{
  "version": "1.2.0",
  "chapters": [
    {
      "title": "How I design policies that grow with your income",
      "startTime": 0,
      "endTime": 60
    },
    {
      "title": "The \"Efficiency\" Myth",
      "startTime": 60,
      "endTime": 167
    },
    {
      "title": "Insurance Is Not an Investment",
      "startTime": 167,
      "endTime": 231
    },
    {
      "title": "Higher Early Cash Value Doesn't Mean Higher Late Cash Value",
      "startTime": 231,
      "endTime": 309
    },
    {
      "title": "The Irony of Max PUA Designs",
      "startTime": 309,
      "endTime": 389
    },
    {
      "title": "Ability to Pay Premium Is #1",
      "startTime": 389,
      "endTime": 465
    },
    {
      "title": "The Insurability Risk",
      "startTime": 465,
      "endTime": 647
    },
    {
      "title": "Policy Potential vs. Efficiency",
      "startTime": 647,
      "endTime": 710
    },
    {
      "title": "Real-World Example: Balanced Growth",
      "startTime": 710,
      "endTime": 779
    },
    {
      "title": "No Deals in Insurance",
      "startTime": 779,
      "endTime": 936
    },
    {
      "title": "Think Like an Institutional Investor",
      "startTime": 936,
      "endTime": 1006
    },
    {
      "title": "Key Takeaway",
      "startTime": 1006,
      "endTime": 1110
    }
  ]
}