{
  "version": "1.2.0",
  "chapters": [
    {
      "title": "Introduction to Mortgages",
      "startTime": 10.6,
      "endTime": 136.13
    },
    {
      "title": "Fixed vs. Variable Rates",
      "startTime": 136.13,
      "endTime": 294.69
    },
    {
      "title": "Understanding Mortgage Penalties",
      "startTime": 294.69,
      "endTime": 431.82
    },
    {
      "title": "Choosing the Right Mortgage",
      "startTime": 431.82,
      "endTime": 678.21
    },
    {
      "title": "The Flexibility of Variable Mortgages",
      "startTime": 678.21,
      "endTime": 758.19
    },
    {
      "title": "Historical Rate Trends",
      "startTime": 758.19,
      "endTime": 940.45
    },
    {
      "title": "Final Thoughts on Mortgage Choices",
      "startTime": 940.45,
      "endTime": 1007.7
    }
  ]
}