011,"endTime":1956.5850625000112,"body":"I"},{"speaker":"Miller","startTime":1956.5950625000112,"endTime":1956.8350625000112,"body":"think"},{"speaker":"Miller","startTime":1956.8350625000112,"endTime":1957.195062500011,"body":"the"},{"speaker":"Miller","startTime":1957.205062500011,"endTime":1958.0550625000112,"body":"examiners"},{"speaker":"Miller","startTime":1958.0650625000112,"endTime":1958.245062500011,"body":"were"},{"speaker":"Miller","startTime":1958.245062500011,"endTime":1958.755062000011,"body":"very"},{"speaker":"Miller","startTime":1958.755062000011,"endTime":1959.395061500011,"body":"reluctant"},{"speaker":"Miller","startTime":1959.425062500011,"endTime":1959.5650625000112,"body":"to"},{"speaker":"Miller","startTime":1959.5750625000112,"endTime":1959.8150625000112,"body":"give"},{"speaker":"Miller","startTime":1959.8250625000112,"endTime":1960.0350625000112,"body":"them"},{"speaker":"Miller","startTime":1960.0350625000112,"endTime":1960.1050625000112,"body":"a"},{"speaker":"Miller","startTime":1960.1050625000112,"endTime":1960.5450625000112,"body":"door."},{"speaker":"Miller","startTime":1960.5550625000112,"endTime":1960.695062500011,"body":"They"},{"speaker":"Miller","startTime":1960.695062500011,"endTime":1960.8750620000112,"body":"knew"},{"speaker":"Miller","startTime":1960.8750620000112,"endTime":1961.075061500011,"body":"one"},{"speaker":"Miller","startTime":1961.085061500011,"endTime":1961.375061500011,"body":"wasn't"},{"speaker":"Miller","startTime":1961.3850625000111,"endTime":1962.245062500011,"body":"necessary,"},{"speaker":"Miller","startTime":1962.6350625000111,"endTime":1962.8050625000112,"body":"but"},{"speaker":"Miller","startTime":1962.8050625000112,"endTime":1962.9050625000111,"body":"they"},{"speaker":"Miller","startTime":1962.9050625000111,"endTime":1963.0650625000112,"body":"had"},{"speaker":"Miller","startTime":1963.0650625000112,"endTime":1963.235062500011,"body":"this"},{"speaker":"Miller","startTime":1963.235062500011,"endTime":1963.685062500011,"body":"agency"},{"speaker":"Miller","startTime":1963.685062500011,"endTime":1964.1550625000111,"body":"policy"},{"speaker":"Miller","startTime":1964.1550625000111,"endTime":1964.3250625000112,"body":"that"},{"speaker":"Miller","startTime":1964.3250625000112,"endTime":1964.5550625000112,"body":"says"},{"speaker":"Miller","startTime":1964.6150625000112,"endTime":1964.755062000011,"body":"I"},{"speaker":"Miller","startTime":1964.755062000011,"endTime":1964.9850615000112,"body":"have"},{"speaker":"Miller","startTime":1964.985062500011,"endTime":1965.1050625000112,"body":"to"},{"speaker":"Miller","startTime":1965.1150625000112,"endTime":1965.275062000011,"body":"give"},{"speaker":"Miller","startTime":1965.275062000011,"endTime":1965.4550615000112,"body":"you"},{"speaker":"Miller","startTime":1965.4550615000112,"endTime":1965.5150615000111,"body":"a"},{"speaker":"Miller","startTime":1965.5150615000111,"endTime":1965.7450615000112,"body":"door"},{"speaker":"Miller","startTime":1965.8350625000112,"endTime":1966.1250625000112,"body":"that"},{"speaker":"Miller","startTime":1966.1450625000111,"endTime":1966.515062000011,"body":"has"},{"speaker":"Miller","startTime":1966.515062000011,"endTime":1966.9450615000112,"body":"happened"},{"speaker":"Miller","startTime":1966.9550615000112,"endTime":1967.095061500011,"body":"to"},{"speaker":"Miller","startTime":1967.095063500011,"endTime":1967.5850630000111,"body":"places"},{"speaker":"Miller","startTime":1967.5850630000111,"endTime":1967.735062500011,"body":"that"},{"speaker":"Miller","startTime":1967.745062500011,"endTime":1968.0450625000112,"body":"have"},{"speaker":"Miller","startTime":1968.0550625000112,"endTime":1968.705062500011,"body":"very"},{"speaker":"Miller","startTime":1969.8450625000112,"endTime":1970.0250625000112,"body":"That"},{"speaker":"Miller","startTime":1970.0350625000112,"endTime":1970.2850625000112,"body":"have"},{"speaker":"Miller","startTime":1970.2850625000112,"endTime":1970.4750625000113,"body":"risk"},{"speaker":"Miller","startTime":1970.5050625000113,"endTime":1971.0050625000113,"body":"management"},{"speaker":"Miller","startTime":1971.4850625000113,"endTime":1972.1150625000112,"body":"practices"},{"speaker":"Miller","startTime":1972.1150625000112,"endTime":1972.2750625000112,"body":"that"},{"speaker":"Miller","startTime":1972.3150625000112,"endTime":1972.5050625000113,"body":"are"},{"speaker":"Miller","startTime":1972.5050625000113,"endTime":1973.1450625000111,"body":"commensurate"},{"speaker":"Miller","startTime":1973.1550625000111,"endTime":1973.3350625000112,"body":"with"},{"speaker":"Miller","startTime":1973.3350625000112,"endTime":1973.4850625000113,"body":"their"},{"speaker":"Miller","startTime":1973.4850625000113,"endTime":1973.8550625000112,"body":"risk,"},{"speaker":"Miller","startTime":1973.9150625000113,"endTime":1974.0850625000112,"body":"but"},{"speaker":"Miller","startTime":1974.0850625000112,"endTime":1974.1650625000113,"body":"the"},{"speaker":"Miller","startTime":1974.1650625000113,"endTime":1974.4850625000113,"body":"second"},{"speaker":"Miller","startTime":1974.4850625000113,"endTime":1974.7450625000113,"body":"piece"},{"speaker":"Miller","startTime":1974.7450625000113,"endTime":1974.8950625000111,"body":"for"},{"speaker":"Miller","startTime":1974.8950625000111,"endTime":1974.9950625000113,"body":"the"},{"speaker":"Miller","startTime":1974.9950625000113,"endTime":1975.4250625000113,"body":"smaller,"},{"speaker":"Miller","startTime":1975.4250625000113,"endTime":1975.8550625000112,"body":"moderate"},{"speaker":"Miller","startTime":1975.8550625000112,"endTime":1976.1750625000113,"body":"credit"},{"speaker":"Miller","startTime":1976.1750625000113,"endTime":1976.4450625000113,"body":"unions,"},{"speaker":"Miller","startTime":1976.4450625000113,"endTime":1976.5950625000112,"body":"and"},{"speaker":"Miller","startTime":1976.5950625000112,"endTime":1976.6950625000113,"body":"if"},{"speaker":"Miller","startTime":1976.7250625000113,"endTime":1976.8950625000111,"body":"you"},{"speaker":"Miller","startTime":1976.9050625000111,"endTime":1977.2450625000113,"body":"haven't"},{"speaker":"Miller","startTime":1977.2450625000113,"endTime":1977.4550625000113,"body":"got"},{"speaker":"Miller","startTime":1977.4550625000113,"endTime":1977.5550625000112,"body":"an"},{"speaker":"Miller","startTime":1977.5550625000112,"endTime":1978.0650625000112,"body":"exam"},{"speaker":"Miller","startTime":1978.0650625000112,"endTime":1978.4050625000111,"body":"yet,"},{"speaker":"Miller","startTime":1978.8450615000113,"endTime":1979.0350615000111,"body":"and"},{"speaker":"Miller","startTime":1979.0350625000112,"endTime":1979.2450625000113,"body":"you"},{"speaker":"Miller","startTime":1979.2450625000113,"endTime":1979.4650620000111,"body":"are"},{"speaker":"Miller","startTime":1979.4650620000111,"endTime":1979.7550615000112,"body":"going"},{"speaker":"Miller","startTime":1979.7550615000112,"endTime":1979.8750615000113,"body":"to"},{"speaker":"Miller","startTime":1979.8750625000112,"endTime":1980.0650625000112,"body":"hit"},{"speaker":"Miller","startTime":1980.0850625000112,"endTime":1980.2850625000112,"body":"their"},{"speaker":"Miller","startTime":1980.2950625000112,"endTime":1980.5250625000112,"body":"new"},{"speaker":"Miller","startTime":1980.5450625000112,"endTime":1980.9150625000113,"body":"high"},{"speaker":"Miller","startTime":1980.9150625000113,"endTime":1981.2650625000113,"body":"risk"},{"speaker":"Miller","startTime":1981.2650625000113,"endTime":1981.9050625000111,"body":"ratings,"},{"speaker":"Miller","startTime":1982.5350615000111,"endTime":1982.7250615000112,"body":"do"},{"speaker":"Miller","startTime":1982.7250625000113,"endTime":1982.935062500011,"body":"make"},{"speaker":"Miller","startTime":1982.935062500011,"endTime":1983.2150625000113,"body":"sure"},{"speaker":"Miller","startTime":1983.2150625000113,"endTime":1983.3550625000112,"body":"and"},{"speaker":"Miller","startTime":1983.3550625000112,"endTime":1983.4850625000113,"body":"do"},{"speaker":"Miller","startTime":1983.4850625000113,"endTime":1983.5750620000113,"body":"a"},{"speaker":"Miller","startTime":1983.5750620000113,"endTime":1983.8850615000113,"body":"self"},{"speaker":"Miller","startTime":1983.8850625000111,"endTime":1984.5950625000112,"body":"assessment."},{"speaker":"Miller","startTime":1985.2750625000112,"endTime":1985.6350625000114,"body":"Have"},{"speaker":"Miller","startTime":1985.6350625000114,"endTime":1985.8150625000112,"body":"we"},{"speaker":"Miller","startTime":1985.8150625000112,"endTime":1986.2250625000113,"body":"addressed"},{"speaker":"Miller","startTime":1986.2250625000113,"endTime":1986.4350625000113,"body":"these"},{"speaker":"Miller","startTime":1986.4350625000113,"endTime":1986.8350620000112,"body":"issues?"},{"speaker":"Miller","startTime":1986.8350620000112,"endTime":1986.9950615000114,"body":"Have"},{"speaker":"Miller","startTime":1986.9950615000114,"endTime":1987.1050615000113,"body":"we"},{"speaker":"Miller","startTime":1987.1050625000114,"endTime":1987.3050620000113,"body":"paid"},{"speaker":"Miller","startTime":1987.3050620000113,"endTime":1987.7250615000114,"body":"attention"},{"speaker":"Miller","startTime":1987.7250615000114,"endTime":1987.7950615000113,"body":"to"},{"speaker":"Miller","startTime":1987.7950625000112,"endTime":1987.9750620000113,"body":"our"},{"speaker":"Miller","startTime":1987.9750620000113,"endTime":1988.3550615000113,"body":"rising"},{"speaker":"Miller","startTime":1988.3650625000114,"endTime":1988.6250625000114,"body":"risk"},{"speaker":"Miller","startTime":1988.6250625000114,"endTime":1989.0650625000112,"body":"levels?"},{"speaker":"Miller","startTime":1989.5700625000113,"endTime":1989.7200625000114,"body":"Do"},{"speaker":"Miller","startTime":1989.7200625000114,"endTime":1989.8800625000115,"body":"we"},{"speaker":"Miller","startTime":1989.8800625000115,"endTime":1990.1100625000113,"body":"have"},{"speaker":"Miller","startTime":1990.1100625000113,"endTime":1990.2900625000113,"body":"some"},{"speaker":"Miller","startTime":1990.2900625000113,"endTime":1990.9100625000115,"body":"discussions"},{"speaker":"Miller","startTime":1990.9100625000115,"endTime":1991.0400625000113,"body":"in"},{"speaker":"Miller","startTime":1991.0400625000113,"endTime":1991.1700625000115,"body":"our"},{"speaker":"Miller","startTime":1991.3600625000113,"endTime":1991.5300625000114,"body":"ALCO"},{"speaker":"Miller","startTime":1991.5300625000114,"endTime":1991.9000625000115,"body":"committee?"},{"speaker":"Miller","startTime":1991.9000625000115,"endTime":1992.0800625000113,"body":"What"},{"speaker":"Miller","startTime":1992.0800625000113,"endTime":1992.1400625000115,"body":"are"},{"speaker":"Miller","startTime":1992.1400625000115,"endTime":1992.3100625000113,"body":"we"},{"speaker":"Miller","startTime":1992.3100625000113,"endTime":1992.4400625000114,"body":"going"},{"speaker":"Miller","startTime":1992.4400625000114,"endTime":1992.5000625000114,"body":"to"},{"speaker":"Miller","startTime":1992.5000625000114,"endTime":1992.7200625000114,"body":"do"},{"speaker":"Miller","startTime":1992.7200625000114,"endTime":1993.1000625000113,"body":"about"},{"speaker":"Miller","startTime":1993.1000625000113,"endTime":1993.3200625000113,"body":"it?"},{"speaker":"Miller","startTime":1993.7700625000114,"endTime":1993.8800625000115,"body":"Are"},{"speaker":"Miller","startTime":1993.8800625000115,"endTime":1994.0000625000114,"body":"we"},{"speaker":"Miller","startTime":1994.0000625000114,"endTime":1994.0800625000113,"body":"going"},{"speaker":"Miller","startTime":1994.0800625000113,"endTime":1994.1600625000115,"body":"to"},{"speaker":"Miller","startTime":1994.1600625000115,"endTime":1994.4500625000114,"body":"talk"},{"speaker":"Miller","startTime":1994.4600625000114,"endTime":1994.7700625000114,"body":"about"},{"speaker":"Miller","startTime":1994.7700625000114,"endTime":1994.9400625000114,"body":"our"},{"speaker":"Miller","startTime":1994.9800625000114,"endTime":1995.4000625000115,"body":"earnings"},{"speaker":"Miller","startTime":1995.4000625000115,"endTime":1996.3000625000113,"body":"challenges?"},{"speaker":"Miller","startTime":1997.1200625000113,"endTime":1997.2700625000111,"body":"And"},{"speaker":"Miller","startTime":1997.2700625000111,"endTime":1997.3500625000113,"body":"I"},{"speaker":"Miller","startTime":1997.3500625000113,"endTime":1997.6700625000112,"body":"really,"},{"speaker":"Miller","startTime":1997.6800625000112,"endTime":1997.8200620000111,"body":"let's"},{"speaker":"Miller","startTime":1997.8200620000111,"endTime":1997.9700615000113,"body":"go"},{"speaker":"Miller","startTime":1997.9800625000112,"endTime":1998.2000625000112,"body":"back"},{"speaker":"Miller","startTime":1998.2100625000112,"endTime":1998.2400620000112,"body":"and"},{"speaker":"Miller","startTime":1998.2400620000112,"endTime":1998.3800615000112,"body":"look"},{"speaker":"Miller","startTime":1998.3800625000113,"endTime":1998.4600625000112,"body":"at"},{"speaker":"Miller","startTime":1998.4600625000112,"endTime":1998.8900625000113,"body":"everything."},{"speaker":"Miller","startTime":1998.8900625000113,"endTime":1999.0800625000113,"body":"Is"},{"speaker":"Miller","startTime":1999.0800625000113,"endTime":1999.2400620000112,"body":"your"},{"speaker":"Miller","startTime":1999.2400620000112,"endTime":1999.5900615000112,"body":"credit"},{"speaker":"Miller","startTime":1999.5900625000113,"endTime":1999.8900625000113,"body":"risk"},{"speaker":"Miller","startTime":1999.9600625000112,"endTime":2000.5700625000113,"body":"management"},{"speaker":"Miller","startTime":2001.2000615000113,"endTime":2001.4700615000113,"body":"where"},{"speaker":"Miller","startTime":2001.4700625000114,"endTime":2001.6100625000113,"body":"it"},{"speaker":"Miller","startTime":2001.6100625000113,"endTime":2001.9300625000112,"body":"needs"},{"speaker":"Miller","startTime":2001.9300625000112,"endTime":2002.0700620000114,"body":"to"},{"speaker":"Miller","startTime":2002.0700620000114,"endTime":2002.0900615000114,"body":"be?"},{"speaker":"Miller","startTime":2002.1800625000112,"endTime":2002.5300620000114,"body":"Have"},{"speaker":"Miller","startTime":2002.5300620000114,"endTime":2002.7100615000113,"body":"we"},{"speaker":"Miller","startTime":2002.7100625000114,"endTime":2003.3000625000113,"body":"assessed"},{"speaker":"Miller","startTime":2003.3000625000113,"endTime":2003.5000625000114,"body":"how"},{"speaker":"Miller","startTime":2003.5000625000114,"endTime":2003.7000620000113,"body":"this"},{"speaker":"Miller","startTime":2003.7000620000113,"endTime":2004.1400615000114,"body":"changing"},{"speaker":"Miller","startTime":2004.1400625000113,"endTime":2004.8000625000113,"body":"marketplace"},{"speaker":"Miller","startTime":2004.8500625000113,"endTime":2005.4100625000112,"body":"might"},{"speaker":"Miller","startTime":2005.4500615000113,"endTime":2005.9400615000113,"body":"impact"},{"speaker":"Miller","startTime":2005.9700625000114,"endTime":2006.1500625000112,"body":"your"},{"speaker":"Miller","startTime":2006.1500625000112,"endTime":2006.6700625000112,"body":"liquidity"},{"speaker":"Miller","startTime":2006.6800615000113,"endTime":2007.0100615000113,"body":"risk"},{"speaker":"Miller","startTime":2007.3100625000113,"endTime":2007.4600625000114,"body":"and"},{"speaker":"Miller","startTime":2007.4600625000114,"endTime":2007.7800620000114,"body":"credit"},{"speaker":"Miller","startTime":2007.7800620000114,"endTime":2008.0000615000113,"body":"risk"},{"speaker":"Miller","startTime":2008.0200615000113,"endTime":2008.2500615000113,"body":"down"},{"speaker":"Miller","startTime":2008.2500635000113,"endTime":2008.3700630000114,"body":"the"},{"speaker":"Miller","startTime":2008.3700630000114,"endTime":2008.7200625000114,"body":"road?"},{"speaker":"Miller","startTime":2009.3100625000113,"endTime":2009.8900625000113,"body":"So"},{"speaker":"Miller","startTime":2011.1200625000113,"endTime":2011.6400625000113,"body":"continue"},{"speaker":"Miller","startTime":2011.6400625000113,"endTime":2011.9700625000114,"body":"doing"},{"speaker":"Miller","startTime":2011.9700625000114,"endTime":2012.1100625000113,"body":"what"},{"speaker":"Miller","startTime":2012.1100625000113,"endTime":2012.2600625000114,"body":"you're"},{"speaker":"Miller","startTime":2012.2600625000114,"endTime":2012.6200625000113,"body":"doing."},{"speaker":"Miller","startTime":2012.6200625000113,"endTime":2012.7800625000114,"body":"If"},{"speaker":"Miller","startTime":2012.7900625000113,"endTime":2012.9600625000114,"body":"you"},{"speaker":"Miller","startTime":2012.9600625000114,"endTime":2013.3200625000113,"body":"have"},{"speaker":"Miller","startTime":2013.3300625000113,"endTime":2013.5300625000114,"body":"good"},{"speaker":"Miller","startTime":2013.5300625000114,"endTime":2014.1400625000113,"body":"practices"},{"speaker":"Miller","startTime":2014.1400625000113,"endTime":2014.2900625000113,"body":"in"},{"speaker":"Miller","startTime":2014.2900625000113,"endTime":2014.6500625000112,"body":"place,"},{"speaker":"Miller","startTime":2014.6500625000112,"endTime":2014.7700625000114,"body":"you"},{"speaker":"Miller","startTime":2014.7700625000114,"endTime":2014.9900625000114,"body":"should"},{"speaker":"Miller","startTime":2015.0000625000114,"endTime":2015.1100625000113,"body":"be"},{"speaker":"Miller","startTime":2015.1100625000113,"endTime":2015.3900625000113,"body":"fine."},{"speaker":"Treichel","startTime":2016.9700625000112,"endTime":2017.1700625000112,"body":"No,"},{"speaker":"Treichel","startTime":2017.1700625000112,"endTime":2017.3400625000113,"body":"that"},{"speaker":"Treichel","startTime":2017.3400625000113,"endTime":2017.4600625000112,"body":"all"},{"speaker":"Treichel","startTime":2017.4600625000112,"endTime":2017.7300625000114,"body":"makes"},{"speaker":"Treichel","startTime":2017.7300625000114,"endTime":2017.9500625000112,"body":"good"},{"speaker":"Treichel","startTime":2017.9500625000112,"endTime":2018.3500625000113,"body":"sense."},{"speaker":"Treichel","startTime":2018.3500625000113,"endTime":2018.4800625000114,"body":"And"},{"speaker":"Treichel","startTime":2018.5400625000113,"endTime":2018.6900625000112,"body":"you"},{"speaker":"Treichel","startTime":2018.6900625000112,"endTime":2018.9800625000114,"body":"talked"},{"speaker":"Treichel","startTime":2018.9800625000114,"endTime":2019.2500625000114,"body":"about,"},{"speaker":"Treichel","startTime":2019.2500625000114,"endTime":2019.5700625000113,"body":"so"},{"speaker":"Treichel","startTime":2019.7500625000114,"endTime":2020.0600625000113,"body":"someone"},{"speaker":"Treichel","startTime":2020.0600625000113,"endTime":2020.2500625000114,"body":"who's"},{"speaker":"Treichel","startTime":2020.2500625000114,"endTime":2020.6300625000113,"body":"offering"},{"speaker":"Treichel","startTime":2020.6300625000113,"endTime":2020.9400625000112,"body":"fixed"},{"speaker":"Treichel","startTime":2020.9400625000112,"endTime":2021.2000625000112,"body":"rate."},{"speaker":"Treichel","startTime":2021.6850625000113,"endTime":2021.9350625000113,"body":"Real"},{"speaker":"Treichel","startTime":2021.9350625000113,"endTime":2022.2550625000113,"body":"estate"},{"speaker":"Treichel","startTime":2022.2550625000113,"endTime":2022.5750625000112,"body":"loans."},{"speaker":"Treichel","startTime":2022.5750625000112,"endTime":2022.7150625000113,"body":"And"},{"speaker":"Treichel","startTime":2022.7150625000113,"endTime":2022.8750625000112,"body":"that"},{"speaker":"Treichel","startTime":2022.8750625000112,"endTime":2023.0050625000113,"body":"may"},{"speaker":"Treichel","startTime":2023.0050625000113,"endTime":2023.1350625000111,"body":"have"},{"speaker":"Treichel","startTime":2023.1350625000111,"endTime":2023.3750625000112,"body":"played"},{"speaker":"Treichel","startTime":2023.3750625000112,"endTime":2023.4450625000113,"body":"a"},{"speaker":"Treichel","startTime":2023.4450625000113,"endTime":2023.9250625000113,"body":"role."},{"speaker":"Treichel","startTime":2024.1250625000112,"endTime":2024.3250625000112,"body":"You"},{"speaker":"Treichel","startTime":2024.3250625000112,"endTime":2024.4850625000113,"body":"can"},{"speaker":"Treichel","startTime":2024.4850625000113,"endTime":2024.7950625000112,"body":"tweak"},{"speaker":"Treichel","startTime":2024.7950625000112,"endTime":2025.0050625000113,"body":"what"},{"speaker":"Treichel","startTime":2025.0050625000113,"endTime":2025.1250625000112,"body":"you're"},{"speaker":"Treichel","startTime":2025.1250625000112,"endTime":2025.4350625000113,"body":"putting"},{"speaker":"Treichel","startTime":2025.4350625000113,"endTime":2025.5650625000112,"body":"on"},{"speaker":"Treichel","startTime":2025.5650625000112,"endTime":2025.6550625000114,"body":"the"},{"speaker":"Treichel","startTime":2025.6550625000114,"endTime":2025.9350625000113,"body":"books"},{"speaker":"Treichel","startTime":2025.9550625000113,"endTime":2026.2450625000113,"body":"moving"},{"speaker":"Treichel","startTime":2026.2450625000113,"endTime":2026.7750625000112,"body":"forward."},{"speaker":"Treichel","startTime":2027.0350625000112,"endTime":2027.3550625000112,"body":"Same"},{"speaker":"Treichel","startTime":2027.3550625000112,"endTime":2027.5150625000113,"body":"as"},{"speaker":"Treichel","startTime":2027.5150625000113,"endTime":2027.9850625000113,"body":"tweaking"},{"speaker":"Treichel","startTime":2027.9850625000113,"endTime":2028.1450625000111,"body":"what"},{"speaker":"Treichel","startTime":2028.1450625000111,"endTime":2028.2550625000113,"body":"it"},{"speaker":"Treichel","startTime":2028.2550625000113,"endTime":2028.4250625000113,"body":"is"},{"speaker":"Treichel","startTime":2028.4250625000113,"endTime":2028.5050625000113,"body":"that"},{"speaker":"Treichel","startTime":2028.5150625000113,"endTime":2028.6650625000113,"body":"you're"},{"speaker":"Treichel","startTime":2028.6650625000113,"endTime":2028.9550625000113,"body":"putting"},{"speaker":"Treichel","startTime":2028.9750625000113,"endTime":2029.3650625000112,"body":"on"},{"speaker":"Treichel","startTime":2029.5650625000112,"endTime":2029.7250625000113,"body":"the"},{"speaker":"Treichel","startTime":2029.7250625000113,"endTime":2029.9450625000113,"body":"rest"},{"speaker":"Treichel","startTime":2029.9450625000113,"endTime":2030.0550625000112,"body":"of"},{"speaker":"Treichel","startTime":2030.0550625000112,"endTime":2030.1950625000113,"body":"your"},{"speaker":"Treichel","startTime":2030.1950625000113,"endTime":2030.6050625000112,"body":"assets."},{"speaker":"Treichel","startTime":2030.6050625000112,"endTime":2030.7250625000113,"body":"You"},{"speaker":"Treichel","startTime":2030.7250625000113,"endTime":2031.0750625000112,"body":"mentioned"},{"speaker":"Treichel","startTime":2031.0750625000112,"endTime":2031.3150625000112,"body":"credit"},{"speaker":"Treichel","startTime":2031.3250625000112,"endTime":2031.6350625000111,"body":"unions"},{"speaker":"Treichel","startTime":2031.6750625000113,"endTime":2031.8550625000112,"body":"that"},{"speaker":"Treichel","startTime":2031.8550625000112,"endTime":2032.1150625000112,"body":"rely"},{"speaker":"Treichel","startTime":2032.1150625000112,"endTime":2032.5750625000112,"body":"heavily"},{"speaker":"Treichel","startTime":2032.6550625000114,"endTime":2032.8850625000111,"body":"on"},{"speaker":"Treichel","startTime":2032.8950625000111,"endTime":2032.9850625000113,"body":"the"},{"speaker":"Treichel","startTime":2032.9850625000113,"endTime":2033.4350625000113,"body":"investment"},{"speaker":"Treichel","startTime":2033.4350625000113,"endTime":2034.3450625000112,"body":"portfolios."},{"speaker":"Treichel","startTime":2034.7550625000113,"endTime":2034.965062500011,"body":"You"},{"speaker":"Treichel","startTime":2035.0350615000111,"endTime":2035.5250615000111,"body":"obviously,"},{"speaker":"Treichel","startTime":2035.5250625000112,"endTime":2035.6250625000112,"body":"if"},{"speaker":"Treichel","startTime":2035.6250625000112,"endTime":2035.725062500011,"body":"they"},{"speaker":"Treichel","startTime":2035.725062500011,"endTime":2035.925062500011,"body":"want"},{"speaker":"Treichel","startTime":2035.925062500011,"endTime":2035.9850625000113,"body":"to"},{"speaker":"Treichel","startTime":2035.9950615000112,"endTime":2036.2250615000112,"body":"hold"},{"speaker":"Treichel","startTime":2036.225062500011,"endTime":2036.3950625000111,"body":"what"},{"speaker":"Treichel","startTime":2036.3950625000111,"endTime":2036.5950625000112,"body":"they've"},{"speaker":"Treichel","startTime":2036.5950625000112,"endTime":2036.8050625000112,"body":"got"},{"speaker":"Treichel","startTime":2036.8150625000112,"endTime":2037.1150625000112,"body":"to,"},{"speaker":"Treichel","startTime":2037.1450625000111,"endTime":2037.3150625000112,"body":"they've"},{"speaker":"Treichel","startTime":2037.3150625000112,"endTime":2037.4550620000111,"body":"got"},{"speaker":"Treichel","startTime":2037.4550620000111,"endTime":2037.5050615000112,"body":"to"},{"speaker":"Treichel","startTime":2037.5050625000113,"endTime":2037.7550625000113,"body":"let"},{"speaker":"Treichel","startTime":2037.7550625000113,"endTime":2037.985062000011,"body":"that"},{"speaker":"Treichel","startTime":2037.985062000011,"endTime":2038.2650615000111,"body":"play"},{"speaker":"Treichel","startTime":2038.2650625000113,"endTime":2038.4850625000113,"body":"out,"},{"speaker":"Treichel","startTime":2038.5050625000113,"endTime":2038.6550620000112,"body":"but"},{"speaker":"Treichel","startTime":2038.6550620000112,"endTime":2038.7950615000111,"body":"they"},{"speaker":"Treichel","startTime":2038.795063500011,"endTime":2038.965062500011,"body":"can"},{"speaker":"Treichel","startTime":2038.965062500011,"endTime":2039.325061500011,"body":"change"},{"speaker":"Treichel","startTime":2039.325061500011,"endTime":2039.5050615000112,"body":"what"},{"speaker":"Treichel","startTime":2039.5050625000113,"endTime":2039.6150625000112,"body":"it"},{"speaker":"Treichel","startTime":2039.6150625000112,"endTime":2039.8150620000113,"body":"is"},{"speaker":"Treichel","startTime":2039.8150620000113,"endTime":2040.055061500011,"body":"they're"},{"speaker":"Treichel","startTime":2040.0850625000112,"endTime":2040.4850625000113,"body":"adding"},{"speaker":"Treichel","startTime":2040.5050625000113,"endTime":2040.8350625000112,"body":"to"},{"speaker":"Treichel","startTime":2040.925062500011,"endTime":2041.1450625000111,"body":"their"},{"speaker":"Treichel","startTime":2041.1450625000111,"endTime":2041.5950625000112,"body":"book."},{"speaker":"Treichel","startTime":2041.8650625000112,"endTime":2041.975062500011,"body":"I"},{"speaker":"Treichel","startTime":2041.975062500011,"endTime":2042.1150625000112,"body":"know"},{"speaker":"Treichel","startTime":2042.1150625000112,"endTime":2042.3250625000112,"body":"one"},{"speaker":"Treichel","startTime":2042.3250625000112,"endTime":2042.4150625000111,"body":"of"},{"speaker":"Treichel","startTime":2042.4150625000111,"endTime":2042.5450625000112,"body":"the"},{"speaker":"Treichel","startTime":2042.5550625000112,"endTime":2043.0150625000113,"body":"things."},{"speaker":"Treichel","startTime":2043.3550625000112,"endTime":2043.5250625000112,"body":"You"},{"speaker":"Treichel","startTime":2043.5250625000112,"endTime":2043.6250625000112,"body":"and"},{"speaker":"Treichel","startTime":2043.6250625000112,"endTime":2043.7450625000113,"body":"I,"},{"speaker":"Treichel","startTime":2043.7450625000113,"endTime":2043.9850625000113,"body":"again,"},{"speaker":"Treichel","startTime":2044.0050625000113,"endTime":2044.1450625000111,"body":"have"},{"speaker":"Treichel","startTime":2044.1750625000113,"endTime":2044.4550625000113,"body":"talked"},{"speaker":"Treichel","startTime":2044.4550625000113,"endTime":2044.8850625000111,"body":"about,"},{"speaker":"Treichel","startTime":2046.5450625000115,"endTime":2046.7550625000113,"body":"so"},{"speaker":"Treichel","startTime":2046.7550625000113,"endTime":2047.0050625000113,"body":"one"},{"speaker":"Treichel","startTime":2047.0050625000113,"endTime":2047.7750625000112,"body":"scenario,"},{"speaker":"Treichel","startTime":2049.0550625000114,"endTime":2049.355062500011,"body":"one"},{"speaker":"Treichel","startTime":2049.355062500011,"endTime":2049.435062500011,"body":"of"},{"speaker":"Treichel","startTime":2049.435062500011,"endTime":2049.5050625000113,"body":"the"},{"speaker":"Treichel","startTime":2049.5050625000113,"endTime":2049.8250625000114,"body":"things"},{"speaker":"Treichel","startTime":2049.8250625000114,"endTime":2049.975062500011,"body":"that"},{"speaker":"Treichel","startTime":2049.975062500011,"endTime":2050.4850625000113,"body":"drives"},{"speaker":"Treichel","startTime":2050.4850625000113,"endTime":2050.745062500011,"body":"this"},{"speaker":"Treichel","startTime":2050.765062500011,"endTime":2050.935062500011,"body":"is"},{"speaker":"Treichel","startTime":2050.935062500011,"endTime":2051.1350625000114,"body":"if"},{"speaker":"Treichel","startTime":2051.1350625000114,"endTime":2051.315062500011,"body":"your"},{"speaker":"Treichel","startTime":2051.315062500011,"endTime":2052.0950625000114,"body":"liabilities"},{"speaker":"Treichel","startTime":2052.0950625000114,"endTime":2052.185062500011,"body":"are"},{"speaker":"Treichel","startTime":2052.185062500011,"endTime":2052.7850625000115,"body":"mostly"},{"speaker":"Treichel","startTime":2052.825061500011,"endTime":2053.385061500011,"body":"in"},{"speaker":"Treichel","startTime":2053.395062500011,"endTime":2053.6150625000114,"body":"the"},{"speaker":"Treichel","startTime":2053.6150625000114,"endTime":2053.8450625000114,"body":"core"},{"speaker":"Treichel","startTime":2053.8450625000114,"endTime":2054.4450625000113,"body":"deposits,"},{"speaker":"Treichel","startTime":2054.455061500011,"endTime":2054.5650615000113,"body":"the"},{"speaker":"Treichel","startTime":2054.565062500011,"endTime":2055.065062500011,"body":"share,"},{"speaker":"Treichel","startTime":2055.105062500011,"endTime":2055.225062500011,"body":"the"},{"speaker":"Treichel","startTime":2055.2350625000113,"endTime":2055.605062500011,"body":"regular"},{"speaker":"Treichel","startTime":2055.605062500011,"endTime":2055.8250620000113,"body":"share"},{"speaker":"Treichel","startTime":2055.8250620000113,"endTime":2056.3350615000113,"body":"deposits"},{"speaker":"Treichel","startTime":2056.335062500011,"endTime":2056.4850625000113,"body":"that"},{"speaker":"Treichel","startTime":2056.495061500011,"endTime":2056.7550615000114,"body":"have"},{"speaker":"Treichel","startTime":2056.7550625000113,"endTime":2056.9550620000114,"body":"no"},{"speaker":"Treichel","startTime":2056.9550620000114,"endTime":2057.3750615000113,"body":"term."},{"speaker":"Treichel","startTime":2058.185061500011,"endTime":2058.435061500011,"body":"You"},{"speaker":"Treichel","startTime":2058.435061500011,"endTime":2058.685061500011,"body":"can"},{"speaker":"Treichel","startTime":2058.685061500011,"endTime":2058.975061500011,"body":"try"},{"speaker":"Treichel","startTime":2058.975061500011,"endTime":2059.075061500011,"body":"and"},{"speaker":"Treichel","startTime":2059.0750625000114,"endTime":2059.585062500011,"body":"attract"},{"speaker":"Treichel","startTime":2059.585062500011,"endTime":2059.725062500011,"body":"and"},{"speaker":"Treichel","startTime":2059.7350625000113,"endTime":2060.1750625000113,"body":"move"},{"speaker":"Treichel","startTime":2060.185061500011,"endTime":2060.4650615000114,"body":"that"},{"speaker":"Treichel","startTime":2060.4650615000114,"endTime":2060.8150615000113,"body":"money"},{"speaker":"Treichel","startTime":2060.815062500011,"endTime":2061.0350625000115,"body":"by"},{"speaker":"Treichel","startTime":2061.045062500011,"endTime":2061.565062500011,"body":"creating"},{"speaker":"Treichel","startTime":2061.565063500011,"endTime":2062.0750635000113,"body":"rates"},{"speaker":"Treichel","startTime":2062.1350625000114,"endTime":2062.455062500011,"body":"that"},{"speaker":"Treichel","startTime":2062.4850615000114,"endTime":2062.805061500011,"body":"might"},{"speaker":"Treichel","startTime":2062.815063500011,"endTime":2063.0750635000113,"body":"help"},{"speaker":"Treichel","startTime":2063.0850615000113,"endTime":2063.305061500011,"body":"move"},{"speaker":"Treichel","startTime":2063.315063500011,"endTime":2063.565063500011,"body":"that"},{"speaker":"Treichel","startTime":2063.5750625000114,"endTime":2063.875062500011,"body":"money,"},{"speaker":"Treichel","startTime":2063.875062500011,"endTime":2064.0750625000114,"body":"but"},{"speaker":"Treichel","startTime":2064.095061500011,"endTime":2064.285061500011,"body":"it"},{"speaker":"Treichel","startTime":2064.2850625000115,"endTime":2064.665062500011,"body":"really"},{"speaker":"Treichel","startTime":2064.705062500011,"endTime":2065.205062500011,"body":"relies"},{"speaker":"Treichel","startTime":2065.205062500011,"endTime":2065.355062500011,"body":"on"},{"speaker":"Treichel","startTime":2065.355062500011,"endTime":2065.585062500011,"body":"what"},{"speaker":"Treichel","startTime":2065.585062500011,"endTime":2065.7350625000113,"body":"your"},{"speaker":"Treichel","startTime":2065.745062500011,"endTime":2066.1350625000114,"body":"members"},{"speaker":"Treichel","startTime":2066.1350625000114,"endTime":2066.2150625000113,"body":"are"},{"speaker":"Treichel","startTime":2066.2150625000113,"endTime":2066.5250625000112,"body":"willing"},{"speaker":"Treichel","startTime":2066.5250625000112,"endTime":2066.625062500011,"body":"to"},{"speaker":"Treichel","startTime":2066.625062500011,"endTime":2066.835062500011,"body":"do."},{"speaker":"Treichel","startTime":2066.835062500011,"endTime":2067.0050625000113,"body":"And"},{"speaker":"Treichel","startTime":2067.0050625000113,"endTime":2067.1150625000114,"body":"then"},{"speaker":"Treichel","startTime":2067.1150625000114,"endTime":2067.2150625000113,"body":"it"},{"speaker":"Treichel","startTime":2067.2150625000113,"endTime":2067.5350625000115,"body":"also"},{"speaker":"Treichel","startTime":2067.5350625000115,"endTime":2067.8050625000114,"body":"has"},{"speaker":"Treichel","startTime":2067.995062500011,"endTime":2068.1550625000114,"body":"an"},{"speaker":"Treichel","startTime":2068.1550625000114,"endTime":2068.645062500011,"body":"impact"},{"speaker":"Treichel","startTime":2068.645062500011,"endTime":2068.7850625000115,"body":"on"},{"speaker":"Treichel","startTime":2068.7850625000115,"endTime":2068.895062500011,"body":"the"},{"speaker":"Treichel","startTime":2068.895062500011,"endTime":2069.2350625000113,"body":"bottom"},{"speaker":"Treichel","startTime":2069.2350625000113,"endTime":2069.585062500011,"body":"line."},{"speaker":"Treichel","startTime":2069.8850625000114,"endTime":2070.0050625000113,"body":"The"},{"speaker":"Treichel","startTime":2070.0050625000113,"endTime":2070.165062500011,"body":"other"},{"speaker":"Treichel","startTime":2070.165062500011,"endTime":2070.3050625000114,"body":"thing"},{"speaker":"Treichel","startTime":2070.3050625000114,"endTime":2070.395062500011,"body":"you"},{"speaker":"Treichel","startTime":2070.395062500011,"endTime":2070.5150625000115,"body":"can"},{"speaker":"Treichel","startTime":2070.5150625000115,"endTime":2070.6750625000113,"body":"do"},{"speaker":"Treichel","startTime":2070.6750625000113,"endTime":2070.9450625000113,"body":"is,"},{"speaker":"Treichel","startTime":2071.685062500011,"endTime":2071.905062500011,"body":"You"},{"speaker":"Treichel","startTime":2071.905062500011,"endTime":2072.2350625000113,"body":"can,"},{"speaker":"Treichel","startTime":2072.265062500011,"endTime":2072.435062500011,"body":"you"},{"speaker":"Treichel","startTime":2072.435062500011,"endTime":2072.565062500011,"body":"can"},{"speaker":"Treichel","startTime":2072.565062500011,"endTime":2072.835062500011,"body":"start"},{"speaker":"Treichel","startTime":2072.835062500011,"endTime":2073.345062500011,"body":"borrowing"},{"speaker":"Treichel","startTime":2073.345062500011,"endTime":2073.655062500011,"body":"longer"},{"speaker":"Treichel","startTime":2073.655062500011,"endTime":2073.935062500011,"body":"term"},{"speaker":"Treichel","startTime":2073.935062500011,"endTime":2074.0250625000112,"body":"to"},{"speaker":"Treichel","startTime":2074.0250625000112,"endTime":2074.285062500011,"body":"make"},{"speaker":"Treichel","startTime":2074.295062500011,"endTime":2074.555062500011,"body":"your"},{"speaker":"Treichel","startTime":2074.565062500011,"endTime":2074.9250625000113,"body":"numbers"},{"speaker":"Treichel","startTime":2074.9250625000113,"endTime":2075.105062500011,"body":"come"},{"speaker":"Treichel","startTime":2075.105062500011,"endTime":2075.225062500011,"body":"out"},{"speaker":"Treichel","startTime":2075.225062500011,"endTime":2075.265062500011,"body":"a"},{"speaker":"Treichel","startTime":2075.265062500011,"endTime":2075.4450625000113,"body":"little"},{"speaker":"Treichel","startTime":2075.4450625000113,"endTime":2075.645062500011,"body":"bit"},{"speaker":"Treichel","startTime":2075.655062500011,"endTime":2075.995062500011,"body":"better."},{"speaker":"Treichel","startTime":2076.325062500011,"endTime":2076.575062500011,"body":"Any"},{"speaker":"Treichel","startTime":2076.575062500011,"endTime":2076.935062500011,"body":"thoughts"},{"speaker":"Treichel","startTime":2076.935062500011,"endTime":2077.475062500011,"body":"relative"},{"speaker":"Treichel","startTime":2077.475062500011,"endTime":2077.595062500011,"body":"to"},{"speaker":"Treichel","startTime":2077.595062500011,"endTime":2078.015062500011,"body":"anything"},{"speaker":"Treichel","startTime":2078.015062500011,"endTime":2078.125062500011,"body":"I"},{"speaker":"Treichel","startTime":2078.145062500011,"endTime":2078.335062500011,"body":"just"},{"speaker":"Treichel","startTime":2078.335062500011,"endTime":2078.625062500011,"body":"threw"},{"speaker":"Treichel","startTime":2078.625062500011,"endTime":2078.7750625000112,"body":"out"},{"speaker":"Treichel","startTime":2078.7750625000112,"endTime":2078.885062500011,"body":"on"},{"speaker":"Treichel","startTime":2078.885062500011,"endTime":2078.9850625000113,"body":"the"},{"speaker":"Treichel","startTime":2078.9850625000113,"endTime":2079.265062500011,"body":"table"},{"speaker":"Treichel","startTime":2079.265062500011,"endTime":2079.4450625000113,"body":"there"},{"speaker":"Treichel","startTime":2079.4450625000113,"endTime":2079.565062500011,"body":"on"},{"speaker":"Treichel","startTime":2079.645062500011,"endTime":2079.915062500011,"body":"what"},{"speaker":"Treichel","startTime":2079.935062500011,"endTime":2080.215062000011,"body":"might"},{"speaker":"Treichel","startTime":2080.215062000011,"endTime":2080.4150615000112,"body":"make"},{"speaker":"Treichel","startTime":2080.415062500011,"endTime":2080.715062000011,"body":"sense,"},{"speaker":"Treichel","startTime":2080.715062000011,"endTime":2080.885061500011,"body":"what"},{"speaker":"Treichel","startTime":2080.885061500011,"endTime":2081.185061500011,"body":"doesn't"},{"speaker":"Treichel","startTime":2081.185062500011,"endTime":2081.415062500011,"body":"make"},{"speaker":"Treichel","startTime":2081.415062500011,"endTime":2081.795062500011,"body":"sense,"},{"speaker":"Treichel","startTime":2081.795062500011,"endTime":2081.9850625000113,"body":"what"},{"speaker":"Treichel","startTime":2081.9850625000113,"endTime":2082.305062500011,"body":"thing"},{"speaker":"Treichel","startTime":2082.375062500011,"endTime":2082.675062000011,"body":"credit"},{"speaker":"Treichel","startTime":2082.675062000011,"endTime":2083.015061500011,"body":"unions"},{"speaker":"Treichel","startTime":2083.015062500011,"endTime":2083.205062500011,"body":"could"},{"speaker":"Treichel","startTime":2083.375062500011,"endTime":2084.015062500011,"body":"consider"},{"speaker":"Treichel","startTime":2084.175061500011,"endTime":2084.385061500011,"body":"when"},{"speaker":"Treichel","startTime":2084.385061500011,"endTime":2084.505061500011,"body":"they're"},{"speaker":"Treichel","startTime":2084.505061500011,"endTime":2084.775061500011,"body":"looking"},{"speaker":"Treichel","startTime":2084.7750625000112,"endTime":2084.935062500011,"body":"at"},{"speaker":"Treichel","startTime":2084.935062500011,"endTime":2085.2750625000112,"body":"different"},{"speaker":"Treichel","startTime":2085.285062500011,"endTime":2085.715062000011,"body":"levers"},{"speaker":"Treichel","startTime":2085.715062000011,"endTime":2085.8950615000113,"body":"that"},{"speaker":"Treichel","startTime":2085.895062500011,"endTime":2086.0250625000112,"body":"they"},{"speaker":"Treichel","startTime":2086.0250625000112,"endTime":2086.2350625000113,"body":"can"},{"speaker":"Treichel","startTime":2086.2350625000113,"endTime":2086.7150625000113,"body":"pull"},{"speaker":"Treichel","startTime":2086.7350625000113,"endTime":2087.5050625000113,"body":"to."},{"speaker":"Treichel","startTime":2088.080062500011,"endTime":2088.640062500011,"body":"Reduce"},{"speaker":"Treichel","startTime":2088.640062500011,"endTime":2088.850062500011,"body":"their"},{"speaker":"Miller","startTime":2088.850062500011,"endTime":2089.3200625000113,"body":"overall"},{"speaker":"Miller","startTime":2089.3200625000113,"endTime":2089.670062500011,"body":"risk."},{"speaker":"Miller","startTime":2090.5600625000116,"endTime":2090.7200625000114,"body":"You"},{"speaker":"Miller","startTime":2090.7200625000114,"endTime":2090.9000625000112,"body":"can"},{"speaker":"Miller","startTime":2090.9000625000112,"endTime":2091.1300625000113,"body":"pull"},{"speaker":"Miller","startTime":2091.1600625000115,"endTime":2091.3600625000113,"body":"all"},{"speaker":"Miller","startTime":2091.3600625000113,"endTime":2091.6100625000113,"body":"those"},{"speaker":"Miller","startTime":2091.6100625000113,"endTime":2092.1000625000115,"body":"levers,"},{"speaker":"Miller","startTime":2092.1000625000115,"endTime":2092.3000625000113,"body":"just"},{"speaker":"Miller","startTime":2092.3000625000113,"endTime":2092.940062500011,"body":"recognizing"},{"speaker":"Miller","startTime":2092.940062500011,"endTime":2093.1400625000115,"body":"there's"},{"speaker":"Miller","startTime":2093.1500625000112,"endTime":2093.3600625000113,"body":"going"},{"speaker":"Miller","startTime":2093.3600625000113,"endTime":2093.4500625000114,"body":"to"},{"speaker":"Miller","startTime":2093.460062500011,"endTime":2093.5900625000113,"body":"be"},{"speaker":"Miller","startTime":2093.5900625000113,"endTime":2093.6500625000112,"body":"a"},{"speaker":"Miller","startTime":2093.6500625000112,"endTime":2094.0500625000113,"body":"cost"},{"speaker":"Miller","startTime":2094.0600625000116,"endTime":2094.1500625000112,"body":"to"},{"speaker":"Miller","startTime":2094.1500625000112,"endTime":2094.4000625000112,"body":"them."},{"speaker":"Miller","startTime":2094.960062500011,"endTime":2095.5100625000114,"body":"And"},{"speaker":"Miller","startTime":2095.540062500011,"endTime":2095.710062500011,"body":"like"},{"speaker":"Miller","startTime":2095.710062500011,"endTime":2095.7200625000114,"body":"I"},{"speaker":"Miller","startTime":2095.810062500011,"endTime":2096.0300625000114,"body":"said,"},{"speaker":"Miller","startTime":2096.0500625000113,"endTime":2096.290062500011,"body":"one"},{"speaker":"Miller","startTime":2096.290062500011,"endTime":2096.3900625000115,"body":"of"},{"speaker":"Miller","startTime":2096.3900625000115,"endTime":2096.500062500011,"body":"the"},{"speaker":"Miller","startTime":2096.5100625000114,"endTime":2096.790062500011,"body":"things"},{"speaker":"Miller","startTime":2096.790062500011,"endTime":2096.9500625000114,"body":"that's"},{"speaker":"Miller","startTime":2096.960062500011,"endTime":2097.3500625000115,"body":"somewhat"},{"speaker":"Miller","startTime":2097.390061500011,"endTime":2098.060061500011,"body":"interesting"},{"speaker":"Miller","startTime":2098.060061500011,"endTime":2098.2900615000112,"body":"is"},{"speaker":"Miller","startTime":2098.680061500011,"endTime":2099.1500615000114,"body":"credeans"},{"speaker":"Miller","startTime":2099.1500625000112,"endTime":2099.290062500011,"body":"are"},{"speaker":"Miller","startTime":2099.290062500011,"endTime":2099.7800625000114,"body":"getting"},{"speaker":"Miller","startTime":2099.8000625000113,"endTime":2100.6800625000114,"body":"increasingly"},{"speaker":"Miller","startTime":2100.710062500011,"endTime":2101.4700625000114,"body":"competitive"},{"speaker":"Miller","startTime":2101.480062500011,"endTime":2101.670062500011,"body":"for"},{"speaker":"Miller","startTime":2101.670062500011,"endTime":2102.1500625000112,"body":"loans,"},{"speaker":"Miller","startTime":2102.1600625000115,"endTime":2102.4100625000115,"body":"even"},{"speaker":"Miller","startTime":2102.4100625000115,"endTime":2102.5500625000113,"body":"though"},{"speaker":"Miller","startTime":2102.5500625000113,"endTime":2102.9700620000112,"body":"interest"},{"speaker":"Miller","startTime":2102.9700620000112,"endTime":2103.2300615000113,"body":"rates"},{"speaker":"Miller","startTime":2103.230062500011,"endTime":2103.300062000011,"body":"are"},{"speaker":"Miller","startTime":2103.300062000011,"endTime":2103.560061500011,"body":"going"},{"speaker":"Miller","startTime":2103.560061500011,"endTime":2103.7800615000115,"body":"up,"},{"speaker":"Miller","startTime":2104.4400615000113,"endTime":2105.010061500011,"body":"yield"},{"speaker":"Miller","startTime":2105.0100625000114,"endTime":2105.290062500011,"body":"on"},{"speaker":"Miller","startTime":2105.300061500011,"endTime":2105.800061500011,"body":"loans"},{"speaker":"Miller","startTime":2105.800061500011,"endTime":2106.220061500011,"body":"across"},{"speaker":"Miller","startTime":2106.220061500011,"endTime":2106.350061500011,"body":"the"},{"speaker":"Miller","startTime":2106.350062500011,"endTime":2106.8100620000114,"body":"industry"},{"speaker":"Miller","startTime":2106.8100620000114,"endTime":2106.9600615000113,"body":"is"},{"speaker":"Miller","startTime":2106.970061500011,"endTime":2107.300061500011,"body":"coming"},{"speaker":"Miller","startTime":2107.300061500011,"endTime":2107.620061500011,"body":"down"},{"speaker":"Miller","startTime":2107.970061500011,"endTime":2108.080061500011,"body":"because"},{"speaker":"Miller","startTime":2108.250062500011,"endTime":2108.390062500011,"body":"they're"},{"speaker":"Miller","startTime":2108.430062500011,"endTime":2108.6500625000112,"body":"just"},{"speaker":"Miller","startTime":2108.7200625000114,"endTime":2109.080062500011,"body":"fighting"},{"speaker":"Miller","startTime":2109.080062500011,"endTime":2109.3200625000113,"body":"with"},{"speaker":"Miller","startTime":2109.7800625000114,"endTime":2109.910062500011,"body":"the"},{"speaker":"Miller","startTime":2109.910062500011,"endTime":2110.350062500011,"body":"banks,"},{"speaker":"Miller","startTime":2110.350062500011,"endTime":2110.620062500011,"body":"credit"},{"speaker":"Miller","startTime":2110.6300625000113,"endTime":2111.3400625000113,"body":"unions."},{"speaker":"Miller","startTime":2111.960062500011,"endTime":2112.480062500011,"body":"Internet"},{"speaker":"Miller","startTime":2112.480062500011,"endTime":2113.1400625000115,"body":"lenders"},{"speaker":"Miller","startTime":2113.440062500011,"endTime":2113.5300625000114,"body":"are"},{"speaker":"Miller","startTime":2113.5300625000114,"endTime":2113.8100625000116,"body":"fighting"},{"speaker":"Miller","startTime":2113.8100625000116,"endTime":2113.960062500011,"body":"with"},{"speaker":"Miller","startTime":2113.980062500011,"endTime":2114.5300625000114,"body":"everybody"},{"speaker":"Miller","startTime":2114.5300625000114,"endTime":2114.730062500011,"body":"for"},{"speaker":"Miller","startTime":2114.730062500011,"endTime":2114.980062500011,"body":"loan"},{"speaker":"Miller","startTime":2114.9900625000114,"endTime":2115.500062500011,"body":"dollars"},{"speaker":"Miller","startTime":2115.5300625000114,"endTime":2115.920062500011,"body":"because"},{"speaker":"Miller","startTime":2116.250062500011,"endTime":2116.7600625000114,"body":"even"},{"speaker":"Miller","startTime":2116.7700625000116,"endTime":2117.3900625000115,"body":"though"},{"speaker":"Miller","startTime":2117.4000625000112,"endTime":2117.8100625000116,"body":"rates"},{"speaker":"Miller","startTime":2117.8100625000116,"endTime":2117.9100625000115,"body":"are"},{"speaker":"Miller","startTime":2117.920062500011,"endTime":2118.2200625000114,"body":"going"},{"speaker":"Miller","startTime":2118.2200625000114,"endTime":2118.4000625000112,"body":"up,"},{"speaker":"Miller","startTime":2118.4300625000114,"endTime":2118.6100625000113,"body":"there's"},{"speaker":"Miller","startTime":2118.6100625000113,"endTime":2118.8600625000113,"body":"still"},{"speaker":"Miller","startTime":2118.8600625000113,"endTime":2119.1300625000113,"body":"such"},{"speaker":"Miller","startTime":2119.1300625000113,"endTime":2119.1800625000114,"body":"a"},{"speaker":"Miller","startTime":2119.1800625000114,"endTime":2119.4300625000114,"body":"big"},{"speaker":"Miller","startTime":2119.4300625000114,"endTime":2119.8100625000116,"body":"spread"},{"speaker":"Miller","startTime":2119.8100625000116,"endTime":2120.240062000011,"body":"between"},{"speaker":"Miller","startTime":2120.240062000011,"endTime":2120.4800615000113,"body":"loans"},{"speaker":"Miller","startTime":2120.480062500011,"endTime":2120.6100625000113,"body":"and"},{"speaker":"Miller","startTime":2120.6100625000113,"endTime":2121.2600625000114,"body":"investments."},{"speaker":"Miller","startTime":2121.7000615000115,"endTime":2122.0400615000112,"body":"People"},{"speaker":"Miller","startTime":2122.0400625000116,"endTime":2122.1200625000115,"body":"are"},{"speaker":"Miller","startTime":2122.1200625000115,"endTime":2122.5500625000113,"body":"fighting"},{"speaker":"Miller","startTime":2122.5500625000113,"endTime":2122.7200625000114,"body":"for"},{"speaker":"Miller","startTime":2122.7200625000114,"endTime":2122.960062500011,"body":"loan"},{"speaker":"Miller","startTime":2122.960062500011,"endTime":2123.3700625000115,"body":"dollars."},{"speaker":"Miller","startTime":2123.3700625000115,"endTime":2123.9100625000115,"body":"So"},{"speaker":"Miller","startTime":2124.0100625000114,"endTime":2124.3200625000113,"body":"loan"},{"speaker":"Miller","startTime":2124.3300625000115,"endTime":2124.670062500011,"body":"yields"},{"speaker":"Miller","startTime":2124.670062500011,"endTime":2124.750062500011,"body":"are"},{"speaker":"Miller","startTime":2124.750062500011,"endTime":2125.070062000011,"body":"coming"},{"speaker":"Miller","startTime":2125.070062000011,"endTime":2125.3800615000114,"body":"down."},{"speaker":"Miller","startTime":2125.4100625000115,"endTime":2125.6300625000113,"body":"That's"},{"speaker":"Miller","startTime":2125.6300625000113,"endTime":2126.210062500011,"body":"fascinating."},{"speaker":"Miller","startTime":2126.2200625000114,"endTime":2126.370062500011,"body":"You"},{"speaker":"Miller","startTime":2126.4000615000114,"endTime":2126.7700615000113,"body":"normally,"},{"speaker":"Miller","startTime":2126.770062500011,"endTime":2126.8800625000113,"body":"you"},{"speaker":"Miller","startTime":2126.8800625000113,"endTime":2127.0100625000114,"body":"would"},{"speaker":"Miller","startTime":2127.0100625000114,"endTime":2127.190062500011,"body":"think"},{"speaker":"Miller","startTime":2127.200061500011,"endTime":2127.450061500011,"body":"about,"},{"speaker":"Miller","startTime":2127.450061500011,"endTime":2127.740061500011,"body":"okay,"},{"speaker":"Miller","startTime":2127.7400625000114,"endTime":2127.9100625000115,"body":"we"},{"speaker":"Miller","startTime":2127.9100625000115,"endTime":2128.0700625000113,"body":"can"},{"speaker":"Miller","startTime":2128.0700625000113,"endTime":2128.2700620000114,"body":"pay"},{"speaker":"Miller","startTime":2128.2700620000114,"endTime":2128.310061500011,"body":"a"},{"speaker":"Miller","startTime":2128.310062500011,"endTime":2128.690062000011,"body":"higher"},{"speaker":"Miller","startTime":2128.690062000011,"endTime":2128.950061500011,"body":"amount"},{"speaker":"Miller","startTime":2128.950061500011,"endTime":2129.0500615000115,"body":"of"},{"speaker":"Miller","startTime":2129.060062500011,"endTime":2129.350062500011,"body":"money"},{"speaker":"Miller","startTime":2129.3800625000113,"endTime":2129.5000620000114,"body":"to"},{"speaker":"Miller","startTime":2129.5000620000114,"endTime":2130.0000615000113,"body":"borrow,"},{"speaker":"Miller","startTime":2130.8400625000113,"endTime":2131.0200625000116,"body":"to"},{"speaker":"Miller","startTime":2131.0200625000116,"endTime":2131.4300625000114,"body":"fund"},{"speaker":"Miller","startTime":2131.4300625000114,"endTime":2131.8700625000115,"body":"loans."},{"speaker":"Miller","startTime":2131.9700625000114,"endTime":2132.2700625000116,"body":"You"},{"speaker":"Miller","startTime":2132.2700625000116,"endTime":2132.480062500011,"body":"can"},{"speaker":"Miller","startTime":2132.480062500011,"endTime":2132.710062500011,"body":"pay"},{"speaker":"Miller","startTime":2132.710062500011,"endTime":2132.7600625000114,"body":"a"},{"speaker":"Miller","startTime":2132.7600625000114,"endTime":2133.1100625000113,"body":"higher"},{"speaker":"Miller","startTime":2133.1100625000113,"endTime":2133.4100625000115,"body":"amount"},{"speaker":"Miller","startTime":2133.420062500011,"endTime":2133.5300625000114,"body":"to"},{"speaker":"Miller","startTime":2133.5300625000114,"endTime":2133.9100625000115,"body":"borrow,"},{"speaker":"Miller","startTime":2133.940062500011,"endTime":2134.0900625000113,"body":"but"},{"speaker":"Miller","startTime":2134.0900625000113,"endTime":2134.170062500011,"body":"you"},{"speaker":"Miller","startTime":2134.170062500011,"endTime":2134.3800625000113,"body":"might"},{"speaker":"Miller","startTime":2134.3800625000113,"endTime":2134.5700625000113,"body":"not"},{"speaker":"Miller","startTime":2134.5700625000113,"endTime":2134.8000625000113,"body":"have"},{"speaker":"Miller","startTime":2134.8000625000113,"endTime":2134.8800625000113,"body":"the"},{"speaker":"Miller","startTime":2134.8800625000113,"endTime":2135.3300625000115,"body":"loans"},{"speaker":"Miller","startTime":2135.3300625000115,"endTime":2135.6400625000115,"body":"there"},{"speaker":"Miller","startTime":2135.690062500011,"endTime":2135.8500625000115,"body":"to"},{"speaker":"Miller","startTime":2135.8500625000115,"endTime":2136.2700625000116,"body":"grant."},{"speaker":"Miller","startTime":2136.5400625000116,"endTime":2136.8800625000113,"body":"Sure."},{"speaker":"Miller","startTime":2137.645062500011,"endTime":2137.7750625000112,"body":"A"},{"speaker":"Miller","startTime":2137.7750625000112,"endTime":2138.415062500011,"body":"positive"},{"speaker":"Miller","startTime":2138.415062500011,"endTime":2138.885062500011,"body":"spread."},{"speaker":"Miller","startTime":2139.335062500011,"endTime":2139.575062500011,"body":"So"},{"speaker":"Miller","startTime":2139.575062500011,"endTime":2139.835062500011,"body":"there's"},{"speaker":"Miller","startTime":2139.835062500011,"endTime":2140.335062500011,"body":"costs"},{"speaker":"Miller","startTime":2140.365062500011,"endTime":2140.515062500011,"body":"to"},{"speaker":"Miller","startTime":2140.515062500011,"endTime":2141.035062500011,"body":"borrowing"},{"speaker":"Miller","startTime":2141.035062500011,"endTime":2141.355062500011,"body":"money."},{"speaker":"Miller","startTime":2141.365062500011,"endTime":2141.545062500011,"body":"You"},{"speaker":"Miller","startTime":2141.545062500011,"endTime":2141.735062500011,"body":"can"},{"speaker":"Miller","startTime":2141.735062500011,"endTime":2141.945062500011,"body":"do"},{"speaker":"Miller","startTime":2141.955062500011,"endTime":2142.255062500011,"body":"all"},{"speaker":"Miller","startTime":2142.255062500011,"endTime":2142.365062500011,"body":"of"},{"speaker":"Miller","startTime":2142.365062500011,"endTime":2142.625062500011,"body":"those"},{"speaker":"Miller","startTime":2142.635062500011,"endTime":2142.895062500011,"body":"things."},{"speaker":"Miller","startTime":2142.975062500011,"endTime":2143.285062500011,"body":"The"},{"speaker":"Miller","startTime":2143.285062500011,"endTime":2143.795062500011,"body":"challenge"},{"speaker":"Miller","startTime":2143.805062500011,"endTime":2143.945062500011,"body":"for"},{"speaker":"Miller","startTime":2143.945062500011,"endTime":2144.245062500011,"body":"credit"},{"speaker":"Miller","startTime":2144.245062500011,"endTime":2144.535062500011,"body":"unions"},{"speaker":"Miller","startTime":2144.535062500011,"endTime":2144.995062500011,"body":"is,"},{"speaker":"Miller","startTime":2146.875062500011,"endTime":2147.065062500011,"body":"and"},{"speaker":"Miller","startTime":2147.065062500011,"endTime":2147.3050620000113,"body":"it's"},{"speaker":"Miller","startTime":2147.3050620000113,"endTime":2147.555061500011,"body":"kind"},{"speaker":"Miller","startTime":2147.555061500011,"endTime":2147.745061500011,"body":"of"},{"speaker":"Miller","startTime":2147.745062500011,"endTime":2148.815062500011,"body":"contrary"},{"speaker":"Miller","startTime":2149.275061500011,"endTime":2149.425061500011,"body":"to"},{"speaker":"Miller","startTime":2149.435062500011,"endTime":2149.645062500011,"body":"what"},{"speaker":"Miller","startTime":2149.645062500011,"endTime":2149.745062500011,"body":"you"},{"speaker":"Miller","startTime":2149.745062500011,"endTime":2150.005062500011,"body":"might"},{"speaker":"Miller","startTime":2150.005062500011,"endTime":2150.365062500011,"body":"think,"},{"speaker":"Miller","startTime":2150.375062500011,"endTime":2150.805062500011,"body":"is"},{"speaker":"Miller","startTime":2151.675062500011,"endTime":2151.815062000011,"body":"the"},{"speaker":"Miller","startTime":2151.815062000011,"endTime":2152.095061500011,"body":"credit"},{"speaker":"Miller","startTime":2152.095062500011,"endTime":2152.355062000011,"body":"unions"},{"speaker":"Miller","startTime":2152.355062000011,"endTime":2152.5350615000107,"body":"with"},{"speaker":"Miller","startTime":2152.535062500011,"endTime":2152.635062500011,"body":"the"},{"speaker":"Miller","startTime":2152.635062500011,"endTime":2152.975062500011,"body":"most"},{"speaker":"Miller","startTime":2153.005062500011,"endTime":2153.275062000011,"body":"non"},{"speaker":"Miller","startTime":2153.275062000011,"endTime":2153.795061500011,"body":"maturity"},{"speaker":"Miller","startTime":2153.7950625000108,"endTime":2154.315062000011,"body":"shares,"},{"speaker":"Miller","startTime":2154.315062000011,"endTime":2154.565061500011,"body":"which"},{"speaker":"Miller","startTime":2154.565061500011,"endTime":2154.675061500011,"body":"are"},{"speaker":"Miller","startTime":2154.6850615000108,"endTime":2154.845061500011,"body":"in"},{"speaker":"Miller","startTime":2154.845062500011,"endTime":2155.205062500011,"body":"effect"},{"speaker":"Miller","startTime":2155.205062500011,"endTime":2155.305062500011,"body":"the"},{"speaker":"Miller","startTime":2155.305062500011,"endTime":2155.555062500011,"body":"most"},{"speaker":"Miller","startTime":2155.555062500011,"endTime":2155.995062500011,"body":"stable"},{"speaker":"Miller","startTime":2156.005062500011,"endTime":2156.6050625000107,"body":"funding,"},{"speaker":"Miller","startTime":2157.1750625000113,"endTime":2157.3050620000113,"body":"are"},{"speaker":"Miller","startTime":2157.3050620000113,"endTime":2157.455061500011,"body":"the"},{"speaker":"Miller","startTime":2157.455062500011,"endTime":2157.735062000011,"body":"ones"},{"speaker":"Miller","startTime":2157.735062000011,"endTime":2157.935061500011,"body":"that"},{"speaker":"Miller","startTime":2157.935062500011,"endTime":2158.0250625000112,"body":"are"},{"speaker":"Miller","startTime":2158.035062500011,"endTime":2158.355062500011,"body":"being"},{"speaker":"Miller","startTime":2158.4850615000114,"endTime":2158.995061500011,"body":"punished"},{"speaker":"Miller","startTime":2159.0050625000113,"endTime":2159.1350625000114,"body":"the"},{"speaker":"Miller","startTime":2159.1450615000113,"endTime":2159.515061500011,"body":"most"},{"speaker":"Miller","startTime":2159.5850615000113,"endTime":2159.7950615000113,"body":"under"},{"speaker":"Miller","startTime":2159.7950615000113,"endTime":2159.955061500011,"body":"this"},{"speaker":"Miller","startTime":2159.955061500011,"endTime":2160.675061500011,"body":"supervisory"},{"speaker":"Miller","startTime":2160.675061500011,"endTime":2161.1250615000113,"body":"test."},{"speaker":"Miller","startTime":2161.8350615000113,"endTime":2161.9850615000114,"body":"They"},{"speaker":"Miller","startTime":2161.9850615000114,"endTime":2162.185061500011,"body":"have"},{"speaker":"Miller","startTime":2162.185061500011,"endTime":2162.265061500011,"body":"the"},{"speaker":"Miller","startTime":2162.265061500011,"endTime":2162.6250615000113,"body":"biggest"},{"speaker":"Miller","startTime":2162.6250615000113,"endTime":2162.9650615000114,"body":"impact,"},{"speaker":"Miller","startTime":2163.465061500011,"endTime":2163.755061500011,"body":"even"},{"speaker":"Miller","startTime":2163.755061500011,"endTime":2164.025061500011,"body":"though"},{"speaker":"Miller","startTime":2164.025061500011,"endTime":2164.435061500011,"body":"they're,"},{"speaker":"Miller","startTime":2164.485061500011,"endTime":2164.655061500011,"body":"in"},{"speaker":"Miller","startTime":2164.655061500011,"endTime":2165.045061500011,"body":"effect,"},{"speaker":"Miller","startTime":2165.9350625000116,"endTime":2166.1950625000113,"body":"Have"},{"speaker":"Miller","startTime":2166.1950625000113,"endTime":2166.295062500011,"body":"the"},{"speaker":"Miller","startTime":2166.295062500011,"endTime":2166.625062500011,"body":"least"},{"speaker":"Miller","startTime":2166.625062500011,"endTime":2166.9350625000116,"body":"risk"},{"speaker":"Miller","startTime":2166.9350625000116,"endTime":2167.065062500011,"body":"and"},{"speaker":"Miller","startTime":2167.065062500011,"endTime":2167.1350625000114,"body":"the"},{"speaker":"Miller","startTime":2167.1350625000114,"endTime":2167.355062500011,"body":"most"},{"speaker":"Miller","startTime":2167.3650625000114,"endTime":2167.7350625000113,"body":"stable"},{"speaker":"Miller","startTime":2167.7450625000115,"endTime":2168.2250625000115,"body":"funding."},{"speaker":"Miller","startTime":2168.2250625000115,"endTime":2168.5250625000112,"body":"So"},{"speaker":"Miller","startTime":2168.545062500011,"endTime":2168.895062500011,"body":"it's"},{"speaker":"Miller","startTime":2168.9450625000113,"endTime":2169.1350625000114,"body":"one"},{"speaker":"Miller","startTime":2169.1350625000114,"endTime":2169.2150625000113,"body":"of"},{"speaker":"Miller","startTime":2169.2150625000113,"endTime":2169.335062500011,"body":"those"},{"speaker":"Miller","startTime":2169.335062500011,"endTime":2169.5550625000114,"body":"one"},{"speaker":"Miller","startTime":2169.5550625000114,"endTime":2169.855062500011,"body":"size"},{"speaker":"Miller","startTime":2169.895062500011,"endTime":2170.085062500011,"body":"fits"},{"speaker":"Miller","startTime":2170.085062500011,"endTime":2170.2350625000113,"body":"all"},{"speaker":"Miller","startTime":2170.2450625000115,"endTime":2170.7050625000115,"body":"approaches"},{"speaker":"Miller","startTime":2170.7050625000115,"endTime":2170.7250625000115,"body":"is"},{"speaker":"Miller","startTime":2172.6350625000114,"endTime":2173.0250625000112,"body":"somewhat"},{"speaker":"Miller","startTime":2173.035062500011,"endTime":2173.535062500011,"body":"dangerous"},{"speaker":"Miller","startTime":2173.555062500011,"endTime":2173.645062500011,"body":"to"},{"speaker":"Miller","startTime":2173.645062500011,"endTime":2174.145062500011,"body":"people."},{"speaker":"Miller","startTime":2174.2750625000112,"endTime":2174.4250625000113,"body":"I"},{"speaker":"Miller","startTime":2174.4250625000113,"endTime":2174.6750625000113,"body":"think"},{"speaker":"Miller","startTime":2174.6750625000113,"endTime":2174.7750625000112,"body":"the"},{"speaker":"Miller","startTime":2174.7750625000112,"endTime":2175.0350620000113,"body":"credit"},{"speaker":"Miller","startTime":2175.0350620000113,"endTime":2175.115061500011,"body":"is,"},{"speaker":"Miller","startTime":2175.1150625000114,"endTime":2175.2450620000113,"body":"they"},{"speaker":"Miller","startTime":2175.2450620000113,"endTime":2175.4150615000112,"body":"just"},{"speaker":"Miller","startTime":2175.4150615000112,"endTime":2175.5650615000113,"body":"have"},{"speaker":"Miller","startTime":2175.565062500011,"endTime":2175.665062000011,"body":"to"},{"speaker":"Miller","startTime":2175.665062000011,"endTime":2175.845061500011,"body":"look"},{"speaker":"Miller","startTime":2175.845062500011,"endTime":2175.935062500011,"body":"at"},{"speaker":"Miller","startTime":2175.935062500011,"endTime":2176.095062500011,"body":"all"},{"speaker":"Miller","startTime":2176.095062500011,"endTime":2176.2550625000113,"body":"their"},{"speaker":"Miller","startTime":2176.265062500011,"endTime":2176.825062500011,"body":"levelers"},{"speaker":"Miller","startTime":2177.1550625000114,"endTime":2177.2850620000113,"body":"and"},{"speaker":"Miller","startTime":2177.2850620000113,"endTime":2177.445061500011,"body":"it's"},{"speaker":"Miller","startTime":2177.4450625000113,"endTime":2177.5050625000113,"body":"a"},{"speaker":"Miller","startTime":2177.5050625000113,"endTime":2178.185062500011,"body":"manner"},{"speaker":"Miller","startTime":2178.245061500011,"endTime":2178.8350615000113,"body":"of"},{"speaker":"Miller","startTime":2179.705062500011,"endTime":2180.325062500011,"body":"managing"},{"speaker":"Miller","startTime":2180.375062500011,"endTime":2180.8050620000113,"body":"earnings."},{"speaker":"Miller","startTime":2180.8050620000113,"endTime":2180.9650615000114,"body":"And"},{"speaker":"Miller","startTime":2180.975061500011,"endTime":2181.2550615000114,"body":"that"},{"speaker":"Miller","startTime":2181.265061500011,"endTime":2181.4650615000114,"body":"is"},{"speaker":"Miller","startTime":2181.4650625000113,"endTime":2181.705062500011,"body":"really"},{"speaker":"Miller","startTime":2181.705062500011,"endTime":2182.2750625000112,"body":"challenging"},{"speaker":"Miller","startTime":2182.2750625000112,"endTime":2182.4850625000113,"body":"right"},{"speaker":"Miller","startTime":2182.495062500011,"endTime":2182.515062500011,"body":"now."},{"speaker":"Miller","startTime":2182.825062500011,"endTime":2183.115062000011,"body":"People"},{"speaker":"Miller","startTime":2183.115062000011,"endTime":2183.3550615000113,"body":"doing"},{"speaker":"Miller","startTime":2183.385061500011,"endTime":2183.6450615000113,"body":"things"},{"speaker":"Miller","startTime":2183.6450615000113,"endTime":2183.745061500011,"body":"to"},{"speaker":"Miller","startTime":2183.745062500011,"endTime":2184.185062500011,"body":"manage"},{"speaker":"Miller","startTime":2184.185062500011,"endTime":2184.4450625000113,"body":"those"},{"speaker":"Miller","startTime":2184.495062500011,"endTime":2185.0250625000112,"body":"earnings."},{"speaker":"Miller","startTime":2185.025063500011,"endTime":2185.1850630000113,"body":"They're"},{"speaker":"Miller","startTime":2185.1850630000113,"endTime":2185.695062000011,"body":"competing"},{"speaker":"Miller","startTime":2185.695062000011,"endTime":2185.8550615000113,"body":"for"},{"speaker":"Miller","startTime":2185.955061500011,"endTime":2186.3750615000113,"body":"loans."},{"speaker":"Miller","startTime":2186.745061500011,"endTime":2186.935061500011,"body":"You're"},{"speaker":"Miller","startTime":2186.935061500011,"endTime":2187.305061500011,"body":"seeing"},{"speaker":"Miller","startTime":2187.3051615000113,"endTime":2187.504962500011,"body":"more"},{"speaker":"Miller","startTime":2187.5050625000113,"endTime":2187.835062500011,"body":"people"},{"speaker":"Miller","startTime":2187.935062500011,"endTime":2188.585062500011,"body":"purchasing"},{"speaker":"Miller","startTime":2188.585062500011,"endTime":2189.1550625000114,"body":"loans."},{"speaker":"Miller","startTime":2189.1950625000113,"endTime":2189.4050625000114,"body":"They"},{"speaker":"Miller","startTime":2189.4050625000114,"endTime":2189.835062500011,"body":"alluded"},{"speaker":"Miller","startTime":2189.835062500011,"endTime":2190.1550625000114,"body":"toward"},{"speaker":"Miller","startTime":2190.165062500011,"endTime":2190.325062500011,"body":"the"},{"speaker":"Miller","startTime":2190.325062500011,"endTime":2190.855062500011,"body":"webinar."},{"speaker":"Miller","startTime":2190.855062500011,"endTime":2191.0250625000112,"body":"One"},{"speaker":"Miller","startTime":2191.0250625000112,"endTime":2191.1350625000114,"body":"of"},{"speaker":"Miller","startTime":2191.1350625000114,"endTime":2191.205062500011,"body":"the"},{"speaker":"Miller","startTime":2191.205062500011,"endTime":2191.555062500011,"body":"biggest"},{"speaker":"Miller","startTime":2191.555062500011,"endTime":2191.935062500011,"body":"issues"},{"speaker":"Miller","startTime":2191.955062500011,"endTime":2192.205062500011,"body":"is"},{"speaker":"Miller","startTime":2192.205062500011,"endTime":2192.4050625000114,"body":"it's"},{"speaker":"Miller","startTime":2192.415062500011,"endTime":2192.825062500011,"body":"longer"},{"speaker":"Miller","startTime":2192.855062500011,"endTime":2193.395062000011,"body":"duration"},{"speaker":"Miller","startTime":2193.395062000011,"endTime":2193.805061500011,"body":"investments"},{"speaker":"Miller","startTime":2193.9650625000113,"endTime":2194.085062500011,"body":"and."},{"speaker":"Miller","startTime":2194.405062500011,"endTime":2194.745062500011,"body":"That's"},{"speaker":"Miller","startTime":2194.755062500011,"endTime":2195.265062500011,"body":"Cartagena's"},{"speaker":"Miller","startTime":2195.2950625000108,"endTime":2195.725062500011,"body":"reaching"},{"speaker":"Miller","startTime":2195.725062500011,"endTime":2195.925062500011,"body":"out"},{"speaker":"Miller","startTime":2195.925062500011,"endTime":2196.115062500011,"body":"there"},{"speaker":"Miller","startTime":2196.115062500011,"endTime":2196.3150625000108,"body":"for"},{"speaker":"Miller","startTime":2196.3150625000108,"endTime":2196.7950625000108,"body":"earnings."},{"speaker":"Miller","startTime":2196.805062500011,"endTime":2197.095062500011,"body":"It's"},{"speaker":"Miller","startTime":2197.105062500011,"endTime":2197.465062500011,"body":"not"},{"speaker":"Miller","startTime":2197.475062500011,"endTime":2197.915062500011,"body":"there"},{"speaker":"Miller","startTime":2197.915062500011,"endTime":2198.015062500011,"body":"in"},{"speaker":"Miller","startTime":2198.015062500011,"endTime":2198.155062500011,"body":"the"},{"speaker":"Miller","startTime":2198.155062500011,"endTime":2198.475062500011,"body":"loan"},{"speaker":"Miller","startTime":2198.485062500011,"endTime":2199.245062500011,"body":"marketplace"},{"speaker":"Miller","startTime":2199.655062500011,"endTime":2200.355062500011,"body":"because"},{"speaker":"Miller","startTime":2200.385062500011,"endTime":2200.695062500011,"body":"people"},{"speaker":"Miller","startTime":2200.695062500011,"endTime":2200.875062500011,"body":"aren't"},{"speaker":"Miller","startTime":2200.875062500011,"endTime":2201.275062500011,"body":"raising"},{"speaker":"Miller","startTime":2201.275062500011,"endTime":2201.535062500011,"body":"loan"},{"speaker":"Miller","startTime":2201.535062500011,"endTime":2202.025062500011,"body":"rates"},{"speaker":"Miller","startTime":2202.075062500011,"endTime":2202.185062500011,"body":"the"},{"speaker":"Miller","startTime":2202.185062500011,"endTime":2202.395062500011,"body":"way"},{"speaker":"Miller","startTime":2202.395062500011,"endTime":2202.5850625000107,"body":"they"},{"speaker":"Miller","startTime":2202.5850625000107,"endTime":2202.8350625000107,"body":"need"},{"speaker":"Miller","startTime":2202.8350625000107,"endTime":2203.055062500011,"body":"to."},{"speaker":"Miller","startTime":2203.125062500011,"endTime":2203.695062000011,"body":"Consumer"},{"speaker":"Miller","startTime":2203.695062000011,"endTime":2204.055061500011,"body":"loans,"},{"speaker":"Miller","startTime":2204.095062500011,"endTime":2204.225062500011,"body":"the"},{"speaker":"Miller","startTime":2204.225062500011,"endTime":2204.415062500011,"body":"real"},{"speaker":"Miller","startTime":2204.415062500011,"endTime":2204.715062500011,"body":"estate"},{"speaker":"Miller","startTime":2204.715062500011,"endTime":2204.995062500011,"body":"loans"},{"speaker":"Miller","startTime":2204.995062500011,"endTime":2205.0850625000107,"body":"are"},{"speaker":"Miller","startTime":2205.0850625000107,"endTime":2205.365062500011,"body":"going"},{"speaker":"Miller","startTime":2205.365062500011,"endTime":2205.515062500011,"body":"up"},{"speaker":"Miller","startTime":2205.525061500011,"endTime":2205.835061500011,"body":"because"},{"speaker":"Miller","startTime":2205.845062500011,"endTime":2205.9050620000107,"body":"the"},{"speaker":"Miller","startTime":2205.9050620000107,"endTime":2206.425061500011,"body":"secondary"},{"speaker":"Miller","startTime":2206.425062500011,"endTime":2206.725062500011,"body":"market"},{"speaker":"Miller","startTime":2206.755062500011,"endTime":2207.115062500011,"body":"does"},{"speaker":"Miller","startTime":2207.195061500011,"endTime":2207.735061500011,"body":"impact"},{"speaker":"Miller","startTime":2207.735061500011,"endTime":2208.245061500011,"body":"those"},{"speaker":"Miller","startTime":2208.6050615000113,"endTime":2208.955061500011,"body":"real"},{"speaker":"Miller","startTime":2208.9550625000115,"endTime":2209.3650625000114,"body":"estate"},{"speaker":"Miller","startTime":2209.3650625000114,"endTime":2209.625062500011,"body":"loan"},{"speaker":"Miller","startTime":2209.625062500011,"endTime":2209.9350620000114,"body":"rates"},{"speaker":"Miller","startTime":2209.9350620000114,"endTime":2210.1150615000115,"body":"to"},{"speaker":"Miller","startTime":2210.1150625000114,"endTime":2210.1950625000113,"body":"a"},{"speaker":"Miller","startTime":2210.1950625000113,"endTime":2210.6450620000114,"body":"great"},{"speaker":"Miller","startTime":2210.6450620000114,"endTime":2210.955061500011,"body":"deal."},{"speaker":"Miller","startTime":2210.955061500011,"endTime":2211.2750615000114,"body":"People"},{"speaker":"Miller","startTime":2211.2750625000112,"endTime":2211.4950625000115,"body":"want"},{"speaker":"Miller","startTime":2211.4950625000115,"endTime":2211.585062500011,"body":"to"},{"speaker":"Miller","startTime":2211.605062500011,"endTime":2211.855062500011,"body":"keep"},{"speaker":"Miller","startTime":2211.855062500011,"endTime":2212.0150625000115,"body":"that"},{"speaker":"Miller","startTime":2212.0150625000115,"endTime":2212.6250620000114,"body":"liquidity"},{"speaker":"Miller","startTime":2212.6250620000114,"endTime":2213.245061500011,"body":"available."},{"speaker":"Miller","startTime":2213.5750625000114,"endTime":2213.7350625000113,"body":"So"},{"speaker":"Miller","startTime":2213.7350625000113,"endTime":2214.085062500011,"body":"people"},{"speaker":"Miller","startTime":2214.0950625000114,"endTime":2214.4650625000113,"body":"price"},{"speaker":"Miller","startTime":2214.4650625000113,"endTime":2214.7850625000115,"body":"those"},{"speaker":"Miller","startTime":2214.7850625000115,"endTime":2215.0050625000113,"body":"to"},{"speaker":"Miller","startTime":2215.0150625000115,"endTime":2215.1350625000114,"body":"the"},{"speaker":"Miller","startTime":2215.1350625000114,"endTime":2215.6850625000116,"body":"secondary"},{"speaker":"Miller","startTime":2215.6850625000116,"endTime":2216.0950625000114,"body":"market."},{"speaker":"Miller","startTime":2216.0950625000114,"endTime":2216.2450625000115,"body":"So"},{"speaker":"Miller","startTime":2216.2450625000115,"endTime":2216.415062500011,"body":"they"},{"speaker":"Miller","startTime":2216.415062500011,"endTime":2216.6150625000114,"body":"do"},{"speaker":"Miller","startTime":2216.625062500011,"endTime":2216.875062500011,"body":"move"},{"speaker":"Miller","startTime":2216.8850625000114,"endTime":2217.0350625000115,"body":"with"},{"speaker":"Miller","startTime":2217.0350625000115,"endTime":2217.565062500011,"body":"treasury"},{"speaker":"Miller","startTime":2217.565062500011,"endTime":2218.0250625000112,"body":"rates,"},{"speaker":"Miller","startTime":2219.185062500011,"endTime":2219.3850625000114,"body":"all"},{"speaker":"Miller","startTime":2219.3850625000114,"endTime":2219.565062500011,"body":"these"},{"speaker":"Miller","startTime":2219.565062500011,"endTime":2219.815062500011,"body":"other"},{"speaker":"Miller","startTime":2219.825062500011,"endTime":2220.455062500011,"body":"consumer"},{"speaker":"Miller","startTime":2220.455062500011,"endTime":2220.7750625000112,"body":"loans."},{"speaker":"Miller","startTime":2220.7750625000112,"endTime":2220.935062500011,"body":"And"},{"speaker":"Miller","startTime":2220.935062500011,"endTime":2221.0250625000112,"body":"I"},{"speaker":"Miller","startTime":2221.0250625000112,"endTime":2221.225062500011,"body":"would"},{"speaker":"Miller","startTime":2221.2550625000113,"endTime":2221.805062500011,"body":"suspect"},{"speaker":"Miller","startTime":2221.835062500011,"endTime":2222.0050625000113,"body":"we've"},{"speaker":"Miller","startTime":2222.0050625000113,"endTime":2222.225062500011,"body":"seen"},{"speaker":"Miller","startTime":2222.225062500011,"endTime":2222.415062000011,"body":"this"},{"speaker":"Miller","startTime":2222.415062000011,"endTime":2222.5450615000113,"body":"in"},{"speaker":"Miller","startTime":2222.545062500011,"endTime":2222.665062000011,"body":"the"},{"speaker":"Miller","startTime":2222.665062000011,"endTime":2223.095061500011,"body":"last"},{"speaker":"Miller","startTime":2223.095062500011,"endTime":2223.765062500011,"body":"recession"},{"speaker":"Miller","startTime":2224.385062500011,"endTime":2224.755062500011,"body":"back,"},{"speaker":"Miller","startTime":2224.995062500011,"endTime":2225.265062500011,"body":"In"},{"speaker":"Miller","startTime":2225.265162500011,"endTime":2225.294962500011,"body":"2006"},{"speaker":"Miller","startTime":2225.2950625000108,"endTime":2227.345062500011,"body":"2007,"},{"speaker":"Miller","startTime":2228.0250625000112,"endTime":2228.4650625000113,"body":"commercial"},{"speaker":"Miller","startTime":2228.4650625000113,"endTime":2228.745062500011,"body":"loans"},{"speaker":"Miller","startTime":2228.7550625000113,"endTime":2228.9850625000113,"body":"tend"},{"speaker":"Miller","startTime":2228.9850625000113,"endTime":2229.055062500011,"body":"to"},{"speaker":"Miller","startTime":2229.055062500011,"endTime":2229.2350625000113,"body":"get"},{"speaker":"Miller","startTime":2229.2550625000113,"endTime":2229.895062500011,"body":"underpriced,"},{"speaker":"Miller","startTime":2229.925062500011,"endTime":2230.195062500011,"body":"too."},{"speaker":"Miller","startTime":2230.265062500011,"endTime":2230.455062500011,"body":"And"},{"speaker":"Miller","startTime":2230.455062500011,"endTime":2230.705062500011,"body":"while"},{"speaker":"Miller","startTime":2230.705062500011,"endTime":2230.865062500011,"body":"it's"},{"speaker":"Miller","startTime":2230.865062500011,"endTime":2231.165062500011,"body":"only"},{"speaker":"Miller","startTime":2231.195062500011,"endTime":2231.425062500011,"body":"5"},{"speaker":"Miller","startTime":2231.435062500011,"endTime":2231.765062500011,"body":"percent"},{"speaker":"Miller","startTime":2231.765062500011,"endTime":2231.835062500011,"body":"of"},{"speaker":"Miller","startTime":2231.835062500011,"endTime":2232.295062500011,"body":"Cretien's"},{"speaker":"Miller","startTime":2232.295062500011,"endTime":2232.7750625000112,"body":"assets,"},{"speaker":"Miller","startTime":2232.7750625000112,"endTime":2232.885062500011,"body":"the"},{"speaker":"Miller","startTime":2232.885062500011,"endTime":2233.315062500011,"body":"Cretien's"},{"speaker":"Miller","startTime":2233.325062500011,"endTime":2233.5250625000112,"body":"that"},{"speaker":"Miller","startTime":2233.5250625000112,"endTime":2233.625062500011,"body":"are"},{"speaker":"Miller","startTime":2233.665062500011,"endTime":2233.8450620000112,"body":"in"},{"speaker":"Miller","startTime":2233.8450620000112,"endTime":2234.035061500011,"body":"that"},{"speaker":"Miller","startTime":2234.035062500011,"endTime":2234.545062500011,"body":"business,"},{"speaker":"Miller","startTime":2235.045062500011,"endTime":2235.195062500011,"body":"they"},{"speaker":"Miller","startTime":2235.195062500011,"endTime":2235.365062500011,"body":"need"},{"speaker":"Miller","startTime":2235.365062500011,"endTime":2235.425062000011,"body":"to"},{"speaker":"Miller","startTime":2235.425062000011,"endTime":2235.595061500011,"body":"pay"},{"speaker":"Miller","startTime":2235.595061500011,"endTime":2236.015061500011,"body":"attention"},{"speaker":"Miller","startTime":2236.015061500011,"endTime":2236.135061500011,"body":"to"},{"speaker":"Miller","startTime":2236.135061500011,"endTime":2236.265061500011,"body":"their"},{"speaker":"Miller","startTime":2236.265061500011,"endTime":2236.805061500011,"body":"pricing"},{"speaker":"Miller","startTime":2236.815062500011,"endTime":2237.335062500011,"body":"because"},{"speaker":"Miller","startTime":2237.585062500011,"endTime":2237.825062500011,"body":"quite"},{"speaker":"Miller","startTime":2237.825062500011,"endTime":2238.0950620000112,"body":"often"},{"speaker":"Miller","startTime":2238.0950620000112,"endTime":2238.215061500011,"body":"you"},{"speaker":"Miller","startTime":2238.215061500011,"endTime":2238.3950615000113,"body":"see"},{"speaker":"Miller","startTime":2238.395062500011,"endTime":2238.615062500011,"body":"that"},{"speaker":"Miller","startTime":2238.615062500011,"endTime":2238.7550625000113,"body":"get"},{"speaker":"Miller","startTime":2238.795062500011,"endTime":2239.365062500011,"body":"underpriced,"},{"speaker":"Miller","startTime":2239.385061500011,"endTime":2239.565061500011,"body":"too."},{"speaker":"Miller","startTime":2239.565062500011,"endTime":2239.7350625000113,"body":"And"},{"speaker":"Miller","startTime":2240.135061500011,"endTime":2240.255061500011,"body":"that"},{"speaker":"Miller","startTime":2240.265061500011,"endTime":2240.525061500011,"body":"has"},{"speaker":"Miller","startTime":2240.5250625000112,"endTime":2241.305062500011,"body":"consequences"},{"speaker":"Miller","startTime":2241.315061500011,"endTime":2241.635061500011,"body":"when"},{"speaker":"Miller","startTime":2241.685062500011,"endTime":2242.355062500011,"body":"delinquency"},{"speaker":"Miller","startTime":2242.365062500011,"endTime":2242.945062500011,"body":"starts"},{"speaker":"Miller","startTime":2243.3950625000116,"endTime":2243.9850625000113,"body":"rising."},{"speaker":"Miller","startTime":2244.2750625000117,"endTime":2244.6450625000116,"body":"Later,"},{"speaker":"Miller","startTime":2245.1150625000114,"endTime":2245.4250625000113,"body":"sure,"},{"speaker":"Miller","startTime":2245.4250625000113,"endTime":2245.5650625000117,"body":"and"},{"speaker":"Miller","startTime":2245.5650625000117,"endTime":2245.7150625000113,"body":"see"},{"speaker":"Miller","startTime":2245.7150625000113,"endTime":2245.7850625000115,"body":"if"},{"speaker":"Miller","startTime":2245.8350625000116,"endTime":2245.9450625000113,"body":"it"},{"speaker":"Miller","startTime":2245.9550625000115,"endTime":2246.2450625000115,"body":"starts"},{"speaker":"Miller","startTime":2246.2450625000115,"endTime":2246.7450625000115,"body":"visiting."},{"speaker":"Miller","startTime":2247.1050625000116,"endTime":2247.2050625000115,"body":"I"},{"speaker":"Miller","startTime":2247.2050625000115,"endTime":2247.3450625000114,"body":"would"},{"speaker":"Miller","startTime":2247.3450625000114,"endTime":2247.4950625000115,"body":"just"},{"speaker":"Miller","startTime":2247.4950625000115,"endTime":2247.7050625000115,"body":"throw"},{"speaker":"Miller","startTime":2247.7050625000115,"endTime":2247.9650625000113,"body":"one"},{"speaker":"Miller","startTime":2247.9650625000113,"endTime":2248.1950625000113,"body":"last"},{"speaker":"Miller","startTime":2248.1950625000113,"endTime":2248.4050625000114,"body":"thing"},{"speaker":"Miller","startTime":2248.4150625000116,"endTime":2248.5850625000116,"body":"out"},{"speaker":"Miller","startTime":2248.5850625000116,"endTime":2248.7250625000115,"body":"there."},{"speaker":"Miller","startTime":2248.7250625000115,"endTime":2248.8150625000117,"body":"And"},{"speaker":"Miller","startTime":2248.8150625000117,"endTime":2248.8650625000114,"body":"I"},{"speaker":"Miller","startTime":2248.8650625000114,"endTime":2249.0850625000116,"body":"guess"},{"speaker":"Miller","startTime":2249.1050625000116,"endTime":2249.3750625000116,"body":"maybe"},{"speaker":"Miller","startTime":2249.3750625000116,"endTime":2249.5850625000116,"body":"this"},{"speaker":"Miller","startTime":2249.6150625000114,"endTime":2249.9450625000113,"body":"is"},{"speaker":"Miller","startTime":2250.8050625000114,"endTime":2250.8950625000116,"body":"a"},{"speaker":"Miller","startTime":2250.8950625000116,"endTime":2251.2750625000112,"body":"piece"},{"speaker":"Miller","startTime":2251.2750625000112,"endTime":2251.4650625000113,"body":"of"},{"speaker":"Miller","startTime":2251.4650625000113,"endTime":2251.6750625000113,"body":"what"},{"speaker":"Miller","startTime":2251.6750625000113,"endTime":2251.8950625000116,"body":"you"},{"speaker":"Miller","startTime":2251.8950625000116,"endTime":2252.3050625000114,"body":"asked"},{"speaker":"Miller","startTime":2252.3050625000114,"endTime":2252.4950625000115,"body":"me"},{"speaker":"Miller","startTime":2252.4950625000115,"endTime":2252.8450620000112,"body":"about"},{"speaker":"Miller","startTime":2252.8450620000112,"endTime":2253.0950615000115,"body":"what"},{"speaker":"Miller","startTime":2253.0950615000115,"endTime":2253.2450615000116,"body":"they"},{"speaker":"Miller","startTime":2253.2450625000115,"endTime":2253.4050625000114,"body":"can"},{"speaker":"Miller","startTime":2253.4150625000116,"endTime":2253.6850625000116,"body":"do"},{"speaker":"Miller","startTime":2253.6950625000113,"endTime":2253.8250625000114,"body":"in"},{"speaker":"Miller","startTime":2253.8250625000114,"endTime":2254.1450625000116,"body":"terms"},{"speaker":"Miller","startTime":2254.1450625000116,"endTime":2254.3050625000114,"body":"of"},{"speaker":"Miller","startTime":2254.3050625000114,"endTime":2254.8850625000114,"body":"funding,"},{"speaker":"Miller","startTime":2255.3650625000114,"endTime":2255.6950625000113,"body":"but"},{"speaker":"Miller","startTime":2255.7450625000115,"endTime":2256.0550625000114,"body":"it's"},{"speaker":"Miller","startTime":2256.0950615000115,"endTime":2256.3250615000115,"body":"go"},{"speaker":"Miller","startTime":2256.3250625000114,"endTime":2256.6050625000116,"body":"look"},{"speaker":"Miller","startTime":2256.6050625000116,"endTime":2256.7550620000115,"body":"at"},{"speaker":"Miller","startTime":2256.7550620000115,"endTime":2256.9250615000115,"body":"your"},{"speaker":"Miller","startTime":2256.9250615000115,"endTime":2257.7550615000114,"body":"concentration"},{"speaker":"Miller","startTime":2257.7650625000115,"endTime":2258.0550625000114,"body":"risk"},{"speaker":"Miller","startTime":2258.0550625000114,"endTime":2258.4650625000113,"body":"levels"},{"speaker":"Miller","startTime":2258.4850625000113,"endTime":2259.0350625000115,"body":"everywhere."},{"speaker":"Miller","startTime":2259.0350625000115,"endTime":2259.1750620000116,"body":"And"},{"speaker":"Miller","startTime":2259.1750620000116,"endTime":2259.4250615000115,"body":"that's"},{"speaker":"Miller","startTime":2259.4850625000113,"endTime":2259.6850625000116,"body":"on"},{"speaker":"Miller","startTime":2259.6850625000116,"endTime":2259.8250625000114,"body":"your"},{"speaker":"Miller","startTime":2259.8250625000114,"endTime":2260.1750620000116,"body":"share"},{"speaker":"Miller","startTime":2260.1750620000116,"endTime":2260.6550615000115,"body":"side"},{"speaker":"Miller","startTime":2261.0150625000115,"endTime":2261.2950625000117,"body":"and"},{"speaker":"Miller","startTime":2261.2950625000117,"endTime":2261.4550625000115,"body":"on"},{"speaker":"Miller","startTime":2261.4550625000115,"endTime":2261.6450620000114,"body":"your"},{"speaker":"Miller","startTime":2261.6450620000114,"endTime":2261.8950615000113,"body":"house"},{"speaker":"Miller","startTime":2261.8950615000113,"endTime":2262.1050615000113,"body":"that"},{"speaker":"Miller","startTime":2262.1050625000116,"endTime":2262.5650625000117,"body":"side."},{"speaker":"Miller","startTime":2262.9650625000113,"endTime":2263.0650620000115,"body":"I"},{"speaker":"Miller","startTime":2263.0650620000115,"endTime":2263.2950615000113,"body":"think"},{"speaker":"Miller","startTime":2263.295062500011,"endTime":2263.4650625000113,"body":"you're"},{"speaker":"Miller","startTime":2263.4650625000113,"endTime":2263.7150625000113,"body":"going"},{"speaker":"Miller","startTime":2263.7150625000113,"endTime":2263.8250625000114,"body":"to"},{"speaker":"Miller","startTime":2263.8350615000113,"endTime":2264.0750615000115,"body":"see"},{"speaker":"Miller","startTime":2264.0750625000114,"endTime":2264.2850625000115,"body":"your"},{"speaker":"Miller","startTime":2264.2850625000115,"endTime":2265.0750625000114,"body":"examiners."},{"speaker":"Miller","startTime":2265.1150625000114,"endTime":2265.295062500011,"body":"They're"},{"speaker":"Miller","startTime":2265.295062500011,"endTime":2265.4050625000114,"body":"going"},{"speaker":"Miller","startTime":2265.4050625000114,"endTime":2265.4650625000113,"body":"to"},{"speaker":"Miller","startTime":2265.4750625000115,"endTime":2265.815062500011,"body":"start."},{"speaker":"Miller","startTime":2266.5200625000116,"endTime":2267.5500625000113,"body":"Scrutinizing"},{"speaker":"Miller","startTime":2267.5500625000113,"endTime":2267.7600625000114,"body":"those"},{"speaker":"Miller","startTime":2267.7700625000116,"endTime":2268.440062500011,"body":"concentration"},{"speaker":"Miller","startTime":2268.4900625000114,"endTime":2268.8500625000115,"body":"risk"},{"speaker":"Miller","startTime":2268.8500625000115,"endTime":2269.3000625000113,"body":"levels"},{"speaker":"Miller","startTime":2269.5800625000115,"endTime":2269.6800625000114,"body":"a"},{"speaker":"Miller","startTime":2269.6800625000114,"endTime":2269.940062500011,"body":"little"},{"speaker":"Miller","startTime":2269.940062500011,"endTime":2270.1200625000115,"body":"bit"},{"speaker":"Miller","startTime":2270.1300625000113,"endTime":2270.4700625000114,"body":"more,"},{"speaker":"Miller","startTime":2270.480062500011,"endTime":2270.6000625000115,"body":"and"},{"speaker":"Miller","startTime":2270.6000625000115,"endTime":2270.690062500011,"body":"I"},{"speaker":"Miller","startTime":2270.690062500011,"endTime":2270.9300625000114,"body":"already"},{"speaker":"Miller","startTime":2270.940062500011,"endTime":2271.4900625000114,"body":"elevated"},{"speaker":"Miller","startTime":2271.4900625000114,"endTime":2271.690062500011,"body":"it"},{"speaker":"Miller","startTime":2271.690062500011,"endTime":2271.730062500011,"body":"a"},{"speaker":"Miller","startTime":2271.730062500011,"endTime":2272.0200625000116,"body":"couple"},{"speaker":"Miller","startTime":2272.0200625000116,"endTime":2272.3000625000113,"body":"years"},{"speaker":"Miller","startTime":2272.3000625000113,"endTime":2272.5700625000113,"body":"ago"},{"speaker":"Miller","startTime":2272.5700625000113,"endTime":2272.750062500011,"body":"with"},{"speaker":"Miller","startTime":2272.750062500011,"endTime":2272.8200625000113,"body":"a"},{"speaker":"Miller","startTime":2272.8200625000113,"endTime":2273.1800625000114,"body":"letter"},{"speaker":"Miller","startTime":2273.1800625000114,"endTime":2273.3100625000116,"body":"on"},{"speaker":"Miller","startTime":2273.3400625000113,"endTime":2274.1100625000113,"body":"concentration"},{"speaker":"Miller","startTime":2274.1100625000113,"endTime":2274.4000625000112,"body":"risk,"},{"speaker":"Miller","startTime":2274.9000615000114,"endTime":2275.080061500011,"body":"but"},{"speaker":"Miller","startTime":2275.0800625000115,"endTime":2275.1600625000115,"body":"I"},{"speaker":"Miller","startTime":2275.170062500011,"endTime":2275.3600620000116,"body":"think"},{"speaker":"Miller","startTime":2275.3600620000116,"endTime":2275.4500615000115,"body":"you"},{"speaker":"Miller","startTime":2275.4500625000114,"endTime":2275.6800625000114,"body":"might"},{"speaker":"Miller","startTime":2275.6800625000114,"endTime":2275.8800625000113,"body":"see"},{"speaker":"Miller","startTime":2275.8800625000113,"endTime":2276.0200625000116,"body":"an"},{"speaker":"Miller","startTime":2276.0200625000116,"endTime":2276.2900625000116,"body":"even"},{"speaker":"Miller","startTime":2276.3000625000113,"endTime":2276.9000625000112,"body":"more"},{"speaker":"Miller","startTime":2277.7300615000113,"endTime":2278.3600615000114,"body":"enhanced"},{"speaker":"Miller","startTime":2278.3700625000115,"endTime":2278.8000625000113,"body":"focus"},{"speaker":"Miller","startTime":2278.8000625000113,"endTime":2278.960062500011,"body":"on"},{"speaker":"Miller","startTime":2278.960062500011,"endTime":2279.1100625000113,"body":"it"},{"speaker":"Miller","startTime":2279.8900625000115,"endTime":2280.3000625000113,"body":"going"},{"speaker":"Miller","startTime":2280.3000625000113,"endTime":2280.7400625000114,"body":"forward."},{"speaker":"Treichel","startTime":2281.4000625000117,"endTime":2281.6700625000117,"body":"That's"},{"speaker":"Treichel","startTime":2281.6700625000117,"endTime":2281.8900625000115,"body":"good"},{"speaker":"Treichel","startTime":2281.8900625000115,"endTime":2282.4200625000117,"body":"advice."},{"speaker":"Treichel","startTime":2282.4600625000116,"endTime":2282.7300625000116,"body":"Very"},{"speaker":"Treichel","startTime":2282.7300625000116,"endTime":2282.9900625000114,"body":"sound"},{"speaker":"Treichel","startTime":2282.9900625000114,"endTime":2283.5600625000116,"body":"advice."},{"speaker":"Treichel","startTime":2284.3200625000113,"endTime":2284.870062500011,"body":"So"},{"speaker":"Treichel","startTime":2284.8701625000112,"endTime":2284.879962500011,"body":"the"},{"speaker":"Treichel","startTime":2284.8800625000113,"endTime":2285.700062500011,"body":"webinar"},{"speaker":"Treichel","startTime":2285.700062500011,"endTime":2286.100062500011,"body":"itself"},{"speaker":"Treichel","startTime":2286.100062500011,"endTime":2286.3000625000113,"body":"went"},{"speaker":"Treichel","startTime":2286.3000625000113,"endTime":2286.680062500011,"body":"about"},{"speaker":"Treichel","startTime":2286.710062500011,"endTime":2286.980062500011,"body":"went"},{"speaker":"Treichel","startTime":2287.5100625000114,"endTime":2287.6100625000113,"body":"a"},{"speaker":"Treichel","startTime":2287.6100625000113,"endTime":2287.8900625000115,"body":"little"},{"speaker":"Treichel","startTime":2287.8900625000115,"endTime":2288.270062500011,"body":"over"},{"speaker":"Treichel","startTime":2288.3000625000113,"endTime":2288.5700625000113,"body":"probably"},{"speaker":"Treichel","startTime":2288.5700625000113,"endTime":2288.9500625000114,"body":"about"},{"speaker":"Treichel","startTime":2289.4900625000114,"endTime":2290.120062500011,"body":"70"},{"speaker":"Treichel","startTime":2290.1500625000112,"endTime":2290.580062500011,"body":"minutes."},{"speaker":"Treichel","startTime":2290.580062500011,"endTime":2290.830062500011,"body":"About"},{"speaker":"Treichel","startTime":2290.8400625000113,"endTime":2291.0900625000113,"body":"half"},{"speaker":"Treichel","startTime":2291.0900625000113,"endTime":2291.190062500011,"body":"of"},{"speaker":"Treichel","startTime":2291.190062500011,"endTime":2291.410062500011,"body":"that"},{"speaker":"Treichel","startTime":2291.410062500011,"endTime":2291.5700625000113,"body":"was"},{"speaker":"Treichel","startTime":2291.5700625000113,"endTime":2291.870062500011,"body":"actually"},{"speaker":"Treichel","startTime":2291.870062500011,"endTime":2291.960062500011,"body":"the"},{"speaker":"Treichel","startTime":2291.960062500011,"endTime":2292.7800625000114,"body":"presentation."},{"speaker":"Treichel","startTime":2292.7800625000114,"endTime":2292.9900625000114,"body":"That's"},{"speaker":"Treichel","startTime":2292.9900625000114,"endTime":2293.120062500011,"body":"when"},{"speaker":"Treichel","startTime":2293.120062500011,"endTime":2293.230062500011,"body":"they"},{"speaker":"Treichel","startTime":2293.230062500011,"endTime":2293.460062500011,"body":"got"},{"speaker":"Treichel","startTime":2293.460062500011,"endTime":2293.6800620000113,"body":"into"},{"speaker":"Treichel","startTime":2293.6800620000113,"endTime":2293.780061500011,"body":"the"},{"speaker":"Treichel","startTime":2293.7800625000114,"endTime":2294.200062500011,"body":"question"},{"speaker":"Treichel","startTime":2294.200062500011,"endTime":2294.3100620000114,"body":"and"},{"speaker":"Treichel","startTime":2294.3100620000114,"endTime":2294.9000615000114,"body":"answers."},{"speaker":"Treichel","startTime":2295.440062500011,"endTime":2295.770062000011,"body":"And"},{"speaker":"Treichel","startTime":2295.770062000011,"endTime":2295.9800615000113,"body":"there"},{"speaker":"Treichel","startTime":2295.980062500011,"endTime":2296.640062500011,"body":"were"},{"speaker":"Treichel","startTime":2296.670062500011,"endTime":2296.8900620000113,"body":"some"},{"speaker":"Treichel","startTime":2296.8900620000113,"endTime":2297.1700615000113,"body":"good"},{"speaker":"Treichel","startTime":2297.2700615000113,"endTime":2297.9200615000113,"body":"questions."},{"speaker":"Treichel","startTime":2297.9700625000114,"endTime":2298.500062500011,"body":"And"},{"speaker":"Treichel","startTime":2298.510061500011,"endTime":2298.820061500011,"body":"1"},{"speaker":"Treichel","startTime":2298.820061500011,"endTime":2298.850061500011,"body":"of"},{"speaker":"Treichel","startTime":2298.8600625000113,"endTime":2298.990062000011,"body":"the"},{"speaker":"Treichel","startTime":2298.990062000011,"endTime":2299.3800615000114,"body":"biggest"},{"speaker":"Treichel","startTime":2299.3800625000113,"endTime":2299.870062500011,"body":"questions"},{"speaker":"Treichel","startTime":2299.870062500011,"endTime":2300.040062500011,"body":"that"},{"speaker":"Treichel","startTime":2300.040062500011,"endTime":2300.2400625000114,"body":"I"},{"speaker":"Treichel","startTime":2300.2700615000113,"endTime":2300.4600615000113,"body":"was"},{"speaker":"Treichel","startTime":2300.460062500011,"endTime":2300.930062500011,"body":"interested"},{"speaker":"Treichel","startTime":2300.930062500011,"endTime":2301.0500625000113,"body":"in"},{"speaker":"Treichel","startTime":2301.060062500011,"endTime":2301.370062500011,"body":"hearing"},{"speaker":"Treichel","startTime":2301.370062500011,"endTime":2301.540062500011,"body":"how"},{"speaker":"Treichel","startTime":2301.540062500011,"endTime":2301.7200625000114,"body":"they"},{"speaker":"Treichel","startTime":2301.7200625000114,"endTime":2302.2200625000114,"body":"answered"},{"speaker":"Treichel","startTime":2302.370062500011,"endTime":2302.7600625000114,"body":"was"},{"speaker":"Treichel","startTime":2302.790062500011,"endTime":2302.940062500011,"body":"the"},{"speaker":"Treichel","startTime":2302.940062500011,"endTime":2303.3400625000113,"body":"timing"},{"speaker":"Treichel","startTime":2303.3400625000113,"endTime":2303.730062500011,"body":"issue."},{"speaker":"Treichel","startTime":2303.730062500011,"endTime":2304.310062500011,"body":"So."},{"speaker":"Treichel","startTime":2304.530062500011,"endTime":2304.830062500011,"body":"Credit"},{"speaker":"Treichel","startTime":2304.840062500011,"endTime":2305.420062500011,"body":"unions,"},{"speaker":"Treichel","startTime":2305.500062500011,"endTime":2305.690062500011,"body":"as"},{"speaker":"Treichel","startTime":2305.690062500011,"endTime":2305.810062500011,"body":"you"},{"speaker":"Treichel","startTime":2305.810062500011,"endTime":2305.930062500011,"body":"and"},{"speaker":"Treichel","startTime":2305.930062500011,"endTime":2306.030062500011,"body":"I"},{"speaker":"Treichel","startTime":2306.030062500011,"endTime":2306.340062500011,"body":"know,"},{"speaker":"Treichel","startTime":2306.4000625000112,"endTime":2306.730062500011,"body":"since"},{"speaker":"Treichel","startTime":2306.730062500011,"endTime":2307.190062500011,"body":"May,"},{"speaker":"Treichel","startTime":2307.440062500011,"endTime":2307.540062500011,"body":"a"},{"speaker":"Treichel","startTime":2307.540062500011,"endTime":2307.750062500011,"body":"lot"},{"speaker":"Treichel","startTime":2307.750062500011,"endTime":2307.820062500011,"body":"of"},{"speaker":"Treichel","startTime":2307.820062500011,"endTime":2308.080062500011,"body":"credit"},{"speaker":"Treichel","startTime":2308.090062500011,"endTime":2308.610062500011,"body":"unions"},{"speaker":"Treichel","startTime":2308.620062500011,"endTime":2308.840062500011,"body":"have"},{"speaker":"Treichel","startTime":2308.840062500011,"endTime":2309.190062500011,"body":"received"},{"speaker":"Treichel","startTime":2309.200062500011,"endTime":2309.620062500011,"body":"document"},{"speaker":"Treichel","startTime":2309.640062500011,"endTime":2310.660062500011,"body":"resolutions"},{"speaker":"Treichel","startTime":2311.020062500011,"endTime":2311.500062500011,"body":"simply"},{"speaker":"Treichel","startTime":2311.500062500011,"endTime":2312.010062500011,"body":"because,"},{"speaker":"Treichel","startTime":2312.080062500011,"endTime":2312.680062500011,"body":"perhaps"},{"speaker":"Treichel","startTime":2312.690062500011,"endTime":2313.180062000011,"body":"simply"},{"speaker":"Treichel","startTime":2313.180062000011,"endTime":2313.820061500011,"body":"because"},{"speaker":"Treichel","startTime":2313.8800625000113,"endTime":2314.300062500011,"body":"the"},{"speaker":"Treichel","startTime":2315.120061500011,"endTime":2315.6500615000114,"body":"previous"},{"speaker":"Treichel","startTime":2315.6500625000112,"endTime":2316.080062500011,"body":"guidance"},{"speaker":"Treichel","startTime":2316.1100625000113,"endTime":2316.7500620000114,"body":"required"},{"speaker":"Treichel","startTime":2316.7500620000114,"endTime":2316.9000615000114,"body":"that"},{"speaker":"Treichel","startTime":2316.9000625000112,"endTime":2317.020062500011,"body":"the"},{"speaker":"Treichel","startTime":2317.020062500011,"endTime":2317.790062500011,"body":"examiner"},{"speaker":"Treichel","startTime":2317.8600625000113,"endTime":2318.310062500011,"body":"give"},{"speaker":"Treichel","startTime":2318.350062500011,"endTime":2318.4700625000114,"body":"the"},{"speaker":"Treichel","startTime":2318.4700625000114,"endTime":2318.7800625000114,"body":"credit"},{"speaker":"Treichel","startTime":2318.7900615000112,"endTime":2319.240061500011,"body":"union"},{"speaker":"Treichel","startTime":2319.6100625000113,"endTime":2319.790062500011,"body":"a"},{"speaker":"Treichel","startTime":2319.8200625000113,"endTime":2320.2200625000114,"body":"document"},{"speaker":"Treichel","startTime":2320.2200625000114,"endTime":2321.040062500011,"body":"resolution."},{"speaker":"Treichel","startTime":2321.5200625000116,"endTime":2321.7300625000116,"body":"if"},{"speaker":"Treichel","startTime":2321.7300625000116,"endTime":2321.8800625000113,"body":"they"},{"speaker":"Treichel","startTime":2321.8800625000113,"endTime":2322.0400625000116,"body":"were"},{"speaker":"Treichel","startTime":2322.0400625000116,"endTime":2322.3900625000115,"body":"rated"},{"speaker":"Treichel","startTime":2322.3900625000115,"endTime":2322.5800625000115,"body":"as"},{"speaker":"Treichel","startTime":2322.5800625000115,"endTime":2323.1700625000117,"body":"extreme."},{"speaker":"Treichel","startTime":2323.1700625000117,"endTime":2323.5200625000116,"body":"So"},{"speaker":"Treichel","startTime":2323.7300625000116,"endTime":2323.8900625000115,"body":"there"},{"speaker":"Treichel","startTime":2323.8900625000115,"endTime":2324.0000625000116,"body":"were"},{"speaker":"Treichel","startTime":2324.0000625000116,"endTime":2324.0600625000116,"body":"a"},{"speaker":"Treichel","startTime":2324.0600625000116,"endTime":2324.3500625000115,"body":"couple"},{"speaker":"Treichel","startTime":2324.3500625000115,"endTime":2324.6600625000115,"body":"different"},{"speaker":"Treichel","startTime":2324.6600625000115,"endTime":2325.2000625000114,"body":"questions"},{"speaker":"Treichel","startTime":2325.2000625000114,"endTime":2325.7800625000114,"body":"relative"},{"speaker":"Treichel","startTime":2325.7800625000114,"endTime":2326.1400625000115,"body":"to,"},{"speaker":"Treichel","startTime":2326.4100625000115,"endTime":2326.5400625000116,"body":"all"},{"speaker":"Treichel","startTime":2326.5400625000116,"endTime":2326.7600625000114,"body":"right,"},{"speaker":"Treichel","startTime":2326.7600625000114,"endTime":2326.8800625000113,"body":"so"},{"speaker":"Treichel","startTime":2326.8800625000113,"endTime":2326.9400625000117,"body":"I"},{"speaker":"Treichel","startTime":2326.9400625000117,"endTime":2327.2000625000114,"body":"got"},{"speaker":"Treichel","startTime":2327.2000625000114,"endTime":2327.2500625000116,"body":"a"},{"speaker":"Treichel","startTime":2327.2500625000116,"endTime":2327.6300625000113,"body":"document"},{"speaker":"Treichel","startTime":2327.6400625000115,"endTime":2328.5200625000116,"body":"resolution."},{"speaker":"Treichel","startTime":2328.8100625000116,"endTime":2329.1000625000115,"body":"What"},{"speaker":"Treichel","startTime":2329.1100625000113,"endTime":2329.7800625000114,"body":"happens"},{"speaker":"Treichel","startTime":2329.8600625000113,"endTime":2330.1400625000115,"body":"now"},{"speaker":"Treichel","startTime":2330.1400625000115,"endTime":2330.4800625000116,"body":"that"},{"speaker":"Treichel","startTime":2330.7400625000114,"endTime":2330.8900625000115,"body":"I"},{"speaker":"Treichel","startTime":2330.8900625000115,"endTime":2331.0800625000115,"body":"was"},{"speaker":"Treichel","startTime":2331.0800625000115,"endTime":2331.3900625000115,"body":"rated"},{"speaker":"Treichel","startTime":2331.3900625000115,"endTime":2331.8600620000116,"body":"extreme,"},{"speaker":"Treichel","startTime":2331.8600620000116,"endTime":2332.0200615000113,"body":"which"},{"speaker":"Treichel","startTime":2332.0200625000116,"endTime":2332.440062500011,"body":"required"},{"speaker":"Treichel","startTime":2332.4700625000114,"endTime":2332.6000625000115,"body":"me"},{"speaker":"Treichel","startTime":2332.6000625000115,"endTime":2332.6900620000115,"body":"to"},{"speaker":"Treichel","startTime":2332.6900620000115,"endTime":2332.8400615000114,"body":"get"},{"speaker":"Treichel","startTime":2332.8400625000113,"endTime":2332.8800625000113,"body":"a"},{"speaker":"Treichel","startTime":2332.8800625000113,"endTime":2333.2000625000114,"body":"document"},{"speaker":"Treichel","startTime":2333.2000625000114,"endTime":2333.960062500011,"body":"resolution?"},{"speaker":"Treichel","startTime":2334.0000625000116,"endTime":2334.3100625000116,"body":"Now"},{"speaker":"Treichel","startTime":2334.3400625000113,"endTime":2334.7700620000114,"body":"extreme"},{"speaker":"Treichel","startTime":2334.7700620000114,"endTime":2335.080061500011,"body":"doesn't"},{"speaker":"Treichel","startTime":2335.0800625000115,"endTime":2335.8000625000113,"body":"exist."},{"speaker":"Treichel","startTime":2336.1300625000113,"endTime":2336.5000625000116,"body":"What"},{"speaker":"Treichel","startTime":2336.5000625000116,"endTime":2336.6900620000115,"body":"is"},{"speaker":"Treichel","startTime":2336.6900620000115,"endTime":2337.3200615000114,"body":"NCUA"},{"speaker":"Treichel","startTime":2337.3300625000115,"endTime":2337.6600625000115,"body":"going"},{"speaker":"Treichel","startTime":2337.6700615000113,"endTime":2337.9100615000116,"body":"to"},{"speaker":"Treichel","startTime":2337.9200615000113,"endTime":2338.2200615000115,"body":"do"},{"speaker":"Treichel","startTime":2338.2300625000116,"endTime":2338.8800625000113,"body":"relative"},{"speaker":"Treichel","startTime":2338.8800625000113,"endTime":2339.0000620000114,"body":"to"},{"speaker":"Treichel","startTime":2339.0000620000114,"endTime":2339.2900615000112,"body":"that?"},{"speaker":"Treichel","startTime":2339.3000625000113,"endTime":2339.5200620000114,"body":"Any"},{"speaker":"Treichel","startTime":2339.5200620000114,"endTime":2340.0500615000115,"body":"thoughts"},{"speaker":"Treichel","startTime":2340.2000625000114,"endTime":2340.8600625000113,"body":"relative"},{"speaker":"Treichel","startTime":2340.8600625000113,"endTime":2341.1800625000114,"body":"to"},{"speaker":"Treichel","startTime":2341.1800625000114,"endTime":2341.690062500011,"body":"the,"},{"speaker":"Treichel","startTime":2341.9300625000114,"endTime":2342.0700625000113,"body":"or"},{"speaker":"Treichel","startTime":2342.0700625000113,"endTime":2342.2300625000116,"body":"could"},{"speaker":"Treichel","startTime":2342.2300625000116,"endTime":2342.3600625000113,"body":"you"},{"speaker":"Treichel","startTime":2342.3600625000113,"endTime":2342.960062500011,"body":"summarize"},{"speaker":"Treichel","startTime":2343.0000625000116,"endTime":2343.2200625000114,"body":"what"},{"speaker":"Treichel","startTime":2343.2300625000116,"endTime":2343.4900625000114,"body":"you"},{"speaker":"Treichel","startTime":2343.5000625000116,"endTime":2343.7400625000114,"body":"heard"},{"speaker":"Treichel","startTime":2343.7400625000114,"endTime":2343.9100625000115,"body":"as"},{"speaker":"Treichel","startTime":2343.9100625000115,"endTime":2344.0600625000116,"body":"the"},{"speaker":"Treichel","startTime":2344.0600625000116,"endTime":2344.5600625000116,"body":"answers"},{"speaker":"Treichel","startTime":2344.5600625000116,"endTime":2344.7400625000114,"body":"that"},{"speaker":"Treichel","startTime":2344.7400625000114,"endTime":2344.8700625000115,"body":"they"},{"speaker":"Treichel","startTime":2344.8700625000115,"endTime":2345.1000625000115,"body":"gave"},{"speaker":"Treichel","startTime":2345.1000625000115,"endTime":2345.460062500011,"body":"relative"},{"speaker":"Treichel","startTime":2345.460062500011,"endTime":2345.5300625000114,"body":"to"},{"speaker":"Treichel","startTime":2345.5300625000114,"endTime":2345.7800625000114,"body":"that?"},{"speaker":"Treichel","startTime":2345.7800625000114,"endTime":2345.9700625000114,"body":"Any"},{"speaker":"Treichel","startTime":2345.9800625000116,"endTime":2346.3100625000116,"body":"thoughts"},{"speaker":"Treichel","startTime":2346.3100625000116,"endTime":2346.4500625000114,"body":"on"},{"speaker":"Treichel","startTime":2346.4500625000114,"endTime":2346.6400625000115,"body":"that?"},{"speaker":"Miller","startTime":2347.1500625000112,"endTime":2347.270062500011,"body":"I"},{"speaker":"Miller","startTime":2347.270062500011,"endTime":2347.490062500011,"body":"can"},{"speaker":"Miller","startTime":2347.510062500011,"endTime":2348.100062500011,"body":"summarize"},{"speaker":"Miller","startTime":2348.100062500011,"endTime":2348.250062500011,"body":"it"},{"speaker":"Miller","startTime":2348.250062500011,"endTime":2348.370062500011,"body":"and"},{"speaker":"Miller","startTime":2348.370062500011,"endTime":2348.500062500011,"body":"then"},{"speaker":"Miller","startTime":2348.500062500011,"endTime":2348.580062500011,"body":"I"},{"speaker":"Miller","startTime":2348.580062500011,"endTime":2348.800062500011,"body":"can"},{"speaker":"Miller","startTime":2348.800062500011,"endTime":2348.970062500011,"body":"tell"},{"speaker":"Miller","startTime":2348.970062500011,"endTime":2349.130062500011,"body":"you"},{"speaker":"Miller","startTime":2349.130062500011,"endTime":2349.420062500011,"body":"what"},{"speaker":"Miller","startTime":2349.420062500011,"endTime":2349.760062500011,"body":"wasn't"},{"speaker":"Miller","startTime":2349.760062500011,"endTime":2350.020062500011,"body":"said"},{"speaker":"Miller","startTime":2350.020062500011,"endTime":2350.210062500011,"body":"too,"},{"speaker":"Miller","startTime":2350.210062500011,"endTime":2350.420062500011,"body":"which"},{"speaker":"Miller","startTime":2350.420062500011,"endTime":2350.610062500011,"body":"is"},{"speaker":"Miller","startTime":2350.660062500011,"endTime":2351.160062500011,"body":"almost"},{"speaker":"Miller","startTime":2351.190062500011,"endTime":2351.430062500011,"body":"as"},{"speaker":"Miller","startTime":2351.430062500011,"endTime":2352.140062500011,"body":"interesting."},{"speaker":"Miller","startTime":2352.5800625000115,"endTime":2352.8700625000115,"body":"So"},{"speaker":"Miller","startTime":2352.8800625000113,"endTime":2353.020062500011,"body":"they"},{"speaker":"Miller","startTime":2353.020062500011,"endTime":2353.2400625000114,"body":"said"},{"speaker":"Miller","startTime":2353.2400625000114,"endTime":2353.3400625000113,"body":"the"},{"speaker":"Miller","startTime":2353.3400625000113,"endTime":2353.750062500011,"body":"region,"},{"speaker":"Miller","startTime":2353.750062500011,"endTime":2353.9000625000112,"body":"if"},{"speaker":"Miller","startTime":2353.9300625000114,"endTime":2354.1800625000114,"body":"you're"},{"speaker":"Miller","startTime":2354.1800625000114,"endTime":2354.3500625000115,"body":"one"},{"speaker":"Miller","startTime":2354.3500625000115,"endTime":2354.4300625000114,"body":"of"},{"speaker":"Miller","startTime":2354.4300625000114,"endTime":2354.5900625000113,"body":"these"},{"speaker":"Miller","startTime":2354.5900625000113,"endTime":2354.960062500011,"body":"cruddies"},{"speaker":"Miller","startTime":2354.980062500011,"endTime":2355.1700620000115,"body":"that"},{"speaker":"Miller","startTime":2355.1700620000115,"endTime":2355.3600615000114,"body":"hit"},{"speaker":"Miller","startTime":2355.3600625000113,"endTime":2355.8500625000115,"body":"extreme"},{"speaker":"Miller","startTime":2355.8500625000115,"endTime":2356.0900625000113,"body":"risk"},{"speaker":"Miller","startTime":2356.0900625000113,"endTime":2356.380062000011,"body":"because"},{"speaker":"Miller","startTime":2356.380062000011,"endTime":2356.4400615000113,"body":"of"},{"speaker":"Miller","startTime":2356.4600615000113,"endTime":2356.600061500011,"body":"the"},{"speaker":"Miller","startTime":2356.6000625000115,"endTime":2357.310062500011,"body":"supervisory"},{"speaker":"Miller","startTime":2357.310062500011,"endTime":2357.7200625000114,"body":"testing,"},{"speaker":"Miller","startTime":2357.7200625000114,"endTime":2357.8400625000113,"body":"you"},{"speaker":"Miller","startTime":2357.8400625000113,"endTime":2358.310062500011,"body":"received"},{"speaker":"Miller","startTime":2358.310062500011,"endTime":2358.3700625000115,"body":"a"},{"speaker":"Miller","startTime":2358.3700625000115,"endTime":2358.6800625000114,"body":"door"},{"speaker":"Miller","startTime":2358.6800625000114,"endTime":2358.8300620000114,"body":"to"},{"speaker":"Miller","startTime":2358.8300620000114,"endTime":2359.100061500011,"body":"send"},{"speaker":"Miller","startTime":2359.1000625000115,"endTime":2359.2100620000115,"body":"in"},{"speaker":"Miller","startTime":2359.2100620000115,"endTime":2359.2700615000113,"body":"a"},{"speaker":"Miller","startTime":2359.270062500011,"endTime":2359.6600625000115,"body":"plant"},{"speaker":"Miller","startTime":2359.6700615000113,"endTime":2359.9400615000113,"body":"during"},{"speaker":"Miller","startTime":2359.940062500011,"endTime":2360.0400620000114,"body":"the"},{"speaker":"Miller","startTime":2360.0400620000114,"endTime":2360.6700615000113,"body":"webinar,"},{"speaker":"Miller","startTime":2360.6700615000113,"endTime":2360.8600615000114,"body":"what"},{"speaker":"Miller","startTime":2360.8600625000113,"endTime":2360.9900625000114,"body":"they"},{"speaker":"Miller","startTime":2361.0000615000113,"endTime":2361.2900615000112,"body":"said"},{"speaker":"Miller","startTime":2361.2900615000112,"endTime":2361.6500615000114,"body":"is"},{"speaker":"Miller","startTime":2361.6800625000114,"endTime":2361.8600625000113,"body":"the"},{"speaker":"Miller","startTime":2361.8600625000113,"endTime":2362.230062500011,"body":"region"},{"speaker":"Miller","startTime":2362.230062500011,"endTime":2362.3700625000115,"body":"is"},{"speaker":"Miller","startTime":2362.4000625000112,"endTime":2362.6800625000114,"body":"going"},{"speaker":"Miller","startTime":2362.6800625000114,"endTime":2362.810062500011,"body":"to"},{"speaker":"Miller","startTime":2362.810062500011,"endTime":2362.9900625000114,"body":"go"},{"speaker":"Miller","startTime":2363.0000615000113,"endTime":2363.2900615000112,"body":"back"},{"speaker":"Miller","startTime":2363.3200625000113,"endTime":2363.4000625000112,"body":"and"},{"speaker":"Miller","startTime":2363.4000625000112,"endTime":2363.8500620000113,"body":"assess"},{"speaker":"Miller","startTime":2363.8500620000113,"endTime":2364.080061500011,"body":"those"},{"speaker":"Miller","startTime":2364.100061500011,"endTime":2364.4500615000115,"body":"doors"},{"speaker":"Miller","startTime":2364.4500615000115,"endTime":2364.620061500011,"body":"and"},{"speaker":"Miller","startTime":2364.620061500011,"endTime":2364.700061500011,"body":"they"},{"speaker":"Miller","startTime":2364.7000615000115,"endTime":2364.8600615000114,"body":"will"},{"speaker":"Miller","startTime":2364.870061500011,"endTime":2365.330061500011,"body":"contact"},{"speaker":"Miller","startTime":2365.3301615000114,"endTime":2365.5549625000112,"body":"you."},{"speaker":"Miller","startTime":2366.435062500011,"endTime":2366.7850625000115,"body":"What"},{"speaker":"Miller","startTime":2366.795062500011,"endTime":2367.2850625000115,"body":"wasn't"},{"speaker":"Miller","startTime":2367.315062500011,"endTime":2367.7850625000115,"body":"said"},{"speaker":"Miller","startTime":2367.7850625000115,"endTime":2368.3050625000114,"body":"is"},{"speaker":"Miller","startTime":2368.4650625000113,"endTime":2368.7450625000115,"body":"what"},{"speaker":"Miller","startTime":2368.7750625000112,"endTime":2369.5950625000114,"body":"criteria"},{"speaker":"Miller","startTime":2369.5950625000114,"endTime":2369.725062500011,"body":"are"},{"speaker":"Miller","startTime":2369.725062500011,"endTime":2369.9250625000113,"body":"they"},{"speaker":"Miller","startTime":2369.9250625000113,"endTime":2370.205062500011,"body":"going"},{"speaker":"Miller","startTime":2370.205062500011,"endTime":2370.335062500011,"body":"to"},{"speaker":"Miller","startTime":2370.3450625000114,"endTime":2370.7650625000115,"body":"use"},{"speaker":"Miller","startTime":2370.7650625000115,"endTime":2370.975062500011,"body":"to"},{"speaker":"Miller","startTime":2370.975062500011,"endTime":2371.435062500011,"body":"assess"},{"speaker":"Miller","startTime":2371.435062500011,"endTime":2371.725062500011,"body":"those"},{"speaker":"Miller","startTime":2371.7350625000113,"endTime":2372.295062500011,"body":"doors,"},{"speaker":"Miller","startTime":2372.7850625000115,"endTime":2373.795062500011,"body":"and"},{"speaker":"Miller","startTime":2374.045062500011,"endTime":2374.1950625000113,"body":"are"},{"speaker":"Miller","startTime":2374.1950625000113,"endTime":2374.315062500011,"body":"they"},{"speaker":"Miller","startTime":2374.315062500011,"endTime":2374.4250625000113,"body":"going"},{"speaker":"Miller","startTime":2374.4250625000113,"endTime":2374.4650625000113,"body":"to"},{"speaker":"Miller","startTime":2374.4650625000113,"endTime":2374.9950625000115,"body":"contact"},{"speaker":"Miller","startTime":2374.9950625000115,"endTime":2375.2650625000115,"body":"you"},{"speaker":"Miller","startTime":2375.2650625000115,"endTime":2375.4450625000113,"body":"if"},{"speaker":"Miller","startTime":2375.4650625000113,"endTime":2375.685062500011,"body":"your"},{"speaker":"Miller","startTime":2375.6950625000113,"endTime":2375.9950625000115,"body":"door"},{"speaker":"Miller","startTime":2375.9950625000115,"endTime":2376.2350625000113,"body":"might"},{"speaker":"Miller","startTime":2376.2350625000113,"endTime":2376.3650625000114,"body":"be"},{"speaker":"Miller","startTime":2376.3650625000114,"endTime":2377.2050620000114,"body":"modified,"},{"speaker":"Miller","startTime":2377.2050620000114,"endTime":2377.2550615000114,"body":"or"},{"speaker":"Miller","startTime":2377.2550625000113,"endTime":2377.355062500011,"body":"are"},{"speaker":"Miller","startTime":2377.355062500011,"endTime":2377.6150625000114,"body":"they"},{"speaker":"Miller","startTime":2377.645062500011,"endTime":2377.9250625000113,"body":"not"},{"speaker":"Miller","startTime":2377.9250625000113,"endTime":2378.045062000011,"body":"going"},{"speaker":"Miller","startTime":2378.045062000011,"endTime":2378.1250615000113,"body":"to"},{"speaker":"Miller","startTime":2378.1350625000114,"endTime":2378.6750625000113,"body":"contact"},{"speaker":"Miller","startTime":2378.6750625000113,"endTime":2378.7850625000115,"body":"you"},{"speaker":"Miller","startTime":2378.7850625000115,"endTime":2378.915062500011,"body":"if"},{"speaker":"Miller","startTime":2378.9250625000113,"endTime":2379.105062500011,"body":"your"},{"speaker":"Miller","startTime":2379.105062500011,"endTime":2379.435062500011,"body":"door"},{"speaker":"Miller","startTime":2379.435062500011,"endTime":2379.645062500011,"body":"is"},{"speaker":"Miller","startTime":2380.0750625000114,"endTime":2380.395062500011,"body":"not"},{"speaker":"Miller","startTime":2380.4050625000114,"endTime":2381.2450625000115,"body":"modified."},{"speaker":"Miller","startTime":2381.7150625000113,"endTime":2382.3650625000114,"body":"So"},{"speaker":"Miller","startTime":2382.3750615000113,"endTime":2382.6150615000115,"body":"they're"},{"speaker":"Miller","startTime":2382.6150615000115,"endTime":2382.785061500011,"body":"going"},{"speaker":"Miller","startTime":2382.785061500011,"endTime":2382.8850615000115,"body":"to"},{"speaker":"Miller","startTime":2382.9050625000114,"endTime":2383.1750625000113,"body":"turn"},{"speaker":"Miller","startTime":2383.175063500011,"endTime":2383.2850635000113,"body":"it"},{"speaker":"Miller","startTime":2383.3050625000114,"endTime":2383.6750625000113,"body":"back"},{"speaker":"Miller","startTime":2383.705061500011,"endTime":2384.095061500011,"body":"over"},{"speaker":"Miller","startTime":2384.095061500011,"endTime":2384.2950615000113,"body":"to"},{"speaker":"Miller","startTime":2384.2950615000113,"endTime":2384.435061500011,"body":"the"},{"speaker":"Miller","startTime":2384.4450615000114,"endTime":2385.0250615000114,"body":"regional"},{"speaker":"Miller","startTime":2385.035061500011,"endTime":2386.0850615000113,"body":"directors"},{"speaker":"Miller","startTime":2386.0850615000113,"endTime":2386.765061500011,"body":"to"},{"speaker":"Miller","startTime":2386.7750615000114,"endTime":2387.055061500011,"body":"go"},{"speaker":"Miller","startTime":2387.055061500011,"endTime":2387.5050615000114,"body":"through"},{"speaker":"Miller","startTime":2387.5050615000114,"endTime":2387.7750615000114,"body":"and"},{"speaker":"Miller","startTime":2388.1050615000113,"endTime":2388.6150615000115,"body":"assess"},{"speaker":"Miller","startTime":2388.6150615000115,"endTime":2388.995061500011,"body":"doors"},{"speaker":"Miller","startTime":2388.995061500011,"endTime":2389.1450615000113,"body":"that"},{"speaker":"Miller","startTime":2389.1450615000113,"endTime":2389.285061500011,"body":"have"},{"speaker":"Miller","startTime":2389.285061500011,"endTime":2389.6350615000115,"body":"already"},{"speaker":"Miller","startTime":2389.6350615000115,"endTime":2389.8150615000113,"body":"been"},{"speaker":"Miller","startTime":2389.8150615000113,"endTime":2390.2150615000114,"body":"issued"},{"speaker":"Miller","startTime":2390.2150615000114,"endTime":2390.3950615000113,"body":"and"},{"speaker":"Miller","startTime":2390.3950615000113,"endTime":2390.9150615000112,"body":"determine"},{"speaker":"Miller","startTime":2390.975062500011,"endTime":2391.145062500011,"body":"what"},{"speaker":"Miller","startTime":2391.145062500011,"endTime":2391.545062500011,"body":"happens"},{"speaker":"Miller","startTime":2391.545062500011,"endTime":2391.7350625000113,"body":"with"},{"speaker":"Miller","startTime":2391.7350625000113,"endTime":2391.855062500011,"body":"them."},{"speaker":"Miller","startTime":2392.6950625000113,"endTime":2393.3250625000114,"body":"And."},{"speaker":"Miller","startTime":2393.705062500011,"endTime":2393.845062500011,"body":"Like"},{"speaker":"Miller","startTime":2393.845062500011,"endTime":2393.855062500011,"body":"I"},{"speaker":"Miller","startTime":2393.875062500011,"endTime":2394.175062500011,"body":"said,"},{"speaker":"Miller","startTime":2394.255062500011,"endTime":2394.455062500011,"body":"the"},{"speaker":"Miller","startTime":2394.455062500011,"endTime":2395.055062500011,"body":"interesting"},{"speaker":"Miller","startTime":2395.055062500011,"endTime":2395.265062500011,"body":"part"},{"speaker":"Miller","startTime":2395.265062500011,"endTime":2395.345062500011,"body":"of"},{"speaker":"Miller","startTime":2395.345062500011,"endTime":2395.445062500011,"body":"the"},{"speaker":"Miller","startTime":2395.445062500011,"endTime":2396.005062500011,"body":"webinar"},{"speaker":"Miller","startTime":2396.005062500011,"endTime":2396.245062500011,"body":"is"},{"speaker":"Miller","startTime":2396.305062500011,"endTime":2396.615062500011,"body":"they"},{"speaker":"Miller","startTime":2396.805062500011,"endTime":2397.175062500011,"body":"didn't"},{"speaker":"Miller","startTime":2397.205062500011,"endTime":2397.895062500011,"body":"say"},{"speaker":"Miller","startTime":2397.905062500011,"endTime":2398.225062500011,"body":"what"},{"speaker":"Miller","startTime":2398.225062500011,"endTime":2399.185062500011,"body":"criteria"},{"speaker":"Miller","startTime":2399.225062500011,"endTime":2399.395062500011,"body":"the"},{"speaker":"Miller","startTime":2399.405062500011,"endTime":2399.865062500011,"body":"regions"},{"speaker":"Miller","startTime":2399.875062500011,"endTime":2400.095062500011,"body":"will"},{"speaker":"Miller","startTime":2400.095062500011,"endTime":2400.505062500011,"body":"use"},{"speaker":"Miller","startTime":2400.505062500011,"endTime":2400.635062500011,"body":"to"},{"speaker":"Miller","startTime":2400.635062500011,"endTime":2400.865062500011,"body":"do"},{"speaker":"Miller","startTime":2400.865062500011,"endTime":2401.145062500011,"body":"that."},{"speaker":"Miller","startTime":2402.0850625000107,"endTime":2402.235062500011,"body":"In"},{"speaker":"Miller","startTime":2402.235062500011,"endTime":2402.345062500011,"body":"the"},{"speaker":"Miller","startTime":2402.345062500011,"endTime":2402.5650625000108,"body":"new"},{"speaker":"Miller","startTime":2402.5850625000107,"endTime":2403.095062500011,"body":"guidance,"},{"speaker":"Miller","startTime":2403.095062500011,"endTime":2403.3550625000107,"body":"there's"},{"speaker":"Miller","startTime":2403.365062500011,"endTime":2403.405062500011,"body":"a"},{"speaker":"Miller","startTime":2403.405062500011,"endTime":2403.915062500011,"body":"whole"},{"speaker":"Miller","startTime":2403.925061500011,"endTime":2404.135061500011,"body":"set"},{"speaker":"Miller","startTime":2404.135062500011,"endTime":2404.275062500011,"body":"of"},{"speaker":"Miller","startTime":2404.275062500011,"endTime":2404.635062500011,"body":"extra"},{"speaker":"Miller","startTime":2404.645062500011,"endTime":2405.015062500011,"body":"steps"},{"speaker":"Miller","startTime":2405.015062500011,"endTime":2405.225062500011,"body":"for"},{"speaker":"Miller","startTime":2405.225062500011,"endTime":2406.055062500011,"body":"examiners"},{"speaker":"Miller","startTime":2406.5050615000114,"endTime":2406.6350615000115,"body":"to"},{"speaker":"Miller","startTime":2406.6350625000114,"endTime":2406.8250625000114,"body":"go"},{"speaker":"Miller","startTime":2406.8250625000114,"endTime":2407.2150625000113,"body":"through"},{"speaker":"Miller","startTime":2407.2150625000113,"endTime":2407.3650625000114,"body":"and"},{"speaker":"Miller","startTime":2407.3650625000114,"endTime":2408.0050625000113,"body":"assess"},{"speaker":"Miller","startTime":2408.455062500011,"endTime":2408.625062500011,"body":"the"},{"speaker":"Miller","startTime":2408.625062500011,"endTime":2409.365062500011,"body":"sources,"},{"speaker":"Miller","startTime":2409.615062500011,"endTime":2409.8850625000114,"body":"how"},{"speaker":"Miller","startTime":2409.895062500011,"endTime":2410.085062500011,"body":"that"},{"speaker":"Miller","startTime":2410.095061500011,"endTime":2410.475061500011,"body":"interest,"},{"speaker":"Miller","startTime":2410.5050615000114,"endTime":2410.715061500011,"body":"what"},{"speaker":"Miller","startTime":2410.7150625000113,"endTime":2410.9950620000113,"body":"made"},{"speaker":"Miller","startTime":2410.9950620000113,"endTime":2411.185061500011,"body":"that"},{"speaker":"Miller","startTime":2411.875062500011,"endTime":2412.3050620000113,"body":"rating"},{"speaker":"Miller","startTime":2412.3050620000113,"endTime":2412.8350615000113,"body":"change."},{"speaker":"Miller","startTime":2412.9150615000112,"endTime":2413.195061500011,"body":"And"},{"speaker":"Miller","startTime":2413.205062500011,"endTime":2413.4250625000113,"body":"you"},{"speaker":"Miller","startTime":2413.435062500011,"endTime":2413.6350625000114,"body":"have"},{"speaker":"Miller","startTime":2413.6450615000113,"endTime":2414.055061500011,"body":"clients,"},{"speaker":"Miller","startTime":2414.065062500011,"endTime":2414.185062500011,"body":"they"},{"speaker":"Miller","startTime":2414.185062500011,"endTime":2414.4250625000113,"body":"went"},{"speaker":"Miller","startTime":2414.435062500011,"endTime":2414.705062500011,"body":"from"},{"speaker":"Miller","startTime":2414.7150625000113,"endTime":2415.265062500011,"body":"moderate"},{"speaker":"Miller","startTime":2415.285062500011,"endTime":2415.4450625000113,"body":"to"},{"speaker":"Miller","startTime":2415.4450625000113,"endTime":2416.125062500011,"body":"extreme"},{"speaker":"Miller","startTime":2416.375062500011,"endTime":2416.5050625000113,"body":"in"},{"speaker":"Miller","startTime":2416.5050625000113,"endTime":2416.555062500011,"body":"a"},{"speaker":"Miller","startTime":2416.555062500011,"endTime":2416.9450625000113,"body":"quarter,"},{"speaker":"Miller","startTime":2417.465062500011,"endTime":2417.715062500011,"body":"even"},{"speaker":"Miller","startTime":2417.715062500011,"endTime":2417.845062500011,"body":"though"},{"speaker":"Miller","startTime":2417.845062500011,"endTime":2417.975062500011,"body":"their"},{"speaker":"Miller","startTime":2417.975062500011,"endTime":2418.315062500011,"body":"balance"},{"speaker":"Miller","startTime":2418.335062500011,"endTime":2418.665062500011,"body":"sheets"},{"speaker":"Miller","startTime":2418.665062500011,"endTime":2418.935062500011,"body":"didn't"},{"speaker":"Miller","startTime":2418.935062500011,"endTime":2419.515062500011,"body":"change,"},{"speaker":"Miller","startTime":2419.565062500011,"endTime":2419.715062500011,"body":"the"},{"speaker":"Miller","startTime":2419.715062500011,"endTime":2420.145062500011,"body":"guidance."},{"speaker":"Miller","startTime":2420.710062500011,"endTime":2421.180062500011,"body":"Says"},{"speaker":"Miller","startTime":2421.180062500011,"endTime":2421.800062500011,"body":"examiners"},{"speaker":"Miller","startTime":2421.800062500011,"endTime":2421.880062500011,"body":"in"},{"speaker":"Miller","startTime":2421.880062500011,"endTime":2421.980062500011,"body":"the"},{"speaker":"Miller","startTime":2421.980062500011,"endTime":2422.410062500011,"body":"future"},{"speaker":"Miller","startTime":2422.410062500011,"endTime":2422.480062500011,"body":"are"},{"speaker":"Miller","startTime":2422.480062500011,"endTime":2422.750062500011,"body":"going"},{"speaker":"Miller","startTime":2422.750062500011,"endTime":2422.870062500011,"body":"to"},{"speaker":"Miller","startTime":2422.870062500011,"endTime":2423.330062500011,"body":"assess"},{"speaker":"Miller","startTime":2423.330062500011,"endTime":2423.530062500011,"body":"what"},{"speaker":"Miller","startTime":2423.530062500011,"endTime":2423.860062500011,"body":"caused"},{"speaker":"Miller","startTime":2423.890062500011,"endTime":2424.230062500011,"body":"that."},{"speaker":"Miller","startTime":2424.8400625000113,"endTime":2425.060062500011,"body":"I'm"},{"speaker":"Miller","startTime":2425.060062500011,"endTime":2425.2600625000114,"body":"just"},{"speaker":"Miller","startTime":2425.2600625000114,"endTime":2425.4000625000112,"body":"going"},{"speaker":"Miller","startTime":2425.4000625000112,"endTime":2425.7200625000114,"body":"to"},{"speaker":"Miller","startTime":2425.730062500011,"endTime":2426.7600625000114,"body":"surmise"},{"speaker":"Miller","startTime":2426.790062500011,"endTime":2427.140062500011,"body":"that"},{"speaker":"Miller","startTime":2427.210062500011,"endTime":2427.450062500011,"body":"for"},{"speaker":"Miller","startTime":2427.450062500011,"endTime":2427.680062500011,"body":"these"},{"speaker":"Miller","startTime":2427.680062500011,"endTime":2427.9900625000114,"body":"credit"},{"speaker":"Miller","startTime":2427.9900625000114,"endTime":2428.170062500011,"body":"unions"},{"speaker":"Miller","startTime":2428.170062500011,"endTime":2428.310062500011,"body":"that"},{"speaker":"Miller","startTime":2428.310062500011,"endTime":2428.440062500011,"body":"have"},{"speaker":"Miller","startTime":2428.440062500011,"endTime":2428.870062500011,"body":"already"},{"speaker":"Miller","startTime":2428.870062500011,"endTime":2429.310062500011,"body":"received"},{"speaker":"Miller","startTime":2429.3200625000113,"endTime":2429.730062500011,"body":"doors"},{"speaker":"Miller","startTime":2429.730062500011,"endTime":2429.870062500011,"body":"that"},{"speaker":"Miller","startTime":2429.870062500011,"endTime":2429.980062500011,"body":"the"},{"speaker":"Miller","startTime":2429.980062500011,"endTime":2430.6300625000113,"body":"regions"},{"speaker":"Miller","startTime":2430.660062500011,"endTime":2430.9300620000113,"body":"have"},{"speaker":"Miller","startTime":2430.9300620000113,"endTime":2431.030061500011,"body":"to"},{"speaker":"Miller","startTime":2431.0300625000114,"endTime":2431.200062500011,"body":"go"},{"speaker":"Miller","startTime":2431.210062500011,"endTime":2431.460062500011,"body":"back"},{"speaker":"Miller","startTime":2431.460062500011,"endTime":2431.6100625000113,"body":"and"},{"speaker":"Miller","startTime":2431.6100625000113,"endTime":2432.160062500011,"body":"reassess"},{"speaker":"Miller","startTime":2432.160062500011,"endTime":2432.3000625000113,"body":"is"},{"speaker":"Miller","startTime":2432.310061500011,"endTime":2432.530061500011,"body":"they'll"},{"speaker":"Miller","startTime":2432.5300625000114,"endTime":2432.790062500011,"body":"have"},{"speaker":"Miller","startTime":2432.790062500011,"endTime":2432.980062500011,"body":"their"},{"speaker":"Miller","startTime":2432.980062500011,"endTime":2433.5600620000114,"body":"examiners"},{"speaker":"Miller","startTime":2433.5600620000114,"endTime":2433.6900615000113,"body":"go"},{"speaker":"Miller","startTime":2433.690062500011,"endTime":2433.920062500011,"body":"back"},{"speaker":"Miller","startTime":2433.920062500011,"endTime":2434.0500625000113,"body":"and"},{"speaker":"Miller","startTime":2434.0500625000113,"endTime":2434.210062500011,"body":"look"},{"speaker":"Miller","startTime":2434.210062500011,"endTime":2434.3500620000113,"body":"at"},{"speaker":"Miller","startTime":2434.3500620000113,"endTime":2434.5200615000113,"body":"that."},{"speaker":"Miller","startTime":2434.5300625000114,"endTime":2434.8800625000113,"body":"What"},{"speaker":"Miller","startTime":2434.8800625000113,"endTime":2435.370062500011,"body":"caused"},{"speaker":"Miller","startTime":2435.370062500011,"endTime":2435.640062500011,"body":"it?"},{"speaker":"Miller","startTime":2435.660062500011,"endTime":2436.080062500011,"body":"Why"},{"speaker":"Miller","startTime":2436.080062500011,"endTime":2436.2800625000114,"body":"did"},{"speaker":"Miller","startTime":2436.2800625000114,"endTime":2436.410062500011,"body":"it"},{"speaker":"Miller","startTime":2436.410062500011,"endTime":2436.840062000011,"body":"occur?"},{"speaker":"Miller","startTime":2436.840062000011,"endTime":2437.0200615000113,"body":"Was"},{"speaker":"Miller","startTime":2437.0200615000113,"endTime":2437.1700615000113,"body":"it"},{"speaker":"Miller","startTime":2437.1700615000113,"endTime":2437.370061500011,"body":"just"},{"speaker":"Miller","startTime":2437.370062500011,"endTime":2437.420062000011,"body":"a"},{"speaker":"Miller","startTime":2437.420062000011,"endTime":2437.7500615000113,"body":"market"},{"speaker":"Miller","startTime":2437.7500615000113,"endTime":2438.240061500011,"body":"change?"},{"speaker":"Miller","startTime":2438.3000625000113,"endTime":2438.560062500011,"body":"Is"},{"speaker":"Miller","startTime":2438.560062500011,"endTime":2438.670062000011,"body":"the"},{"speaker":"Miller","startTime":2438.670062000011,"endTime":2438.970061500011,"body":"credit"},{"speaker":"Miller","startTime":2438.9700625000114,"endTime":2439.230062500011,"body":"unions"},{"speaker":"Miller","startTime":2439.230062500011,"endTime":2439.6500625000112,"body":"other?"},{"speaker":"Miller","startTime":2440.015062500011,"endTime":2441.175062500011,"body":"practices."},{"speaker":"Miller","startTime":2441.225062500011,"endTime":2441.445062500011,"body":"So"},{"speaker":"Miller","startTime":2441.445062500011,"endTime":2441.515062500011,"body":"I"},{"speaker":"Miller","startTime":2441.515062500011,"endTime":2441.715062500011,"body":"think"},{"speaker":"Miller","startTime":2441.725062500011,"endTime":2441.865062500011,"body":"they'll"},{"speaker":"Miller","startTime":2441.865062500011,"endTime":2442.045062500011,"body":"just"},{"speaker":"Miller","startTime":2442.045062500011,"endTime":2442.175062500011,"body":"go"},{"speaker":"Miller","startTime":2442.175062500011,"endTime":2442.365062500011,"body":"back"},{"speaker":"Miller","startTime":2442.365062500011,"endTime":2442.505062500011,"body":"and"},{"speaker":"Miller","startTime":2442.505062500011,"endTime":2442.855062500011,"body":"review"},{"speaker":"Miller","startTime":2442.855062500011,"endTime":2443.055062500011,"body":"those"},{"speaker":"Miller","startTime":2443.055062500011,"endTime":2443.415062500011,"body":"exam"},{"speaker":"Miller","startTime":2443.415062500011,"endTime":2444.005062500011,"body":"reports"},{"speaker":"Miller","startTime":2444.055062500011,"endTime":2444.285062500011,"body":"in"},{"speaker":"Miller","startTime":2444.295062500011,"endTime":2444.615062500011,"body":"light"},{"speaker":"Miller","startTime":2444.615062500011,"endTime":2444.805062500011,"body":"of"},{"speaker":"Miller","startTime":2444.805062500011,"endTime":2445.015062500011,"body":"this"},{"speaker":"Miller","startTime":2445.015062500011,"endTime":2445.225062500011,"body":"new"},{"speaker":"Miller","startTime":2445.535062500011,"endTime":2445.795062500011,"body":"workbook"},{"speaker":"Miller","startTime":2445.795062500011,"endTime":2445.875062500011,"body":"and"},{"speaker":"Miller","startTime":2445.875062500011,"endTime":2446.255062500011,"body":"guidance."},{"speaker":"Miller","startTime":2446.285062500011,"endTime":2446.545062500011,"body":"That's"},{"speaker":"Miller","startTime":2446.545062500011,"endTime":2446.705062500011,"body":"what"},{"speaker":"Miller","startTime":2446.705062500011,"endTime":2446.725062500011,"body":"I'm"},{"speaker":"Miller","startTime":2447.4850625000113,"endTime":2447.685062500011,"body":"going"},{"speaker":"Miller","startTime":2447.685062500011,"endTime":2447.835062500011,"body":"to"},{"speaker":"Miller","startTime":2447.8450625000114,"endTime":2448.245062500011,"body":"guess"},{"speaker":"Miller","startTime":2448.245062500011,"endTime":2448.4250625000113,"body":"is"},{"speaker":"Miller","startTime":2448.4250625000113,"endTime":2448.565062500011,"body":"going"},{"speaker":"Miller","startTime":2448.565062500011,"endTime":2448.625062500011,"body":"to"},{"speaker":"Miller","startTime":2448.6350625000114,"endTime":2449.0250625000112,"body":"happen."},{"speaker":"Miller","startTime":2449.035062500011,"endTime":2449.3250625000114,"body":"Although"},{"speaker":"Miller","startTime":2449.3250625000114,"endTime":2449.3950620000114,"body":"I"},{"speaker":"Miller","startTime":2449.3950620000114,"endTime":2449.5450615000113,"body":"don't"},{"speaker":"Miller","startTime":2449.545062500011,"endTime":2449.745062500011,"body":"know"},{"speaker":"Miller","startTime":2449.745062500011,"endTime":2449.9350620000114,"body":"that's"},{"speaker":"Miller","startTime":2449.9350620000114,"endTime":2450.615061500011,"body":"speculation"},{"speaker":"Miller","startTime":2450.6150625000114,"endTime":2450.6750625000113,"body":"on"},{"speaker":"Miller","startTime":2450.7150625000113,"endTime":2450.8950620000114,"body":"my"},{"speaker":"Miller","startTime":2450.8950620000114,"endTime":2451.1650615000112,"body":"part."},{"speaker":"Miller","startTime":2451.415062500011,"endTime":2451.605062000011,"body":"It"},{"speaker":"Miller","startTime":2451.605062000011,"endTime":2451.805061500011,"body":"is"},{"speaker":"Miller","startTime":2451.8051615000113,"endTime":2452.2465615000115,"body":"speculation."},{"speaker":"Miller","startTime":2452.2465615000115,"endTime":2452.6879615000116,"body":"They"},{"speaker":"Miller","startTime":2452.6879615000116,"endTime":2453.1293615000113,"body":"don't"},{"speaker":"Miller","startTime":2453.1293615000113,"endTime":2453.5707615000115,"body":"say."},{"speaker":"Miller","startTime":2453.5707615000115,"endTime":2454.012161500011,"body":"And"},{"speaker":"Miller","startTime":2454.012161500011,"endTime":2454.4535615000113,"body":"NCUA"},{"speaker":"Miller","startTime":2454.4535615000113,"endTime":2454.894961500011,"body":"is"},{"speaker":"Miller","startTime":2455.275061500011,"endTime":2455.715061500011,"body":"short"},{"speaker":"Miller","startTime":2455.715062500011,"endTime":2455.7950625000108,"body":"of"},{"speaker":"Miller","startTime":2455.815061500011,"endTime":2456.445061500011,"body":"staffing"},{"speaker":"Miller","startTime":2456.445062500011,"endTime":2456.615062500011,"body":"and"},{"speaker":"Miller","startTime":2456.615062500011,"endTime":2456.765062500011,"body":"they're"},{"speaker":"Miller","startTime":2456.765062500011,"endTime":2457.0850625000107,"body":"short"},{"speaker":"Miller","startTime":2457.0850625000107,"endTime":2457.2150620000107,"body":"of"},{"speaker":"Miller","startTime":2457.2150620000107,"endTime":2458.075061500011,"body":"resources."},{"speaker":"Miller","startTime":2458.605062500011,"endTime":2459.1350625000114,"body":"So,"},{"speaker":"Miller","startTime":2459.165062500011,"endTime":2459.305062500011,"body":"you"},{"speaker":"Miller","startTime":2459.305062500011,"endTime":2459.475062500011,"body":"know,"},{"speaker":"Miller","startTime":2459.475062500011,"endTime":2459.685062500011,"body":"this"},{"speaker":"Miller","startTime":2459.685062500011,"endTime":2459.935062500011,"body":"is"},{"speaker":"Miller","startTime":2459.935062500011,"endTime":2459.995062500011,"body":"a"},{"speaker":"Miller","startTime":2459.995062500011,"endTime":2460.2350625000113,"body":"big"},{"speaker":"Miller","startTime":2460.2550625000113,"endTime":2460.6550625000114,"body":"time"},{"speaker":"Miller","startTime":2460.6550625000114,"endTime":2461.225062500011,"body":"commitment"},{"speaker":"Miller","startTime":2461.245062500011,"endTime":2461.4050625000114,"body":"to"},{"speaker":"Miller","startTime":2461.4050625000114,"endTime":2461.5750625000114,"body":"go"},{"speaker":"Miller","startTime":2461.5750625000114,"endTime":2461.8650625000114,"body":"back"},{"speaker":"Miller","startTime":2461.8650625000114,"endTime":2462.0050625000113,"body":"and"},{"speaker":"Miller","startTime":2462.0050625000113,"endTime":2462.1350625000114,"body":"how"},{"speaker":"Miller","startTime":2462.1350625000114,"endTime":2462.3450625000114,"body":"does"},{"speaker":"Miller","startTime":2462.3450625000114,"endTime":2462.5950625000114,"body":"that"},{"speaker":"Miller","startTime":2462.5950625000114,"endTime":2462.875062500011,"body":"play"},{"speaker":"Miller","startTime":2462.875062500011,"endTime":2463.0750625000114,"body":"into"},{"speaker":"Miller","startTime":2463.0750625000114,"endTime":2463.5950625000114,"body":"everything?"},{"speaker":"Miller","startTime":2463.8850625000114,"endTime":2463.9650625000113,"body":"I"},{"speaker":"Miller","startTime":2463.9650625000113,"endTime":2464.145062500011,"body":"don't"},{"speaker":"Miller","startTime":2464.145062500011,"endTime":2464.315062500011,"body":"know."},{"speaker":"Miller","startTime":2464.315062500011,"endTime":2464.455062500011,"body":"They"},{"speaker":"Miller","startTime":2464.455062500011,"endTime":2464.6750625000113,"body":"didn't"},{"speaker":"Miller","startTime":2464.6750625000113,"endTime":2464.895062500011,"body":"say"},{"speaker":"Miller","startTime":2464.8951625000113,"endTime":2465.2249625000113,"body":"that."},{"speaker":"Treichel","startTime":2465.505062500011,"endTime":2465.675062500011,"body":"They"},{"speaker":"Treichel","startTime":2465.675062500011,"endTime":2465.935062500011,"body":"didn't"},{"speaker":"Treichel","startTime":2465.935062500011,"endTime":2466.145062500011,"body":"say"},{"speaker":"Treichel","startTime":2466.145062500011,"endTime":2466.275062500011,"body":"they"},{"speaker":"Treichel","startTime":2466.275062500011,"endTime":2466.445062500011,"body":"did."},{"speaker":"Treichel","startTime":2466.485062500011,"endTime":2466.705062500011,"body":"They"},{"speaker":"Treichel","startTime":2466.705062500011,"endTime":2466.955062500011,"body":"did"},{"speaker":"Treichel","startTime":2466.955062500011,"endTime":2467.225062500011,"body":"say"},{"speaker":"Treichel","startTime":2467.225062500011,"endTime":2467.395062500011,"body":"that"},{"speaker":"Treichel","startTime":2467.395062500011,"endTime":2467.535062500011,"body":"they're"},{"speaker":"Treichel","startTime":2467.535062500011,"endTime":2467.645062500011,"body":"going"},{"speaker":"Treichel","startTime":2467.645062500011,"endTime":2467.685062500011,"body":"to"},{"speaker":"Treichel","startTime":2467.685062500011,"endTime":2467.7950625000108,"body":"be"},{"speaker":"Treichel","startTime":2467.7950625000108,"endTime":2468.175062500011,"body":"training"},{"speaker":"Treichel","startTime":2468.175062500011,"endTime":2468.2950625000108,"body":"their"},{"speaker":"Treichel","startTime":2468.2950625000108,"endTime":2468.695062000011,"body":"staff."},{"speaker":"Treichel","startTime":2468.695062000011,"endTime":2468.795061500011,"body":"They're"},{"speaker":"Treichel","startTime":2468.7950625000108,"endTime":2468.855062500011,"body":"going"},{"speaker":"Treichel","startTime":2468.855062500011,"endTime":2468.895062500011,"body":"to"},{"speaker":"Treichel","startTime":2468.895062500011,"endTime":2469.0650625000108,"body":"be"},{"speaker":"Treichel","startTime":2469.565061500011,"endTime":2470.045061500011,"body":"trading,"},{"speaker":"Treichel","startTime":2470.125062500011,"endTime":2470.495062500011,"body":"trading,"},{"speaker":"Treichel","startTime":2470.985061500011,"endTime":2471.355061500011,"body":"training"},{"speaker":"Treichel","startTime":2471.355061500011,"endTime":2471.4350615000108,"body":"the"},{"speaker":"Treichel","startTime":2471.435062500011,"endTime":2471.885062500011,"body":"states,"},{"speaker":"Treichel","startTime":2471.885062500011,"endTime":2472.025062000011,"body":"and"},{"speaker":"Treichel","startTime":2472.025062000011,"endTime":2472.775061500011,"body":"perhaps"},{"speaker":"Treichel","startTime":2473.0850625000107,"endTime":2473.305062500011,"body":"they're"},{"speaker":"Treichel","startTime":2473.305062500011,"endTime":2473.5450625000108,"body":"still"},{"speaker":"Treichel","startTime":2473.5450625000108,"endTime":2473.745062500011,"body":"trying"},{"speaker":"Treichel","startTime":2473.745062500011,"endTime":2473.805062500011,"body":"to"},{"speaker":"Treichel","startTime":2473.805062500011,"endTime":2474.125062500011,"body":"figure"},{"speaker":"Treichel","startTime":2474.125062500011,"endTime":2474.235062000011,"body":"out"},{"speaker":"Treichel","startTime":2474.235062000011,"endTime":2474.4350615000108,"body":"what"},{"speaker":"Treichel","startTime":2474.4350615000108,"endTime":2474.545061500011,"body":"they're"},{"speaker":"Treichel","startTime":2474.5450625000108,"endTime":2474.615062500011,"body":"going"},{"speaker":"Treichel","startTime":2474.615062500011,"endTime":2474.635062500011,"body":"to"},{"speaker":"Treichel","startTime":2474.645061500011,"endTime":2474.855061500011,"body":"do"},{"speaker":"Treichel","startTime":2474.855062500011,"endTime":2475.0850625000107,"body":"there."},{"speaker":"Treichel","startTime":2475.0850625000107,"endTime":2475.215062500011,"body":"And"},{"speaker":"Treichel","startTime":2475.255062500011,"endTime":2475.815062000011,"body":"perhaps"},{"speaker":"Treichel","startTime":2475.815062000011,"endTime":2476.015061500011,"body":"that"},{"speaker":"Treichel","startTime":2476.015062500011,"endTime":2476.145062000011,"body":"will"},{"speaker":"Treichel","startTime":2476.145062000011,"endTime":2476.325061500011,"body":"be"},{"speaker":"Treichel","startTime":2476.325062500011,"endTime":2476.525062500011,"body":"part"},{"speaker":"Treichel","startTime":2476.525062500011,"endTime":2476.6350620000107,"body":"of"},{"speaker":"Treichel","startTime":2476.6350620000107,"endTime":2476.815061500011,"body":"that"},{"speaker":"Treichel","startTime":2476.815061500011,"endTime":2477.345061500011,"body":"training."},{"speaker":"Treichel","startTime":2478.595062500011,"endTime":2478.845062500011,"body":"Todd"},{"speaker":"Treichel","startTime":2478.855061500011,"endTime":2479.195061500011,"body":"Harper"},{"speaker":"Treichel","startTime":2479.245062500011,"endTime":2479.415062500011,"body":"did"},{"speaker":"Treichel","startTime":2479.415062500011,"endTime":2479.695062500011,"body":"open"},{"speaker":"Treichel","startTime":2479.695062500011,"endTime":2479.895062500011,"body":"up"},{"speaker":"Treichel","startTime":2479.895062500011,"endTime":2480.3150625000108,"body":"about"},{"speaker":"Treichel","startTime":2480.385062500011,"endTime":2480.555062500011,"body":"on"},{"speaker":"Treichel","startTime":2480.555062500011,"endTime":2480.655062500011,"body":"the"},{"speaker":"Treichel","startTime":2480.655062500011,"endTime":2480.915062500011,"body":"front"},{"speaker":"Treichel","startTime":2480.915062500011,"endTime":2481.135062500011,"body":"end,"},{"speaker":"Treichel","startTime":2481.135062500011,"endTime":2481.455062500011,"body":"talking"},{"speaker":"Treichel","startTime":2481.455062500011,"endTime":2481.665062500011,"body":"about"},{"speaker":"Treichel","startTime":2481.665062500011,"endTime":2481.875062500011,"body":"wanting"},{"speaker":"Treichel","startTime":2481.875062500011,"endTime":2481.905062500011,"body":"to"},{"speaker":"Treichel","startTime":2481.905062500011,"endTime":2482.185062500011,"body":"make"},{"speaker":"Treichel","startTime":2482.185062500011,"endTime":2482.405062500011,"body":"sure"},{"speaker":"Treichel","startTime":2482.405062500011,"endTime":2482.645062500011,"body":"that"},{"speaker":"Treichel","startTime":2482.685062500011,"endTime":2482.965062500011,"body":"credit"},{"speaker":"Treichel","startTime":2482.965062500011,"endTime":2483.265062500011,"body":"unions"},{"speaker":"Treichel","startTime":2483.265062500011,"endTime":2483.455062500011,"body":"were."},{"speaker":"Treichel","startTime":2483.565062500011,"endTime":2483.865062500011,"body":"Treated"},{"speaker":"Treichel","startTime":2483.865062500011,"endTime":2484.635062500011,"body":"consistently"},{"speaker":"Treichel","startTime":2485.0250625000112,"endTime":2485.205062500011,"body":"that"},{"speaker":"Treichel","startTime":2485.205062500011,"endTime":2485.295062500011,"body":"an"},{"speaker":"Treichel","startTime":2485.295062500011,"endTime":2485.665062500011,"body":"exact"},{"speaker":"Treichel","startTime":2485.665062500011,"endTime":2485.915062500011,"body":"credit"},{"speaker":"Treichel","startTime":2485.925062500011,"endTime":2486.225062500011,"body":"union"},{"speaker":"Treichel","startTime":2486.225062500011,"endTime":2486.365062500011,"body":"in"},{"speaker":"Treichel","startTime":2486.365062500011,"endTime":2486.745062500011,"body":"Region"},{"speaker":"Treichel","startTime":2486.7550625000113,"endTime":2487.045062500011,"body":"1"},{"speaker":"Treichel","startTime":2487.055062500011,"endTime":2487.205062500011,"body":"would"},{"speaker":"Treichel","startTime":2487.215062500011,"endTime":2487.395062500011,"body":"be"},{"speaker":"Treichel","startTime":2487.435062500011,"endTime":2487.785062500011,"body":"treated"},{"speaker":"Treichel","startTime":2487.785062500011,"endTime":2488.135062500011,"body":"similar"},{"speaker":"Treichel","startTime":2488.135062500011,"endTime":2488.355062500011,"body":"to"},{"speaker":"Treichel","startTime":2488.425062500011,"endTime":2488.805062500011,"body":"Region"},{"speaker":"Treichel","startTime":2488.805062500011,"endTime":2489.195062500011,"body":"3."},{"speaker":"Treichel","startTime":2489.555062500011,"endTime":2489.7750625000112,"body":"There"},{"speaker":"Treichel","startTime":2489.7750625000112,"endTime":2489.995062500011,"body":"is"},{"speaker":"Treichel","startTime":2489.995062500011,"endTime":2490.245062500011,"body":"this"},{"speaker":"Treichel","startTime":2490.245062500011,"endTime":2490.7550625000113,"body":"nuance"},{"speaker":"Treichel","startTime":2490.7550625000113,"endTime":2490.975062500011,"body":"now,"},{"speaker":"Treichel","startTime":2490.975062500011,"endTime":2491.205062500011,"body":"though,"},{"speaker":"Treichel","startTime":2491.215062500011,"endTime":2491.405062500011,"body":"when"},{"speaker":"Treichel","startTime":2491.405062500011,"endTime":2491.585062500011,"body":"you"},{"speaker":"Treichel","startTime":2491.595062500011,"endTime":2491.975062500011,"body":"push"},{"speaker":"Treichel","startTime":2492.055062500011,"endTime":2492.455062500011,"body":"things"},{"speaker":"Treichel","startTime":2492.455062500011,"endTime":2492.7750625000112,"body":"back"},{"speaker":"Treichel","startTime":2492.7750625000112,"endTime":2493.165062500011,"body":"towards"},{"speaker":"Treichel","startTime":2493.195061500011,"endTime":2493.735061500011,"body":"judgment,"},{"speaker":"Treichel","startTime":2493.745062500011,"endTime":2493.905062500011,"body":"it"},{"speaker":"Treichel","startTime":2493.915062500011,"endTime":2494.155062000011,"body":"gets"},{"speaker":"Treichel","startTime":2494.155062000011,"endTime":2494.465061500011,"body":"harder"},{"speaker":"Treichel","startTime":2494.465062500011,"endTime":2494.555062500011,"body":"and"},{"speaker":"Treichel","startTime":2494.565062500011,"endTime":2494.875062500011,"body":"harder"},{"speaker":"Treichel","startTime":2494.875062500011,"endTime":2495.0050625000113,"body":"to"},{"speaker":"Treichel","startTime":2495.0050625000113,"endTime":2495.265062500011,"body":"treat"},{"speaker":"Treichel","startTime":2495.265062500011,"endTime":2495.7350625000113,"body":"everybody"},{"speaker":"Treichel","startTime":2495.765062500011,"endTime":2496.245062500011,"body":"fairly"},{"speaker":"Treichel","startTime":2496.265062500011,"endTime":2496.425062500011,"body":"because"},{"speaker":"Treichel","startTime":2496.425062500011,"endTime":2496.635062500011,"body":"Todd,"},{"speaker":"Treichel","startTime":2496.635062500011,"endTime":2496.765062500011,"body":"as"},{"speaker":"Treichel","startTime":2496.765062500011,"endTime":2496.905062000011,"body":"you"},{"speaker":"Treichel","startTime":2496.905062000011,"endTime":2497.025061500011,"body":"and"},{"speaker":"Treichel","startTime":2497.025061500011,"endTime":2497.1250615000113,"body":"I"},{"speaker":"Treichel","startTime":2497.125062500011,"endTime":2497.495062500011,"body":"know,"},{"speaker":"Treichel","startTime":2497.7550625000113,"endTime":2498.225062500011,"body":"everybody"},{"speaker":"Treichel","startTime":2498.225062500011,"endTime":2498.425062500011,"body":"has"},{"speaker":"Treichel","startTime":2498.425062500011,"endTime":2498.495062500011,"body":"a"},{"speaker":"Treichel","startTime":2498.495062500011,"endTime":2498.685062500011,"body":"little"},{"speaker":"Treichel","startTime":2498.685062500011,"endTime":2498.945062500011,"body":"bit"},{"speaker":"Treichel","startTime":2499.145062500011,"endTime":2499.555062500011,"body":"different"},{"speaker":"Treichel","startTime":2499.565062500011,"endTime":2500.015062500011,"body":"judgment."},{"speaker":"Treichel","startTime":2500.035061500011,"endTime":2500.345061500011,"body":"Every"},{"speaker":"Treichel","startTime":2500.395062500011,"endTime":2500.975062500011,"body":"examiner"},{"speaker":"Treichel","startTime":2500.975062500011,"endTime":2501.145062500011,"body":"has"},{"speaker":"Treichel","startTime":2501.145062500011,"endTime":2501.215062500011,"body":"a"},{"speaker":"Treichel","startTime":2501.225062500011,"endTime":2501.385062500011,"body":"little"},{"speaker":"Treichel","startTime":2501.385062500011,"endTime":2501.605062500011,"body":"bit"},{"speaker":"Treichel","startTime":2501.635062500011,"endTime":2502.0050625000113,"body":"different"},{"speaker":"Treichel","startTime":2502.015061500011,"endTime":2502.275061500011,"body":"risk"},{"speaker":"Treichel","startTime":2502.295062500011,"endTime":2502.825062500011,"body":"tolerance."},{"speaker":"Treichel","startTime":2502.8550615000113,"endTime":2503.115061500011,"body":"Every"},{"speaker":"Treichel","startTime":2503.1250615000113,"endTime":2503.3950615000113,"body":"credit"},{"speaker":"Treichel","startTime":2503.405061500011,"endTime":2503.6650615000112,"body":"union"},{"speaker":"Treichel","startTime":2503.675061500011,"endTime":2503.8550615000113,"body":"has"},{"speaker":"Treichel","startTime":2503.8550615000113,"endTime":2503.9150615000112,"body":"a"},{"speaker":"Treichel","startTime":2503.9150615000112,"endTime":2504.1050615000113,"body":"little"},{"speaker":"Treichel","startTime":2504.1050615000113,"endTime":2504.235061500011,"body":"bit."},{"speaker":"Treichel","startTime":2504.9100625000115,"endTime":2505.330062500011,"body":"different"},{"speaker":"Treichel","startTime":2505.690062500011,"endTime":2505.9900625000114,"body":"risk"},{"speaker":"Treichel","startTime":2506.0100625000114,"endTime":2506.520062500011,"body":"tolerance."},{"speaker":"Treichel","startTime":2506.5300625000114,"endTime":2506.7600625000114,"body":"My"},{"speaker":"Treichel","startTime":2506.7600625000114,"endTime":2507.270062500011,"body":"advice"},{"speaker":"Treichel","startTime":2507.270062500011,"endTime":2507.440062500011,"body":"to"},{"speaker":"Treichel","startTime":2507.440062500011,"endTime":2507.500062500011,"body":"a"},{"speaker":"Treichel","startTime":2507.500062500011,"endTime":2507.7800625000114,"body":"credit"},{"speaker":"Treichel","startTime":2507.790062500011,"endTime":2508.1300625000113,"body":"union,"},{"speaker":"Treichel","startTime":2508.1600625000115,"endTime":2508.4100625000115,"body":"if"},{"speaker":"Treichel","startTime":2508.4100625000115,"endTime":2508.5900625000113,"body":"you"},{"speaker":"Treichel","startTime":2508.600062500011,"endTime":2508.7800625000114,"body":"had"},{"speaker":"Treichel","startTime":2508.7800625000114,"endTime":2508.830062500011,"body":"a"},{"speaker":"Treichel","startTime":2508.830062500011,"endTime":2509.1400625000115,"body":"document"},{"speaker":"Treichel","startTime":2509.1400625000115,"endTime":2509.9500625000114,"body":"resolution"},{"speaker":"Treichel","startTime":2510.530062500011,"endTime":2510.950062500011,"body":"and"},{"speaker":"Treichel","startTime":2510.950062500011,"endTime":2511.0900625000113,"body":"you"},{"speaker":"Treichel","startTime":2511.0900625000113,"endTime":2511.3800625000113,"body":"listen"},{"speaker":"Treichel","startTime":2511.3800625000113,"endTime":2511.450062500011,"body":"to"},{"speaker":"Treichel","startTime":2511.450062500011,"endTime":2511.690062500011,"body":"this"},{"speaker":"Treichel","startTime":2511.750062500011,"endTime":2512.350062500011,"body":"webinar,"},{"speaker":"Treichel","startTime":2512.3800625000113,"endTime":2512.720062500011,"body":"and"},{"speaker":"Treichel","startTime":2512.730062500011,"endTime":2513.0900625000113,"body":"hopefully"},{"speaker":"Treichel","startTime":2513.0900625000113,"endTime":2513.220062500011,"body":"you"},{"speaker":"Treichel","startTime":2513.220062500011,"endTime":2513.530062500011,"body":"listen"},{"speaker":"Treichel","startTime":2513.530062500011,"endTime":2513.670062500011,"body":"to"},{"speaker":"Treichel","startTime":2513.670062500011,"endTime":2513.850062500011,"body":"this"},{"speaker":"Treichel","startTime":2513.870061500011,"endTime":2514.4800615000113,"body":"podcast,"},{"speaker":"Treichel","startTime":2514.500062500011,"endTime":2514.620062000011,"body":"I"},{"speaker":"Treichel","startTime":2514.620062000011,"endTime":2514.7700615000113,"body":"would"},{"speaker":"Treichel","startTime":2514.770062500011,"endTime":2514.980062500011,"body":"reach"},{"speaker":"Treichel","startTime":2514.980062500011,"endTime":2515.140062500011,"body":"out"},{"speaker":"Treichel","startTime":2515.140062500011,"endTime":2515.230062500011,"body":"to"},{"speaker":"Treichel","startTime":2515.230062500011,"endTime":2515.330062500011,"body":"your"},{"speaker":"Treichel","startTime":2515.330062500011,"endTime":2515.930062500011,"body":"examiner"},{"speaker":"Treichel","startTime":2515.990061500011,"endTime":2516.390061500011,"body":"and"},{"speaker":"Treichel","startTime":2516.390062500011,"endTime":2516.8400625000113,"body":"engage"},{"speaker":"Treichel","startTime":2516.8400625000113,"endTime":2516.9100620000113,"body":"a"},{"speaker":"Treichel","startTime":2516.9100620000113,"endTime":2517.760061500011,"body":"conversation"},{"speaker":"Treichel","startTime":2517.760062500011,"endTime":2518.020062500011,"body":"saying,"},{"speaker":"Treichel","startTime":2518.020062500011,"endTime":2518.1600620000113,"body":"Hey,"},{"speaker":"Treichel","startTime":2518.1600620000113,"endTime":2518.280061500011,"body":"we"},{"speaker":"Treichel","startTime":2518.280061500011,"endTime":2518.5000615000113,"body":"really"},{"speaker":"Treichel","startTime":2518.500062500011,"endTime":2518.640062500011,"body":"want"},{"speaker":"Treichel","startTime":2518.640062500011,"endTime":2518.710062500011,"body":"to"},{"speaker":"Treichel","startTime":2518.710062500011,"endTime":2518.960062500011,"body":"talk"},{"speaker":"Treichel","startTime":2518.960062500011,"endTime":2519.010062500011,"body":"to"},{"speaker":"Treichel","startTime":2519.010062500011,"endTime":2519.050062500011,"body":"you"},{"speaker":"Treichel","startTime":2519.050062500011,"endTime":2519.350062500011,"body":"about"},{"speaker":"Treichel","startTime":2519.350062500011,"endTime":2519.470062500011,"body":"the"},{"speaker":"Treichel","startTime":2519.480062500011,"endTime":2519.800062500011,"body":"things"},{"speaker":"Treichel","startTime":2519.800062500011,"endTime":2520.020062500011,"body":"we've"},{"speaker":"Treichel","startTime":2520.020062500011,"endTime":2520.370062500011,"body":"done."},{"speaker":"Treichel","startTime":2520.540062500011,"endTime":2520.990062500011,"body":"You,"},{"speaker":"Treichel","startTime":2521.010061500011,"endTime":2521.260061500011,"body":"you,"},{"speaker":"Treichel","startTime":2521.350061500011,"endTime":2521.530061500011,"body":"they"},{"speaker":"Treichel","startTime":2521.530061500011,"endTime":2521.910061500011,"body":"probably"},{"speaker":"Treichel","startTime":2521.910062500011,"endTime":2522.190062000011,"body":"already"},{"speaker":"Treichel","startTime":2522.190062000011,"endTime":2522.430061500011,"body":"know"},{"speaker":"Treichel","startTime":2522.430061500011,"endTime":2522.590061500011,"body":"it,"},{"speaker":"Treichel","startTime":2522.590061500011,"endTime":2522.760061500011,"body":"but"},{"speaker":"Treichel","startTime":2522.7700615000113,"endTime":2523.170061500011,"body":"highlight"},{"speaker":"Treichel","startTime":2523.180061500011,"endTime":2523.260061500011,"body":"to"},{"speaker":"Treichel","startTime":2523.260061500011,"endTime":2523.390061500011,"body":"them"},{"speaker":"Treichel","startTime":2523.390062500011,"endTime":2523.870062500011,"body":"again,"},{"speaker":"Treichel","startTime":2523.8800625000113,"endTime":2524.2000620000113,"body":"make"},{"speaker":"Treichel","startTime":2524.2000620000113,"endTime":2524.4400615000113,"body":"them"},{"speaker":"Treichel","startTime":2524.4800615000113,"endTime":2525.0200615000113,"body":"aware"},{"speaker":"Treichel","startTime":2525.070061500011,"endTime":2525.410061500011,"body":"of"},{"speaker":"Treichel","startTime":2525.410061500011,"endTime":2525.4800615000113,"body":"the"},{"speaker":"Treichel","startTime":2525.4800615000113,"endTime":2525.830061500011,"body":"fact"},{"speaker":"Treichel","startTime":2525.830061500011,"endTime":2525.920061500011,"body":"that"},{"speaker":"Treichel","startTime":2526.090061500011,"endTime":2526.260061500011,"body":"they're"},{"speaker":"Treichel","startTime":2526.260061500011,"endTime":2526.4400615000113,"body":"going"},{"speaker":"Treichel","startTime":2526.4400615000113,"endTime":2526.510061500011,"body":"to"},{"speaker":"Treichel","startTime":2526.5200615000113,"endTime":2526.660061500011,"body":"be"},{"speaker":"Treichel","startTime":2526.660061500011,"endTime":2527.4400615000113,"body":"reevaluating"},{"speaker":"Treichel","startTime":2527.4400615000113,"endTime":2527.4800615000113,"body":"that"},{"speaker":"Treichel","startTime":2527.6500625000112,"endTime":2527.850062500011,"body":"and"},{"speaker":"Treichel","startTime":2527.850062500011,"endTime":2528.050062500011,"body":"put"},{"speaker":"Treichel","startTime":2528.050062500011,"endTime":2528.230062500011,"body":"your"},{"speaker":"Treichel","startTime":2528.270062500011,"endTime":2528.600062500011,"body":"best"},{"speaker":"Treichel","startTime":2528.600062500011,"endTime":2529.020062500011,"body":"facts"},{"speaker":"Treichel","startTime":2529.030062500011,"endTime":2529.6100625000113,"body":"forward."},{"speaker":"Treichel","startTime":2529.920062500011,"endTime":2530.6500625000112,"body":"Relative"},{"speaker":"Treichel","startTime":2530.6500625000112,"endTime":2530.920062500011,"body":"to"},{"speaker":"Treichel","startTime":2530.920062500011,"endTime":2531.030062500011,"body":"the"},{"speaker":"Treichel","startTime":2531.030062500011,"endTime":2531.440062500011,"body":"document"},{"speaker":"Treichel","startTime":2531.440062500011,"endTime":2531.460062500011,"body":"of"},{"speaker":"Treichel","startTime":2531.480062500011,"endTime":2532.260062500011,"body":"resolution."},{"speaker":"Treichel","startTime":2532.480062500011,"endTime":2532.690062500011,"body":"And"},{"speaker":"Treichel","startTime":2532.690062500011,"endTime":2532.860062500011,"body":"some"},{"speaker":"Treichel","startTime":2532.860062500011,"endTime":2532.910062500011,"body":"of"},{"speaker":"Treichel","startTime":2532.920062500011,"endTime":2533.160062500011,"body":"the"},{"speaker":"Treichel","startTime":2533.160062500011,"endTime":2533.510062500011,"body":"reality"},{"speaker":"Treichel","startTime":2533.510062500011,"endTime":2533.640062500011,"body":"is"},{"speaker":"Treichel","startTime":2533.640062500011,"endTime":2533.780062500011,"body":"some"},{"speaker":"Treichel","startTime":2533.780062500011,"endTime":2533.860062500011,"body":"of"},{"speaker":"Treichel","startTime":2533.860062500011,"endTime":2533.950062500011,"body":"the"},{"speaker":"Treichel","startTime":2533.960062500011,"endTime":2534.210062500011,"body":"things"},{"speaker":"Treichel","startTime":2534.210062500011,"endTime":2534.350062500011,"body":"in"},{"speaker":"Treichel","startTime":2534.350062500011,"endTime":2534.500062500011,"body":"there"},{"speaker":"Treichel","startTime":2534.500062500011,"endTime":2534.680062500011,"body":"you're"},{"speaker":"Treichel","startTime":2534.680062500011,"endTime":2534.780062500011,"body":"going"},{"speaker":"Treichel","startTime":2534.780062500011,"endTime":2534.840062500011,"body":"to"},{"speaker":"Treichel","startTime":2534.840062500011,"endTime":2535.030062500011,"body":"want"},{"speaker":"Treichel","startTime":2535.030062500011,"endTime":2535.070062500011,"body":"to"},{"speaker":"Treichel","startTime":2535.070062500011,"endTime":2535.290062500011,"body":"do"},{"speaker":"Treichel","startTime":2535.290062500011,"endTime":2535.820062500011,"body":"anyway,"},{"speaker":"Treichel","startTime":2535.870062500011,"endTime":2536.080062500011,"body":"but"},{"speaker":"Treichel","startTime":2536.080062500011,"endTime":2536.290062500011,"body":"whether"},{"speaker":"Treichel","startTime":2536.290062500011,"endTime":2536.340062500011,"body":"or"},{"speaker":"Treichel","startTime":2536.340062500011,"endTime":2536.530062500011,"body":"not"},{"speaker":"Treichel","startTime":2536.530062500011,"endTime":2536.630062500011,"body":"you"},{"speaker":"Treichel","startTime":2536.630062500011,"endTime":2536.820062500011,"body":"need"},{"speaker":"Treichel","startTime":2536.820062500011,"endTime":2536.950062500011,"body":"that"},{"speaker":"Treichel","startTime":2536.950062500011,"endTime":2537.200062500011,"body":"document"},{"speaker":"Treichel","startTime":2537.210062500011,"endTime":2537.920062500011,"body":"resolution"},{"speaker":"Treichel","startTime":2537.970062500011,"endTime":2538.120062500011,"body":"is"},{"speaker":"Treichel","startTime":2538.120062500011,"endTime":2538.490062000011,"body":"something"},{"speaker":"Treichel","startTime":2538.490062000011,"endTime":2538.720061500011,"body":"that"},{"speaker":"Treichel","startTime":2538.730062500011,"endTime":2538.910062500011,"body":"is"},{"speaker":"Treichel","startTime":2538.910062500011,"endTime":2539.490062500011,"body":"definitely"},{"speaker":"Treichel","startTime":2539.530061500011,"endTime":2539.780061500011,"body":"up"},{"speaker":"Treichel","startTime":2539.780061500011,"endTime":2539.920061500011,"body":"for"},{"speaker":"Treichel","startTime":2539.920062500011,"endTime":2540.200062000011,"body":"play"},{"speaker":"Treichel","startTime":2540.200062000011,"endTime":2540.460061500011,"body":"here."},{"speaker":"Miller","startTime":2541.470062500011,"endTime":2541.5600625000106,"body":"A"},{"speaker":"Miller","startTime":2541.5600625000106,"endTime":2541.830062000011,"body":"couple"},{"speaker":"Miller","startTime":2541.830062000011,"endTime":2541.8900615000107,"body":"of"},{"speaker":"Miller","startTime":2541.920061500011,"endTime":2542.170061500011,"body":"things"},{"speaker":"Miller","startTime":2542.170061500011,"endTime":2542.3300615000107,"body":"that"},{"speaker":"Miller","startTime":2542.3300615000107,"endTime":2542.540061500011,"body":"kind"},{"speaker":"Miller","startTime":2542.540061500011,"endTime":2542.690061500011,"body":"of"},{"speaker":"Miller","startTime":2542.6900625000108,"endTime":2543.400062500011,"body":"segue."},{"speaker":"Miller","startTime":2544.4150625000116,"endTime":2544.7050625000115,"body":"Into"},{"speaker":"Miller","startTime":2544.7050625000115,"endTime":2544.8750625000116,"body":"that"},{"speaker":"Miller","startTime":2544.8750625000116,"endTime":2545.0550625000114,"body":"as"},{"speaker":"Miller","startTime":2545.0550625000114,"endTime":2545.4450625000113,"body":"well"},{"speaker":"Miller","startTime":2545.4450625000113,"endTime":2545.6150625000114,"body":"as"},{"speaker":"Miller","startTime":2545.9850625000113,"endTime":2546.2350625000113,"body":"Todd"},{"speaker":"Miller","startTime":2546.2350625000113,"endTime":2546.6850625000116,"body":"Harper."},{"speaker":"Miller","startTime":2546.6850625000116,"endTime":2547.1350625000114,"body":"Also,"},{"speaker":"Miller","startTime":2547.4050625000114,"endTime":2547.5350625000115,"body":"he"},{"speaker":"Miller","startTime":2547.5350625000115,"endTime":2547.9250625000113,"body":"mentioned"},{"speaker":"Miller","startTime":2547.9350625000116,"endTime":2548.1550625000114,"body":"that"},{"speaker":"Miller","startTime":2548.2250625000115,"endTime":2548.6550625000114,"body":"interest"},{"speaker":"Miller","startTime":2548.6550625000114,"endTime":2548.855062500011,"body":"rate"},{"speaker":"Miller","startTime":2548.855062500011,"endTime":2549.105062500011,"body":"risk"},{"speaker":"Miller","startTime":2549.105062500011,"endTime":2549.2750625000112,"body":"was"},{"speaker":"Miller","startTime":2549.2750625000112,"endTime":2549.3450625000114,"body":"a"},{"speaker":"Miller","startTime":2549.3450625000114,"endTime":2550.1150625000114,"body":"supervisory"},{"speaker":"Miller","startTime":2550.1150625000114,"endTime":2550.6950625000113,"body":"priority"},{"speaker":"Miller","startTime":2550.6950625000113,"endTime":2550.815062500011,"body":"in"},{"speaker":"Miller","startTime":2550.815062500011,"endTime":2551.6550625000114,"body":"2022."},{"speaker":"Miller","startTime":2552.0550625000114,"endTime":2552.2350625000113,"body":"He"},{"speaker":"Miller","startTime":2552.2350625000113,"endTime":2552.4650625000113,"body":"said"},{"speaker":"Miller","startTime":2552.4850625000113,"endTime":2552.7250625000115,"body":"it's"},{"speaker":"Miller","startTime":2552.7250625000115,"endTime":2552.9750625000115,"body":"going"},{"speaker":"Miller","startTime":2552.9750625000115,"endTime":2553.0350625000115,"body":"to"},{"speaker":"Miller","startTime":2553.045062500011,"endTime":2553.2150625000113,"body":"be"},{"speaker":"Miller","startTime":2553.2150625000113,"endTime":2553.3550620000115,"body":"on"},{"speaker":"Miller","startTime":2553.3550620000115,"endTime":2553.5050615000114,"body":"our"},{"speaker":"Miller","startTime":2553.5050625000113,"endTime":2553.7550625000113,"body":"list"},{"speaker":"Miller","startTime":2553.7550625000113,"endTime":2554.0150625000115,"body":"again"},{"speaker":"Miller","startTime":2554.0150625000115,"endTime":2554.1450620000114,"body":"in"},{"speaker":"Miller","startTime":2554.1450620000114,"endTime":2555.035061500011,"body":"2023."},{"speaker":"Miller","startTime":2555.085062500011,"endTime":2555.2150625000113,"body":"And"},{"speaker":"Miller","startTime":2555.2150625000113,"endTime":2555.315062500011,"body":"I"},{"speaker":"Miller","startTime":2555.335062500011,"endTime":2555.5350625000115,"body":"think"},{"speaker":"Miller","startTime":2555.5350625000115,"endTime":2555.7250620000113,"body":"it's"},{"speaker":"Miller","startTime":2555.7250620000113,"endTime":2555.8950615000113,"body":"been"},{"speaker":"Miller","startTime":2555.8950615000113,"endTime":2556.0050615000114,"body":"on"},{"speaker":"Miller","startTime":2556.0050625000113,"endTime":2556.0950625000114,"body":"the"},{"speaker":"Miller","startTime":2556.0950625000114,"endTime":2556.565062500011,"body":"list."},{"speaker":"Miller","startTime":2556.7750615000114,"endTime":2556.8550615000113,"body":"I"},{"speaker":"Miller","startTime":2556.8550615000113,"endTime":2556.995061500011,"body":"don't"},{"speaker":"Miller","startTime":2556.9950625000115,"endTime":2557.0350625000115,"body":"know."},{"speaker":"Miller","startTime":2557.1150625000114,"endTime":2557.205062500011,"body":"I"},{"speaker":"Miller","startTime":2557.205062500011,"endTime":2557.395062500011,"body":"don't"},{"speaker":"Miller","startTime":2557.4050625000114,"endTime":2557.8050625000114,"body":"remember"},{"speaker":"Miller","startTime":2557.8050625000114,"endTime":2557.8950620000114,"body":"a"},{"speaker":"Miller","startTime":2557.8950620000114,"endTime":2558.1450615000113,"body":"year"},{"speaker":"Miller","startTime":2558.1450615000113,"endTime":2558.3150615000113,"body":"when"},{"speaker":"Miller","startTime":2558.3150615000113,"endTime":2558.455061500011,"body":"it"},{"speaker":"Miller","startTime":2558.4850625000113,"endTime":2558.815062500011,"body":"wasn't"},{"speaker":"Miller","startTime":2558.835062500011,"endTime":2558.9950625000115,"body":"on"},{"speaker":"Miller","startTime":2558.9950625000115,"endTime":2559.0950625000114,"body":"the"},{"speaker":"Miller","startTime":2559.0950625000114,"endTime":2559.335062500011,"body":"list."},{"speaker":"Miller","startTime":2559.3550615000113,"endTime":2559.515061500011,"body":"But"},{"speaker":"Miller","startTime":2559.515061500011,"endTime":2559.6950615000114,"body":"then"},{"speaker":"Miller","startTime":2559.6950625000113,"endTime":2560.0350625000115,"body":"something"},{"speaker":"Miller","startTime":2560.0350625000115,"endTime":2560.2850625000115,"body":"else"},{"speaker":"Miller","startTime":2560.2850625000115,"endTime":2560.435062500011,"body":"they"},{"speaker":"Miller","startTime":2560.4450625000113,"endTime":2560.705062500011,"body":"said"},{"speaker":"Miller","startTime":2560.7150625000113,"endTime":2560.9850625000113,"body":"during"},{"speaker":"Miller","startTime":2560.9850625000113,"endTime":2561.0850620000115,"body":"the"},{"speaker":"Miller","startTime":2561.0850620000115,"endTime":2561.5650615000113,"body":"webinar"},{"speaker":"Miller","startTime":2561.565062500011,"endTime":2561.705062500011,"body":"as"},{"speaker":"Miller","startTime":2561.705062500011,"endTime":2562.045062500011,"body":"well"},{"speaker":"Miller","startTime":2562.045062500011,"endTime":2562.2150625000113,"body":"is"},{"speaker":"Miller","startTime":2562.245061500011,"endTime":2562.495061500011,"body":"the"},{"speaker":"Miller","startTime":2562.6050615000113,"endTime":2563.575061500011,"body":"intensity."},{"speaker":"Miller","startTime":2564.0150625000115,"endTime":2564.2250625000115,"body":"of"},{"speaker":"Miller","startTime":2564.2350625000113,"endTime":2564.5350625000115,"body":"your"},{"speaker":"Miller","startTime":2564.5350625000115,"endTime":2565.065062500011,"body":"exam"},{"speaker":"Miller","startTime":2565.065062500011,"endTime":2565.1750625000113,"body":"and"},{"speaker":"Miller","startTime":2565.1750625000113,"endTime":2565.2650625000115,"body":"the"},{"speaker":"Miller","startTime":2565.2750625000112,"endTime":2565.6950625000113,"body":"review"},{"speaker":"Miller","startTime":2565.6950625000113,"endTime":2565.795062500011,"body":"of"},{"speaker":"Miller","startTime":2565.795062500011,"endTime":2566.1850625000116,"body":"interest"},{"speaker":"Miller","startTime":2566.1850625000116,"endTime":2566.3850625000114,"body":"rate"},{"speaker":"Miller","startTime":2566.3850625000114,"endTime":2566.625062500011,"body":"risk,"},{"speaker":"Miller","startTime":2566.9550625000115,"endTime":2567.0950625000114,"body":"it"},{"speaker":"Miller","startTime":2567.0950625000114,"endTime":2567.315062500011,"body":"isn't"},{"speaker":"Miller","startTime":2567.315062500011,"endTime":2567.4250625000113,"body":"going"},{"speaker":"Miller","startTime":2567.4250625000113,"endTime":2567.4950625000115,"body":"to"},{"speaker":"Miller","startTime":2567.4950625000115,"endTime":2567.8650625000114,"body":"change"},{"speaker":"Miller","startTime":2567.8650625000114,"endTime":2568.045062500011,"body":"with"},{"speaker":"Miller","startTime":2568.045062500011,"endTime":2568.2350625000113,"body":"this"},{"speaker":"Miller","startTime":2568.2350625000113,"endTime":2568.5050625000113,"body":"letter."},{"speaker":"Miller","startTime":2568.5150625000115,"endTime":2568.7350625000113,"body":"We"},{"speaker":"Miller","startTime":2568.7350625000113,"endTime":2568.9750625000115,"body":"took"},{"speaker":"Miller","startTime":2568.9750625000115,"endTime":2569.335062500011,"body":"out"},{"speaker":"Miller","startTime":2569.6550625000114,"endTime":2569.8250625000114,"body":"an"},{"speaker":"Miller","startTime":2569.8250625000114,"endTime":2570.3650625000114,"body":"extreme"},{"speaker":"Miller","startTime":2570.3650625000114,"endTime":2570.565062500011,"body":"risk"},{"speaker":"Miller","startTime":2570.565062500011,"endTime":2570.9650625000113,"body":"rating."},{"speaker":"Miller","startTime":2570.9650625000113,"endTime":2571.085062500011,"body":"We"},{"speaker":"Miller","startTime":2571.085062500011,"endTime":2571.2450625000115,"body":"said"},{"speaker":"Miller","startTime":2571.2450625000115,"endTime":2571.335062500011,"body":"a"},{"speaker":"Miller","startTime":2571.335062500011,"endTime":2571.7150625000113,"body":"door"},{"speaker":"Miller","startTime":2571.7150625000113,"endTime":2571.9450625000113,"body":"isn't"},{"speaker":"Miller","startTime":2571.9650625000113,"endTime":2572.7550625000113,"body":"required,"},{"speaker":"Miller","startTime":2573.0950625000114,"endTime":2573.2550625000113,"body":"but"},{"speaker":"Miller","startTime":2573.2550625000113,"endTime":2573.4250625000113,"body":"they"},{"speaker":"Miller","startTime":2573.4250625000113,"endTime":2573.8650625000114,"body":"actually"},{"speaker":"Miller","startTime":2573.875062500011,"endTime":2574.3250625000114,"body":"added"},{"speaker":"Miller","startTime":2574.3250625000114,"endTime":2574.8450625000114,"body":"exam"},{"speaker":"Miller","startTime":2574.8450625000114,"endTime":2575.2650620000113,"body":"steps"},{"speaker":"Miller","startTime":2575.2650620000113,"endTime":2575.435061500011,"body":"to"},{"speaker":"Miller","startTime":2575.435061500011,"endTime":2575.5850615000113,"body":"their"},{"speaker":"Miller","startTime":2575.585062500011,"endTime":2575.835062500011,"body":"whole"},{"speaker":"Miller","startTime":2575.835062500011,"endTime":2576.2150625000113,"body":"interest"},{"speaker":"Miller","startTime":2576.2150625000113,"endTime":2576.4350620000114,"body":"rate"},{"speaker":"Miller","startTime":2576.4350620000114,"endTime":2576.725061500011,"body":"risk"},{"speaker":"Miller","startTime":2576.725061500011,"endTime":2577.2550615000114,"body":"review."},{"speaker":"Miller","startTime":2577.3150615000113,"endTime":2577.6050615000113,"body":"And"},{"speaker":"Miller","startTime":2577.6050615000113,"endTime":2577.7350615000114,"body":"they"},{"speaker":"Miller","startTime":2577.7350625000113,"endTime":2577.9250625000113,"body":"were"},{"speaker":"Miller","startTime":2577.9250625000113,"endTime":2578.3050620000113,"body":"very"},{"speaker":"Miller","startTime":2578.3050620000113,"endTime":2578.705061500011,"body":"clear"},{"speaker":"Miller","startTime":2578.7150625000113,"endTime":2578.8650625000114,"body":"the"},{"speaker":"Miller","startTime":2578.8650625000114,"endTime":2579.5950620000112,"body":"intensity"},{"speaker":"Miller","startTime":2579.5950620000112,"endTime":2579.7550615000114,"body":"of"},{"speaker":"Miller","startTime":2579.7550625000113,"endTime":2580.2150625000113,"body":"our"},{"speaker":"Miller","startTime":2580.3250625000114,"endTime":2580.7750625000112,"body":"interest"},{"speaker":"Miller","startTime":2580.7750625000112,"endTime":2580.9850625000113,"body":"rate"},{"speaker":"Miller","startTime":2580.9850625000113,"endTime":2581.215062000011,"body":"risk"},{"speaker":"Miller","startTime":2581.215062000011,"endTime":2581.455061500011,"body":"review."},{"speaker":"Miller","startTime":2581.4650615000114,"endTime":2581.8150615000113,"body":"It's"},{"speaker":"Miller","startTime":2581.8150615000113,"endTime":2582.095061500011,"body":"not"},{"speaker":"Miller","startTime":2582.0950625000114,"endTime":2582.385062000011,"body":"going"},{"speaker":"Miller","startTime":2582.385062000011,"endTime":2582.595061500011,"body":"down."},{"speaker":"Miller","startTime":2583.3550615000113,"endTime":2583.5650615000113,"body":"It's"},{"speaker":"Miller","startTime":2583.5750615000115,"endTime":2583.9050615000115,"body":"probably"},{"speaker":"Miller","startTime":2583.9150615000112,"endTime":2584.205061500011,"body":"going"},{"speaker":"Miller","startTime":2584.205061500011,"endTime":2584.3050615000116,"body":"to"},{"speaker":"Miller","startTime":2584.3050615000116,"endTime":2584.5450615000113,"body":"go"},{"speaker":"Miller","startTime":2584.5450615000113,"endTime":2584.7950615000113,"body":"up."},{"speaker":"Miller","startTime":2584.8250615000115,"endTime":2585.1250615000113,"body":"This"},{"speaker":"Miller","startTime":2585.1250615000113,"endTime":2585.7550615000114,"body":"is"},{"speaker":"Miller","startTime":2586.6550615000115,"endTime":2586.995061500011,"body":"not"},{"speaker":"Miller","startTime":2587.015061500011,"endTime":2587.3350615000113,"body":"going"},{"speaker":"Miller","startTime":2587.3350615000113,"endTime":2587.4650615000114,"body":"to"},{"speaker":"Miller","startTime":2587.4650615000114,"endTime":2587.6750615000115,"body":"make"},{"speaker":"Miller","startTime":2587.7350625000113,"endTime":2587.8850625000114,"body":"your"},{"speaker":"Miller","startTime":2587.8850625000114,"endTime":2588.1750625000113,"body":"life"},{"speaker":"Miller","startTime":2588.1750625000113,"endTime":2588.415062500011,"body":"any"},{"speaker":"Miller","startTime":2588.4250625000113,"endTime":2589.0150625000115,"body":"easier."},{"speaker":"Miller","startTime":2589.0150625000115,"endTime":2589.1950625000113,"body":"It"},{"speaker":"Miller","startTime":2589.2850625000115,"endTime":2589.565062500011,"body":"might"},{"speaker":"Miller","startTime":2589.565062500011,"endTime":2589.7350625000113,"body":"mean"},{"speaker":"Miller","startTime":2589.7350625000113,"endTime":2589.9250625000113,"body":"you"},{"speaker":"Miller","startTime":2589.935062500011,"endTime":2590.2750625000112,"body":"don't"},{"speaker":"Miller","startTime":2590.2850625000115,"endTime":2590.5050625000113,"body":"get"},{"speaker":"Miller","startTime":2590.5050625000113,"endTime":2590.625062500011,"body":"a"},{"speaker":"Miller","startTime":2590.6350625000114,"endTime":2591.3050625000114,"body":"door,"},{"speaker":"Miller","startTime":2591.3650625000114,"endTime":2591.9750625000115,"body":"but"},{"speaker":"Miller","startTime":2592.180062500011,"endTime":2592.3800625000113,"body":"The"},{"speaker":"Miller","startTime":2592.3800625000113,"endTime":2593.060062500011,"body":"examiner's"},{"speaker":"Miller","startTime":2593.060062500011,"endTime":2593.660062500011,"body":"scrutiny"},{"speaker":"Miller","startTime":2593.660062500011,"endTime":2593.790062500011,"body":"of"},{"speaker":"Miller","startTime":2593.790062500011,"endTime":2594.210062500011,"body":"interest"},{"speaker":"Miller","startTime":2594.210062500011,"endTime":2594.410062500011,"body":"rate"},{"speaker":"Miller","startTime":2594.410062500011,"endTime":2594.620062500011,"body":"risk,"},{"speaker":"Miller","startTime":2594.680062500011,"endTime":2594.940062500011,"body":"it's"},{"speaker":"Miller","startTime":2594.950062500011,"endTime":2595.250062500011,"body":"not"},{"speaker":"Miller","startTime":2595.250062500011,"endTime":2595.370062500011,"body":"going"},{"speaker":"Miller","startTime":2595.370062500011,"endTime":2595.440062500011,"body":"to"},{"speaker":"Miller","startTime":2595.440062500011,"endTime":2595.930062500011,"body":"change."},{"speaker":"Miller","startTime":2595.930062500011,"endTime":2596.0900625000113,"body":"It's"},{"speaker":"Miller","startTime":2596.0900625000113,"endTime":2596.450062500011,"body":"still"},{"speaker":"Miller","startTime":2596.470062500011,"endTime":2596.760062500011,"body":"going"},{"speaker":"Miller","startTime":2596.760062500011,"endTime":2596.940062500011,"body":"to"},{"speaker":"Miller","startTime":2596.940062500011,"endTime":2597.490062500011,"body":"be"},{"speaker":"Miller","startTime":2597.6100625000113,"endTime":2598.350062500011,"body":"elevated."},{"speaker":"Miller","startTime":2598.3600625000113,"endTime":2598.5700625000113,"body":"In"},{"speaker":"Miller","startTime":2598.5700625000113,"endTime":2598.8200625000113,"body":"fact,"},{"speaker":"Miller","startTime":2598.8200625000113,"endTime":2598.990062500011,"body":"it's"},{"speaker":"Miller","startTime":2598.990062500011,"endTime":2599.300062500011,"body":"going"},{"speaker":"Miller","startTime":2599.3200625000113,"endTime":2599.460062500011,"body":"to"},{"speaker":"Miller","startTime":2599.470062500011,"endTime":2599.720062500011,"body":"go"},{"speaker":"Miller","startTime":2599.720062500011,"endTime":2599.890062500011,"body":"up"},{"speaker":"Miller","startTime":2600.120061500011,"endTime":2600.550061500011,"body":"for"},{"speaker":"Miller","startTime":2600.550062500011,"endTime":2600.670062500011,"body":"a"},{"speaker":"Miller","startTime":2600.670062500011,"endTime":2601.030062500011,"body":"certain"},{"speaker":"Miller","startTime":2601.040062500011,"endTime":2601.3200625000113,"body":"group"},{"speaker":"Miller","startTime":2601.3200625000113,"endTime":2601.390062500011,"body":"of"},{"speaker":"Miller","startTime":2601.390062500011,"endTime":2601.710062500011,"body":"credit"},{"speaker":"Miller","startTime":2601.730062500011,"endTime":2602.100062500011,"body":"unions"},{"speaker":"Miller","startTime":2602.1100625000113,"endTime":2602.420062500011,"body":"that"},{"speaker":"Miller","startTime":2602.480062500011,"endTime":2602.670062500011,"body":"hit"},{"speaker":"Miller","startTime":2602.670062500011,"endTime":2602.790062500011,"body":"that"},{"speaker":"Miller","startTime":2602.790062500011,"endTime":2603.0700625000113,"body":"high"},{"speaker":"Miller","startTime":2603.0700625000113,"endTime":2603.430062500011,"body":"risk"},{"speaker":"Miller","startTime":2603.840062500011,"endTime":2604.330062500011,"body":"threshold"},{"speaker":"Miller","startTime":2604.330062500011,"endTime":2604.460062500011,"body":"on"},{"speaker":"Miller","startTime":2604.460062500011,"endTime":2604.660062500011,"body":"that"},{"speaker":"Miller","startTime":2604.660062500011,"endTime":2605.390062500011,"body":"supervisory"},{"speaker":"Miller","startTime":2605.390062500011,"endTime":2605.6500625000112,"body":"test."},{"speaker":"Miller","startTime":2605.700061500011,"endTime":2605.810061500011,"body":"They"},{"speaker":"Miller","startTime":2605.810062500011,"endTime":2605.940062000011,"body":"were"},{"speaker":"Miller","startTime":2605.940062000011,"endTime":2606.190061500011,"body":"pretty"},{"speaker":"Miller","startTime":2606.190061500011,"endTime":2606.550061500011,"body":"clear"},{"speaker":"Miller","startTime":2606.550062500011,"endTime":2606.670062500011,"body":"in"},{"speaker":"Miller","startTime":2606.680062500011,"endTime":2606.730062000011,"body":"the"},{"speaker":"Miller","startTime":2606.730062000011,"endTime":2607.210061500011,"body":"webinar"},{"speaker":"Miller","startTime":2607.230061500011,"endTime":2607.480061500011,"body":"that"},{"speaker":"Miller","startTime":2608.100062500011,"endTime":2608.210062500011,"body":"What"},{"speaker":"Miller","startTime":2608.210062500011,"endTime":2608.3200625000113,"body":"we're"},{"speaker":"Miller","startTime":2608.3200625000113,"endTime":2608.6100625000113,"body":"doing"},{"speaker":"Miller","startTime":2608.620062500011,"endTime":2608.910062500011,"body":"isn't"},{"speaker":"Miller","startTime":2608.910062500011,"endTime":2609.0900625000113,"body":"going"},{"speaker":"Miller","startTime":2609.0900625000113,"endTime":2609.140062500011,"body":"to"},{"speaker":"Miller","startTime":2609.140062500011,"endTime":2609.310062500011,"body":"go"},{"speaker":"Miller","startTime":2609.3200625000113,"endTime":2609.620062500011,"body":"down."},{"speaker":"Miller","startTime":2609.6300625000113,"endTime":2609.8200625000113,"body":"It's"},{"speaker":"Miller","startTime":2609.8400625000113,"endTime":2610.020062500011,"body":"going"},{"speaker":"Miller","startTime":2610.020062500011,"endTime":2610.0700625000113,"body":"to"},{"speaker":"Miller","startTime":2610.0700625000113,"endTime":2610.310062500011,"body":"go"},{"speaker":"Miller","startTime":2610.310062500011,"endTime":2610.520062500011,"body":"up."},{"speaker":"Miller","startTime":2610.5500625000113,"endTime":2610.680062500011,"body":"You"},{"speaker":"Miller","startTime":2610.680062500011,"endTime":2610.8800625000113,"body":"might"},{"speaker":"Miller","startTime":2610.8800625000113,"endTime":2611.1100625000113,"body":"not"},{"speaker":"Miller","startTime":2611.1100625000113,"endTime":2611.290062500011,"body":"get"},{"speaker":"Miller","startTime":2611.290062500011,"endTime":2611.3600625000113,"body":"a"},{"speaker":"Miller","startTime":2611.3600625000113,"endTime":2611.8000625000113,"body":"door,"},{"speaker":"Miller","startTime":2611.8200625000113,"endTime":2612.000062500011,"body":"but"},{"speaker":"Miller","startTime":2612.000062500011,"endTime":2612.170062500011,"body":"our"},{"speaker":"Miller","startTime":2612.170062500011,"endTime":2612.5700625000113,"body":"review"},{"speaker":"Miller","startTime":2612.5700625000113,"endTime":2612.7600625000114,"body":"is"},{"speaker":"Miller","startTime":2612.7800625000114,"endTime":2613.060062500011,"body":"going"},{"speaker":"Miller","startTime":2613.060062500011,"endTime":2613.3600625000113,"body":"to"},{"speaker":"Miller","startTime":2613.890062500011,"endTime":2614.100062500011,"body":"get"},{"speaker":"Miller","startTime":2614.100062500011,"endTime":2614.370062500011,"body":"more"},{"speaker":"Miller","startTime":2614.3800625000113,"endTime":2614.750062500011,"body":"thorough"},{"speaker":"Miller","startTime":2614.870062500011,"endTime":2614.960062500011,"body":"and"},{"speaker":"Miller","startTime":2614.9700625000114,"endTime":2615.190062500011,"body":"more"},{"speaker":"Miller","startTime":2615.190062500011,"endTime":2615.8800625000113,"body":"intense."},{"speaker":"Treichel","startTime":2616.740062500011,"endTime":2617.080062500011,"body":"Todd,"},{"speaker":"Treichel","startTime":2617.080062500011,"endTime":2617.170062500011,"body":"I"},{"speaker":"Treichel","startTime":2617.190062500011,"endTime":2617.420062500011,"body":"think"},{"speaker":"Treichel","startTime":2617.430061500011,"endTime":2617.620061500011,"body":"you"},{"speaker":"Treichel","startTime":2617.620062500011,"endTime":2617.950062500011,"body":"just"},{"speaker":"Treichel","startTime":2617.950062500011,"endTime":2618.200062500011,"body":"hit"},{"speaker":"Treichel","startTime":2618.210062500011,"endTime":2618.410062500011,"body":"the"},{"speaker":"Treichel","startTime":2618.420062500011,"endTime":2618.830062500011,"body":"biggest"},{"speaker":"Treichel","startTime":2618.830062500011,"endTime":2619.230062500011,"body":"highlight"},{"speaker":"Treichel","startTime":2619.230062500011,"endTime":2619.4000625000112,"body":"of"},{"speaker":"Treichel","startTime":2619.4000625000112,"endTime":2619.520062500011,"body":"the"},{"speaker":"Treichel","startTime":2619.530062500011,"endTime":2619.730062500011,"body":"whole"},{"speaker":"Treichel","startTime":2619.730062500011,"endTime":2620.200062500011,"body":"webinar,"},{"speaker":"Treichel","startTime":2620.200062500011,"endTime":2620.230062500011,"body":"and"},{"speaker":"Treichel","startTime":2620.230062500011,"endTime":2620.460062500011,"body":"it's"},{"speaker":"Treichel","startTime":2620.460062500011,"endTime":2620.660062500011,"body":"what"},{"speaker":"Treichel","startTime":2620.660062500011,"endTime":2620.8200625000113,"body":"you"},{"speaker":"Treichel","startTime":2620.8200625000113,"endTime":2621.010062000011,"body":"just"},{"speaker":"Treichel","startTime":2621.010062000011,"endTime":2621.7500615000113,"body":"summarized"},{"speaker":"Treichel","startTime":2621.750062500011,"endTime":2621.870062500011,"body":"and"},{"speaker":"Treichel","startTime":2621.870062500011,"endTime":2622.190062500011,"body":"what"},{"speaker":"Treichel","startTime":2622.600062500011,"endTime":2622.930062500011,"body":"Todd"},{"speaker":"Treichel","startTime":2622.930062500011,"endTime":2623.160062500011,"body":"said"},{"speaker":"Treichel","startTime":2623.160062500011,"endTime":2623.250062500011,"body":"on"},{"speaker":"Treichel","startTime":2623.250062500011,"endTime":2623.340062500011,"body":"the"},{"speaker":"Treichel","startTime":2623.340062500011,"endTime":2623.610062000011,"body":"front"},{"speaker":"Treichel","startTime":2623.610062000011,"endTime":2623.960061500011,"body":"end."},{"speaker":"Treichel","startTime":2624.610061500011,"endTime":2624.840061500011,"body":"It's"},{"speaker":"Treichel","startTime":2624.840062500011,"endTime":2624.890062500011,"body":"a"},{"speaker":"Treichel","startTime":2624.890062500011,"endTime":2625.350062500011,"body":"priority"},{"speaker":"Treichel","startTime":2625.350062500011,"endTime":2625.730062500011,"body":"now."},{"speaker":"Treichel","startTime":2625.750062500011,"endTime":2625.930062500011,"body":"It's"},{"speaker":"Treichel","startTime":2625.930062500011,"endTime":2626.040062500011,"body":"going"},{"speaker":"Treichel","startTime":2626.040063500011,"endTime":2626.060062500011,"body":"to"},{"speaker":"Treichel","startTime":2626.060062500011,"endTime":2626.210061500011,"body":"be"},{"speaker":"Treichel","startTime":2626.210061500011,"endTime":2626.5400615000112,"body":"exam"},{"speaker":"Treichel","startTime":2626.540063500011,"endTime":2626.980062500011,"body":"priority"},{"speaker":"Treichel","startTime":2626.980062500011,"endTime":2627.2900615000112,"body":"next"},{"speaker":"Treichel","startTime":2627.300061500011,"endTime":2627.7700615000113,"body":"year."},{"speaker":"Treichel","startTime":2628.3200625000113,"endTime":2628.9900625000114,"body":"And"},{"speaker":"Treichel","startTime":2629.000062500011,"endTime":2629.460062500011,"body":"you"},{"speaker":"Treichel","startTime":2629.460062500011,"endTime":2629.8600625000113,"body":"also"},{"speaker":"Treichel","startTime":2629.8600625000113,"endTime":2630.1600625000115,"body":"picked"},{"speaker":"Treichel","startTime":2630.1600625000115,"endTime":2630.3600625000113,"body":"up"},{"speaker":"Treichel","startTime":2630.3600625000113,"endTime":2630.4700625000114,"body":"on"},{"speaker":"Treichel","startTime":2630.4700625000114,"endTime":2630.5600625000116,"body":"the"},{"speaker":"Treichel","startTime":2630.5600625000116,"endTime":2630.8400625000113,"body":"fact"},{"speaker":"Treichel","startTime":2630.8400625000113,"endTime":2630.9900625000114,"body":"that"},{"speaker":"Treichel","startTime":2631.0100625000114,"endTime":2631.2200625000114,"body":"their"},{"speaker":"Treichel","startTime":2631.2200625000114,"endTime":2631.5700625000113,"body":"exam"},{"speaker":"Treichel","startTime":2631.5700625000113,"endTime":2632.000062500011,"body":"steps"},{"speaker":"Treichel","startTime":2632.0900625000113,"endTime":2632.4700625000114,"body":"have"},{"speaker":"Treichel","startTime":2632.7600625000114,"endTime":2633.1400625000115,"body":"gone"},{"speaker":"Treichel","startTime":2633.1400625000115,"endTime":2633.4000625000112,"body":"up."},{"speaker":"Treichel","startTime":2633.4300625000114,"endTime":2633.730062500011,"body":"Todd"},{"speaker":"Treichel","startTime":2633.730062500011,"endTime":2633.920062500011,"body":"was"},{"speaker":"Treichel","startTime":2633.920062500011,"endTime":2634.3300625000115,"body":"sending"},{"speaker":"Treichel","startTime":2634.3300625000115,"endTime":2634.8100625000116,"body":"signals"},{"speaker":"Treichel","startTime":2634.8100625000116,"endTime":2635.0600625000116,"body":"there"},{"speaker":"Treichel","startTime":2635.0600625000116,"endTime":2635.2600625000114,"body":"that"},{"speaker":"Treichel","startTime":2635.270062500011,"endTime":2635.500062500011,"body":"he"},{"speaker":"Treichel","startTime":2635.500062500011,"endTime":2635.8200625000113,"body":"wants"},{"speaker":"Treichel","startTime":2635.8200625000113,"endTime":2635.9100625000115,"body":"to"},{"speaker":"Treichel","startTime":2635.9100625000115,"endTime":2636.1300620000115,"body":"make"},{"speaker":"Treichel","startTime":2636.1300620000115,"endTime":2636.560061500011,"body":"sure"},{"speaker":"Treichel","startTime":2636.8100625000116,"endTime":2637.0500625000113,"body":"that"},{"speaker":"Treichel","startTime":2637.0500625000113,"endTime":2637.2600625000114,"body":"this"},{"speaker":"Treichel","startTime":2637.8200625000113,"endTime":2638.0900625000113,"body":"Is"},{"speaker":"Treichel","startTime":2638.0900625000113,"endTime":2638.5100625000114,"body":"addressed"},{"speaker":"Treichel","startTime":2638.5100625000114,"endTime":2639.1100625000113,"body":"appropriately"},{"speaker":"Treichel","startTime":2639.1200625000115,"endTime":2639.3100625000116,"body":"by"},{"speaker":"Treichel","startTime":2639.3100625000116,"endTime":2639.5900625000113,"body":"credit"},{"speaker":"Treichel","startTime":2639.6000625000115,"endTime":2640.0700625000113,"body":"unions."},{"speaker":"Treichel","startTime":2640.0700625000113,"endTime":2640.3800625000113,"body":"But"},{"speaker":"Treichel","startTime":2640.6600625000115,"endTime":2640.9000625000112,"body":"as"},{"speaker":"Treichel","startTime":2640.9000625000112,"endTime":2641.0600625000116,"body":"you"},{"speaker":"Treichel","startTime":2641.0600625000116,"endTime":2641.3400625000113,"body":"said,"},{"speaker":"Treichel","startTime":2641.3400625000113,"endTime":2641.5300625000114,"body":"there's"},{"speaker":"Treichel","startTime":2641.5300625000114,"endTime":2641.6500625000112,"body":"going"},{"speaker":"Treichel","startTime":2641.6500625000112,"endTime":2641.670062500011,"body":"to"},{"speaker":"Treichel","startTime":2641.670062500011,"endTime":2641.7900625000116,"body":"be"},{"speaker":"Treichel","startTime":2642.0400625000116,"endTime":2642.2400625000114,"body":"some"},{"speaker":"Treichel","startTime":2642.2400625000114,"endTime":2642.6500625000112,"body":"difficult"},{"speaker":"Treichel","startTime":2642.6600625000115,"endTime":2643.5500625000113,"body":"conversations."},{"speaker":"Treichel","startTime":2643.980062500011,"endTime":2644.3100625000116,"body":"They've"},{"speaker":"Treichel","startTime":2644.3200625000113,"endTime":2644.690062500011,"body":"armed"},{"speaker":"Treichel","startTime":2644.7000625000114,"endTime":2644.8700625000115,"body":"the"},{"speaker":"Treichel","startTime":2644.8700625000115,"endTime":2645.460062500011,"body":"examiners"},{"speaker":"Treichel","startTime":2645.480062500011,"endTime":2645.6600625000115,"body":"with"},{"speaker":"Treichel","startTime":2645.6600625000115,"endTime":2645.8400625000113,"body":"some"},{"speaker":"Treichel","startTime":2645.8400625000113,"endTime":2646.2000625000114,"body":"more"},{"speaker":"Treichel","startTime":2646.2900625000116,"endTime":2646.750062500011,"body":"exam"},{"speaker":"Treichel","startTime":2646.750062500011,"endTime":2647.1900620000115,"body":"steps"},{"speaker":"Treichel","startTime":2647.1900620000115,"endTime":2647.370061500011,"body":"that"},{"speaker":"Treichel","startTime":2647.3700625000115,"endTime":2647.5200625000116,"body":"will"},{"speaker":"Treichel","startTime":2647.5200625000116,"endTime":2647.7800625000114,"body":"lead"},{"speaker":"Treichel","startTime":2647.7800625000114,"endTime":2647.9300625000114,"body":"to"},{"speaker":"Treichel","startTime":2647.9300625000114,"endTime":2648.1300625000113,"body":"some"},{"speaker":"Treichel","startTime":2648.1300625000113,"endTime":2648.480062500011,"body":"more"},{"speaker":"Treichel","startTime":2648.5100625000114,"endTime":2648.920062500011,"body":"difficult"},{"speaker":"Treichel","startTime":2648.920062500011,"endTime":2649.6500620000115,"body":"conversations."},{"speaker":"Treichel","startTime":2649.6500620000115,"endTime":2649.7800615000115,"body":"But"},{"speaker":"Treichel","startTime":2649.7800625000114,"endTime":2649.8100625000116,"body":"when"},{"speaker":"Treichel","startTime":2649.8300625000115,"endTime":2649.9500625000114,"body":"you"},{"speaker":"Treichel","startTime":2649.9500625000114,"endTime":2650.1000625000115,"body":"get"},{"speaker":"Treichel","startTime":2650.1000625000115,"endTime":2650.1800625000114,"body":"to"},{"speaker":"Treichel","startTime":2650.1800625000114,"endTime":2650.3100620000114,"body":"the"},{"speaker":"Treichel","startTime":2650.3100620000114,"endTime":2650.4800615000113,"body":"other"},{"speaker":"Treichel","startTime":2650.4800615000113,"endTime":2650.7400615000115,"body":"side"},{"speaker":"Treichel","startTime":2650.7400625000114,"endTime":2650.8700625000115,"body":"of"},{"speaker":"Treichel","startTime":2650.8700625000115,"endTime":2651.0600625000116,"body":"that,"},{"speaker":"Treichel","startTime":2651.1100615000114,"endTime":2651.3000615000115,"body":"those"},{"speaker":"Treichel","startTime":2651.310061500011,"endTime":2652.1500615000114,"body":"conversations,"},{"speaker":"Treichel","startTime":2652.4700625000114,"endTime":2652.8900625000115,"body":"hopefully"},{"speaker":"Treichel","startTime":2652.8900625000115,"endTime":2653.0200620000114,"body":"you"},{"speaker":"Treichel","startTime":2653.0200620000114,"endTime":2653.1700615000113,"body":"can"},{"speaker":"Treichel","startTime":2653.170062500011,"endTime":2653.9100625000115,"body":"demonstrate"},{"speaker":"Treichel","startTime":2653.940062500011,"endTime":2654.170062500011,"body":"that"},{"speaker":"Treichel","startTime":2654.170062500011,"endTime":2654.5900625000113,"body":"you've"},{"speaker":"Treichel","startTime":2654.7100615000113,"endTime":2654.9700615000115,"body":"put"},{"speaker":"Treichel","startTime":2654.9700615000115,"endTime":2655.1600615000116,"body":"good"},{"speaker":"Treichel","startTime":2655.190062500011,"endTime":2655.5100625000114,"body":"things"},{"speaker":"Treichel","startTime":2655.5100625000114,"endTime":2655.6400620000113,"body":"in"},{"speaker":"Treichel","startTime":2655.6400620000113,"endTime":2656.120061500011,"body":"place,"},{"speaker":"Treichel","startTime":2656.3900615000116,"endTime":2656.600061500011,"body":"and"},{"speaker":"Treichel","startTime":2656.6000625000115,"endTime":2656.7400625000114,"body":"then"},{"speaker":"Treichel","startTime":2657.1200625000115,"endTime":2657.6000625000115,"body":"perhaps"},{"speaker":"Treichel","startTime":2657.6000625000115,"endTime":2657.7800625000114,"body":"you'll"},{"speaker":"Treichel","startTime":2657.7800625000114,"endTime":2658.0200625000116,"body":"learn"},{"speaker":"Treichel","startTime":2658.0200625000116,"endTime":2658.0900625000113,"body":"a"},{"speaker":"Treichel","startTime":2658.0900625000113,"endTime":2658.3800625000113,"body":"thing"},{"speaker":"Treichel","startTime":2658.3800625000113,"endTime":2658.460062500011,"body":"or"},{"speaker":"Treichel","startTime":2658.460062500011,"endTime":2658.7200625000114,"body":"two"},{"speaker":"Treichel","startTime":2658.7200625000114,"endTime":2658.9300625000114,"body":"from"},{"speaker":"Treichel","startTime":2658.9300625000114,"endTime":2659.1000625000115,"body":"those"},{"speaker":"Treichel","startTime":2659.1000625000115,"endTime":2659.8500625000115,"body":"conversations"},{"speaker":"Treichel","startTime":2659.8500625000115,"endTime":2660.0300625000114,"body":"that"},{"speaker":"Treichel","startTime":2660.0300625000114,"endTime":2660.2800625000114,"body":"can"},{"speaker":"Treichel","startTime":2660.5600625000116,"endTime":2660.8600625000113,"body":"help"},{"speaker":"Treichel","startTime":2660.8600625000113,"endTime":2661.2000625000114,"body":"you"},{"speaker":"Treichel","startTime":2661.250062500011,"endTime":2661.5600625000116,"body":"guide"},{"speaker":"Treichel","startTime":2661.5600625000116,"endTime":2661.710062500011,"body":"your"},{"speaker":"Treichel","startTime":2661.710062500011,"endTime":2661.8700625000115,"body":"own"},{"speaker":"Treichel","startTime":2661.8700625000115,"endTime":2662.1400625000115,"body":"credit"},{"speaker":"Treichel","startTime":2662.1500625000112,"endTime":2662.6300625000113,"body":"union"},{"speaker":"Treichel","startTime":2662.6300625000113,"endTime":2662.670062500011,"body":"even"},{"speaker":"Treichel","startTime":2662.690062500011,"endTime":2665.000062500011,"body":"NCWA"},{"speaker":"Treichel","startTime":2665.000062500011,"endTime":2665.0600625000116,"body":"is"},{"speaker":"Treichel","startTime":2665.0600625000116,"endTime":2665.3700625000115,"body":"pointing"},{"speaker":"Treichel","startTime":2665.3700625000115,"endTime":2665.500062500011,"body":"out,"},{"speaker":"Treichel","startTime":2665.500062500011,"endTime":2665.6500620000115,"body":"but"},{"speaker":"Treichel","startTime":2665.6500620000115,"endTime":2666.0200615000113,"body":"again,"},{"speaker":"Treichel","startTime":2666.3200615000114,"endTime":2666.5200615000113,"body":"you"},{"speaker":"Treichel","startTime":2666.5200625000116,"endTime":2666.820062000011,"body":"nailed"},{"speaker":"Treichel","startTime":2666.820062000011,"endTime":2666.9300615000116,"body":"it"},{"speaker":"Treichel","startTime":2666.9300625000114,"endTime":2667.1400625000115,"body":"right"},{"speaker":"Treichel","startTime":2667.1400625000115,"endTime":2667.4300625000114,"body":"there."},{"speaker":"Treichel","startTime":2668.2750625000112,"endTime":2668.5050625000113,"body":"That"},{"speaker":"Treichel","startTime":2668.5050625000113,"endTime":2668.705062500011,"body":"this"},{"speaker":"Treichel","startTime":2668.705062500011,"endTime":2669.0250625000112,"body":"issue"},{"speaker":"Treichel","startTime":2669.055062500011,"endTime":2669.355062500011,"body":"isn't"},{"speaker":"Treichel","startTime":2669.355062500011,"endTime":2669.595062500011,"body":"going"},{"speaker":"Treichel","startTime":2669.595062500011,"endTime":2670.125062500011,"body":"away,"},{"speaker":"Treichel","startTime":2670.285062500011,"endTime":2670.515062500011,"body":"and"},{"speaker":"Treichel","startTime":2670.515062500011,"endTime":2670.555062500011,"body":"so"},{"speaker":"Treichel","startTime":2670.575062500011,"endTime":2670.765062500011,"body":"we"},{"speaker":"Treichel","startTime":2670.765062500011,"endTime":2671.0050625000113,"body":"will"},{"speaker":"Treichel","startTime":2671.0050625000113,"endTime":2671.155062500011,"body":"be"},{"speaker":"Treichel","startTime":2671.155062500011,"endTime":2671.5250625000112,"body":"asking"},{"speaker":"Treichel","startTime":2671.5250625000112,"endTime":2671.695062500011,"body":"those"},{"speaker":"Treichel","startTime":2671.695062500011,"endTime":2672.105062500011,"body":"difficult"},{"speaker":"Treichel","startTime":2672.105062500011,"endTime":2672.565062500011,"body":"questions"},{"speaker":"Treichel","startTime":2672.595062500011,"endTime":2673.285062500011,"body":"regardless"},{"speaker":"Treichel","startTime":2673.555062500011,"endTime":2673.745062500011,"body":"of"},{"speaker":"Treichel","startTime":2673.745062500011,"endTime":2674.045062500011,"body":"whether"},{"speaker":"Treichel","startTime":2674.045062500011,"endTime":2674.095062500011,"body":"or"},{"speaker":"Treichel","startTime":2674.095062500011,"endTime":2674.435062500011,"body":"not"},{"speaker":"Treichel","startTime":2675.2650625000115,"endTime":2675.795062500011,"body":"guidance"},{"speaker":"Treichel","startTime":2675.8050625000114,"endTime":2676.4350625000116,"body":"requires"},{"speaker":"Treichel","startTime":2676.4650625000113,"endTime":2676.5650625000117,"body":"a"},{"speaker":"Treichel","startTime":2676.5650625000117,"endTime":2677.0750625000114,"body":"door"},{"speaker":"Treichel","startTime":2677.1950615000114,"endTime":2677.3150615000113,"body":"or"},{"speaker":"Treichel","startTime":2677.3150625000117,"endTime":2677.6150625000114,"body":"not."},{"speaker":"Treichel","startTime":2677.6550615000115,"endTime":2677.9750615000116,"body":"That's"},{"speaker":"Treichel","startTime":2677.9750625000115,"endTime":2678.1450625000116,"body":"a"},{"speaker":"Treichel","startTime":2678.1550615000115,"endTime":2678.5350615000116,"body":"great"},{"speaker":"Treichel","startTime":2678.5350625000115,"endTime":2678.5850625000116,"body":"point."},{"speaker":"Treichel","startTime":2679.0950625000114,"endTime":2679.4150625000116,"body":"point"},{"speaker":"Treichel","startTime":2679.4350625000116,"endTime":2679.7050625000115,"body":"and"},{"speaker":"Treichel","startTime":2679.8750625000116,"endTime":2680.2050625000115,"body":"again"},{"speaker":"Treichel","startTime":2680.2550625000113,"endTime":2680.3650625000114,"body":"a"},{"speaker":"Treichel","startTime":2680.3650625000114,"endTime":2680.7650625000115,"body":"highlight"},{"speaker":"Treichel","startTime":2680.8250625000114,"endTime":2681.0550625000114,"body":"of"},{"speaker":"Treichel","startTime":2681.0550625000114,"endTime":2681.1450625000116,"body":"the"},{"speaker":"Treichel","startTime":2681.1450625000116,"endTime":2681.6150625000114,"body":"webinar"},{"speaker":"Treichel","startTime":2681.6150625000114,"endTime":2681.9150625000116,"body":"today."},{"speaker":"Miller","startTime":2682.855062500011,"endTime":2683.0150625000115,"body":"I"},{"speaker":"Miller","startTime":2683.0150625000115,"endTime":2683.3050625000114,"body":"think"},{"speaker":"Miller","startTime":2683.3050625000114,"endTime":2683.5050625000113,"body":"there's"},{"speaker":"Miller","startTime":2683.5050625000113,"endTime":2683.8750625000116,"body":"another"},{"speaker":"Miller","startTime":2683.8750625000116,"endTime":2684.1250625000116,"body":"piece"},{"speaker":"Miller","startTime":2684.1250625000116,"endTime":2684.295062500011,"body":"to"},{"speaker":"Miller","startTime":2684.295062500011,"endTime":2684.3950625000116,"body":"it"},{"speaker":"Miller","startTime":2684.4350625000116,"endTime":2684.6550625000114,"body":"too"},{"speaker":"Miller","startTime":2684.6550625000114,"endTime":2684.855062500011,"body":"if"},{"speaker":"Miller","startTime":2684.855062500011,"endTime":2685.2750625000112,"body":"you're"},{"speaker":"Miller","startTime":2685.2750625000112,"endTime":2685.5050625000113,"body":"an"},{"speaker":"Miller","startTime":2686.4750625000115,"endTime":2687.175062500012,"body":"accrediting"},{"speaker":"Miller","startTime":2687.175062500012,"endTime":2687.655062500012,"body":"official"},{"speaker":"Miller","startTime":2687.655062500012,"endTime":2687.8350625000116,"body":"or"},{"speaker":"Miller","startTime":2687.8450625000114,"endTime":2688.0950625000114,"body":"just"},{"speaker":"Miller","startTime":2688.0950625000114,"endTime":2688.1650625000116,"body":"a"},{"speaker":"Miller","startTime":2688.1650625000116,"endTime":2688.4850625000117,"body":"member"},{"speaker":"Miller","startTime":2688.4850625000117,"endTime":2688.5750620000117,"body":"of"},{"speaker":"Miller","startTime":2688.5750620000117,"endTime":2688.6450615000117,"body":"the"},{"speaker":"Miller","startTime":2688.6450625000116,"endTime":2689.0250625000117,"body":"public"},{"speaker":"Miller","startTime":2689.0250625000117,"endTime":2689.1650625000116,"body":"who"},{"speaker":"Miller","startTime":2689.1650625000116,"endTime":2689.495062000012,"body":"cares"},{"speaker":"Miller","startTime":2689.495062000012,"endTime":2689.7550615000114,"body":"about"},{"speaker":"Miller","startTime":2689.7550625000117,"endTime":2689.8950625000116,"body":"the"},{"speaker":"Miller","startTime":2689.8950625000116,"endTime":2690.8550625000116,"body":"NCISIF"},{"speaker":"Miller","startTime":2691.4350625000116,"endTime":2691.5850625000116,"body":"and"},{"speaker":"Miller","startTime":2691.5850625000116,"endTime":2691.7350625000117,"body":"there's"},{"speaker":"Miller","startTime":2691.7350625000117,"endTime":2691.8750625000116,"body":"some"},{"speaker":"Miller","startTime":2691.8750625000116,"endTime":2692.5450625000117,"body":"positives"},{"speaker":"Miller","startTime":2692.5450625000117,"endTime":2692.6850625000116,"body":"in"},{"speaker":"Miller","startTime":2692.6850625000116,"endTime":2692.8850625000114,"body":"there"},{"speaker":"Miller","startTime":2692.8850625000114,"endTime":2693.1650625000116,"body":"too"},{"speaker":"Miller","startTime":2693.1650625000116,"endTime":2693.4850625000117,"body":"because"},{"speaker":"Miller","startTime":2693.4950615000116,"endTime":2693.6050615000117,"body":"the"},{"speaker":"Miller","startTime":2693.6050625000116,"endTime":2693.8050625000114,"body":"other"},{"speaker":"Miller","startTime":2693.8050625000114,"endTime":2694.3250620000117,"body":"policy"},{"speaker":"Miller","startTime":2694.3250620000117,"endTime":2694.4650615000114,"body":"when"},{"speaker":"Miller","startTime":2694.4650625000118,"endTime":2694.5750620000117,"body":"they"},{"speaker":"Miller","startTime":2694.5750620000117,"endTime":2694.8450615000115,"body":"had"},{"speaker":"Miller","startTime":2694.8450625000114,"endTime":2694.8950625000116,"body":"it"},{"speaker":"Miller","startTime":2694.8950625000116,"endTime":2695.0450625000117,"body":"and"},{"speaker":"Miller","startTime":2695.0450625000117,"endTime":2695.2250625000115,"body":"says"},{"speaker":"Miller","startTime":2695.2250625000115,"endTime":2695.3350625000116,"body":"you're"},{"speaker":"Miller","startTime":2695.3350625000116,"endTime":2695.4850620000116,"body":"going"},{"speaker":"Miller","startTime":2695.4850620000116,"endTime":2695.525061500012,"body":"to"},{"speaker":"Miller","startTime":2695.5350615000116,"endTime":2695.6950615000114,"body":"get"},{"speaker":"Miller","startTime":2695.6950615000114,"endTime":2695.8050615000116,"body":"a"},{"speaker":"Miller","startTime":2695.8150625000117,"endTime":2696.2550620000115,"body":"door"},{"speaker":"Miller","startTime":2696.2550620000115,"endTime":2696.3450615000115,"body":"at"},{"speaker":"Miller","startTime":2696.3450615000115,"endTime":2696.815061500012,"body":"extreme"},{"speaker":"Miller","startTime":2696.8150625000117,"endTime":2697.2250625000115,"body":"interest"},{"speaker":"Miller","startTime":2697.2250625000115,"endTime":2697.4250620000116,"body":"rate"},{"speaker":"Miller","startTime":2697.4250620000116,"endTime":2697.7350615000114,"body":"risk"},{"speaker":"Miller","startTime":2698.2850615000116,"endTime":2698.4350615000117,"body":"it"},{"speaker":"Miller","startTime":2698.4350615000117,"endTime":2698.7900620000114,"body":"caused"},{"speaker":"Miller","startTime":2698.7900620000114,"endTime":2698.8350625000116,"body":"a"},{"speaker":"Miller","startTime":2698.8350625000116,"endTime":2699.1050625000116,"body":"lot"},{"speaker":"Miller","startTime":2699.1050625000116,"endTime":2699.2450625000115,"body":"of"},{"speaker":"Miller","startTime":2699.2450625000115,"endTime":2700.1650625000116,"body":"examiners"},{"speaker":"Miller","startTime":2700.1650625000116,"endTime":2701.0550625000114,"body":"to"},{"speaker":"Miller","startTime":2701.3850625000114,"endTime":2701.7850625000115,"body":"maybe"},{"speaker":"Miller","startTime":2701.7850625000115,"endTime":2702.0550625000114,"body":"give"},{"speaker":"Miller","startTime":2702.0750625000114,"endTime":2702.7050625000115,"body":"creditings"},{"speaker":"Miller","startTime":2702.7350625000117,"endTime":2702.8350625000116,"body":"a"},{"speaker":"Miller","startTime":2702.8650625000114,"endTime":2703.3350625000116,"body":"break"},{"speaker":"Miller","startTime":2703.3450625000114,"endTime":2703.5950625000114,"body":"that"},{"speaker":"Miller","startTime":2703.5950625000114,"endTime":2703.8150625000117,"body":"were"},{"speaker":"Miller","startTime":2703.8150625000117,"endTime":2703.9750625000115,"body":"at"},{"speaker":"Miller","startTime":2703.9750625000115,"endTime":2704.3350625000116,"body":"high"},{"speaker":"Miller","startTime":2704.3350625000116,"endTime":2704.4650625000118,"body":"or"},{"speaker":"Miller","startTime":2704.4750625000115,"endTime":2705.1250625000116,"body":"moderate"},{"speaker":"Miller","startTime":2705.1350625000114,"endTime":2705.3650625000114,"body":"in"},{"speaker":"Miller","startTime":2705.3650625000114,"endTime":2705.6050625000116,"body":"risk"},{"speaker":"Miller","startTime":2705.655062500012,"endTime":2706.0650625000117,"body":"management"},{"speaker":"Miller","startTime":2706.1250625000116,"endTime":2706.8150625000117,"body":"processes"},{"speaker":"Miller","startTime":2706.8250615000115,"endTime":2707.0850615000118,"body":"weren't"},{"speaker":"Miller","startTime":2707.1250625000116,"endTime":2707.3650620000117,"body":"what"},{"speaker":"Miller","startTime":2707.3650620000117,"endTime":2707.5050615000114,"body":"they"},{"speaker":"Miller","startTime":2707.5150625000115,"endTime":2707.7250625000115,"body":"should"},{"speaker":"Miller","startTime":2707.7250625000115,"endTime":2707.8450625000114,"body":"have"},{"speaker":"Miller","startTime":2707.8450625000114,"endTime":2707.9650625000118,"body":"been."},{"speaker":"Miller","startTime":2708.670062500011,"endTime":2708.840062500011,"body":"Because"},{"speaker":"Miller","startTime":2708.850062500011,"endTime":2708.950062500011,"body":"the"},{"speaker":"Miller","startTime":2708.950062500011,"endTime":2709.520062500011,"body":"examiners"},{"speaker":"Miller","startTime":2709.520062500011,"endTime":2709.780062500011,"body":"didn't"},{"speaker":"Miller","startTime":2709.780062500011,"endTime":2709.990062500011,"body":"have"},{"speaker":"Miller","startTime":2709.990062500011,"endTime":2710.100062500011,"body":"to"},{"speaker":"Miller","startTime":2710.100062500011,"endTime":2710.830062500011,"body":"scrutinize"},{"speaker":"Miller","startTime":2710.830062500011,"endTime":2711.070062500011,"body":"them"},{"speaker":"Miller","startTime":2711.070062500011,"endTime":2711.710062500011,"body":"closely"},{"speaker":"Miller","startTime":2712.130062500011,"endTime":2712.790062500011,"body":"and"},{"speaker":"Miller","startTime":2712.800062500011,"endTime":2712.950062500011,"body":"the"},{"speaker":"Miller","startTime":2712.950062500011,"endTime":2713.260062500011,"body":"simple"},{"speaker":"Miller","startTime":2713.270062500011,"endTime":2713.540062500011,"body":"fact"},{"speaker":"Miller","startTime":2713.540062500011,"endTime":2713.620062500011,"body":"of"},{"speaker":"Miller","startTime":2713.630062500011,"endTime":2713.740062500011,"body":"the"},{"speaker":"Miller","startTime":2713.740062500011,"endTime":2714.080062500011,"body":"matter"},{"speaker":"Miller","startTime":2714.140062500011,"endTime":2714.240062500011,"body":"is,"},{"speaker":"Miller","startTime":2714.240062500011,"endTime":2714.380062500011,"body":"there"},{"speaker":"Miller","startTime":2714.380062500011,"endTime":2714.460062500011,"body":"are"},{"speaker":"Miller","startTime":2714.460062500011,"endTime":2714.870062500011,"body":"probably"},{"speaker":"Miller","startTime":2714.870062500011,"endTime":2715.230062500011,"body":"pretty"},{"speaker":"Miller","startTime":2715.240062500011,"endTime":2715.470062500011,"body":"names"},{"speaker":"Miller","startTime":2715.470062500011,"endTime":2715.690062500011,"body":"out"},{"speaker":"Miller","startTime":2715.690062500011,"endTime":2716.030062500011,"body":"there"},{"speaker":"Miller","startTime":2716.500062500011,"endTime":2716.960062500011,"body":"that"},{"speaker":"Miller","startTime":2717.210062500011,"endTime":2717.710062500011,"body":"might"},{"speaker":"Miller","startTime":2717.710062500011,"endTime":2718.290062500011,"body":"be"},{"speaker":"Miller","startTime":2718.3000625000113,"endTime":2718.9000625000112,"body":"moderate"},{"speaker":"Miller","startTime":2718.9000625000112,"endTime":2719.1800625000114,"body":"risk"},{"speaker":"Miller","startTime":2719.210062500011,"endTime":2719.3800625000113,"body":"for"},{"speaker":"Miller","startTime":2719.3800625000113,"endTime":2719.6100625000113,"body":"that"},{"speaker":"Miller","startTime":2719.6100625000113,"endTime":2720.4700625000114,"body":"supervisory"},{"speaker":"Miller","startTime":2720.4700625000114,"endTime":2720.9500625000114,"body":"test"},{"speaker":"Miller","startTime":2721.350061500011,"endTime":2721.530061500011,"body":"that"},{"speaker":"Miller","startTime":2721.5300625000114,"endTime":2721.690062500011,"body":"they"},{"speaker":"Miller","startTime":2721.690062500011,"endTime":2721.910062500011,"body":"do"},{"speaker":"Miller","startTime":2721.910062500011,"endTime":2722.3800625000113,"body":"deserve"},{"speaker":"Miller","startTime":2722.3800625000113,"endTime":2722.450062500011,"body":"a"},{"speaker":"Miller","startTime":2722.450062500011,"endTime":2722.870062500011,"body":"door"},{"speaker":"Miller","startTime":2722.990062500011,"endTime":2723.2200620000112,"body":"and"},{"speaker":"Miller","startTime":2723.2200620000112,"endTime":2723.320061500011,"body":"they"},{"speaker":"Miller","startTime":2723.3200625000113,"endTime":2723.9700620000112,"body":"probably"},{"speaker":"Miller","startTime":2723.9700620000112,"endTime":2724.660061500011,"body":"have."},{"speaker":"Miller","startTime":2725.7500625000116,"endTime":2726.1000625000115,"body":"Taking"},{"speaker":"Miller","startTime":2726.1000625000115,"endTime":2726.3500625000115,"body":"on"},{"speaker":"Miller","startTime":2726.3500625000115,"endTime":2726.6700625000117,"body":"more"},{"speaker":"Miller","startTime":2726.6700625000117,"endTime":2727.0700625000118,"body":"risk"},{"speaker":"Miller","startTime":2727.5600625000116,"endTime":2727.780062500012,"body":"than"},{"speaker":"Miller","startTime":2727.780062500012,"endTime":2727.8900625000115,"body":"they"},{"speaker":"Miller","startTime":2727.9000625000117,"endTime":2728.1700625000117,"body":"should"},{"speaker":"Miller","startTime":2728.1700625000117,"endTime":2728.4000625000117,"body":"have."},{"speaker":"Miller","startTime":2728.4600625000116,"endTime":2728.8700625000115,"body":"And"},{"speaker":"Miller","startTime":2729.1700625000117,"endTime":2729.4200625000117,"body":"maybe"},{"speaker":"Miller","startTime":2729.4200625000117,"endTime":2729.6200625000115,"body":"some"},{"speaker":"Miller","startTime":2729.6200625000115,"endTime":2729.720062500012,"body":"of"},{"speaker":"Miller","startTime":2729.720062500012,"endTime":2729.9300625000114,"body":"those"},{"speaker":"Miller","startTime":2729.9300625000114,"endTime":2730.260062500012,"body":"people"},{"speaker":"Miller","startTime":2730.260062500012,"endTime":2730.4300625000114,"body":"will"},{"speaker":"Miller","startTime":2730.4300625000114,"endTime":2730.6800625000114,"body":"get"},{"speaker":"Miller","startTime":2730.6800625000114,"endTime":2730.9600625000116,"body":"caught"},{"speaker":"Miller","startTime":2730.9800625000116,"endTime":2731.3400625000118,"body":"now"},{"speaker":"Miller","startTime":2731.3500625000115,"endTime":2731.8200625000118,"body":"because"},{"speaker":"Miller","startTime":2732.220062500012,"endTime":2732.3300625000115,"body":"the"},{"speaker":"Miller","startTime":2732.3300625000115,"endTime":2732.8800625000117,"body":"examiners"},{"speaker":"Miller","startTime":2732.8800625000117,"endTime":2733.0700625000118,"body":"don't"},{"speaker":"Miller","startTime":2733.0700625000118,"endTime":2733.2300625000116,"body":"get"},{"speaker":"Miller","startTime":2733.2300625000116,"endTime":2733.3800625000117,"body":"that"},{"speaker":"Miller","startTime":2733.4200625000117,"endTime":2733.9400625000117,"body":"automatic"},{"speaker":"Miller","startTime":2733.9500625000114,"endTime":2734.1500625000117,"body":"get"},{"speaker":"Miller","startTime":2734.1500625000117,"endTime":2734.2700620000114,"body":"out"},{"speaker":"Miller","startTime":2734.2700620000114,"endTime":2734.3900615000116,"body":"of"},{"speaker":"Miller","startTime":2734.3900615000116,"endTime":2734.6800615000116,"body":"jail"},{"speaker":"Miller","startTime":2734.7000625000114,"endTime":2734.9200625000117,"body":"free"},{"speaker":"Miller","startTime":2734.9400625000117,"endTime":2735.3200625000118,"body":"card"},{"speaker":"Miller","startTime":2735.3200625000118,"endTime":2735.6500625000117,"body":"where"},{"speaker":"Miller","startTime":2735.9600625000116,"endTime":2736.1200625000115,"body":"we're"},{"speaker":"Miller","startTime":2736.1200625000115,"endTime":2736.2500625000116,"body":"going"},{"speaker":"Miller","startTime":2736.2500625000116,"endTime":2736.3200625000118,"body":"to"},{"speaker":"Miller","startTime":2736.3200625000118,"endTime":2736.780062500012,"body":"reduce"},{"speaker":"Miller","startTime":2736.780062500012,"endTime":2736.9500625000114,"body":"our"},{"speaker":"Miller","startTime":2736.9500625000114,"endTime":2737.4100625000115,"body":"scope"},{"speaker":"Miller","startTime":2737.4100625000115,"endTime":2737.8600625000117,"body":"and"},{"speaker":"Miller","startTime":2737.8800625000117,"endTime":2738.350062000012,"body":"level"},{"speaker":"Miller","startTime":2738.350062000012,"endTime":2738.4800615000117,"body":"of"},{"speaker":"Miller","startTime":2738.4800625000116,"endTime":2739.0600625000116,"body":"review"},{"speaker":"Miller","startTime":2739.0800625000115,"endTime":2739.2900625000116,"body":"just"},{"speaker":"Miller","startTime":2739.2900625000116,"endTime":2739.6200625000115,"body":"because"},{"speaker":"Miller","startTime":2739.6200625000115,"endTime":2739.7200620000117,"body":"the"},{"speaker":"Miller","startTime":2739.7200620000117,"endTime":2740.1400615000116,"body":"numbers"},{"speaker":"Miller","startTime":2740.1400615000116,"endTime":2740.2200615000115,"body":"are"},{"speaker":"Miller","startTime":2740.2200615000115,"endTime":2740.7800615000115,"body":"moderate"},{"speaker":"Miller","startTime":2741.1600625000115,"endTime":2741.4100625000115,"body":"and"},{"speaker":"Miller","startTime":2741.4100625000115,"endTime":2741.5900625000118,"body":"they'll"},{"speaker":"Miller","startTime":2741.6100625000117,"endTime":2741.8400620000116,"body":"turn"},{"speaker":"Miller","startTime":2741.8400620000116,"endTime":2742.0400615000117,"body":"that"},{"speaker":"Miller","startTime":2742.0400625000116,"endTime":2742.4600625000116,"body":"focus"},{"speaker":"Miller","startTime":2742.4600625000116,"endTime":2742.7600620000117,"body":"back"},{"speaker":"Miller","startTime":2742.7600620000117,"endTime":2743.0100615000115,"body":"on"},{"speaker":"Miller","startTime":2743.0200615000117,"endTime":2743.7600615000115,"body":"governance"},{"speaker":"Miller","startTime":2743.8200615000114,"endTime":2743.940061500012,"body":"a"},{"speaker":"Miller","startTime":2743.9400625000117,"endTime":2744.2700625000116,"body":"little"},{"speaker":"Miller","startTime":2744.300062500012,"endTime":2744.6200625000115,"body":"bit."},{"speaker":"Miller","startTime":2745.1200625000115,"endTime":2745.9200625000117,"body":"And"},{"speaker":"Miller","startTime":2746.480062500011,"endTime":2746.850062500011,"body":"that's"},{"speaker":"Miller","startTime":2746.850062500011,"endTime":2746.910062500011,"body":"a"},{"speaker":"Miller","startTime":2746.910062500011,"endTime":2747.5300625000114,"body":"positive"},{"speaker":"Miller","startTime":2747.580062500011,"endTime":2748.1100625000113,"body":"thing."},{"speaker":"Miller","startTime":2748.4500625000114,"endTime":2748.7000625000114,"body":"If"},{"speaker":"Miller","startTime":2748.7000625000114,"endTime":2748.9400625000117,"body":"you"},{"speaker":"Miller","startTime":2748.9500625000114,"endTime":2749.3300625000115,"body":"really"},{"speaker":"Miller","startTime":2749.3300625000115,"endTime":2749.6100625000117,"body":"want"},{"speaker":"Miller","startTime":2749.6100625000117,"endTime":2749.6900625000117,"body":"to"},{"speaker":"Miller","startTime":2749.6900625000117,"endTime":2750.2900625000116,"body":"see"},{"speaker":"Miller","startTime":2750.7000625000114,"endTime":2750.9400625000117,"body":"your"},{"speaker":"Miller","startTime":2750.9500625000114,"endTime":2751.2000625000114,"body":"share"},{"speaker":"Miller","startTime":2751.2000625000114,"endTime":2751.6000625000115,"body":"insurance"},{"speaker":"Miller","startTime":2751.6000625000115,"endTime":2751.8200625000118,"body":"fund"},{"speaker":"Miller","startTime":2751.8200625000118,"endTime":2752.300062500012,"body":"protected,"},{"speaker":"Miller","startTime":2753.370062500011,"endTime":2753.5900625000113,"body":"that"},{"speaker":"Miller","startTime":2753.710062500011,"endTime":2753.890062500011,"body":"goes"},{"speaker":"Miller","startTime":2753.890062500011,"endTime":2754.0100625000114,"body":"the"},{"speaker":"Miller","startTime":2754.0100625000114,"endTime":2754.1800625000114,"body":"other"},{"speaker":"Miller","startTime":2754.1800625000114,"endTime":2754.3200625000113,"body":"way"},{"speaker":"Miller","startTime":2754.3200625000113,"endTime":2754.4500625000114,"body":"as"},{"speaker":"Miller","startTime":2754.4500625000114,"endTime":2754.7400625000114,"body":"well."},{"speaker":"Treichel","startTime":2754.9300625000114,"endTime":2755.120062500011,"body":"It"},{"speaker":"Treichel","startTime":2755.120062500011,"endTime":2755.4500625000114,"body":"does."},{"speaker":"Treichel","startTime":2755.4500625000114,"endTime":2755.670062500011,"body":"Now"},{"speaker":"Treichel","startTime":2755.6800625000114,"endTime":2755.850062500011,"body":"that's"},{"speaker":"Treichel","startTime":2755.850062500011,"endTime":2755.920062500011,"body":"a,"},{"speaker":"Treichel","startTime":2755.940062500011,"endTime":2756.2600625000114,"body":"that's,"},{"speaker":"Treichel","startTime":2756.2600625000114,"endTime":2756.390062500011,"body":"I"},{"speaker":"Treichel","startTime":2756.4000625000112,"endTime":2756.710062500011,"body":"hadn't"},{"speaker":"Treichel","startTime":2756.710062500011,"endTime":2756.9500625000114,"body":"thought"},{"speaker":"Treichel","startTime":2756.9500625000114,"endTime":2757.0900625000113,"body":"of"},{"speaker":"Treichel","startTime":2757.0900625000113,"endTime":2757.270062500011,"body":"it"},{"speaker":"Treichel","startTime":2757.310061500011,"endTime":2757.5000615000113,"body":"in"},{"speaker":"Treichel","startTime":2757.500062500011,"endTime":2757.7200625000114,"body":"that"},{"speaker":"Treichel","startTime":2757.7200625000114,"endTime":2757.940062500011,"body":"way,"},{"speaker":"Treichel","startTime":2757.940062500011,"endTime":2758.170062500011,"body":"but"},{"speaker":"Treichel","startTime":2758.2000625000114,"endTime":2758.420062500011,"body":"that's"},{"speaker":"Treichel","startTime":2758.420062500011,"endTime":2758.790062500011,"body":"crystal"},{"speaker":"Treichel","startTime":2758.8000625000113,"endTime":2759.000062500011,"body":"clear."},{"speaker":"Treichel","startTime":2759.000062500011,"endTime":2759.170062500011,"body":"That"},{"speaker":"Treichel","startTime":2759.170062500011,"endTime":2759.540062500011,"body":"makes"},{"speaker":"Treichel","startTime":2759.5500625000113,"endTime":2759.920062500011,"body":"perfect"},{"speaker":"Treichel","startTime":2759.920062500011,"endTime":2760.3600625000113,"body":"sense."},{"speaker":"Treichel","startTime":2760.5200615000113,"endTime":2760.720061500011,"body":"We've"},{"speaker":"Treichel","startTime":2760.7200625000114,"endTime":2760.870062500011,"body":"hit"},{"speaker":"Treichel","startTime":2760.870062500011,"endTime":2760.910062500011,"body":"a"},{"speaker":"Treichel","startTime":2760.910062500011,"endTime":2761.1400620000113,"body":"lot"},{"speaker":"Treichel","startTime":2761.1400620000113,"endTime":2761.2100615000113,"body":"of"},{"speaker":"Treichel","startTime":2761.210062500011,"endTime":2761.2800625000114,"body":"the"},{"speaker":"Treichel","startTime":2761.2800625000114,"endTime":2761.910062500011,"body":"highlights"},{"speaker":"Treichel","startTime":2761.910062500011,"endTime":2762.080062500011,"body":"of"},{"speaker":"Treichel","startTime":2762.080062500011,"endTime":2762.160062500011,"body":"the"},{"speaker":"Treichel","startTime":2762.160062500011,"endTime":2762.6300625000113,"body":"letter"},{"speaker":"Treichel","startTime":2762.690062500011,"endTime":2762.830062500011,"body":"and"},{"speaker":"Treichel","startTime":2762.830062500011,"endTime":2762.980062000011,"body":"we've"},{"speaker":"Treichel","startTime":2762.980062000011,"endTime":2763.100061500011,"body":"hit"},{"speaker":"Treichel","startTime":2763.100061500011,"endTime":2763.1500615000114,"body":"a"},{"speaker":"Treichel","startTime":2763.1500625000112,"endTime":2763.920062500011,"body":"highlights"},{"speaker":"Treichel","startTime":2764.0200615000113,"endTime":2764.240061500011,"body":"and"},{"speaker":"Treichel","startTime":2764.2400625000114,"endTime":2764.3200625000113,"body":"I"},{"speaker":"Treichel","startTime":2764.3400625000113,"endTime":2764.5500625000113,"body":"think"},{"speaker":"Treichel","startTime":2764.5500625000113,"endTime":2764.660062500011,"body":"you"},{"speaker":"Treichel","startTime":2764.660062500011,"endTime":2764.850062500011,"body":"just"},{"speaker":"Treichel","startTime":2764.850062500011,"endTime":2764.9900625000114,"body":"hit"},{"speaker":"Treichel","startTime":2764.9900625000114,"endTime":2765.080062500011,"body":"the"},{"speaker":"Treichel","startTime":2765.080062500011,"endTime":2765.3100620000114,"body":"two"},{"speaker":"Treichel","startTime":2765.3100620000114,"endTime":2765.510061500011,"body":"key"},{"speaker":"Treichel","startTime":2765.5100625000114,"endTime":2765.8200625000113,"body":"points"},{"speaker":"Treichel","startTime":2765.8200625000113,"endTime":2765.9500620000113,"body":"of"},{"speaker":"Treichel","startTime":2765.9500620000113,"endTime":2766.120061500011,"body":"what"},{"speaker":"Treichel","startTime":2766.120061500011,"endTime":2766.260061500011,"body":"was"},{"speaker":"Treichel","startTime":2766.2600625000114,"endTime":2766.500062500011,"body":"said"},{"speaker":"Treichel","startTime":2766.500062500011,"endTime":2767.0300625000114,"body":"today"},{"speaker":"Treichel","startTime":2767.0900625000113,"endTime":2767.5700625000113,"body":"before"},{"speaker":"Treichel","startTime":2767.5700625000113,"endTime":2767.960062500011,"body":"we"},{"speaker":"Treichel","startTime":2768.300062500012,"endTime":2768.6600625000115,"body":"wrap"},{"speaker":"Treichel","startTime":2768.6600625000115,"endTime":2769.0400625000116,"body":"this,"},{"speaker":"Treichel","startTime":2769.1100625000117,"endTime":2769.3600625000117,"body":"this"},{"speaker":"Treichel","startTime":2769.3600625000117,"endTime":2769.9000625000117,"body":"episode"},{"speaker":"Treichel","startTime":2769.9100625000115,"endTime":2770.0800625000115,"body":"up,"},{"speaker":"Treichel","startTime":2770.0800625000115,"endTime":2770.3100625000116,"body":"Todd,"},{"speaker":"Treichel","startTime":2770.3100625000116,"endTime":2770.4100625000115,"body":"is"},{"speaker":"Treichel","startTime":2770.4100625000115,"endTime":2770.530062500012,"body":"there"},{"speaker":"Treichel","startTime":2770.530062500012,"endTime":2770.8800625000117,"body":"anything"},{"speaker":"Treichel","startTime":2770.8800625000117,"endTime":2771.1800625000114,"body":"else"},{"speaker":"Treichel","startTime":2771.2100625000116,"endTime":2771.3200625000118,"body":"that."},{"speaker":"Treichel","startTime":2771.7400625000114,"endTime":2772.500062500011,"body":"Anything"},{"speaker":"Treichel","startTime":2772.500062500011,"endTime":2772.6500625000112,"body":"I"},{"speaker":"Treichel","startTime":2772.6600625000115,"endTime":2772.8300625000115,"body":"should"},{"speaker":"Treichel","startTime":2772.8300625000115,"endTime":2772.940062500011,"body":"have"},{"speaker":"Treichel","startTime":2772.940062500011,"endTime":2773.2000625000114,"body":"asked"},{"speaker":"Treichel","startTime":2773.2000625000114,"endTime":2773.310062500011,"body":"you"},{"speaker":"Treichel","startTime":2773.310062500011,"endTime":2773.3800625000113,"body":"or"},{"speaker":"Treichel","startTime":2773.3800625000113,"endTime":2773.7400625000114,"body":"anything"},{"speaker":"Treichel","startTime":2773.7400625000114,"endTime":2773.8900625000115,"body":"that"},{"speaker":"Treichel","startTime":2773.8900625000115,"endTime":2774.2200625000114,"body":"pops"},{"speaker":"Treichel","startTime":2774.2200625000114,"endTime":2774.4000625000112,"body":"into"},{"speaker":"Treichel","startTime":2774.4000625000112,"endTime":2774.520062500011,"body":"your"},{"speaker":"Treichel","startTime":2774.520062500011,"endTime":2774.8300625000115,"body":"mind"},{"speaker":"Treichel","startTime":2774.8900625000115,"endTime":2775.2400625000114,"body":"that"},{"speaker":"Treichel","startTime":2775.270062500011,"endTime":2775.4000625000112,"body":"a"},{"speaker":"Treichel","startTime":2775.4100625000115,"endTime":2775.7000625000114,"body":"credit"},{"speaker":"Treichel","startTime":2775.7000625000114,"endTime":2775.9500625000114,"body":"union"},{"speaker":"Treichel","startTime":2775.9500625000114,"endTime":2776.190062500011,"body":"might"},{"speaker":"Treichel","startTime":2776.230062500011,"endTime":2776.4300625000114,"body":"want"},{"speaker":"Treichel","startTime":2776.4300625000114,"endTime":2776.5100625000114,"body":"to"},{"speaker":"Treichel","startTime":2776.5100625000114,"endTime":2776.7400625000114,"body":"take"},{"speaker":"Treichel","startTime":2776.7400625000114,"endTime":2776.9000625000112,"body":"into"},{"speaker":"Treichel","startTime":2776.9000625000112,"endTime":2777.7000625000114,"body":"consideration"},{"speaker":"Treichel","startTime":2778.1300625000113,"endTime":2778.3800625000113,"body":"as"},{"speaker":"Treichel","startTime":2778.3800625000113,"endTime":2778.6400625000115,"body":"they're"},{"speaker":"Treichel","startTime":2778.6800625000114,"endTime":2779.4300625000114,"body":"negotiating"},{"speaker":"Treichel","startTime":2779.4300625000114,"endTime":2779.6100625000113,"body":"these"},{"speaker":"Treichel","startTime":2779.6100625000113,"endTime":2780.0500625000113,"body":"difficult"},{"speaker":"Treichel","startTime":2780.0500625000113,"endTime":2780.6200625000115,"body":"waters"},{"speaker":"Treichel","startTime":2780.6700615000113,"endTime":2780.8400615000114,"body":"of"},{"speaker":"Treichel","startTime":2780.8400625000113,"endTime":2780.9200620000115,"body":"the"},{"speaker":"Treichel","startTime":2780.9200620000115,"endTime":2781.1900615000113,"body":"world"},{"speaker":"Treichel","startTime":2781.190062500011,"endTime":2781.5100625000114,"body":"today?"},{"speaker":"Miller","startTime":2782.2300615000113,"endTime":2782.4000615000114,"body":"I'll"},{"speaker":"Miller","startTime":2782.4000615000114,"endTime":2782.600061500011,"body":"just"},{"speaker":"Miller","startTime":2782.6000625000115,"endTime":2782.8500625000115,"body":"throw"},{"speaker":"Miller","startTime":2782.8500625000115,"endTime":2783.0500625000113,"body":"one"},{"speaker":"Miller","startTime":2783.0500625000113,"endTime":2783.2200625000114,"body":"more"},{"speaker":"Miller","startTime":2783.2200625000114,"endTime":2783.4700625000114,"body":"thing"},{"speaker":"Miller","startTime":2783.4700625000114,"endTime":2783.6300625000113,"body":"out"},{"speaker":"Miller","startTime":2783.6300625000113,"endTime":2783.7600625000114,"body":"there"},{"speaker":"Miller","startTime":2783.7600625000114,"endTime":2783.8700625000115,"body":"and"},{"speaker":"Miller","startTime":2783.8700625000115,"endTime":2783.9900625000114,"body":"this"},{"speaker":"Miller","startTime":2783.9900625000114,"endTime":2784.1600625000115,"body":"has"},{"speaker":"Miller","startTime":2784.1600625000115,"endTime":2784.4500625000114,"body":"always"},{"speaker":"Miller","startTime":2784.4500625000114,"endTime":2784.6200625000115,"body":"been"},{"speaker":"Miller","startTime":2784.6200625000115,"endTime":2784.8800625000113,"body":"true"},{"speaker":"Miller","startTime":2784.8800625000113,"endTime":2785.000062500011,"body":"and"},{"speaker":"Miller","startTime":2785.000062500011,"endTime":2785.1300625000113,"body":"it"},{"speaker":"Miller","startTime":2785.1300625000113,"endTime":2785.540062500011,"body":"affects"},{"speaker":"Miller","startTime":2785.540062500011,"endTime":2785.710062500011,"body":"all"},{"speaker":"Miller","startTime":2785.710062500011,"endTime":2785.920062500011,"body":"your"},{"speaker":"Miller","startTime":2785.920062500011,"endTime":2786.4900625000114,"body":"clients."},{"speaker":"Miller","startTime":2786.5500625000113,"endTime":2786.6600625000115,"body":"It"},{"speaker":"Miller","startTime":2786.6600625000115,"endTime":2786.8600625000113,"body":"was"},{"speaker":"Miller","startTime":2786.8700625000115,"endTime":2787.210062500011,"body":"brought"},{"speaker":"Miller","startTime":2787.210062500011,"endTime":2787.4400620000115,"body":"out"},{"speaker":"Miller","startTime":2787.4400620000115,"endTime":2787.5900615000114,"body":"in"},{"speaker":"Miller","startTime":2787.5900625000113,"endTime":2787.6900620000115,"body":"the"},{"speaker":"Miller","startTime":2787.6900620000115,"endTime":2788.1500615000114,"body":"question"},{"speaker":"Miller","startTime":2788.1500625000112,"endTime":2788.260062000011,"body":"and"},{"speaker":"Miller","startTime":2788.260062000011,"endTime":2788.6100615000114,"body":"answer"},{"speaker":"Miller","startTime":2788.6100615000114,"endTime":2789.0100615000115,"body":"session."},{"speaker":"Miller","startTime":2789.0100615000115,"endTime":2789.310061500011,"body":"Someone"},{"speaker":"Miller","startTime":2789.3200625000113,"endTime":2789.6000620000113,"body":"asked"},{"speaker":"Miller","startTime":2789.6000620000113,"endTime":2789.810061500011,"body":"a"},{"speaker":"Miller","startTime":2789.8800625000113,"endTime":2790.3300625000115,"body":"question"},{"speaker":"Miller","startTime":2790.3400615000114,"endTime":2790.8000615000115,"body":"about"},{"speaker":"Miller","startTime":2790.850061500011,"endTime":2791.0300615000115,"body":"if"},{"speaker":"Miller","startTime":2791.0300625000114,"endTime":2791.2200625000114,"body":"they're"},{"speaker":"Miller","startTime":2791.2200625000114,"endTime":2791.770062500011,"body":"already"},{"speaker":"Miller","startTime":2791.8400625000113,"endTime":2792.2000625000114,"body":"high"},{"speaker":"Miller","startTime":2792.2000625000114,"endTime":2792.3600625000113,"body":"or"},{"speaker":"Miller","startTime":2792.3600625000113,"endTime":2792.9100625000115,"body":"extreme"},{"speaker":"Miller","startTime":2792.9100625000115,"endTime":2793.1600625000115,"body":"risk,"},{"speaker":"Miller","startTime":2793.2600625000114,"endTime":2793.5500625000113,"body":"should"},{"speaker":"Miller","startTime":2793.5500625000113,"endTime":2793.7000625000114,"body":"they"},{"speaker":"Miller","startTime":2793.7000625000114,"endTime":2793.980062500011,"body":"reach"},{"speaker":"Miller","startTime":2793.980062500011,"endTime":2794.170062500011,"body":"out"},{"speaker":"Miller","startTime":2794.170062500011,"endTime":2794.2800625000114,"body":"to"},{"speaker":"Miller","startTime":2794.2800625000114,"endTime":2794.4300625000114,"body":"the"},{"speaker":"Miller","startTime":2794.4300625000114,"endTime":2795.0800625000115,"body":"examiner"},{"speaker":"Miller","startTime":2795.0800625000115,"endTime":2795.4500625000114,"body":"before"},{"speaker":"Miller","startTime":2795.4500625000114,"endTime":2795.5900625000113,"body":"the"},{"speaker":"Miller","startTime":2795.5900625000113,"endTime":2796.170062500011,"body":"examiner"},{"speaker":"Miller","startTime":2796.170062500011,"endTime":2796.500062500011,"body":"calls"},{"speaker":"Miller","startTime":2796.500062500011,"endTime":2796.8500625000115,"body":"them?"},{"speaker":"Miller","startTime":2797.4300625000114,"endTime":2798.0100625000114,"body":"And"},{"speaker":"Miller","startTime":2798.020062500011,"endTime":2798.4900625000114,"body":"it's"},{"speaker":"Miller","startTime":2798.5100625000114,"endTime":2798.870062500011,"body":"easy"},{"speaker":"Miller","startTime":2798.870062500011,"endTime":2799.020062500011,"body":"to"},{"speaker":"Miller","startTime":2799.020062500011,"endTime":2799.310062500011,"body":"view"},{"speaker":"Miller","startTime":2799.3200625000113,"endTime":2799.600062500011,"body":"your"},{"speaker":"Miller","startTime":2799.600062500011,"endTime":2800.2800625000114,"body":"examiner"},{"speaker":"Miller","startTime":2800.2800625000114,"endTime":2800.4100625000115,"body":"as"},{"speaker":"Miller","startTime":2800.4100625000115,"endTime":2800.560062500011,"body":"an"},{"speaker":"Miller","startTime":2800.5700625000113,"endTime":2801.0300625000114,"body":"enemy,"},{"speaker":"Miller","startTime":2801.0300625000114,"endTime":2801.3000625000113,"body":"but"},{"speaker":"Miller","startTime":2801.3200625000113,"endTime":2801.460062500011,"body":"the"},{"speaker":"Miller","startTime":2801.460062500011,"endTime":2801.9900625000114,"body":"reality"},{"speaker":"Miller","startTime":2802.0300625000114,"endTime":2802.250062500011,"body":"is"},{"speaker":"Miller","startTime":2802.6100625000113,"endTime":2802.7600625000114,"body":"if"},{"speaker":"Miller","startTime":2802.7600625000114,"endTime":2802.960062500011,"body":"you"},{"speaker":"Miller","startTime":2802.960062500011,"endTime":2803.290062500011,"body":"open"},{"speaker":"Miller","startTime":2803.290062500011,"endTime":2803.4100625000115,"body":"the"},{"speaker":"Miller","startTime":2803.4100625000115,"endTime":2803.9100625000115,"body":"door"},{"speaker":"Miller","startTime":2803.9100625000115,"endTime":2804.170062500011,"body":"and"},{"speaker":"Miller","startTime":2804.2000625000114,"endTime":2804.830062500011,"body":"communicate"},{"speaker":"Miller","startTime":2804.830062500011,"endTime":2804.9900625000114,"body":"with"},{"speaker":"Miller","startTime":2804.9900625000114,"endTime":2805.1800625000114,"body":"them"},{"speaker":"Miller","startTime":2805.210062500011,"endTime":2805.4000625000112,"body":"up"},{"speaker":"Miller","startTime":2805.4400615000113,"endTime":2805.930061500011,"body":"front,"},{"speaker":"Miller","startTime":2805.9400615000113,"endTime":2806.1100615000114,"body":"they"},{"speaker":"Miller","startTime":2806.1100625000113,"endTime":2806.2700620000114,"body":"can"},{"speaker":"Miller","startTime":2806.2700620000114,"endTime":2806.580061500011,"body":"become"},{"speaker":"Miller","startTime":2806.580062500011,"endTime":2806.670062500011,"body":"a"},{"speaker":"Miller","startTime":2806.670062500011,"endTime":2807.210062500011,"body":"resource"},{"speaker":"Miller","startTime":2807.2200625000114,"endTime":2807.370062500011,"body":"for"},{"speaker":"Miller","startTime":2807.370062500011,"endTime":2807.620062500011,"body":"your"},{"speaker":"Miller","startTime":2807.620062500011,"endTime":2807.9700625000114,"body":"credit"},{"speaker":"Miller","startTime":2807.9700625000114,"endTime":2808.4700625000114,"body":"union"},{"speaker":"Miller","startTime":2808.4700625000114,"endTime":2808.6600625000115,"body":"and"},{"speaker":"Miller","startTime":2808.670062500011,"endTime":2808.830062500011,"body":"you"},{"speaker":"Miller","startTime":2808.830062500011,"endTime":2809.000062500011,"body":"can"},{"speaker":"Miller","startTime":2809.000062500011,"endTime":2809.3900625000115,"body":"smooth"},{"speaker":"Miller","startTime":2809.4400615000113,"endTime":2809.5300615000115,"body":"a"},{"speaker":"Miller","startTime":2809.5300625000114,"endTime":2809.9300625000114,"body":"lot"},{"speaker":"Miller","startTime":2809.9300625000114,"endTime":2810.100062500011,"body":"of"},{"speaker":"Miller","startTime":2810.1300625000113,"endTime":2810.520062500011,"body":"things"},{"speaker":"Miller","startTime":2810.5900625000113,"endTime":2811.2200625000114,"body":"over"},{"speaker":"Miller","startTime":2811.7000625000114,"endTime":2811.8500620000113,"body":"and"},{"speaker":"Miller","startTime":2811.8500620000113,"endTime":2811.950061500011,"body":"you"},{"speaker":"Miller","startTime":2811.9500625000114,"endTime":2812.1600625000115,"body":"can"},{"speaker":"Miller","startTime":2812.1600625000115,"endTime":2812.6300625000113,"body":"reduce"},{"speaker":"Miller","startTime":2812.6300625000113,"endTime":2812.7200620000112,"body":"a"},{"speaker":"Miller","startTime":2812.7200620000112,"endTime":2813.100061500011,"body":"lot"},{"speaker":"Miller","startTime":2813.100061500011,"endTime":2813.330061500011,"body":"of"},{"speaker":"Miller","startTime":2813.490061500011,"endTime":2814.3400615000114,"body":"exam"},{"speaker":"Miller","startTime":2815.1900615000113,"endTime":2816.2300615000113,"body":"anxiety"},{"speaker":"Miller","startTime":2816.620062500011,"endTime":2817.1300625000113,"body":"and"},{"speaker":"Miller","startTime":2817.1300625000113,"endTime":2817.560062500011,"body":"reduce"},{"speaker":"Miller","startTime":2817.560062500011,"endTime":2817.670062500011,"body":"the"},{"speaker":"Miller","startTime":2817.670062500011,"endTime":2818.350062500011,"body":"difficulty"},{"speaker":"Miller","startTime":2818.350062500011,"endTime":2818.4700625000114,"body":"of"},{"speaker":"Miller","startTime":2818.480062500011,"endTime":2818.7000625000114,"body":"these"},{"speaker":"Miller","startTime":2818.7000625000114,"endTime":2819.480062500011,"body":"questions."},{"speaker":"Miller","startTime":2820.1100625000113,"endTime":2820.3600625000113,"body":"If"},{"speaker":"Miller","startTime":2820.3600625000113,"endTime":2820.540062500011,"body":"you're"},{"speaker":"Miller","startTime":2820.5700625000113,"endTime":2821.350062500011,"body":"communicating"},{"speaker":"Miller","startTime":2821.350062500011,"endTime":2821.5100625000114,"body":"with"},{"speaker":"Miller","startTime":2821.5300625000114,"endTime":2821.7400625000114,"body":"your"},{"speaker":"Miller","startTime":2821.7400625000114,"endTime":2822.390062500011,"body":"examiner"},{"speaker":"Miller","startTime":2822.390062500011,"endTime":2822.560062500011,"body":"up"},{"speaker":"Miller","startTime":2822.560062500011,"endTime":2822.9000625000112,"body":"front,"},{"speaker":"Miller","startTime":2823.0100625000114,"endTime":2823.4000625000112,"body":"so"},{"speaker":"Miller","startTime":2823.4300625000114,"endTime":2823.6100625000113,"body":"pick"},{"speaker":"Miller","startTime":2823.6100625000113,"endTime":2823.730062500011,"body":"up"},{"speaker":"Miller","startTime":2823.730062500011,"endTime":2823.8400625000113,"body":"the"},{"speaker":"Miller","startTime":2823.8400625000113,"endTime":2824.1500625000112,"body":"phone,"},{"speaker":"Miller","startTime":2824.1500625000112,"endTime":2824.4000625000112,"body":"call"},{"speaker":"Miller","startTime":2824.4000625000112,"endTime":2824.560062500011,"body":"them"},{"speaker":"Miller","startTime":2824.560062500011,"endTime":2825.390062500011,"body":"occasionally."},{"speaker":"Miller","startTime":2825.8000625000113,"endTime":2825.890062500011,"body":"A"},{"speaker":"Miller","startTime":2825.890062500011,"endTime":2826.060062500011,"body":"lot"},{"speaker":"Miller","startTime":2826.060062500011,"endTime":2826.1500625000112,"body":"of"},{"speaker":"Miller","startTime":2826.1500625000112,"endTime":2826.2800625000114,"body":"this"},{"speaker":"Miller","startTime":2826.2800625000114,"endTime":2826.500062500011,"body":"stuff"},{"speaker":"Miller","startTime":2826.5300625000114,"endTime":2826.640062500011,"body":"you"},{"speaker":"Miller","startTime":2826.6500625000112,"endTime":2827.0500625000113,"body":"can"},{"speaker":"Miller","startTime":2827.060062500011,"endTime":2827.410062500011,"body":"get"},{"speaker":"Miller","startTime":2827.410062500011,"endTime":2827.6500625000112,"body":"put"},{"speaker":"Miller","startTime":2827.7000625000114,"endTime":2828.2600625000114,"body":"aside"},{"speaker":"Miller","startTime":2828.2600625000114,"endTime":2828.4900625000114,"body":"and"},{"speaker":"Miller","startTime":2828.4900625000114,"endTime":2828.5900625000113,"body":"you"},{"speaker":"Miller","startTime":2828.5900625000113,"endTime":2828.9500625000114,"body":"create"},{"speaker":"Miller","startTime":2828.9500625000114,"endTime":2828.980062000011,"body":"a"},{"speaker":"Miller","startTime":2828.980062000011,"endTime":2829.1700615000113,"body":"lot"},{"speaker":"Miller","startTime":2829.170062500011,"endTime":2829.2600625000114,"body":"of"},{"speaker":"Miller","startTime":2829.2600625000114,"endTime":2829.6000620000113,"body":"trust"},{"speaker":"Miller","startTime":2829.6000620000113,"endTime":2829.700061500011,"body":"and"},{"speaker":"Miller","startTime":2829.7000625000114,"endTime":2830.3400625000113,"body":"credibility"},{"speaker":"Miller","startTime":2830.3400625000113,"endTime":2830.5300625000114,"body":"with"},{"speaker":"Miller","startTime":2830.5300625000114,"endTime":2830.8400625000113,"body":"them"},{"speaker":"Miller","startTime":2831.3200625000113,"endTime":2832.140062500011,"body":"and"},{"speaker":"Miller","startTime":2832.190062500011,"endTime":2832.5200620000114,"body":"life"},{"speaker":"Miller","startTime":2832.5200620000114,"endTime":2832.700061500011,"body":"can"},{"speaker":"Miller","startTime":2832.7000625000114,"endTime":2833.000062500011,"body":"become"},{"speaker":"Miller","startTime":2833.000062500011,"endTime":2833.0600620000114,"body":"a"},{"speaker":"Miller","startTime":2833.0600620000114,"endTime":2833.3000615000115,"body":"lot"},{"speaker":"Miller","startTime":2833.3000625000113,"endTime":2833.8200625000113,"body":"easier"},{"speaker":"Miller","startTime":2833.830062500011,"endTime":2834.000062500011,"body":"for"},{"speaker":"Miller","startTime":2834.000062500011,"endTime":2834.3100620000114,"body":"you"},{"speaker":"Miller","startTime":2834.3100620000114,"endTime":2834.4600615000113,"body":"if"},{"speaker":"Miller","startTime":2834.4800615000113,"endTime":2834.6700615000113,"body":"you"},{"speaker":"Miller","startTime":2834.680061500011,"endTime":2835.1100615000114,"body":"have"},{"speaker":"Miller","startTime":2835.1300625000113,"endTime":2835.500062500011,"body":"open,"},{"speaker":"Miller","startTime":2835.510061500011,"endTime":2835.9600615000113,"body":"honest"},{"speaker":"Miller","startTime":2835.9600615000113,"endTime":2836.200061500011,"body":"and"},{"speaker":"Miller","startTime":2836.7100615000113,"endTime":2837.3400615000114,"body":"consistent"},{"speaker":"Miller","startTime":2837.3400625000113,"endTime":2838.1500625000112,"body":"communications"},{"speaker":"Miller","startTime":2838.160062500011,"endTime":2838.380062000011,"body":"with"},{"speaker":"Miller","startTime":2838.380062000011,"endTime":2838.5700615000114,"body":"your"},{"speaker":"Miller","startTime":2838.5700625000113,"endTime":2839.190062500011,"body":"examiner"},{"speaker":"Miller","startTime":2839.2300615000113,"endTime":2839.490061500011,"body":"and"},{"speaker":"Miller","startTime":2839.4901615000113,"endTime":2839.8749625000114,"body":"that."},{"speaker":"Miller","startTime":2840.115062500011,"endTime":2840.305062500011,"body":"Kind"},{"speaker":"Miller","startTime":2840.305062500011,"endTime":2840.375062500011,"body":"of"},{"speaker":"Miller","startTime":2840.375062500011,"endTime":2840.595062500011,"body":"came"},{"speaker":"Miller","startTime":2840.595062500011,"endTime":2840.7750625000112,"body":"out"},{"speaker":"Miller","startTime":2840.7750625000112,"endTime":2841.085062500011,"body":"during"},{"speaker":"Miller","startTime":2841.085062500011,"endTime":2841.435062500011,"body":"the"},{"speaker":"Miller","startTime":2841.855062500011,"endTime":2842.355062500011,"body":"webinar"},{"speaker":"Miller","startTime":2842.365062500011,"endTime":2842.565062500011,"body":"too"},{"speaker":"Miller","startTime":2842.565062500011,"endTime":2842.685062500011,"body":"in"},{"speaker":"Miller","startTime":2842.685062500011,"endTime":2842.765062500011,"body":"the"},{"speaker":"Miller","startTime":2842.765062500011,"endTime":2843.265062500011,"body":"answering"},{"speaker":"Miller","startTime":2843.265062500011,"endTime":2843.725062500011,"body":"question"},{"speaker":"Miller","startTime":2843.725062500011,"endTime":2844.225062500011,"body":"session."},{"speaker":"Miller","startTime":2844.225062500011,"endTime":2844.635062500011,"body":"So"},{"speaker":"Miller","startTime":2844.785062500011,"endTime":2844.885062500011,"body":"I"},{"speaker":"Miller","startTime":2844.885062500011,"endTime":2845.025062500011,"body":"would"},{"speaker":"Miller","startTime":2845.025062500011,"endTime":2845.205062500011,"body":"say"},{"speaker":"Miller","startTime":2845.205062500011,"endTime":2845.425062500011,"body":"that's"},{"speaker":"Miller","startTime":2845.425062500011,"endTime":2845.655062500011,"body":"one"},{"speaker":"Miller","startTime":2845.655062500011,"endTime":2846.045062500011,"body":"takeaway."},{"speaker":"Miller","startTime":2846.065062500011,"endTime":2846.295062500011,"body":"Don't"},{"speaker":"Miller","startTime":2846.435062500011,"endTime":2847.045062500011,"body":"necessarily"},{"speaker":"Miller","startTime":2847.045062500011,"endTime":2847.295062500011,"body":"treat"},{"speaker":"Miller","startTime":2847.295062500011,"endTime":2847.475062500011,"body":"that"},{"speaker":"Miller","startTime":2847.475062500011,"endTime":2848.165062500011,"body":"examiner"},{"speaker":"Miller","startTime":2848.165062500011,"endTime":2848.375062500011,"body":"and"},{"speaker":"Miller","startTime":2848.375062500011,"endTime":2848.825062500011,"body":"COA"},{"speaker":"Miller","startTime":2848.825062500011,"endTime":2849.025062500011,"body":"as"},{"speaker":"Miller","startTime":2849.035062500011,"endTime":2849.375062500011,"body":"an"},{"speaker":"Miller","startTime":2849.475062500011,"endTime":2850.015062500011,"body":"enemy."},{"speaker":"Miller","startTime":2850.035062500011,"endTime":2850.265062500011,"body":"They're"},{"speaker":"Miller","startTime":2850.275062500011,"endTime":2850.485062500011,"body":"part"},{"speaker":"Miller","startTime":2850.485062500011,"endTime":2850.575062500011,"body":"of"},{"speaker":"Miller","startTime":2850.575062500011,"endTime":2850.655062500011,"body":"the"},{"speaker":"Miller","startTime":2850.655062500011,"endTime":2850.985062500011,"body":"cost"},{"speaker":"Miller","startTime":2850.985062500011,"endTime":2851.045062500011,"body":"of"},{"speaker":"Miller","startTime":2851.045062500011,"endTime":2851.255062500011,"body":"doing"},{"speaker":"Miller","startTime":2851.265062500011,"endTime":2851.755062000011,"body":"business,"},{"speaker":"Miller","startTime":2851.755062000011,"endTime":2851.955061500011,"body":"but"},{"speaker":"Miller","startTime":2852.245062500011,"endTime":2852.405062500011,"body":"you"},{"speaker":"Miller","startTime":2852.405062500011,"endTime":2852.635062500011,"body":"can"},{"speaker":"Miller","startTime":2852.655062500011,"endTime":2852.865062500011,"body":"turn"},{"speaker":"Miller","startTime":2852.865062500011,"endTime":2853.055062500011,"body":"them"},{"speaker":"Miller","startTime":2853.055062500011,"endTime":2853.375062500011,"body":"into"},{"speaker":"Miller","startTime":2853.375062500011,"endTime":2853.445062500011,"body":"a"},{"speaker":"Miller","startTime":2853.445062500011,"endTime":2853.955062500011,"body":"partner"},{"speaker":"Miller","startTime":2853.955062500011,"endTime":2854.115062500011,"body":"if"},{"speaker":"Miller","startTime":2854.135061500011,"endTime":2854.455061500011,"body":"you"},{"speaker":"Miller","startTime":2854.8550625000107,"endTime":2855.395062500011,"body":"communicate"},{"speaker":"Miller","startTime":2855.395062500011,"endTime":2855.945062500011,"body":"effectively"},{"speaker":"Miller","startTime":2855.945062500011,"endTime":2856.115062500011,"body":"with"},{"speaker":"Miller","startTime":2856.115062500011,"endTime":2856.325062500011,"body":"them."},{"speaker":"Treichel","startTime":2857.1100625000113,"endTime":2857.4100625000115,"body":"Great"},{"speaker":"Treichel","startTime":2857.4500625000114,"endTime":2857.710062500011,"body":"point,"},{"speaker":"Treichel","startTime":2857.750062500011,"endTime":2858.1300625000113,"body":"Todd."},{"speaker":"Treichel","startTime":2858.1500625000112,"endTime":2858.5900625000113,"body":"And"},{"speaker":"Treichel","startTime":2858.6800625000114,"endTime":2858.9100625000115,"body":"you"},{"speaker":"Treichel","startTime":2858.9100625000115,"endTime":2859.330062500011,"body":"reminded"},{"speaker":"Treichel","startTime":2859.330062500011,"endTime":2859.4900625000114,"body":"me"},{"speaker":"Treichel","startTime":2859.4900625000114,"endTime":2859.6300625000113,"body":"of"},{"speaker":"Treichel","startTime":2859.6300625000113,"endTime":2859.7000625000114,"body":"a"},{"speaker":"Treichel","startTime":2859.7000625000114,"endTime":2860.020062500011,"body":"quote"},{"speaker":"Treichel","startTime":2860.040062500011,"endTime":2860.2000625000114,"body":"that"},{"speaker":"Treichel","startTime":2860.2000625000114,"endTime":2860.2400625000114,"body":"I"},{"speaker":"Treichel","startTime":2860.250062500011,"endTime":2860.480062500011,"body":"have"},{"speaker":"Treichel","startTime":2860.480062500011,"endTime":2860.5900625000113,"body":"to"},{"speaker":"Treichel","startTime":2860.5900625000113,"endTime":2860.8800625000113,"body":"now"},{"speaker":"Treichel","startTime":2861.000062500011,"endTime":2861.190062500011,"body":"get"},{"speaker":"Treichel","startTime":2861.190062500011,"endTime":2861.3000625000113,"body":"out"},{"speaker":"Treichel","startTime":2861.3000625000113,"endTime":2861.4300625000114,"body":"of"},{"speaker":"Treichel","startTime":2861.440062500011,"endTime":2861.6500625000112,"body":"my"},{"speaker":"Treichel","startTime":2861.6500625000112,"endTime":2861.8800625000113,"body":"head"},{"speaker":"Treichel","startTime":2861.890062500011,"endTime":2862.1800625000114,"body":"here."},{"speaker":"Treichel","startTime":2862.2000625000114,"endTime":2862.440062500011,"body":"And"},{"speaker":"Treichel","startTime":2862.440062500011,"endTime":2862.830062500011,"body":"that"},{"speaker":"Treichel","startTime":2862.8400625000113,"endTime":2863.0300625000114,"body":"so"},{"speaker":"Treichel","startTime":2863.0300625000114,"endTime":2863.9000625000112,"body":"communication"},{"speaker":"Treichel","startTime":2863.920062500011,"endTime":2864.600062500011,"body":"breeds"},{"speaker":"Treichel","startTime":2864.690062500011,"endTime":2865.560062500011,"body":"familiarity."},{"speaker":"Treichel","startTime":2865.600062500011,"endTime":2865.9900625000114,"body":"And"},{"speaker":"Treichel","startTime":2866.0000615000113,"endTime":2866.1900615000113,"body":"there"},{"speaker":"Treichel","startTime":2866.190062500011,"endTime":2866.3400625000113,"body":"was"},{"speaker":"Treichel","startTime":2866.3400625000113,"endTime":2866.4000625000112,"body":"a"},{"speaker":"Treichel","startTime":2866.4000625000112,"endTime":2866.7000625000114,"body":"quote"},{"speaker":"Treichel","startTime":2866.7200625000114,"endTime":2867.100062500011,"body":"that"},{"speaker":"Treichel","startTime":2867.1500625000112,"endTime":2867.4300625000114,"body":"that"},{"speaker":"Treichel","startTime":2867.4300625000114,"endTime":2867.710062500011,"body":"Mark"},{"speaker":"Treichel","startTime":2867.730062500011,"endTime":2868.140062500011,"body":"former"},{"speaker":"Treichel","startTime":2868.5400615000112,"endTime":2868.7500615000113,"body":"board"},{"speaker":"Treichel","startTime":2868.7500615000113,"endTime":2868.950061500011,"body":"member,"},{"speaker":"Treichel","startTime":2868.9600615000113,"endTime":2869.1700615000113,"body":"Mark"},{"speaker":"Treichel","startTime":2869.170062500011,"endTime":2869.6800625000114,"body":"McWater"},{"speaker":"Treichel","startTime":2869.690062500011,"endTime":2869.940062500011,"body":"said"},{"speaker":"Treichel","startTime":2869.940062500011,"endTime":2870.060062500011,"body":"that"},{"speaker":"Treichel","startTime":2870.060062500011,"endTime":2870.1200620000113,"body":"I"},{"speaker":"Treichel","startTime":2870.1200620000113,"endTime":2870.3400615000114,"body":"won't"},{"speaker":"Treichel","startTime":2870.350062500011,"endTime":2870.8000625000113,"body":"forget."},{"speaker":"Treichel","startTime":2870.830061500011,"endTime":2871.010061500011,"body":"And"},{"speaker":"Treichel","startTime":2871.0100625000114,"endTime":2871.1800625000114,"body":"that"},{"speaker":"Treichel","startTime":2871.1800625000114,"endTime":2871.600062500011,"body":"was"},{"speaker":"Treichel","startTime":2871.660061500011,"endTime":2872.620061500011,"body":"familiarity"},{"speaker":"Treichel","startTime":2872.6300625000113,"endTime":2873.000062500011,"body":"breeds"},{"speaker":"Treichel","startTime":2873.000062500011,"endTime":2873.640062500011,"body":"consent."},{"speaker":"Treichel","startTime":2873.8800625000113,"endTime":2874.0500625000113,"body":"So"},{"speaker":"Treichel","startTime":2874.0500625000113,"endTime":2874.2000625000114,"body":"you"},{"speaker":"Treichel","startTime":2874.2100615000113,"endTime":2874.4400615000113,"body":"have"},{"speaker":"Treichel","startTime":2874.4400615000113,"endTime":2874.6100615000114,"body":"those"},{"speaker":"Treichel","startTime":2874.6300625000113,"endTime":2875.5500625000113,"body":"communications"},{"speaker":"Treichel","startTime":2875.9600615000113,"endTime":2876.3400615000114,"body":"and"},{"speaker":"Treichel","startTime":2876.390062500011,"endTime":2876.560062500011,"body":"you"},{"speaker":"Treichel","startTime":2876.5700625000113,"endTime":2876.8000625000113,"body":"have"},{"speaker":"Treichel","startTime":2876.8000625000113,"endTime":2876.980062500011,"body":"those"},{"speaker":"Treichel","startTime":2876.980062500011,"endTime":2877.7000625000114,"body":"dialogues"},{"speaker":"Treichel","startTime":2877.730062500011,"endTime":2877.9100625000115,"body":"and"},{"speaker":"Treichel","startTime":2877.9100625000115,"endTime":2878.000062500011,"body":"they"},{"speaker":"Treichel","startTime":2878.000062500011,"endTime":2878.250062500011,"body":"start"},{"speaker":"Treichel","startTime":2878.270062500011,"endTime":2878.350062500011,"body":"to"},{"speaker":"Treichel","startTime":2878.350062500011,"endTime":2879.0900625000113,"body":"understand"},{"speaker":"Treichel","startTime":2879.3000625000113,"endTime":2879.790062500011,"body":"NCWA"},{"speaker":"Treichel","startTime":2879.8000625000113,"endTime":2880.0700625000113,"body":"starts"},{"speaker":"Treichel","startTime":2880.0700625000113,"endTime":2880.1600625000115,"body":"to"},{"speaker":"Treichel","startTime":2880.1600625000115,"endTime":2880.7000625000114,"body":"understand"},{"speaker":"Treichel","startTime":2880.710062500011,"endTime":2881.0300625000114,"body":"better"},{"speaker":"Treichel","startTime":2881.0300625000114,"endTime":2881.2600625000114,"body":"what"},{"speaker":"Treichel","startTime":2881.2600625000114,"endTime":2881.370062500011,"body":"it"},{"speaker":"Treichel","startTime":2881.370062500011,"endTime":2881.540062500011,"body":"is"},{"speaker":"Treichel","startTime":2881.540062500011,"endTime":2881.670062500011,"body":"you're"},{"speaker":"Treichel","startTime":2881.670062500011,"endTime":2882.0900625000113,"body":"doing."},{"speaker":"Treichel","startTime":2882.480062500011,"endTime":2882.8200625000113,"body":"And"},{"speaker":"Treichel","startTime":2882.890062500011,"endTime":2883.2000625000114,"body":"they're"},{"speaker":"Treichel","startTime":2883.2100615000113,"endTime":2883.5000615000113,"body":"going"},{"speaker":"Treichel","startTime":2883.5300625000114,"endTime":2884.0100625000114,"body":"to"},{"speaker":"Treichel","startTime":2884.010162500011,"endTime":2884.0849625000114,"body":"do."},{"speaker":"Treichel","startTime":2884.5250625000112,"endTime":2884.8250625000114,"body":"That's"},{"speaker":"Treichel","startTime":2884.8250625000114,"endTime":2885.0250625000112,"body":"going"},{"speaker":"Treichel","startTime":2885.0250625000112,"endTime":2885.105062500011,"body":"to"},{"speaker":"Treichel","startTime":2885.105062500011,"endTime":2885.5550625000114,"body":"create"},{"speaker":"Treichel","startTime":2885.5550625000114,"endTime":2886.085062500011,"body":"consent."},{"speaker":"Treichel","startTime":2886.1250625000116,"endTime":2886.315062500011,"body":"They're"},{"speaker":"Treichel","startTime":2886.315062500011,"endTime":2886.545062500011,"body":"going"},{"speaker":"Treichel","startTime":2886.545062500011,"endTime":2886.6950625000113,"body":"to"},{"speaker":"Treichel","startTime":2886.7150625000113,"endTime":2887.085062500011,"body":"come"},{"speaker":"Treichel","startTime":2887.535062500011,"endTime":2887.9850625000113,"body":"towards"},{"speaker":"Treichel","startTime":2887.9850625000113,"endTime":2888.1950625000113,"body":"your"},{"speaker":"Treichel","startTime":2888.1950625000113,"endTime":2888.685062500011,"body":"direction."},{"speaker":"Treichel","startTime":2888.685062500011,"endTime":2888.7750625000112,"body":"If"},{"speaker":"Treichel","startTime":2888.785062500011,"endTime":2888.955062500011,"body":"you're"},{"speaker":"Treichel","startTime":2888.9650625000113,"endTime":2889.355062500011,"body":"building"},{"speaker":"Treichel","startTime":2889.355062500011,"endTime":2889.415062500011,"body":"a"},{"speaker":"Treichel","startTime":2889.415062500011,"endTime":2889.615062500011,"body":"good"},{"speaker":"Treichel","startTime":2889.615062500011,"endTime":2890.095062500011,"body":"program"},{"speaker":"Treichel","startTime":2890.095062500011,"endTime":2890.225062500011,"body":"and"},{"speaker":"Treichel","startTime":2890.225062500011,"endTime":2890.355062500011,"body":"you're"},{"speaker":"Treichel","startTime":2890.365062500011,"endTime":2891.105062500011,"body":"communicating"},{"speaker":"Treichel","startTime":2891.105062500011,"endTime":2891.4650625000113,"body":"that"},{"speaker":"Treichel","startTime":2892.5550625000114,"endTime":2892.835062500011,"body":"to"},{"speaker":"Treichel","startTime":2892.835062500011,"endTime":2893.2750625000112,"body":"them,"},{"speaker":"Treichel","startTime":2893.435062500011,"endTime":2893.815062500011,"body":"they're"},{"speaker":"Treichel","startTime":2894.0950625000114,"endTime":2894.3950625000116,"body":"going"},{"speaker":"Treichel","startTime":2894.3950625000116,"endTime":2894.8450625000114,"body":"to"},{"speaker":"Treichel","startTime":2894.8850625000114,"endTime":2895.1650625000116,"body":"be"},{"speaker":"Treichel","startTime":2895.1650625000116,"endTime":2895.4150625000116,"body":"able"},{"speaker":"Treichel","startTime":2895.4150625000116,"endTime":2895.9550625000115,"body":"to"},{"speaker":"Treichel","startTime":2896.4850625000113,"endTime":2896.8850625000114,"body":"better"},{"speaker":"Treichel","startTime":2896.8850625000114,"endTime":2897.605062500011,"body":"understand"},{"speaker":"Treichel","startTime":2897.605062500011,"endTime":2897.875062500011,"body":"what's"},{"speaker":"Treichel","startTime":2897.875062500011,"endTime":2898.1950625000113,"body":"going"},{"speaker":"Treichel","startTime":2898.1950625000113,"endTime":2898.685062500011,"body":"on"},{"speaker":"Treichel","startTime":2898.705062500011,"endTime":2898.9850625000113,"body":"and"},{"speaker":"Treichel","startTime":2898.9850625000113,"endTime":2899.1950625000113,"body":"then"},{"speaker":"Treichel","startTime":2899.205062500011,"endTime":2899.6550625000114,"body":"use"},{"speaker":"Treichel","startTime":2899.6550625000114,"endTime":2899.885062000011,"body":"that"},{"speaker":"Treichel","startTime":2899.885062000011,"endTime":2900.5250615000114,"body":"examiner"},{"speaker":"Treichel","startTime":2900.5250625000112,"endTime":2901.125062500011,"body":"judgment"},{"speaker":"Treichel","startTime":2901.175061500011,"endTime":2901.3550615000113,"body":"in"},{"speaker":"Treichel","startTime":2901.355062500011,"endTime":2901.415062500011,"body":"a"},{"speaker":"Treichel","startTime":2901.415062500011,"endTime":2901.915062500011,"body":"way"},{"speaker":"Treichel","startTime":2901.995062500011,"endTime":2902.4050625000114,"body":"that"},{"speaker":"Treichel","startTime":2902.4250625000113,"endTime":2902.8850625000114,"body":"is."},{"speaker":"Treichel","startTime":2903.010062500011,"endTime":2903.870062500011,"body":"reasonable"},{"speaker":"Treichel","startTime":2903.980062500011,"endTime":2904.200062500011,"body":"in"},{"speaker":"Treichel","startTime":2904.200062500011,"endTime":2904.650062500011,"body":"dealing"},{"speaker":"Treichel","startTime":2904.680062500011,"endTime":2904.870062500011,"body":"with"},{"speaker":"Treichel","startTime":2904.870062500011,"endTime":2904.960062500011,"body":"the"},{"speaker":"Treichel","startTime":2904.960062500011,"endTime":2905.230062500011,"body":"credit"},{"speaker":"Treichel","startTime":2905.250062500011,"endTime":2905.540062500011,"body":"union."},{"speaker":"Treichel","startTime":2905.540062500011,"endTime":2905.700062500011,"body":"So"},{"speaker":"Treichel","startTime":2905.700062500011,"endTime":2905.980062500011,"body":"great"},{"speaker":"Treichel","startTime":2905.980062500011,"endTime":2906.270062500011,"body":"point."},{"speaker":"Treichel","startTime":2906.270062500011,"endTime":2906.360062500011,"body":"The"},{"speaker":"Treichel","startTime":2906.360062500011,"endTime":2907.010062500011,"body":"communication"},{"speaker":"Treichel","startTime":2907.010062500011,"endTime":2907.1700625000108,"body":"is"},{"speaker":"Treichel","startTime":2907.180062500011,"endTime":2907.630062500011,"body":"always"},{"speaker":"Treichel","startTime":2907.630062500011,"endTime":2907.720062500011,"body":"a"},{"speaker":"Treichel","startTime":2907.720062500011,"endTime":2908.070062500011,"body":"key."},{"speaker":"Treichel","startTime":2908.130062500011,"endTime":2908.4200625000108,"body":"Todd,"},{"speaker":"Treichel","startTime":2908.4200625000108,"endTime":2908.760062500011,"body":"I"},{"speaker":"Treichel","startTime":2908.790062500011,"endTime":2909.070062500011,"body":"really"},{"speaker":"Treichel","startTime":2909.070062500011,"endTime":2909.550062500011,"body":"appreciate"},{"speaker":"Treichel","startTime":2909.560062500011,"endTime":2909.760062500011,"body":"you."},{"speaker":"Treichel","startTime":2909.760062500011,"endTime":2909.860062500011,"body":"And"},{"speaker":"Treichel","startTime":2909.860062500011,"endTime":2910.040062500011,"body":"I've"},{"speaker":"Treichel","startTime":2910.040062500011,"endTime":2910.160062500011,"body":"been"},{"speaker":"Treichel","startTime":2910.160062500011,"endTime":2910.530062500011,"body":"talking"},{"speaker":"Treichel","startTime":2910.530062500011,"endTime":2910.840062500011,"body":"about"},{"speaker":"Treichel","startTime":2910.860062500011,"endTime":2910.990062500011,"body":"the"},{"speaker":"Treichel","startTime":2910.990062500011,"endTime":2911.320062500011,"body":"letter"},{"speaker":"Treichel","startTime":2911.320062500011,"endTime":2911.680062500011,"body":"coming"},{"speaker":"Treichel","startTime":2911.680062500011,"endTime":2912.040062500011,"body":"out"},{"speaker":"Treichel","startTime":2912.080062500011,"endTime":2912.380062000011,"body":"and"},{"speaker":"Treichel","startTime":2912.380062000011,"endTime":2912.500061500011,"body":"then"},{"speaker":"Treichel","startTime":2912.500062500011,"endTime":2912.640062500011,"body":"we"},{"speaker":"Treichel","startTime":2912.640062500011,"endTime":2912.840062000011,"body":"heard"},{"speaker":"Treichel","startTime":2912.840062000011,"endTime":2912.870061500011,"body":"that"},{"speaker":"Treichel","startTime":2912.890062500011,"endTime":2913.070062500011,"body":"as"},{"speaker":"Treichel","startTime":2913.070062500011,"endTime":2913.250062500011,"body":"soon"},{"speaker":"Treichel","startTime":2913.250062500011,"endTime":2913.370062500011,"body":"as"},{"speaker":"Treichel","startTime":2913.370062500011,"endTime":2913.460062500011,"body":"the"},{"speaker":"Treichel","startTime":2913.460062500011,"endTime":2913.730062500011,"body":"letter"},{"speaker":"Treichel","startTime":2913.730062500011,"endTime":2913.980062500011,"body":"came"},{"speaker":"Treichel","startTime":2913.980062500011,"endTime":2914.230062500011,"body":"out,"},{"speaker":"Treichel","startTime":2914.460061500011,"endTime":2914.670061500011,"body":"they"},{"speaker":"Treichel","startTime":2914.670061500011,"endTime":2915.120061500011,"body":"mentioned"},{"speaker":"Treichel","startTime":2915.150062500011,"endTime":2915.410062500011,"body":"that"},{"speaker":"Treichel","startTime":2915.430062500011,"endTime":2915.9400625000108,"body":"the,"},{"speaker":"Treichel","startTime":2915.970062500011,"endTime":2916.220062500011,"body":"this"},{"speaker":"Treichel","startTime":2916.230062500011,"endTime":2916.740062500011,"body":"webinar"},{"speaker":"Treichel","startTime":2916.740062500011,"endTime":2916.860062500011,"body":"was"},{"speaker":"Treichel","startTime":2916.860062500011,"endTime":2916.960062000011,"body":"going"},{"speaker":"Treichel","startTime":2916.960062000011,"endTime":2916.990061500011,"body":"to"},{"speaker":"Treichel","startTime":2916.990062500011,"endTime":2917.130062000011,"body":"be"},{"speaker":"Treichel","startTime":2917.130062000011,"endTime":2917.750061500011,"body":"happening."},{"speaker":"Treichel","startTime":2917.760061500011,"endTime":2918.270061500011,"body":"And"},{"speaker":"Treichel","startTime":2918.270062500011,"endTime":2918.410062500011,"body":"I'm"},{"speaker":"Treichel","startTime":2918.410062500011,"endTime":2918.760062500011,"body":"glad"},{"speaker":"Treichel","startTime":2919.040062500011,"endTime":2919.250062000011,"body":"this"},{"speaker":"Treichel","startTime":2919.250062000011,"endTime":2919.510061500011,"body":"worked"},{"speaker":"Treichel","startTime":2919.510061500011,"endTime":2919.680061500011,"body":"into"},{"speaker":"Treichel","startTime":2919.680062500011,"endTime":2919.930062500011,"body":"both"},{"speaker":"Treichel","startTime":2919.930062500011,"endTime":2920.030062500011,"body":"of"},{"speaker":"Treichel","startTime":2920.030062500011,"endTime":2920.150062000011,"body":"our"},{"speaker":"Treichel","startTime":2920.150062000011,"endTime":2920.640061500011,"body":"schedules"},{"speaker":"Treichel","startTime":2920.640063500011,"endTime":2920.780063000011,"body":"so"},{"speaker":"Treichel","startTime":2920.780063000011,"endTime":2920.930062500011,"body":"that"},{"speaker":"Treichel","startTime":2920.930062500011,"endTime":2921.030062500011,"body":"we"},{"speaker":"Treichel","startTime":2921.030062500011,"endTime":2921.1900625000108,"body":"could"},{"speaker":"Treichel","startTime":2921.1900625000108,"endTime":2921.470062500011,"body":"listen"},{"speaker":"Treichel","startTime":2921.490062500011,"endTime":2921.550062500011,"body":"to"},{"speaker":"Treichel","startTime":2921.550062500011,"endTime":2921.730062500011,"body":"what"},{"speaker":"Treichel","startTime":2921.730062500011,"endTime":2922.380062500011,"body":"NCUA"},{"speaker":"Treichel","startTime":2922.6900625000108,"endTime":2922.950062500011,"body":"had"},{"speaker":"Treichel","startTime":2922.950062500011,"endTime":2923.050062500011,"body":"to"},{"speaker":"Treichel","startTime":2923.050062500011,"endTime":2923.370062500011,"body":"say."},{"speaker":"Treichel","startTime":2923.370062500011,"endTime":2923.530062500011,"body":"We"},{"speaker":"Treichel","startTime":2923.530062500011,"endTime":2923.700062500011,"body":"could"},{"speaker":"Treichel","startTime":2923.800062500011,"endTime":2924.1900625000108,"body":"record"},{"speaker":"Treichel","startTime":2924.1900625000108,"endTime":2924.360062500011,"body":"this"},{"speaker":"Treichel","startTime":2924.360062500011,"endTime":2924.480062500011,"body":"to"},{"speaker":"Treichel","startTime":2924.480062500011,"endTime":2924.700062500011,"body":"give"},{"speaker":"Treichel","startTime":2924.700062500011,"endTime":2924.860062500011,"body":"our"},{"speaker":"Treichel","startTime":2924.860062500011,"endTime":2925.180062500011,"body":"take"},{"speaker":"Treichel","startTime":2925.180062500011,"endTime":2925.370062500011,"body":"on"},{"speaker":"Treichel","startTime":2925.370062500011,"endTime":2925.480062500011,"body":"it"},{"speaker":"Treichel","startTime":2925.530062500011,"endTime":2925.660062500011,"body":"and"},{"speaker":"Treichel","startTime":2925.660062500011,"endTime":2925.770062500011,"body":"we"},{"speaker":"Treichel","startTime":2925.770062500011,"endTime":2925.900062500011,"body":"can"},{"speaker":"Treichel","startTime":2925.900062500011,"endTime":2926.040062500011,"body":"get"},{"speaker":"Treichel","startTime":2926.040062500011,"endTime":2926.160062500011,"body":"it"},{"speaker":"Treichel","startTime":2926.160062500011,"endTime":2926.360062500011,"body":"out"},{"speaker":"Treichel","startTime":2926.360062500011,"endTime":2926.450062500011,"body":"to"},{"speaker":"Treichel","startTime":2926.450062500011,"endTime":2926.530062500011,"body":"the"},{"speaker":"Treichel","startTime":2926.530062500011,"endTime":2927.130062500011,"body":"listeners"},{"speaker":"Treichel","startTime":2927.460062500011,"endTime":2927.730062500011,"body":"real"},{"speaker":"Treichel","startTime":2927.730062500011,"endTime":2928.110062500011,"body":"quick."},{"speaker":"Treichel","startTime":2928.210062500011,"endTime":2928.590062500011,"body":"Next"},{"speaker":"Treichel","startTime":2928.590062500011,"endTime":2928.790062500011,"body":"week,"},{"speaker":"Treichel","startTime":2928.790062500011,"endTime":2929.000062500011,"body":"this"},{"speaker":"Treichel","startTime":2929.000062500011,"endTime":2929.110062500011,"body":"will"},{"speaker":"Treichel","startTime":2929.110062500011,"endTime":2929.350062500011,"body":"be"},{"speaker":"Treichel","startTime":2929.350062500011,"endTime":2929.570062500011,"body":"the"},{"speaker":"Treichel","startTime":2929.580062500011,"endTime":2930.120062500011,"body":"episode"},{"speaker":"Treichel","startTime":2930.140062500011,"endTime":2930.380062500011,"body":"and"},{"speaker":"Treichel","startTime":2930.400062500011,"endTime":2930.710062500011,"body":"thanks"},{"speaker":"Treichel","startTime":2930.710062500011,"endTime":2931.150062500011,"body":"again"},{"speaker":"Treichel","startTime":2931.180062500011,"endTime":2931.570062500011,"body":"for."},{"speaker":"Treichel","startTime":2932.0650625000117,"endTime":2932.6450625000116,"body":"Listening"},{"speaker":"Treichel","startTime":2932.6550625000114,"endTime":2932.7750625000112,"body":"to"},{"speaker":"Treichel","startTime":2932.7750625000112,"endTime":2932.8850625000114,"body":"the"},{"speaker":"Treichel","startTime":2932.8850625000114,"endTime":2933.2650625000115,"body":"webinar"},{"speaker":"Treichel","startTime":2933.2650625000115,"endTime":2933.5650625000117,"body":"today"},{"speaker":"Treichel","startTime":2933.5650625000117,"endTime":2933.6550625000114,"body":"and"},{"speaker":"Treichel","startTime":2933.6550625000114,"endTime":2934.0350625000115,"body":"sharing"},{"speaker":"Treichel","startTime":2934.0350625000115,"endTime":2934.1450625000116,"body":"your"},{"speaker":"Treichel","startTime":2934.1450625000116,"endTime":2934.6450625000116,"body":"wisdom"},{"speaker":"Treichel","startTime":2934.6550625000114,"endTime":2934.8950625000116,"body":"with"},{"speaker":"Treichel","startTime":2934.8950625000116,"endTime":2935.0150625000115,"body":"our"},{"speaker":"Treichel","startTime":2935.0150625000115,"endTime":2935.5150625000115,"body":"listeners"},{"speaker":"Treichel","startTime":2935.545062500011,"endTime":2935.6650625000116,"body":"on"},{"speaker":"Treichel","startTime":2935.6950625000113,"endTime":2935.8050625000114,"body":"the"},{"speaker":"Treichel","startTime":2935.8050625000114,"endTime":2936.3150625000117,"body":"podcast."},{"speaker":"Miller","startTime":2937.015062500011,"endTime":2937.345062500011,"body":"Always"},{"speaker":"Miller","startTime":2937.345062500011,"endTime":2937.405062500011,"body":"a"},{"speaker":"Miller","startTime":2937.405062500011,"endTime":2937.935062500011,"body":"pleasure."},{"speaker":"Treichel","startTime":2938.4650625000113,"endTime":2938.835062500011,"body":"Great."},{"speaker":"Treichel","startTime":2938.9450625000113,"endTime":2939.295062500011,"body":"Great."},{"speaker":"Treichel","startTime":2939.515062500011,"endTime":2939.9250625000113,"body":"And"},{"speaker":"Treichel","startTime":2939.955062500011,"endTime":2940.095062500011,"body":"to"},{"speaker":"Treichel","startTime":2940.095062500011,"endTime":2940.325062500011,"body":"those"},{"speaker":"Treichel","startTime":2940.325062500011,"endTime":2940.375062500011,"body":"of"},{"speaker":"Treichel","startTime":2940.375062500011,"endTime":2940.5050625000113,"body":"you"},{"speaker":"Treichel","startTime":2940.5050625000113,"endTime":2940.9050625000114,"body":"listening,"},{"speaker":"Treichel","startTime":2940.9050625000114,"endTime":2941.015062500011,"body":"we"},{"speaker":"Treichel","startTime":2941.015062500011,"endTime":2941.555062500011,"body":"appreciate"},{"speaker":"Treichel","startTime":2941.555062500011,"endTime":2941.6750625000113,"body":"your"},{"speaker":"Treichel","startTime":2941.685062500011,"endTime":2941.9850625000113,"body":"time."},{"speaker":"Treichel","startTime":2941.9850625000113,"endTime":2942.245062500011,"body":"Thanks"},{"speaker":"Treichel","startTime":2942.245062500011,"endTime":2942.345062500011,"body":"for"},{"speaker":"Treichel","startTime":2942.345062500011,"endTime":2942.7550625000113,"body":"listening"},{"speaker":"Treichel","startTime":2942.7550625000113,"endTime":2942.875062500011,"body":"to"},{"speaker":"Treichel","startTime":2942.875062500011,"endTime":2943.115062500011,"body":"this"},{"speaker":"Treichel","startTime":2943.135062500011,"endTime":2943.7350625000113,"body":"episode"},{"speaker":"Treichel","startTime":2943.7550625000113,"endTime":2943.955062500011,"body":"of"},{"speaker":"Treichel","startTime":2943.955062500011,"endTime":2944.205062500011,"body":"With"},{"speaker":"Treichel","startTime":2944.2150625000113,"endTime":2944.605062500011,"body":"Flying"},{"speaker":"Treichel","startTime":2944.605062500011,"endTime":2945.065062500011,"body":"Colors,"},{"speaker":"Treichel","startTime":2945.385062500011,"endTime":2945.9850625000113,"body":"and"},{"speaker":"Treichel","startTime":2946.0050625000113,"endTime":2946.1950625000113,"body":"we"},{"speaker":"Treichel","startTime":2946.1950625000113,"endTime":2946.4450625000113,"body":"hope"},{"speaker":"Treichel","startTime":2946.4450625000113,"endTime":2946.585062500011,"body":"that"},{"speaker":"Treichel","startTime":2946.585062500011,"endTime":2946.895062500011,"body":"you'll"},{"speaker":"Treichel","startTime":2946.915062500011,"endTime":2947.265062500011,"body":"listen"},{"speaker":"Treichel","startTime":2947.265062500011,"endTime":2947.615062500011,"body":"again"},{"speaker":"Treichel","startTime":2947.625062500011,"endTime":2947.995062500011,"body":"soon."},{"speaker":"Treichel","startTime":2948.015062500011,"endTime":2948.225062500011,"body":"And"},{"speaker":"Treichel","startTime":2948.225062500011,"endTime":2948.385062500011,"body":"this"},{"speaker":"Treichel","startTime":2948.395062500011,"endTime":2948.5050625000113,"body":"is"},{"speaker":"Treichel","startTime":2948.5050625000113,"endTime":2948.725062500011,"body":"Mark"},{"speaker":"Treichel","startTime":2948.725062500011,"endTime":2949.095062500011,"body":"Treichel"},{"speaker":"Treichel","startTime":2949.095062500011,"endTime":2949.475062500011,"body":"signing"},{"speaker":"Treichel","startTime":2949.475062500011,"endTime":2949.745062500011,"body":"off"},{"speaker":"Treichel","startTime":2950.355061500011,"endTime":2950.575061500011,"body":"With"},{"speaker":"Treichel","startTime":2950.575062500011,"endTime":2951.095062500011,"body":"Flying"},{"speaker":"Treichel","startTime":2951.2950625000108,"endTime":2951.8350625000107,"body":"Colors."},{"speaker":"Katie","startTime":2960.3150615000113,"endTime":2960.475061500011,"body":"Thank"},{"speaker":"Katie","startTime":2960.475061500011,"endTime":2960.5650615000113,"body":"you"},{"speaker":"Katie","startTime":2960.5650615000113,"endTime":2960.6750615000115,"body":"for"},{"speaker":"Katie","startTime":2960.6750625000113,"endTime":2961.0550620000113,"body":"joining"},{"speaker":"Katie","startTime":2961.0550620000113,"endTime":2961.075061500011,"body":"us"},{"speaker":"Katie","startTime":2961.225061500011,"endTime":2961.3150615000113,"body":"on"},{"speaker":"Katie","startTime":2961.3150615000113,"endTime":2961.435061500011,"body":"this"},{"speaker":"Katie","startTime":2961.495062500011,"endTime":2962.0250625000112,"body":"episode"},{"speaker":"Katie","startTime":2962.0450615000113,"endTime":2962.265061500011,"body":"of"},{"speaker":"Katie","startTime":2962.2650625000115,"endTime":2962.5250625000112,"body":"With"},{"speaker":"Katie","startTime":2962.535061500011,"endTime":2962.9650615000114,"body":"Flying"},{"speaker":"Katie","startTime":2962.9650615000114,"endTime":2963.365061500011,"body":"Colors."},{"speaker":"Katie","startTime":2963.9250625000113,"endTime":2964.445062000011,"body":"Subscribe"},{"speaker":"Katie","startTime":2964.445062000011,"endTime":2964.555061500011,"body":"on"},{"speaker":"Katie","startTime":2964.555061500011,"endTime":2964.6550615000115,"body":"your"},{"speaker":"Katie","startTime":2964.6550625000114,"endTime":2964.980062500011,"body":"favorite"},{"speaker":"Katie","startTime":2964.980062500011,"endTime":2965.5350625000115,"body":"podcast"},{"speaker":"Katie","startTime":2965.5750625000114,"endTime":2965.815062500011,"body":"app"},{"speaker":"Katie","startTime":2965.815062500011,"endTime":2965.9250625000113,"body":"to"},{"speaker":"Katie","startTime":2965.9250625000113,"endTime":2966.0750625000114,"body":"hear"},{"speaker":"Katie","startTime":2966.0750625000114,"endTime":2966.3850625000114,"body":"future"},{"speaker":"Katie","startTime":2966.3850625000114,"endTime":2966.855062500011,"body":"episodes"},{"speaker":"Katie","startTime":2966.9250625000113,"endTime":2967.0750625000114,"body":"where"},{"speaker":"Katie","startTime":2967.0750625000114,"endTime":2967.455062500011,"body":"subject"},{"speaker":"Katie","startTime":2967.455062500011,"endTime":2967.725062500011,"body":"matter"},{"speaker":"Katie","startTime":2967.725062500011,"endTime":2968.225062500011,"body":"experts"},{"speaker":"Katie","startTime":2968.225062500011,"endTime":2968.375062500011,"body":"of"},{"speaker":"Katie","startTime":2968.415062500011,"endTime":2968.665062500011,"body":"all"},{"speaker":"Katie","startTime":2968.665062500011,"endTime":2969.315062500011,"body":"varieties"},{"speaker":"Katie","startTime":2969.315062500011,"endTime":2969.415062500011,"body":"will"},{"speaker":"Katie","startTime":2969.415062500011,"endTime":2969.7350625000113,"body":"provide"},{"speaker":"Katie","startTime":2969.7750625000112,"endTime":2970.0050625000113,"body":"tips"},{"speaker":"Katie","startTime":2970.1350625000114,"endTime":2970.2650625000115,"body":"on"},{"speaker":"Katie","startTime":2970.2650625000115,"endTime":2970.415062500011,"body":"how"},{"speaker":"Katie","startTime":2970.415062500011,"endTime":2970.5050625000113,"body":"to"},{"speaker":"Katie","startTime":2970.5050625000113,"endTime":2970.8250625000114,"body":"achieve"},{"speaker":"Katie","startTime":2971.0350625000115,"endTime":2971.395062500011,"body":"success"},{"speaker":"Katie","startTime":2971.4250625000113,"endTime":2971.605062500011,"body":"with"},{"speaker":"Katie","startTime":2971.6350625000114,"endTime":2972.435062500011,"body":"NCUA."},{"speaker":"Katie","startTime":2972.665062500011,"endTime":2972.8050625000114,"body":"If"},{"speaker":"Katie","startTime":2972.8050625000114,"endTime":2972.9250625000113,"body":"you"},{"speaker":"Katie","startTime":2972.935061500011,"endTime":2973.015061500011,"body":"would"},{"speaker":"Katie","startTime":2973.0150625000115,"endTime":2973.165062500011,"body":"like"},{"speaker":"Katie","startTime":2973.165062500011,"endTime":2973.2750625000112,"body":"to"},{"speaker":"Katie","startTime":2973.2750625000112,"endTime":2973.495062500011,"body":"learn"},{"speaker":"Katie","startTime":2973.495062500011,"endTime":2973.7350625000113,"body":"more"},{"speaker":"Katie","startTime":2973.7350625000113,"endTime":2973.9250625000113,"body":"about"},{"speaker":"Katie","startTime":2973.9250625000113,"endTime":2974.1050620000115,"body":"how"},{"speaker":"Katie","startTime":2974.1050620000115,"endTime":2974.245061500011,"body":"we"},{"speaker":"Katie","startTime":2974.245062500011,"endTime":2974.495062500011,"body":"assist"},{"speaker":"Katie","startTime":2974.670062500011,"endTime":2974.9500625000114,"body":"credit"},{"speaker":"Katie","startTime":2974.9500625000114,"endTime":2975.4500625000114,"body":"unions,"},{"speaker":"Katie","startTime":2975.580062500011,"endTime":2975.810062500011,"body":"check"},{"speaker":"Katie","startTime":2975.8200625000113,"endTime":2975.9300625000114,"body":"out"},{"speaker":"Katie","startTime":2975.9300625000114,"endTime":2976.0500625000113,"body":"our"},{"speaker":"Katie","startTime":2976.0500625000113,"endTime":2976.6100625000113,"body":"services"},{"speaker":"Katie","startTime":2976.6500625000112,"endTime":2976.850062500011,"body":"at"},{"speaker":"Katie","startTime":2976.850062500011,"endTime":2977.1600625000115,"body":"mark"},{"speaker":"Katie","startTime":2977.2000625000114,"endTime":2977.710062500011,"body":"trickle"},{"speaker":"Katie","startTime":2977.7800625000114,"endTime":2978.040062500011,"body":"dot"},{"speaker":"Katie","startTime":2978.040062500011,"endTime":2978.3900625000115,"body":"com."}]}