{"version":"1.0.0","segments":[{"speaker":"Treichel","startTime":0,"endTime":0.12999999999988177,"body":"I"},{"speaker":"Treichel","startTime":0.12999999999988177,"endTime":0.2599999999999909,"body":"just"},{"speaker":"Treichel","startTime":0.2999999999999545,"endTime":0.4500000000000455,"body":"think"},{"speaker":"Treichel","startTime":0.4500000000000455,"endTime":0.5699999999999363,"body":"it's"},{"speaker":"Treichel","startTime":0.5699999999999363,"endTime":0.9800000000000182,"body":"important"},{"speaker":"Treichel","startTime":0.9800000000000182,"endTime":1.1299999999998818,"body":"for"},{"speaker":"Treichel","startTime":1.1299999999998818,"endTime":1.3799999999998818,"body":"credit"},{"speaker":"Treichel","startTime":1.3899999999998727,"endTime":1.7200000000000273,"body":"unions"},{"speaker":"Treichel","startTime":1.7200000000000273,"endTime":1.7699999999999818,"body":"to"},{"speaker":"Treichel","startTime":1.7699999999999818,"endTime":2.3899999999998727,"body":"understand,"},{"speaker":"Treichel","startTime":2.4399989999999434,"endTime":2.6899989999999434,"body":"that"},{"speaker":"Treichel","startTime":2.6899989999999434,"endTime":2.9299989999999525,"body":"even"},{"speaker":"Treichel","startTime":2.9299989999999525,"endTime":3.369999000000007,"body":"though"},{"speaker":"Treichel","startTime":3.489998000000014,"endTime":4.099997999999914,"body":"complying"},{"speaker":"Treichel","startTime":4.099999000000025,"endTime":4.309999000000062,"body":"with"},{"speaker":"Treichel","startTime":4.309999000000062,"endTime":4.78999900000008,"body":"HMDA"},{"speaker":"Treichel","startTime":4.889998999999989,"endTime":5.099999000000025,"body":"can"},{"speaker":"Treichel","startTime":5.099999000000025,"endTime":5.249999000000116,"body":"be"},{"speaker":"Treichel","startTime":5.249999000000116,"endTime":5.309999000000062,"body":"a"},{"speaker":"Treichel","startTime":5.309999000000062,"endTime":5.939998999999943,"body":"chore,"},{"speaker":"Treichel","startTime":6.019999000000098,"endTime":6.509999000000107,"body":"that"},{"speaker":"Treichel","startTime":6.5799990000000435,"endTime":6.849999000000025,"body":"there"},{"speaker":"Treichel","startTime":6.849999000000025,"endTime":7.069998500000111,"body":"is"},{"speaker":"Treichel","startTime":7.069998500000111,"endTime":7.409998000000087,"body":"a"},{"speaker":"Treichel","startTime":7.569997999999941,"endTime":8.019997999999987,"body":"valid"},{"speaker":"Treichel","startTime":8.019999000000098,"endTime":8.469998999999916,"body":"reason"},{"speaker":"Treichel","startTime":8.499999000000116,"endTime":8.859999000000016,"body":"for"},{"speaker":"Treichel","startTime":8.889998999999989,"endTime":9.29999900000007,"body":"collecting"},{"speaker":"Treichel","startTime":9.29999900000007,"endTime":9.419998999999962,"body":"the"},{"speaker":"Treichel","startTime":9.419998999999962,"endTime":9.699998999999934,"body":"HMDA"},{"speaker":"Treichel","startTime":9.709998999999925,"endTime":10.119999000000007,"body":"data,"},{"speaker":"Treichel","startTime":10.119999000000007,"endTime":10.189998999999943,"body":"and"},{"speaker":"Treichel","startTime":10.199998999999934,"endTime":10.429998999999953,"body":"that"},{"speaker":"Treichel","startTime":10.429998999999953,"endTime":10.589999000000034,"body":"is"},{"speaker":"Treichel","startTime":10.589999000000034,"endTime":10.719998499999974,"body":"to"},{"speaker":"Treichel","startTime":10.719998499999974,"endTime":10.969998000000032,"body":"try"},{"speaker":"Treichel","startTime":10.969998000000032,"endTime":11.04999799999996,"body":"and"},{"speaker":"Treichel","startTime":11.04999799999996,"endTime":11.579997999999932,"body":"ensure"},{"speaker":"Treichel","startTime":11.579999000000043,"endTime":11.949998999999934,"body":"that"},{"speaker":"Treichel","startTime":12.039999999999964,"endTime":12.549999999999955,"body":"mortgage"},{"speaker":"Treichel","startTime":12.569997999999941,"endTime":13.069997999999941,"body":"credit"},{"speaker":"Treichel","startTime":13.639998000000105,"endTime":14.029997999999978,"body":"is"},{"speaker":"Treichel","startTime":14.059998000000178,"endTime":14.479998000000023,"body":"offered"},{"speaker":"Treichel","startTime":14.589999000000034,"endTime":14.669999000000189,"body":"and"},{"speaker":"Treichel","startTime":14.669999000000189,"endTime":15.339999000000034,"body":"extended"},{"speaker":"Treichel","startTime":15.339999000000034,"endTime":15.499999000000116,"body":"to"},{"speaker":"Treichel","startTime":15.499999000000116,"endTime":16.369999000000007,"body":"everybody"},{"speaker":"Treichel","startTime":16.579999000000043,"endTime":17.009999000000107,"body":"based"},{"speaker":"Treichel","startTime":17.009999000000107,"endTime":17.569999000000053,"body":"on"},{"speaker":"Treichel","startTime":18.109999000000244,"endTime":18.54999900000007,"body":"mortgage"},{"speaker":"Treichel","startTime":18.54999900000007,"endTime":18.979999000000134,"body":"related"},{"speaker":"Treichel","startTime":18.979999000000134,"endTime":19.739999000000125,"body":"criteria."},{"speaker":"Treichel","startTime":20.269999000000134,"endTime":20.359999000000133,"body":"Hey"},{"speaker":"Treichel","startTime":20.359999000000133,"endTime":20.829999000000132,"body":"everyone,"},{"speaker":"Treichel","startTime":20.839999000000134,"endTime":20.999999000000134,"body":"this"},{"speaker":"Treichel","startTime":20.999999000000134,"endTime":21.149999000000133,"body":"is"},{"speaker":"Treichel","startTime":21.149999000000133,"endTime":21.559999000000133,"body":"Mark"},{"speaker":"Treichel","startTime":21.639999000000135,"endTime":21.849999000000132,"body":"with"},{"speaker":"Treichel","startTime":21.849999000000132,"endTime":21.909999000000134,"body":"a"},{"speaker":"Treichel","startTime":21.909999000000134,"endTime":22.469999000000133,"body":"special"},{"speaker":"Treichel","startTime":22.599999000000132,"endTime":23.159999000000134,"body":"Archive"},{"speaker":"Treichel","startTime":23.189999000000135,"endTime":23.759999000000132,"body":"episode"},{"speaker":"Treichel","startTime":23.769999000000134,"endTime":24.019999000000134,"body":"of"},{"speaker":"Treichel","startTime":24.019999000000134,"endTime":24.299999000000135,"body":"With"},{"speaker":"Treichel","startTime":24.449999000000133,"endTime":24.999999000000134,"body":"Flying"},{"speaker":"Treichel","startTime":25.099999000000132,"endTime":25.629999000000133,"body":"Colors."},{"speaker":"Treichel","startTime":25.699999000000133,"endTime":25.829999000000132,"body":"I"},{"speaker":"Treichel","startTime":25.829999000000132,"endTime":26.039999000000133,"body":"hope"},{"speaker":"Treichel","startTime":26.039999000000133,"endTime":26.139999000000135,"body":"you"},{"speaker":"Treichel","startTime":26.139999000000135,"endTime":26.479999000000134,"body":"enjoy."},{"speaker":"Treichel","startTime":29.320999000000135,"endTime":29.620999000000133,"body":"Do"},{"speaker":"Treichel","startTime":29.620999000000133,"endTime":29.830999000000133,"body":"you"},{"speaker":"Treichel","startTime":29.830999000000133,"endTime":30.040999000000134,"body":"wanna"},{"speaker":"Treichel","startTime":30.040999000000134,"endTime":30.730999000000132,"body":"maximize"},{"speaker":"Treichel","startTime":30.730999000000132,"endTime":30.850999000000133,"body":"your"},{"speaker":"Treichel","startTime":30.850999000000133,"endTime":31.390999000000136,"body":"success"},{"speaker":"Treichel","startTime":31.390999000000136,"endTime":31.600999000000133,"body":"with"},{"speaker":"Treichel","startTime":31.600999000000133,"endTime":32.470999000000134,"body":"NCUA?"},{"speaker":"Treichel","startTime":32.860999000000135,"endTime":33.16099900000013,"body":"Join"},{"speaker":"Treichel","startTime":33.16099900000013,"endTime":33.430999000000135,"body":"Mark"},{"speaker":"Treichel","startTime":33.430999000000135,"endTime":33.91099900000013,"body":"Trico"},{"speaker":"Treichel","startTime":33.91099900000013,"endTime":34.030999000000136,"body":"as"},{"speaker":"Treichel","startTime":34.06099900000014,"endTime":34.12099900000013,"body":"he"},{"speaker":"Treichel","startTime":34.12099900000013,"endTime":34.45099900000014,"body":"shares"},{"speaker":"Treichel","startTime":34.45099900000014,"endTime":34.60099900000014,"body":"with"},{"speaker":"Treichel","startTime":34.60099900000014,"endTime":34.720999000000134,"body":"you"},{"speaker":"Treichel","startTime":34.720999000000134,"endTime":34.87099900000013,"body":"the"},{"speaker":"Treichel","startTime":34.87099900000013,"endTime":35.41099900000013,"body":"insider's"},{"speaker":"Treichel","startTime":35.41099900000013,"endTime":35.710999000000136,"body":"view"},{"speaker":"Treichel","startTime":35.710999000000136,"endTime":35.860999000000135,"body":"on"},{"speaker":"Treichel","startTime":35.860999000000135,"endTime":36.250999000000135,"body":"passing"},{"speaker":"Treichel","startTime":36.250999000000135,"endTime":36.430999000000135,"body":"your"},{"speaker":"Treichel","startTime":36.430999000000135,"endTime":36.94099900000013,"body":"exam"},{"speaker":"Treichel","startTime":37.180999000000135,"endTime":37.390999000000136,"body":"with"},{"speaker":"Treichel","startTime":37.390999000000136,"endTime":37.84099900000013,"body":"flying"},{"speaker":"Treichel","startTime":37.84099900000013,"endTime":38.35099900000013,"body":"colors."},{"speaker":"Treichel","startTime":38.83099900000013,"endTime":39.01099900000013,"body":"The"},{"speaker":"Treichel","startTime":39.01099900000013,"endTime":39.220999000000134,"body":"With"},{"speaker":"Treichel","startTime":39.220999000000134,"endTime":39.55099900000013,"body":"Flying"},{"speaker":"Treichel","startTime":39.55099900000013,"endTime":39.88099900000013,"body":"Colors"},{"speaker":"Treichel","startTime":39.88099900000013,"endTime":40.48099900000013,"body":"Podcast"},{"speaker":"Treichel","startTime":40.48099900000013,"endTime":40.570999000000135,"body":"is"},{"speaker":"Treichel","startTime":40.570999000000135,"endTime":40.99099900000013,"body":"sponsored"},{"speaker":"Treichel","startTime":40.99099900000013,"endTime":41.110999000000135,"body":"by"},{"speaker":"Treichel","startTime":41.110999000000135,"endTime":41.41099900000013,"body":"Credit"},{"speaker":"Treichel","startTime":41.41099900000013,"endTime":41.77099900000013,"body":"Union"},{"speaker":"Treichel","startTime":41.77099900000013,"endTime":42.10099900000013,"body":"Exam"},{"speaker":"Treichel","startTime":42.10099900000013,"endTime":42.76099900000013,"body":"Solutions"},{"speaker":"Treichel","startTime":42.76099900000013,"endTime":42.88099900000013,"body":"by"},{"speaker":"Treichel","startTime":42.88099900000013,"endTime":43.24099900000013,"body":"Mark"},{"speaker":"Treichel","startTime":43.27099900000013,"endTime":43.720999000000134,"body":"Trico."},{"speaker":"Treichel","startTime":43.960999000000136,"endTime":44.17099900000014,"body":"If"},{"speaker":"Treichel","startTime":44.17099900000014,"endTime":44.26099900000013,"body":"you"},{"speaker":"Treichel","startTime":44.26099900000013,"endTime":44.38099900000013,"body":"would"},{"speaker":"Treichel","startTime":44.38099900000013,"endTime":44.530999000000136,"body":"like"},{"speaker":"Treichel","startTime":44.530999000000136,"endTime":44.680999000000135,"body":"to"},{"speaker":"Treichel","startTime":44.680999000000135,"endTime":44.890999000000136,"body":"work"},{"speaker":"Treichel","startTime":44.890999000000136,"endTime":45.400999000000134,"body":"directly"},{"speaker":"Treichel","startTime":45.400999000000134,"endTime":45.58099900000013,"body":"with"},{"speaker":"Treichel","startTime":45.58099900000013,"endTime":45.70099900000014,"body":"the"},{"speaker":"Treichel","startTime":45.70099900000014,"endTime":46.000999000000135,"body":"Credit"},{"speaker":"Treichel","startTime":46.000999000000135,"endTime":46.33099900000013,"body":"Union"},{"speaker":"Treichel","startTime":46.33099900000013,"endTime":46.69099900000013,"body":"Exam"},{"speaker":"Treichel","startTime":46.69099900000013,"endTime":47.290999000000134,"body":"Solutions"},{"speaker":"Treichel","startTime":47.290999000000134,"endTime":47.650999000000134,"body":"team"},{"speaker":"Treichel","startTime":47.650999000000134,"endTime":47.74099900000014,"body":"and"},{"speaker":"Treichel","startTime":47.77099900000013,"endTime":48.10099900000014,"body":"receive"},{"speaker":"Treichel","startTime":48.10099900000014,"endTime":48.610999000000135,"body":"support"},{"speaker":"Treichel","startTime":48.610999000000135,"endTime":48.70099900000014,"body":"to"},{"speaker":"Treichel","startTime":48.70099900000014,"endTime":49.33099900000013,"body":"optimize"},{"speaker":"Treichel","startTime":49.33099900000013,"endTime":49.42099900000014,"body":"your"},{"speaker":"Treichel","startTime":49.42099900000014,"endTime":49.900999000000134,"body":"results"},{"speaker":"Treichel","startTime":49.900999000000134,"endTime":50.08099900000013,"body":"with"},{"speaker":"Treichel","startTime":50.08099900000013,"endTime":50.77099900000013,"body":"NCUA,"},{"speaker":"Treichel","startTime":50.77099900000013,"endTime":50.92099900000014,"body":"so"},{"speaker":"Treichel","startTime":50.92099900000014,"endTime":51.070999000000135,"body":"you"},{"speaker":"Treichel","startTime":51.070999000000135,"endTime":51.34099900000014,"body":"save"},{"speaker":"Treichel","startTime":51.34099900000014,"endTime":51.820999000000135,"body":"time"},{"speaker":"Treichel","startTime":51.820999000000135,"endTime":52.030999000000136,"body":"and"},{"speaker":"Treichel","startTime":52.030999000000136,"endTime":52.42099900000014,"body":"money,"},{"speaker":"Treichel","startTime":52.750999000000135,"endTime":53.08099900000013,"body":"visit"},{"speaker":"Treichel","startTime":53.08099900000013,"endTime":54.460999000000136,"body":"us@marktrico.com"},{"speaker":"Treichel","startTime":54.52099900000013,"endTime":54.70099900000014,"body":"to"},{"speaker":"Treichel","startTime":54.70099900000014,"endTime":54.970999000000134,"body":"find"},{"speaker":"Treichel","startTime":54.970999000000134,"endTime":55.150999000000134,"body":"out"},{"speaker":"Treichel","startTime":55.150999000000134,"endTime":55.48099900000014,"body":"more."},{"speaker":"Treichel","startTime":61.70999900000013,"endTime":61.88999900000013,"body":"Hey,"},{"speaker":"Treichel","startTime":61.88999900000013,"endTime":62.30999900000013,"body":"everyone,"},{"speaker":"Treichel","startTime":62.30999900000013,"endTime":62.53999900000014,"body":"Mark"},{"speaker":"Treichel","startTime":62.549999000000135,"endTime":62.92999900000013,"body":"Treichel"},{"speaker":"Treichel","startTime":62.94999900000013,"endTime":63.149999000000136,"body":"here"},{"speaker":"Treichel","startTime":63.149999000000136,"endTime":63.51999900000013,"body":"again"},{"speaker":"Treichel","startTime":63.51999900000013,"endTime":63.76999900000013,"body":"with"},{"speaker":"Treichel","startTime":63.76999900000013,"endTime":64.09999900000014,"body":"another"},{"speaker":"Treichel","startTime":64.09999900000014,"endTime":64.48999900000013,"body":"edition"},{"speaker":"Treichel","startTime":64.48999900000013,"endTime":64.67999900000012,"body":"of"},{"speaker":"Treichel","startTime":64.69999900000013,"endTime":64.99999900000013,"body":"With"},{"speaker":"Treichel","startTime":65.01999900000013,"endTime":65.37999900000014,"body":"Flying"},{"speaker":"Treichel","startTime":65.37999900000014,"endTime":65.80999900000013,"body":"Colors."},{"speaker":"Treichel","startTime":65.90999900000014,"endTime":66.34999900000014,"body":"I'm"},{"speaker":"Treichel","startTime":66.37999900000014,"endTime":66.69999900000013,"body":"thrilled"},{"speaker":"Treichel","startTime":66.69999900000013,"endTime":66.97999900000013,"body":"today"},{"speaker":"Treichel","startTime":66.97999900000013,"endTime":67.07999900000013,"body":"to"},{"speaker":"Treichel","startTime":67.07999900000013,"endTime":67.28999900000014,"body":"be"},{"speaker":"Treichel","startTime":67.28999900000014,"endTime":67.78999900000014,"body":"joined"},{"speaker":"Treichel","startTime":67.79999900000013,"endTime":68.10999900000013,"body":"by"},{"speaker":"Treichel","startTime":68.11999900000013,"endTime":68.46999900000014,"body":"Joe"},{"speaker":"Treichel","startTime":68.48999900000013,"endTime":69.01999900000013,"body":"Goldberg."},{"speaker":"Treichel","startTime":69.04999900000013,"endTime":69.33999900000013,"body":"Joe,"},{"speaker":"Treichel","startTime":69.33999900000013,"endTime":69.48999900000013,"body":"how"},{"speaker":"Treichel","startTime":69.48999900000013,"endTime":69.55999900000013,"body":"are"},{"speaker":"Treichel","startTime":69.55999900000013,"endTime":69.71999900000014,"body":"you"},{"speaker":"Treichel","startTime":69.72009900000013,"endTime":70.24003233333346,"body":"doing"},{"speaker":"Treichel","startTime":70.24003233333346,"endTime":70.7599656666668,"body":"this"},{"speaker":"Treichel","startTime":70.7599656666668,"endTime":71.27989900000014,"body":"morning?"},{"speaker":"Treichel","startTime":71.27999900000013,"endTime":71.45999900000014,"body":"Doing"},{"speaker":"Treichel","startTime":71.45999900000014,"endTime":71.65999900000014,"body":"well,"},{"speaker":"Treichel","startTime":71.67999800000013,"endTime":71.94999800000014,"body":"Mark."},{"speaker":"Treichel","startTime":71.94999900000013,"endTime":72.17999850000014,"body":"Thank"},{"speaker":"Treichel","startTime":72.17999850000014,"endTime":72.25999800000014,"body":"you"},{"speaker":"Treichel","startTime":72.25999800000014,"endTime":72.37999800000014,"body":"for"},{"speaker":"Treichel","startTime":72.37999900000014,"endTime":72.66999900000013,"body":"having"},{"speaker":"Treichel","startTime":72.66999900000013,"endTime":72.87999900000014,"body":"me."},{"speaker":"Treichel","startTime":73.03999900000014,"endTime":73.21999850000013,"body":"You"},{"speaker":"Treichel","startTime":73.21999850000013,"endTime":73.46999800000013,"body":"got"},{"speaker":"Treichel","startTime":73.46999800000013,"endTime":73.60999800000013,"body":"it."},{"speaker":"Treichel","startTime":73.64999900000014,"endTime":73.79999850000013,"body":"You"},{"speaker":"Treichel","startTime":73.79999850000013,"endTime":73.98999800000013,"body":"got"},{"speaker":"Treichel","startTime":73.98999900000013,"endTime":74.07999900000013,"body":"it."},{"speaker":"Treichel","startTime":74.07999900000013,"endTime":74.29999850000013,"body":"Well,"},{"speaker":"Treichel","startTime":74.29999850000013,"endTime":74.54999800000013,"body":"Joe,"},{"speaker":"Treichel","startTime":74.54999800000013,"endTime":74.73999800000013,"body":"for"},{"speaker":"Treichel","startTime":74.74999900000014,"endTime":75.03999900000014,"body":"those"},{"speaker":"Treichel","startTime":75.10999900000013,"endTime":75.42999850000014,"body":"people"},{"speaker":"Treichel","startTime":75.42999850000014,"endTime":75.56999800000014,"body":"who"},{"speaker":"Treichel","startTime":75.56999900000014,"endTime":75.73999900000013,"body":"may"},{"speaker":"Treichel","startTime":75.73999900000013,"endTime":75.87999900000014,"body":"have"},{"speaker":"Treichel","startTime":75.88999900000013,"endTime":76.10999900000013,"body":"missed"},{"speaker":"Treichel","startTime":76.14999900000014,"endTime":76.36999900000013,"body":"your"},{"speaker":"Treichel","startTime":76.36999900000013,"endTime":76.70999850000014,"body":"first"},{"speaker":"Treichel","startTime":76.70999850000014,"endTime":77.31999800000014,"body":"episode,"},{"speaker":"Treichel","startTime":77.39999900000014,"endTime":77.56999900000014,"body":"could"},{"speaker":"Treichel","startTime":77.56999900000014,"endTime":77.67999850000014,"body":"you"},{"speaker":"Treichel","startTime":77.67999850000014,"endTime":77.85999800000013,"body":"give"},{"speaker":"Treichel","startTime":77.85999900000013,"endTime":78.00999850000014,"body":"us"},{"speaker":"Treichel","startTime":78.00999850000014,"endTime":78.06999800000014,"body":"a"},{"speaker":"Treichel","startTime":78.06999800000014,"endTime":78.25999800000014,"body":"little"},{"speaker":"Treichel","startTime":78.25999800000014,"endTime":78.55999800000014,"body":"bit"},{"speaker":"Treichel","startTime":78.62999900000014,"endTime":78.81999850000014,"body":"of"},{"speaker":"Treichel","startTime":78.81999850000014,"endTime":78.87999800000013,"body":"a"},{"speaker":"Treichel","startTime":78.87999900000014,"endTime":79.42999900000014,"body":"bio"},{"speaker":"Treichel","startTime":79.45999900000014,"endTime":79.62999900000014,"body":"on"},{"speaker":"Treichel","startTime":79.62999900000014,"endTime":80.01999900000014,"body":"yourself,"},{"speaker":"Treichel","startTime":80.03999900000014,"endTime":80.15999850000014,"body":"if"},{"speaker":"Treichel","startTime":80.15999850000014,"endTime":80.27999800000013,"body":"you"},{"speaker":"Treichel","startTime":80.27999900000013,"endTime":80.51999900000013,"body":"will,"},{"speaker":"Treichel","startTime":80.51999900000013,"endTime":80.64999850000014,"body":"on"},{"speaker":"Treichel","startTime":80.64999850000014,"endTime":80.88999800000013,"body":"what"},{"speaker":"Treichel","startTime":80.88999900000013,"endTime":81.03999900000014,"body":"you've"},{"speaker":"Treichel","startTime":81.03999900000014,"endTime":81.24999900000014,"body":"done"},{"speaker":"Treichel","startTime":81.34999900000014,"endTime":81.36999900000013,"body":"in"},{"speaker":"Treichel","startTime":81.36999900000013,"endTime":81.45999900000014,"body":"the"},{"speaker":"Treichel","startTime":81.45999900000014,"endTime":81.91999900000013,"body":"financial"},{"speaker":"Treichel","startTime":81.91999900000013,"endTime":82.21999900000014,"body":"industry?"},{"speaker":"Treichel","startTime":82.76499900000013,"endTime":83.05499900000014,"body":"Sure,"},{"speaker":"Treichel","startTime":83.05499900000014,"endTime":83.32499900000013,"body":"well,"},{"speaker":"Treichel","startTime":83.35499900000013,"endTime":83.47499900000014,"body":"I"},{"speaker":"Treichel","startTime":83.47499900000014,"endTime":84.28499900000014,"body":"retired"},{"speaker":"Treichel","startTime":84.42499900000013,"endTime":84.65499900000013,"body":"this"},{"speaker":"Treichel","startTime":84.67499900000013,"endTime":85.05499900000014,"body":"past"},{"speaker":"Treichel","startTime":85.09499900000014,"endTime":85.53499900000014,"body":"December"},{"speaker":"Treichel","startTime":86.09499900000014,"endTime":86.17499900000013,"body":"31st"},{"speaker":"Treichel","startTime":86.18499900000013,"endTime":86.28499900000014,"body":"from"},{"speaker":"Treichel","startTime":86.28499900000014,"endTime":87.10499900000013,"body":"NCUA"},{"speaker":"Treichel","startTime":87.10499900000013,"endTime":87.52499900000014,"body":"after"},{"speaker":"Treichel","startTime":87.52499900000014,"endTime":87.67499900000013,"body":"8"},{"speaker":"Treichel","startTime":87.69499900000014,"endTime":88.20499900000013,"body":"years"},{"speaker":"Treichel","startTime":88.34499900000014,"endTime":88.68499900000013,"body":"doing"},{"speaker":"Treichel","startTime":88.68499900000013,"endTime":89.08499900000012,"body":"consumer"},{"speaker":"Treichel","startTime":89.08499900000012,"endTime":89.74499900000013,"body":"compliance"},{"speaker":"Treichel","startTime":89.74499900000013,"endTime":90.15499900000013,"body":"work"},{"speaker":"Treichel","startTime":90.30499900000014,"endTime":90.60499900000013,"body":"that"},{"speaker":"Treichel","startTime":90.65499900000013,"endTime":91.28499900000014,"body":"includes"},{"speaker":"Treichel","startTime":91.29499900000013,"endTime":91.57499900000013,"body":"fair"},{"speaker":"Treichel","startTime":91.57499900000013,"endTime":92.17499900000013,"body":"lending"},{"speaker":"Treichel","startTime":92.17499900000013,"endTime":92.36499900000013,"body":"and"},{"speaker":"Treichel","startTime":92.37499900000013,"endTime":92.48499900000013,"body":"the"},{"speaker":"Treichel","startTime":92.48499900000013,"endTime":92.66499900000014,"body":"Home"},{"speaker":"Treichel","startTime":92.66499900000014,"endTime":92.99499900000013,"body":"Mortgage"},{"speaker":"Treichel","startTime":92.99499900000013,"endTime":93.59499900000013,"body":"Disclosure"},{"speaker":"Treichel","startTime":93.59499900000014,"endTime":93.85499850000014,"body":"Act,"},{"speaker":"Treichel","startTime":93.85499850000014,"endTime":93.97499800000014,"body":"which"},{"speaker":"Treichel","startTime":93.97499800000014,"endTime":94.18499800000014,"body":"we're"},{"speaker":"Treichel","startTime":94.20499900000013,"endTime":94.30499900000014,"body":"going"},{"speaker":"Treichel","startTime":94.30499900000014,"endTime":94.38499900000014,"body":"to"},{"speaker":"Treichel","startTime":94.38499900000014,"endTime":94.58499900000012,"body":"talk"},{"speaker":"Treichel","startTime":94.59499900000014,"endTime":94.86499900000013,"body":"about"},{"speaker":"Treichel","startTime":94.86499900000013,"endTime":95.24499900000013,"body":"today."},{"speaker":"Treichel","startTime":95.60499900000013,"endTime":95.78499900000014,"body":"I've"},{"speaker":"Treichel","startTime":95.78499900000014,"endTime":95.93499900000015,"body":"been"},{"speaker":"Treichel","startTime":95.95499900000013,"endTime":96.10499900000013,"body":"a"},{"speaker":"Treichel","startTime":96.10499900000013,"endTime":96.53499900000014,"body":"lawyer"},{"speaker":"Treichel","startTime":96.53499900000014,"endTime":96.69499900000014,"body":"for"},{"speaker":"Treichel","startTime":96.69499900000014,"endTime":96.89499900000014,"body":"over"},{"speaker":"Treichel","startTime":96.89499900000014,"endTime":97.22499900000014,"body":"40"},{"speaker":"Treichel","startTime":97.23499900000013,"endTime":97.88499900000014,"body":"years."},{"speaker":"Treichel","startTime":97.88499900000014,"endTime":98.05499900000014,"body":"I've"},{"speaker":"Treichel","startTime":98.09499900000014,"endTime":98.42499900000013,"body":"taught"},{"speaker":"Treichel","startTime":98.45499900000013,"endTime":99.02499900000014,"body":"consumer"},{"speaker":"Treichel","startTime":99.02499900000014,"endTime":99.55499900000014,"body":"law,"},{"speaker":"Treichel","startTime":100.10499900000013,"endTime":100.37499900000014,"body":"just"},{"speaker":"Treichel","startTime":100.37499900000014,"endTime":100.57499900000013,"body":"done"},{"speaker":"Treichel","startTime":100.57499900000013,"endTime":101.04499900000013,"body":"a"},{"speaker":"Treichel","startTime":101.11499900000013,"endTime":101.97499900000014,"body":"variety"},{"speaker":"Treichel","startTime":101.97499900000014,"endTime":102.25499900000014,"body":"of"},{"speaker":"Treichel","startTime":102.29499900000013,"endTime":102.73499900000013,"body":"things"},{"speaker":"Treichel","startTime":102.73499900000013,"endTime":102.86499900000013,"body":"in"},{"speaker":"Treichel","startTime":102.87499900000014,"endTime":103.00499900000014,"body":"the"},{"speaker":"Treichel","startTime":103.03499900000014,"endTime":103.38499900000014,"body":"legal"},{"speaker":"Treichel","startTime":103.39499900000013,"endTime":103.80499900000015,"body":"field,"},{"speaker":"Treichel","startTime":103.80499900000015,"endTime":104.38499900000014,"body":"including"},{"speaker":"Treichel","startTime":104.38499900000014,"endTime":104.62499900000014,"body":"the"},{"speaker":"Treichel","startTime":104.67499900000013,"endTime":105.07499900000013,"body":"financial"},{"speaker":"Treichel","startTime":105.09499900000014,"endTime":105.77499900000015,"body":"regulation."},{"speaker":"Treichel","startTime":106.02499900000014,"endTime":106.31499900000014,"body":"Very"},{"speaker":"Treichel","startTime":106.31499900000014,"endTime":106.64499900000014,"body":"good."},{"speaker":"Treichel","startTime":106.64499900000014,"endTime":106.93499900000015,"body":"Well,"},{"speaker":"Treichel","startTime":106.95499800000015,"endTime":107.19499800000014,"body":"I'm"},{"speaker":"Treichel","startTime":107.22499900000014,"endTime":107.59499900000014,"body":"thrilled"},{"speaker":"Treichel","startTime":107.93499900000015,"endTime":108.09499900000014,"body":"to"},{"speaker":"Treichel","startTime":108.09499900000014,"endTime":108.38499900000014,"body":"have"},{"speaker":"Treichel","startTime":108.38499900000015,"endTime":108.68499900000015,"body":"you"},{"speaker":"Treichel","startTime":108.71499900000015,"endTime":108.95499850000014,"body":"as"},{"speaker":"Treichel","startTime":108.95499850000014,"endTime":109.01499800000015,"body":"a"},{"speaker":"Treichel","startTime":109.01499900000015,"endTime":109.30499900000014,"body":"guest"},{"speaker":"Treichel","startTime":109.30499900000014,"endTime":109.57499850000015,"body":"today."},{"speaker":"Treichel","startTime":109.57499850000015,"endTime":109.64499800000014,"body":"And"},{"speaker":"Treichel","startTime":109.64499900000014,"endTime":109.77499900000014,"body":"as"},{"speaker":"Treichel","startTime":109.77499900000014,"endTime":109.88499900000015,"body":"you"},{"speaker":"Treichel","startTime":109.88499900000015,"endTime":110.23499900000014,"body":"mentioned,"},{"speaker":"Treichel","startTime":110.23499900000014,"endTime":110.35499900000015,"body":"we're"},{"speaker":"Treichel","startTime":110.35499900000015,"endTime":110.47499900000014,"body":"going"},{"speaker":"Treichel","startTime":110.47499900000014,"endTime":110.67499900000014,"body":"to"},{"speaker":"Treichel","startTime":110.74499800000014,"endTime":110.98499800000015,"body":"talk"},{"speaker":"Treichel","startTime":110.99499800000014,"endTime":111.39499800000014,"body":"about"},{"speaker":"Treichel","startTime":111.45499800000015,"endTime":111.64499800000014,"body":"the"},{"speaker":"Treichel","startTime":111.64499900000014,"endTime":111.91499900000014,"body":"Home"},{"speaker":"Treichel","startTime":111.91499900000015,"endTime":112.39499900000014,"body":"Mortgage"},{"speaker":"Treichel","startTime":112.39499900000014,"endTime":113.02499850000014,"body":"Disclosure"},{"speaker":"Treichel","startTime":113.02499850000014,"endTime":113.26499800000015,"body":"Act,"},{"speaker":"Treichel","startTime":113.28499800000014,"endTime":113.58499800000014,"body":"also"},{"speaker":"Treichel","startTime":113.58499900000014,"endTime":113.78499850000014,"body":"known"},{"speaker":"Treichel","startTime":113.78499850000014,"endTime":113.90499800000015,"body":"as"},{"speaker":"Treichel","startTime":113.90499900000015,"endTime":114.31499900000014,"body":"HMDA."},{"speaker":"Treichel","startTime":115.88499900000014,"endTime":116.17499900000014,"body":"And"},{"speaker":"Treichel","startTime":116.17499900000014,"endTime":116.54499900000015,"body":"so"},{"speaker":"Treichel","startTime":116.60499900000013,"endTime":116.72499900000014,"body":"to"},{"speaker":"Treichel","startTime":116.72499900000014,"endTime":116.96499900000013,"body":"start"},{"speaker":"Treichel","startTime":116.96499900000015,"endTime":117.10499900000013,"body":"us"},{"speaker":"Treichel","startTime":117.10499900000013,"endTime":117.29499900000015,"body":"off,"},{"speaker":"Treichel","startTime":117.30499900000014,"endTime":117.52499900000014,"body":"maybe"},{"speaker":"Treichel","startTime":117.52499900000014,"endTime":117.63499900000014,"body":"you"},{"speaker":"Treichel","startTime":117.63499900000014,"endTime":117.78499900000014,"body":"can"},{"speaker":"Treichel","startTime":117.78499900000014,"endTime":117.91499900000014,"body":"give"},{"speaker":"Treichel","startTime":117.91499900000014,"endTime":118.07499900000013,"body":"us"},{"speaker":"Treichel","startTime":118.07499900000013,"endTime":118.14499900000014,"body":"a"},{"speaker":"Treichel","startTime":118.14499900000014,"endTime":118.31499900000014,"body":"little"},{"speaker":"Treichel","startTime":118.31499900000014,"endTime":118.45499900000014,"body":"bit"},{"speaker":"Treichel","startTime":118.45499900000014,"endTime":118.56499900000014,"body":"of"},{"speaker":"Treichel","startTime":118.56499900000014,"endTime":118.63499900000014,"body":"a"},{"speaker":"Treichel","startTime":118.64499900000014,"endTime":119.03499900000014,"body":"basic"},{"speaker":"Treichel","startTime":119.04499900000013,"endTime":119.76499900000013,"body":"background"},{"speaker":"Treichel","startTime":119.81499900000014,"endTime":120.20499900000014,"body":"on"},{"speaker":"Treichel","startTime":120.28499900000014,"endTime":120.57499900000013,"body":"HMDA."},{"speaker":"Treichel","startTime":121.04999900000014,"endTime":121.34999900000014,"body":"Sure,"},{"speaker":"Treichel","startTime":121.35999900000014,"endTime":121.58999900000013,"body":"sure."},{"speaker":"Treichel","startTime":121.58999900000013,"endTime":121.83999900000013,"body":"That's"},{"speaker":"Treichel","startTime":121.85999900000014,"endTime":122.01999900000014,"body":"my"},{"speaker":"Treichel","startTime":122.01999900000014,"endTime":122.32999900000014,"body":"intent"},{"speaker":"Treichel","startTime":122.33999900000013,"endTime":122.45999900000014,"body":"is"},{"speaker":"Treichel","startTime":122.45999900000014,"endTime":122.58999900000013,"body":"to"},{"speaker":"Treichel","startTime":122.58999900000013,"endTime":122.88999900000013,"body":"really"},{"speaker":"Treichel","startTime":122.88999900000013,"endTime":123.15999900000014,"body":"cover"},{"speaker":"Treichel","startTime":123.15999900000014,"endTime":123.24999900000013,"body":"the"},{"speaker":"Treichel","startTime":123.24999900000014,"endTime":123.83999900000013,"body":"basics"},{"speaker":"Treichel","startTime":123.87999900000014,"endTime":124.10999900000014,"body":"and"},{"speaker":"Treichel","startTime":124.11999900000013,"endTime":124.52999900000013,"body":"provide"},{"speaker":"Treichel","startTime":124.52999900000013,"endTime":124.62999900000014,"body":"an"},{"speaker":"Treichel","startTime":124.62999900000014,"endTime":125.05999900000013,"body":"overview"},{"speaker":"Treichel","startTime":125.05999900000013,"endTime":125.16999900000013,"body":"of"},{"speaker":"Treichel","startTime":125.16999900000013,"endTime":125.23999900000014,"body":"the"},{"speaker":"Treichel","startTime":125.23999900000014,"endTime":125.72999900000013,"body":"law."},{"speaker":"Treichel","startTime":126.24999900000013,"endTime":126.64999900000014,"body":"Honda"},{"speaker":"Treichel","startTime":126.64999900000014,"endTime":126.81999900000014,"body":"is"},{"speaker":"Treichel","startTime":126.82999900000014,"endTime":126.89999900000014,"body":"a"},{"speaker":"Treichel","startTime":126.89999900000014,"endTime":127.48999900000014,"body":"very"},{"speaker":"Treichel","startTime":127.86999900000013,"endTime":128.44999900000013,"body":"highly"},{"speaker":"Treichel","startTime":128.45999900000015,"endTime":129.05999900000012,"body":"detailed"},{"speaker":"Treichel","startTime":129.06999900000014,"endTime":129.62999900000014,"body":"area,"},{"speaker":"Treichel","startTime":129.75999900000014,"endTime":129.91999900000013,"body":"so"},{"speaker":"Treichel","startTime":129.91999900000013,"endTime":130.03999850000014,"body":"I'm"},{"speaker":"Treichel","startTime":130.03999850000014,"endTime":130.12999800000014,"body":"going"},{"speaker":"Treichel","startTime":130.12999900000014,"endTime":130.28999900000014,"body":"to"},{"speaker":"Treichel","startTime":130.48999900000013,"endTime":130.78999900000014,"body":"talk"},{"speaker":"Treichel","startTime":130.79999900000013,"endTime":131.07999850000013,"body":"about"},{"speaker":"Treichel","startTime":131.07999850000013,"endTime":131.77999800000015,"body":"resources"},{"speaker":"Treichel","startTime":131.77999900000015,"endTime":131.80999900000012,"body":"that"},{"speaker":"Treichel","startTime":131.81999900000014,"endTime":132.04999900000013,"body":"you"},{"speaker":"Treichel","startTime":132.04999900000013,"endTime":132.21999900000014,"body":"can"},{"speaker":"Treichel","startTime":132.22999900000013,"endTime":132.62999900000014,"body":"use"},{"speaker":"Treichel","startTime":132.62999900000014,"endTime":132.78999850000014,"body":"to"},{"speaker":"Treichel","startTime":132.78999850000014,"endTime":133.08999800000015,"body":"jump"},{"speaker":"Treichel","startTime":133.08999900000015,"endTime":133.34999900000014,"body":"into"},{"speaker":"Treichel","startTime":133.34999900000014,"endTime":133.55999900000012,"body":"some"},{"speaker":"Treichel","startTime":133.55999900000012,"endTime":133.65999850000014,"body":"of"},{"speaker":"Treichel","startTime":133.65999850000014,"endTime":133.87999800000014,"body":"those"},{"speaker":"Treichel","startTime":133.89999900000015,"endTime":134.56999900000014,"body":"details."},{"speaker":"Treichel","startTime":135.05999900000012,"endTime":135.21999900000014,"body":"If"},{"speaker":"Treichel","startTime":135.21999900000014,"endTime":135.35999900000013,"body":"your"},{"speaker":"Treichel","startTime":135.35999900000013,"endTime":135.60999900000013,"body":"credit"},{"speaker":"Treichel","startTime":135.61999800000012,"endTime":135.8199980000001,"body":"union"},{"speaker":"Treichel","startTime":135.81999800000014,"endTime":135.93999800000012,"body":"is"},{"speaker":"Treichel","startTime":135.9399990000001,"endTime":136.35999900000013,"body":"required"},{"speaker":"Treichel","startTime":136.35999900000013,"endTime":136.42999900000012,"body":"to"},{"speaker":"Treichel","startTime":136.42999900000012,"endTime":136.79999900000013,"body":"comply"},{"speaker":"Treichel","startTime":136.79999900000013,"endTime":136.96999900000014,"body":"with"},{"speaker":"Treichel","startTime":136.96999900000014,"endTime":137.25999900000014,"body":"Honda."},{"speaker":"Treichel","startTime":137.72999900000013,"endTime":137.84999900000014,"body":"To"},{"speaker":"Treichel","startTime":137.84999900000014,"endTime":138.12999900000014,"body":"start"},{"speaker":"Treichel","startTime":138.13999900000013,"endTime":138.35999900000013,"body":"off,"},{"speaker":"Treichel","startTime":138.35999900000013,"endTime":138.54999900000013,"body":"if"},{"speaker":"Treichel","startTime":138.54999900000013,"endTime":138.62999900000014,"body":"I"},{"speaker":"Treichel","startTime":138.62999900000014,"endTime":138.81999900000014,"body":"would"},{"speaker":"Treichel","startTime":138.81999900000014,"endTime":139.13999900000013,"body":"ask"},{"speaker":"Treichel","startTime":139.23999900000013,"endTime":139.88999900000013,"body":"listeners,"},{"speaker":"Treichel","startTime":139.95999900000015,"endTime":140.36999900000012,"body":"what"},{"speaker":"Treichel","startTime":140.36999900000012,"endTime":140.53999900000014,"body":"is"},{"speaker":"Treichel","startTime":140.56999900000014,"endTime":141.07999900000016,"body":"HMDA?"},{"speaker":"Treichel","startTime":141.36999900000012,"endTime":141.57999900000016,"body":"I'm"},{"speaker":"Treichel","startTime":141.57999900000016,"endTime":141.89999900000015,"body":"guessing"},{"speaker":"Treichel","startTime":141.89999900000015,"endTime":141.9399990000001,"body":"a"},{"speaker":"Treichel","startTime":141.9399990000001,"endTime":142.1899990000001,"body":"lot"},{"speaker":"Treichel","startTime":142.1899990000001,"endTime":142.26999900000015,"body":"of"},{"speaker":"Treichel","startTime":142.26999900000015,"endTime":142.38999900000013,"body":"them"},{"speaker":"Treichel","startTime":142.38999900000013,"endTime":142.55999900000012,"body":"would"},{"speaker":"Treichel","startTime":142.58999900000015,"endTime":142.95999900000015,"body":"say,"},{"speaker":"Treichel","startTime":142.99999900000012,"endTime":143.23999900000013,"body":"HMDA"},{"speaker":"Treichel","startTime":143.23999900000013,"endTime":143.37999900000014,"body":"is"},{"speaker":"Treichel","startTime":143.37999900000014,"endTime":143.48999900000013,"body":"a"},{"speaker":"Treichel","startTime":143.51999900000015,"endTime":143.75999900000014,"body":"pain"},{"speaker":"Treichel","startTime":143.75999900000014,"endTime":143.84999900000014,"body":"in"},{"speaker":"Treichel","startTime":143.84999900000014,"endTime":143.9399990000001,"body":"the"},{"speaker":"Treichel","startTime":143.9399990000001,"endTime":144.19999900000013,"body":"rear"},{"speaker":"Treichel","startTime":144.19999900000013,"endTime":144.64999900000015,"body":"end"},{"speaker":"Treichel","startTime":144.73999900000013,"endTime":145.19999900000013,"body":"or"},{"speaker":"Treichel","startTime":145.4399990000001,"endTime":145.61999900000012,"body":"it's"},{"speaker":"Treichel","startTime":145.61999900000012,"endTime":145.91999900000013,"body":"something"},{"speaker":"Treichel","startTime":145.91999900000013,"endTime":146.01999900000015,"body":"the"},{"speaker":"Treichel","startTime":146.01999900000015,"endTime":146.51999900000015,"body":"government"},{"speaker":"Treichel","startTime":146.52999900000015,"endTime":146.95999900000015,"body":"created"},{"speaker":"Treichel","startTime":146.95999900000015,"endTime":147.24999900000012,"body":"because"},{"speaker":"Treichel","startTime":147.24999900000012,"endTime":147.36999900000012,"body":"they"},{"speaker":"Treichel","startTime":147.36999900000012,"endTime":147.58999900000015,"body":"think"},{"speaker":"Treichel","startTime":147.58999900000015,"endTime":147.85999900000013,"body":"credit"},{"speaker":"Treichel","startTime":147.86999900000012,"endTime":148.16999900000013,"body":"unions"},{"speaker":"Treichel","startTime":148.16999900000013,"endTime":148.29999900000013,"body":"have"},{"speaker":"Treichel","startTime":148.29999900000013,"endTime":148.55999900000012,"body":"nothing"},{"speaker":"Treichel","startTime":148.77999900000015,"endTime":149.03999900000014,"body":"better"},{"speaker":"Treichel","startTime":149.03999900000014,"endTime":149.12999900000014,"body":"to"},{"speaker":"Treichel","startTime":149.12999900000014,"endTime":149.26999850000016,"body":"do"},{"speaker":"Treichel","startTime":149.26999850000016,"endTime":149.38999800000013,"body":"with"},{"speaker":"Treichel","startTime":149.38999900000013,"endTime":149.49999900000012,"body":"their"},{"speaker":"Treichel","startTime":149.49999900000012,"endTime":149.98999900000013,"body":"time."},{"speaker":"Treichel","startTime":150.20999900000015,"endTime":150.48999900000013,"body":"But"},{"speaker":"Treichel","startTime":150.55999800000012,"endTime":151.23999800000013,"body":"after"},{"speaker":"Treichel","startTime":151.29999900000013,"endTime":151.91999900000013,"body":"overseeing"},{"speaker":"Treichel","startTime":151.91999900000013,"endTime":152.08999900000015,"body":"the"},{"speaker":"Treichel","startTime":152.08999900000015,"endTime":152.61999900000012,"body":"NCUA's"},{"speaker":"Treichel","startTime":152.75999900000014,"endTime":153.02999900000015,"body":"HMDA"},{"speaker":"Treichel","startTime":153.03999900000014,"endTime":153.6299985000001,"body":"program,"},{"speaker":"Treichel","startTime":153.6299985000001,"endTime":153.69999800000014,"body":"I,"},{"speaker":"Treichel","startTime":153.70999800000016,"endTime":153.78999800000014,"body":"you"},{"speaker":"Treichel","startTime":153.78999800000014,"endTime":153.95999800000016,"body":"know,"},{"speaker":"Treichel","startTime":153.98999900000013,"endTime":154.16999900000013,"body":"I"},{"speaker":"Treichel","startTime":154.17999900000012,"endTime":154.44999900000013,"body":"get"},{"speaker":"Treichel","startTime":154.45000000000013,"endTime":154.74000000000012,"body":"that."},{"speaker":"Treichel","startTime":154.97999900000013,"endTime":155.37999900000014,"body":"But,"},{"speaker":"Treichel","startTime":155.45999900000012,"endTime":155.58999900000015,"body":"you"},{"speaker":"Treichel","startTime":155.58999900000015,"endTime":155.73999900000013,"body":"know,"},{"speaker":"Treichel","startTime":155.73999900000013,"endTime":155.97999900000013,"body":"even"},{"speaker":"Treichel","startTime":155.97999900000013,"endTime":156.63999900000013,"body":"criteria"},{"speaker":"Treichel","startTime":156.63999900000013,"endTime":156.88999900000013,"body":"for"},{"speaker":"Treichel","startTime":156.88999900000013,"endTime":156.97999900000013,"body":"if"},{"speaker":"Treichel","startTime":156.97999900000013,"endTime":157.14999900000012,"body":"you're"},{"speaker":"Treichel","startTime":157.17999900000012,"endTime":157.53999900000014,"body":"covered"},{"speaker":"Treichel","startTime":157.53999900000014,"endTime":157.70999900000012,"body":"by"},{"speaker":"Treichel","startTime":157.97999900000013,"endTime":158.35999900000013,"body":"changes"},{"speaker":"Treichel","startTime":158.35999900000013,"endTime":158.49999900000014,"body":"year"},{"speaker":"Treichel","startTime":158.49999900000014,"endTime":158.59999900000014,"body":"to"},{"speaker":"Treichel","startTime":158.59999900000014,"endTime":158.83999900000015,"body":"year."},{"speaker":"Treichel","startTime":158.83999900000015,"endTime":159.19999900000013,"body":"So"},{"speaker":"Treichel","startTime":159.87999900000014,"endTime":160.20999900000015,"body":"it's"},{"speaker":"Treichel","startTime":160.30999900000015,"endTime":160.94999900000013,"body":"difficult"},{"speaker":"Treichel","startTime":160.94999900000013,"endTime":161.03999900000014,"body":"in"},{"speaker":"Treichel","startTime":161.03999900000014,"endTime":161.28999900000014,"body":"that"},{"speaker":"Treichel","startTime":161.28999900000014,"endTime":161.80999900000015,"body":"respect,"},{"speaker":"Treichel","startTime":161.91999900000013,"endTime":162.10999900000013,"body":"but"},{"speaker":"Treichel","startTime":162.10999900000013,"endTime":162.19999900000013,"body":"it"},{"speaker":"Treichel","startTime":162.19999900000013,"endTime":162.45999900000015,"body":"does"},{"speaker":"Treichel","startTime":162.45999900000015,"endTime":162.64999900000015,"body":"have"},{"speaker":"Treichel","startTime":162.64999900000015,"endTime":162.68999900000014,"body":"a"},{"speaker":"Treichel","startTime":162.68999900000014,"endTime":163.11999850000015,"body":"noble"},{"speaker":"Treichel","startTime":163.11999850000015,"endTime":163.57999800000013,"body":"purpose."},{"speaker":"Treichel","startTime":164.32999900000013,"endTime":164.48999900000013,"body":"When"},{"speaker":"Treichel","startTime":164.48999900000013,"endTime":164.52999900000015,"body":"I"},{"speaker":"Treichel","startTime":164.52999900000015,"endTime":164.75999900000014,"body":"talk"},{"speaker":"Treichel","startTime":164.76999900000013,"endTime":164.99999900000014,"body":"about"},{"speaker":"Treichel","startTime":164.99999900000014,"endTime":165.50999900000014,"body":"consumer"},{"speaker":"Treichel","startTime":165.50999900000014,"endTime":165.85999900000013,"body":"laws,"},{"speaker":"Treichel","startTime":165.89999800000012,"endTime":166.05999800000015,"body":"I"},{"speaker":"Treichel","startTime":166.05999900000015,"endTime":166.25999900000014,"body":"like"},{"speaker":"Treichel","startTime":166.25999900000014,"endTime":166.41999900000013,"body":"to"},{"speaker":"Treichel","startTime":166.45999900000012,"endTime":166.86999900000015,"body":"start"},{"speaker":"Treichel","startTime":166.89999800000012,"endTime":167.21999800000015,"body":"with"},{"speaker":"Treichel","startTime":167.22999800000014,"endTime":167.65999800000014,"body":"why"},{"speaker":"Treichel","startTime":167.67999900000012,"endTime":167.83999900000015,"body":"they"},{"speaker":"Treichel","startTime":167.83999900000015,"endTime":168.01999850000013,"body":"were"},{"speaker":"Treichel","startTime":168.01999850000013,"endTime":168.80999800000015,"body":"created"},{"speaker":"Treichel","startTime":169.27999900000015,"endTime":169.50999900000014,"body":"for"},{"speaker":"Treichel","startTime":169.99999900000014,"endTime":170.47999850000014,"body":"Congress"},{"speaker":"Treichel","startTime":170.47999850000014,"endTime":170.72999800000014,"body":"made"},{"speaker":"Treichel","startTime":170.72999800000014,"endTime":170.89999800000012,"body":"that"},{"speaker":"Treichel","startTime":170.89999800000012,"endTime":171.22999800000014,"body":"very"},{"speaker":"Treichel","startTime":171.22999800000014,"endTime":171.64999800000012,"body":"easy"},{"speaker":"Treichel","startTime":171.64999800000012,"endTime":172.11999800000012,"body":"because"},{"speaker":"Treichel","startTime":172.11999800000012,"endTime":172.26999800000013,"body":"it"},{"speaker":"Treichel","startTime":172.26999900000013,"endTime":172.52999900000015,"body":"put"},{"speaker":"Treichel","startTime":172.56999800000014,"endTime":172.86999800000015,"body":"that"},{"speaker":"Treichel","startTime":172.86999800000015,"endTime":173.36999800000012,"body":"right"},{"speaker":"Treichel","startTime":173.47999800000014,"endTime":173.73999800000013,"body":"in"},{"speaker":"Treichel","startTime":173.73999900000013,"endTime":173.86999850000015,"body":"the"},{"speaker":"Treichel","startTime":173.86999850000015,"endTime":174.19999800000014,"body":"law"},{"speaker":"Treichel","startTime":174.20999800000013,"endTime":174.78999800000014,"body":"itself."},{"speaker":"Treichel","startTime":175.34499900000014,"endTime":175.48499900000013,"body":"So"},{"speaker":"Treichel","startTime":175.48499900000013,"endTime":175.75499900000014,"body":"here's"},{"speaker":"Treichel","startTime":175.75499900000014,"endTime":175.94499900000014,"body":"what"},{"speaker":"Treichel","startTime":175.94509900000014,"endTime":176.81489900000014,"body":"HMDA"},{"speaker":"Treichel","startTime":176.81499900000014,"endTime":177.11499900000013,"body":"says"},{"speaker":"Treichel","startTime":177.11499900000013,"endTime":177.42499900000013,"body":"about"},{"speaker":"Treichel","startTime":177.42499900000013,"endTime":178.12499900000014,"body":"itself."},{"speaker":"Treichel","startTime":178.33499900000012,"endTime":178.63499900000014,"body":"First"},{"speaker":"Treichel","startTime":178.70499900000013,"endTime":178.92499900000013,"body":"is"},{"speaker":"Treichel","startTime":178.95499900000013,"endTime":179.06499900000014,"body":"the"},{"speaker":"Treichel","startTime":179.06499900000014,"endTime":179.66499900000014,"body":"findings"},{"speaker":"Treichel","startTime":179.67499900000013,"endTime":179.81499900000014,"body":"of"},{"speaker":"Treichel","startTime":179.81499900000014,"endTime":180.41499900000014,"body":"Congress."},{"speaker":"Treichel","startTime":180.70499900000013,"endTime":180.89499900000013,"body":"This"},{"speaker":"Treichel","startTime":180.89499900000013,"endTime":180.96499900000015,"body":"is"},{"speaker":"Treichel","startTime":180.96499900000015,"endTime":181.03499900000014,"body":"a"},{"speaker":"Treichel","startTime":181.03499900000014,"endTime":181.34499900000014,"body":"quote"},{"speaker":"Treichel","startTime":181.34499900000014,"endTime":181.69499900000014,"body":"from"},{"speaker":"Treichel","startTime":181.71499900000015,"endTime":181.93499900000015,"body":"the"},{"speaker":"Treichel","startTime":181.93499900000015,"endTime":182.18499900000015,"body":"law"},{"speaker":"Treichel","startTime":182.18499900000015,"endTime":182.76499900000013,"body":"itself"},{"speaker":"Treichel","startTime":183.21499900000015,"endTime":183.36499900000015,"body":"that"},{"speaker":"Treichel","startTime":183.36499900000015,"endTime":183.86499900000015,"body":"Congress"},{"speaker":"Treichel","startTime":183.86499900000015,"endTime":184.28499900000014,"body":"finds"},{"speaker":"Treichel","startTime":184.28499900000014,"endTime":184.43499900000015,"body":"that"},{"speaker":"Treichel","startTime":184.52499900000015,"endTime":184.82499900000013,"body":"some"},{"speaker":"Treichel","startTime":184.85499900000013,"endTime":185.79499900000013,"body":"depository"},{"speaker":"Treichel","startTime":185.80499900000015,"endTime":186.62499850000015,"body":"institutions"},{"speaker":"Treichel","startTime":186.62499850000015,"endTime":186.86499800000013,"body":"have"},{"speaker":"Treichel","startTime":186.88499900000014,"endTime":187.54499900000013,"body":"sometimes"},{"speaker":"Treichel","startTime":187.54499900000013,"endTime":188.41499900000014,"body":"contributed"},{"speaker":"Treichel","startTime":188.43499900000015,"endTime":188.57499850000013,"body":"to"},{"speaker":"Treichel","startTime":188.57499850000013,"endTime":188.70499800000013,"body":"the"},{"speaker":"Treichel","startTime":188.70499800000013,"endTime":189.53499800000014,"body":"decline"},{"speaker":"Treichel","startTime":189.55499900000015,"endTime":189.69499900000014,"body":"of"},{"speaker":"Treichel","startTime":189.69499900000014,"endTime":189.98499900000013,"body":"certain"},{"speaker":"Treichel","startTime":189.99499800000015,"endTime":190.73499800000013,"body":"geographic"},{"speaker":"Treichel","startTime":190.73499900000013,"endTime":191.26499900000013,"body":"areas"},{"speaker":"Treichel","startTime":191.42499800000013,"endTime":191.59499800000015,"body":"by"},{"speaker":"Treichel","startTime":191.59499800000015,"endTime":191.77499800000015,"body":"their"},{"speaker":"Treichel","startTime":191.77499800000015,"endTime":192.51499800000013,"body":"failure"},{"speaker":"Treichel","startTime":192.65499900000015,"endTime":193.10499900000013,"body":"pursuant"},{"speaker":"Treichel","startTime":193.11499800000013,"endTime":193.25499800000014,"body":"to"},{"speaker":"Treichel","startTime":193.25500000000014,"endTime":193.44500000000014,"body":"their"},{"speaker":"Treichel","startTime":193.46499900000015,"endTime":193.99499900000015,"body":"chartering"},{"speaker":"Treichel","startTime":193.99499900000015,"endTime":195.03499900000014,"body":"responsibilities"},{"speaker":"Treichel","startTime":195.73499900000016,"endTime":195.89499900000015,"body":"to"},{"speaker":"Treichel","startTime":195.89499900000015,"endTime":196.30499900000015,"body":"provide"},{"speaker":"Treichel","startTime":196.31499900000014,"endTime":196.84499900000014,"body":"adequate"},{"speaker":"Treichel","startTime":196.88499900000014,"endTime":197.25499900000014,"body":"home"},{"speaker":"Treichel","startTime":197.25499900000014,"endTime":198.00499900000014,"body":"financing"},{"speaker":"Treichel","startTime":198.03499900000014,"endTime":198.15499900000015,"body":"to"},{"speaker":"Treichel","startTime":198.15499900000015,"endTime":198.91499900000014,"body":"qualified"},{"speaker":"Treichel","startTime":198.92499900000016,"endTime":199.60499900000013,"body":"applicants"},{"speaker":"Treichel","startTime":199.74499900000015,"endTime":199.98499900000013,"body":"on"},{"speaker":"Treichel","startTime":199.99499900000015,"endTime":200.53499900000014,"body":"reasonable"},{"speaker":"Treichel","startTime":200.55499900000015,"endTime":201.00499900000014,"body":"terms"},{"speaker":"Treichel","startTime":201.00499900000014,"endTime":201.23499900000016,"body":"and"},{"speaker":"Treichel","startTime":201.23499900000016,"endTime":201.80499900000015,"body":"conditions."},{"speaker":"Treichel","startTime":202.34999900000014,"endTime":202.45999900000012,"body":"Uh,"},{"speaker":"Treichel","startTime":202.45999900000012,"endTime":202.63999900000013,"body":"that"},{"speaker":"Treichel","startTime":202.63999900000013,"endTime":202.76999900000013,"body":"was"},{"speaker":"Treichel","startTime":202.83999900000012,"endTime":203.11999900000012,"body":"the"},{"speaker":"Treichel","startTime":203.22999900000013,"endTime":203.75999900000014,"body":"findings"},{"speaker":"Treichel","startTime":203.75999900000014,"endTime":203.86999900000012,"body":"of"},{"speaker":"Treichel","startTime":203.86999900000012,"endTime":204.34999900000014,"body":"Congress"},{"speaker":"Treichel","startTime":204.34999900000014,"endTime":204.47999900000013,"body":"and"},{"speaker":"Treichel","startTime":204.47999900000013,"endTime":204.61999900000012,"body":"it"},{"speaker":"Treichel","startTime":204.61999900000012,"endTime":204.86999900000012,"body":"goes"},{"speaker":"Treichel","startTime":204.86999900000012,"endTime":205.02999900000015,"body":"on"},{"speaker":"Treichel","startTime":205.02999900000015,"endTime":205.12999900000014,"body":"to"},{"speaker":"Treichel","startTime":205.12999900000014,"endTime":205.23999900000013,"body":"the"},{"speaker":"Treichel","startTime":205.32999900000013,"endTime":205.68999900000014,"body":"actual"},{"speaker":"Treichel","startTime":205.71999900000014,"endTime":206.10999900000013,"body":"purpose"},{"speaker":"Treichel","startTime":206.10999900000013,"endTime":206.25999900000014,"body":"of"},{"speaker":"Treichel","startTime":206.25999900000014,"endTime":206.60999900000013,"body":"HMDA"},{"speaker":"Treichel","startTime":206.61009900000013,"endTime":206.61989900000015,"body":"and"},{"speaker":"Treichel","startTime":206.61999900000012,"endTime":206.87999900000014,"body":"that"},{"speaker":"Treichel","startTime":206.87999900000014,"endTime":207.04999900000013,"body":"is"},{"speaker":"Treichel","startTime":207.10999900000013,"endTime":207.31999900000014,"body":"this."},{"speaker":"Treichel","startTime":207.73999900000013,"endTime":207.83999900000012,"body":"The"},{"speaker":"Treichel","startTime":207.83999900000012,"endTime":208.29999900000013,"body":"purpose"},{"speaker":"Treichel","startTime":208.29999900000013,"endTime":208.53999900000014,"body":"of"},{"speaker":"Treichel","startTime":208.53999900000014,"endTime":208.75999900000014,"body":"this"},{"speaker":"Treichel","startTime":208.75999900000014,"endTime":209.08999900000012,"body":"law"},{"speaker":"Treichel","startTime":209.08999900000012,"endTime":209.21999900000014,"body":"is"},{"speaker":"Treichel","startTime":209.21999900000014,"endTime":209.33999900000012,"body":"to"},{"speaker":"Treichel","startTime":209.33999900000012,"endTime":209.98999900000013,"body":"provide"},{"speaker":"Treichel","startTime":209.98999900000013,"endTime":210.10999900000013,"body":"the"},{"speaker":"Treichel","startTime":210.22999800000014,"endTime":210.84999800000014,"body":"citizens"},{"speaker":"Treichel","startTime":210.89999900000012,"endTime":211.19999900000013,"body":"and"},{"speaker":"Treichel","startTime":211.19999900000013,"endTime":211.52999900000012,"body":"public"},{"speaker":"Treichel","startTime":211.52999900000012,"endTime":212.06999900000014,"body":"officials"},{"speaker":"Treichel","startTime":212.07999900000013,"endTime":212.19999900000013,"body":"of"},{"speaker":"Treichel","startTime":212.19999900000013,"endTime":212.28999900000014,"body":"the"},{"speaker":"Treichel","startTime":212.28999900000014,"endTime":212.73999900000013,"body":"United"},{"speaker":"Treichel","startTime":212.73999900000013,"endTime":213.12999900000014,"body":"States"},{"speaker":"Treichel","startTime":213.77499900000015,"endTime":214.06499900000017,"body":"With"},{"speaker":"Treichel","startTime":214.07499900000016,"endTime":214.90499900000015,"body":"sufficient"},{"speaker":"Treichel","startTime":214.95499900000016,"endTime":215.91499900000014,"body":"information"},{"speaker":"Treichel","startTime":216.06499900000017,"endTime":216.21499900000015,"body":"to"},{"speaker":"Treichel","startTime":216.21499900000015,"endTime":216.58499900000015,"body":"enable"},{"speaker":"Treichel","startTime":216.58499900000015,"endTime":216.81499900000017,"body":"them"},{"speaker":"Treichel","startTime":216.81499900000017,"endTime":216.95499900000016,"body":"to"},{"speaker":"Treichel","startTime":216.95499900000016,"endTime":217.71499900000015,"body":"determine"},{"speaker":"Treichel","startTime":217.72499900000014,"endTime":218.12499900000012,"body":"whether"},{"speaker":"Treichel","startTime":218.14499900000015,"endTime":219.05499900000012,"body":"depository"},{"speaker":"Treichel","startTime":219.05499900000012,"endTime":219.88499900000016,"body":"institutions"},{"speaker":"Treichel","startTime":220.12499900000012,"endTime":220.32499900000016,"body":"are"},{"speaker":"Treichel","startTime":220.32499900000016,"endTime":220.74499900000012,"body":"filling"},{"speaker":"Treichel","startTime":220.74499900000012,"endTime":220.91499900000014,"body":"their"},{"speaker":"Treichel","startTime":220.91499900000014,"endTime":221.87499900000012,"body":"obligations"},{"speaker":"Treichel","startTime":221.92499900000013,"endTime":222.10499900000013,"body":"to"},{"speaker":"Treichel","startTime":222.11499900000013,"endTime":222.48499900000013,"body":"serve"},{"speaker":"Treichel","startTime":222.50499900000017,"endTime":222.62499850000012,"body":"the"},{"speaker":"Treichel","startTime":222.62499850000012,"endTime":223.33499800000016,"body":"housing"},{"speaker":"Treichel","startTime":223.34499900000014,"endTime":223.71499900000015,"body":"needs"},{"speaker":"Treichel","startTime":223.71499900000015,"endTime":223.86499900000013,"body":"of"},{"speaker":"Treichel","startTime":223.86499900000013,"endTime":223.96499900000015,"body":"the"},{"speaker":"Treichel","startTime":223.96499900000015,"endTime":224.92499900000013,"body":"communities"},{"speaker":"Treichel","startTime":224.92499900000013,"endTime":225.14499900000015,"body":"and"},{"speaker":"Treichel","startTime":225.14499900000015,"endTime":225.77499900000015,"body":"neighborhoods"},{"speaker":"Treichel","startTime":225.77499900000015,"endTime":225.88499900000016,"body":"in"},{"speaker":"Treichel","startTime":225.89499900000015,"endTime":226.10499900000013,"body":"which"},{"speaker":"Treichel","startTime":226.14499900000015,"endTime":226.31499900000017,"body":"they"},{"speaker":"Treichel","startTime":226.31499900000017,"endTime":226.45499850000016,"body":"are"},{"speaker":"Treichel","startTime":226.45499850000016,"endTime":227.15499800000015,"body":"located"},{"speaker":"Treichel","startTime":227.27499900000015,"endTime":227.61499900000013,"body":"and"},{"speaker":"Treichel","startTime":227.61499900000013,"endTime":227.72499900000014,"body":"to"},{"speaker":"Treichel","startTime":227.72499900000014,"endTime":228.16499900000014,"body":"assist"},{"speaker":"Treichel","startTime":228.20499800000016,"endTime":228.63499800000017,"body":"public"},{"speaker":"Treichel","startTime":228.63499900000016,"endTime":229.44499900000017,"body":"officials"},{"speaker":"Treichel","startTime":230.02499900000012,"endTime":230.24499900000012,"body":"in"},{"speaker":"Treichel","startTime":230.24499900000012,"endTime":230.39499850000013,"body":"their"},{"speaker":"Treichel","startTime":230.39499850000013,"endTime":231.33499800000013,"body":"determination"},{"speaker":"Treichel","startTime":231.36499900000013,"endTime":231.50499900000014,"body":"of"},{"speaker":"Treichel","startTime":231.50499900000014,"endTime":231.55499850000012,"body":"the"},{"speaker":"Treichel","startTime":231.55499850000012,"endTime":232.31499800000014,"body":"distribution"},{"speaker":"Treichel","startTime":232.31499800000014,"endTime":232.48499800000013,"body":"of"},{"speaker":"Treichel","startTime":232.51499900000013,"endTime":232.95499850000013,"body":"public"},{"speaker":"Treichel","startTime":232.95499850000013,"endTime":233.35499800000014,"body":"sector"},{"speaker":"Treichel","startTime":233.43499800000012,"endTime":233.96499800000012,"body":"investments"},{"speaker":"Treichel","startTime":234.26499800000013,"endTime":234.49499800000012,"body":"in"},{"speaker":"Treichel","startTime":234.49499800000012,"endTime":234.57499800000014,"body":"a"},{"speaker":"Treichel","startTime":234.57499800000014,"endTime":235.00499800000014,"body":"manner"},{"speaker":"Treichel","startTime":235.00499800000014,"endTime":235.53499800000012,"body":"designed"},{"speaker":"Treichel","startTime":235.54499800000013,"endTime":235.70499800000013,"body":"to"},{"speaker":"Treichel","startTime":235.70499800000013,"endTime":236.52499800000012,"body":"improve"},{"speaker":"Treichel","startTime":236.61499800000013,"endTime":236.75499800000014,"body":"the"},{"speaker":"Treichel","startTime":236.75499800000014,"endTime":237.43499800000012,"body":"private"},{"speaker":"Treichel","startTime":237.44499800000014,"endTime":238.14499800000013,"body":"investment"},{"speaker":"Treichel","startTime":238.17499800000013,"endTime":238.92499800000013,"body":"environment."},{"speaker":"Treichel","startTime":239.1299990000001,"endTime":239.2899990000001,"body":"So,"},{"speaker":"Treichel","startTime":239.4799990000001,"endTime":239.70999900000012,"body":"that"},{"speaker":"Treichel","startTime":239.70999900000012,"endTime":240.08999900000012,"body":"tells"},{"speaker":"Treichel","startTime":240.08999900000012,"endTime":240.57999900000013,"body":"you"},{"speaker":"Treichel","startTime":240.77999900000012,"endTime":241.4399990000001,"body":"why"},{"speaker":"Treichel","startTime":241.7899990000001,"endTime":242.17999900000012,"body":"HMDA"},{"speaker":"Treichel","startTime":242.1899990000001,"endTime":242.52999900000012,"body":"was"},{"speaker":"Treichel","startTime":242.52999900000012,"endTime":243.2299990000001,"body":"created."},{"speaker":"Treichel","startTime":243.76999900000013,"endTime":243.91999900000013,"body":"It"},{"speaker":"Treichel","startTime":243.91999900000013,"endTime":244.14999900000012,"body":"has"},{"speaker":"Treichel","startTime":244.14999900000012,"endTime":244.27999900000012,"body":"to"},{"speaker":"Treichel","startTime":244.2899990000001,"endTime":244.5999990000001,"body":"do"},{"speaker":"Treichel","startTime":244.5999990000001,"endTime":244.91999900000013,"body":"with"},{"speaker":"Treichel","startTime":244.94999900000013,"endTime":245.08999900000012,"body":"the"},{"speaker":"Treichel","startTime":245.08999900000012,"endTime":245.67999900000012,"body":"housing"},{"speaker":"Treichel","startTime":245.67999900000012,"endTime":246.30999900000012,"body":"issues"},{"speaker":"Treichel","startTime":246.3199990000001,"endTime":246.72999900000013,"body":"that"},{"speaker":"Treichel","startTime":247.07999900000013,"endTime":247.61999900000012,"body":"actually"},{"speaker":"Treichel","startTime":247.64999900000012,"endTime":247.97999900000013,"body":"still"},{"speaker":"Treichel","startTime":247.97999900000013,"endTime":248.49999900000012,"body":"are"},{"speaker":"Treichel","startTime":248.50999900000014,"endTime":248.9099990000001,"body":"prevalent"},{"speaker":"Treichel","startTime":248.95999800000013,"endTime":248.98999800000013,"body":"in"},{"speaker":"Treichel","startTime":248.98999900000013,"endTime":249.11999850000012,"body":"our"},{"speaker":"Treichel","startTime":249.11999850000012,"endTime":249.4799980000001,"body":"country"},{"speaker":"Treichel","startTime":249.47999900000013,"endTime":249.69999900000013,"body":"now,"},{"speaker":"Treichel","startTime":249.69999900000013,"endTime":249.8799990000001,"body":"but"},{"speaker":"Treichel","startTime":249.8799990000001,"endTime":249.95999900000012,"body":"it's"},{"speaker":"Treichel","startTime":250.00999900000014,"endTime":250.13999900000013,"body":"to"},{"speaker":"Treichel","startTime":250.13999900000013,"endTime":250.4099985000001,"body":"help"},{"speaker":"Treichel","startTime":250.4099985000001,"endTime":250.90999800000012,"body":"offset"},{"speaker":"Treichel","startTime":250.90999800000012,"endTime":251.11999800000012,"body":"some"},{"speaker":"Treichel","startTime":251.11999800000012,"endTime":251.21999800000012,"body":"of"},{"speaker":"Treichel","startTime":251.21999900000012,"endTime":251.4399990000001,"body":"those"},{"speaker":"Treichel","startTime":251.46999900000012,"endTime":252.0999990000001,"body":"problems."},{"speaker":"Treichel","startTime":252.20999800000013,"endTime":252.66999800000013,"body":"HMDA"},{"speaker":"Treichel","startTime":252.67999900000012,"endTime":252.92999900000012,"body":"goes"},{"speaker":"Treichel","startTime":252.92999900000012,"endTime":253.1599990000001,"body":"back"},{"speaker":"Treichel","startTime":253.16999900000013,"endTime":253.1899990000001,"body":"to"},{"speaker":"Treichel","startTime":253.1899990000001,"endTime":253.63999900000013,"body":"1975,"},{"speaker":"Treichel","startTime":254.47999900000013,"endTime":254.6599985000001,"body":"which"},{"speaker":"Treichel","startTime":254.6599985000001,"endTime":254.77999800000012,"body":"is"},{"speaker":"Treichel","startTime":254.77999900000012,"endTime":254.91999900000013,"body":"when"},{"speaker":"Treichel","startTime":254.91999900000013,"endTime":255.02999900000012,"body":"it"},{"speaker":"Treichel","startTime":255.02999900000012,"endTime":255.19999900000013,"body":"was"},{"speaker":"Treichel","startTime":255.20999800000013,"endTime":255.8499980000001,"body":"enacted."},{"speaker":"Treichel","startTime":256.2499990000001,"endTime":256.52999850000015,"body":"And"},{"speaker":"Treichel","startTime":256.52999850000015,"endTime":256.85999800000013,"body":"so,"},{"speaker":"Treichel","startTime":257.1299990000001,"endTime":257.28999850000014,"body":"as"},{"speaker":"Treichel","startTime":257.28999850000014,"endTime":257.3699980000001,"body":"a"},{"speaker":"Treichel","startTime":257.3699990000001,"endTime":257.72999900000013,"body":"result"},{"speaker":"Treichel","startTime":257.72999900000013,"endTime":257.82999900000016,"body":"of"},{"speaker":"Treichel","startTime":257.82999900000016,"endTime":258.0699990000001,"body":"that,"},{"speaker":"Treichel","startTime":258.06999900000017,"endTime":258.2399990000001,"body":"we"},{"speaker":"Treichel","startTime":258.2399990000001,"endTime":258.59999900000014,"body":"actually"},{"speaker":"Treichel","startTime":258.59999900000014,"endTime":258.9099990000001,"body":"have"},{"speaker":"Treichel","startTime":258.91999900000013,"endTime":259.47999900000013,"body":"mortgage"},{"speaker":"Treichel","startTime":259.47999900000013,"endTime":259.7799990000001,"body":"data,"},{"speaker":"Treichel","startTime":259.7799990000001,"endTime":260.0199990000001,"body":"good"},{"speaker":"Treichel","startTime":260.0199990000001,"endTime":260.3999990000001,"body":"mortgage"},{"speaker":"Treichel","startTime":260.3999990000001,"endTime":260.6799990000001,"body":"data,"},{"speaker":"Treichel","startTime":260.6799990000001,"endTime":261.0199990000001,"body":"going"},{"speaker":"Treichel","startTime":261.0199990000001,"endTime":261.32999900000016,"body":"back"},{"speaker":"Treichel","startTime":261.32999900000016,"endTime":261.4999990000001,"body":"for"},{"speaker":"Treichel","startTime":261.4999990000001,"endTime":261.72999900000013,"body":"over"},{"speaker":"Treichel","startTime":261.72999900000013,"endTime":262.3699990000001,"body":"45"},{"speaker":"Treichel","startTime":262.3799990000001,"endTime":262.6899990000001,"body":"years."},{"speaker":"Treichel","startTime":263.2999990000001,"endTime":263.72999900000013,"body":"So,"},{"speaker":"Treichel","startTime":263.7999990000001,"endTime":264.0599990000002,"body":"how"},{"speaker":"Treichel","startTime":264.0599990000002,"endTime":264.18999900000017,"body":"does"},{"speaker":"Treichel","startTime":264.18999900000017,"endTime":264.35999900000013,"body":"this"},{"speaker":"Treichel","startTime":264.35999900000013,"endTime":264.5099990000001,"body":"kind"},{"speaker":"Treichel","startTime":264.5099990000001,"endTime":264.60999900000013,"body":"of"},{"speaker":"Treichel","startTime":264.60999900000013,"endTime":264.83999900000015,"body":"work?"},{"speaker":"Treichel","startTime":264.85999900000013,"endTime":265.0599990000002,"body":"What's"},{"speaker":"Treichel","startTime":265.0599990000002,"endTime":265.16999900000013,"body":"it"},{"speaker":"Treichel","startTime":265.3699990000001,"endTime":265.96999900000014,"body":"intended"},{"speaker":"Treichel","startTime":265.96999900000014,"endTime":266.07999900000016,"body":"to"},{"speaker":"Treichel","startTime":266.07999900000016,"endTime":266.5599990000002,"body":"do?"},{"speaker":"Treichel","startTime":266.6399990000001,"endTime":266.82999900000016,"body":"If"},{"speaker":"Treichel","startTime":267.19999900000016,"endTime":267.4299990000002,"body":"the"},{"speaker":"Treichel","startTime":267.4299990000002,"endTime":268.0499990000001,"body":"NCUA"},{"speaker":"Treichel","startTime":268.0599990000002,"endTime":268.2499990000001,"body":"has"},{"speaker":"Treichel","startTime":268.2499990000001,"endTime":268.32999900000016,"body":"a"},{"speaker":"Treichel","startTime":268.32999900000016,"endTime":268.6399990000001,"body":"fair"},{"speaker":"Treichel","startTime":268.6399990000001,"endTime":269.07999900000016,"body":"lending"},{"speaker":"Treichel","startTime":269.07999900000016,"endTime":269.46999900000014,"body":"guide"},{"speaker":"Treichel","startTime":269.46999900000014,"endTime":269.60999900000013,"body":"on"},{"speaker":"Treichel","startTime":269.60999900000013,"endTime":269.81999900000017,"body":"its"},{"speaker":"Treichel","startTime":269.82999900000016,"endTime":270.43999900000017,"body":"website"},{"speaker":"Treichel","startTime":270.47999900000013,"endTime":270.66999900000013,"body":"that's"},{"speaker":"Treichel","startTime":270.66999900000013,"endTime":271.20999900000015,"body":"available"},{"speaker":"Treichel","startTime":271.21999900000014,"endTime":271.3099990000002,"body":"to"},{"speaker":"Treichel","startTime":271.3099990000002,"endTime":271.4299990000002,"body":"the"},{"speaker":"Treichel","startTime":271.4299990000002,"endTime":271.93999900000017,"body":"public,"},{"speaker":"Treichel","startTime":271.96999900000014,"endTime":271.9899990000001,"body":"it"},{"speaker":"Treichel","startTime":272.03999900000014,"endTime":272.2599990000001,"body":"has"},{"speaker":"Treichel","startTime":272.2599990000001,"endTime":272.31999900000017,"body":"a"},{"speaker":"Treichel","startTime":272.31999900000017,"endTime":272.5099990000001,"body":"good"},{"speaker":"Treichel","startTime":272.5099990000001,"endTime":273.0599990000002,"body":"description"},{"speaker":"Treichel","startTime":273.0599990000002,"endTime":273.1999985000001,"body":"of"},{"speaker":"Treichel","startTime":273.1999985000001,"endTime":273.6199980000001,"body":"HMDA."},{"speaker":"Treichel","startTime":273.8099990000002,"endTime":273.93999900000017,"body":"It"},{"speaker":"Treichel","startTime":273.93999900000017,"endTime":274.2599990000001,"body":"says"},{"speaker":"Treichel","startTime":274.2699990000001,"endTime":274.4299990000002,"body":"that"},{"speaker":"Treichel","startTime":274.47999900000013,"endTime":274.89999900000015,"body":"HMDA"},{"speaker":"Treichel","startTime":274.90999800000014,"endTime":275.09999800000014,"body":"was"},{"speaker":"Treichel","startTime":275.09999900000014,"endTime":275.6399990000001,"body":"implemented"},{"speaker":"Treichel","startTime":275.6399990000001,"endTime":275.8199985000001,"body":"by"},{"speaker":"Treichel","startTime":275.8199985000001,"endTime":276.54999800000013,"body":"Regulation"},{"speaker":"Treichel","startTime":276.70999900000015,"endTime":277.27999900000015,"body":"C,"},{"speaker":"Treichel","startTime":277.3799990000001,"endTime":277.52999850000015,"body":"as"},{"speaker":"Treichel","startTime":277.52999850000015,"endTime":277.65999800000014,"body":"in"},{"speaker":"Treichel","startTime":277.65999800000014,"endTime":278.07999800000016,"body":"CAT,"},{"speaker":"Treichel","startTime":278.1799990000002,"endTime":278.7499990000001,"body":"requires"},{"speaker":"Treichel","startTime":278.7599990000001,"endTime":279.3699990000001,"body":"financial"},{"speaker":"Treichel","startTime":279.3699990000001,"endTime":280.22999900000013,"body":"institutions,"},{"speaker":"Treichel","startTime":280.29000000000013,"endTime":280.9399995000001,"body":"including"},{"speaker":"Treichel","startTime":280.9399995000001,"endTime":281.28999900000014,"body":"credit"},{"speaker":"Treichel","startTime":281.29000000000013,"endTime":281.70000000000016,"body":"unions,"},{"speaker":"Treichel","startTime":282.26999900000015,"endTime":282.39999900000015,"body":"To"},{"speaker":"Treichel","startTime":282.39999900000015,"endTime":283.3099990000001,"body":"compile"},{"speaker":"Treichel","startTime":283.40999900000014,"endTime":283.7499990000001,"body":"and"},{"speaker":"Treichel","startTime":283.7499990000001,"endTime":284.35999900000013,"body":"disclose"},{"speaker":"Treichel","startTime":284.3699990000001,"endTime":284.83999900000015,"body":"data"},{"speaker":"Treichel","startTime":284.8699990000001,"endTime":285.32999900000016,"body":"about"},{"speaker":"Treichel","startTime":285.40999900000014,"endTime":285.83999900000015,"body":"home"},{"speaker":"Treichel","startTime":285.83999900000015,"endTime":286.2999990000001,"body":"purchase"},{"speaker":"Treichel","startTime":286.2999990000001,"endTime":286.75999900000016,"body":"loans,"},{"speaker":"Treichel","startTime":286.75999900000016,"endTime":286.95999900000015,"body":"home"},{"speaker":"Treichel","startTime":286.95999900000015,"endTime":287.5699990000001,"body":"improvement"},{"speaker":"Treichel","startTime":287.5699990000001,"endTime":288.03999900000014,"body":"loans"},{"speaker":"Treichel","startTime":288.47999900000013,"endTime":288.64999900000015,"body":"and"},{"speaker":"Treichel","startTime":288.64999900000015,"endTime":289.70999900000015,"body":"refinancing"},{"speaker":"Treichel","startTime":289.71999900000014,"endTime":290.07999900000016,"body":"that"},{"speaker":"Treichel","startTime":290.2399990000001,"endTime":290.41999900000013,"body":"they"},{"speaker":"Treichel","startTime":290.41999900000013,"endTime":291.09999900000014,"body":"originate"},{"speaker":"Treichel","startTime":291.26999900000015,"endTime":291.4299990000001,"body":"or"},{"speaker":"Treichel","startTime":291.4299990000001,"endTime":292.00999900000016,"body":"purchase"},{"speaker":"Treichel","startTime":292.53999800000014,"endTime":292.72999800000014,"body":"or"},{"speaker":"Treichel","startTime":292.72999900000013,"endTime":292.85999900000013,"body":"for"},{"speaker":"Treichel","startTime":292.85999900000013,"endTime":293.06999900000017,"body":"which"},{"speaker":"Treichel","startTime":293.3099990000001,"endTime":293.4499985000001,"body":"they"},{"speaker":"Treichel","startTime":293.4499985000001,"endTime":293.85999800000013,"body":"receive"},{"speaker":"Treichel","startTime":293.85999900000013,"endTime":294.70999900000015,"body":"applications."},{"speaker":"Treichel","startTime":295.01999900000015,"endTime":295.41999900000013,"body":"And"},{"speaker":"Treichel","startTime":295.4299990000001,"endTime":295.5699990000001,"body":"the"},{"speaker":"Treichel","startTime":295.5699990000001,"endTime":296.0699990000001,"body":"purpose,"},{"speaker":"Treichel","startTime":296.0699990000001,"endTime":296.51999900000015,"body":"according"},{"speaker":"Treichel","startTime":296.51999900000015,"endTime":296.6199985000001,"body":"to"},{"speaker":"Treichel","startTime":296.6199985000001,"endTime":296.71999800000015,"body":"the"},{"speaker":"Treichel","startTime":296.71999900000014,"endTime":297.40999900000014,"body":"manual"},{"speaker":"Treichel","startTime":297.46999900000014,"endTime":297.71999900000014,"body":"is"},{"speaker":"Treichel","startTime":297.71999900000014,"endTime":297.8199985000001,"body":"to"},{"speaker":"Treichel","startTime":297.8199985000001,"endTime":298.2599980000001,"body":"provide"},{"speaker":"Treichel","startTime":298.2599980000001,"endTime":298.3799980000001,"body":"the"},{"speaker":"Treichel","startTime":298.38999900000016,"endTime":299.10999900000013,"body":"public"},{"speaker":"Treichel","startTime":299.41999800000013,"endTime":299.6999980000001,"body":"with"},{"speaker":"Treichel","startTime":299.70009800000014,"endTime":300.3898990000001,"body":"data."},{"speaker":"Treichel","startTime":300.5999990000001,"endTime":300.7799990000001,"body":"That"},{"speaker":"Treichel","startTime":300.7799990000001,"endTime":300.8999990000001,"body":"can"},{"speaker":"Treichel","startTime":300.8999990000001,"endTime":301.0299990000001,"body":"be"},{"speaker":"Treichel","startTime":301.0299990000001,"endTime":301.4699990000001,"body":"used"},{"speaker":"Treichel","startTime":301.4799990000001,"endTime":301.6299990000001,"body":"to"},{"speaker":"Treichel","startTime":301.6399990000001,"endTime":302.0799990000001,"body":"help"},{"speaker":"Treichel","startTime":302.0799990000001,"endTime":302.7899990000001,"body":"determine"},{"speaker":"Treichel","startTime":302.7899990000001,"endTime":303.1299990000001,"body":"whether"},{"speaker":"Treichel","startTime":303.1599990000001,"endTime":303.5199990000001,"body":"credit"},{"speaker":"Treichel","startTime":303.5599990000001,"endTime":304.1999990000001,"body":"unions"},{"speaker":"Treichel","startTime":304.1999990000001,"endTime":304.35999900000013,"body":"are"},{"speaker":"Treichel","startTime":304.35999900000013,"endTime":304.8799990000001,"body":"serving"},{"speaker":"Treichel","startTime":304.8799990000001,"endTime":304.9999990000001,"body":"the"},{"speaker":"Treichel","startTime":304.9999990000001,"endTime":305.6399990000001,"body":"housing"},{"speaker":"Treichel","startTime":305.6499990000001,"endTime":305.9999990000001,"body":"needs"},{"speaker":"Treichel","startTime":305.9999990000001,"endTime":306.1299990000001,"body":"of"},{"speaker":"Treichel","startTime":306.1299990000001,"endTime":306.2799990000001,"body":"their"},{"speaker":"Treichel","startTime":306.3199990000001,"endTime":307.0999990000001,"body":"communities"},{"speaker":"Treichel","startTime":307.3099990000001,"endTime":307.4999990000001,"body":"to"},{"speaker":"Treichel","startTime":307.4999990000001,"endTime":308.0199990000001,"body":"assist"},{"speaker":"Treichel","startTime":308.0699990000001,"endTime":308.4599990000001,"body":"public"},{"speaker":"Treichel","startTime":308.4599990000001,"endTime":309.0199990000001,"body":"officials"},{"speaker":"Treichel","startTime":309.0199990000001,"endTime":309.1499990000001,"body":"and"},{"speaker":"Treichel","startTime":309.1499990000001,"endTime":309.8299990000001,"body":"distributing"},{"speaker":"Treichel","startTime":309.8299990000001,"endTime":310.1999985000001,"body":"public"},{"speaker":"Treichel","startTime":310.1999985000001,"endTime":310.5899980000001,"body":"sector"},{"speaker":"Treichel","startTime":310.5899990000001,"endTime":311.2499990000001,"body":"investments"},{"speaker":"Treichel","startTime":311.5099990000001,"endTime":311.7399985000001,"body":"to"},{"speaker":"Treichel","startTime":311.7399985000001,"endTime":312.4499980000001,"body":"attract"},{"speaker":"Treichel","startTime":312.4599990000001,"endTime":312.85999850000013,"body":"private"},{"speaker":"Treichel","startTime":312.85999850000013,"endTime":313.3899980000001,"body":"investment"},{"speaker":"Treichel","startTime":313.3899990000001,"endTime":313.4899985000001,"body":"to"},{"speaker":"Treichel","startTime":313.4899985000001,"endTime":313.9299980000001,"body":"areas"},{"speaker":"Treichel","startTime":313.9299990000001,"endTime":314.0899990000001,"body":"where"},{"speaker":"Treichel","startTime":314.0899990000001,"endTime":314.1799990000001,"body":"it's"},{"speaker":"Treichel","startTime":314.2299990000001,"endTime":314.8299990000001,"body":"needed"},{"speaker":"Treichel","startTime":315.3299980000001,"endTime":316.0299980000001,"body":"and."},{"speaker":"Treichel","startTime":316.4449990000001,"endTime":316.7649990000001,"body":"Maybe"},{"speaker":"Treichel","startTime":316.7649990000001,"endTime":317.10499900000013,"body":"most"},{"speaker":"Treichel","startTime":317.10499900000013,"endTime":317.6749990000001,"body":"important"},{"speaker":"Treichel","startTime":318.41499900000014,"endTime":318.60499900000013,"body":"to"},{"speaker":"Treichel","startTime":318.60499900000013,"endTime":319.06499900000017,"body":"assist"},{"speaker":"Treichel","startTime":319.06499900000017,"endTime":319.19499900000017,"body":"in"},{"speaker":"Treichel","startTime":319.19499900000017,"endTime":320.01499900000016,"body":"identifying"},{"speaker":"Treichel","startTime":320.01499900000016,"endTime":320.72499900000014,"body":"possible"},{"speaker":"Treichel","startTime":320.7449990000002,"endTime":321.90499900000015,"body":"discriminatory"},{"speaker":"Treichel","startTime":321.90499900000015,"endTime":322.41499900000014,"body":"lending"},{"speaker":"Treichel","startTime":322.41499900000014,"endTime":323.06499900000017,"body":"patterns"},{"speaker":"Treichel","startTime":323.23499900000013,"endTime":323.41499900000014,"body":"and"},{"speaker":"Treichel","startTime":323.41499900000014,"endTime":324.10499900000013,"body":"enforcing"},{"speaker":"Treichel","startTime":324.10499900000013,"endTime":324.82499900000016,"body":"compliance"},{"speaker":"Treichel","startTime":324.82499900000016,"endTime":325.01499900000016,"body":"with"},{"speaker":"Treichel","startTime":325.04499900000013,"endTime":325.51499850000016,"body":"anti"},{"speaker":"Treichel","startTime":325.51499850000016,"endTime":326.46499800000015,"body":"discrimination"},{"speaker":"Treichel","startTime":326.4949990000002,"endTime":327.19499900000017,"body":"statutes."},{"speaker":"Treichel","startTime":327.60499900000013,"endTime":327.78499900000014,"body":"So"},{"speaker":"Treichel","startTime":327.78499900000014,"endTime":328.04499900000013,"body":"that's"},{"speaker":"Treichel","startTime":328.04499900000013,"endTime":328.20499900000016,"body":"the"},{"speaker":"Treichel","startTime":328.21499800000015,"endTime":328.67499800000013,"body":"general"},{"speaker":"Treichel","startTime":328.67499800000013,"endTime":329.3649980000002,"body":"background"},{"speaker":"Treichel","startTime":329.3649990000002,"endTime":329.5549990000002,"body":"on"},{"speaker":"Treichel","startTime":329.56499900000017,"endTime":329.79499900000013,"body":"hum."},{"speaker":"Treichel","startTime":330.16499900000014,"endTime":330.44499900000017,"body":"And"},{"speaker":"Treichel","startTime":330.46499800000015,"endTime":330.6149980000002,"body":"we"},{"speaker":"Treichel","startTime":330.6149990000002,"endTime":330.7449990000002,"body":"should"},{"speaker":"Treichel","startTime":330.7449990000002,"endTime":330.98499900000013,"body":"probably"},{"speaker":"Treichel","startTime":331.01499800000016,"endTime":331.19499800000017,"body":"take"},{"speaker":"Treichel","startTime":331.19499900000017,"endTime":331.2449990000002,"body":"a"},{"speaker":"Treichel","startTime":331.2449990000002,"endTime":331.48499900000013,"body":"look"},{"speaker":"Treichel","startTime":331.48499900000013,"endTime":331.72499900000014,"body":"now"},{"speaker":"Treichel","startTime":331.72499900000014,"endTime":331.89499900000015,"body":"at"},{"speaker":"Treichel","startTime":331.89499900000015,"endTime":332.03499900000014,"body":"what"},{"speaker":"Treichel","startTime":332.03499900000014,"endTime":332.13499900000016,"body":"it"},{"speaker":"Treichel","startTime":332.16499900000014,"endTime":332.81499900000017,"body":"covers"},{"speaker":"Treichel","startTime":333.39500000000015,"endTime":333.60499950000013,"body":"who"},{"speaker":"Treichel","startTime":333.60499950000013,"endTime":333.88499900000016,"body":"has"},{"speaker":"Treichel","startTime":333.88499900000016,"endTime":334.02499900000015,"body":"to"},{"speaker":"Treichel","startTime":334.02499900000015,"endTime":334.63499900000016,"body":"collect"},{"speaker":"Treichel","startTime":334.63499900000016,"endTime":334.8649990000002,"body":"and"},{"speaker":"Treichel","startTime":334.8649990000002,"endTime":335.31499900000017,"body":"file"},{"speaker":"Treichel","startTime":335.50499800000017,"endTime":335.63499800000017,"body":"the"},{"speaker":"Treichel","startTime":335.63499900000016,"endTime":336.15499900000015,"body":"data."},{"speaker":"Treichel","startTime":336.64499900000015,"endTime":336.90499900000015,"body":"What"},{"speaker":"Treichel","startTime":336.9349990000001,"endTime":337.26499900000016,"body":"data"},{"speaker":"Treichel","startTime":337.26499900000016,"endTime":337.52499900000015,"body":"must"},{"speaker":"Treichel","startTime":337.52499900000015,"endTime":337.76499900000016,"body":"have"},{"speaker":"Treichel","startTime":337.91499900000014,"endTime":338.06499900000017,"body":"be"},{"speaker":"Treichel","startTime":338.06499900000017,"endTime":338.50499900000017,"body":"collected"},{"speaker":"Treichel","startTime":338.50499900000017,"endTime":338.59499900000014,"body":"and"},{"speaker":"Treichel","startTime":338.59499900000014,"endTime":339.14499900000015,"body":"filed"},{"speaker":"Treichel","startTime":339.22499900000014,"endTime":339.70499900000016,"body":"how"},{"speaker":"Treichel","startTime":339.70499900000016,"endTime":339.91499900000014,"body":"and"},{"speaker":"Treichel","startTime":339.91499900000014,"endTime":340.1149990000001,"body":"when"},{"speaker":"Treichel","startTime":340.1249990000002,"endTime":340.15499900000015,"body":"it's"},{"speaker":"Treichel","startTime":340.1749990000001,"endTime":340.58499900000015,"body":"supposed"},{"speaker":"Treichel","startTime":340.58499900000015,"endTime":340.65499900000015,"body":"to"},{"speaker":"Treichel","startTime":340.66499900000014,"endTime":340.79499900000013,"body":"be"},{"speaker":"Treichel","startTime":340.79499900000013,"endTime":341.25499900000017,"body":"filed."},{"speaker":"Treichel","startTime":341.4249990000001,"endTime":341.5549990000001,"body":"Yeah,"},{"speaker":"Treichel","startTime":341.5549990000001,"endTime":341.6249990000002,"body":"there's"},{"speaker":"Treichel","startTime":341.6749990000001,"endTime":341.7449990000001,"body":"a"},{"speaker":"Treichel","startTime":341.7449990000001,"endTime":342.04499900000013,"body":"lot"},{"speaker":"Treichel","startTime":342.04499900000013,"endTime":342.29499900000013,"body":"there."},{"speaker":"Treichel","startTime":342.84499900000014,"endTime":342.96499900000015,"body":"You're"},{"speaker":"Treichel","startTime":342.96499900000015,"endTime":343.01499900000016,"body":"a"},{"speaker":"Treichel","startTime":343.01499900000016,"endTime":343.26499900000016,"body":"lot"},{"speaker":"Treichel","startTime":343.26499900000016,"endTime":343.50499900000017,"body":"there."},{"speaker":"Treichel","startTime":343.50499900000017,"endTime":343.8049990000001,"body":"And"},{"speaker":"Treichel","startTime":343.8049990000001,"endTime":343.95499900000016,"body":"so"},{"speaker":"Treichel","startTime":343.95499900000016,"endTime":344.1149990000001,"body":"you"},{"speaker":"Treichel","startTime":344.1149990000001,"endTime":344.4349990000001,"body":"mentioned"},{"speaker":"Treichel","startTime":344.4349990000001,"endTime":344.5549990000001,"body":"the"},{"speaker":"Treichel","startTime":344.8749990000002,"endTime":345.09499900000014,"body":"fair"},{"speaker":"Treichel","startTime":345.09499900000014,"endTime":345.45499900000016,"body":"lending"},{"speaker":"Treichel","startTime":345.45499900000016,"endTime":345.85499900000013,"body":"guide"},{"speaker":"Treichel","startTime":345.90499900000015,"endTime":346.0549990000001,"body":"for"},{"speaker":"Treichel","startTime":346.0549990000001,"endTime":346.07499900000016,"body":"the"},{"speaker":"Treichel","startTime":346.07499900000016,"endTime":346.54499850000013,"body":"listeners."},{"speaker":"Treichel","startTime":346.54499850000013,"endTime":346.76499800000016,"body":"We'll"},{"speaker":"Treichel","startTime":346.76499900000016,"endTime":346.97499900000014,"body":"have"},{"speaker":"Treichel","startTime":346.97499900000014,"endTime":347.0549990000001,"body":"a"},{"speaker":"Treichel","startTime":347.0549990000001,"endTime":347.28499900000014,"body":"link"},{"speaker":"Treichel","startTime":347.3049990000001,"endTime":347.44499900000017,"body":"in"},{"speaker":"Treichel","startTime":347.44499900000017,"endTime":347.52499900000015,"body":"the"},{"speaker":"Treichel","startTime":347.52499900000015,"endTime":347.76499900000016,"body":"show"},{"speaker":"Treichel","startTime":347.76499900000016,"endTime":348.1149990000001,"body":"notes"},{"speaker":"Treichel","startTime":348.31499900000017,"endTime":348.4949990000001,"body":"where"},{"speaker":"Treichel","startTime":348.4949990000001,"endTime":348.64499900000015,"body":"you"},{"speaker":"Treichel","startTime":348.64499900000015,"endTime":348.81499900000017,"body":"can"},{"speaker":"Treichel","startTime":348.81499900000017,"endTime":349.1249985000002,"body":"find"},{"speaker":"Treichel","startTime":349.1249985000002,"endTime":349.42499800000013,"body":"that."},{"speaker":"Treichel","startTime":350.0549990000001,"endTime":350.27499900000015,"body":"And"},{"speaker":"Treichel","startTime":350.27499900000015,"endTime":350.6849990000001,"body":"so,"},{"speaker":"Treichel","startTime":350.71499800000015,"endTime":350.98499800000013,"body":"Joe,"},{"speaker":"Treichel","startTime":350.98499900000013,"endTime":351.19499900000017,"body":"some"},{"speaker":"Treichel","startTime":351.19499900000017,"endTime":351.28499900000014,"body":"of"},{"speaker":"Treichel","startTime":351.28499900000014,"endTime":351.45499900000016,"body":"the"},{"speaker":"Treichel","startTime":351.4949990000001,"endTime":351.96499850000015,"body":"questions"},{"speaker":"Treichel","startTime":351.96499850000015,"endTime":352.16499800000014,"body":"you"},{"speaker":"Treichel","startTime":352.17499800000013,"endTime":352.48499800000013,"body":"pose"},{"speaker":"Treichel","startTime":352.4949990000001,"endTime":352.64499900000015,"body":"that"},{"speaker":"Treichel","startTime":352.64499900000015,"endTime":352.78499900000014,"body":"we"},{"speaker":"Treichel","startTime":352.78499900000014,"endTime":353.1849990000001,"body":"needed"},{"speaker":"Treichel","startTime":353.23499800000013,"endTime":353.40499800000015,"body":"to"},{"speaker":"Treichel","startTime":353.40499800000015,"endTime":353.76499800000016,"body":"ask."},{"speaker":"Treichel","startTime":353.91499800000014,"endTime":354.08499800000016,"body":"So,"},{"speaker":"Treichel","startTime":354.08499800000016,"endTime":354.26499800000016,"body":"who"},{"speaker":"Treichel","startTime":354.26499900000016,"endTime":354.42499850000013,"body":"is"},{"speaker":"Treichel","startTime":354.42499850000013,"endTime":354.6149980000001,"body":"it"},{"speaker":"Treichel","startTime":354.71499900000015,"endTime":354.9949985000001,"body":"credit"},{"speaker":"Treichel","startTime":354.9949985000001,"endTime":355.26499800000016,"body":"union"},{"speaker":"Treichel","startTime":355.26499900000016,"endTime":355.56499900000017,"body":"wise"},{"speaker":"Treichel","startTime":355.56509900000015,"endTime":356.09489900000017,"body":"that."},{"speaker":"Treichel","startTime":356.5149990000001,"endTime":356.8249990000001,"body":"Must"},{"speaker":"Treichel","startTime":356.8249990000001,"endTime":357.23499900000013,"body":"report"},{"speaker":"Treichel","startTime":357.2449990000001,"endTime":357.4249990000001,"body":"and"},{"speaker":"Treichel","startTime":357.4249990000001,"endTime":357.73499900000013,"body":"collect"},{"speaker":"Treichel","startTime":357.7449990000001,"endTime":357.98499900000013,"body":"come"},{"speaker":"Treichel","startTime":357.98499900000013,"endTime":358.0849990000001,"body":"to"},{"speaker":"Treichel","startTime":358.0849990000001,"endTime":358.4549990000001,"body":"data"},{"speaker":"Treichel","startTime":358.48499900000013,"endTime":358.7049990000001,"body":"in"},{"speaker":"Treichel","startTime":358.7049990000001,"endTime":359.5649990000001,"body":"2022."},{"speaker":"Treichel","startTime":359.5649990000001,"endTime":359.6349990000001,"body":"And"},{"speaker":"Treichel","startTime":359.6349990000001,"endTime":360.0549990000001,"body":"maybe"},{"speaker":"Treichel","startTime":360.29499900000013,"endTime":360.4649990000001,"body":"if"},{"speaker":"Treichel","startTime":360.4649990000001,"endTime":360.59499900000014,"body":"you"},{"speaker":"Treichel","startTime":360.6249990000001,"endTime":360.73499900000013,"body":"could"},{"speaker":"Treichel","startTime":360.73499900000013,"endTime":361.3349990000001,"body":"also,"},{"speaker":"Treichel","startTime":361.41499900000014,"endTime":361.5749990000001,"body":"I'll"},{"speaker":"Treichel","startTime":361.5749990000001,"endTime":361.7049990000001,"body":"do"},{"speaker":"Treichel","startTime":361.7049990000001,"endTime":361.78499900000014,"body":"it,"},{"speaker":"Treichel","startTime":361.78499900000014,"endTime":361.97499900000014,"body":"make"},{"speaker":"Treichel","startTime":361.97499900000014,"endTime":362.0849990000001,"body":"it"},{"speaker":"Treichel","startTime":362.0849990000001,"endTime":362.3149990000001,"body":"into"},{"speaker":"Treichel","startTime":362.3149990000001,"endTime":362.4149490000001,"body":"a"},{"speaker":"Treichel","startTime":362.4149490000001,"endTime":362.4150490000001,"body":"2"},{"speaker":"Treichel","startTime":362.4150490000001,"endTime":362.8049990000001,"body":"parter."},{"speaker":"Treichel","startTime":362.85499900000013,"endTime":363.0049990000001,"body":"You"},{"speaker":"Treichel","startTime":363.0149990000001,"endTime":363.1849990000001,"body":"said"},{"speaker":"Treichel","startTime":363.1849990000001,"endTime":363.3249990000001,"body":"it"},{"speaker":"Treichel","startTime":363.4449990000001,"endTime":363.6749990000001,"body":"who's"},{"speaker":"Treichel","startTime":363.6949990000001,"endTime":364.04499900000013,"body":"covered"},{"speaker":"Treichel","startTime":364.04499900000013,"endTime":364.4949990000001,"body":"changes"},{"speaker":"Treichel","startTime":364.4949990000001,"endTime":364.79499900000013,"body":"every"},{"speaker":"Treichel","startTime":365.04499900000013,"endTime":365.35499900000013,"body":"year."},{"speaker":"Treichel","startTime":365.35499900000013,"endTime":365.7149990000001,"body":"So"},{"speaker":"Treichel","startTime":365.9649990000001,"endTime":366.2049990000001,"body":"who's"},{"speaker":"Treichel","startTime":366.23499900000013,"endTime":366.54499900000013,"body":"covered"},{"speaker":"Treichel","startTime":366.54499900000013,"endTime":366.6549990000001,"body":"in"},{"speaker":"Treichel","startTime":366.6549990000001,"endTime":367.47499900000014,"body":"2022?"},{"speaker":"Treichel","startTime":367.48499900000013,"endTime":367.5849990000001,"body":"and"},{"speaker":"Treichel","startTime":367.5849990000001,"endTime":367.6949990000001,"body":"how"},{"speaker":"Treichel","startTime":367.6949990000001,"endTime":367.7649990000001,"body":"do"},{"speaker":"Treichel","startTime":367.78499900000014,"endTime":367.8949990000001,"body":"the"},{"speaker":"Treichel","startTime":367.8949990000001,"endTime":368.3049985000001,"body":"changes"},{"speaker":"Treichel","startTime":368.3049985000001,"endTime":368.6249980000001,"body":"work?"},{"speaker":"Treichel","startTime":369.0149990000001,"endTime":369.28499900000014,"body":"All"},{"speaker":"Treichel","startTime":369.28499900000014,"endTime":369.5049990000001,"body":"right,"},{"speaker":"Treichel","startTime":369.5249980000001,"endTime":369.7549980000001,"body":"well,"},{"speaker":"Treichel","startTime":369.7549990000001,"endTime":369.90499900000015,"body":"let's"},{"speaker":"Treichel","startTime":369.9549990000001,"endTime":370.2649990000001,"body":"start"},{"speaker":"Treichel","startTime":370.2649990000001,"endTime":370.46499900000015,"body":"with"},{"speaker":"Treichel","startTime":370.46499900000015,"endTime":370.6349990000001,"body":"the"},{"speaker":"Treichel","startTime":370.6449990000001,"endTime":371.4349990000001,"body":"criteria"},{"speaker":"Treichel","startTime":371.4349990000001,"endTime":371.78499900000014,"body":"for"},{"speaker":"Treichel","startTime":371.8349990000001,"endTime":372.1449990000001,"body":"2022"},{"speaker":"Treichel","startTime":372.97499900000014,"endTime":373.5049990000001,"body":"and"},{"speaker":"Treichel","startTime":373.53499900000014,"endTime":373.7749985000001,"body":"these"},{"speaker":"Treichel","startTime":373.7749985000001,"endTime":374.2449980000001,"body":"are"},{"speaker":"Treichel","startTime":374.41499800000014,"endTime":374.7149980000001,"body":"4"},{"speaker":"Treichel","startTime":374.71499900000015,"endTime":375.54499900000013,"body":"criteria,"},{"speaker":"Treichel","startTime":375.5749990000001,"endTime":375.8949990000001,"body":"all"},{"speaker":"Treichel","startTime":375.8949990000001,"endTime":376.0549990000001,"body":"of"},{"speaker":"Treichel","startTime":376.0549990000001,"endTime":376.3049990000001,"body":"which."},{"speaker":"Treichel","startTime":376.7149990000001,"endTime":376.8149990000001,"body":"a"},{"speaker":"Treichel","startTime":376.8149990000001,"endTime":377.0749990000001,"body":"credit"},{"speaker":"Treichel","startTime":377.0849990000001,"endTime":377.47499900000014,"body":"union"},{"speaker":"Treichel","startTime":377.47499900000014,"endTime":377.7749990000001,"body":"must"},{"speaker":"Treichel","startTime":377.8349990000001,"endTime":378.2549990000001,"body":"meet"},{"speaker":"Treichel","startTime":378.3949990000001,"endTime":378.5649990000001,"body":"in"},{"speaker":"Treichel","startTime":378.5649990000001,"endTime":378.7449990000001,"body":"order"},{"speaker":"Treichel","startTime":378.7449990000001,"endTime":378.8449990000001,"body":"to"},{"speaker":"Treichel","startTime":378.85499900000013,"endTime":378.9949990000001,"body":"be"},{"speaker":"Treichel","startTime":378.9949990000001,"endTime":379.4549990000001,"body":"required"},{"speaker":"Treichel","startTime":379.4549990000001,"endTime":379.5149990000001,"body":"to"},{"speaker":"Treichel","startTime":379.5149990000001,"endTime":379.9449990000001,"body":"file."},{"speaker":"Treichel","startTime":379.9549990000001,"endTime":380.3149990000001,"body":"So"},{"speaker":"Treichel","startTime":380.3149990000001,"endTime":380.4349990000001,"body":"if"},{"speaker":"Treichel","startTime":380.4449990000001,"endTime":380.72499900000014,"body":"you"},{"speaker":"Treichel","startTime":380.73499900000013,"endTime":381.0849990000001,"body":"do"},{"speaker":"Treichel","startTime":381.0949990000001,"endTime":381.3249990000001,"body":"one"},{"speaker":"Treichel","startTime":381.3249990000001,"endTime":381.41499900000014,"body":"of"},{"speaker":"Treichel","startTime":381.41499900000014,"endTime":381.5049990000001,"body":"the"},{"speaker":"Treichel","startTime":381.5149990000001,"endTime":382.0949990000001,"body":"four,"},{"speaker":"Treichel","startTime":382.2649990000001,"endTime":382.5949990000001,"body":"three"},{"speaker":"Treichel","startTime":382.5949990000001,"endTime":382.6749990000001,"body":"of"},{"speaker":"Treichel","startTime":382.6749990000001,"endTime":382.7449990000001,"body":"the"},{"speaker":"Treichel","startTime":382.7449990000001,"endTime":383.0949990000001,"body":"four,"},{"speaker":"Treichel","startTime":383.0949990000001,"endTime":383.22499900000014,"body":"you're"},{"speaker":"Treichel","startTime":383.22499900000014,"endTime":383.4449990000001,"body":"not"},{"speaker":"Treichel","startTime":383.4449990000001,"endTime":383.85499900000013,"body":"required,"},{"speaker":"Treichel","startTime":383.85499900000013,"endTime":383.9049990000001,"body":"you"},{"speaker":"Treichel","startTime":383.9049990000001,"endTime":383.9949990000001,"body":"have"},{"speaker":"Treichel","startTime":383.9949990000001,"endTime":384.0749990000001,"body":"to"},{"speaker":"Treichel","startTime":384.0849990000001,"endTime":384.2449990000001,"body":"meet"},{"speaker":"Treichel","startTime":384.2449990000001,"endTime":384.4049990000001,"body":"all"},{"speaker":"Treichel","startTime":384.4049990000001,"endTime":384.6449985000001,"body":"four"},{"speaker":"Treichel","startTime":384.6449985000001,"endTime":384.7149980000001,"body":"of"},{"speaker":"Treichel","startTime":384.72499900000014,"endTime":384.9649990000001,"body":"these"},{"speaker":"Treichel","startTime":385.0849990000001,"endTime":385.7849990000001,"body":"requirements."},{"speaker":"Treichel","startTime":385.8649990000001,"endTime":386.0349990000001,"body":"So"},{"speaker":"Treichel","startTime":386.0349990000001,"endTime":386.16499900000014,"body":"the"},{"speaker":"Treichel","startTime":386.16499900000014,"endTime":386.5149990000001,"body":"first"},{"speaker":"Treichel","startTime":386.5149990000001,"endTime":386.6449985000001,"body":"one"},{"speaker":"Treichel","startTime":386.6449985000001,"endTime":386.8349980000001,"body":"is"},{"speaker":"Treichel","startTime":386.8449990000001,"endTime":387.0849990000001,"body":"what's"},{"speaker":"Treichel","startTime":387.0849990000001,"endTime":387.5049990000001,"body":"referred"},{"speaker":"Treichel","startTime":387.5049990000001,"endTime":387.6549990000001,"body":"to"},{"speaker":"Treichel","startTime":387.6549990000001,"endTime":387.7749990000001,"body":"as"},{"speaker":"Treichel","startTime":387.7749990000001,"endTime":387.9449990000001,"body":"an"},{"speaker":"Treichel","startTime":387.9649990000001,"endTime":388.48499900000013,"body":"asset"},{"speaker":"Treichel","startTime":388.60499800000014,"endTime":389.0049980000001,"body":"size"},{"speaker":"Treichel","startTime":389.04499900000013,"endTime":389.7449990000001,"body":"threshold."},{"speaker":"Treichel","startTime":390.0049990000001,"endTime":390.2749990000001,"body":"That"},{"speaker":"Treichel","startTime":390.2749990000001,"endTime":390.7549990000001,"body":"changes"},{"speaker":"Treichel","startTime":390.7549990000001,"endTime":391.4549990000001,"body":"annually,"},{"speaker":"Treichel","startTime":391.5949980000001,"endTime":391.8049980000001,"body":"but"},{"speaker":"Treichel","startTime":391.8049980000001,"endTime":391.9449980000001,"body":"for"},{"speaker":"Treichel","startTime":391.9449990000001,"endTime":392.6949990000001,"body":"2022,"},{"speaker":"Treichel","startTime":393.54499800000013,"endTime":393.7249980000001,"body":"a"},{"speaker":"Treichel","startTime":393.7249980000001,"endTime":394.0649980000001,"body":"credit"},{"speaker":"Treichel","startTime":394.0749990000001,"endTime":394.5149990000001,"body":"union"},{"speaker":"Treichel","startTime":394.5149990000001,"endTime":394.8949990000001,"body":"meets"},{"speaker":"Treichel","startTime":394.9450000000001,"endTime":395.10499950000013,"body":"the"},{"speaker":"Treichel","startTime":395.10499950000013,"endTime":395.5849990000001,"body":"asset"},{"speaker":"Treichel","startTime":395.5849990000001,"endTime":396.0049990000001,"body":"size"},{"speaker":"Treichel","startTime":396.0649990000001,"endTime":396.8049990000001,"body":"threshold"},{"speaker":"Treichel","startTime":396.8249990000001,"endTime":397.03499900000014,"body":"if"},{"speaker":"Treichel","startTime":397.03499900000014,"endTime":397.1449990000001,"body":"the"},{"speaker":"Treichel","startTime":397.1449990000001,"endTime":397.5849990000001,"body":"total"},{"speaker":"Treichel","startTime":397.5849990000001,"endTime":398.1149990000001,"body":"assets"},{"speaker":"Treichel","startTime":398.1149990000001,"endTime":398.2749990000001,"body":"as"},{"speaker":"Treichel","startTime":398.2750990000001,"endTime":398.75169900000014,"body":"of"},{"speaker":"Treichel","startTime":398.75169900000014,"endTime":399.22829900000016,"body":"December"},{"speaker":"Treichel","startTime":399.22829900000016,"endTime":399.7048990000001,"body":"31,"},{"speaker":"Treichel","startTime":399.7049990000001,"endTime":401.9249990000001,"body":"2021,"},{"speaker":"Treichel","startTime":402.4349990000001,"endTime":403.29499900000013,"body":"exceeded"},{"speaker":"Treichel","startTime":403.3249980000001,"endTime":403.6949980000001,"body":"50"},{"speaker":"Treichel","startTime":403.6949990000001,"endTime":404.1249990000001,"body":"million."},{"speaker":"Treichel","startTime":404.9849990000002,"endTime":405.44499900000017,"body":"So"},{"speaker":"Treichel","startTime":405.4849990000002,"endTime":405.6749990000002,"body":"that's"},{"speaker":"Treichel","startTime":405.6849990000002,"endTime":405.8049990000002,"body":"the"},{"speaker":"Treichel","startTime":405.8049990000002,"endTime":406.10499900000013,"body":"first"},{"speaker":"Treichel","startTime":406.10499900000013,"endTime":406.3049990000002,"body":"thing"},{"speaker":"Treichel","startTime":406.3049990000002,"endTime":406.38499900000016,"body":"if"},{"speaker":"Treichel","startTime":406.38499900000016,"endTime":406.57499900000016,"body":"you're"},{"speaker":"Treichel","startTime":406.57499900000016,"endTime":406.95499900000016,"body":"over,"},{"speaker":"Treichel","startTime":406.96499900000015,"endTime":407.10499900000013,"body":"if"},{"speaker":"Treichel","startTime":407.10499900000013,"endTime":407.25499900000017,"body":"you're"},{"speaker":"Treichel","startTime":407.25499900000017,"endTime":407.53499900000014,"body":"under"},{"speaker":"Treichel","startTime":407.53499900000014,"endTime":407.83499900000015,"body":"50"},{"speaker":"Treichel","startTime":407.83499900000015,"endTime":408.13499900000016,"body":"million"},{"speaker":"Treichel","startTime":408.13499900000016,"endTime":408.16499900000014,"body":"and."},{"speaker":"Treichel","startTime":409.50999900000016,"endTime":409.75999900000016,"body":"Close"},{"speaker":"Treichel","startTime":409.75999900000016,"endTime":409.84999900000014,"body":"the"},{"speaker":"Treichel","startTime":409.84999900000014,"endTime":410.21999900000014,"body":"book,"},{"speaker":"Treichel","startTime":410.63999900000016,"endTime":410.78999900000014,"body":"go"},{"speaker":"Treichel","startTime":410.78999900000014,"endTime":411.10999900000013,"body":"home."},{"speaker":"Treichel","startTime":411.1199990000002,"endTime":411.2399990000001,"body":"You"},{"speaker":"Treichel","startTime":411.2399990000001,"endTime":411.40999900000014,"body":"don't"},{"speaker":"Treichel","startTime":411.40999900000014,"endTime":411.5499990000001,"body":"have"},{"speaker":"Treichel","startTime":411.5499990000001,"endTime":411.63999900000016,"body":"to"},{"speaker":"Treichel","startTime":411.63999900000016,"endTime":411.88999900000016,"body":"worry"},{"speaker":"Treichel","startTime":411.88999900000016,"endTime":412.19999900000016,"body":"about"},{"speaker":"Treichel","startTime":412.19999900000016,"endTime":412.2499990000002,"body":"it."},{"speaker":"Treichel","startTime":412.31999900000017,"endTime":412.6199990000002,"body":"But"},{"speaker":"Treichel","startTime":412.70999900000015,"endTime":412.84999900000014,"body":"if"},{"speaker":"Treichel","startTime":412.88999900000016,"endTime":413.0599990000002,"body":"you"},{"speaker":"Treichel","startTime":413.0599990000002,"endTime":413.3699990000002,"body":"are"},{"speaker":"Treichel","startTime":413.3699990000002,"endTime":413.63999900000016,"body":"over"},{"speaker":"Treichel","startTime":413.63999900000016,"endTime":413.9299990000001,"body":"50"},{"speaker":"Treichel","startTime":413.9299990000001,"endTime":414.2499990000002,"body":"million"},{"speaker":"Treichel","startTime":414.2499990000002,"endTime":414.59999900000014,"body":"dollars"},{"speaker":"Treichel","startTime":414.59999900000014,"endTime":414.70999900000015,"body":"in"},{"speaker":"Treichel","startTime":414.71999900000014,"endTime":415.16999900000013,"body":"assets,"},{"speaker":"Treichel","startTime":415.1799990000001,"endTime":415.33999900000015,"body":"then"},{"speaker":"Treichel","startTime":415.33999900000015,"endTime":415.53999900000014,"body":"you'd"},{"speaker":"Treichel","startTime":415.53999900000014,"endTime":415.7499990000002,"body":"look"},{"speaker":"Treichel","startTime":415.7499990000002,"endTime":415.8699990000002,"body":"to"},{"speaker":"Treichel","startTime":415.8699990000002,"endTime":416.01999900000015,"body":"the"},{"speaker":"Treichel","startTime":416.01999900000015,"endTime":416.32999900000016,"body":"2nd"},{"speaker":"Treichel","startTime":416.34999900000014,"endTime":417.0599990000002,"body":"criteria,"},{"speaker":"Treichel","startTime":417.0599990000002,"endTime":417.25999900000016,"body":"which"},{"speaker":"Treichel","startTime":417.26999900000015,"endTime":417.47999900000013,"body":"is"},{"speaker":"Treichel","startTime":418.03999800000014,"endTime":418.34999800000014,"body":"called"},{"speaker":"Treichel","startTime":418.35999900000013,"endTime":418.4899990000001,"body":"the"},{"speaker":"Treichel","startTime":418.4899990000001,"endTime":419.16999900000013,"body":"location"},{"speaker":"Treichel","startTime":419.16999900000013,"endTime":419.56999900000017,"body":"test."},{"speaker":"Treichel","startTime":419.89999900000015,"endTime":420.06999900000017,"body":"And"},{"speaker":"Treichel","startTime":420.06999900000017,"endTime":420.27999900000015,"body":"that"},{"speaker":"Treichel","startTime":420.27999900000015,"endTime":420.4999985000002,"body":"is"},{"speaker":"Treichel","startTime":420.4999985000002,"endTime":420.6799980000001,"body":"that"},{"speaker":"Treichel","startTime":420.6799990000001,"endTime":420.77999900000015,"body":"the"},{"speaker":"Treichel","startTime":420.77999900000015,"endTime":421.06999900000017,"body":"credit"},{"speaker":"Treichel","startTime":421.07999800000016,"endTime":421.75999800000017,"body":"union."},{"speaker":"Treichel","startTime":422.06999900000017,"endTime":422.4899990000001,"body":"Also,"},{"speaker":"Treichel","startTime":422.4899990000001,"endTime":422.59999900000014,"body":"in"},{"speaker":"Treichel","startTime":422.60999900000013,"endTime":423.50999900000016,"body":"2021,"},{"speaker":"Treichel","startTime":423.50999900000016,"endTime":423.64999900000015,"body":"or"},{"speaker":"Treichel","startTime":423.64999900000015,"endTime":423.87999900000017,"body":"as"},{"speaker":"Treichel","startTime":423.87999900000017,"endTime":424.00999900000016,"body":"of"},{"speaker":"Treichel","startTime":424.00999900000016,"endTime":424.14999900000015,"body":"the"},{"speaker":"Treichel","startTime":424.14999900000015,"endTime":424.28999850000014,"body":"end"},{"speaker":"Treichel","startTime":424.28999850000014,"endTime":424.38999800000016,"body":"of"},{"speaker":"Treichel","startTime":424.38999900000016,"endTime":424.45999850000015,"body":"the"},{"speaker":"Treichel","startTime":424.45999850000015,"endTime":424.89999800000015,"body":"year,"},{"speaker":"Treichel","startTime":424.96999900000014,"endTime":425.78999900000014,"body":"2021"},{"speaker":"Treichel","startTime":426.14999900000015,"endTime":426.37999900000017,"body":"had"},{"speaker":"Treichel","startTime":426.37999900000017,"endTime":426.44999850000016,"body":"a"},{"speaker":"Treichel","startTime":426.44999850000016,"endTime":427.03999800000014,"body":"home"},{"speaker":"Treichel","startTime":427.0499990000001,"endTime":427.31999900000017,"body":"or"},{"speaker":"Treichel","startTime":427.31999900000017,"endTime":427.81999900000017,"body":"branch"},{"speaker":"Treichel","startTime":427.81999900000017,"endTime":428.27999900000015,"body":"office"},{"speaker":"Treichel","startTime":428.43999900000017,"endTime":428.63999900000016,"body":"in"},{"speaker":"Treichel","startTime":428.63999900000016,"endTime":428.83999900000015,"body":"a"},{"speaker":"Treichel","startTime":428.84999900000014,"endTime":429.9899990000001,"body":"metropolitan"},{"speaker":"Treichel","startTime":430.02999900000015,"endTime":430.9299990000001,"body":"statistical"},{"speaker":"Treichel","startTime":430.95999900000015,"endTime":431.51999900000015,"body":"area."},{"speaker":"Treichel","startTime":431.63999900000016,"endTime":431.83999900000015,"body":"That"},{"speaker":"Treichel","startTime":431.83999900000015,"endTime":432.37999900000017,"body":"includes"},{"speaker":"Treichel","startTime":432.37999900000017,"endTime":432.47999900000013,"body":"a"},{"speaker":"Treichel","startTime":432.4899990000001,"endTime":432.9299990000002,"body":"branch"},{"speaker":"Treichel","startTime":432.9299990000002,"endTime":433.46999900000014,"body":"office"},{"speaker":"Treichel","startTime":433.63999900000016,"endTime":433.8099990000002,"body":"or"},{"speaker":"Treichel","startTime":433.8099990000002,"endTime":434.01999900000015,"body":"any"},{"speaker":"Treichel","startTime":434.01999900000015,"endTime":434.84999900000014,"body":"location"},{"speaker":"Treichel","startTime":434.97999900000013,"endTime":435.19999900000016,"body":"where"},{"speaker":"Treichel","startTime":435.19999900000016,"endTime":435.7499985000002,"body":"accounts"},{"speaker":"Treichel","startTime":435.7499985000002,"endTime":435.84999800000014,"body":"are"},{"speaker":"Treichel","startTime":435.84999900000014,"endTime":436.56999900000017,"body":"established"},{"speaker":"Treichel","startTime":436.70999800000016,"endTime":436.8699980000001,"body":"or"},{"speaker":"Treichel","startTime":436.8699980000001,"endTime":437.37999800000017,"body":"loans"},{"speaker":"Treichel","startTime":437.37999900000017,"endTime":437.5599990000002,"body":"are"},{"speaker":"Treichel","startTime":437.5599990000002,"endTime":438.0599990000002,"body":"made."},{"speaker":"Treichel","startTime":438.1300990000001,"endTime":439.2098990000001,"body":"But"},{"speaker":"Treichel","startTime":439.2099990000001,"endTime":439.2699990000001,"body":"are"},{"speaker":"Treichel","startTime":439.2699990000001,"endTime":439.47999900000013,"body":"not"},{"speaker":"Treichel","startTime":439.47999900000013,"endTime":440.03999900000014,"body":"included"},{"speaker":"Treichel","startTime":440.5599990000001,"endTime":440.6999990000001,"body":"now,"},{"speaker":"Treichel","startTime":440.6999990000001,"endTime":440.8099990000001,"body":"how"},{"speaker":"Treichel","startTime":440.8099990000001,"endTime":440.8899990000001,"body":"do"},{"speaker":"Treichel","startTime":440.8899990000001,"endTime":440.97999900000013,"body":"you"},{"speaker":"Treichel","startTime":440.97999900000013,"endTime":441.28999900000014,"body":"find"},{"speaker":"Treichel","startTime":441.2999990000001,"endTime":441.5499990000001,"body":"that"},{"speaker":"Treichel","startTime":441.5499990000001,"endTime":441.85999900000013,"body":"out?"},{"speaker":"Treichel","startTime":442.3799990000001,"endTime":442.59999900000014,"body":"Some"},{"speaker":"Treichel","startTime":442.59999900000014,"endTime":442.6899990000001,"body":"of"},{"speaker":"Treichel","startTime":442.6899990000001,"endTime":442.7699990000001,"body":"the"},{"speaker":"Treichel","startTime":442.7699990000001,"endTime":443.4899990000001,"body":"resources"},{"speaker":"Treichel","startTime":443.4899990000001,"endTime":443.65999900000014,"body":"that"},{"speaker":"Treichel","startTime":443.65999900000014,"endTime":443.90999900000014,"body":"I'm"},{"speaker":"Treichel","startTime":444.14999900000015,"endTime":444.27999900000015,"body":"going"},{"speaker":"Treichel","startTime":444.27999900000015,"endTime":444.35999900000013,"body":"to"},{"speaker":"Treichel","startTime":444.35999900000013,"endTime":444.65999900000014,"body":"point"},{"speaker":"Treichel","startTime":444.65999900000014,"endTime":444.7399990000001,"body":"you"},{"speaker":"Treichel","startTime":444.7399990000001,"endTime":445.02999900000015,"body":"to,"},{"speaker":"Treichel","startTime":445.02999900000015,"endTime":445.1799990000001,"body":"and"},{"speaker":"Treichel","startTime":445.1799990000001,"endTime":445.33999900000015,"body":"that,"},{"speaker":"Treichel","startTime":445.40999900000014,"endTime":445.6199990000001,"body":"as"},{"speaker":"Treichel","startTime":445.6199990000001,"endTime":445.8899990000001,"body":"Mark"},{"speaker":"Treichel","startTime":445.8899990000001,"endTime":446.09999900000014,"body":"said,"},{"speaker":"Treichel","startTime":446.09999900000014,"endTime":446.2599990000001,"body":"you'll"},{"speaker":"Treichel","startTime":446.2599990000001,"endTime":446.71999900000014,"body":"have"},{"speaker":"Treichel","startTime":446.95999900000015,"endTime":447.1999990000001,"body":"made"},{"speaker":"Treichel","startTime":447.1999990000001,"endTime":447.7399990000001,"body":"available"},{"speaker":"Treichel","startTime":447.7399990000001,"endTime":447.9399990000001,"body":"to"},{"speaker":"Treichel","startTime":447.9399990000001,"endTime":448.3099990000001,"body":"you"},{"speaker":"Treichel","startTime":448.6299980000001,"endTime":448.90999800000014,"body":"after"},{"speaker":"Treichel","startTime":448.90999900000014,"endTime":449.02999900000015,"body":"you"},{"speaker":"Treichel","startTime":449.02999900000015,"endTime":449.28999900000014,"body":"listen"},{"speaker":"Treichel","startTime":449.28999900000014,"endTime":449.3799985000001,"body":"to"},{"speaker":"Treichel","startTime":449.3799985000001,"endTime":449.6199980000001,"body":"this."},{"speaker":"Treichel","startTime":450.1799990000001,"endTime":450.3799985000001,"body":"They"},{"speaker":"Treichel","startTime":450.3799985000001,"endTime":450.59999800000014,"body":"tell"},{"speaker":"Treichel","startTime":450.59999900000014,"endTime":450.97999900000013,"body":"you"},{"speaker":"Treichel","startTime":451.10999900000013,"endTime":451.41999850000013,"body":"how"},{"speaker":"Treichel","startTime":451.41999850000013,"endTime":451.4999980000001,"body":"to"},{"speaker":"Treichel","startTime":451.4999980000001,"endTime":452.3899980000001,"body":"determine."},{"speaker":"Treichel","startTime":452.8049990000001,"endTime":453.40499900000015,"body":"If"},{"speaker":"Treichel","startTime":453.51499900000016,"endTime":453.65499900000015,"body":"the"},{"speaker":"Treichel","startTime":453.65499900000015,"endTime":453.9349990000001,"body":"credit"},{"speaker":"Treichel","startTime":453.94499900000017,"endTime":454.25499900000017,"body":"union"},{"speaker":"Treichel","startTime":454.25499900000017,"endTime":454.38499900000016,"body":"is"},{"speaker":"Treichel","startTime":454.38499900000016,"endTime":454.52499900000015,"body":"in"},{"speaker":"Treichel","startTime":454.52499900000015,"endTime":454.65499900000015,"body":"a"},{"speaker":"Treichel","startTime":454.6849990000001,"endTime":455.3749990000001,"body":"metropolitan"},{"speaker":"Treichel","startTime":455.3749990000001,"endTime":456.13499900000016,"body":"statistical"},{"speaker":"Treichel","startTime":456.13499900000016,"endTime":456.58499900000015,"body":"area."},{"speaker":"Treichel","startTime":456.8749990000001,"endTime":457.26499900000016,"body":"So,"},{"speaker":"Treichel","startTime":457.47499900000014,"endTime":458.00499900000017,"body":"again,"},{"speaker":"Treichel","startTime":458.20499900000016,"endTime":458.3049990000001,"body":"the"},{"speaker":"Treichel","startTime":458.3049990000001,"endTime":458.53499900000014,"body":"credit"},{"speaker":"Treichel","startTime":458.54499900000013,"endTime":458.8049990000001,"body":"union"},{"speaker":"Treichel","startTime":458.8049990000001,"endTime":459.01499900000016,"body":"meets"},{"speaker":"Treichel","startTime":459.04499900000013,"endTime":459.2649490000001,"body":"these"},{"speaker":"Treichel","startTime":459.2649490000001,"endTime":459.26504900000015,"body":"1st,"},{"speaker":"Treichel","startTime":459.26504900000015,"endTime":459.69499900000017,"body":"2"},{"speaker":"Treichel","startTime":459.70499900000016,"endTime":460.5649990000001,"body":"criteria,"},{"speaker":"Treichel","startTime":460.9249990000001,"endTime":461.0649985000002,"body":"you"},{"speaker":"Treichel","startTime":461.0649985000002,"endTime":461.28499800000014,"body":"move"},{"speaker":"Treichel","startTime":461.28499900000014,"endTime":461.47499900000014,"body":"on"},{"speaker":"Treichel","startTime":461.47499900000014,"endTime":461.59499900000014,"body":"to"},{"speaker":"Treichel","startTime":461.59499900000014,"endTime":461.7449990000001,"body":"the"},{"speaker":"Treichel","startTime":461.7449990000001,"endTime":462.0649985000002,"body":"3rd"},{"speaker":"Treichel","startTime":462.0649985000002,"endTime":462.51499800000016,"body":"prong"},{"speaker":"Treichel","startTime":462.51499900000016,"endTime":462.60499850000014,"body":"of"},{"speaker":"Treichel","startTime":462.60499850000014,"endTime":462.84499800000015,"body":"this,"},{"speaker":"Treichel","startTime":462.84499900000014,"endTime":463.0549990000001,"body":"which"},{"speaker":"Treichel","startTime":463.0549990000001,"endTime":463.3049990000001,"body":"is"},{"speaker":"Treichel","startTime":463.47499900000014,"endTime":463.8749990000002,"body":"loan"},{"speaker":"Treichel","startTime":463.8749990000002,"endTime":464.53499900000014,"body":"activity"},{"speaker":"Treichel","startTime":464.53499900000014,"endTime":465.07499900000016,"body":"test."},{"speaker":"Treichel","startTime":465.6849990000001,"endTime":466.01499900000016,"body":"So,"},{"speaker":"Treichel","startTime":466.04499900000013,"endTime":466.23499850000013,"body":"if"},{"speaker":"Treichel","startTime":466.23499850000013,"endTime":466.33499800000016,"body":"the"},{"speaker":"Treichel","startTime":466.33499900000015,"endTime":466.70499900000016,"body":"credit"},{"speaker":"Treichel","startTime":466.71499900000015,"endTime":467.1749990000001,"body":"union"},{"speaker":"Treichel","startTime":467.1749990000001,"endTime":468.0549990000001,"body":"originated"},{"speaker":"Treichel","startTime":468.07499900000016,"endTime":468.27499900000015,"body":"at"},{"speaker":"Treichel","startTime":468.3149980000001,"endTime":468.92499800000013,"body":"least."},{"speaker":"Treichel","startTime":469.60499900000013,"endTime":470.01499900000016,"body":"1"},{"speaker":"Treichel","startTime":470.01499900000016,"endTime":470.32499850000016,"body":"home"},{"speaker":"Treichel","startTime":470.32499850000016,"endTime":470.85499800000014,"body":"purchase"},{"speaker":"Treichel","startTime":470.85499900000013,"endTime":471.27499900000015,"body":"loan,"},{"speaker":"Treichel","startTime":471.46500000000015,"endTime":471.58499900000015,"body":"and"},{"speaker":"Treichel","startTime":471.58499900000015,"endTime":471.79499800000013,"body":"that's"},{"speaker":"Treichel","startTime":471.97499800000014,"endTime":472.8149980000002,"body":"excluding"},{"speaker":"Treichel","startTime":472.8149980000002,"endTime":473.32499800000016,"body":"temporary"},{"speaker":"Treichel","startTime":473.32499800000016,"endTime":473.95499800000016,"body":"financing,"},{"speaker":"Treichel","startTime":473.96499800000015,"endTime":474.1249980000002,"body":"like"},{"speaker":"Treichel","startTime":474.1249980000002,"endTime":474.33499800000016,"body":"a"},{"speaker":"Treichel","startTime":474.39499800000016,"endTime":474.97499800000014,"body":"construction"},{"speaker":"Treichel","startTime":474.97499800000014,"endTime":475.10499800000014,"body":"loan"},{"speaker":"Treichel","startTime":475.1249980000002,"endTime":475.27499800000015,"body":"that"},{"speaker":"Treichel","startTime":475.27499800000015,"endTime":475.53499800000014,"body":"doesn't"},{"speaker":"Treichel","startTime":475.53499800000014,"endTime":475.83499800000016,"body":"count."},{"speaker":"Treichel","startTime":475.83499800000016,"endTime":476.10499800000014,"body":"So"},{"speaker":"Treichel","startTime":476.18509800000015,"endTime":476.2048990000001,"body":"it's"},{"speaker":"Treichel","startTime":476.20499900000016,"endTime":477.0049990000001,"body":"1"},{"speaker":"Treichel","startTime":477.0049990000001,"endTime":477.27499900000015,"body":"home"},{"speaker":"Treichel","startTime":477.27499900000015,"endTime":477.76499900000016,"body":"purchase"},{"speaker":"Treichel","startTime":477.76499900000016,"endTime":478.2449990000001,"body":"loan"},{"speaker":"Treichel","startTime":478.41499900000014,"endTime":478.9949990000001,"body":"or"},{"speaker":"Treichel","startTime":479.0049990000001,"endTime":479.9249990000001,"body":"refinanced."},{"speaker":"Treichel","startTime":480.5249990000001,"endTime":480.6449990000001,"body":"A"},{"speaker":"Treichel","startTime":480.6449990000001,"endTime":480.8849990000001,"body":"home"},{"speaker":"Treichel","startTime":480.8849990000001,"endTime":481.3449990000001,"body":"purchase"},{"speaker":"Treichel","startTime":481.3449990000001,"endTime":481.7949990000001,"body":"loan"},{"speaker":"Treichel","startTime":482.46499900000015,"endTime":483.00499900000017,"body":"secured"},{"speaker":"Treichel","startTime":483.00499900000017,"endTime":483.19499900000017,"body":"by"},{"speaker":"Treichel","startTime":483.19499900000017,"endTime":483.27499900000015,"body":"a"},{"speaker":"Treichel","startTime":483.27499900000015,"endTime":483.73499900000013,"body":"1st,"},{"speaker":"Treichel","startTime":483.7449990000002,"endTime":484.28499900000014,"body":"lean"},{"speaker":"Treichel","startTime":484.29499900000013,"endTime":484.51499900000016,"body":"on"},{"speaker":"Treichel","startTime":484.51499900000016,"endTime":484.59494900000016,"body":"a"},{"speaker":"Treichel","startTime":484.59494900000016,"endTime":484.59499900000014,"body":"1"},{"speaker":"Treichel","startTime":484.59499900000014,"endTime":484.59504900000013,"body":"to"},{"speaker":"Treichel","startTime":484.59504900000013,"endTime":485.34499900000014,"body":"4"},{"speaker":"Treichel","startTime":485.34499900000014,"endTime":485.76499900000016,"body":"unit"},{"speaker":"Treichel","startTime":485.77499900000015,"endTime":486.41499900000014,"body":"dwelling"},{"speaker":"Treichel","startTime":486.4949990000002,"endTime":486.95499900000016,"body":"during"},{"speaker":"Treichel","startTime":486.95499900000016,"endTime":488.16499900000014,"body":"2021."},{"speaker":"Treichel","startTime":488.7049990000001,"endTime":488.8749990000001,"body":"And"},{"speaker":"Treichel","startTime":488.8749990000001,"endTime":489.0349990000001,"body":"then"},{"speaker":"Treichel","startTime":489.0349990000001,"endTime":489.6149990000001,"body":"finally,"},{"speaker":"Treichel","startTime":489.6149990000001,"endTime":489.7449990000001,"body":"if"},{"speaker":"Treichel","startTime":489.7549980000001,"endTime":489.8649980000001,"body":"you"},{"speaker":"Treichel","startTime":489.8649990000001,"endTime":490.0449990000001,"body":"meet"},{"speaker":"Treichel","startTime":490.04499900000013,"endTime":490.2149985000001,"body":"all"},{"speaker":"Treichel","startTime":490.2149985000001,"endTime":490.4649980000001,"body":"3"},{"speaker":"Treichel","startTime":490.4649980000001,"endTime":490.5449980000001,"body":"of"},{"speaker":"Treichel","startTime":490.5449980000001,"endTime":490.9449980000001,"body":"those"},{"speaker":"Treichel","startTime":491.2649990000001,"endTime":492.1049990000001,"body":"requirements,"},{"speaker":"Treichel","startTime":492.2149980000001,"endTime":492.3349980000001,"body":"the"},{"speaker":"Treichel","startTime":492.3349980000001,"endTime":492.6049980000001,"body":"last"},{"speaker":"Treichel","startTime":492.6049990000001,"endTime":492.7749990000001,"body":"1"},{"speaker":"Treichel","startTime":492.7849990000001,"endTime":492.9049990000001,"body":"is"},{"speaker":"Treichel","startTime":492.9349990000001,"endTime":493.1249990000001,"body":"the"},{"speaker":"Treichel","startTime":493.1249990000001,"endTime":493.6849990000001,"body":"loan"},{"speaker":"Treichel","startTime":493.7049990000001,"endTime":494.3349990000001,"body":"volume"},{"speaker":"Treichel","startTime":494.3549990000001,"endTime":495.1249990000001,"body":"threshold."},{"speaker":"Treichel","startTime":495.3849980000001,"endTime":495.8349980000001,"body":"So,"},{"speaker":"Treichel","startTime":495.9749990000001,"endTime":496.1549990000001,"body":"if"},{"speaker":"Treichel","startTime":496.1549990000001,"endTime":496.2549985000001,"body":"the"},{"speaker":"Treichel","startTime":496.2549985000001,"endTime":496.5849980000001,"body":"credit"},{"speaker":"Treichel","startTime":496.5949990000001,"endTime":496.9749990000001,"body":"union"},{"speaker":"Treichel","startTime":496.9749990000001,"endTime":497.7949990000001,"body":"originated"},{"speaker":"Treichel","startTime":497.8349990000001,"endTime":498.0749990000001,"body":"at"},{"speaker":"Treichel","startTime":498.0849990000001,"endTime":498.6449990000001,"body":"least."},{"speaker":"Treichel","startTime":499.3249990000001,"endTime":499.98499900000013,"body":"100"},{"speaker":"Treichel","startTime":500.6149990000001,"endTime":501.1349990000001,"body":"covered"},{"speaker":"Treichel","startTime":501.1949990000001,"endTime":501.6949990000001,"body":"closed"},{"speaker":"Treichel","startTime":501.6949990000001,"endTime":501.8849990000001,"body":"and"},{"speaker":"Treichel","startTime":501.8949990000001,"endTime":502.3749990000001,"body":"mortgage"},{"speaker":"Treichel","startTime":502.3749990000001,"endTime":502.8649990000001,"body":"loans"},{"speaker":"Treichel","startTime":503.0649990000001,"endTime":503.2649990000001,"body":"in"},{"speaker":"Treichel","startTime":503.3349990000001,"endTime":503.6349990000001,"body":"each"},{"speaker":"Treichel","startTime":503.6349990000001,"endTime":503.8049990000001,"body":"of"},{"speaker":"Treichel","startTime":503.8049990000001,"endTime":503.9349990000001,"body":"the"},{"speaker":"Treichel","startTime":503.9449990000001,"endTime":503.9549990000001,"body":"2."},{"speaker":"Treichel","startTime":504.7449990000001,"endTime":505.28499900000014,"body":"Proceeding"},{"speaker":"Treichel","startTime":505.28499900000014,"endTime":505.8449990000001,"body":"calendar"},{"speaker":"Treichel","startTime":505.8449990000001,"endTime":506.2649990000001,"body":"years."},{"speaker":"Treichel","startTime":506.7449990000001,"endTime":506.9349990000001,"body":"And"},{"speaker":"Treichel","startTime":506.9349990000001,"endTime":507.10499900000013,"body":"those"},{"speaker":"Treichel","startTime":507.10499900000013,"endTime":507.16499900000014,"body":"would"},{"speaker":"Treichel","startTime":507.1749990000001,"endTime":507.34494900000016,"body":"be"},{"speaker":"Treichel","startTime":507.34494900000016,"endTime":507.34499900000014,"body":"20"},{"speaker":"Treichel","startTime":507.34499900000014,"endTime":507.34504900000013,"body":"and"},{"speaker":"Treichel","startTime":507.34504900000013,"endTime":507.75499900000017,"body":"2020"},{"speaker":"Treichel","startTime":507.75509900000014,"endTime":508.09489900000017,"body":"and"},{"speaker":"Treichel","startTime":508.09499900000014,"endTime":509.50499900000017,"body":"2021"},{"speaker":"Treichel","startTime":510.3549990000002,"endTime":511.0449990000002,"body":"or"},{"speaker":"Treichel","startTime":511.08499900000015,"endTime":511.32499900000016,"body":"at"},{"speaker":"Treichel","startTime":511.33499900000015,"endTime":511.6049990000002,"body":"least"},{"speaker":"Treichel","startTime":511.8549990000002,"endTime":512.3749990000001,"body":"200"},{"speaker":"Treichel","startTime":512.4049990000002,"endTime":513.0649990000002,"body":"covered"},{"speaker":"Treichel","startTime":513.3249990000002,"endTime":513.7849990000002,"body":"open"},{"speaker":"Treichel","startTime":513.7849990000002,"endTime":514.0749990000002,"body":"end"},{"speaker":"Treichel","startTime":514.0749990000002,"endTime":514.4049990000002,"body":"lines"},{"speaker":"Treichel","startTime":514.4049990000002,"endTime":514.5849990000002,"body":"of"},{"speaker":"Treichel","startTime":514.5849990000002,"endTime":515.0849990000002,"body":"credit"},{"speaker":"Treichel","startTime":515.4349990000002,"endTime":515.6249990000001,"body":"that"},{"speaker":"Treichel","startTime":515.6249990000001,"endTime":515.7049990000002,"body":"are"},{"speaker":"Treichel","startTime":515.7049990000002,"endTime":515.9649990000001,"body":"home"},{"speaker":"Treichel","startTime":515.9649990000001,"endTime":516.2949990000002,"body":"equity"},{"speaker":"Treichel","startTime":516.2949990000002,"endTime":516.5949990000001,"body":"loans"},{"speaker":"Treichel","startTime":517.0149990000002,"endTime":517.3249985000002,"body":"again"},{"speaker":"Treichel","startTime":517.3249985000002,"endTime":517.4649980000002,"body":"in"},{"speaker":"Treichel","startTime":517.4649990000001,"endTime":517.6049990000001,"body":"each"},{"speaker":"Treichel","startTime":517.6049990000001,"endTime":517.7249990000001,"body":"of"},{"speaker":"Treichel","startTime":517.7249990000001,"endTime":517.8149990000002,"body":"the"},{"speaker":"Treichel","startTime":517.8149990000002,"endTime":517.9949990000002,"body":"2"},{"speaker":"Treichel","startTime":517.9949990000002,"endTime":518.4749990000001,"body":"preceding"},{"speaker":"Treichel","startTime":518.4749990000001,"endTime":518.9049985000001,"body":"calendar"},{"speaker":"Treichel","startTime":518.9049985000001,"endTime":519.3149980000002,"body":"years,"},{"speaker":"Treichel","startTime":519.4449980000002,"endTime":519.7449980000001,"body":"2020"},{"speaker":"Treichel","startTime":520.1849990000002,"endTime":520.3349990000002,"body":"or"},{"speaker":"Treichel","startTime":520.3749990000001,"endTime":521.0349990000002,"body":"2020"},{"speaker":"Treichel","startTime":521.0949990000001,"endTime":521.2649990000002,"body":"and"},{"speaker":"Treichel","startTime":521.2649990000002,"endTime":522.0249990000002,"body":"2021."},{"speaker":"Treichel","startTime":522.0549990000002,"endTime":522.3249985000002,"body":"Excuse"},{"speaker":"Treichel","startTime":522.3249985000002,"endTime":522.5049980000001,"body":"me."},{"speaker":"Treichel","startTime":522.8449990000001,"endTime":523.2349990000001,"body":"So"},{"speaker":"Treichel","startTime":523.2949990000002,"endTime":523.3849990000001,"body":"if"},{"speaker":"Treichel","startTime":523.3849990000001,"endTime":523.4749990000001,"body":"you"},{"speaker":"Treichel","startTime":523.4749990000001,"endTime":523.6549990000001,"body":"meet"},{"speaker":"Treichel","startTime":523.6549990000001,"endTime":523.8349990000002,"body":"all"},{"speaker":"Treichel","startTime":523.8349990000002,"endTime":524.0449990000002,"body":"four"},{"speaker":"Treichel","startTime":524.0449990000002,"endTime":524.1049990000001,"body":"of"},{"speaker":"Treichel","startTime":524.1049990000001,"endTime":524.3149990000002,"body":"those"},{"speaker":"Treichel","startTime":524.3149990000002,"endTime":525.3349990000002,"body":"criteria,"},{"speaker":"Treichel","startTime":525.5149990000002,"endTime":525.694999,"body":"you"},{"speaker":"Treichel","startTime":525.694999,"endTime":525.8149990000002,"body":"are"},{"speaker":"Treichel","startTime":525.8149990000002,"endTime":526.4149990000001,"body":"required"},{"speaker":"Treichel","startTime":526.4149990000001,"endTime":526.6549990000001,"body":"to"},{"speaker":"Treichel","startTime":526.6549990000001,"endTime":527.3149990000002,"body":"collect"},{"speaker":"Treichel","startTime":527.3149990000002,"endTime":527.5849990000002,"body":"and"},{"speaker":"Treichel","startTime":527.5849990000002,"endTime":528.1249990000001,"body":"submit"},{"speaker":"Treichel","startTime":528.5149990000002,"endTime":528.6649990000001,"body":"HUDA"},{"speaker":"Treichel","startTime":528.6649990000001,"endTime":529.2349990000001,"body":"data"},{"speaker":"Treichel","startTime":530.1749990000002,"endTime":530.4749990000001,"body":"for"},{"speaker":"Treichel","startTime":530.4749990000001,"endTime":531.4949990000002,"body":"2022."},{"speaker":"Treichel","startTime":532.4449990000002,"endTime":532.7149990000001,"body":"Question"},{"speaker":"Treichel","startTime":532.7149990000001,"endTime":532.8649990000001,"body":"is,"},{"speaker":"Treichel","startTime":532.8649990000001,"endTime":532.9849990000002,"body":"well,"},{"speaker":"Treichel","startTime":532.9849990000002,"endTime":533.3149990000002,"body":"so,"},{"speaker":"Treichel","startTime":533.3149990000002,"endTime":533.3159990000001,"body":"so"},{"speaker":"Treichel","startTime":533.8549990000001,"endTime":534.0649990000002,"body":"let"},{"speaker":"Treichel","startTime":534.0649990000002,"endTime":534.2449990000002,"body":"me,"},{"speaker":"Treichel","startTime":534.2449990000002,"endTime":534.4249990000002,"body":"let"},{"speaker":"Treichel","startTime":534.4249990000002,"endTime":534.5749990000002,"body":"me"},{"speaker":"Treichel","startTime":534.5749990000002,"endTime":534.7249990000001,"body":"Sure."},{"speaker":"Treichel","startTime":534.7849990000002,"endTime":534.9349990000002,"body":"Um,"},{"speaker":"Treichel","startTime":534.9349990000002,"endTime":535.1449990000001,"body":"kind"},{"speaker":"Treichel","startTime":535.1449990000001,"endTime":535.2949990000002,"body":"of"},{"speaker":"Treichel","startTime":535.6249990000001,"endTime":535.8949990000001,"body":"just"},{"speaker":"Treichel","startTime":535.8949990000001,"endTime":536.0749990000002,"body":"make"},{"speaker":"Treichel","startTime":536.0749990000002,"endTime":536.2549990000002,"body":"a"},{"speaker":"Treichel","startTime":536.3449990000001,"endTime":537.0349990000002,"body":"observational"},{"speaker":"Treichel","startTime":537.0349990000002,"endTime":537.3649990000001,"body":"comment"},{"speaker":"Treichel","startTime":537.3649990000001,"endTime":537.4549990000002,"body":"on"},{"speaker":"Treichel","startTime":537.4549990000002,"endTime":537.6049990000001,"body":"that."},{"speaker":"Treichel","startTime":537.6049990000001,"endTime":537.9049990000001,"body":"So"},{"speaker":"Treichel","startTime":538.3549990000001,"endTime":538.5049990000001,"body":"I"},{"speaker":"Treichel","startTime":538.5049990000001,"endTime":538.7149990000001,"body":"have"},{"speaker":"Treichel","startTime":538.7149990000001,"endTime":538.9549990000002,"body":"a,"},{"speaker":"Treichel","startTime":539.0449990000001,"endTime":539.1649990000001,"body":"a"},{"speaker":"Treichel","startTime":539.1649990000001,"endTime":539.7649990000001,"body":"relationship"},{"speaker":"Treichel","startTime":539.7649990000001,"endTime":539.8849990000001,"body":"with"},{"speaker":"Treichel","startTime":539.8849990000001,"endTime":539.9449990000002,"body":"a"},{"speaker":"Treichel","startTime":539.9449990000002,"endTime":540.7249990000001,"body":"QSO"},{"speaker":"Treichel","startTime":540.7849990000001,"endTime":541.0849990000002,"body":"that"},{"speaker":"Treichel","startTime":541.0849990000002,"endTime":541.4149990000001,"body":"helps"},{"speaker":"Treichel","startTime":541.6549990000001,"endTime":542.1949990000002,"body":"generate"},{"speaker":"Treichel","startTime":542.1949990000002,"endTime":542.7049990000002,"body":"loans."},{"speaker":"Treichel","startTime":542.7049990000002,"endTime":543.1249990000001,"body":"However,"},{"speaker":"Treichel","startTime":543.1249990000001,"endTime":543.2449990000001,"body":"the"},{"speaker":"Treichel","startTime":543.2449990000001,"endTime":543.5749990000002,"body":"credit"},{"speaker":"Treichel","startTime":543.5749990000002,"endTime":544.0849990000002,"body":"union,"},{"speaker":"Treichel","startTime":544.6249990000001,"endTime":544.8349990000002,"body":"as"},{"speaker":"Treichel","startTime":544.8349990000002,"endTime":545.1049990000001,"body":"part"},{"speaker":"Treichel","startTime":545.1049990000001,"endTime":545.1949990000002,"body":"of"},{"speaker":"Treichel","startTime":545.1949990000002,"endTime":545.4949990000001,"body":"that,"},{"speaker":"Treichel","startTime":545.4949990000001,"endTime":545.8549990000001,"body":"gives"},{"speaker":"Treichel","startTime":545.8549990000001,"endTime":546.0049990000001,"body":"the"},{"speaker":"Treichel","startTime":546.0049990000001,"endTime":546.8149990000002,"body":"qso,"},{"speaker":"Treichel","startTime":546.8449990000001,"endTime":546.9649990000001,"body":"you"},{"speaker":"Treichel","startTime":546.9649990000001,"endTime":547.2349990000001,"body":"know,"},{"speaker":"Treichel","startTime":547.2649990000001,"endTime":547.6849990000002,"body":"their."},{"speaker":"Treichel","startTime":547.8649990000001,"endTime":548.4649990000001,"body":"Matrix"},{"speaker":"Treichel","startTime":548.4649990000001,"endTime":548.5849990000002,"body":"on"},{"speaker":"Treichel","startTime":548.5849990000002,"endTime":548.7649990000001,"body":"how"},{"speaker":"Treichel","startTime":548.7649990000001,"endTime":548.9349990000002,"body":"they're"},{"speaker":"Treichel","startTime":548.9349990000002,"endTime":549.1049990000001,"body":"going"},{"speaker":"Treichel","startTime":549.1049990000001,"endTime":549.1949990000002,"body":"to"},{"speaker":"Treichel","startTime":549.1949990000002,"endTime":549.8349990000002,"body":"decide"},{"speaker":"Treichel","startTime":549.8649990000001,"endTime":549.9949990000001,"body":"the"},{"speaker":"Treichel","startTime":549.9949990000001,"endTime":550.3349990000002,"body":"credit"},{"speaker":"Treichel","startTime":550.3349990000002,"endTime":550.9149990000002,"body":"decision,"},{"speaker":"Treichel","startTime":551.3449990000001,"endTime":551.5249990000002,"body":"and"},{"speaker":"Treichel","startTime":551.5249990000002,"endTime":551.7649990000002,"body":"it's"},{"speaker":"Treichel","startTime":551.9749990000001,"endTime":552.1949990000002,"body":"it"},{"speaker":"Treichel","startTime":552.2049990000002,"endTime":552.4749990000001,"body":"fits"},{"speaker":"Treichel","startTime":552.5149990000002,"endTime":552.6249990000002,"body":"the"},{"speaker":"Treichel","startTime":552.6249990000002,"endTime":552.9349990000002,"body":"credit"},{"speaker":"Treichel","startTime":552.9449990000002,"endTime":553.2849990000002,"body":"unions"},{"speaker":"Treichel","startTime":553.2849990000002,"endTime":554.0249990000002,"body":"policy"},{"speaker":"Treichel","startTime":554.7849990000002,"endTime":555.0449990000001,"body":"under"},{"speaker":"Treichel","startTime":555.0449990000001,"endTime":555.3149990000001,"body":"that"},{"speaker":"Treichel","startTime":555.3849990000001,"endTime":556.1549990000001,"body":"scenario."},{"speaker":"Treichel","startTime":556.1849990000001,"endTime":556.3349990000002,"body":"It"},{"speaker":"Treichel","startTime":556.3349990000002,"endTime":556.4949985000001,"body":"would"},{"speaker":"Treichel","startTime":556.4949985000001,"endTime":556.5949980000001,"body":"be"},{"speaker":"Treichel","startTime":556.5949990000001,"endTime":556.6949990000002,"body":"the"},{"speaker":"Treichel","startTime":556.6949990000002,"endTime":556.9949985000001,"body":"credit"},{"speaker":"Treichel","startTime":556.9949985000001,"endTime":557.3149980000001,"body":"union"},{"speaker":"Treichel","startTime":557.3149990000001,"endTime":557.6549990000001,"body":"who"},{"speaker":"Treichel","startTime":557.7049980000002,"endTime":558.1149980000001,"body":"would"},{"speaker":"Treichel","startTime":558.5449990000002,"endTime":558.9449990000002,"body":"submit"},{"speaker":"Treichel","startTime":558.9449990000002,"endTime":559.1649990000002,"body":"it"},{"speaker":"Treichel","startTime":559.2749990000002,"endTime":559.6849990000002,"body":"because"},{"speaker":"Treichel","startTime":559.6949990000002,"endTime":559.9849990000001,"body":"again,"},{"speaker":"Treichel","startTime":559.9849990000001,"endTime":560.1349990000001,"body":"they're"},{"speaker":"Treichel","startTime":560.1349990000001,"endTime":560.4249990000002,"body":"making"},{"speaker":"Treichel","startTime":560.4249990000002,"endTime":560.5049990000001,"body":"the"},{"speaker":"Treichel","startTime":560.5049990000001,"endTime":560.8149990000002,"body":"credit"},{"speaker":"Treichel","startTime":560.8549990000001,"endTime":561.3549990000001,"body":"decision."},{"speaker":"Treichel","startTime":561.4149990000002,"endTime":561.6149985000002,"body":"That's"},{"speaker":"Treichel","startTime":561.6149985000002,"endTime":561.9549980000002,"body":"interesting."},{"speaker":"Treichel","startTime":562.2149990000001,"endTime":562.2749990000002,"body":"I"},{"speaker":"Treichel","startTime":562.2749990000002,"endTime":562.3549990000001,"body":"didn't"},{"speaker":"Treichel","startTime":562.3649980000001,"endTime":562.7149980000002,"body":"realize"},{"speaker":"Treichel","startTime":562.7149990000001,"endTime":562.9649990000001,"body":"that."},{"speaker":"Treichel","startTime":563.4949990000001,"endTime":563.7349990000001,"body":"Yeah,"},{"speaker":"Treichel","startTime":563.7349990000001,"endTime":563.9749990000001,"body":"there's"},{"speaker":"Treichel","startTime":563.9949990000001,"endTime":564.1849990000001,"body":"some"},{"speaker":"Treichel","startTime":564.4249980000001,"endTime":564.7849980000001,"body":"cities"},{"speaker":"Treichel","startTime":564.8149990000001,"endTime":564.9349985000001,"body":"to"},{"speaker":"Treichel","startTime":564.9349985000001,"endTime":565.324998,"body":"that,"},{"speaker":"Treichel","startTime":565.3349990000002,"endTime":565.6149985000001,"body":"such"},{"speaker":"Treichel","startTime":565.6149985000001,"endTime":565.8449980000001,"body":"as"},{"speaker":"Treichel","startTime":565.8449990000001,"endTime":566.0149990000001,"body":"if"},{"speaker":"Treichel","startTime":566.0150000000001,"endTime":566.1450000000001,"body":"the"},{"speaker":"Treichel","startTime":566.1549990000001,"endTime":566.4249990000001,"body":"credit"},{"speaker":"Treichel","startTime":566.4349980000001,"endTime":566.7349980000001,"body":"union"},{"speaker":"Treichel","startTime":566.7350980000001,"endTime":567.3648990000002,"body":"does."},{"speaker":"Treichel","startTime":567.5049990000001,"endTime":567.7149990000001,"body":"Give"},{"speaker":"Treichel","startTime":567.7149990000001,"endTime":567.9049990000001,"body":"up"},{"speaker":"Treichel","startTime":567.9049990000001,"endTime":568.1149990000001,"body":"its"},{"speaker":"Treichel","startTime":568.1149990000001,"endTime":568.4049990000001,"body":"right"},{"speaker":"Treichel","startTime":568.4549990000002,"endTime":568.9949990000001,"body":"to"},{"speaker":"Treichel","startTime":569.1049990000001,"endTime":569.9449990000002,"body":"refuse."},{"speaker":"Treichel","startTime":570.6449990000001,"endTime":570.8449990000001,"body":"It"},{"speaker":"Treichel","startTime":570.8449990000001,"endTime":571.0449990000001,"body":"may"},{"speaker":"Treichel","startTime":571.0449990000001,"endTime":571.5949990000001,"body":"be"},{"speaker":"Treichel","startTime":571.7349990000001,"endTime":572.2149990000001,"body":"relying"},{"speaker":"Treichel","startTime":572.2149990000001,"endTime":572.2949990000001,"body":"on"},{"speaker":"Treichel","startTime":572.2949990000001,"endTime":572.3949990000001,"body":"the"},{"speaker":"Treichel","startTime":572.3949990000001,"endTime":572.7749990000001,"body":"QC."},{"speaker":"Treichel","startTime":572.7750990000001,"endTime":573.2250323333334,"body":"The"},{"speaker":"Treichel","startTime":573.2250323333334,"endTime":573.6749656666667,"body":"QC"},{"speaker":"Treichel","startTime":573.6749656666668,"endTime":574.1248990000001,"body":"may"},{"speaker":"Treichel","startTime":574.1249990000001,"endTime":574.2649990000001,"body":"be"},{"speaker":"Treichel","startTime":574.2649990000001,"endTime":574.3649990000001,"body":"the"},{"speaker":"Treichel","startTime":574.3649990000001,"endTime":574.6449990000001,"body":"one."},{"speaker":"Treichel","startTime":574.6449990000001,"endTime":574.7149990000001,"body":"I"},{"speaker":"Treichel","startTime":574.7149990000001,"endTime":574.7449990000001,"body":"mean,"},{"speaker":"Treichel","startTime":574.7449990000001,"endTime":574.9449990000002,"body":"it's"},{"speaker":"Treichel","startTime":574.9449990000002,"endTime":575.1649990000001,"body":"not,"},{"speaker":"Treichel","startTime":575.3149990000002,"endTime":575.5449990000001,"body":"it's"},{"speaker":"Treichel","startTime":575.5449990000001,"endTime":575.7649990000001,"body":"not"},{"speaker":"Treichel","startTime":575.7649990000001,"endTime":575.9649990000001,"body":"an"},{"speaker":"Treichel","startTime":576.0249990000001,"endTime":576.4149990000001,"body":"easy"},{"speaker":"Treichel","startTime":576.4149990000001,"endTime":576.7049990000002,"body":"thing"},{"speaker":"Treichel","startTime":576.7249990000001,"endTime":576.8449985000001,"body":"to"},{"speaker":"Treichel","startTime":576.8449985000001,"endTime":577.5149980000001,"body":"characterize"},{"speaker":"Treichel","startTime":577.5349990000001,"endTime":578.0849990000002,"body":"because"},{"speaker":"Treichel","startTime":578.3749990000001,"endTime":578.8749990000001,"body":"again,"},{"speaker":"Treichel","startTime":578.8750990000001,"endTime":579.1848990000001,"body":"a"},{"speaker":"Treichel","startTime":579.1849990000002,"endTime":579.4749990000001,"body":"lot"},{"speaker":"Treichel","startTime":579.4749990000001,"endTime":579.5649990000002,"body":"of"},{"speaker":"Treichel","startTime":579.5649990000002,"endTime":579.7649990000001,"body":"little"},{"speaker":"Treichel","startTime":579.7649990000001,"endTime":580.4049990000001,"body":"details"},{"speaker":"Treichel","startTime":580.4149990000001,"endTime":580.6249990000001,"body":"that"},{"speaker":"Treichel","startTime":580.6549990000001,"endTime":580.7849990000001,"body":"you"},{"speaker":"Treichel","startTime":580.7849990000001,"endTime":580.9949990000001,"body":"have"},{"speaker":"Treichel","startTime":580.9949990000001,"endTime":581.0849990000002,"body":"to"},{"speaker":"Treichel","startTime":581.0849990000002,"endTime":581.3149990000002,"body":"look"},{"speaker":"Treichel","startTime":581.3149990000002,"endTime":581.4749990000001,"body":"at"},{"speaker":"Treichel","startTime":581.4849990000001,"endTime":581.5949985000001,"body":"to"},{"speaker":"Treichel","startTime":581.5949985000001,"endTime":581.7749980000001,"body":"make"},{"speaker":"Treichel","startTime":581.7749990000001,"endTime":582.0049985000002,"body":"sure"},{"speaker":"Treichel","startTime":582.0049985000002,"endTime":582.2549980000001,"body":"you're"},{"speaker":"Treichel","startTime":582.3749990000001,"endTime":582.5849990000002,"body":"in"},{"speaker":"Treichel","startTime":582.6349980000001,"endTime":583.3649980000001,"body":"compliance."},{"speaker":"Treichel","startTime":583.4649980000002,"endTime":583.6149980000001,"body":"It"},{"speaker":"Treichel","startTime":583.6149990000001,"endTime":583.8849985000002,"body":"comes"},{"speaker":"Treichel","startTime":583.8849985000002,"endTime":584.1149980000001,"body":"down"},{"speaker":"Treichel","startTime":584.1649990000001,"endTime":584.1849990000002,"body":"to"},{"speaker":"Treichel","startTime":584.1850000000002,"endTime":584.3849990000001,"body":"that."},{"speaker":"Treichel","startTime":584.3849990000001,"endTime":584.5849980000002,"body":"It"},{"speaker":"Treichel","startTime":584.8049980000001,"endTime":585.0449980000001,"body":"comes"},{"speaker":"Treichel","startTime":585.0449980000001,"endTime":585.2349980000001,"body":"down"},{"speaker":"Treichel","startTime":585.2349990000001,"endTime":585.3149990000002,"body":"to"},{"speaker":"Treichel","startTime":585.3149990000002,"endTime":585.5749990000002,"body":"that"},{"speaker":"Treichel","startTime":585.5849990000002,"endTime":586.2249990000001,"body":"important"},{"speaker":"Treichel","startTime":586.2349990000001,"endTime":586.6249985000002,"body":"legal"},{"speaker":"Treichel","startTime":586.6249985000002,"endTime":587.0149980000001,"body":"word."},{"speaker":"Treichel","startTime":587.0549980000001,"endTime":587.3049980000001,"body":"Well,"},{"speaker":"Treichel","startTime":587.4449980000002,"endTime":587.4649980000002,"body":"it"},{"speaker":"Treichel","startTime":587.4649980000002,"endTime":588.0049980000001,"body":"depends,"},{"speaker":"Treichel","startTime":588.0049980000001,"endTime":588.2649980000001,"body":"right?"},{"speaker":"Treichel","startTime":588.3049980000001,"endTime":588.5649980000002,"body":"Yeah."},{"speaker":"Treichel","startTime":588.5649980000002,"endTime":588.5849980000002,"body":"So"},{"speaker":"Treichel","startTime":588.8149980000002,"endTime":588.8349980000002,"body":"it"},{"speaker":"Treichel","startTime":588.8349980000002,"endTime":589.1549980000001,"body":"depends"},{"speaker":"Treichel","startTime":589.1549980000001,"endTime":589.2349980000001,"body":"on"},{"speaker":"Treichel","startTime":589.4849990000001,"endTime":589.6049990000001,"body":"the"},{"speaker":"Treichel","startTime":589.6049990000001,"endTime":589.9949990000001,"body":"facts"},{"speaker":"Treichel","startTime":589.9949990000001,"endTime":590.1649990000001,"body":"of"},{"speaker":"Treichel","startTime":590.1649990000001,"endTime":590.3249990000002,"body":"each"},{"speaker":"Treichel","startTime":590.3349990000002,"endTime":590.9249990000001,"body":"situation."},{"speaker":"Treichel","startTime":590.9249990000001,"endTime":591.1349990000001,"body":"Got"},{"speaker":"Treichel","startTime":591.1349990000001,"endTime":591.2349990000001,"body":"it."},{"speaker":"Treichel","startTime":591.2349990000001,"endTime":591.5049990000001,"body":"Okay."},{"speaker":"Treichel","startTime":591.5049990000001,"endTime":591.6849990000001,"body":"That's"},{"speaker":"Treichel","startTime":591.6849990000002,"endTime":591.9849990000001,"body":"helpful"},{"speaker":"Treichel","startTime":591.9849990000001,"endTime":592.2149990000001,"body":"too."},{"speaker":"Treichel","startTime":592.6149990000001,"endTime":593.5349990000001,"body":"Exactly."},{"speaker":"Treichel","startTime":594.1349990000001,"endTime":594.4049990000002,"body":"All"},{"speaker":"Treichel","startTime":594.4049990000002,"endTime":594.6349990000001,"body":"right,"},{"speaker":"Treichel","startTime":594.6649990000002,"endTime":594.7849990000002,"body":"so"},{"speaker":"Treichel","startTime":594.7849990000002,"endTime":594.9049990000002,"body":"you"},{"speaker":"Treichel","startTime":594.9049990000002,"endTime":595.0249990000002,"body":"want"},{"speaker":"Treichel","startTime":595.0249990000002,"endTime":595.0649990000002,"body":"to"},{"speaker":"Treichel","startTime":595.0649990000002,"endTime":595.2349990000001,"body":"know"},{"speaker":"Treichel","startTime":595.2349990000001,"endTime":595.5149990000001,"body":"what"},{"speaker":"Treichel","startTime":595.5449990000002,"endTime":596.0549990000002,"body":"the,"},{"speaker":"Treichel","startTime":596.2649990000001,"endTime":596.5549990000002,"body":"what"},{"speaker":"Treichel","startTime":596.5549990000002,"endTime":596.7149990000001,"body":"is"},{"speaker":"Treichel","startTime":596.7149990000001,"endTime":596.8449990000001,"body":"the"},{"speaker":"Treichel","startTime":596.8449990000001,"endTime":597.2549990000001,"body":"data"},{"speaker":"Treichel","startTime":597.2549990000001,"endTime":597.4949990000001,"body":"that"},{"speaker":"Treichel","startTime":597.4949990000001,"endTime":597.5949990000001,"body":"the"},{"speaker":"Treichel","startTime":597.5949990000001,"endTime":597.8749990000001,"body":"credit"},{"speaker":"Treichel","startTime":597.9049990000002,"endTime":598.3949990000001,"body":"unions"},{"speaker":"Treichel","startTime":598.6549990000002,"endTime":598.8849990000001,"body":"need"},{"speaker":"Treichel","startTime":598.8849990000001,"endTime":598.9749990000001,"body":"to"},{"speaker":"Treichel","startTime":598.9749990000001,"endTime":599.4849990000001,"body":"collect"},{"speaker":"Treichel","startTime":599.5049990000001,"endTime":599.6849990000002,"body":"if"},{"speaker":"Treichel","startTime":599.6849990000002,"endTime":599.8249990000002,"body":"they"},{"speaker":"Treichel","startTime":599.8249990000002,"endTime":600.0449990000002,"body":"are"},{"speaker":"Treichel","startTime":600.0449990000002,"endTime":600.5649990000002,"body":"required"},{"speaker":"Treichel","startTime":600.5649990000002,"endTime":600.8149990000002,"body":"to."},{"speaker":"Treichel","startTime":601.1649990000002,"endTime":601.5149990000001,"body":"So,"},{"speaker":"Treichel","startTime":601.5549990000002,"endTime":601.8349990000002,"body":"it's"},{"speaker":"Treichel","startTime":601.8349990000002,"endTime":602.1649990000002,"body":"data"},{"speaker":"Treichel","startTime":602.1649990000002,"endTime":602.2949990000002,"body":"that"},{"speaker":"Treichel","startTime":602.2949990000002,"endTime":602.6149990000001,"body":"comes"},{"speaker":"Treichel","startTime":602.6149990000001,"endTime":602.8249990000002,"body":"from"},{"speaker":"Treichel","startTime":602.8649990000001,"endTime":603.9049990000002,"body":"applications"},{"speaker":"Treichel","startTime":603.9749980000001,"endTime":604.3749980000001,"body":"and"},{"speaker":"Treichel","startTime":604.3849990000001,"endTime":605.2049990000002,"body":"consummated"},{"speaker":"Treichel","startTime":605.2349990000001,"endTime":605.7249990000001,"body":"loans,"},{"speaker":"Treichel","startTime":606.2949990000002,"endTime":606.4449990000002,"body":"and"},{"speaker":"Treichel","startTime":606.4449990000002,"endTime":606.5749990000002,"body":"it's"},{"speaker":"Treichel","startTime":606.6849980000002,"endTime":607.1149980000001,"body":"data"},{"speaker":"Treichel","startTime":607.1149990000001,"endTime":607.3549990000001,"body":"that"},{"speaker":"Treichel","startTime":607.3549990000001,"endTime":607.9249990000002,"body":"includes"},{"speaker":"Treichel","startTime":607.9649990000001,"endTime":608.8249990000002,"body":"demographic"},{"speaker":"Treichel","startTime":608.8249990000002,"endTime":609.5949985000002,"body":"information"},{"speaker":"Treichel","startTime":609.5949985000002,"endTime":609.9649980000002,"body":"about"},{"speaker":"Treichel","startTime":609.9649980000002,"endTime":610.6449980000001,"body":"applicants"},{"speaker":"Treichel","startTime":610.6749990000002,"endTime":610.9849990000001,"body":"and"},{"speaker":"Treichel","startTime":611.0049990000001,"endTime":611.4849990000001,"body":"details"},{"speaker":"Treichel","startTime":611.4949990000001,"endTime":611.7349990000001,"body":"about"},{"speaker":"Treichel","startTime":611.7349990000001,"endTime":611.8049985000001,"body":"the"},{"speaker":"Treichel","startTime":611.8049985000001,"endTime":612.1549980000002,"body":"loans"},{"speaker":"Treichel","startTime":612.2549990000001,"endTime":612.6849990000002,"body":"themselves."},{"speaker":"Treichel","startTime":613.1249990000001,"endTime":613.2849990000002,"body":"I'm"},{"speaker":"Treichel","startTime":613.2849990000002,"endTime":613.4349990000002,"body":"not"},{"speaker":"Treichel","startTime":613.4349990000002,"endTime":613.5449990000002,"body":"going"},{"speaker":"Treichel","startTime":613.5449990000002,"endTime":613.6049990000001,"body":"to"},{"speaker":"Treichel","startTime":613.6049990000001,"endTime":613.7849990000002,"body":"get"},{"speaker":"Treichel","startTime":613.8149990000002,"endTime":614.1449990000002,"body":"into"},{"speaker":"Treichel","startTime":614.1449990000002,"endTime":614.4049990000002,"body":"what"},{"speaker":"Treichel","startTime":614.4049990000002,"endTime":614.5949990000001,"body":"they"},{"speaker":"Treichel","startTime":614.5949990000001,"endTime":614.9549990000002,"body":"are,"},{"speaker":"Treichel","startTime":614.9549990000002,"endTime":615.2749990000002,"body":"but"},{"speaker":"Treichel","startTime":615.2849990000002,"endTime":615.4949990000001,"body":"there"},{"speaker":"Treichel","startTime":615.4949990000001,"endTime":615.6849990000002,"body":"are"},{"speaker":"Treichel","startTime":616.4449990000002,"endTime":616.7549990000001,"body":"48"},{"speaker":"Treichel","startTime":616.9549990000002,"endTime":617.2949990000002,"body":"data"},{"speaker":"Treichel","startTime":617.2949990000002,"endTime":617.8049990000002,"body":"points"},{"speaker":"Treichel","startTime":618.1049990000001,"endTime":618.2949990000002,"body":"that"},{"speaker":"Treichel","startTime":618.2949990000002,"endTime":618.5249990000002,"body":"must"},{"speaker":"Treichel","startTime":618.5249990000002,"endTime":618.6949990000002,"body":"be"},{"speaker":"Treichel","startTime":618.6949990000002,"endTime":619.3749990000001,"body":"collected."},{"speaker":"Treichel","startTime":620.0249990000001,"endTime":620.4249990000002,"body":"And"},{"speaker":"Treichel","startTime":620.4349990000002,"endTime":620.6449990000001,"body":"of"},{"speaker":"Treichel","startTime":620.6449990000001,"endTime":620.9749990000001,"body":"course,"},{"speaker":"Treichel","startTime":620.9849990000001,"endTime":621.1749990000002,"body":"since"},{"speaker":"Treichel","startTime":621.3549990000001,"endTime":621.8049990000002,"body":"nothing"},{"speaker":"Treichel","startTime":621.8049990000002,"endTime":621.9949990000001,"body":"is"},{"speaker":"Treichel","startTime":621.9949990000001,"endTime":622.4249990000002,"body":"easy,"},{"speaker":"Treichel","startTime":622.4549990000002,"endTime":622.6549985000001,"body":"some"},{"speaker":"Treichel","startTime":622.6549985000001,"endTime":622.7549980000001,"body":"of"},{"speaker":"Treichel","startTime":622.7549990000001,"endTime":622.9949990000001,"body":"those"},{"speaker":"Treichel","startTime":623.0249990000001,"endTime":623.3449990000001,"body":"data"},{"speaker":"Treichel","startTime":623.3449990000001,"endTime":623.7549990000001,"body":"points"},{"speaker":"Treichel","startTime":623.7549990000001,"endTime":623.9649990000001,"body":"have"},{"speaker":"Treichel","startTime":623.9749990000001,"endTime":624.5349990000001,"body":"multiple"},{"speaker":"Treichel","startTime":624.5449990000002,"endTime":624.8549990000001,"body":"data"},{"speaker":"Treichel","startTime":624.8549990000001,"endTime":625.3849990000001,"body":"fields"},{"speaker":"Treichel","startTime":625.3849990000001,"endTime":625.8149990000002,"body":"within"},{"speaker":"Treichel","startTime":625.8149990000002,"endTime":626.1049990000001,"body":"them,"},{"speaker":"Treichel","startTime":626.1349990000001,"endTime":626.4649990000001,"body":"too."},{"speaker":"Treichel","startTime":626.6449990000001,"endTime":626.8449990000001,"body":"Some"},{"speaker":"Treichel","startTime":626.8449990000001,"endTime":626.9349990000002,"body":"of"},{"speaker":"Treichel","startTime":626.9349990000002,"endTime":627.0449990000002,"body":"the"},{"speaker":"Treichel","startTime":627.0549990000002,"endTime":627.4049985000001,"body":"things"},{"speaker":"Treichel","startTime":627.4049985000001,"endTime":627.6049980000001,"body":"that"},{"speaker":"Treichel","startTime":627.6049990000001,"endTime":627.6949990000002,"body":"are"},{"speaker":"Treichel","startTime":627.7449990000001,"endTime":628.3849990000001,"body":"covered"},{"speaker":"Treichel","startTime":628.5549990000002,"endTime":628.7049990000002,"body":"or"},{"speaker":"Treichel","startTime":628.7049990000002,"endTime":628.7649990000001,"body":"that"},{"speaker":"Treichel","startTime":628.8049990000002,"endTime":628.9949990000001,"body":"must"},{"speaker":"Treichel","startTime":628.9949990000001,"endTime":629.1349990000001,"body":"be"},{"speaker":"Treichel","startTime":629.1349990000001,"endTime":629.6349990000001,"body":"collected"},{"speaker":"Treichel","startTime":629.6349990000001,"endTime":629.7949990000002,"body":"are"},{"speaker":"Treichel","startTime":629.7949990000002,"endTime":630.1549990000001,"body":"loan"},{"speaker":"Treichel","startTime":630.2149990000001,"endTime":630.6249990000001,"body":"type,"},{"speaker":"Treichel","startTime":631.2099990000002,"endTime":631.5599990000002,"body":"Loan"},{"speaker":"Treichel","startTime":631.5599990000002,"endTime":632.1199990000002,"body":"purpose,"},{"speaker":"Treichel","startTime":632.5299990000002,"endTime":632.8699990000002,"body":"loan"},{"speaker":"Treichel","startTime":632.8699990000002,"endTime":633.4399990000002,"body":"amount,"},{"speaker":"Treichel","startTime":633.9199990000002,"endTime":634.4199990000002,"body":"action"},{"speaker":"Treichel","startTime":634.4199990000002,"endTime":634.8299990000002,"body":"taken"},{"speaker":"Treichel","startTime":634.8299990000002,"endTime":634.9599990000002,"body":"on"},{"speaker":"Treichel","startTime":634.9599990000002,"endTime":635.0899990000001,"body":"the"},{"speaker":"Treichel","startTime":635.0899990000001,"endTime":636.0699990000002,"body":"application,"},{"speaker":"Treichel","startTime":636.5899990000001,"endTime":637.1599990000002,"body":"property"},{"speaker":"Treichel","startTime":637.1599990000002,"endTime":637.7599990000001,"body":"address,"},{"speaker":"Treichel","startTime":637.9999990000001,"endTime":638.1899990000002,"body":"and"},{"speaker":"Treichel","startTime":638.1899990000002,"endTime":638.4099990000002,"body":"rate"},{"speaker":"Treichel","startTime":638.4099990000002,"endTime":638.9699990000001,"body":"spread."},{"speaker":"Treichel","startTime":639.4299990000002,"endTime":639.7699990000002,"body":"Other"},{"speaker":"Treichel","startTime":639.7699990000002,"endTime":640.1699990000002,"body":"items"},{"speaker":"Treichel","startTime":640.4699990000003,"endTime":640.9099990000002,"body":"include"},{"speaker":"Treichel","startTime":640.9099990000002,"endTime":641.9099990000002,"body":"ethnicity,"},{"speaker":"Treichel","startTime":641.9699990000003,"endTime":642.3299990000002,"body":"race,"},{"speaker":"Treichel","startTime":642.7399990000002,"endTime":643.1499990000002,"body":"sex,"},{"speaker":"Treichel","startTime":643.5199990000002,"endTime":644.2499990000002,"body":"age,"},{"speaker":"Treichel","startTime":644.5299990000002,"endTime":645.0599990000002,"body":"income,"},{"speaker":"Treichel","startTime":645.0599990000002,"endTime":645.1899990000002,"body":"and"},{"speaker":"Treichel","startTime":645.1899990000002,"endTime":645.5199990000002,"body":"credit"},{"speaker":"Treichel","startTime":645.5199990000002,"endTime":646.0399990000002,"body":"score."},{"speaker":"Treichel","startTime":646.3899990000001,"endTime":646.6499990000001,"body":"Now,"},{"speaker":"Treichel","startTime":646.7399980000001,"endTime":646.9199980000001,"body":"some"},{"speaker":"Treichel","startTime":646.9199990000002,"endTime":647.0199990000001,"body":"of"},{"speaker":"Treichel","startTime":647.0199990000001,"endTime":647.1899990000002,"body":"this"},{"speaker":"Treichel","startTime":647.1899990000002,"endTime":647.8999990000001,"body":"demographic"},{"speaker":"Treichel","startTime":647.8999990000001,"endTime":648.1699990000002,"body":"data"},{"speaker":"Treichel","startTime":648.1799980000002,"endTime":648.3399980000002,"body":"is"},{"speaker":"Treichel","startTime":648.3399980000002,"endTime":648.8999980000001,"body":"collected"},{"speaker":"Treichel","startTime":648.8999990000001,"endTime":649.1599990000001,"body":"via"},{"speaker":"Treichel","startTime":649.1599990000001,"endTime":649.2799985000001,"body":"the"},{"speaker":"Treichel","startTime":649.2799985000001,"endTime":649.9399980000002,"body":"Universal"},{"speaker":"Treichel","startTime":649.9399980000002,"endTime":650.5099980000001,"body":"Residential"},{"speaker":"Treichel","startTime":650.5099980000001,"endTime":650.7999980000002,"body":"Loan"},{"speaker":"Treichel","startTime":650.7999990000002,"endTime":651.6799990000002,"body":"Application."},{"speaker":"Treichel","startTime":651.8999990000002,"endTime":652.0399990000002,"body":"Which"},{"speaker":"Treichel","startTime":652.0399990000002,"endTime":652.1599990000002,"body":"is"},{"speaker":"Treichel","startTime":652.1599990000002,"endTime":652.5599990000002,"body":"widely"},{"speaker":"Treichel","startTime":652.5599990000002,"endTime":652.9099990000002,"body":"used"},{"speaker":"Treichel","startTime":652.9099990000002,"endTime":652.9699990000001,"body":"in"},{"speaker":"Treichel","startTime":652.9699990000001,"endTime":653.0499990000002,"body":"the"},{"speaker":"Treichel","startTime":653.0499990000002,"endTime":653.4299990000002,"body":"mortgage"},{"speaker":"Treichel","startTime":653.4299990000002,"endTime":654.0599990000002,"body":"industry,"},{"speaker":"Treichel","startTime":654.4199990000002,"endTime":654.8499990000001,"body":"especially"},{"speaker":"Treichel","startTime":654.8499990000001,"endTime":654.9899990000001,"body":"by"},{"speaker":"Treichel","startTime":655.0199990000002,"endTime":655.4699990000001,"body":"lenders"},{"speaker":"Treichel","startTime":655.4699990000001,"endTime":655.9099990000002,"body":"who"},{"speaker":"Treichel","startTime":656.0299990000002,"endTime":656.3599990000001,"body":"sell"},{"speaker":"Treichel","startTime":656.3599990000001,"endTime":656.5599990000002,"body":"their"},{"speaker":"Treichel","startTime":656.5599990000002,"endTime":656.9799990000001,"body":"mortgage"},{"speaker":"Treichel","startTime":656.9799990000001,"endTime":657.4199990000002,"body":"loans."},{"speaker":"Treichel","startTime":658.0699990000002,"endTime":658.4299990000002,"body":"Fannie"},{"speaker":"Treichel","startTime":658.4299990000002,"endTime":658.4899990000002,"body":"and"},{"speaker":"Treichel","startTime":658.4899990000002,"endTime":658.8099990000002,"body":"Freddie"},{"speaker":"Treichel","startTime":658.8099990000002,"endTime":659.0699990000002,"body":"use"},{"speaker":"Treichel","startTime":659.0699990000002,"endTime":659.2799990000002,"body":"those"},{"speaker":"Treichel","startTime":659.2799990000002,"endTime":660.2499990000002,"body":"applications."},{"speaker":"Treichel","startTime":660.3199990000002,"endTime":660.5799990000002,"body":"So,"},{"speaker":"Treichel","startTime":660.8299980000002,"endTime":661.3299980000002,"body":"generally"},{"speaker":"Treichel","startTime":661.3399990000003,"endTime":661.9599990000002,"body":"speaking,"},{"speaker":"Treichel","startTime":661.9799990000002,"endTime":662.2099985000002,"body":"they're"},{"speaker":"Treichel","startTime":662.2099985000002,"endTime":662.8599980000002,"body":"used."},{"speaker":"Treichel","startTime":663.1799990000002,"endTime":663.4199990000002,"body":"By"},{"speaker":"Treichel","startTime":663.4699990000001,"endTime":663.9299990000002,"body":"most"},{"speaker":"Treichel","startTime":664.3999990000002,"endTime":664.9999990000002,"body":"lenders"},{"speaker":"Treichel","startTime":665.7499990000001,"endTime":665.9999990000001,"body":"got"},{"speaker":"Treichel","startTime":665.9999990000001,"endTime":666.1299990000001,"body":"it."},{"speaker":"Treichel","startTime":666.1699990000002,"endTime":666.3099990000002,"body":"So"},{"speaker":"Treichel","startTime":666.3099990000002,"endTime":666.5199990000001,"body":"Joe,"},{"speaker":"Treichel","startTime":666.5199990000001,"endTime":666.6699990000002,"body":"you"},{"speaker":"Treichel","startTime":666.6699990000002,"endTime":667.0999990000001,"body":"mentioned"},{"speaker":"Treichel","startTime":667.1099990000001,"endTime":667.3999990000002,"body":"all"},{"speaker":"Treichel","startTime":667.3999990000002,"endTime":667.7499990000001,"body":"these"},{"speaker":"Treichel","startTime":667.7499990000001,"endTime":668.2199990000001,"body":"different"},{"speaker":"Treichel","startTime":668.5799990000002,"endTime":669.0299990000002,"body":"items"},{"speaker":"Treichel","startTime":669.0299990000002,"endTime":669.1699990000002,"body":"and"},{"speaker":"Treichel","startTime":669.1699990000002,"endTime":669.4599990000002,"body":"data"},{"speaker":"Treichel","startTime":669.4599990000002,"endTime":669.7699990000002,"body":"sets"},{"speaker":"Treichel","startTime":669.7699990000002,"endTime":669.9399990000002,"body":"that"},{"speaker":"Treichel","startTime":669.9399990000002,"endTime":670.2899990000002,"body":"must"},{"speaker":"Treichel","startTime":670.2899990000002,"endTime":670.4799990000002,"body":"be"},{"speaker":"Treichel","startTime":670.5099990000002,"endTime":671.2799990000002,"body":"collected."},{"speaker":"Treichel","startTime":671.3399990000001,"endTime":671.4599990000002,"body":"Are"},{"speaker":"Treichel","startTime":671.4599990000002,"endTime":671.6099990000002,"body":"there"},{"speaker":"Treichel","startTime":671.6099990000002,"endTime":671.8399990000001,"body":"any"},{"speaker":"Treichel","startTime":671.8399990000001,"endTime":672.6999990000002,"body":"exemptions"},{"speaker":"Treichel","startTime":672.9299980000002,"endTime":673.3199980000002,"body":"that"},{"speaker":"Treichel","startTime":673.4899990000002,"endTime":673.7899990000002,"body":"would"},{"speaker":"Treichel","startTime":673.7899990000002,"endTime":674.0899990000001,"body":"either"},{"speaker":"Treichel","startTime":674.1099990000002,"endTime":674.5499990000002,"body":"limit"},{"speaker":"Treichel","startTime":674.8399990000001,"endTime":675.2999990000002,"body":"those"},{"speaker":"Treichel","startTime":675.5199990000002,"endTime":675.7099990000002,"body":"the"},{"speaker":"Treichel","startTime":675.7099990000002,"endTime":676.0599990000002,"body":"items"},{"speaker":"Treichel","startTime":676.0599990000002,"endTime":676.1999990000002,"body":"that"},{"speaker":"Treichel","startTime":676.1999990000002,"endTime":676.3399985000002,"body":"need"},{"speaker":"Treichel","startTime":676.3399985000002,"endTime":676.3999980000002,"body":"to"},{"speaker":"Treichel","startTime":676.4099990000002,"endTime":676.5499985000002,"body":"be"},{"speaker":"Treichel","startTime":676.5499985000002,"endTime":676.9899980000002,"body":"collected"},{"speaker":"Treichel","startTime":676.9899990000002,"endTime":677.1199990000002,"body":"or"},{"speaker":"Treichel","startTime":677.1199990000002,"endTime":677.3499985000002,"body":"any"},{"speaker":"Treichel","startTime":677.3499985000002,"endTime":678.0199980000002,"body":"exemptions"},{"speaker":"Treichel","startTime":678.0599990000002,"endTime":678.3099990000002,"body":"that"},{"speaker":"Treichel","startTime":678.3099990000002,"endTime":678.5499990000002,"body":"would"},{"speaker":"Treichel","startTime":678.6099990000002,"endTime":678.9999990000002,"body":"impact"},{"speaker":"Treichel","startTime":678.9999990000002,"endTime":679.2599990000002,"body":"credit"},{"speaker":"Treichel","startTime":679.2699990000002,"endTime":679.7199990000001,"body":"unions"},{"speaker":"Treichel","startTime":679.7199990000001,"endTime":680.0099990000002,"body":"in"},{"speaker":"Treichel","startTime":680.0499990000002,"endTime":680.2499985000002,"body":"in"},{"speaker":"Treichel","startTime":680.2499985000002,"endTime":680.4599980000002,"body":"any"},{"speaker":"Treichel","startTime":680.4599990000002,"endTime":681.0699985000002,"body":"particular"},{"speaker":"Treichel","startTime":681.0699985000002,"endTime":681.3999980000002,"body":"way?"},{"speaker":"Treichel","startTime":681.4800000000002,"endTime":681.7199995000002,"body":"Other"},{"speaker":"Treichel","startTime":681.7199995000002,"endTime":681.8399985000002,"body":"than"},{"speaker":"Treichel","startTime":681.8399985000002,"endTime":682.1199980000002,"body":"that,"},{"speaker":"Treichel","startTime":682.6499980000002,"endTime":682.9899980000002,"body":"because"},{"speaker":"Treichel","startTime":682.9899980000002,"endTime":683.1699980000002,"body":"this"},{"speaker":"Treichel","startTime":683.1699980000002,"endTime":683.3099980000002,"body":"is"},{"speaker":"Treichel","startTime":683.3699980000002,"endTime":683.6399980000002,"body":"under"},{"speaker":"Treichel","startTime":683.6399980000002,"endTime":683.7699980000002,"body":"the"},{"speaker":"Treichel","startTime":683.7699980000002,"endTime":684.0999980000001,"body":"answers."},{"speaker":"Treichel","startTime":684.0999980000001,"endTime":684.5299980000002,"body":"Yes,"},{"speaker":"Treichel","startTime":684.5599980000002,"endTime":684.7099980000002,"body":"there"},{"speaker":"Treichel","startTime":684.7099980000002,"endTime":684.8599980000002,"body":"are"},{"speaker":"Treichel","startTime":684.8599980000002,"endTime":685.0599980000002,"body":"some"},{"speaker":"Treichel","startTime":685.0599980000002,"endTime":685.7199980000001,"body":"exemptions"},{"speaker":"Treichel","startTime":686.3599980000002,"endTime":686.7199980000001,"body":"important"},{"speaker":"Treichel","startTime":686.7699980000002,"endTime":686.8899980000002,"body":"to"},{"speaker":"Treichel","startTime":686.8899980000002,"endTime":687.2799980000002,"body":"know."},{"speaker":"Treichel","startTime":687.6399990000001,"endTime":687.8999990000001,"body":"There"},{"speaker":"Treichel","startTime":687.8999990000001,"endTime":687.979999,"body":"are"},{"speaker":"Treichel","startTime":687.979999,"endTime":688.4299990000001,"body":"actually"},{"speaker":"Treichel","startTime":688.699999,"endTime":689.1799990000001,"body":"2"},{"speaker":"Treichel","startTime":690.0299990000001,"endTime":690.569999,"body":"separate"},{"speaker":"Treichel","startTime":690.9899990000001,"endTime":691.5599990000002,"body":"partial"},{"speaker":"Treichel","startTime":691.5599990000002,"endTime":692.2499990000001,"body":"exemptions,"},{"speaker":"Treichel","startTime":692.6699990000001,"endTime":692.8099990000002,"body":"and"},{"speaker":"Treichel","startTime":692.8099990000002,"endTime":692.9399990000002,"body":"they"},{"speaker":"Treichel","startTime":692.9399990000002,"endTime":693.3099990000002,"body":"relieve"},{"speaker":"Treichel","startTime":693.3199990000002,"endTime":693.5199990000001,"body":"some"},{"speaker":"Treichel","startTime":693.6799990000002,"endTime":693.6999990000002,"body":"of"},{"speaker":"Treichel","startTime":693.7099990000002,"endTime":693.8499990000001,"body":"the"},{"speaker":"Treichel","startTime":693.8499990000001,"endTime":694.3799990000001,"body":"filers"},{"speaker":"Treichel","startTime":694.3899990000001,"endTime":694.5899990000001,"body":"from"},{"speaker":"Treichel","startTime":694.5999990000001,"endTime":694.8799990000001,"body":"having"},{"speaker":"Treichel","startTime":694.8799990000001,"endTime":694.9899990000001,"body":"to"},{"speaker":"Treichel","startTime":695.0299990000001,"endTime":695.3699990000001,"body":"submit"},{"speaker":"Treichel","startTime":695.3899990000001,"endTime":695.6399990000001,"body":"all"},{"speaker":"Treichel","startTime":695.6699990000001,"endTime":696.1599990000001,"body":"48"},{"speaker":"Treichel","startTime":696.1899990000002,"endTime":696.5099990000001,"body":"data"},{"speaker":"Treichel","startTime":696.5099990000001,"endTime":696.8299990000002,"body":"points."},{"speaker":"Treichel","startTime":697.2799990000001,"endTime":697.6899990000002,"body":"Generally,"},{"speaker":"Treichel","startTime":697.6899990000002,"endTime":697.8299990000002,"body":"they're"},{"speaker":"Treichel","startTime":697.8299990000002,"endTime":698.0699990000002,"body":"only"},{"speaker":"Treichel","startTime":698.0699990000002,"endTime":698.5299990000001,"body":"required"},{"speaker":"Treichel","startTime":698.5599990000002,"endTime":698.6799990000002,"body":"to"},{"speaker":"Treichel","startTime":698.7299990000001,"endTime":699.0199990000001,"body":"submit"},{"speaker":"Treichel","startTime":699.0399990000001,"endTime":699.3599990000001,"body":"22"},{"speaker":"Treichel","startTime":699.6299980000001,"endTime":699.7399980000001,"body":"of"},{"speaker":"Treichel","startTime":699.7399990000001,"endTime":700.1499990000001,"body":"them"},{"speaker":"Treichel","startTime":700.2199990000001,"endTime":700.3999990000001,"body":"if"},{"speaker":"Treichel","startTime":700.3999990000001,"endTime":700.7199990000001,"body":"they"},{"speaker":"Treichel","startTime":700.7699990000001,"endTime":701.0599990000002,"body":"are"},{"speaker":"Treichel","startTime":701.1699980000001,"endTime":701.5399980000001,"body":"subject"},{"speaker":"Treichel","startTime":701.5599990000002,"endTime":701.6799990000002,"body":"to"},{"speaker":"Treichel","startTime":701.6799990000002,"endTime":701.8499990000001,"body":"the"},{"speaker":"Treichel","startTime":702.1799990000002,"endTime":702.5799985000001,"body":"partial"},{"speaker":"Treichel","startTime":702.5799985000001,"endTime":703.1999980000002,"body":"exemption."},{"speaker":"Treichel","startTime":703.4649990000001,"endTime":703.6549990000002,"body":"And"},{"speaker":"Treichel","startTime":703.6549990000002,"endTime":703.8849990000002,"body":"not"},{"speaker":"Treichel","startTime":703.8849990000002,"endTime":704.0649990000002,"body":"the"},{"speaker":"Treichel","startTime":704.0649990000002,"endTime":704.3249990000002,"body":"other"},{"speaker":"Treichel","startTime":704.8449990000001,"endTime":705.0649990000002,"body":"26"},{"speaker":"Treichel","startTime":705.3949990000002,"endTime":705.6849990000002,"body":"data"},{"speaker":"Treichel","startTime":705.6849990000002,"endTime":706.1649990000002,"body":"points."},{"speaker":"Treichel","startTime":706.3349990000002,"endTime":706.5549990000002,"body":"So"},{"speaker":"Treichel","startTime":706.5549990000002,"endTime":706.6849990000002,"body":"the"},{"speaker":"Treichel","startTime":706.6849990000002,"endTime":707.0149990000002,"body":"first"},{"speaker":"Treichel","startTime":707.0149990000002,"endTime":707.5049990000002,"body":"partial"},{"speaker":"Treichel","startTime":707.5049990000002,"endTime":708.2649990000002,"body":"exemption"},{"speaker":"Treichel","startTime":708.8549990000001,"endTime":709.0549990000002,"body":"is"},{"speaker":"Treichel","startTime":709.0649990000002,"endTime":709.2749990000001,"body":"for"},{"speaker":"Treichel","startTime":709.2749990000001,"endTime":710.0649990000002,"body":"closed"},{"speaker":"Treichel","startTime":710.0749990000002,"endTime":710.4049990000001,"body":"end"},{"speaker":"Treichel","startTime":710.4149990000001,"endTime":711.3549990000001,"body":"transactions"},{"speaker":"Treichel","startTime":711.3849990000001,"endTime":711.9749990000001,"body":"only."},{"speaker":"Treichel","startTime":712.0649990000002,"endTime":712.2549985000002,"body":"So"},{"speaker":"Treichel","startTime":712.2549985000002,"endTime":712.4149980000001,"body":"if"},{"speaker":"Treichel","startTime":712.4149990000001,"endTime":712.6249990000001,"body":"the"},{"speaker":"Treichel","startTime":712.6549990000001,"endTime":712.9249990000001,"body":"credit"},{"speaker":"Treichel","startTime":712.9349990000002,"endTime":713.3549990000001,"body":"union"},{"speaker":"Treichel","startTime":713.3949990000001,"endTime":714.2849990000001,"body":"originated"},{"speaker":"Treichel","startTime":714.2849990000001,"endTime":714.7249990000001,"body":"fewer"},{"speaker":"Treichel","startTime":714.7249990000001,"endTime":714.9049990000001,"body":"than"},{"speaker":"Treichel","startTime":714.9049990000001,"endTime":714.9949990000001,"body":"500"},{"speaker":"Treichel","startTime":716.0049980000001,"endTime":716.3749980000001,"body":"covered"},{"speaker":"Treichel","startTime":716.3749980000001,"endTime":716.8449980000001,"body":"closed"},{"speaker":"Treichel","startTime":716.8449990000001,"endTime":717.0349990000001,"body":"end"},{"speaker":"Treichel","startTime":717.0349990000001,"endTime":717.6549990000001,"body":"mortgages"},{"speaker":"Treichel","startTime":717.6949990000002,"endTime":717.8949990000001,"body":"in"},{"speaker":"Treichel","startTime":717.9949990000001,"endTime":718.5349990000001,"body":"each"},{"speaker":"Treichel","startTime":718.6549990000001,"endTime":718.7849990000001,"body":"of"},{"speaker":"Treichel","startTime":718.7949980000001,"endTime":718.8849980000001,"body":"the"},{"speaker":"Treichel","startTime":718.8849990000001,"endTime":719.1049990000001,"body":"two"},{"speaker":"Treichel","startTime":719.1049990000001,"endTime":719.5949990000001,"body":"preceding"},{"speaker":"Treichel","startTime":719.5949990000001,"endTime":720.0349990000001,"body":"calendar"},{"speaker":"Treichel","startTime":720.0349990000001,"endTime":720.4349990000002,"body":"years."},{"speaker":"Treichel","startTime":720.864999,"endTime":721.0149990000001,"body":"It"},{"speaker":"Treichel","startTime":721.0149990000001,"endTime":721.254999,"body":"only"},{"speaker":"Treichel","startTime":721.254999,"endTime":721.474999,"body":"has"},{"speaker":"Treichel","startTime":721.474999,"endTime":721.584999,"body":"to"},{"speaker":"Treichel","startTime":721.584999,"endTime":722.0249990000001,"body":"report"},{"speaker":"Treichel","startTime":722.0249990000001,"endTime":722.1449990000001,"body":"the"},{"speaker":"Treichel","startTime":722.5349990000001,"endTime":722.6849990000001,"body":"22"},{"speaker":"Treichel","startTime":722.704999,"endTime":722.984999,"body":"data"},{"speaker":"Treichel","startTime":722.984999,"endTime":723.344999,"body":"points"},{"speaker":"Treichel","startTime":723.484999,"endTime":723.6749990000001,"body":"for"},{"speaker":"Treichel","startTime":723.6749990000001,"endTime":724.114999,"body":"closed"},{"speaker":"Treichel","startTime":724.114999,"endTime":724.3149990000001,"body":"end"},{"speaker":"Treichel","startTime":724.3149990000001,"endTime":725.074999,"body":"transactions."},{"speaker":"Treichel","startTime":725.454999,"endTime":725.724999,"body":"Now,"},{"speaker":"Treichel","startTime":725.8049990000001,"endTime":726.0649990000001,"body":"that"},{"speaker":"Treichel","startTime":726.074999,"endTime":726.444999,"body":"doesn't"},{"speaker":"Treichel","startTime":726.444999,"endTime":726.8949990000001,"body":"affect"},{"speaker":"Treichel","startTime":726.8949990000001,"endTime":727.4149990000001,"body":"reporting"},{"speaker":"Treichel","startTime":727.4149990000001,"endTime":727.5349990000001,"body":"for"},{"speaker":"Treichel","startTime":727.5349990000001,"endTime":727.6749990000001,"body":"the"},{"speaker":"Treichel","startTime":727.6749990000001,"endTime":728.004999,"body":"opened"},{"speaker":"Treichel","startTime":728.004999,"endTime":728.1849990000001,"body":"end"},{"speaker":"Treichel","startTime":728.194999,"endTime":729.0349990000001,"body":"transactions."},{"speaker":"Treichel","startTime":729.474999,"endTime":730.1649990000001,"body":"However,"},{"speaker":"Treichel","startTime":730.224999,"endTime":730.494999,"body":"there"},{"speaker":"Treichel","startTime":730.6549990000001,"endTime":730.6749985,"body":"is"},{"speaker":"Treichel","startTime":730.6749985,"endTime":730.864998,"body":"a"},{"speaker":"Treichel","startTime":731.114999,"endTime":731.6649990000001,"body":"separate"},{"speaker":"Treichel","startTime":732.234999,"endTime":732.694999,"body":"partial"},{"speaker":"Treichel","startTime":732.694999,"endTime":733.244999,"body":"exemption"},{"speaker":"Treichel","startTime":733.244999,"endTime":733.444999,"body":"for"},{"speaker":"Treichel","startTime":733.444999,"endTime":733.7649985,"body":"opened"},{"speaker":"Treichel","startTime":733.7649985,"endTime":733.964998,"body":"end"},{"speaker":"Treichel","startTime":733.974999,"endTime":734.6849990000001,"body":"transactions."},{"speaker":"Treichel","startTime":734.8149990000001,"endTime":735.254999,"body":"So,"},{"speaker":"Treichel","startTime":735.3149990000001,"endTime":735.614999,"body":"it's"},{"speaker":"Treichel","startTime":735.6449990000001,"endTime":736.1849990000001,"body":"basically"},{"speaker":"Treichel","startTime":736.1849990000001,"endTime":736.324999,"body":"the"},{"speaker":"Treichel","startTime":736.324999,"endTime":736.824999,"body":"same"},{"speaker":"Treichel","startTime":736.824999,"endTime":737.3949990000001,"body":"as."},{"speaker":"Treichel","startTime":738.0449990000002,"endTime":738.1849990000002,"body":"The"},{"speaker":"Treichel","startTime":738.1849990000002,"endTime":738.6849990000002,"body":"partial"},{"speaker":"Treichel","startTime":738.6849990000002,"endTime":739.1649990000002,"body":"exemption"},{"speaker":"Treichel","startTime":739.1649990000002,"endTime":739.3049990000002,"body":"for"},{"speaker":"Treichel","startTime":739.3049990000002,"endTime":739.7349990000001,"body":"closed"},{"speaker":"Treichel","startTime":739.7349990000001,"endTime":739.8949990000002,"body":"end"},{"speaker":"Treichel","startTime":739.8949990000002,"endTime":740.7349990000001,"body":"transactions"},{"speaker":"Treichel","startTime":740.7349990000001,"endTime":740.8149990000002,"body":"or"},{"speaker":"Treichel","startTime":740.8149990000002,"endTime":740.9049990000002,"body":"the"},{"speaker":"Treichel","startTime":740.9049990000002,"endTime":741.4849990000001,"body":"standards"},{"speaker":"Treichel","startTime":741.4849990000001,"endTime":741.5249990000002,"body":"are"},{"speaker":"Treichel","startTime":741.5449990000002,"endTime":741.6749990000002,"body":"the"},{"speaker":"Treichel","startTime":741.6749990000002,"endTime":742.0249990000002,"body":"same."},{"speaker":"Treichel","startTime":742.3849990000002,"endTime":742.7749990000002,"body":"If"},{"speaker":"Treichel","startTime":742.8149990000002,"endTime":742.9449990000002,"body":"the"},{"speaker":"Treichel","startTime":742.9449990000002,"endTime":743.2149990000001,"body":"credit"},{"speaker":"Treichel","startTime":743.2249990000003,"endTime":743.8049990000002,"body":"union"},{"speaker":"Treichel","startTime":743.8749990000002,"endTime":744.5649990000002,"body":"originated"},{"speaker":"Treichel","startTime":744.5649990000002,"endTime":744.8949990000002,"body":"less"},{"speaker":"Treichel","startTime":744.9149990000002,"endTime":745.0849990000002,"body":"than"},{"speaker":"Treichel","startTime":745.0849990000002,"endTime":745.1949990000002,"body":"500"},{"speaker":"Treichel","startTime":745.9649980000002,"endTime":746.3149980000002,"body":"opened"},{"speaker":"Treichel","startTime":746.3149990000002,"endTime":746.5049990000002,"body":"end"},{"speaker":"Treichel","startTime":746.5149990000002,"endTime":747.4249985000002,"body":"transactions"},{"speaker":"Treichel","startTime":747.4249985000002,"endTime":747.5749980000002,"body":"that"},{"speaker":"Treichel","startTime":747.5749990000002,"endTime":747.6949990000002,"body":"are"},{"speaker":"Treichel","startTime":747.7349990000002,"endTime":748.1549990000002,"body":"subject"},{"speaker":"Treichel","startTime":748.1749980000002,"endTime":748.3249980000002,"body":"to"},{"speaker":"Treichel","startTime":748.3250980000003,"endTime":749.2048990000002,"body":"the"},{"speaker":"Treichel","startTime":749.2049990000002,"endTime":749.9649985000002,"body":"reporting"},{"speaker":"Treichel","startTime":749.9649985000002,"endTime":750.6549980000002,"body":"for"},{"speaker":"Treichel","startTime":750.6949990000002,"endTime":750.8449985000002,"body":"the"},{"speaker":"Treichel","startTime":750.8449985000002,"endTime":751.1649980000002,"body":"opened"},{"speaker":"Treichel","startTime":751.1649990000002,"endTime":751.3649990000002,"body":"end"},{"speaker":"Treichel","startTime":751.3749990000002,"endTime":752.3049990000002,"body":"transactions"},{"speaker":"Treichel","startTime":752.3649990000002,"endTime":752.5749990000002,"body":"is"},{"speaker":"Treichel","startTime":752.5749990000002,"endTime":752.7949985000002,"body":"only"},{"speaker":"Treichel","startTime":752.7949985000002,"endTime":752.9449980000002,"body":"for"},{"speaker":"Treichel","startTime":752.9449990000002,"endTime":753.0849985000002,"body":"the"},{"speaker":"Treichel","startTime":753.0849985000002,"endTime":753.5749980000002,"body":"22"},{"speaker":"Treichel","startTime":753.5949980000001,"endTime":753.8949980000002,"body":"data"},{"speaker":"Treichel","startTime":753.8949980000002,"endTime":754.3249980000002,"body":"points."},{"speaker":"Treichel","startTime":754.9549980000002,"endTime":755.1449980000002,"body":"And,"},{"speaker":"Treichel","startTime":755.1449990000002,"endTime":755.2349990000001,"body":"of"},{"speaker":"Treichel","startTime":755.2349990000001,"endTime":755.4249990000002,"body":"course,"},{"speaker":"Treichel","startTime":755.6349990000002,"endTime":755.9749990000001,"body":"that"},{"speaker":"Treichel","startTime":756.0149980000002,"endTime":756.2349980000001,"body":"does"},{"speaker":"Treichel","startTime":756.2349990000001,"endTime":756.4849990000001,"body":"not"},{"speaker":"Treichel","startTime":756.4849990000001,"endTime":756.9849990000001,"body":"affect"},{"speaker":"Treichel","startTime":757.0349990000002,"endTime":757.1849990000002,"body":"the"},{"speaker":"Treichel","startTime":757.1849990000002,"endTime":757.6749990000002,"body":"reporting"},{"speaker":"Treichel","startTime":757.6749990000002,"endTime":757.8049990000002,"body":"for"},{"speaker":"Treichel","startTime":757.8049990000002,"endTime":757.9249990000002,"body":"the"},{"speaker":"Treichel","startTime":757.9249990000002,"endTime":758.4749990000001,"body":"closed"},{"speaker":"Treichel","startTime":758.4749990000001,"endTime":758.6649990000002,"body":"end"},{"speaker":"Treichel","startTime":758.6749990000002,"endTime":759.5549990000002,"body":"transactions."},{"speaker":"Treichel","startTime":759.5849990000002,"endTime":759.7049990000002,"body":"So"},{"speaker":"Treichel","startTime":759.7049990000002,"endTime":759.9449990000002,"body":"there's"},{"speaker":"Treichel","startTime":759.9649990000001,"endTime":760.3649990000001,"body":"separate"},{"speaker":"Treichel","startTime":760.4249990000002,"endTime":761.2149990000001,"body":"exemptions."},{"speaker":"Treichel","startTime":761.6249990000002,"endTime":761.8749990000002,"body":"Even"},{"speaker":"Treichel","startTime":761.8749990000002,"endTime":761.9949990000002,"body":"though"},{"speaker":"Treichel","startTime":761.9949990000002,"endTime":762.1249990000002,"body":"the"},{"speaker":"Treichel","startTime":762.1249990000002,"endTime":762.6449990000002,"body":"standards"},{"speaker":"Treichel","startTime":762.6449990000002,"endTime":762.8249990000002,"body":"for"},{"speaker":"Treichel","startTime":762.8249990000002,"endTime":762.9749990000001,"body":"each"},{"speaker":"Treichel","startTime":762.9749990000001,"endTime":763.0849990000002,"body":"is"},{"speaker":"Treichel","startTime":763.0849990000002,"endTime":763.1949990000002,"body":"the"},{"speaker":"Treichel","startTime":763.1949990000002,"endTime":763.6049990000001,"body":"same."},{"speaker":"Treichel","startTime":763.9549990000003,"endTime":764.5749990000003,"body":"Interesting."},{"speaker":"Treichel","startTime":765.3349990000002,"endTime":765.8049990000002,"body":"Now,"},{"speaker":"Treichel","startTime":766.0449990000002,"endTime":766.2449990000002,"body":"if"},{"speaker":"Treichel","startTime":766.2449990000002,"endTime":766.3349990000002,"body":"the"},{"speaker":"Treichel","startTime":766.3349990000002,"endTime":766.6149990000001,"body":"credit"},{"speaker":"Treichel","startTime":766.6249990000002,"endTime":767.1449990000002,"body":"union"},{"speaker":"Treichel","startTime":767.1549990000002,"endTime":767.6149990000001,"body":"is"},{"speaker":"Treichel","startTime":767.8849990000002,"endTime":768.4749990000001,"body":"required"},{"speaker":"Treichel","startTime":768.4749990000001,"endTime":768.5749990000002,"body":"to"},{"speaker":"Treichel","startTime":768.5749990000002,"endTime":768.9949990000002,"body":"collect"},{"speaker":"Treichel","startTime":768.9949990000002,"endTime":769.1549990000002,"body":"and"},{"speaker":"Treichel","startTime":769.1549990000002,"endTime":769.5749990000002,"body":"report"},{"speaker":"Treichel","startTime":769.7849990000002,"endTime":770.3749990000002,"body":"data,"},{"speaker":"Treichel","startTime":770.7149990000001,"endTime":770.8749990000002,"body":"it"},{"speaker":"Treichel","startTime":770.8749990000002,"endTime":771.1849990000002,"body":"must"},{"speaker":"Treichel","startTime":771.1849990000002,"endTime":771.6049990000001,"body":"record"},{"speaker":"Treichel","startTime":771.6049990000001,"endTime":771.7349985000002,"body":"it"},{"speaker":"Treichel","startTime":771.7349985000002,"endTime":771.9049980000002,"body":"in"},{"speaker":"Treichel","startTime":771.9049980000002,"endTime":772.1049980000001,"body":"what's"},{"speaker":"Treichel","startTime":772.1049990000001,"endTime":772.3949990000002,"body":"called"},{"speaker":"Treichel","startTime":772.3949990000002,"endTime":772.5149990000002,"body":"a"},{"speaker":"Treichel","startTime":772.5249980000002,"endTime":772.9649980000002,"body":"loan"},{"speaker":"Treichel","startTime":772.9849980000001,"endTime":773.8849980000002,"body":"application"},{"speaker":"Treichel","startTime":773.9349990000002,"endTime":774.6249990000002,"body":"register"},{"speaker":"Treichel","startTime":774.6949980000002,"endTime":774.8849980000002,"body":"or"},{"speaker":"Treichel","startTime":774.8949990000002,"endTime":775.4649990000001,"body":"LAR,"},{"speaker":"Treichel","startTime":775.4749990000001,"endTime":775.7449990000002,"body":"L"},{"speaker":"Treichel","startTime":775.7449990000002,"endTime":775.8549985000002,"body":"A"},{"speaker":"Treichel","startTime":775.8549985000002,"endTime":776.0949980000001,"body":"R,"},{"speaker":"Treichel","startTime":776.0949990000001,"endTime":776.2349985000002,"body":"you'll"},{"speaker":"Treichel","startTime":776.2349985000002,"endTime":776.4249980000002,"body":"hear"},{"speaker":"Treichel","startTime":776.4249990000002,"endTime":776.6649990000002,"body":"that"},{"speaker":"Treichel","startTime":776.6649990000002,"endTime":777.0049990000002,"body":"term"},{"speaker":"Treichel","startTime":777.0049990000002,"endTime":777.1449985000002,"body":"in"},{"speaker":"Treichel","startTime":777.1449985000002,"endTime":777.4549980000002,"body":"connection"},{"speaker":"Treichel","startTime":777.4649990000001,"endTime":777.6249990000002,"body":"with"},{"speaker":"Treichel","startTime":777.6249990000002,"endTime":778.0249990000002,"body":"HMDA,"},{"speaker":"Treichel","startTime":778.4349980000003,"endTime":778.6349980000002,"body":"and"},{"speaker":"Treichel","startTime":778.6349990000002,"endTime":778.7349990000002,"body":"there"},{"speaker":"Treichel","startTime":778.7349990000002,"endTime":778.8349990000003,"body":"is"},{"speaker":"Treichel","startTime":778.8349990000003,"endTime":778.9249990000003,"body":"a"},{"speaker":"Treichel","startTime":778.9250000000003,"endTime":779.7750000000002,"body":"requirement"},{"speaker":"Treichel","startTime":779.8649980000002,"endTime":780.4149980000002,"body":"that"},{"speaker":"Treichel","startTime":780.5649990000003,"endTime":780.6449990000002,"body":"the"},{"speaker":"Treichel","startTime":780.6449990000002,"endTime":781.1949990000003,"body":"financial"},{"speaker":"Treichel","startTime":781.1949990000003,"endTime":781.7549990000002,"body":"institution"},{"speaker":"Treichel","startTime":781.7549990000002,"endTime":782.1649990000002,"body":"subject"},{"speaker":"Treichel","startTime":782.1749990000003,"endTime":782.3149990000003,"body":"to"},{"speaker":"Treichel","startTime":782.3149990000003,"endTime":782.8449990000003,"body":"HMDA"},{"speaker":"Treichel","startTime":783.0249990000002,"endTime":783.7249990000003,"body":"update"},{"speaker":"Treichel","startTime":784.0049990000002,"endTime":784.1449990000002,"body":"The"},{"speaker":"Treichel","startTime":784.1449990000002,"endTime":784.5149990000002,"body":"law"},{"speaker":"Treichel","startTime":784.5249990000002,"endTime":784.9949990000002,"body":"are"},{"speaker":"Treichel","startTime":785.8349990000002,"endTime":786.2549990000001,"body":"within"},{"speaker":"Treichel","startTime":786.2549990000001,"endTime":786.7449990000001,"body":"30"},{"speaker":"Treichel","startTime":786.7749990000001,"endTime":787.4049990000001,"body":"days"},{"speaker":"Treichel","startTime":787.4349990000001,"endTime":787.6149990000001,"body":"of"},{"speaker":"Treichel","startTime":787.6149990000001,"endTime":787.7549990000001,"body":"the"},{"speaker":"Treichel","startTime":787.7549990000001,"endTime":787.9449990000002,"body":"end"},{"speaker":"Treichel","startTime":787.9449990000002,"endTime":788.1049990000001,"body":"of"},{"speaker":"Treichel","startTime":788.1049990000001,"endTime":788.3249990000002,"body":"each"},{"speaker":"Treichel","startTime":788.3349990000002,"endTime":788.9349990000001,"body":"calendar"},{"speaker":"Treichel","startTime":788.9349990000001,"endTime":789.4649990000001,"body":"quarter."},{"speaker":"Treichel","startTime":790.0349990000001,"endTime":790.2649990000001,"body":"So,"},{"speaker":"Treichel","startTime":790.2649990000001,"endTime":790.4349990000001,"body":"for"},{"speaker":"Treichel","startTime":790.4349990000001,"endTime":791.1649990000001,"body":"example,"},{"speaker":"Treichel","startTime":791.2549990000001,"endTime":791.4849990000001,"body":"for"},{"speaker":"Treichel","startTime":791.4849990000001,"endTime":791.7249990000001,"body":"this"},{"speaker":"Treichel","startTime":791.7249990000001,"endTime":792.0449990000001,"body":"year,"},{"speaker":"Treichel","startTime":792.0449990000001,"endTime":792.1949990000002,"body":"we're"},{"speaker":"Treichel","startTime":792.2049990000002,"endTime":792.5349990000001,"body":"coming"},{"speaker":"Treichel","startTime":792.5349990000001,"endTime":792.6949990000002,"body":"on"},{"speaker":"Treichel","startTime":792.6949990000002,"endTime":793.0149990000001,"body":"the,"},{"speaker":"Treichel","startTime":793.0449990000001,"endTime":793.5949990000001,"body":"um,"},{"speaker":"Treichel","startTime":793.8349990000002,"endTime":794.0349990000001,"body":"what's"},{"speaker":"Treichel","startTime":794.0349990000001,"endTime":794.5349990000001,"body":"today"},{"speaker":"Treichel","startTime":794.5949990000001,"endTime":794.8249990000002,"body":"when"},{"speaker":"Treichel","startTime":794.8249990000002,"endTime":794.9749985000001,"body":"we're"},{"speaker":"Treichel","startTime":794.9749985000001,"endTime":795.4349980000001,"body":"recording"},{"speaker":"Treichel","startTime":795.4349980000001,"endTime":795.5949980000001,"body":"this"},{"speaker":"Treichel","startTime":795.6449980000001,"endTime":795.7749980000001,"body":"is"},{"speaker":"Treichel","startTime":795.7749990000001,"endTime":796.0149985000002,"body":"close"},{"speaker":"Treichel","startTime":796.0149985000002,"endTime":796.1149980000001,"body":"to"},{"speaker":"Treichel","startTime":796.1149990000001,"endTime":796.2549990000001,"body":"the"},{"speaker":"Treichel","startTime":796.2549990000001,"endTime":796.3849990000001,"body":"end"},{"speaker":"Treichel","startTime":796.3849990000001,"endTime":796.5149985000002,"body":"of"},{"speaker":"Treichel","startTime":796.5149985000002,"endTime":796.9649980000002,"body":"April."},{"speaker":"Treichel","startTime":797.0049990000001,"endTime":797.3149990000001,"body":"So,"},{"speaker":"Treichel","startTime":797.4749980000001,"endTime":797.8049980000001,"body":"very"},{"speaker":"Treichel","startTime":797.8149980000001,"endTime":798.3649980000001,"body":"soon,"},{"speaker":"Treichel","startTime":798.3849990000001,"endTime":798.6149990000001,"body":"the"},{"speaker":"Treichel","startTime":798.6249990000001,"endTime":799.0749990000002,"body":"alarm"},{"speaker":"Treichel","startTime":799.0849990000002,"endTime":799.3249990000002,"body":"must"},{"speaker":"Treichel","startTime":799.3349990000002,"endTime":799.9949990000001,"body":"contain"},{"speaker":"Treichel","startTime":800.0049990000001,"endTime":800.2849990000001,"body":"all"},{"speaker":"Treichel","startTime":800.2849990000001,"endTime":800.4649990000001,"body":"the"},{"speaker":"Treichel","startTime":800.5349990000001,"endTime":801.3049985000001,"body":"transaction"},{"speaker":"Treichel","startTime":801.3049985000001,"endTime":801.6749980000001,"body":"data"},{"speaker":"Treichel","startTime":801.6749990000001,"endTime":802.1949990000002,"body":"for"},{"speaker":"Treichel","startTime":802.2049980000002,"endTime":802.8249980000002,"body":"January,"},{"speaker":"Treichel","startTime":802.8249990000002,"endTime":803.3549990000001,"body":"February"},{"speaker":"Treichel","startTime":803.3549990000001,"endTime":803.4949990000001,"body":"and"},{"speaker":"Treichel","startTime":803.4949990000001,"endTime":803.8749990000001,"body":"March"},{"speaker":"Treichel","startTime":803.9249990000001,"endTime":804.1949990000002,"body":"of"},{"speaker":"Treichel","startTime":805.0049990000001,"endTime":805.3249990000002,"body":"2022."},{"speaker":"Treichel","startTime":805.6149990000001,"endTime":805.8449990000001,"body":"Now,"},{"speaker":"Treichel","startTime":805.8649990000001,"endTime":806.3749990000001,"body":"except"},{"speaker":"Treichel","startTime":806.3749990000001,"endTime":806.5649990000001,"body":"for"},{"speaker":"Treichel","startTime":806.5849990000002,"endTime":806.8049990000001,"body":"some"},{"speaker":"Treichel","startTime":806.8349990000002,"endTime":807.3549990000001,"body":"very"},{"speaker":"Treichel","startTime":807.3549990000001,"endTime":807.6849990000001,"body":"large"},{"speaker":"Treichel","startTime":807.6849990000001,"endTime":808.5849990000002,"body":"institutions,"},{"speaker":"Treichel","startTime":808.7749990000001,"endTime":808.8649990000001,"body":"I"},{"speaker":"Treichel","startTime":808.8649990000001,"endTime":809.0849990000002,"body":"think"},{"speaker":"Treichel","startTime":809.0849990000002,"endTime":809.2149990000001,"body":"there"},{"speaker":"Treichel","startTime":809.2149990000001,"endTime":809.4349990000001,"body":"might"},{"speaker":"Treichel","startTime":809.4349990000001,"endTime":809.6549990000001,"body":"be"},{"speaker":"Treichel","startTime":809.6849990000001,"endTime":809.9249990000001,"body":"just"},{"speaker":"Treichel","startTime":809.9249990000001,"endTime":809.9749990000001,"body":"a"},{"speaker":"Treichel","startTime":809.9749990000001,"endTime":810.3149990000001,"body":"couple"},{"speaker":"Treichel","startTime":810.3149990000001,"endTime":810.4549990000002,"body":"of"},{"speaker":"Treichel","startTime":810.4549990000002,"endTime":810.7149990000001,"body":"credit"},{"speaker":"Treichel","startTime":810.7249990000001,"endTime":811.0649990000001,"body":"unions"},{"speaker":"Treichel","startTime":811.0949990000001,"endTime":811.1949990000002,"body":"that"},{"speaker":"Treichel","startTime":811.1949990000002,"endTime":811.4349985000001,"body":"fall"},{"speaker":"Treichel","startTime":811.4349985000001,"endTime":811.4949980000001,"body":"in"},{"speaker":"Treichel","startTime":811.4949990000001,"endTime":811.6749990000001,"body":"that"},{"speaker":"Treichel","startTime":811.6749990000001,"endTime":812.4649990000001,"body":"category."},{"speaker":"Treichel","startTime":812.7599990000001,"endTime":813.1299990000001,"body":"That"},{"speaker":"Treichel","startTime":813.1799990000002,"endTime":813.5399990000001,"body":"data"},{"speaker":"Treichel","startTime":813.5399990000001,"endTime":813.8299990000002,"body":"is"},{"speaker":"Treichel","startTime":813.8299990000002,"endTime":814.1899990000002,"body":"only"},{"speaker":"Treichel","startTime":814.2399990000001,"endTime":815.0599990000002,"body":"collected"},{"speaker":"Treichel","startTime":815.0699990000002,"endTime":815.2599990000001,"body":"and"},{"speaker":"Treichel","startTime":815.2599990000001,"endTime":815.3399990000001,"body":"the"},{"speaker":"Treichel","startTime":815.3399990000001,"endTime":815.8699990000001,"body":"law"},{"speaker":"Treichel","startTime":815.9099990000001,"endTime":816.1199990000001,"body":"is"},{"speaker":"Treichel","startTime":816.1399990000001,"endTime":816.4399990000002,"body":"being"},{"speaker":"Treichel","startTime":816.4399990000002,"endTime":817.0899990000001,"body":"updated"},{"speaker":"Treichel","startTime":817.1599990000001,"endTime":817.2999990000002,"body":"and"},{"speaker":"Treichel","startTime":817.2999990000002,"endTime":817.4899990000001,"body":"it's"},{"speaker":"Treichel","startTime":817.4899990000001,"endTime":818.1399990000001,"body":"internal."},{"speaker":"Treichel","startTime":818.1399990000001,"endTime":818.3199990000002,"body":"It's"},{"speaker":"Treichel","startTime":818.3199990000002,"endTime":818.5599990000002,"body":"not"},{"speaker":"Treichel","startTime":818.5899990000001,"endTime":818.9599990000002,"body":"being"},{"speaker":"Treichel","startTime":818.9599990000002,"endTime":819.5899990000001,"body":"reported"},{"speaker":"Treichel","startTime":819.6199990000001,"endTime":819.9799990000001,"body":"until"},{"speaker":"Treichel","startTime":819.9799990000001,"endTime":820.2399990000001,"body":"the"},{"speaker":"Treichel","startTime":820.2799990000001,"endTime":820.5799990000002,"body":"end"},{"speaker":"Treichel","startTime":820.5899990000001,"endTime":820.7199990000001,"body":"of"},{"speaker":"Treichel","startTime":820.7199990000001,"endTime":820.9599990000002,"body":"the."},{"speaker":"Treichel","startTime":821.2699990000001,"endTime":821.4899990000001,"body":"There"},{"speaker":"Treichel","startTime":821.4899990000001,"endTime":821.5599990000002,"body":"are"},{"speaker":"Treichel","startTime":821.5599990000002,"endTime":821.7099990000002,"body":"to"},{"speaker":"Treichel","startTime":821.7099990000002,"endTime":821.9099990000001,"body":"the"},{"speaker":"Treichel","startTime":821.9199990000002,"endTime":822.2199990000001,"body":"next,"},{"speaker":"Treichel","startTime":822.4499980000002,"endTime":822.5799980000002,"body":"the"},{"speaker":"Treichel","startTime":822.5799980000002,"endTime":823.3199980000002,"body":"reporting"},{"speaker":"Treichel","startTime":823.5399980000001,"endTime":823.8399980000002,"body":"date"},{"speaker":"Treichel","startTime":823.8499990000001,"endTime":824.0099990000001,"body":"of"},{"speaker":"Treichel","startTime":824.2999990000002,"endTime":824.6199990000001,"body":"March"},{"speaker":"Treichel","startTime":824.6299990000001,"endTime":824.7499990000001,"body":"1,"},{"speaker":"Treichel","startTime":824.9099980000001,"endTime":826.4399980000002,"body":"2023."},{"speaker":"Treichel","startTime":827.4099990000001,"endTime":827.6399990000001,"body":"there"},{"speaker":"Treichel","startTime":827.6399990000001,"endTime":827.8099985000001,"body":"is"},{"speaker":"Treichel","startTime":827.8099985000001,"endTime":827.8899980000001,"body":"a"},{"speaker":"Treichel","startTime":827.8899990000001,"endTime":828.7399990000001,"body":"requirement"},{"speaker":"Treichel","startTime":828.7899990000001,"endTime":829.0499990000001,"body":"that"},{"speaker":"Treichel","startTime":829.0599980000001,"endTime":829.3999980000001,"body":"every"},{"speaker":"Treichel","startTime":829.3999980000001,"endTime":829.8299980000002,"body":"quarter"},{"speaker":"Treichel","startTime":829.8499990000001,"endTime":830.3799990000001,"body":"larvae"},{"speaker":"Treichel","startTime":830.3999980000001,"endTime":830.9699980000001,"body":"updated."},{"speaker":"Treichel","startTime":832.0999990000001,"endTime":832.2499990000002,"body":"And"},{"speaker":"Treichel","startTime":832.2499990000002,"endTime":832.4399990000002,"body":"just"},{"speaker":"Treichel","startTime":832.4399990000002,"endTime":832.5799990000002,"body":"so"},{"speaker":"Treichel","startTime":832.5799990000002,"endTime":832.8199990000002,"body":"you're"},{"speaker":"Treichel","startTime":832.8199990000002,"endTime":833.4499990000002,"body":"aware,"},{"speaker":"Treichel","startTime":833.4999990000002,"endTime":834.0699990000002,"body":"the"},{"speaker":"Treichel","startTime":834.1799990000002,"endTime":834.8599990000002,"body":"database"},{"speaker":"Treichel","startTime":834.8599990000002,"endTime":835.0399990000002,"body":"to"},{"speaker":"Treichel","startTime":835.0399990000002,"endTime":835.3299990000002,"body":"which"},{"speaker":"Treichel","startTime":835.3599990000002,"endTime":835.5899990000001,"body":"the"},{"speaker":"Treichel","startTime":835.5999990000001,"endTime":835.9099990000002,"body":"data"},{"speaker":"Treichel","startTime":835.9099990000002,"endTime":836.1099990000002,"body":"is"},{"speaker":"Treichel","startTime":836.1399990000002,"endTime":836.6299990000002,"body":"submitted"},{"speaker":"Treichel","startTime":836.6399990000002,"endTime":836.8899990000002,"body":"will"},{"speaker":"Treichel","startTime":836.8899990000002,"endTime":837.4399990000002,"body":"accept"},{"speaker":"Treichel","startTime":837.4400990000001,"endTime":839.0198990000002,"body":"if"},{"speaker":"Treichel","startTime":839.0199990000002,"endTime":839.1799990000002,"body":"they"},{"speaker":"Treichel","startTime":839.1799990000002,"endTime":839.3399990000001,"body":"are"},{"speaker":"Treichel","startTime":839.3399990000001,"endTime":839.6599990000002,"body":"kept"},{"speaker":"Treichel","startTime":840.0799990000002,"endTime":840.7599990000002,"body":"format"},{"speaker":"Treichel","startTime":840.8099990000002,"endTime":841.0199990000002,"body":"that's"},{"speaker":"Treichel","startTime":841.0199990000002,"endTime":841.5999985000002,"body":"compatible"},{"speaker":"Treichel","startTime":841.5999985000002,"endTime":841.7799980000002,"body":"with"},{"speaker":"Treichel","startTime":841.7899990000002,"endTime":841.8699990000002,"body":"the"},{"speaker":"Treichel","startTime":841.8699990000002,"endTime":842.3599990000002,"body":"database."},{"speaker":"Treichel","startTime":842.3899980000002,"endTime":842.4999980000002,"body":"So,"},{"speaker":"Treichel","startTime":842.4999990000002,"endTime":842.6999990000002,"body":"that"},{"speaker":"Treichel","startTime":842.7499990000002,"endTime":843.4399990000002,"body":"actually"},{"speaker":"Treichel","startTime":843.6699990000002,"endTime":844.3299990000002,"body":"compiling"},{"speaker":"Treichel","startTime":844.3299990000002,"endTime":844.4399990000002,"body":"on"},{"speaker":"Treichel","startTime":844.4399990000002,"endTime":844.4899990000002,"body":"a"},{"speaker":"Treichel","startTime":844.4899990000002,"endTime":844.9299985000002,"body":"quarterly"},{"speaker":"Treichel","startTime":844.9299985000002,"endTime":845.3599980000002,"body":"basis"},{"speaker":"Treichel","startTime":845.3999990000002,"endTime":845.5699990000002,"body":"is"},{"speaker":"Treichel","startTime":845.5699990000002,"endTime":845.6399985000002,"body":"a"},{"speaker":"Treichel","startTime":845.6399985000002,"endTime":845.9899980000002,"body":"help"},{"speaker":"Treichel","startTime":846.0099980000002,"endTime":846.5599980000002,"body":"because"},{"speaker":"Treichel","startTime":846.5599990000002,"endTime":846.7099990000002,"body":"it"},{"speaker":"Treichel","startTime":846.7199980000001,"endTime":846.9799980000001,"body":"makes"},{"speaker":"Treichel","startTime":846.9799990000002,"endTime":847.0899990000001,"body":"it"},{"speaker":"Treichel","startTime":847.0999980000001,"endTime":847.3599980000002,"body":"much"},{"speaker":"Treichel","startTime":847.3599990000002,"endTime":847.8699990000002,"body":"easier"},{"speaker":"Treichel","startTime":847.9800000000002,"endTime":848.1299995000002,"body":"to"},{"speaker":"Treichel","startTime":848.1299995000002,"endTime":848.5499990000002,"body":"report"},{"speaker":"Treichel","startTime":848.5499990000002,"endTime":848.7299990000002,"body":"the"},{"speaker":"Treichel","startTime":848.7300000000002,"endTime":849.1500000000002,"body":"annual"},{"speaker":"Treichel","startTime":849.1599980000002,"endTime":849.4899980000002,"body":"data"},{"speaker":"Treichel","startTime":849.4999980000002,"endTime":849.6799980000002,"body":"when"},{"speaker":"Treichel","startTime":849.6800980000002,"endTime":849.9498990000002,"body":"that."},{"speaker":"Treichel","startTime":850.0499990000002,"endTime":850.3699990000001,"body":"Annual"},{"speaker":"Treichel","startTime":850.3799990000001,"endTime":850.6099990000001,"body":"data"},{"speaker":"Treichel","startTime":850.6199990000001,"endTime":850.8399990000001,"body":"is"},{"speaker":"Treichel","startTime":850.8399990000001,"endTime":851.1299990000001,"body":"due."},{"speaker":"Treichel","startTime":851.4599990000002,"endTime":851.7099990000002,"body":"It's"},{"speaker":"Treichel","startTime":851.7099990000002,"endTime":852.0699990000002,"body":"like,"},{"speaker":"Treichel","startTime":852.0699990000002,"endTime":852.4399990000002,"body":"uh,"},{"speaker":"Treichel","startTime":853.0999990000003,"endTime":853.8799990000002,"body":"reconciling"},{"speaker":"Treichel","startTime":853.8799990000002,"endTime":854.0299990000002,"body":"your"},{"speaker":"Treichel","startTime":854.0399990000002,"endTime":854.2899990000002,"body":"bank"},{"speaker":"Treichel","startTime":854.2899990000002,"endTime":854.6599990000002,"body":"account"},{"speaker":"Treichel","startTime":854.6699990000002,"endTime":854.9199990000002,"body":"once"},{"speaker":"Treichel","startTime":854.9199990000002,"endTime":854.9899990000002,"body":"a"},{"speaker":"Treichel","startTime":854.9899990000002,"endTime":855.2899990000002,"body":"month"},{"speaker":"Treichel","startTime":855.2899990000002,"endTime":855.3499990000003,"body":"or"},{"speaker":"Treichel","startTime":855.3499990000003,"endTime":855.6199990000002,"body":"once"},{"speaker":"Treichel","startTime":855.6199990000002,"endTime":855.6599990000002,"body":"a"},{"speaker":"Treichel","startTime":855.6599990000002,"endTime":855.9599990000002,"body":"year."},{"speaker":"Treichel","startTime":856.0299990000002,"endTime":856.7299990000002,"body":"Exactly."},{"speaker":"Treichel","startTime":856.8399990000001,"endTime":856.9899990000002,"body":"So"},{"speaker":"Treichel","startTime":856.9899990000002,"endTime":857.0499990000002,"body":"I"},{"speaker":"Treichel","startTime":857.0499990000002,"endTime":857.2599990000002,"body":"just"},{"speaker":"Treichel","startTime":857.2599990000002,"endTime":857.3699990000002,"body":"going"},{"speaker":"Treichel","startTime":857.3699990000002,"endTime":857.4399990000002,"body":"to"},{"speaker":"Treichel","startTime":857.4699990000003,"endTime":857.6799990000002,"body":"say"},{"speaker":"Treichel","startTime":857.6799990000002,"endTime":857.9899990000002,"body":"that"},{"speaker":"Treichel","startTime":858.1199990000002,"endTime":858.1699990000002,"body":"I"},{"speaker":"Treichel","startTime":858.1799990000002,"endTime":858.3499990000003,"body":"just"},{"speaker":"Treichel","startTime":858.3499990000003,"endTime":858.4799990000002,"body":"want"},{"speaker":"Treichel","startTime":858.4799990000002,"endTime":858.5499990000002,"body":"to"},{"speaker":"Treichel","startTime":858.5499990000002,"endTime":859.1199990000002,"body":"reiterate"},{"speaker":"Treichel","startTime":859.1699980000002,"endTime":859.5199980000002,"body":"that"},{"speaker":"Treichel","startTime":859.5399990000002,"endTime":860.0499990000002,"body":"the"},{"speaker":"Treichel","startTime":860.1099990000002,"endTime":860.5799990000002,"body":"actual"},{"speaker":"Treichel","startTime":860.6099990000002,"endTime":861.3199990000002,"body":"submission"},{"speaker":"Treichel","startTime":861.3299990000002,"endTime":861.8299990000002,"body":"is"},{"speaker":"Treichel","startTime":862.3299990000002,"endTime":862.8199990000002,"body":"March"},{"speaker":"Treichel","startTime":862.8199990000002,"endTime":863.2299990000002,"body":"1st"},{"speaker":"Treichel","startTime":863.5499990000002,"endTime":863.7199990000003,"body":"in"},{"speaker":"Treichel","startTime":863.7199990000003,"endTime":863.8199990000002,"body":"the"},{"speaker":"Treichel","startTime":863.8199990000002,"endTime":864.1599990000002,"body":"year"},{"speaker":"Treichel","startTime":864.2199990000003,"endTime":864.7799990000002,"body":"following"},{"speaker":"Treichel","startTime":864.7999990000002,"endTime":865.1899990000002,"body":"the"},{"speaker":"Treichel","startTime":865.2099980000002,"endTime":865.6799980000002,"body":"calendar"},{"speaker":"Treichel","startTime":865.6999990000002,"endTime":865.9599990000002,"body":"year"},{"speaker":"Treichel","startTime":866.2899990000002,"endTime":866.4799985000002,"body":"that"},{"speaker":"Treichel","startTime":866.4799985000002,"endTime":866.5699980000002,"body":"the"},{"speaker":"Treichel","startTime":866.5699980000002,"endTime":866.7499980000002,"body":"day"},{"speaker":"Treichel","startTime":866.7499980000002,"endTime":866.8899980000002,"body":"is"},{"speaker":"Treichel","startTime":866.8899980000002,"endTime":867.2899980000002,"body":"collected"},{"speaker":"Treichel","startTime":867.2899990000002,"endTime":867.4599990000002,"body":"in."},{"speaker":"Treichel","startTime":868.1799990000002,"endTime":868.4299990000002,"body":"So,"},{"speaker":"Treichel","startTime":868.4499980000002,"endTime":868.7999980000002,"body":"March"},{"speaker":"Treichel","startTime":868.7999990000002,"endTime":868.9599990000002,"body":"of"},{"speaker":"Treichel","startTime":868.9599990000002,"endTime":869.4199990000002,"body":"2022,"},{"speaker":"Treichel","startTime":869.4199990000002,"endTime":869.8799990000002,"body":"they"},{"speaker":"Treichel","startTime":870.7699990000002,"endTime":870.8899990000002,"body":"would"},{"speaker":"Treichel","startTime":870.8899990000002,"endTime":871.0499990000002,"body":"have"},{"speaker":"Treichel","startTime":871.0599990000002,"endTime":871.9799990000002,"body":"collected."},{"speaker":"Treichel","startTime":874.5549990000002,"endTime":875.2549990000001,"body":"2021."},{"speaker":"Treichel","startTime":875.4949990000001,"endTime":876.0149990000001,"body":"Correct."},{"speaker":"Treichel","startTime":876.3049990000001,"endTime":876.5149990000001,"body":"Got"},{"speaker":"Treichel","startTime":876.5149990000001,"endTime":876.6149990000001,"body":"it."},{"speaker":"Treichel","startTime":876.694999,"endTime":876.954999,"body":"Right."},{"speaker":"Treichel","startTime":876.964999,"endTime":877.1749990000001,"body":"So,"},{"speaker":"Treichel","startTime":877.344999,"endTime":877.8949990000001,"body":"exactly."},{"speaker":"Treichel","startTime":877.8949990000001,"endTime":878.0649990000001,"body":"And"},{"speaker":"Treichel","startTime":878.1749990000001,"endTime":878.3649990000001,"body":"the"},{"speaker":"Treichel","startTime":878.3649990000001,"endTime":878.6849990000001,"body":"data"},{"speaker":"Treichel","startTime":878.6849990000001,"endTime":878.854999,"body":"that's"},{"speaker":"Treichel","startTime":878.8649990000001,"endTime":879.074999,"body":"being"},{"speaker":"Treichel","startTime":879.074999,"endTime":879.5049990000001,"body":"collected"},{"speaker":"Treichel","startTime":879.5049990000001,"endTime":879.724999,"body":"now"},{"speaker":"Treichel","startTime":879.724999,"endTime":879.824999,"body":"in"},{"speaker":"Treichel","startTime":879.824999,"endTime":880.3849990000001,"body":"2022"},{"speaker":"Treichel","startTime":880.6749990000001,"endTime":880.824999,"body":"will"},{"speaker":"Treichel","startTime":880.834999,"endTime":880.9949990000001,"body":"be"},{"speaker":"Treichel","startTime":880.9949990000001,"endTime":881.5249990000001,"body":"reported"},{"speaker":"Treichel","startTime":881.5249990000001,"endTime":881.6449990000001,"body":"in"},{"speaker":"Treichel","startTime":881.974998,"endTime":882.6249980000001,"body":"2023."},{"speaker":"Treichel","startTime":883.0949990000001,"endTime":883.3749990000001,"body":"So,"},{"speaker":"Treichel","startTime":883.8449990000001,"endTime":884.6349990000001,"body":"technically,"},{"speaker":"Treichel","startTime":884.7949980000001,"endTime":885.3049980000001,"body":"the"},{"speaker":"Treichel","startTime":885.3149990000001,"endTime":885.7749990000001,"body":"data"},{"speaker":"Treichel","startTime":885.7849990000001,"endTime":886.1849990000001,"body":"is"},{"speaker":"Treichel","startTime":886.194999,"endTime":886.6849990000001,"body":"submitted"},{"speaker":"Treichel","startTime":886.694999,"endTime":886.944999,"body":"to"},{"speaker":"Treichel","startTime":886.944999,"endTime":887.0649990000001,"body":"the"},{"speaker":"Treichel","startTime":887.0649990000001,"endTime":887.6649985000001,"body":"financial"},{"speaker":"Treichel","startTime":887.6649985000001,"endTime":888.464998,"body":"regulator."},{"speaker":"Treichel","startTime":889.0149990000002,"endTime":889.2949990000002,"body":"So,"},{"speaker":"Treichel","startTime":889.2949990000002,"endTime":889.4849985000002,"body":"for"},{"speaker":"Treichel","startTime":889.4849985000002,"endTime":889.7749980000002,"body":"all"},{"speaker":"Treichel","startTime":889.7849980000002,"endTime":890.3949980000002,"body":"federally"},{"speaker":"Treichel","startTime":890.3949980000002,"endTime":891.4349980000002,"body":"insured"},{"speaker":"Treichel","startTime":891.6349980000002,"endTime":891.9149980000002,"body":"credit"},{"speaker":"Treichel","startTime":891.9249990000002,"endTime":892.5049990000002,"body":"unions."},{"speaker":"Treichel","startTime":893.074999,"endTime":893.2549990000001,"body":"That"},{"speaker":"Treichel","startTime":893.2549990000001,"endTime":893.734999,"body":"includes"},{"speaker":"Treichel","startTime":893.734999,"endTime":894.0049990000001,"body":"state"},{"speaker":"Treichel","startTime":894.0049990000001,"endTime":894.5149990000001,"body":"charters"},{"speaker":"Treichel","startTime":894.5149990000001,"endTime":894.6349990000001,"body":"that"},{"speaker":"Treichel","startTime":894.6349990000001,"endTime":894.694999,"body":"are"},{"speaker":"Treichel","startTime":894.694999,"endTime":895.1449990000001,"body":"federally"},{"speaker":"Treichel","startTime":895.1449990000001,"endTime":895.8049990000001,"body":"insured."},{"speaker":"Treichel","startTime":896.1949990000002,"endTime":896.4949990000001,"body":"That"},{"speaker":"Treichel","startTime":896.4949990000001,"endTime":896.7949990000001,"body":"data"},{"speaker":"Treichel","startTime":896.7949990000001,"endTime":897.0949990000001,"body":"is"},{"speaker":"Treichel","startTime":897.0949990000001,"endTime":897.3349990000002,"body":"being"},{"speaker":"Treichel","startTime":897.3349990000002,"endTime":897.7849990000001,"body":"submitted"},{"speaker":"Treichel","startTime":897.7849990000001,"endTime":897.9049990000001,"body":"to"},{"speaker":"Treichel","startTime":898.4599990000002,"endTime":899.0599990000002,"body":"NCUA,"},{"speaker":"Treichel","startTime":899.3749990000001,"endTime":900.1249990000001,"body":"however,"},{"speaker":"Treichel","startTime":900.1249990000001,"endTime":900.3349990000002,"body":"it"},{"speaker":"Treichel","startTime":900.3349990000002,"endTime":900.5149990000001,"body":"is"},{"speaker":"Treichel","startTime":900.5149990000001,"endTime":901.2349990000001,"body":"submitted"},{"speaker":"Treichel","startTime":901.7449990000001,"endTime":901.8949990000001,"body":"to"},{"speaker":"Treichel","startTime":901.8949990000001,"endTime":901.9849990000001,"body":"a"},{"speaker":"Treichel","startTime":901.9849990000001,"endTime":902.7049990000002,"body":"database"},{"speaker":"Treichel","startTime":902.7049990000002,"endTime":902.9749990000001,"body":"that"},{"speaker":"Treichel","startTime":902.9749990000001,"endTime":903.2749990000001,"body":"is"},{"speaker":"Treichel","startTime":903.2749990000001,"endTime":903.9649990000001,"body":"maintained"},{"speaker":"Treichel","startTime":903.9649990000001,"endTime":904.1149990000001,"body":"by"},{"speaker":"Treichel","startTime":904.1149990000001,"endTime":904.2649990000001,"body":"the"},{"speaker":"Treichel","startTime":904.2649990000001,"endTime":905.3749990000001,"body":"CFPB,"},{"speaker":"Treichel","startTime":905.5849990000002,"endTime":905.7349990000001,"body":"and"},{"speaker":"Treichel","startTime":905.7349990000001,"endTime":905.8549990000001,"body":"you"},{"speaker":"Treichel","startTime":905.8549990000001,"endTime":905.9749990000001,"body":"can"},{"speaker":"Treichel","startTime":905.9749990000001,"endTime":906.5749990000002,"body":"actually"},{"speaker":"Treichel","startTime":906.7549990000001,"endTime":907.2049990000002,"body":"submit"},{"speaker":"Treichel","startTime":907.2049990000002,"endTime":907.3249990000002,"body":"it"},{"speaker":"Treichel","startTime":907.3249990000002,"endTime":907.9249990000002,"body":"through"},{"speaker":"Treichel","startTime":907.9849990000001,"endTime":908.1649990000001,"body":"the"},{"speaker":"Treichel","startTime":908.2249990000001,"endTime":909.6049990000001,"body":"FFIE"},{"speaker":"Treichel","startTime":909.6049990000001,"endTime":910.1449990000001,"body":"C'S"},{"speaker":"Treichel","startTime":910.2949990000001,"endTime":910.9549990000002,"body":"website."},{"speaker":"Treichel","startTime":911.1049990000001,"endTime":911.2549990000001,"body":"The"},{"speaker":"Treichel","startTime":911.2549990000001,"endTime":912.1849990000002,"body":"F-F-I-E-C"},{"speaker":"Treichel","startTime":912.2449990000001,"endTime":912.3649990000001,"body":"is"},{"speaker":"Treichel","startTime":912.3649990000001,"endTime":912.4249990000002,"body":"a"},{"speaker":"Treichel","startTime":912.4249990000002,"endTime":912.8149990000002,"body":"Federal"},{"speaker":"Treichel","startTime":912.8149990000002,"endTime":913.4449990000002,"body":"Financial"},{"speaker":"Treichel","startTime":913.4449990000002,"endTime":914.0749990000002,"body":"Institutions"},{"speaker":"Treichel","startTime":914.0749990000002,"endTime":914.8849990000001,"body":"Examination"},{"speaker":"Treichel","startTime":914.8849990000001,"endTime":915.5749990000002,"body":"Council,"},{"speaker":"Treichel","startTime":915.6349990000001,"endTime":915.9049990000001,"body":"but"},{"speaker":"Treichel","startTime":915.9949990000001,"endTime":916.7749990000001,"body":"technically"},{"speaker":"Treichel","startTime":916.7749990000001,"endTime":917.0449990000001,"body":"the"},{"speaker":"Treichel","startTime":917.0449990000001,"endTime":917.3749990000001,"body":"data"},{"speaker":"Treichel","startTime":917.3749990000001,"endTime":917.5249990000001,"body":"is"},{"speaker":"Treichel","startTime":917.5249990000001,"endTime":917.7049990000002,"body":"being"},{"speaker":"Treichel","startTime":917.7049990000002,"endTime":918.1549990000001,"body":"submitted"},{"speaker":"Treichel","startTime":918.1549990000001,"endTime":918.3049990000002,"body":"to"},{"speaker":"Treichel","startTime":918.3049990000002,"endTime":918.4549990000002,"body":"the"},{"speaker":"Treichel","startTime":918.4549990000002,"endTime":919.0549990000002,"body":"regulator,"},{"speaker":"Treichel","startTime":919.0549990000002,"endTime":919.2349990000001,"body":"so"},{"speaker":"Treichel","startTime":919.2349990000001,"endTime":919.3249990000002,"body":"it's"},{"speaker":"Treichel","startTime":919.3249990000002,"endTime":919.5949990000001,"body":"being,"},{"speaker":"Treichel","startTime":919.8049990000002,"endTime":919.9849990000001,"body":"for"},{"speaker":"Treichel","startTime":919.9849990000001,"endTime":920.2549990000001,"body":"credit"},{"speaker":"Treichel","startTime":920.2549990000001,"endTime":920.4949990000001,"body":"union,"},{"speaker":"Treichel","startTime":920.4949990000001,"endTime":920.6449990000001,"body":"it's"},{"speaker":"Treichel","startTime":920.6449990000001,"endTime":920.8849990000001,"body":"being"},{"speaker":"Treichel","startTime":921.1249990000001,"endTime":921.4849990000001,"body":"submitted"},{"speaker":"Treichel","startTime":921.4849990000001,"endTime":921.6649990000001,"body":"to"},{"speaker":"Treichel","startTime":921.6649990000001,"endTime":921.8749990000001,"body":"the"},{"speaker":"Treichel","startTime":921.8749990000001,"endTime":922.2599990000001,"body":"NCA."},{"speaker":"Treichel","startTime":922.834999,"endTime":922.9849990000001,"body":"The"},{"speaker":"Treichel","startTime":922.9849990000001,"endTime":923.5349990000001,"body":"CFPB"},{"speaker":"Treichel","startTime":923.5349990000001,"endTime":923.8549990000001,"body":"takes"},{"speaker":"Treichel","startTime":923.8549990000001,"endTime":923.9749990000001,"body":"the"},{"speaker":"Treichel","startTime":923.9749990000001,"endTime":924.4149990000001,"body":"data"},{"speaker":"Treichel","startTime":924.4249990000001,"endTime":924.454999,"body":"and"},{"speaker":"Treichel","startTime":924.454999,"endTime":924.9749990000001,"body":"provides"},{"speaker":"Treichel","startTime":924.9749990000001,"endTime":925.1049990000001,"body":"it"},{"speaker":"Treichel","startTime":925.1349990000001,"endTime":925.2949990000001,"body":"to"},{"speaker":"Treichel","startTime":925.2949990000001,"endTime":925.5049990000001,"body":"each"},{"speaker":"Treichel","startTime":925.5049990000001,"endTime":925.6149990000001,"body":"of"},{"speaker":"Treichel","startTime":925.6149990000001,"endTime":925.834999,"body":"the"},{"speaker":"Treichel","startTime":925.8549990000001,"endTime":926.2749990000001,"body":"federal"},{"speaker":"Treichel","startTime":926.2749990000001,"endTime":926.8949990000001,"body":"regulators."},{"speaker":"Treichel","startTime":927.5649990000002,"endTime":927.7649990000002,"body":"So"},{"speaker":"Treichel","startTime":927.7649990000002,"endTime":928.1049990000001,"body":"once"},{"speaker":"Treichel","startTime":928.1049990000001,"endTime":928.2649990000002,"body":"each"},{"speaker":"Treichel","startTime":928.2649990000002,"endTime":928.3549990000001,"body":"of"},{"speaker":"Treichel","startTime":928.3649990000001,"endTime":928.5249990000002,"body":"the"},{"speaker":"Treichel","startTime":928.5249990000002,"endTime":928.8749990000002,"body":"federal"},{"speaker":"Treichel","startTime":928.8749990000002,"endTime":929.5049990000002,"body":"regulator"},{"speaker":"Treichel","startTime":929.5249990000002,"endTime":929.8249990000002,"body":"gets"},{"speaker":"Treichel","startTime":929.8249990000002,"endTime":929.9749990000001,"body":"it"},{"speaker":"Treichel","startTime":929.9749990000001,"endTime":930.1049990000001,"body":"and"},{"speaker":"Treichel","startTime":930.1049990000001,"endTime":930.2949990000002,"body":"it's"},{"speaker":"Treichel","startTime":930.2949990000002,"endTime":930.4649990000001,"body":"been"},{"speaker":"Treichel","startTime":930.4649990000001,"endTime":931.1349990000002,"body":"reported,"},{"speaker":"Treichel","startTime":931.3949990000002,"endTime":931.5749985000002,"body":"what"},{"speaker":"Treichel","startTime":931.5749985000002,"endTime":931.6249980000001,"body":"do"},{"speaker":"Treichel","startTime":931.6249990000002,"endTime":931.7949990000002,"body":"they"},{"speaker":"Treichel","startTime":931.7949990000002,"endTime":931.9549990000002,"body":"do"},{"speaker":"Treichel","startTime":931.9549990000002,"endTime":932.1349990000002,"body":"with"},{"speaker":"Treichel","startTime":932.1349990000002,"endTime":932.4949990000001,"body":"it?"},{"speaker":"Treichel","startTime":932.5049990000002,"endTime":932.8749990000002,"body":"So"},{"speaker":"Treichel","startTime":932.8849990000002,"endTime":932.8949990000002,"body":"NCOA"},{"speaker":"Treichel","startTime":933.4549990000002,"endTime":933.7449985000002,"body":"has"},{"speaker":"Treichel","startTime":933.7449985000002,"endTime":933.9549980000002,"body":"it."},{"speaker":"Treichel","startTime":934.0849990000002,"endTime":934.2449985000002,"body":"You"},{"speaker":"Treichel","startTime":934.2449985000002,"endTime":934.3949980000002,"body":"said"},{"speaker":"Treichel","startTime":934.5049990000002,"endTime":934.6649990000002,"body":"the"},{"speaker":"Treichel","startTime":934.6649990000002,"endTime":935.2549990000002,"body":"CFPB"},{"speaker":"Treichel","startTime":935.2649990000002,"endTime":935.5649990000002,"body":"has"},{"speaker":"Treichel","startTime":935.5649990000002,"endTime":935.7949990000002,"body":"it."},{"speaker":"Treichel","startTime":935.9749990000001,"endTime":936.1049990000001,"body":"I"},{"speaker":"Treichel","startTime":936.1049990000001,"endTime":936.3949990000002,"body":"think"},{"speaker":"Treichel","startTime":936.4249990000002,"endTime":936.6649990000002,"body":"they"},{"speaker":"Treichel","startTime":936.6749990000002,"endTime":936.9549990000002,"body":"share"},{"speaker":"Treichel","startTime":936.9549990000002,"endTime":937.0149990000002,"body":"it"},{"speaker":"Treichel","startTime":937.0149990000002,"endTime":937.1949985000002,"body":"with"},{"speaker":"Treichel","startTime":937.1949985000002,"endTime":937.2249980000001,"body":"a"},{"speaker":"Treichel","startTime":937.2249990000001,"endTime":937.5049990000002,"body":"couple"},{"speaker":"Treichel","startTime":937.5049990000002,"endTime":937.7349985000002,"body":"other"},{"speaker":"Treichel","startTime":937.7349985000002,"endTime":938.3849980000002,"body":"agencies"},{"speaker":"Treichel","startTime":938.8449990000001,"endTime":939.0749985000001,"body":"like"},{"speaker":"Treichel","startTime":939.0749985000001,"endTime":939.8949980000001,"body":"HUD"},{"speaker":"Treichel","startTime":939.8950980000001,"endTime":939.9149985000001,"body":"and"},{"speaker":"Treichel","startTime":939.9149985000001,"endTime":939.9348990000001,"body":"DOJ."},{"speaker":"Treichel","startTime":939.9349990000001,"endTime":940.0649985000001,"body":"Could"},{"speaker":"Treichel","startTime":940.0649985000001,"endTime":940.1449980000001,"body":"you"},{"speaker":"Treichel","startTime":940.1449980000001,"endTime":940.6749980000001,"body":"explain"},{"speaker":"Treichel","startTime":941.2350000000001,"endTime":941.5049990000001,"body":"now"},{"speaker":"Treichel","startTime":941.5049990000001,"endTime":941.834998,"body":"that"},{"speaker":"Treichel","startTime":941.8749990000001,"endTime":942.1349990000001,"body":"that"},{"speaker":"Treichel","startTime":942.1349990000001,"endTime":942.2949990000001,"body":"is"},{"speaker":"Treichel","startTime":942.2949990000001,"endTime":942.454999,"body":"in"},{"speaker":"Treichel","startTime":942.454999,"endTime":942.574999,"body":"the"},{"speaker":"Treichel","startTime":942.574999,"endTime":943.0549990000001,"body":"domain"},{"speaker":"Treichel","startTime":943.0549990000001,"endTime":943.1649990000001,"body":"of"},{"speaker":"Treichel","startTime":943.1749990000001,"endTime":943.3849990000001,"body":"these"},{"speaker":"Treichel","startTime":943.3849990000001,"endTime":943.724999,"body":"federal"},{"speaker":"Treichel","startTime":943.724999,"endTime":944.1449990000001,"body":"agencies,"},{"speaker":"Treichel","startTime":944.1449990000001,"endTime":944.3149990000001,"body":"what"},{"speaker":"Treichel","startTime":944.3149990000001,"endTime":944.6349990000001,"body":"happens"},{"speaker":"Treichel","startTime":944.6449990000001,"endTime":944.7849990000001,"body":"with"},{"speaker":"Treichel","startTime":944.7849990000001,"endTime":944.954999,"body":"it?"},{"speaker":"Treichel","startTime":945.1649990000001,"endTime":945.5149990000001,"body":"Sure."},{"speaker":"Treichel","startTime":945.5449990000001,"endTime":945.8749990000001,"body":"Well,"},{"speaker":"Treichel","startTime":946.1549990000001,"endTime":946.444999,"body":"This"},{"speaker":"Treichel","startTime":946.574999,"endTime":946.874999,"body":"credit"},{"speaker":"Treichel","startTime":946.874999,"endTime":947.234999,"body":"union"},{"speaker":"Treichel","startTime":947.234999,"endTime":947.594999,"body":"data"},{"speaker":"Treichel","startTime":947.594999,"endTime":948.144999,"body":"includes"},{"speaker":"Treichel","startTime":948.1549990000001,"endTime":948.464999,"body":"all"},{"speaker":"Treichel","startTime":948.464999,"endTime":948.584999,"body":"the"},{"speaker":"Treichel","startTime":948.584999,"endTime":948.894999,"body":"data"},{"speaker":"Treichel","startTime":948.894999,"endTime":949.0649990000001,"body":"that"},{"speaker":"Treichel","startTime":949.0649990000001,"endTime":949.214999,"body":"is"},{"speaker":"Treichel","startTime":949.224999,"endTime":949.724999,"body":"submitted."},{"speaker":"Treichel","startTime":949.9149990000001,"endTime":950.104999,"body":"Some"},{"speaker":"Treichel","startTime":950.104999,"endTime":950.1749990000001,"body":"of"},{"speaker":"Treichel","startTime":950.1849990000001,"endTime":950.4349990000001,"body":"that"},{"speaker":"Treichel","startTime":950.444999,"endTime":950.9049990000001,"body":"data"},{"speaker":"Treichel","startTime":950.9349990000001,"endTime":951.344999,"body":"has"},{"speaker":"Treichel","startTime":951.354999,"endTime":951.504999,"body":"some"},{"speaker":"Treichel","startTime":951.6549990000001,"endTime":952.374999,"body":"identifiers"},{"speaker":"Treichel","startTime":952.384999,"endTime":952.524999,"body":"in"},{"speaker":"Treichel","startTime":952.524999,"endTime":952.714999,"body":"it."},{"speaker":"Treichel","startTime":953.004999,"endTime":953.3049990000001,"body":"So,"},{"speaker":"Treichel","startTime":953.3049990000001,"endTime":953.504999,"body":"that"},{"speaker":"Treichel","startTime":953.504999,"endTime":953.634999,"body":"is"},{"speaker":"Treichel","startTime":953.644999,"endTime":954.0249985,"body":"non"},{"speaker":"Treichel","startTime":954.0249985,"endTime":954.394998,"body":"public"},{"speaker":"Treichel","startTime":954.4149990000001,"endTime":954.874999,"body":"data"},{"speaker":"Treichel","startTime":955.3049990000001,"endTime":955.4349985,"body":"to"},{"speaker":"Treichel","startTime":955.4349985,"endTime":955.774998,"body":"protect"},{"speaker":"Treichel","startTime":955.774998,"endTime":955.874998,"body":"the"},{"speaker":"Treichel","startTime":955.874999,"endTime":956.764999,"body":"privacy"},{"speaker":"Treichel","startTime":956.8049990000001,"endTime":957.3049990000001,"body":"of"},{"speaker":"Treichel","startTime":957.5349990000001,"endTime":957.744999,"body":"the"},{"speaker":"Treichel","startTime":957.744999,"endTime":958.6749990000001,"body":"individuals"},{"speaker":"Treichel","startTime":958.704999,"endTime":958.9149990000001,"body":"whose"},{"speaker":"Treichel","startTime":958.9149990000001,"endTime":959.6549990000001,"body":"transactions"},{"speaker":"Treichel","startTime":959.6549990000001,"endTime":959.764999,"body":"are"},{"speaker":"Treichel","startTime":959.774998,"endTime":960.0449980000001,"body":"being"},{"speaker":"Treichel","startTime":960.0449990000001,"endTime":960.5649990000001,"body":"reported,"},{"speaker":"Treichel","startTime":961.004999,"endTime":961.2949990000001,"body":"but"},{"speaker":"Treichel","startTime":961.9049990000001,"endTime":962.0549990000001,"body":"will"},{"speaker":"Treichel","startTime":962.0549990000001,"endTime":962.2749985,"body":"get"},{"speaker":"Treichel","startTime":962.2749985,"endTime":962.384998,"body":"the"},{"speaker":"Treichel","startTime":962.384999,"endTime":962.874999,"body":"data"},{"speaker":"Treichel","startTime":962.884999,"endTime":963.574999,"body":"and"},{"speaker":"Treichel","startTime":963.604998,"endTime":963.8049980000001,"body":"the"},{"speaker":"Treichel","startTime":963.8049990000001,"endTime":964.224999,"body":"agency"},{"speaker":"Treichel","startTime":964.224999,"endTime":964.624999,"body":"uses"},{"speaker":"Treichel","startTime":964.644999,"endTime":964.764999,"body":"it"},{"speaker":"Treichel","startTime":964.7849990000001,"endTime":964.8149990000001,"body":"and"},{"speaker":"Treichel","startTime":964.824998,"endTime":965.384998,"body":"developing"},{"speaker":"Treichel","startTime":965.384999,"endTime":965.514999,"body":"its"},{"speaker":"Treichel","startTime":965.514999,"endTime":965.754999,"body":"fair"},{"speaker":"Treichel","startTime":965.754999,"endTime":966.144999,"body":"lending"},{"speaker":"Treichel","startTime":966.144999,"endTime":966.854999,"body":"program"},{"speaker":"Treichel","startTime":967.2949990000001,"endTime":967.754999,"body":"and"},{"speaker":"Treichel","startTime":967.834999,"endTime":968.2949990000001,"body":"it's"},{"speaker":"Treichel","startTime":968.334999,"endTime":968.6749990000001,"body":"different"},{"speaker":"Treichel","startTime":968.6749990000001,"endTime":969.0349990000001,"body":"ways"},{"speaker":"Treichel","startTime":969.0449990000001,"endTime":969.154999,"body":"that"},{"speaker":"Treichel","startTime":969.1549990000001,"endTime":969.3049990000001,"body":"we'll"},{"speaker":"Treichel","startTime":969.3049990000001,"endTime":969.504999,"body":"look"},{"speaker":"Treichel","startTime":969.504999,"endTime":969.624999,"body":"at"},{"speaker":"Treichel","startTime":969.624999,"endTime":969.724999,"body":"the"},{"speaker":"Treichel","startTime":969.724999,"endTime":970.154999,"body":"data"},{"speaker":"Treichel","startTime":970.1849990000001,"endTime":970.364999,"body":"to"},{"speaker":"Treichel","startTime":970.384999,"endTime":970.594999,"body":"look"},{"speaker":"Treichel","startTime":970.594999,"endTime":970.754999,"body":"to"},{"speaker":"Treichel","startTime":971.3149990000001,"endTime":971.7049990000002,"body":"For"},{"speaker":"Treichel","startTime":971.7049990000002,"endTime":972.4349990000001,"body":"compliance"},{"speaker":"Treichel","startTime":973.3049990000001,"endTime":973.4849990000001,"body":"for"},{"speaker":"Treichel","startTime":973.4849990000001,"endTime":973.5949990000001,"body":"the"},{"speaker":"Treichel","startTime":973.5949990000001,"endTime":974.0149990000001,"body":"industry"},{"speaker":"Treichel","startTime":974.0149990000001,"endTime":974.1349990000001,"body":"as"},{"speaker":"Treichel","startTime":974.1349990000001,"endTime":974.194999,"body":"a"},{"speaker":"Treichel","startTime":974.194999,"endTime":974.6649990000001,"body":"whole,"},{"speaker":"Treichel","startTime":974.694999,"endTime":974.824999,"body":"but"},{"speaker":"Treichel","startTime":974.824999,"endTime":975.194999,"body":"also"},{"speaker":"Treichel","startTime":975.194999,"endTime":975.4849990000001,"body":"then"},{"speaker":"Treichel","startTime":975.4949990000001,"endTime":975.6249990000001,"body":"to"},{"speaker":"Treichel","startTime":975.6249990000001,"endTime":975.9049990000001,"body":"look"},{"speaker":"Treichel","startTime":975.9049990000001,"endTime":976.0949990000001,"body":"for"},{"speaker":"Treichel","startTime":976.0949990000001,"endTime":976.6449990000001,"body":"specific"},{"speaker":"Treichel","startTime":976.6449990000001,"endTime":976.9049990000001,"body":"credit"},{"speaker":"Treichel","startTime":976.9149990000001,"endTime":977.454999,"body":"unions"},{"speaker":"Treichel","startTime":977.454999,"endTime":977.5849990000002,"body":"to"},{"speaker":"Treichel","startTime":977.5849990000002,"endTime":977.7549990000001,"body":"see"},{"speaker":"Treichel","startTime":977.7549990000001,"endTime":977.8749990000001,"body":"if"},{"speaker":"Treichel","startTime":977.8749990000001,"endTime":978.0549990000001,"body":"there"},{"speaker":"Treichel","startTime":978.0549990000001,"endTime":978.1349990000001,"body":"are"},{"speaker":"Treichel","startTime":978.1549990000001,"endTime":978.3849990000001,"body":"some"},{"speaker":"Treichel","startTime":978.3849990000001,"endTime":978.6149990000001,"body":"sort"},{"speaker":"Treichel","startTime":978.6149990000001,"endTime":978.704999,"body":"of"},{"speaker":"Treichel","startTime":978.7149990000001,"endTime":979.3449990000001,"body":"outliers"},{"speaker":"Treichel","startTime":979.3449990000001,"endTime":979.3649990000001,"body":"in"},{"speaker":"Treichel","startTime":979.4149990000001,"endTime":979.5849990000002,"body":"the"},{"speaker":"Treichel","startTime":979.5849990000002,"endTime":980.074999,"body":"data"},{"speaker":"Treichel","startTime":980.5549990000001,"endTime":980.9849990000001,"body":"that"},{"speaker":"Treichel","startTime":981.0149990000001,"endTime":981.2549990000001,"body":"raise"},{"speaker":"Treichel","startTime":981.2549990000001,"endTime":981.3249985000001,"body":"a"},{"speaker":"Treichel","startTime":981.3249985000001,"endTime":981.7949980000001,"body":"question,"},{"speaker":"Treichel","startTime":981.7949990000001,"endTime":981.9249990000001,"body":"not"},{"speaker":"Treichel","startTime":981.9249990000001,"endTime":982.4549985000001,"body":"necessarily"},{"speaker":"Treichel","startTime":982.4549985000001,"endTime":982.5449980000001,"body":"a"},{"speaker":"Treichel","startTime":982.5449990000001,"endTime":982.7649990000001,"body":"red"},{"speaker":"Treichel","startTime":982.7649990000001,"endTime":983.2549990000001,"body":"flag,"},{"speaker":"Treichel","startTime":983.2849980000001,"endTime":983.5149980000001,"body":"but"},{"speaker":"Treichel","startTime":983.7649990000001,"endTime":983.9849990000001,"body":"just"},{"speaker":"Treichel","startTime":983.9849990000001,"endTime":984.0349985000001,"body":"a"},{"speaker":"Treichel","startTime":984.0349985000001,"endTime":984.4149980000001,"body":"question,"},{"speaker":"Treichel","startTime":984.4249990000001,"endTime":985.1049990000001,"body":"because"},{"speaker":"Treichel","startTime":985.5449990000001,"endTime":986.1349990000001,"body":"sometimes"},{"speaker":"Treichel","startTime":986.1349990000001,"endTime":986.7249990000001,"body":"outlier"},{"speaker":"Treichel","startTime":986.7649990000001,"endTime":987.0149990000001,"body":"type"},{"speaker":"Treichel","startTime":987.0149990000001,"endTime":987.3049990000001,"body":"data"},{"speaker":"Treichel","startTime":987.3149990000001,"endTime":987.6449990000001,"body":"is"},{"speaker":"Treichel","startTime":987.694998,"endTime":987.9849980000001,"body":"there's"},{"speaker":"Treichel","startTime":988.0949980000001,"endTime":988.2749980000001,"body":"a"},{"speaker":"Treichel","startTime":988.2749980000001,"endTime":988.7449980000001,"body":"perfectly"},{"speaker":"Treichel","startTime":988.7449990000001,"endTime":989.2949990000001,"body":"reasonable"},{"speaker":"Treichel","startTime":989.2949990000001,"endTime":989.9249990000001,"body":"explanation"},{"speaker":"Treichel","startTime":989.9249990000001,"endTime":990.1549990000001,"body":"for"},{"speaker":"Treichel","startTime":990.1549990000001,"endTime":990.2249990000001,"body":"it."},{"speaker":"Treichel","startTime":990.2249990000001,"endTime":990.2849990000001,"body":"It's"},{"speaker":"Treichel","startTime":990.324999,"endTime":990.5249990000001,"body":"not"},{"speaker":"Treichel","startTime":990.5249990000001,"endTime":990.574999,"body":"a"},{"speaker":"Treichel","startTime":990.574999,"endTime":991.3749990000001,"body":"violation,"},{"speaker":"Treichel","startTime":991.6849990000001,"endTime":991.8349990000002,"body":"but"},{"speaker":"Treichel","startTime":991.8349990000002,"endTime":992.5849990000002,"body":"sometimes"},{"speaker":"Treichel","startTime":992.7149990000001,"endTime":992.8849990000001,"body":"it"},{"speaker":"Treichel","startTime":992.9349990000001,"endTime":993.2249990000001,"body":"can"},{"speaker":"Treichel","startTime":993.3049990000001,"endTime":993.6649990000001,"body":"become"},{"speaker":"Treichel","startTime":993.6649990000001,"endTime":993.7649990000001,"body":"a"},{"speaker":"Treichel","startTime":993.7649990000001,"endTime":993.9849990000001,"body":"red"},{"speaker":"Treichel","startTime":993.9849990000001,"endTime":994.4849990000001,"body":"flag"},{"speaker":"Treichel","startTime":994.4849990000001,"endTime":994.6449990000001,"body":"that"},{"speaker":"Treichel","startTime":994.6749990000001,"endTime":994.824999,"body":"there"},{"speaker":"Treichel","startTime":994.8349990000002,"endTime":995.0549990000001,"body":"might"},{"speaker":"Treichel","startTime":995.0549990000001,"endTime":995.204999,"body":"be"},{"speaker":"Treichel","startTime":995.2949990000001,"endTime":995.7949990000001,"body":"some"},{"speaker":"Treichel","startTime":995.9649990000001,"endTime":996.4349990000001,"body":"issue"},{"speaker":"Treichel","startTime":996.4349990000001,"endTime":996.8449990000001,"body":"with"},{"speaker":"Treichel","startTime":997.2949990000002,"endTime":997.4749990000001,"body":"the"},{"speaker":"Treichel","startTime":997.5049990000001,"endTime":998.1149985000002,"body":"quality"},{"speaker":"Treichel","startTime":998.1149985000002,"endTime":998.2449980000001,"body":"of"},{"speaker":"Treichel","startTime":998.2449990000001,"endTime":998.3149990000002,"body":"the"},{"speaker":"Treichel","startTime":998.3149990000002,"endTime":998.7249990000001,"body":"data."},{"speaker":"Treichel","startTime":998.9999990000001,"endTime":999.3599990000001,"body":"Now,"},{"speaker":"Treichel","startTime":999.4099990000001,"endTime":999.5399990000001,"body":"the"},{"speaker":"Treichel","startTime":999.5399990000001,"endTime":999.8699990000001,"body":"data"},{"speaker":"Treichel","startTime":999.8699990000001,"endTime":1000.1699990000001,"body":"is"},{"speaker":"Treichel","startTime":1000.3699990000001,"endTime":1000.8499990000001,"body":"is"},{"speaker":"Treichel","startTime":1000.8999990000001,"endTime":1001.8699990000001,"body":"available"},{"speaker":"Treichel","startTime":1001.9199990000001,"endTime":1002.0399990000001,"body":"to"},{"speaker":"Treichel","startTime":1002.0399990000001,"endTime":1002.1399990000001,"body":"the"},{"speaker":"Treichel","startTime":1002.1399990000001,"endTime":1002.8099990000001,"body":"public,"},{"speaker":"Treichel","startTime":1002.9099990000001,"endTime":1003.699999,"body":"although"},{"speaker":"Treichel","startTime":1003.7899990000001,"endTime":1004.3999990000001,"body":"the"},{"speaker":"Treichel","startTime":1004.4399990000001,"endTime":1004.7699990000001,"body":"data"},{"speaker":"Treichel","startTime":1004.7699990000001,"endTime":1005.1099990000001,"body":"points"},{"speaker":"Treichel","startTime":1005.1099990000001,"endTime":1005.2199990000001,"body":"that"},{"speaker":"Treichel","startTime":1005.2299990000001,"endTime":1005.8799990000001,"body":"have"},{"speaker":"Treichel","startTime":1005.9299990000001,"endTime":1006.8299985000001,"body":"identifier"},{"speaker":"Treichel","startTime":1006.8299985000001,"endTime":1007.5599980000001,"body":"information"},{"speaker":"Treichel","startTime":1007.5999990000001,"endTime":1007.7999990000001,"body":"in"},{"speaker":"Treichel","startTime":1007.7999990000001,"endTime":1007.9799990000001,"body":"them"},{"speaker":"Treichel","startTime":1007.9799990000001,"endTime":1008.0999990000001,"body":"are"},{"speaker":"Treichel","startTime":1008.0999990000001,"endTime":1008.3999990000001,"body":"not"},{"speaker":"Treichel","startTime":1008.3999990000001,"endTime":1008.8999990000001,"body":"available"},{"speaker":"Treichel","startTime":1008.8999990000001,"endTime":1009.0099990000001,"body":"to"},{"speaker":"Treichel","startTime":1009.0099990000001,"endTime":1009.1399990000001,"body":"the"},{"speaker":"Treichel","startTime":1009.1399990000001,"endTime":1009.4999990000001,"body":"public"},{"speaker":"Treichel","startTime":1009.4999990000001,"endTime":1009.6099990000001,"body":"for"},{"speaker":"Treichel","startTime":1009.6099990000001,"endTime":1010.1399990000001,"body":"privacy"},{"speaker":"Treichel","startTime":1010.1399990000001,"endTime":1010.7699990000001,"body":"purposes."},{"speaker":"Treichel","startTime":1010.7699990000001,"endTime":1010.9199990000001,"body":"I"},{"speaker":"Treichel","startTime":1010.9399990000001,"endTime":1011.2399990000001,"body":"said,"},{"speaker":"Treichel","startTime":1011.5199990000001,"endTime":1011.6699990000001,"body":"so"},{"speaker":"Treichel","startTime":1011.6699990000001,"endTime":1011.699999,"body":"I"},{"speaker":"Treichel","startTime":1011.7399980000001,"endTime":1011.9299980000001,"body":"think"},{"speaker":"Treichel","startTime":1012.3399990000001,"endTime":1012.5499990000001,"body":"they"},{"speaker":"Treichel","startTime":1012.5499990000001,"endTime":1012.7899990000001,"body":"call"},{"speaker":"Treichel","startTime":1012.7899990000001,"endTime":1012.9799990000001,"body":"that"},{"speaker":"Treichel","startTime":1013.6299990000001,"endTime":1014.0899990000001,"body":"personally"},{"speaker":"Treichel","startTime":1014.0899990000001,"endTime":1014.8099990000001,"body":"identifiable"},{"speaker":"Treichel","startTime":1014.8599990000001,"endTime":1015.3199985000001,"body":"information"},{"speaker":"Treichel","startTime":1015.3199985000001,"endTime":1015.5299980000001,"body":"that"},{"speaker":"Treichel","startTime":1015.579998,"endTime":1015.949998,"body":"stripped"},{"speaker":"Treichel","startTime":1015.949999,"endTime":1016.199999,"body":"out"},{"speaker":"Treichel","startTime":1016.2100000000002,"endTime":1016.3699995000001,"body":"in"},{"speaker":"Treichel","startTime":1016.3699995000001,"endTime":1016.4699985000001,"body":"the"},{"speaker":"Treichel","startTime":1016.4699985000001,"endTime":1016.8599980000001,"body":"public"},{"speaker":"Treichel","startTime":1016.8599990000001,"endTime":1017.3699990000001,"body":"versions."},{"speaker":"Treichel","startTime":1018.209999,"endTime":1018.6499990000001,"body":"Correct."},{"speaker":"Treichel","startTime":1018.969999,"endTime":1019.2399990000001,"body":"Right."},{"speaker":"Treichel","startTime":1019.2799990000001,"endTime":1019.589999,"body":"And"},{"speaker":"Treichel","startTime":1019.829999,"endTime":1019.979999,"body":"in"},{"speaker":"Treichel","startTime":1019.979999,"endTime":1020.3899990000001,"body":"addition"},{"speaker":"Treichel","startTime":1020.3899990000001,"endTime":1020.6299990000001,"body":"to"},{"speaker":"Treichel","startTime":1020.6299990000001,"endTime":1021.0199990000001,"body":"the"},{"speaker":"Treichel","startTime":1021.1499990000001,"endTime":1021.6899990000001,"body":"individual"},{"speaker":"Treichel","startTime":1021.6899990000001,"endTime":1022.329999,"body":"regulators,"},{"speaker":"Treichel","startTime":1022.329999,"endTime":1022.569999,"body":"getting"},{"speaker":"Treichel","startTime":1022.569999,"endTime":1022.6599990000001,"body":"the"},{"speaker":"Treichel","startTime":1022.6599990000001,"endTime":1023.0099990000001,"body":"data"},{"speaker":"Treichel","startTime":1023.0399990000001,"endTime":1023.2799990000001,"body":"for"},{"speaker":"Treichel","startTime":1023.2999990000001,"endTime":1023.6399990000001,"body":"their"},{"speaker":"Treichel","startTime":1023.6399990000001,"endTime":1024.199999,"body":"regulated"},{"speaker":"Treichel","startTime":1024.199999,"endTime":1025.069999,"body":"institutions,"},{"speaker":"Treichel","startTime":1025.569999,"endTime":1025.9799990000001,"body":"other"},{"speaker":"Treichel","startTime":1026.069999,"endTime":1026.659999,"body":"agencies"},{"speaker":"Treichel","startTime":1026.659999,"endTime":1026.759999,"body":"will"},{"speaker":"Treichel","startTime":1026.759999,"endTime":1026.9199990000002,"body":"get"},{"speaker":"Treichel","startTime":1026.9199990000002,"endTime":1027.039999,"body":"it."},{"speaker":"Treichel","startTime":1027.059999,"endTime":1027.349999,"body":"HUD"},{"speaker":"Treichel","startTime":1027.359998,"endTime":1027.609998,"body":"gets"},{"speaker":"Treichel","startTime":1028.1299990000002,"endTime":1028.2399990000001,"body":"the"},{"speaker":"Treichel","startTime":1028.2399990000001,"endTime":1028.6299990000002,"body":"data"},{"speaker":"Treichel","startTime":1028.679999,"endTime":1028.789999,"body":"to"},{"speaker":"Treichel","startTime":1028.789999,"endTime":1029.1299990000002,"body":"use"},{"speaker":"Treichel","startTime":1029.1299990000002,"endTime":1029.279999,"body":"for"},{"speaker":"Treichel","startTime":1029.279999,"endTime":1029.4599990000002,"body":"its"},{"speaker":"Treichel","startTime":1029.4599990000002,"endTime":1030.2499990000001,"body":"programs."},{"speaker":"Treichel","startTime":1030.389999,"endTime":1031.109999,"body":"CFPB"},{"speaker":"Treichel","startTime":1031.139999,"endTime":1031.289999,"body":"can"},{"speaker":"Treichel","startTime":1031.289999,"endTime":1031.529999,"body":"look"},{"speaker":"Treichel","startTime":1031.529999,"endTime":1031.779999,"body":"at"},{"speaker":"Treichel","startTime":1031.779999,"endTime":1031.9399985,"body":"it"},{"speaker":"Treichel","startTime":1031.9399985,"endTime":1032.2899980000002,"body":"for"},{"speaker":"Treichel","startTime":1032.289999,"endTime":1032.829999,"body":"national"},{"speaker":"Treichel","startTime":1032.839999,"endTime":1033.409999,"body":"trends"},{"speaker":"Treichel","startTime":1033.409999,"endTime":1033.4899990000001,"body":"and"},{"speaker":"Treichel","startTime":1033.4899990000001,"endTime":1033.9999990000001,"body":"actually"},{"speaker":"Treichel","startTime":1034.2299990000001,"endTime":1034.7499985,"body":"CFPB"},{"speaker":"Treichel","startTime":1034.7499985,"endTime":1034.9999980000002,"body":"every"},{"speaker":"Treichel","startTime":1034.9999980000002,"endTime":1035.239998,"body":"year"},{"speaker":"Treichel","startTime":1035.2400000000002,"endTime":1035.4199990000002,"body":"will"},{"speaker":"Treichel","startTime":1035.4199990000002,"endTime":1035.979998,"body":"release"},{"speaker":"Treichel","startTime":1036.3799990000002,"endTime":1036.529999,"body":"the"},{"speaker":"Treichel","startTime":1036.529999,"endTime":1036.909999,"body":"results"},{"speaker":"Treichel","startTime":1036.9199990000002,"endTime":1037.069999,"body":"of"},{"speaker":"Treichel","startTime":1037.0799980000002,"endTime":1037.239998,"body":"its"},{"speaker":"Treichel","startTime":1037.239998,"endTime":1037.909998,"body":"analysis."},{"speaker":"Treichel","startTime":1038.349999,"endTime":1038.509999,"body":"Of"},{"speaker":"Treichel","startTime":1038.509999,"endTime":1038.699999,"body":"all"},{"speaker":"Treichel","startTime":1038.699999,"endTime":1038.809999,"body":"the"},{"speaker":"Treichel","startTime":1038.809999,"endTime":1039.279999,"body":"data"},{"speaker":"Treichel","startTime":1039.699999,"endTime":1039.9199990000002,"body":"and"},{"speaker":"Treichel","startTime":1039.9199990000002,"endTime":1040.329999,"body":"compare"},{"speaker":"Treichel","startTime":1040.329999,"endTime":1040.4999990000001,"body":"if"},{"speaker":"Treichel","startTime":1040.4999990000001,"endTime":1040.7199990000001,"body":"it's"},{"speaker":"Treichel","startTime":1040.7199990000001,"endTime":1040.8399990000003,"body":"a"},{"speaker":"Treichel","startTime":1040.849999,"endTime":1041.3599990000002,"body":"previous"},{"speaker":"Treichel","startTime":1041.389999,"endTime":1041.809999,"body":"years."},{"speaker":"Treichel","startTime":1042.3399990000003,"endTime":1042.779999,"body":"Excellent."},{"speaker":"Treichel","startTime":1042.809999,"endTime":1043.349999,"body":"Interesting."},{"speaker":"Treichel","startTime":1043.349999,"endTime":1043.6999990000002,"body":"So"},{"speaker":"Treichel","startTime":1043.7399990000001,"endTime":1044.0499990000003,"body":"how"},{"speaker":"Treichel","startTime":1044.0499990000003,"endTime":1044.2499990000001,"body":"would"},{"speaker":"Treichel","startTime":1044.2499990000001,"endTime":1044.6999990000002,"body":"you,"},{"speaker":"Treichel","startTime":1044.9299990000002,"endTime":1045.159999,"body":"if"},{"speaker":"Treichel","startTime":1045.159999,"endTime":1045.329999,"body":"you"},{"speaker":"Treichel","startTime":1045.329999,"endTime":1045.6299990000002,"body":"were"},{"speaker":"Treichel","startTime":1045.639999,"endTime":1046.099999,"body":"running"},{"speaker":"Treichel","startTime":1046.099999,"endTime":1046.1499990000002,"body":"a"},{"speaker":"Treichel","startTime":1046.1499990000002,"endTime":1046.4299990000002,"body":"credit"},{"speaker":"Treichel","startTime":1046.4399990000002,"endTime":1046.7299990000001,"body":"union"},{"speaker":"Treichel","startTime":1046.7299990000001,"endTime":1046.9099985000003,"body":"or"},{"speaker":"Treichel","startTime":1046.9099985000003,"endTime":1047.529998,"body":"suggesting"},{"speaker":"Treichel","startTime":1047.529998,"endTime":1047.659998,"body":"to"},{"speaker":"Treichel","startTime":1047.659998,"endTime":1047.739998,"body":"a"},{"speaker":"Treichel","startTime":1047.739998,"endTime":1048.0699980000002,"body":"credit"},{"speaker":"Treichel","startTime":1048.0699980000002,"endTime":1048.3699980000001,"body":"union"},{"speaker":"Treichel","startTime":1048.369999,"endTime":1048.4999990000001,"body":"on"},{"speaker":"Treichel","startTime":1048.4999990000001,"endTime":1048.7199990000001,"body":"how"},{"speaker":"Treichel","startTime":1048.739998,"endTime":1048.909998,"body":"they"},{"speaker":"Treichel","startTime":1048.909998,"endTime":1049.0999980000001,"body":"could"},{"speaker":"Treichel","startTime":1049.099999,"endTime":1049.539999,"body":"use"},{"speaker":"Treichel","startTime":1049.8199980000002,"endTime":1050.0999980000001,"body":"their"},{"speaker":"Treichel","startTime":1050.099999,"endTime":1050.3399990000003,"body":"home,"},{"speaker":"Treichel","startTime":1050.3399990000003,"endTime":1050.4499985000002,"body":"the"},{"speaker":"Treichel","startTime":1050.4499985000002,"endTime":1050.8599980000001,"body":"data,"},{"speaker":"Treichel","startTime":1050.899999,"endTime":1051.359999,"body":"either"},{"speaker":"Treichel","startTime":1051.6099980000001,"endTime":1051.789998,"body":"as"},{"speaker":"Treichel","startTime":1051.789999,"endTime":1051.879999,"body":"it"},{"speaker":"Treichel","startTime":1051.879999,"endTime":1052.2199990000001,"body":"relates"},{"speaker":"Treichel","startTime":1052.2199990000001,"endTime":1052.329999,"body":"to"},{"speaker":"Treichel","startTime":1052.329999,"endTime":1052.509999,"body":"their"},{"speaker":"Treichel","startTime":1052.509999,"endTime":1053.1999990000002,"body":"institution"},{"speaker":"Treichel","startTime":1053.2099990000002,"endTime":1053.4599990000002,"body":"and"},{"speaker":"Treichel","startTime":1053.4599990000002,"endTime":1053.6499985,"body":"or"},{"speaker":"Treichel","startTime":1053.6499985,"endTime":1053.769998,"body":"in"},{"speaker":"Treichel","startTime":1053.769999,"endTime":1054.4399990000002,"body":"comparison"},{"speaker":"Treichel","startTime":1054.479998,"endTime":1054.909998,"body":"to,"},{"speaker":"Treichel","startTime":1054.9499990000002,"endTime":1055.079999,"body":"you"},{"speaker":"Treichel","startTime":1055.079999,"endTime":1055.329999,"body":"know,"},{"speaker":"Treichel","startTime":1055.369999,"endTime":1055.5699985,"body":"for"},{"speaker":"Treichel","startTime":1055.5699985,"endTime":1055.959998,"body":"example,"},{"speaker":"Treichel","startTime":1055.959998,"endTime":1056.1099980000001,"body":"that"},{"speaker":"Treichel","startTime":1056.159998,"endTime":1056.649998,"body":"CFPB"},{"speaker":"Treichel","startTime":1056.649999,"endTime":1057.029999,"body":"report,"},{"speaker":"Treichel","startTime":1057.029999,"endTime":1057.149999,"body":"where"},{"speaker":"Treichel","startTime":1057.149999,"endTime":1057.339999,"body":"they"},{"speaker":"Treichel","startTime":1057.629999,"endTime":1057.799999,"body":"they're"},{"speaker":"Treichel","startTime":1057.799999,"endTime":1058.069999,"body":"showing"},{"speaker":"Treichel","startTime":1058.069999,"endTime":1058.159999,"body":"the"},{"speaker":"Treichel","startTime":1058.159999,"endTime":1058.509999,"body":"trends"},{"speaker":"Treichel","startTime":1058.519999,"endTime":1058.6699990000002,"body":"that"},{"speaker":"Treichel","startTime":1058.6699990000002,"endTime":1059.009999,"body":"happened"},{"speaker":"Treichel","startTime":1059.009999,"endTime":1059.319999,"body":"last"},{"speaker":"Treichel","startTime":1059.319999,"endTime":1059.579999,"body":"year."},{"speaker":"Treichel","startTime":1059.899999,"endTime":1060.089999,"body":"What"},{"speaker":"Treichel","startTime":1060.089999,"endTime":1060.2099990000002,"body":"would"},{"speaker":"Treichel","startTime":1060.2099990000002,"endTime":1060.299999,"body":"you"},{"speaker":"Treichel","startTime":1060.299999,"endTime":1060.7499990000001,"body":"recommend"},{"speaker":"Treichel","startTime":1060.899999,"endTime":1060.9999990000001,"body":"a"},{"speaker":"Treichel","startTime":1060.9999990000001,"endTime":1061.279999,"body":"credit"},{"speaker":"Treichel","startTime":1061.289999,"endTime":1061.589999,"body":"union"},{"speaker":"Treichel","startTime":1061.589999,"endTime":1061.779999,"body":"do"},{"speaker":"Treichel","startTime":1061.779999,"endTime":1061.9699990000001,"body":"with"},{"speaker":"Treichel","startTime":1061.9699990000001,"endTime":1062.109999,"body":"their"},{"speaker":"Treichel","startTime":1062.109999,"endTime":1062.2399990000001,"body":"own"},{"speaker":"Treichel","startTime":1062.2499990000001,"endTime":1062.289999,"body":"data?"},{"speaker":"Treichel","startTime":1063.0349990000002,"endTime":1063.2749990000002,"body":"Well,"},{"speaker":"Treichel","startTime":1063.394999,"endTime":1063.6049990000001,"body":"yeah,"},{"speaker":"Treichel","startTime":1063.6049990000001,"endTime":1063.7149990000003,"body":"the"},{"speaker":"Treichel","startTime":1063.7149990000003,"endTime":1064.1049990000001,"body":"data"},{"speaker":"Treichel","startTime":1064.1149990000001,"endTime":1064.134999,"body":"is"},{"speaker":"Treichel","startTime":1064.194999,"endTime":1064.5249990000002,"body":"very"},{"speaker":"Treichel","startTime":1064.5249990000002,"endTime":1064.894999,"body":"useful"},{"speaker":"Treichel","startTime":1064.894999,"endTime":1065.0449990000002,"body":"for"},{"speaker":"Treichel","startTime":1065.0449990000002,"endTime":1065.134999,"body":"an"},{"speaker":"Treichel","startTime":1065.134999,"endTime":1065.7049990000003,"body":"individual"},{"speaker":"Treichel","startTime":1065.7049990000003,"endTime":1066.404999,"body":"institution."},{"speaker":"Treichel","startTime":1066.404999,"endTime":1066.5149990000002,"body":"It"},{"speaker":"Treichel","startTime":1066.5149990000002,"endTime":1066.664999,"body":"can"},{"speaker":"Treichel","startTime":1066.674999,"endTime":1066.894999,"body":"look"},{"speaker":"Treichel","startTime":1066.894999,"endTime":1067.0449990000002,"body":"at"},{"speaker":"Treichel","startTime":1067.0449990000002,"endTime":1067.154999,"body":"it"},{"speaker":"Treichel","startTime":1067.154999,"endTime":1067.2749990000002,"body":"to"},{"speaker":"Treichel","startTime":1067.3349990000002,"endTime":1067.6149990000001,"body":"see"},{"speaker":"Treichel","startTime":1067.6149990000001,"endTime":1067.8649990000001,"body":"how"},{"speaker":"Treichel","startTime":1067.8649990000001,"endTime":1068.164999,"body":"well"},{"speaker":"Treichel","startTime":1068.194999,"endTime":1068.3549990000001,"body":"it"},{"speaker":"Treichel","startTime":1068.3549990000001,"endTime":1068.5149990000002,"body":"is"},{"speaker":"Treichel","startTime":1068.5449990000002,"endTime":1069.2049990000003,"body":"serving"},{"speaker":"Treichel","startTime":1069.2449990000002,"endTime":1069.4949990000002,"body":"its"},{"speaker":"Treichel","startTime":1069.4949990000002,"endTime":1070.0249990000002,"body":"members"},{"speaker":"Treichel","startTime":1070.0249990000002,"endTime":1070.184999,"body":"and"},{"speaker":"Treichel","startTime":1070.184999,"endTime":1070.2549990000002,"body":"the"},{"speaker":"Treichel","startTime":1070.2749990000002,"endTime":1071.154999,"body":"community,"},{"speaker":"Treichel","startTime":1071.7549990000002,"endTime":1072.0549985000002,"body":"and"},{"speaker":"Treichel","startTime":1072.0549985000002,"endTime":1072.2049980000002,"body":"it"},{"speaker":"Treichel","startTime":1072.4749980000001,"endTime":1072.7149980000002,"body":"can"},{"speaker":"Treichel","startTime":1072.7249980000001,"endTime":1073.054998,"body":"lead"},{"speaker":"Treichel","startTime":1073.054998,"endTime":1073.1449980000002,"body":"to"},{"speaker":"Treichel","startTime":1073.144999,"endTime":1073.394999,"body":"ways"},{"speaker":"Treichel","startTime":1073.404999,"endTime":1073.4949990000002,"body":"to"},{"speaker":"Treichel","startTime":1073.4949990000002,"endTime":1073.8849985000002,"body":"improve"},{"speaker":"Treichel","startTime":1073.8849985000002,"endTime":1073.9549980000002,"body":"the"},{"speaker":"Treichel","startTime":1073.954999,"endTime":1074.174999,"body":"fair"},{"speaker":"Treichel","startTime":1074.174999,"endTime":1074.5349990000002,"body":"lending"},{"speaker":"Treichel","startTime":1074.5349990000002,"endTime":1075.0449990000002,"body":"program."},{"speaker":"Treichel","startTime":1075.414999,"endTime":1075.6149990000001,"body":"The"},{"speaker":"Treichel","startTime":1075.644999,"endTime":1076.0149990000002,"body":"credit"},{"speaker":"Treichel","startTime":1076.0249990000002,"endTime":1076.4249985000001,"body":"union"},{"speaker":"Treichel","startTime":1076.4249985000001,"endTime":1076.804998,"body":"can"},{"speaker":"Treichel","startTime":1076.8549990000001,"endTime":1077.484999,"body":"compare"},{"speaker":"Treichel","startTime":1077.484999,"endTime":1077.8049990000002,"body":"how"},{"speaker":"Treichel","startTime":1077.844998,"endTime":1078.0049980000001,"body":"it"},{"speaker":"Treichel","startTime":1078.0049980000001,"endTime":1078.144998,"body":"is"},{"speaker":"Treichel","startTime":1078.164999,"endTime":1079.034999,"body":"performing,"},{"speaker":"Treichel","startTime":1079.554998,"endTime":1079.7549980000001,"body":"you"},{"speaker":"Treichel","startTime":1079.754999,"endTime":1079.8649990000001,"body":"know,"},{"speaker":"Treichel","startTime":1079.874998,"endTime":1080.054998,"body":"with"},{"speaker":"Treichel","startTime":1080.054998,"endTime":1080.324998,"body":"a"},{"speaker":"Treichel","startTime":1080.534998,"endTime":1081.2249980000001,"body":"similarly"},{"speaker":"Treichel","startTime":1081.234999,"endTime":1081.894999,"body":"sized"},{"speaker":"Treichel","startTime":1082.5849990000002,"endTime":1083.2649990000002,"body":"institutions"},{"speaker":"Treichel","startTime":1083.4849990000002,"endTime":1083.5849990000002,"body":"in"},{"speaker":"Treichel","startTime":1083.5849990000002,"endTime":1083.694999,"body":"its"},{"speaker":"Treichel","startTime":1083.7349990000002,"endTime":1084.3749990000001,"body":"geographic"},{"speaker":"Treichel","startTime":1084.3749990000001,"endTime":1084.7849990000002,"body":"area,"},{"speaker":"Treichel","startTime":1084.8049990000002,"endTime":1085.0649990000002,"body":"whether"},{"speaker":"Treichel","startTime":1085.0649990000002,"endTime":1085.184999,"body":"they"},{"speaker":"Treichel","startTime":1085.185099,"endTime":1085.3548990000002,"body":"be"},{"speaker":"Treichel","startTime":1085.3549990000001,"endTime":1085.6249990000001,"body":"credit"},{"speaker":"Treichel","startTime":1085.634999,"endTime":1086.1249990000001,"body":"unions"},{"speaker":"Treichel","startTime":1086.125099,"endTime":1086.554999,"body":"or"},{"speaker":"Treichel","startTime":1086.554999,"endTime":1086.984899,"body":"banks"},{"speaker":"Treichel","startTime":1086.9849990000002,"endTime":1087.2749990000002,"body":"or"},{"speaker":"Treichel","startTime":1087.3049990000002,"endTime":1087.6149990000001,"body":"non"},{"speaker":"Treichel","startTime":1087.6249990000001,"endTime":1088.434999,"body":"depository"},{"speaker":"Treichel","startTime":1088.464999,"endTime":1088.9749990000003,"body":"lenders."},{"speaker":"Treichel","startTime":1089.4949990000002,"endTime":1089.8149990000002,"body":"And"},{"speaker":"Treichel","startTime":1089.924999,"endTime":1090.3649990000001,"body":"depending"},{"speaker":"Treichel","startTime":1090.3649990000001,"endTime":1090.5149990000002,"body":"on"},{"speaker":"Treichel","startTime":1090.5149990000002,"endTime":1090.8149990000002,"body":"the,"},{"speaker":"Treichel","startTime":1091.5299990000003,"endTime":1091.6599990000002,"body":"The"},{"speaker":"Treichel","startTime":1091.6599990000002,"endTime":1092.1499990000002,"body":"size"},{"speaker":"Treichel","startTime":1092.1499990000002,"endTime":1092.2699990000003,"body":"of"},{"speaker":"Treichel","startTime":1092.2699990000003,"endTime":1092.5999990000003,"body":"the"},{"speaker":"Treichel","startTime":1092.6499990000002,"endTime":1093.0999990000003,"body":"mortgage"},{"speaker":"Treichel","startTime":1093.0999990000003,"endTime":1093.4399990000002,"body":"lending"},{"speaker":"Treichel","startTime":1093.4399990000002,"endTime":1094.3199990000003,"body":"operation,"},{"speaker":"Treichel","startTime":1094.7899990000003,"endTime":1094.9999990000003,"body":"it"},{"speaker":"Treichel","startTime":1094.9999990000003,"endTime":1095.2699990000003,"body":"might"},{"speaker":"Treichel","startTime":1095.2699990000003,"endTime":1095.5299990000003,"body":"even"},{"speaker":"Treichel","startTime":1095.5299990000003,"endTime":1095.7099990000004,"body":"be"},{"speaker":"Treichel","startTime":1095.7099990000004,"endTime":1096.4199990000002,"body":"worthwhile"},{"speaker":"Treichel","startTime":1096.4199990000002,"endTime":1096.5599990000003,"body":"for"},{"speaker":"Treichel","startTime":1096.5599990000003,"endTime":1096.6499990000002,"body":"the"},{"speaker":"Treichel","startTime":1096.6499990000002,"endTime":1096.9399990000002,"body":"credit"},{"speaker":"Treichel","startTime":1096.9699990000004,"endTime":1097.3099990000003,"body":"union"},{"speaker":"Treichel","startTime":1097.3199990000003,"endTime":1097.3899990000002,"body":"to"},{"speaker":"Treichel","startTime":1097.3999990000002,"endTime":1097.9399990000002,"body":"consider"},{"speaker":"Treichel","startTime":1097.9399990000002,"endTime":1098.4699990000004,"body":"getting"},{"speaker":"Treichel","startTime":1098.8499990000003,"endTime":1099.5299990000003,"body":"software"},{"speaker":"Treichel","startTime":1099.5299990000003,"endTime":1099.7999990000003,"body":"that"},{"speaker":"Treichel","startTime":1099.8699990000002,"endTime":1100.4199990000002,"body":"does"},{"speaker":"Treichel","startTime":1100.7899980000002,"endTime":1101.0199980000002,"body":"more"},{"speaker":"Treichel","startTime":1101.0199990000003,"endTime":1101.9199985000002,"body":"sophisticated"},{"speaker":"Treichel","startTime":1101.9199985000002,"endTime":1102.7899980000002,"body":"analyses"},{"speaker":"Treichel","startTime":1102.8499990000003,"endTime":1103.0499990000003,"body":"of"},{"speaker":"Treichel","startTime":1103.0499990000003,"endTime":1103.1199990000002,"body":"the"},{"speaker":"Treichel","startTime":1103.1199990000002,"endTime":1103.5499990000003,"body":"data."},{"speaker":"Treichel","startTime":1103.9599980000003,"endTime":1104.1599980000003,"body":"There's"},{"speaker":"Treichel","startTime":1104.1599990000002,"endTime":1104.2199990000004,"body":"a"},{"speaker":"Treichel","startTime":1104.2199990000004,"endTime":1104.4899990000004,"body":"number"},{"speaker":"Treichel","startTime":1104.4899990000004,"endTime":1104.5199990000003,"body":"of"},{"speaker":"Treichel","startTime":1104.5399980000002,"endTime":1104.8399980000004,"body":"different"},{"speaker":"Treichel","startTime":1104.8399990000003,"endTime":1105.4599985000002,"body":"programs"},{"speaker":"Treichel","startTime":1105.4599985000002,"endTime":1105.7599980000002,"body":"out"},{"speaker":"Treichel","startTime":1105.7599990000003,"endTime":1106.1899990000002,"body":"there."},{"speaker":"Treichel","startTime":1106.539999,"endTime":1106.7099990000002,"body":"Just"},{"speaker":"Treichel","startTime":1106.7499990000001,"endTime":1107.1899990000002,"body":"for"},{"speaker":"Treichel","startTime":1107.1999990000002,"endTime":1107.6699990000002,"body":"everybody's"},{"speaker":"Treichel","startTime":1107.6699990000002,"endTime":1108.4199990000002,"body":"information,"},{"speaker":"Treichel","startTime":1108.4299990000002,"endTime":1108.5799990000003,"body":"the"},{"speaker":"Treichel","startTime":1109.289999,"endTime":1109.7199990000001,"body":"uses"},{"speaker":"Treichel","startTime":1109.7199990000001,"endTime":1109.779999,"body":"a"},{"speaker":"Treichel","startTime":1109.779999,"endTime":1110.3299990000003,"body":"program"},{"speaker":"Treichel","startTime":1110.3299990000003,"endTime":1110.799999,"body":"called"},{"speaker":"Treichel","startTime":1111.239999,"endTime":1111.779999,"body":"lending"},{"speaker":"Treichel","startTime":1111.779999,"endTime":1112.349999,"body":"patterns."},{"speaker":"Treichel","startTime":1112.7499990000001,"endTime":1112.959999,"body":"It's"},{"speaker":"Treichel","startTime":1113.739999,"endTime":1114.029999,"body":"sold"},{"speaker":"Treichel","startTime":1114.029999,"endTime":1114.229999,"body":"by"},{"speaker":"Treichel","startTime":1114.229999,"endTime":1114.319999,"body":"a"},{"speaker":"Treichel","startTime":1114.319999,"endTime":1114.629999,"body":"company"},{"speaker":"Treichel","startTime":1114.629999,"endTime":1114.849999,"body":"called"},{"speaker":"Treichel","startTime":1114.889999,"endTime":1115.459999,"body":"compliance"},{"speaker":"Treichel","startTime":1115.459999,"endTime":1115.729999,"body":"tech."},{"speaker":"Treichel","startTime":1116.109999,"endTime":1116.269999,"body":"Yeah,"},{"speaker":"Treichel","startTime":1116.269999,"endTime":1116.379999,"body":"I'm"},{"speaker":"Treichel","startTime":1116.379999,"endTime":1116.639999,"body":"not"},{"speaker":"Treichel","startTime":1116.9999990000001,"endTime":1117.359999,"body":"necessarily"},{"speaker":"Treichel","startTime":1117.359999,"endTime":1118.029999,"body":"recommending"},{"speaker":"Treichel","startTime":1118.029999,"endTime":1118.2999985,"body":"that"},{"speaker":"Treichel","startTime":1118.2999985,"endTime":1118.809998,"body":"or"},{"speaker":"Treichel","startTime":1118.869999,"endTime":1119.5499985,"body":"advocating"},{"speaker":"Treichel","startTime":1119.5499985,"endTime":1119.839998,"body":"for"},{"speaker":"Treichel","startTime":1119.839998,"endTime":1119.999998,"body":"it,"},{"speaker":"Treichel","startTime":1120.269999,"endTime":1120.729999,"body":"but"},{"speaker":"Treichel","startTime":1120.799998,"endTime":1120.959998,"body":"the"},{"speaker":"Treichel","startTime":1120.969998,"endTime":1121.439998,"body":"benefit"},{"speaker":"Treichel","startTime":1121.439999,"endTime":1121.549999,"body":"of"},{"speaker":"Treichel","startTime":1121.559999,"endTime":1122.419999,"body":"using."},{"speaker":"Treichel","startTime":1122.7399990000001,"endTime":1123.1499990000002,"body":"That"},{"speaker":"Treichel","startTime":1123.1699990000002,"endTime":1123.4999990000001,"body":"is"},{"speaker":"Treichel","startTime":1123.819999,"endTime":1124.1399990000002,"body":"that"},{"speaker":"Treichel","startTime":1124.1399990000002,"endTime":1124.299999,"body":"it's"},{"speaker":"Treichel","startTime":1124.359999,"endTime":1124.4799990000001,"body":"the"},{"speaker":"Treichel","startTime":1124.4799990000001,"endTime":1124.849999,"body":"same"},{"speaker":"Treichel","startTime":1124.849999,"endTime":1125.4299990000002,"body":"software"},{"speaker":"Treichel","startTime":1125.4299990000002,"endTime":1125.6799990000002,"body":"that"},{"speaker":"Treichel","startTime":1125.7399990000001,"endTime":1126.019999,"body":"your"},{"speaker":"Treichel","startTime":1126.019999,"endTime":1126.6199990000002,"body":"regulator"},{"speaker":"Treichel","startTime":1126.6199990000002,"endTime":1126.7499990000001,"body":"is"},{"speaker":"Treichel","startTime":1126.759999,"endTime":1127.269999,"body":"using."},{"speaker":"Treichel","startTime":1127.6699990000002,"endTime":1128.069999,"body":"So,"},{"speaker":"Treichel","startTime":1128.069999,"endTime":1128.289999,"body":"in"},{"speaker":"Treichel","startTime":1128.289999,"endTime":1128.7099990000002,"body":"theory,"},{"speaker":"Treichel","startTime":1128.7099990000002,"endTime":1128.819999,"body":"you"},{"speaker":"Treichel","startTime":1128.819999,"endTime":1128.9799990000001,"body":"should"},{"speaker":"Treichel","startTime":1128.9799990000001,"endTime":1129.059999,"body":"be"},{"speaker":"Treichel","startTime":1129.059999,"endTime":1129.299999,"body":"getting"},{"speaker":"Treichel","startTime":1129.299999,"endTime":1129.3999990000002,"body":"the"},{"speaker":"Treichel","startTime":1129.3999990000002,"endTime":1129.7099990000002,"body":"same"},{"speaker":"Treichel","startTime":1129.7099990000002,"endTime":1130.2199990000001,"body":"results"},{"speaker":"Treichel","startTime":1130.2199990000001,"endTime":1130.349999,"body":"when"},{"speaker":"Treichel","startTime":1130.349999,"endTime":1130.4999990000001,"body":"you"},{"speaker":"Treichel","startTime":1130.7999980000002,"endTime":1130.9999980000002,"body":"do"},{"speaker":"Treichel","startTime":1130.9999990000001,"endTime":1131.2099990000002,"body":"any"},{"speaker":"Treichel","startTime":1131.2099990000002,"endTime":1131.3899990000002,"body":"kind"},{"speaker":"Treichel","startTime":1131.3899990000002,"endTime":1131.509999,"body":"of"},{"speaker":"Treichel","startTime":1131.509999,"endTime":1132.1299990000002,"body":"analysis"},{"speaker":"Treichel","startTime":1132.1499990000002,"endTime":1132.4599990000002,"body":"using"},{"speaker":"Treichel","startTime":1132.4699990000001,"endTime":1132.7399990000001,"body":"that"},{"speaker":"Treichel","startTime":1132.819999,"endTime":1133.349999,"body":"program."},{"speaker":"Treichel","startTime":1133.6499990000002,"endTime":1133.9099990000002,"body":"That's"},{"speaker":"Treichel","startTime":1133.9099990000002,"endTime":1134.109999,"body":"good"},{"speaker":"Treichel","startTime":1134.109999,"endTime":1134.1699985,"body":"to"},{"speaker":"Treichel","startTime":1134.1699985,"endTime":1134.5599980000002,"body":"know."},{"speaker":"Treichel","startTime":1134.599999,"endTime":1134.6899990000002,"body":"I"},{"speaker":"Treichel","startTime":1134.6899990000002,"endTime":1134.9099990000002,"body":"think"},{"speaker":"Treichel","startTime":1134.9099990000002,"endTime":1135.039999,"body":"our"},{"speaker":"Treichel","startTime":1135.039999,"endTime":1135.4799990000001,"body":"listeners"},{"speaker":"Treichel","startTime":1135.4799990000001,"endTime":1135.599999,"body":"will"},{"speaker":"Treichel","startTime":1135.599999,"endTime":1136.099999,"body":"appreciate"},{"speaker":"Treichel","startTime":1136.099999,"endTime":1136.2199990000001,"body":"that."},{"speaker":"Treichel","startTime":1136.2199990000001,"endTime":1136.309999,"body":"You"},{"speaker":"Treichel","startTime":1136.309999,"endTime":1136.6199990000002,"body":"pointed"},{"speaker":"Treichel","startTime":1136.6299980000001,"endTime":1136.8599980000001,"body":"that"},{"speaker":"Treichel","startTime":1136.859999,"endTime":1137.4099990000002,"body":"resource"},{"speaker":"Treichel","startTime":1137.4799990000001,"endTime":1137.789999,"body":"out"},{"speaker":"Treichel","startTime":1138.2999980000002,"endTime":1138.679998,"body":"and"},{"speaker":"Treichel","startTime":1138.9099990000002,"endTime":1138.9899990000001,"body":"the"},{"speaker":"Treichel","startTime":1138.9899990000001,"endTime":1139.2999985000001,"body":"fact"},{"speaker":"Treichel","startTime":1139.2999985000001,"endTime":1139.5299980000002,"body":"that"},{"speaker":"Treichel","startTime":1139.589999,"endTime":1139.7499990000001,"body":"utilizes"},{"speaker":"Treichel","startTime":1140.6199980000001,"endTime":1140.949998,"body":"them"},{"speaker":"Treichel","startTime":1141.1599990000002,"endTime":1141.3699990000002,"body":"would"},{"speaker":"Treichel","startTime":1141.3699990000002,"endTime":1141.579999,"body":"have"},{"speaker":"Treichel","startTime":1141.579999,"endTime":1141.6599990000002,"body":"to"},{"speaker":"Treichel","startTime":1141.6599990000002,"endTime":1141.789999,"body":"be"},{"speaker":"Treichel","startTime":1141.789999,"endTime":1142.1699990000002,"body":"viewed"},{"speaker":"Treichel","startTime":1142.259999,"endTime":1142.4299990000002,"body":"it"},{"speaker":"Treichel","startTime":1142.549999,"endTime":1142.7199990000001,"body":"in"},{"speaker":"Treichel","startTime":1142.7199990000001,"endTime":1142.859999,"body":"my"},{"speaker":"Treichel","startTime":1142.859999,"endTime":1143.109999,"body":"mind"},{"speaker":"Treichel","startTime":1143.109999,"endTime":1143.259999,"body":"as"},{"speaker":"Treichel","startTime":1143.259999,"endTime":1143.319999,"body":"a"},{"speaker":"Treichel","startTime":1143.319999,"endTime":1143.789999,"body":"positive,"},{"speaker":"Treichel","startTime":1143.799999,"endTime":1144.1199990000002,"body":"because"},{"speaker":"Treichel","startTime":1144.1299990000002,"endTime":1144.359999,"body":"it's"},{"speaker":"Treichel","startTime":1144.4399990000002,"endTime":1144.7399990000001,"body":"almost"},{"speaker":"Treichel","startTime":1144.7399990000001,"endTime":1144.809999,"body":"a"},{"speaker":"Treichel","startTime":1144.809999,"endTime":1145.109999,"body":"running"},{"speaker":"Treichel","startTime":1145.109999,"endTime":1145.279999,"body":"head."},{"speaker":"Treichel","startTime":1145.279999,"endTime":1145.6299990000002,"body":"Start."},{"speaker":"Treichel","startTime":1145.8999990000002,"endTime":1146.089999,"body":"And"},{"speaker":"Treichel","startTime":1146.089999,"endTime":1146.299999,"body":"again,"},{"speaker":"Treichel","startTime":1146.319999,"endTime":1146.529999,"body":"that's"},{"speaker":"Treichel","startTime":1146.569999,"endTime":1146.829999,"body":"that's"},{"speaker":"Treichel","startTime":1146.829999,"endTime":1146.9899990000001,"body":"not"},{"speaker":"Treichel","startTime":1146.9899990000001,"endTime":1147.079999,"body":"an"},{"speaker":"Treichel","startTime":1147.079999,"endTime":1147.589999,"body":"endorsement"},{"speaker":"Treichel","startTime":1147.589999,"endTime":1147.819999,"body":"either,"},{"speaker":"Treichel","startTime":1147.819999,"endTime":1147.9899990000001,"body":"but"},{"speaker":"Treichel","startTime":1147.9899990000001,"endTime":1148.069999,"body":"I"},{"speaker":"Treichel","startTime":1148.089999,"endTime":1148.329999,"body":"think"},{"speaker":"Treichel","startTime":1148.339999,"endTime":1148.6199990000002,"body":"there's"},{"speaker":"Treichel","startTime":1148.6299980000001,"endTime":1148.7799980000002,"body":"some"},{"speaker":"Treichel","startTime":1148.779999,"endTime":1149.1499990000002,"body":"value"},{"speaker":"Treichel","startTime":1149.1499990000002,"endTime":1149.259999,"body":"to"},{"speaker":"Treichel","startTime":1149.259999,"endTime":1149.4599990000002,"body":"that."},{"speaker":"Treichel","startTime":1149.4899990000001,"endTime":1150.049999,"body":"Obviously."},{"speaker":"Treichel","startTime":1150.7999980000002,"endTime":1151.1399980000003,"body":"So,"},{"speaker":"Treichel","startTime":1151.1899990000002,"endTime":1151.5399990000003,"body":"Joe,"},{"speaker":"Treichel","startTime":1151.5599990000003,"endTime":1151.8499990000003,"body":"if,"},{"speaker":"Treichel","startTime":1151.8799990000002,"endTime":1152.2999990000003,"body":"um."},{"speaker":"Treichel","startTime":1152.8249990000002,"endTime":1152.9849990000002,"body":"We"},{"speaker":"Treichel","startTime":1152.9849990000002,"endTime":1153.1949990000003,"body":"just"},{"speaker":"Treichel","startTime":1153.1949990000003,"endTime":1153.5549990000002,"body":"passed"},{"speaker":"Treichel","startTime":1153.5549990000002,"endTime":1153.8449990000001,"body":"April"},{"speaker":"Treichel","startTime":1153.8549990000001,"endTime":1154.3749990000001,"body":"15th"},{"speaker":"Treichel","startTime":1154.3749990000001,"endTime":1154.4749990000003,"body":"or"},{"speaker":"Treichel","startTime":1154.4749990000003,"endTime":1154.7349990000002,"body":"April"},{"speaker":"Treichel","startTime":1154.7349990000002,"endTime":1155.154999,"body":"18th,"},{"speaker":"Treichel","startTime":1155.164999,"endTime":1155.3449990000001,"body":"which"},{"speaker":"Treichel","startTime":1155.3449990000001,"endTime":1155.4749990000003,"body":"was"},{"speaker":"Treichel","startTime":1155.4849990000002,"endTime":1155.644999,"body":"the"},{"speaker":"Treichel","startTime":1155.644999,"endTime":1156.0249990000002,"body":"IRS"},{"speaker":"Treichel","startTime":1156.1249990000001,"endTime":1156.424999,"body":"tax"},{"speaker":"Treichel","startTime":1156.424999,"endTime":1156.8249990000002,"body":"filing"},{"speaker":"Treichel","startTime":1156.8249990000002,"endTime":1157.1149990000001,"body":"date"},{"speaker":"Treichel","startTime":1157.134999,"endTime":1157.4649990000003,"body":"and"},{"speaker":"Treichel","startTime":1158.0149990000002,"endTime":1158.454999,"body":"government"},{"speaker":"Treichel","startTime":1158.464999,"endTime":1158.8649990000001,"body":"loves"},{"speaker":"Treichel","startTime":1158.884999,"endTime":1159.0749990000002,"body":"their"},{"speaker":"Treichel","startTime":1159.0749990000002,"endTime":1159.714999,"body":"deadlines"},{"speaker":"Treichel","startTime":1159.934999,"endTime":1160.0349990000002,"body":"so"},{"speaker":"Treichel","startTime":1160.0349990000002,"endTime":1160.154999,"body":"that"},{"speaker":"Treichel","startTime":1160.154999,"endTime":1160.414999,"body":"people"},{"speaker":"Treichel","startTime":1160.414999,"endTime":1160.674999,"body":"put"},{"speaker":"Treichel","startTime":1160.7449990000002,"endTime":1161.134999,"body":"their"},{"speaker":"Treichel","startTime":1161.274998,"endTime":1161.9149980000002,"body":"information"},{"speaker":"Treichel","startTime":1161.914999,"endTime":1162.1049990000001,"body":"in"},{"speaker":"Treichel","startTime":1162.1049990000001,"endTime":1162.3049990000002,"body":"on"},{"speaker":"Treichel","startTime":1162.3249990000002,"endTime":1162.7849990000002,"body":"time."},{"speaker":"Treichel","startTime":1162.8049990000002,"endTime":1163.2649990000002,"body":"And"},{"speaker":"Treichel","startTime":1163.5449990000002,"endTime":1163.704999,"body":"if"},{"speaker":"Treichel","startTime":1163.704999,"endTime":1163.7549990000002,"body":"a"},{"speaker":"Treichel","startTime":1163.7549990000002,"endTime":1163.9949990000002,"body":"credit"},{"speaker":"Treichel","startTime":1164.0049990000002,"endTime":1164.3249990000002,"body":"union"},{"speaker":"Treichel","startTime":1164.4949990000002,"endTime":1164.8549985000002,"body":"were"},{"speaker":"Treichel","startTime":1164.8549985000002,"endTime":1165.2449980000001,"body":"to"},{"speaker":"Treichel","startTime":1165.464999,"endTime":1165.7349985,"body":"miss"},{"speaker":"Treichel","startTime":1165.7349985,"endTime":1165.834998,"body":"a"},{"speaker":"Treichel","startTime":1165.8349990000002,"endTime":1166.2449990000002,"body":"filing"},{"speaker":"Treichel","startTime":1166.2449990000002,"endTime":1166.7649990000002,"body":"deadline,"},{"speaker":"Treichel","startTime":1166.8449990000001,"endTime":1167.0049990000002,"body":"what"},{"speaker":"Treichel","startTime":1167.0049990000002,"endTime":1167.3349990000002,"body":"happens?"},{"speaker":"Treichel","startTime":1168.029999,"endTime":1168.339999,"body":"1st,"},{"speaker":"Treichel","startTime":1168.379999,"endTime":1168.589999,"body":"thing"},{"speaker":"Treichel","startTime":1168.589999,"endTime":1168.809999,"body":"is,"},{"speaker":"Treichel","startTime":1168.809999,"endTime":1168.939999,"body":"it"},{"speaker":"Treichel","startTime":1168.939999,"endTime":1169.179999,"body":"should"},{"speaker":"Treichel","startTime":1169.189999,"endTime":1169.4799990000001,"body":"do"},{"speaker":"Treichel","startTime":1169.4799990000001,"endTime":1169.839999,"body":"whatever"},{"speaker":"Treichel","startTime":1169.839999,"endTime":1169.949999,"body":"it"},{"speaker":"Treichel","startTime":1169.949999,"endTime":1170.2099990000002,"body":"can"},{"speaker":"Treichel","startTime":1170.2199990000001,"endTime":1170.329999,"body":"to"},{"speaker":"Treichel","startTime":1170.329999,"endTime":1170.559999,"body":"get"},{"speaker":"Treichel","startTime":1170.559999,"endTime":1170.819999,"body":"the"},{"speaker":"Treichel","startTime":1170.819999,"endTime":1171.439999,"body":"information"},{"speaker":"Treichel","startTime":1171.4599990000002,"endTime":1171.9699990000001,"body":"filed"},{"speaker":"Treichel","startTime":1172.019999,"endTime":1172.789999,"body":"because"},{"speaker":"Treichel","startTime":1173.169999,"endTime":1173.419999,"body":"late"},{"speaker":"Treichel","startTime":1173.429999,"endTime":1173.899999,"body":"filing"},{"speaker":"Treichel","startTime":1173.899999,"endTime":1174.059999,"body":"is"},{"speaker":"Treichel","startTime":1174.059999,"endTime":1174.119999,"body":"a"},{"speaker":"Treichel","startTime":1174.119999,"endTime":1174.829999,"body":"violation"},{"speaker":"Treichel","startTime":1174.829999,"endTime":1174.9799990000001,"body":"of"},{"speaker":"Treichel","startTime":1174.9799990000001,"endTime":1175.409999,"body":"Honda,"},{"speaker":"Treichel","startTime":1175.559999,"endTime":1175.899999,"body":"but"},{"speaker":"Treichel","startTime":1175.969998,"endTime":1176.659998,"body":"also"},{"speaker":"Treichel","startTime":1176.7099990000002,"endTime":1177.099999,"body":"not"},{"speaker":"Treichel","startTime":1177.099999,"endTime":1177.819999,"body":"filing"},{"speaker":"Treichel","startTime":1178.159999,"endTime":1178.3399984999999,"body":"is"},{"speaker":"Treichel","startTime":1178.3399984999999,"endTime":1178.519998,"body":"a"},{"speaker":"Treichel","startTime":1178.539999,"endTime":1179.1699985,"body":"violation"},{"speaker":"Treichel","startTime":1179.1699985,"endTime":1179.339998,"body":"of"},{"speaker":"Treichel","startTime":1179.389999,"endTime":1179.869999,"body":"Honda."},{"speaker":"Treichel","startTime":1180.2699989999999,"endTime":1180.899999,"body":"However,"},{"speaker":"Treichel","startTime":1180.969998,"endTime":1181.299998,"body":"not"},{"speaker":"Treichel","startTime":1181.299998,"endTime":1181.819998,"body":"filing"},{"speaker":"Treichel","startTime":1181.819999,"endTime":1182.079999,"body":"is"},{"speaker":"Treichel","startTime":1182.329999,"endTime":1182.679999,"body":"far"},{"speaker":"Treichel","startTime":1182.679999,"endTime":1183.0099985,"body":"more"},{"speaker":"Treichel","startTime":1183.0099985,"endTime":1183.569998,"body":"serious"},{"speaker":"Treichel","startTime":1183.579999,"endTime":1184.309999,"body":"violation"},{"speaker":"Treichel","startTime":1184.319999,"endTime":1184.5099989999999,"body":"than"},{"speaker":"Treichel","startTime":1184.519998,"endTime":1184.769998,"body":"late"},{"speaker":"Treichel","startTime":1184.779998,"endTime":1185.219998,"body":"filing."},{"speaker":"Treichel","startTime":1185.6299980000001,"endTime":1186.179998,"body":"So."},{"speaker":"Treichel","startTime":1186.414999,"endTime":1186.5149990000002,"body":"The"},{"speaker":"Treichel","startTime":1186.5149990000002,"endTime":1186.7649990000002,"body":"best"},{"speaker":"Treichel","startTime":1186.7649990000002,"endTime":1186.934999,"body":"thing"},{"speaker":"Treichel","startTime":1186.934999,"endTime":1187.0349990000002,"body":"to"},{"speaker":"Treichel","startTime":1187.0349990000002,"endTime":1187.1949990000003,"body":"do"},{"speaker":"Treichel","startTime":1187.1949990000003,"endTime":1187.3549990000001,"body":"is"},{"speaker":"Treichel","startTime":1187.3549990000001,"endTime":1187.7449990000002,"body":"file"},{"speaker":"Treichel","startTime":1187.7449990000002,"endTime":1187.924999,"body":"it."},{"speaker":"Treichel","startTime":1187.9649990000003,"endTime":1188.144999,"body":"The"},{"speaker":"Treichel","startTime":1188.144999,"endTime":1188.2949990000002,"body":"N."},{"speaker":"Treichel","startTime":1188.2949990000002,"endTime":1188.404999,"body":"C."},{"speaker":"Treichel","startTime":1188.414999,"endTime":1188.654999,"body":"U."},{"speaker":"Treichel","startTime":1188.654999,"endTime":1188.8749990000001,"body":"A."},{"speaker":"Treichel","startTime":1188.884999,"endTime":1189.434999,"body":"will"},{"speaker":"Treichel","startTime":1190.0349990000002,"endTime":1190.7549990000002,"body":"contact"},{"speaker":"Treichel","startTime":1190.7749990000002,"endTime":1191.154999,"body":"those"},{"speaker":"Treichel","startTime":1191.154999,"endTime":1191.2949990000002,"body":"who"},{"speaker":"Treichel","startTime":1191.2949990000002,"endTime":1191.7949990000002,"body":"filed"},{"speaker":"Treichel","startTime":1191.7949990000002,"endTime":1192.134999,"body":"late"},{"speaker":"Treichel","startTime":1192.1949990000003,"endTime":1192.5049990000002,"body":"each"},{"speaker":"Treichel","startTime":1192.5049990000002,"endTime":1192.9649990000003,"body":"year"},{"speaker":"Treichel","startTime":1193.3149990000002,"endTime":1193.9449990000003,"body":"and"},{"speaker":"Treichel","startTime":1193.9549990000003,"endTime":1194.6849990000003,"body":"recommend"},{"speaker":"Treichel","startTime":1194.6949990000003,"endTime":1195.1949990000003,"body":"that"},{"speaker":"Treichel","startTime":1195.3049990000002,"endTime":1195.8149990000002,"body":"they"},{"speaker":"Treichel","startTime":1195.8649990000001,"endTime":1196.164999,"body":"make"},{"speaker":"Treichel","startTime":1196.164999,"endTime":1196.654999,"body":"efforts"},{"speaker":"Treichel","startTime":1196.8349990000002,"endTime":1197.0549990000002,"body":"in"},{"speaker":"Treichel","startTime":1197.0549990000002,"endTime":1197.4849990000002,"body":"subsequent"},{"speaker":"Treichel","startTime":1197.4849990000002,"endTime":1197.894999,"body":"years"},{"speaker":"Treichel","startTime":1197.9349980000002,"endTime":1198.1749980000002,"body":"not"},{"speaker":"Treichel","startTime":1198.1749990000003,"endTime":1198.2849990000002,"body":"to"},{"speaker":"Treichel","startTime":1198.2849990000002,"endTime":1198.4849990000002,"body":"do"},{"speaker":"Treichel","startTime":1198.4849990000002,"endTime":1198.8249990000002,"body":"that."},{"speaker":"Treichel","startTime":1199.2649990000002,"endTime":1199.7249990000003,"body":"Generally"},{"speaker":"Treichel","startTime":1199.7249990000003,"endTime":1200.4549990000003,"body":"speaking,"},{"speaker":"Treichel","startTime":1200.4649990000003,"endTime":1200.6849990000003,"body":"the"},{"speaker":"Treichel","startTime":1200.6849990000003,"endTime":1200.8449990000001,"body":"N."},{"speaker":"Treichel","startTime":1200.8449990000001,"endTime":1200.9749990000003,"body":"C."},{"speaker":"Treichel","startTime":1200.9749990000003,"endTime":1201.1249990000003,"body":"U."},{"speaker":"Treichel","startTime":1201.1249990000003,"endTime":1201.2649990000002,"body":"A."},{"speaker":"Treichel","startTime":1201.2749980000003,"endTime":1201.4049980000002,"body":"will"},{"speaker":"Treichel","startTime":1201.4049980000002,"endTime":1201.7549980000003,"body":"wait"},{"speaker":"Treichel","startTime":1201.8749990000003,"endTime":1202.1049990000004,"body":"for"},{"speaker":"Treichel","startTime":1202.1049990000004,"endTime":1202.4249990000003,"body":"several"},{"speaker":"Treichel","startTime":1202.4249990000003,"endTime":1203.1549990000003,"body":"violations"},{"speaker":"Treichel","startTime":1203.1549990000003,"endTime":1203.4649990000003,"body":"before"},{"speaker":"Treichel","startTime":1203.4649990000003,"endTime":1203.8449985000002,"body":"taking"},{"speaker":"Treichel","startTime":1203.8449985000002,"endTime":1204.0549980000003,"body":"any"},{"speaker":"Treichel","startTime":1204.0549990000002,"endTime":1204.6349990000003,"body":"action."},{"speaker":"Treichel","startTime":1205.034998,"endTime":1205.2249980000001,"body":"But"},{"speaker":"Treichel","startTime":1205.224999,"endTime":1205.3149990000002,"body":"the"},{"speaker":"Treichel","startTime":1205.3149990000002,"endTime":1205.6249990000001,"body":"bottom"},{"speaker":"Treichel","startTime":1205.6249990000001,"endTime":1205.884999,"body":"line"},{"speaker":"Treichel","startTime":1205.884999,"endTime":1206.154999,"body":"is."},{"speaker":"Treichel","startTime":1206.7799990000003,"endTime":1207.0399990000003,"body":"Even"},{"speaker":"Treichel","startTime":1207.0399990000003,"endTime":1207.1699990000002,"body":"if"},{"speaker":"Treichel","startTime":1207.1699990000002,"endTime":1207.3199990000003,"body":"you're"},{"speaker":"Treichel","startTime":1207.3199990000003,"endTime":1207.6399990000002,"body":"late,"},{"speaker":"Treichel","startTime":1208.2899990000003,"endTime":1208.6299990000002,"body":"file"},{"speaker":"Treichel","startTime":1208.6299990000002,"endTime":1208.7299990000001,"body":"the"},{"speaker":"Treichel","startTime":1208.7299990000001,"endTime":1209.0699990000003,"body":"data."},{"speaker":"Treichel","startTime":1210.1399990000002,"endTime":1210.4299990000002,"body":"Got"},{"speaker":"Treichel","startTime":1210.4299990000002,"endTime":1210.5599990000003,"body":"it."},{"speaker":"Treichel","startTime":1210.5599990000003,"endTime":1210.7899990000003,"body":"And"},{"speaker":"Treichel","startTime":1210.8199990000003,"endTime":1211.0499990000003,"body":"as"},{"speaker":"Treichel","startTime":1211.0499990000003,"endTime":1211.1499990000002,"body":"you"},{"speaker":"Treichel","startTime":1211.1499990000002,"endTime":1211.5299990000003,"body":"mentioned,"},{"speaker":"Treichel","startTime":1211.7299990000004,"endTime":1212.0499990000003,"body":"NCUA"},{"speaker":"Treichel","startTime":1212.0599990000003,"endTime":1212.2599990000003,"body":"can't"},{"speaker":"Treichel","startTime":1212.2599990000003,"endTime":1212.6099990000002,"body":"assess"},{"speaker":"Treichel","startTime":1212.6299990000002,"endTime":1212.8599990000002,"body":"civil"},{"speaker":"Treichel","startTime":1212.8599990000002,"endTime":1213.0799990000003,"body":"money"},{"speaker":"Treichel","startTime":1213.0799990000003,"endTime":1213.5899990000003,"body":"penalties."},{"speaker":"Treichel","startTime":1213.6099990000002,"endTime":1213.7699990000003,"body":"They"},{"speaker":"Treichel","startTime":1213.7699990000003,"endTime":1214.0399990000003,"body":"use"},{"speaker":"Treichel","startTime":1214.0499990000003,"endTime":1214.3799990000002,"body":"that"},{"speaker":"Treichel","startTime":1214.4199990000002,"endTime":1214.7099990000002,"body":"very"},{"speaker":"Treichel","startTime":1214.7099990000002,"endTime":1215.3199990000003,"body":"carefully"},{"speaker":"Treichel","startTime":1215.3499990000003,"endTime":1215.7099990000002,"body":"before"},{"speaker":"Treichel","startTime":1215.7099990000002,"endTime":1216.0699990000003,"body":"they"},{"speaker":"Treichel","startTime":1216.1199990000002,"endTime":1216.5499990000003,"body":"consider"},{"speaker":"Treichel","startTime":1216.5499990000003,"endTime":1216.9399990000002,"body":"that,"},{"speaker":"Treichel","startTime":1217.2999990000003,"endTime":1217.5899990000003,"body":"whether"},{"speaker":"Treichel","startTime":1217.5899990000003,"endTime":1217.6899985000002,"body":"you"},{"speaker":"Treichel","startTime":1217.6899985000002,"endTime":1217.8399980000002,"body":"have"},{"speaker":"Treichel","startTime":1217.8399990000003,"endTime":1217.8999985000003,"body":"to"},{"speaker":"Treichel","startTime":1217.8999985000003,"endTime":1218.0099980000002,"body":"be"},{"speaker":"Treichel","startTime":1218.0099990000003,"endTime":1218.1199990000002,"body":"a"},{"speaker":"Treichel","startTime":1218.1399990000002,"endTime":1218.5899990000003,"body":"multiple"},{"speaker":"Treichel","startTime":1218.5999980000004,"endTime":1219.0799980000002,"body":"time"},{"speaker":"Treichel","startTime":1219.2599990000003,"endTime":1219.6099990000002,"body":"late"},{"speaker":"Treichel","startTime":1219.6099990000002,"endTime":1220.0499990000003,"body":"person"},{"speaker":"Treichel","startTime":1220.0499990000003,"endTime":1220.1399985000003,"body":"or"},{"speaker":"Treichel","startTime":1220.1399985000003,"endTime":1220.3599980000004,"body":"late"},{"speaker":"Treichel","startTime":1220.3799990000002,"endTime":1220.6399990000002,"body":"credit"},{"speaker":"Treichel","startTime":1220.6699990000002,"endTime":1221.0899990000003,"body":"union."},{"speaker":"Treichel","startTime":1221.4399980000003,"endTime":1221.6299980000003,"body":"It's"},{"speaker":"Treichel","startTime":1221.6299990000002,"endTime":1221.8399990000003,"body":"not,"},{"speaker":"Treichel","startTime":1221.8699990000002,"endTime":1222.0399990000003,"body":"it's"},{"speaker":"Treichel","startTime":1222.2699980000002,"endTime":1222.5099980000002,"body":"civil"},{"speaker":"Treichel","startTime":1222.5099990000003,"endTime":1222.7199990000004,"body":"money"},{"speaker":"Treichel","startTime":1222.7199990000004,"endTime":1223.2599990000003,"body":"penalties."},{"speaker":"Treichel","startTime":1223.2999990000003,"endTime":1223.5299990000003,"body":"It's"},{"speaker":"Treichel","startTime":1223.5300000000002,"endTime":1223.6999990000002,"body":"not"},{"speaker":"Treichel","startTime":1223.6999990000002,"endTime":1224.0299980000002,"body":"something"},{"speaker":"Treichel","startTime":1224.0300000000002,"endTime":1224.4099995000004,"body":"NCUA"},{"speaker":"Treichel","startTime":1224.4099995000004,"endTime":1224.7399990000004,"body":"throws"},{"speaker":"Treichel","startTime":1224.7399990000004,"endTime":1225.0199990000003,"body":"around"},{"speaker":"Treichel","startTime":1225.0199990000003,"endTime":1225.2699990000003,"body":"willy"},{"speaker":"Treichel","startTime":1225.2699990000003,"endTime":1225.5999990000003,"body":"nilly,"},{"speaker":"Treichel","startTime":1225.8999980000003,"endTime":1226.0799980000002,"body":"but"},{"speaker":"Treichel","startTime":1226.0799990000003,"endTime":1226.1899990000002,"body":"it"},{"speaker":"Treichel","startTime":1226.1899990000002,"endTime":1226.3399990000003,"body":"is"},{"speaker":"Treichel","startTime":1226.3599990000002,"endTime":1226.7999990000003,"body":"there"},{"speaker":"Treichel","startTime":1226.8899990000002,"endTime":1227.4199990000002,"body":"to"},{"speaker":"Treichel","startTime":1227.5699990000003,"endTime":1228.1399990000002,"body":"ensure"},{"speaker":"Treichel","startTime":1228.2299990000004,"endTime":1228.5099990000003,"body":"bad"},{"speaker":"Treichel","startTime":1228.5099990000003,"endTime":1228.9899990000004,"body":"actors"},{"speaker":"Treichel","startTime":1229.2699990000003,"endTime":1229.7899990000003,"body":"do"},{"speaker":"Treichel","startTime":1230.2899990000003,"endTime":1230.6499990000002,"body":"comply"},{"speaker":"Treichel","startTime":1230.6499990000002,"endTime":1230.8499990000003,"body":"with"},{"speaker":"Treichel","startTime":1230.8499990000003,"endTime":1230.9699990000004,"body":"the"},{"speaker":"Treichel","startTime":1230.9700990000003,"endTime":1231.3798990000003,"body":"law."},{"speaker":"Treichel","startTime":1231.919999,"endTime":1232.4799990000001,"body":"So,"},{"speaker":"Treichel","startTime":1233.089999,"endTime":1233.339999,"body":"we've"},{"speaker":"Treichel","startTime":1233.339999,"endTime":1233.7199990000001,"body":"mentioned"},{"speaker":"Treichel","startTime":1233.769999,"endTime":1233.939999,"body":"some"},{"speaker":"Treichel","startTime":1233.939999,"endTime":1234.609999,"body":"resources."},{"speaker":"Treichel","startTime":1234.669999,"endTime":1234.769999,"body":"Are"},{"speaker":"Treichel","startTime":1234.769999,"endTime":1234.889999,"body":"there"},{"speaker":"Treichel","startTime":1234.889999,"endTime":1235.069999,"body":"any"},{"speaker":"Treichel","startTime":1235.069999,"endTime":1235.259999,"body":"other"},{"speaker":"Treichel","startTime":1235.269999,"endTime":1236.029999,"body":"resources"},{"speaker":"Treichel","startTime":1236.5499990000003,"endTime":1236.7999990000003,"body":"that"},{"speaker":"Treichel","startTime":1236.7999990000003,"endTime":1237.1299990000002,"body":"you,"},{"speaker":"Treichel","startTime":1237.259999,"endTime":1237.4299990000002,"body":"you"},{"speaker":"Treichel","startTime":1237.4299990000002,"endTime":1237.5999990000003,"body":"want"},{"speaker":"Treichel","startTime":1237.5999990000003,"endTime":1237.6599990000002,"body":"to"},{"speaker":"Treichel","startTime":1237.6699990000002,"endTime":1238.1199990000002,"body":"highlight"},{"speaker":"Treichel","startTime":1238.1299990000002,"endTime":1238.289999,"body":"or"},{"speaker":"Treichel","startTime":1238.289999,"endTime":1238.6399990000002,"body":"any"},{"speaker":"Treichel","startTime":1238.6699990000002,"endTime":1238.789999,"body":"that"},{"speaker":"Treichel","startTime":1238.789999,"endTime":1238.8599990000002,"body":"you"},{"speaker":"Treichel","startTime":1238.8599990000002,"endTime":1238.9799990000001,"body":"would"},{"speaker":"Treichel","startTime":1238.9799990000001,"endTime":1239.1199990000002,"body":"like"},{"speaker":"Treichel","startTime":1239.1199990000002,"endTime":1239.2499990000001,"body":"to"},{"speaker":"Treichel","startTime":1239.2499990000001,"endTime":1239.4499990000002,"body":"re,"},{"speaker":"Treichel","startTime":1239.4499990000002,"endTime":1239.8999990000002,"body":"highlight"},{"speaker":"Treichel","startTime":1239.9299990000002,"endTime":1240.2299990000001,"body":"here"},{"speaker":"Treichel","startTime":1240.289999,"endTime":1240.509999,"body":"as"},{"speaker":"Treichel","startTime":1240.509999,"endTime":1240.779999,"body":"we"},{"speaker":"Treichel","startTime":1241.0199980000002,"endTime":1241.2899980000002,"body":"get"},{"speaker":"Treichel","startTime":1241.289999,"endTime":1241.6899990000002,"body":"closer"},{"speaker":"Treichel","startTime":1241.6899990000002,"endTime":1241.8399990000003,"body":"to"},{"speaker":"Treichel","startTime":1241.8399990000003,"endTime":1242.009999,"body":"the"},{"speaker":"Treichel","startTime":1242.009999,"endTime":1242.1899990000002,"body":"end"},{"speaker":"Treichel","startTime":1242.1899990000002,"endTime":1242.4599990000002,"body":"of"},{"speaker":"Treichel","startTime":1242.509999,"endTime":1242.6599990000002,"body":"our"},{"speaker":"Treichel","startTime":1242.6599990000002,"endTime":1242.8999990000002,"body":"show"},{"speaker":"Treichel","startTime":1242.8999990000002,"endTime":1243.2099990000002,"body":"today?"},{"speaker":"Treichel","startTime":1243.3699990000002,"endTime":1243.6799990000002,"body":"Sure."},{"speaker":"Treichel","startTime":1243.7199990000001,"endTime":1243.9499990000002,"body":"Well,"},{"speaker":"Treichel","startTime":1243.9799980000003,"endTime":1244.0899980000002,"body":"the"},{"speaker":"Treichel","startTime":1244.0899990000003,"endTime":1244.3399990000003,"body":"1st"},{"speaker":"Treichel","startTime":1244.389998,"endTime":1244.649998,"body":"thing"},{"speaker":"Treichel","startTime":1244.6499990000002,"endTime":1244.8999990000002,"body":"is,"},{"speaker":"Treichel","startTime":1245.0699990000003,"endTime":1245.1999990000002,"body":"I"},{"speaker":"Treichel","startTime":1245.1999990000002,"endTime":1245.5999985,"body":"direct"},{"speaker":"Treichel","startTime":1245.5999985,"endTime":1246.1299980000001,"body":"everybody"},{"speaker":"Treichel","startTime":1246.1699990000002,"endTime":1246.279999,"body":"to"},{"speaker":"Treichel","startTime":1246.279999,"endTime":1246.6399990000002,"body":"the"},{"speaker":"Treichel","startTime":1247.3899990000002,"endTime":1248.2399990000001,"body":"regulatory"},{"speaker":"Treichel","startTime":1248.2399990000001,"endTime":1248.6199990000002,"body":"alerts."},{"speaker":"Treichel","startTime":1249.2299980000003,"endTime":1249.5099980000002,"body":"I"},{"speaker":"Treichel","startTime":1249.759999,"endTime":1250.0799990000003,"body":"hope"},{"speaker":"Treichel","startTime":1250.0799990000003,"endTime":1250.5699990000003,"body":"everybody"},{"speaker":"Treichel","startTime":1250.5699990000003,"endTime":1250.8399990000003,"body":"gets"},{"speaker":"Treichel","startTime":1250.8399990000003,"endTime":1251.1999990000002,"body":"those"},{"speaker":"Treichel","startTime":1251.4799990000001,"endTime":1251.7399990000001,"body":"sent"},{"speaker":"Treichel","startTime":1251.7399990000001,"endTime":1251.8399990000003,"body":"to"},{"speaker":"Treichel","startTime":1251.8399990000003,"endTime":1252.0899990000003,"body":"them"},{"speaker":"Treichel","startTime":1252.0899990000003,"endTime":1252.2399990000001,"body":"as"},{"speaker":"Treichel","startTime":1252.2399990000001,"endTime":1252.4299990000002,"body":"they're"},{"speaker":"Treichel","startTime":1252.4299990000002,"endTime":1252.8799990000002,"body":"issued,"},{"speaker":"Treichel","startTime":1252.8999990000002,"endTime":1253.1599990000002,"body":"but"},{"speaker":"Treichel","startTime":1253.5599990000003,"endTime":1253.8999990000002,"body":"every"},{"speaker":"Treichel","startTime":1253.8999990000002,"endTime":1254.2299990000001,"body":"year,"},{"speaker":"Treichel","startTime":1254.2399990000001,"endTime":1254.4299990000002,"body":"the"},{"speaker":"Treichel","startTime":1255.3799990000002,"endTime":1255.9599990000002,"body":"issues"},{"speaker":"Treichel","startTime":1255.9999990000001,"endTime":1256.7099990000002,"body":"to"},{"speaker":"Treichel","startTime":1256.759999,"endTime":1257.529999,"body":"regulatory"},{"speaker":"Treichel","startTime":1257.529999,"endTime":1257.8799990000002,"body":"alerts"},{"speaker":"Treichel","startTime":1257.9899990000001,"endTime":1258.269999,"body":"on"},{"speaker":"Treichel","startTime":1258.2700990000003,"endTime":1259.4698990000002,"body":"near"},{"speaker":"Treichel","startTime":1259.4699990000001,"endTime":1259.5599990000003,"body":"the"},{"speaker":"Treichel","startTime":1259.5599990000003,"endTime":1259.9699990000001,"body":"beginning"},{"speaker":"Treichel","startTime":1259.9699990000001,"endTime":1260.039999,"body":"of"},{"speaker":"Treichel","startTime":1260.039999,"endTime":1260.1299990000002,"body":"the"},{"speaker":"Treichel","startTime":1260.1299990000002,"endTime":1260.5499990000003,"body":"year."},{"speaker":"Treichel","startTime":1260.5699990000003,"endTime":1260.6799990000002,"body":"I"},{"speaker":"Treichel","startTime":1260.6799990000002,"endTime":1261.3099990000003,"body":"believe."},{"speaker":"Treichel","startTime":1261.5099990000003,"endTime":1261.7399990000001,"body":"This"},{"speaker":"Treichel","startTime":1261.7399990000001,"endTime":1261.9299990000002,"body":"year"},{"speaker":"Treichel","startTime":1261.9299990000002,"endTime":1262.0499990000003,"body":"they"},{"speaker":"Treichel","startTime":1262.0499990000003,"endTime":1262.1999990000002,"body":"went"},{"speaker":"Treichel","startTime":1262.1999990000002,"endTime":1262.3499990000003,"body":"out"},{"speaker":"Treichel","startTime":1262.3499990000003,"endTime":1262.4499990000002,"body":"the"},{"speaker":"Treichel","startTime":1262.4499990000002,"endTime":1262.7699990000003,"body":"first"},{"speaker":"Treichel","startTime":1262.7699990000003,"endTime":1262.9299990000002,"body":"week"},{"speaker":"Treichel","startTime":1262.9299990000002,"endTime":1263.0199990000003,"body":"of"},{"speaker":"Treichel","startTime":1263.0199990000003,"endTime":1263.7399990000001,"body":"February."},{"speaker":"Treichel","startTime":1264.0799990000003,"endTime":1264.6399990000002,"body":"One,"},{"speaker":"Treichel","startTime":1265.1199990000002,"endTime":1265.5199990000003,"body":"uh,"},{"speaker":"Treichel","startTime":1265.5299990000003,"endTime":1266.2899990000003,"body":"reminds"},{"speaker":"Treichel","startTime":1266.7799990000003,"endTime":1267.0399990000003,"body":"credit"},{"speaker":"Treichel","startTime":1267.0499990000003,"endTime":1267.4299990000002,"body":"unions"},{"speaker":"Treichel","startTime":1267.4299990000002,"endTime":1267.5399990000003,"body":"who"},{"speaker":"Treichel","startTime":1267.5399990000003,"endTime":1267.5999990000003,"body":"are"},{"speaker":"Treichel","startTime":1267.5999990000003,"endTime":1268.0699990000003,"body":"subject"},{"speaker":"Treichel","startTime":1268.0799990000003,"endTime":1268.1999990000002,"body":"to"},{"speaker":"Treichel","startTime":1268.1999990000002,"endTime":1268.6299990000002,"body":"HMDA"},{"speaker":"Treichel","startTime":1268.6799990000002,"endTime":1268.8599990000002,"body":"to"},{"speaker":"Treichel","startTime":1268.8599990000002,"endTime":1269.4099990000002,"body":"report"},{"speaker":"Treichel","startTime":1269.4899990000001,"endTime":1269.6199990000002,"body":"the"},{"speaker":"Treichel","startTime":1269.6199990000002,"endTime":1270.0499985000001,"body":"previous"},{"speaker":"Treichel","startTime":1270.0499985000001,"endTime":1270.2999980000002,"body":"year's"},{"speaker":"Treichel","startTime":1270.2999980000002,"endTime":1270.6199980000001,"body":"data."},{"speaker":"Treichel","startTime":1270.6199990000002,"endTime":1270.9399990000002,"body":"So"},{"speaker":"Treichel","startTime":1270.9799990000001,"endTime":1271.2199985000002,"body":"this"},{"speaker":"Treichel","startTime":1271.2199985000002,"endTime":1271.5099980000002,"body":"year's"},{"speaker":"Treichel","startTime":1271.5099980000002,"endTime":1271.6099980000001,"body":"would"},{"speaker":"Treichel","startTime":1271.6099990000002,"endTime":1271.7599990000003,"body":"have"},{"speaker":"Treichel","startTime":1271.7799990000003,"endTime":1272.0399990000003,"body":"talked"},{"speaker":"Treichel","startTime":1272.0499980000002,"endTime":1272.3099980000002,"body":"about"},{"speaker":"Treichel","startTime":1272.3199990000003,"endTime":1273.1199990000002,"body":"2021's"},{"speaker":"Treichel","startTime":1273.1499990000002,"endTime":1273.5199990000003,"body":"data."},{"speaker":"Treichel","startTime":1273.6599990000002,"endTime":1273.8399985000003,"body":"And"},{"speaker":"Treichel","startTime":1273.8399985000003,"endTime":1273.9799980000003,"body":"the"},{"speaker":"Treichel","startTime":1273.9799990000001,"endTime":1274.4699990000001,"body":"other"},{"speaker":"Treichel","startTime":1274.5199990000003,"endTime":1275.2799990000003,"body":"provides"},{"speaker":"Treichel","startTime":1275.4499990000002,"endTime":1275.7999990000003,"body":"the"},{"speaker":"Treichel","startTime":1275.8199990000003,"endTime":1276.5899990000003,"body":"standards"},{"speaker":"Treichel","startTime":1276.8899990000002,"endTime":1277.4699990000001,"body":"and"},{"speaker":"Treichel","startTime":1277.4799980000003,"endTime":1277.6499980000003,"body":"the"},{"speaker":"Treichel","startTime":1277.7099990000002,"endTime":1278.4899990000001,"body":"requirements"},{"speaker":"Treichel","startTime":1279.1199990000002,"endTime":1279.8399990000003,"body":"for"},{"speaker":"Treichel","startTime":1279.8699990000002,"endTime":1280.819999,"body":"collecting"},{"speaker":"Treichel","startTime":1280.8599990000002,"endTime":1281.3599990000002,"body":"and"},{"speaker":"Treichel","startTime":1281.3599990000002,"endTime":1282.019999,"body":"reporting"},{"speaker":"Treichel","startTime":1282.020099,"endTime":1282.9698990000002,"body":"2022"},{"speaker":"Treichel","startTime":1282.9699990000001,"endTime":1283.4199990000002,"body":"data."},{"speaker":"Treichel","startTime":1283.5899990000003,"endTime":1283.789999,"body":"So"},{"speaker":"Treichel","startTime":1283.789999,"endTime":1283.9599990000002,"body":"they"},{"speaker":"Treichel","startTime":1283.9599990000002,"endTime":1284.0999990000003,"body":"kind"},{"speaker":"Treichel","startTime":1284.0999990000003,"endTime":1284.1799990000002,"body":"of"},{"speaker":"Treichel","startTime":1284.1799990000002,"endTime":1284.3599990000002,"body":"get"},{"speaker":"Treichel","startTime":1284.3699990000002,"endTime":1284.6899990000002,"body":"both"},{"speaker":"Treichel","startTime":1284.6899990000002,"endTime":1284.9299990000002,"body":"ends"},{"speaker":"Treichel","startTime":1284.9299990000002,"endTime":1285.1599990000002,"body":"of"},{"speaker":"Treichel","startTime":1285.1599990000002,"endTime":1285.5999990000003,"body":"the"},{"speaker":"Treichel","startTime":1285.6099990000002,"endTime":1286.3499990000003,"body":"spectrum"},{"speaker":"Treichel","startTime":1286.519999,"endTime":1286.7099990000002,"body":"with"},{"speaker":"Treichel","startTime":1286.7199990000001,"endTime":1286.9499990000002,"body":"those"},{"speaker":"Treichel","startTime":1286.9499990000002,"endTime":1287.6099990000002,"body":"regulatory"},{"speaker":"Treichel","startTime":1287.6099990000002,"endTime":1287.9199990000002,"body":"alerts."},{"speaker":"Treichel","startTime":1287.9299990000002,"endTime":1288.0499985000001,"body":"So"},{"speaker":"Treichel","startTime":1288.0499985000001,"endTime":1288.2999980000002,"body":"they,"},{"speaker":"Treichel","startTime":1288.819999,"endTime":1289.0099985000002,"body":"they"},{"speaker":"Treichel","startTime":1289.0099985000002,"endTime":1289.8599980000001,"body":"provide."},{"speaker":"Treichel","startTime":1290.269999,"endTime":1290.589999,"body":"More"},{"speaker":"Treichel","startTime":1290.629999,"endTime":1291.079999,"body":"detailed"},{"speaker":"Treichel","startTime":1291.079999,"endTime":1291.7499990000001,"body":"information"},{"speaker":"Treichel","startTime":1291.7499990000001,"endTime":1291.9099990000002,"body":"that"},{"speaker":"Treichel","startTime":1291.9099990000002,"endTime":1292.119999,"body":"I've"},{"speaker":"Treichel","startTime":1292.119999,"endTime":1292.7099990000002,"body":"discussed,"},{"speaker":"Treichel","startTime":1292.7099990000002,"endTime":1292.829999,"body":"and"},{"speaker":"Treichel","startTime":1292.829999,"endTime":1292.9199990000002,"body":"they"},{"speaker":"Treichel","startTime":1292.9199990000002,"endTime":1293.299999,"body":"also"},{"speaker":"Treichel","startTime":1293.299999,"endTime":1294.039999,"body":"have"},{"speaker":"Treichel","startTime":1294.059999,"endTime":1294.539999,"body":"links"},{"speaker":"Treichel","startTime":1294.579999,"endTime":1294.9199990000002,"body":"to"},{"speaker":"Treichel","startTime":1294.9299990000002,"endTime":1295.109999,"body":"some"},{"speaker":"Treichel","startTime":1295.109999,"endTime":1295.1799990000002,"body":"of"},{"speaker":"Treichel","startTime":1295.1899990000002,"endTime":1295.299999,"body":"the"},{"speaker":"Treichel","startTime":1295.299999,"endTime":1295.9899990000001,"body":"important"},{"speaker":"Treichel","startTime":1296.129999,"endTime":1296.9299990000002,"body":"references,"},{"speaker":"Treichel","startTime":1296.9699990000001,"endTime":1297.139999,"body":"which"},{"speaker":"Treichel","startTime":1297.139999,"endTime":1297.259999,"body":"I'm"},{"speaker":"Treichel","startTime":1297.259999,"endTime":1297.359999,"body":"going"},{"speaker":"Treichel","startTime":1297.359999,"endTime":1297.4999990000001,"body":"to"},{"speaker":"Treichel","startTime":1297.519999,"endTime":1297.779999,"body":"talk"},{"speaker":"Treichel","startTime":1297.789999,"endTime":1298.079999,"body":"about"},{"speaker":"Treichel","startTime":1298.089999,"endTime":1298.509999,"body":"now."},{"speaker":"Treichel","startTime":1298.9099980000003,"endTime":1298.9899980000002,"body":"I"},{"speaker":"Treichel","startTime":1298.9899980000002,"endTime":1299.2199980000003,"body":"did"},{"speaker":"Treichel","startTime":1299.2199990000001,"endTime":1299.8299990000003,"body":"mention"},{"speaker":"Treichel","startTime":1299.8399990000003,"endTime":1300.1899990000002,"body":"the"},{"speaker":"Treichel","startTime":1300.2399980000002,"endTime":1300.4599980000003,"body":"F."},{"speaker":"Treichel","startTime":1300.4599990000002,"endTime":1300.6999985000002,"body":"F."},{"speaker":"Treichel","startTime":1300.6999985000002,"endTime":1300.8599980000004,"body":"I."},{"speaker":"Treichel","startTime":1300.8799990000002,"endTime":1301.0899990000003,"body":"E."},{"speaker":"Treichel","startTime":1301.1599980000003,"endTime":1301.4599980000003,"body":"C."},{"speaker":"Treichel","startTime":1301.4899980000002,"endTime":1301.5099980000002,"body":"S."},{"speaker":"Treichel","startTime":1301.5199990000003,"endTime":1302.2099990000002,"body":"website."},{"speaker":"Treichel","startTime":1302.2199990000001,"endTime":1302.4699990000001,"body":"That's"},{"speaker":"Treichel","startTime":1302.5599990000003,"endTime":1302.8099990000003,"body":"F."},{"speaker":"Treichel","startTime":1302.8899990000002,"endTime":1303.1599990000002,"body":"F."},{"speaker":"Treichel","startTime":1303.8299990000003,"endTime":1303.9899990000004,"body":"Well,"},{"speaker":"Treichel","startTime":1303.9999990000003,"endTime":1304.2399985000002,"body":"excuse"},{"speaker":"Treichel","startTime":1304.2399985000002,"endTime":1304.4199980000003,"body":"me."},{"speaker":"Treichel","startTime":1304.5299980000002,"endTime":1304.8099980000002,"body":"W."},{"speaker":"Treichel","startTime":1304.8099990000003,"endTime":1305.0399990000003,"body":"W."},{"speaker":"Treichel","startTime":1305.0399990000003,"endTime":1305.3799990000002,"body":"W."},{"speaker":"Treichel","startTime":1305.3799990000002,"endTime":1305.7399990000004,"body":"dot."},{"speaker":"Treichel","startTime":1308.394999,"endTime":1308.634999,"body":"It"},{"speaker":"Treichel","startTime":1308.634999,"endTime":1309.1249990000001,"body":"has"},{"speaker":"Treichel","startTime":1309.1849990000003,"endTime":1309.2749990000002,"body":"a"},{"speaker":"Treichel","startTime":1309.2749990000002,"endTime":1309.5749990000002,"body":"number"},{"speaker":"Treichel","startTime":1309.5749990000002,"endTime":1309.6849990000003,"body":"of"},{"speaker":"Treichel","startTime":1309.6849990000003,"endTime":1309.904999,"body":"hum"},{"speaker":"Treichel","startTime":1309.904999,"endTime":1310.0249990000002,"body":"to"},{"speaker":"Treichel","startTime":1310.0249990000002,"endTime":1310.8149990000002,"body":"references,"},{"speaker":"Treichel","startTime":1310.8149990000002,"endTime":1310.9949990000002,"body":"and"},{"speaker":"Treichel","startTime":1310.9949990000002,"endTime":1311.0149990000002,"body":"it"},{"speaker":"Treichel","startTime":1311.0349990000002,"endTime":1311.3449990000001,"body":"actually"},{"speaker":"Treichel","startTime":1311.3449990000001,"endTime":1311.4849990000002,"body":"has"},{"speaker":"Treichel","startTime":1311.4849990000002,"endTime":1311.5549990000002,"body":"a"},{"speaker":"Treichel","startTime":1311.5649990000002,"endTime":1312.0649990000002,"body":"breakdown"},{"speaker":"Treichel","startTime":1312.0649990000002,"endTime":1312.2549990000002,"body":"by"},{"speaker":"Treichel","startTime":1312.2649990000002,"endTime":1312.884999,"body":"year."},{"speaker":"Treichel","startTime":1313.0449990000002,"endTime":1313.2549990000002,"body":"If"},{"speaker":"Treichel","startTime":1313.2549990000002,"endTime":1313.4649990000003,"body":"there's"},{"speaker":"Treichel","startTime":1313.4649990000003,"endTime":1313.6949990000003,"body":"any"},{"speaker":"Treichel","startTime":1313.6949990000003,"endTime":1314.134999,"body":"issues"},{"speaker":"Treichel","startTime":1314.134999,"endTime":1314.2949990000002,"body":"with"},{"speaker":"Treichel","startTime":1314.3149990000002,"endTime":1314.8349990000002,"body":"previous"},{"speaker":"Treichel","startTime":1314.8349990000002,"endTime":1315.2249990000003,"body":"years,"},{"speaker":"Treichel","startTime":1316.3849980000002,"endTime":1317.0849980000003,"body":"probably"},{"speaker":"Treichel","startTime":1317.0849990000002,"endTime":1317.2349990000002,"body":"the"},{"speaker":"Treichel","startTime":1317.2449990000002,"endTime":1317.8249990000002,"body":"most"},{"speaker":"Treichel","startTime":1317.8249990000002,"endTime":1318.5949990000001,"body":"important"},{"speaker":"Treichel","startTime":1318.7449990000002,"endTime":1319.5649990000002,"body":"resource"},{"speaker":"Treichel","startTime":1319.644999,"endTime":1319.8849985000002,"body":"on"},{"speaker":"Treichel","startTime":1319.8849985000002,"endTime":1320.1549980000002,"body":"that"},{"speaker":"Treichel","startTime":1320.154999,"endTime":1320.914999,"body":"website"},{"speaker":"Treichel","startTime":1320.9949990000002,"endTime":1321.3049990000002,"body":"is"},{"speaker":"Treichel","startTime":1321.3049990000002,"endTime":1321.5249990000002,"body":"what's"},{"speaker":"Treichel","startTime":1321.5249990000002,"endTime":1321.8749985000002,"body":"called"},{"speaker":"Treichel","startTime":1321.8749985000002,"endTime":1322.054998,"body":"the"},{"speaker":"Treichel","startTime":1322.0649990000002,"endTime":1322.4549990000003,"body":"getting"},{"speaker":"Treichel","startTime":1322.4549990000003,"endTime":1322.6349985000002,"body":"it"},{"speaker":"Treichel","startTime":1322.6349985000002,"endTime":1323.064998,"body":"right"},{"speaker":"Treichel","startTime":1323.144999,"endTime":1323.7349990000002,"body":"guide."},{"speaker":"Treichel","startTime":1324.379999,"endTime":1324.609999,"body":"Some"},{"speaker":"Treichel","startTime":1324.609999,"endTime":1324.919999,"body":"people"},{"speaker":"Treichel","startTime":1324.919999,"endTime":1325.279999,"body":"refer"},{"speaker":"Treichel","startTime":1325.279999,"endTime":1325.439999,"body":"to"},{"speaker":"Treichel","startTime":1325.439999,"endTime":1325.529999,"body":"it"},{"speaker":"Treichel","startTime":1325.529999,"endTime":1325.679999,"body":"by"},{"speaker":"Treichel","startTime":1325.679999,"endTime":1325.869999,"body":"its"},{"speaker":"Treichel","startTime":1325.869999,"endTime":1326.439999,"body":"acronym,"},{"speaker":"Treichel","startTime":1326.439999,"endTime":1326.609999,"body":"which"},{"speaker":"Treichel","startTime":1326.619999,"endTime":1326.669999,"body":"is"},{"speaker":"Treichel","startTime":1326.809999,"endTime":1327.379999,"body":"GERG,"},{"speaker":"Treichel","startTime":1327.399999,"endTime":1327.649999,"body":"which"},{"speaker":"Treichel","startTime":1327.649999,"endTime":1327.779999,"body":"I"},{"speaker":"Treichel","startTime":1327.789999,"endTime":1327.9999990000001,"body":"think"},{"speaker":"Treichel","startTime":1327.9999990000001,"endTime":1328.2099990000002,"body":"is"},{"speaker":"Treichel","startTime":1328.349999,"endTime":1328.529999,"body":"kind"},{"speaker":"Treichel","startTime":1328.529999,"endTime":1328.649999,"body":"of"},{"speaker":"Treichel","startTime":1328.649999,"endTime":1328.879999,"body":"a"},{"speaker":"Treichel","startTime":1328.9999990000001,"endTime":1329.509999,"body":"awkward"},{"speaker":"Treichel","startTime":1329.509999,"endTime":1329.9599990000002,"body":"word,"},{"speaker":"Treichel","startTime":1329.9599990000002,"endTime":1330.2099990000002,"body":"but"},{"speaker":"Treichel","startTime":1330.4599990000002,"endTime":1330.589999,"body":"the"},{"speaker":"Treichel","startTime":1330.589999,"endTime":1330.899999,"body":"getting"},{"speaker":"Treichel","startTime":1330.899999,"endTime":1331.029999,"body":"it"},{"speaker":"Treichel","startTime":1331.029999,"endTime":1331.329999,"body":"right"},{"speaker":"Treichel","startTime":1331.329999,"endTime":1331.919999,"body":"guide"},{"speaker":"Treichel","startTime":1331.9999990000001,"endTime":1332.3899985,"body":"really"},{"speaker":"Treichel","startTime":1332.3899985,"endTime":1332.5899980000002,"body":"is"},{"speaker":"Treichel","startTime":1332.599999,"endTime":1333.169999,"body":"almost"},{"speaker":"Treichel","startTime":1333.179998,"endTime":1333.429998,"body":"1"},{"speaker":"Treichel","startTime":1333.439999,"endTime":1333.779999,"body":"stop"},{"speaker":"Treichel","startTime":1333.779999,"endTime":1334.409999,"body":"shopping"},{"speaker":"Treichel","startTime":1334.4599990000002,"endTime":1335.089999,"body":"because"},{"speaker":"Treichel","startTime":1335.089999,"endTime":1335.289999,"body":"it"},{"speaker":"Treichel","startTime":1335.309999,"endTime":1335.699999,"body":"goes"},{"speaker":"Treichel","startTime":1335.699999,"endTime":1336.199999,"body":"over"},{"speaker":"Treichel","startTime":1336.3399980000002,"endTime":1336.809998,"body":"pretty"},{"speaker":"Treichel","startTime":1336.889999,"endTime":1337.299999,"body":"much"},{"speaker":"Treichel","startTime":1337.349999,"endTime":1337.789999,"body":"every"},{"speaker":"Treichel","startTime":1337.789999,"endTime":1338.3799985,"body":"detail"},{"speaker":"Treichel","startTime":1338.3799985,"endTime":1338.509998,"body":"and"},{"speaker":"Treichel","startTime":1338.509998,"endTime":1338.709998,"body":"how"},{"speaker":"Treichel","startTime":1338.809999,"endTime":1339.0299989999999,"body":"you"},{"speaker":"Treichel","startTime":1339.0299989999999,"endTime":1339.159999,"body":"can"},{"speaker":"Treichel","startTime":1339.159999,"endTime":1339.839999,"body":"imagine"},{"speaker":"Treichel","startTime":1340.269998,"endTime":1340.439998,"body":"it"},{"speaker":"Treichel","startTime":1340.439998,"endTime":1340.759998,"body":"has"},{"speaker":"Treichel","startTime":1340.859998,"endTime":1341.289998,"body":"charts"},{"speaker":"Treichel","startTime":1341.679999,"endTime":1342.2799989999999,"body":"on"},{"speaker":"Treichel","startTime":1342.289998,"endTime":1342.589998,"body":"who"},{"speaker":"Treichel","startTime":1342.589999,"endTime":1342.809999,"body":"is"},{"speaker":"Treichel","startTime":1342.809999,"endTime":1343.469999,"body":"required"},{"speaker":"Treichel","startTime":1343.499999,"endTime":1343.899999,"body":"to"},{"speaker":"Treichel","startTime":1343.929999,"endTime":1344.739999,"body":"comply"},{"speaker":"Treichel","startTime":1344.949999,"endTime":1345.2799989999999,"body":"what"},{"speaker":"Treichel","startTime":1345.289999,"endTime":1345.629999,"body":"date"},{"speaker":"Treichel","startTime":1345.629999,"endTime":1345.819999,"body":"is"},{"speaker":"Treichel","startTime":1345.819999,"endTime":1346.079999,"body":"being"},{"speaker":"Treichel","startTime":1346.079999,"endTime":1346.849999,"body":"collected"},{"speaker":"Treichel","startTime":1347.049999,"endTime":1347.379999,"body":"what"},{"speaker":"Treichel","startTime":1347.399999,"endTime":1347.699999,"body":"date"},{"speaker":"Treichel","startTime":1347.699999,"endTime":1347.909999,"body":"is"},{"speaker":"Treichel","startTime":1347.909999,"endTime":1348.489999,"body":"subject"},{"speaker":"Treichel","startTime":1348.5099989999999,"endTime":1348.799999,"body":"to"},{"speaker":"Treichel","startTime":1348.799999,"endTime":1349.299999,"body":"the."},{"speaker":"Treichel","startTime":1349.569999,"endTime":1350.039999,"body":"Partial"},{"speaker":"Treichel","startTime":1350.039999,"endTime":1350.7299990000001,"body":"exemptions"},{"speaker":"Treichel","startTime":1350.7499990000001,"endTime":1350.8999990000002,"body":"we"},{"speaker":"Treichel","startTime":1350.8999990000002,"endTime":1351.579999,"body":"discussed"},{"speaker":"Treichel","startTime":1351.6599990000002,"endTime":1352.089999,"body":"doesn't"},{"speaker":"Treichel","startTime":1352.089999,"endTime":1352.379999,"body":"have"},{"speaker":"Treichel","startTime":1352.379999,"endTime":1352.4999990000001,"body":"to"},{"speaker":"Treichel","startTime":1352.509999,"endTime":1352.6899990000002,"body":"be"},{"speaker":"Treichel","startTime":1352.6899990000002,"endTime":1353.319999,"body":"submitted."},{"speaker":"Treichel","startTime":1353.789999,"endTime":1354.109999,"body":"It"},{"speaker":"Treichel","startTime":1354.109999,"endTime":1354.3899990000002,"body":"really"},{"speaker":"Treichel","startTime":1354.3899990000002,"endTime":1354.6599990000002,"body":"does"},{"speaker":"Treichel","startTime":1354.6699990000002,"endTime":1354.9599990000002,"body":"have"},{"speaker":"Treichel","startTime":1354.9599990000002,"endTime":1355.039999,"body":"a"},{"speaker":"Treichel","startTime":1355.039999,"endTime":1355.569999,"body":"lot"},{"speaker":"Treichel","startTime":1355.579999,"endTime":1356.1799990000002,"body":"of."},{"speaker":"Treichel","startTime":1356.929999,"endTime":1357.079999,"body":"Of"},{"speaker":"Treichel","startTime":1357.079999,"endTime":1357.669999,"body":"individual"},{"speaker":"Treichel","startTime":1357.669999,"endTime":1358.279999,"body":"resources"},{"speaker":"Treichel","startTime":1358.299999,"endTime":1358.649999,"body":"within"},{"speaker":"Treichel","startTime":1358.649999,"endTime":1358.809999,"body":"it,"},{"speaker":"Treichel","startTime":1359.289999,"endTime":1359.3699990000002,"body":"and"},{"speaker":"Treichel","startTime":1359.3699990000002,"endTime":1359.529999,"body":"then"},{"speaker":"Treichel","startTime":1359.529999,"endTime":1360.2099990000002,"body":"finally,"},{"speaker":"Treichel","startTime":1360.6199990000002,"endTime":1361.009999,"body":"the"},{"speaker":"Treichel","startTime":1361.039999,"endTime":1361.4399990000002,"body":"consumer"},{"speaker":"Treichel","startTime":1361.4399990000002,"endTime":1361.9199990000002,"body":"financial"},{"speaker":"Treichel","startTime":1361.9199990000002,"endTime":1362.4799990000001,"body":"protection"},{"speaker":"Treichel","startTime":1362.4799990000001,"endTime":1363.059999,"body":"bureaus"},{"speaker":"Treichel","startTime":1363.089999,"endTime":1363.7299990000001,"body":"website,"},{"speaker":"Treichel","startTime":1363.759999,"endTime":1364.009999,"body":"which"},{"speaker":"Treichel","startTime":1364.019999,"endTime":1364.319999,"body":"is"},{"speaker":"Treichel","startTime":1365.6699990000002,"endTime":1366.1399990000002,"body":"consumer"},{"speaker":"Treichel","startTime":1366.1399990000002,"endTime":1366.609999,"body":"finance"},{"speaker":"Treichel","startTime":1366.609999,"endTime":1366.849999,"body":"dot"},{"speaker":"Treichel","startTime":1366.8799990000002,"endTime":1367.3999990000002,"body":"Gov."},{"speaker":"Treichel","startTime":1367.8899990000002,"endTime":1367.9199990000002,"body":"If"},{"speaker":"Treichel","startTime":1367.9199990000002,"endTime":1367.9399990000002,"body":"you"},{"speaker":"Treichel","startTime":1367.9400990000001,"endTime":1368.2450738750001,"body":"can"},{"speaker":"Treichel","startTime":1368.2450738750001,"endTime":1368.55004875,"body":"find"},{"speaker":"Treichel","startTime":1368.55004875,"endTime":1368.855023625,"body":"the"},{"speaker":"Treichel","startTime":1368.855023625,"endTime":1369.1599985,"body":"compliance"},{"speaker":"Treichel","startTime":1369.1599985000003,"endTime":1369.4649733750002,"body":"resources"},{"speaker":"Treichel","startTime":1369.4649733750002,"endTime":1369.7699482500002,"body":"there,"},{"speaker":"Treichel","startTime":1369.7699482500002,"endTime":1370.0749231250002,"body":"there"},{"speaker":"Treichel","startTime":1370.0749231250002,"endTime":1370.3798980000001,"body":"is"},{"speaker":"Treichel","startTime":1370.3799980000001,"endTime":1371.5099980000002,"body":"1"},{"speaker":"Treichel","startTime":1371.509999,"endTime":1371.599999,"body":"for"},{"speaker":"Treichel","startTime":1371.599999,"endTime":1371.829999,"body":"hum."},{"speaker":"Treichel","startTime":1372.1599990000002,"endTime":1372.309999,"body":"And"},{"speaker":"Treichel","startTime":1372.309999,"endTime":1372.4499990000002,"body":"it"},{"speaker":"Treichel","startTime":1372.4699990000001,"endTime":1372.8599985,"body":"also"},{"speaker":"Treichel","startTime":1372.8599985,"endTime":1373.2699980000002,"body":"has"},{"speaker":"Treichel","startTime":1373.589999,"endTime":1373.7099985000002,"body":"a"},{"speaker":"Treichel","startTime":1373.7099985000002,"endTime":1373.939998,"body":"lot"},{"speaker":"Treichel","startTime":1373.939998,"endTime":1374.0899980000002,"body":"of"},{"speaker":"Treichel","startTime":1374.089999,"endTime":1374.3699990000002,"body":"different"},{"speaker":"Treichel","startTime":1374.4399990000002,"endTime":1374.9799990000001,"body":"resources."},{"speaker":"Treichel","startTime":1375.6899990000002,"endTime":1376.009999,"body":"Very"},{"speaker":"Treichel","startTime":1376.009999,"endTime":1376.2399990000001,"body":"good,"},{"speaker":"Treichel","startTime":1376.2399990000001,"endTime":1376.539999,"body":"Joe."},{"speaker":"Treichel","startTime":1376.6199990000002,"endTime":1377.009999,"body":"So"},{"speaker":"Treichel","startTime":1377.049999,"endTime":1377.4399990000002,"body":"before"},{"speaker":"Treichel","startTime":1377.4399990000002,"endTime":1377.5799990000003,"body":"we"},{"speaker":"Treichel","startTime":1377.5799990000003,"endTime":1377.819999,"body":"wrap"},{"speaker":"Treichel","startTime":1377.8399990000003,"endTime":1377.9999990000001,"body":"up"},{"speaker":"Treichel","startTime":1377.9999990000001,"endTime":1378.4299990000002,"body":"here,"},{"speaker":"Treichel","startTime":1378.6099990000002,"endTime":1378.799999,"body":"are"},{"speaker":"Treichel","startTime":1378.799999,"endTime":1378.9699990000001,"body":"there"},{"speaker":"Treichel","startTime":1378.9699990000001,"endTime":1379.3299990000003,"body":"any"},{"speaker":"Treichel","startTime":1379.3899990000002,"endTime":1380.0799990000003,"body":"sanitized"},{"speaker":"Treichel","startTime":1380.0799990000003,"endTime":1380.789999,"body":"examples"},{"speaker":"Treichel","startTime":1380.819999,"endTime":1381.039999,"body":"of"},{"speaker":"Treichel","startTime":1381.1099990000002,"endTime":1381.8299990000003,"body":"situations"},{"speaker":"Treichel","startTime":1381.8499990000003,"endTime":1382.029999,"body":"that"},{"speaker":"Treichel","startTime":1382.029999,"endTime":1382.1799990000002,"body":"you"},{"speaker":"Treichel","startTime":1382.1799990000002,"endTime":1382.5999990000003,"body":"recall"},{"speaker":"Treichel","startTime":1382.5999990000003,"endTime":1382.819999,"body":"from"},{"speaker":"Treichel","startTime":1382.819999,"endTime":1382.9899990000001,"body":"your"},{"speaker":"Treichel","startTime":1382.9999990000001,"endTime":1383.4899990000001,"body":"time"},{"speaker":"Treichel","startTime":1383.7499990000001,"endTime":1383.9599990000002,"body":"in"},{"speaker":"Treichel","startTime":1383.9599990000002,"endTime":1384.2999985000001,"body":"charge"},{"speaker":"Treichel","startTime":1384.2999985000001,"endTime":1384.449998,"body":"of"},{"speaker":"Treichel","startTime":1384.4499990000002,"endTime":1384.6099990000002,"body":"this"},{"speaker":"Treichel","startTime":1384.6199990000002,"endTime":1385.269999,"body":"program"},{"speaker":"Treichel","startTime":1385.6299980000001,"endTime":1386.3199980000002,"body":"where"},{"speaker":"Treichel","startTime":1386.829999,"endTime":1387.149999,"body":"you"},{"speaker":"Treichel","startTime":1387.149999,"endTime":1387.459999,"body":"saw"},{"speaker":"Treichel","startTime":1387.459999,"endTime":1387.619999,"body":"that"},{"speaker":"Treichel","startTime":1387.619999,"endTime":1387.669999,"body":"a"},{"speaker":"Treichel","startTime":1387.669999,"endTime":1387.949999,"body":"credit"},{"speaker":"Treichel","startTime":1387.959999,"endTime":1388.559999,"body":"union"},{"speaker":"Treichel","startTime":1388.729998,"endTime":1389.269998,"body":"failed"},{"speaker":"Treichel","startTime":1389.329999,"endTime":1389.509999,"body":"to"},{"speaker":"Treichel","startTime":1389.519998,"endTime":1390.039998,"body":"do"},{"speaker":"Treichel","startTime":1390.079999,"endTime":1390.319999,"body":"what"},{"speaker":"Treichel","startTime":1390.319999,"endTime":1390.449999,"body":"it"},{"speaker":"Treichel","startTime":1390.449999,"endTime":1390.789999,"body":"needed"},{"speaker":"Treichel","startTime":1390.789999,"endTime":1390.949999,"body":"to"},{"speaker":"Treichel","startTime":1390.959999,"endTime":1391.599999,"body":"do"},{"speaker":"Treichel","startTime":1391.749998,"endTime":1391.969998,"body":"and"},{"speaker":"Treichel","startTime":1391.969999,"endTime":1392.1799985,"body":"how"},{"speaker":"Treichel","startTime":1392.1799985,"endTime":1392.449998,"body":"that"},{"speaker":"Treichel","startTime":1392.449999,"endTime":1392.5999985,"body":"might"},{"speaker":"Treichel","startTime":1392.5999985,"endTime":1392.739998,"body":"have"},{"speaker":"Treichel","startTime":1392.749998,"endTime":1393.269998,"body":"impacted"},{"speaker":"Treichel","startTime":1393.269998,"endTime":1393.339998,"body":"the"},{"speaker":"Treichel","startTime":1393.339998,"endTime":1393.619998,"body":"credit"},{"speaker":"Treichel","startTime":1393.629999,"endTime":1393.959999,"body":"union"},{"speaker":"Treichel","startTime":1393.959999,"endTime":1394.209999,"body":"relative"},{"speaker":"Treichel","startTime":1394.209999,"endTime":1394.399999,"body":"to"},{"speaker":"Treichel","startTime":1394.399999,"endTime":1394.559999,"body":"their"},{"speaker":"Treichel","startTime":1394.559999,"endTime":1395.489999,"body":"examination"},{"speaker":"Treichel","startTime":1395.879999,"endTime":1396.149999,"body":"and"},{"speaker":"Treichel","startTime":1396.149999,"endTime":1396.549999,"body":"or,"},{"speaker":"Treichel","startTime":1396.629999,"endTime":1396.779999,"body":"you"},{"speaker":"Treichel","startTime":1396.779999,"endTime":1396.909999,"body":"know,"},{"speaker":"Treichel","startTime":1396.909999,"endTime":1397.209999,"body":"the,"},{"speaker":"Treichel","startTime":1397.319999,"endTime":1397.469999,"body":"the"},{"speaker":"Treichel","startTime":1397.469999,"endTime":1397.789999,"body":"steps"},{"speaker":"Treichel","startTime":1397.839999,"endTime":1398.049999,"body":"that"},{"speaker":"Treichel","startTime":1398.089999,"endTime":1398.339999,"body":"that"},{"speaker":"Treichel","startTime":1398.339999,"endTime":1398.599999,"body":"credit"},{"speaker":"Treichel","startTime":1398.599999,"endTime":1398.849999,"body":"union"},{"speaker":"Treichel","startTime":1398.849999,"endTime":1399.059999,"body":"had"},{"speaker":"Treichel","startTime":1399.059999,"endTime":1399.169999,"body":"to"},{"speaker":"Treichel","startTime":1399.199999,"endTime":1399.529999,"body":"take"},{"speaker":"Treichel","startTime":1399.569999,"endTime":1399.719999,"body":"to"},{"speaker":"Treichel","startTime":1399.719999,"endTime":1399.949999,"body":"get"},{"speaker":"Treichel","startTime":1399.999999,"endTime":1400.389999,"body":"back"},{"speaker":"Treichel","startTime":1400.429999,"endTime":1400.769999,"body":"within"},{"speaker":"Treichel","startTime":1400.769999,"endTime":1400.869999,"body":"the"},{"speaker":"Treichel","startTime":1400.879999,"endTime":1401.369999,"body":"confines"},{"speaker":"Treichel","startTime":1401.369999,"endTime":1401.509999,"body":"of"},{"speaker":"Treichel","startTime":1401.509999,"endTime":1401.579999,"body":"the"},{"speaker":"Treichel","startTime":1401.579999,"endTime":1401.899999,"body":"law."},{"speaker":"Treichel","startTime":1402.269999,"endTime":1402.6899990000002,"body":"Anything"},{"speaker":"Treichel","startTime":1402.6899990000002,"endTime":1402.9099990000002,"body":"jump"},{"speaker":"Treichel","startTime":1402.9099990000002,"endTime":1403.049999,"body":"into"},{"speaker":"Treichel","startTime":1403.049999,"endTime":1403.1699990000002,"body":"your"},{"speaker":"Treichel","startTime":1403.1699990000002,"endTime":1403.4599990000002,"body":"head."},{"speaker":"Treichel","startTime":1404.164999,"endTime":1404.534999,"body":"Well,"},{"speaker":"Treichel","startTime":1404.5949990000001,"endTime":1404.724999,"body":"a"},{"speaker":"Treichel","startTime":1404.724999,"endTime":1405.024999,"body":"couple"},{"speaker":"Treichel","startTime":1405.024999,"endTime":1405.134999,"body":"of"},{"speaker":"Treichel","startTime":1405.134999,"endTime":1405.5649990000002,"body":"things."},{"speaker":"Treichel","startTime":1405.5649990000002,"endTime":1405.794999,"body":"There"},{"speaker":"Treichel","startTime":1405.8549990000001,"endTime":1406.254999,"body":"often"},{"speaker":"Treichel","startTime":1406.254999,"endTime":1406.394999,"body":"are"},{"speaker":"Treichel","startTime":1406.394999,"endTime":1406.894999,"body":"times"},{"speaker":"Treichel","startTime":1406.924999,"endTime":1407.414999,"body":"where"},{"speaker":"Treichel","startTime":1407.464999,"endTime":1407.6149990000001,"body":"the"},{"speaker":"Treichel","startTime":1407.6149990000001,"endTime":1408.3649990000001,"body":"data"},{"speaker":"Treichel","startTime":1408.634999,"endTime":1408.884999,"body":"in"},{"speaker":"Treichel","startTime":1408.884999,"endTime":1409.214999,"body":"the,"},{"speaker":"Treichel","startTime":1409.224999,"endTime":1409.384999,"body":"the"},{"speaker":"Treichel","startTime":1409.384999,"endTime":1410.164999,"body":"LAR"},{"speaker":"Treichel","startTime":1410.3249990000002,"endTime":1410.904999,"body":"is"},{"speaker":"Treichel","startTime":1411.214999,"endTime":1411.524999,"body":"not"},{"speaker":"Treichel","startTime":1411.524999,"endTime":1412.0749990000002,"body":"accurate."},{"speaker":"Treichel","startTime":1412.134999,"endTime":1412.2849985,"body":"So,"},{"speaker":"Treichel","startTime":1412.2849985,"endTime":1412.4849980000001,"body":"what"},{"speaker":"Treichel","startTime":1412.644999,"endTime":1412.934999,"body":"gets"},{"speaker":"Treichel","startTime":1412.944999,"endTime":1413.464999,"body":"submitted"},{"speaker":"Treichel","startTime":1413.484999,"endTime":1414.0749990000002,"body":"to"},{"speaker":"Treichel","startTime":1414.114998,"endTime":1414.2549980000001,"body":"the"},{"speaker":"Treichel","startTime":1414.254999,"endTime":1414.804999,"body":"website"},{"speaker":"Treichel","startTime":1414.804999,"endTime":1414.934999,"body":"is"},{"speaker":"Treichel","startTime":1414.934999,"endTime":1415.184999,"body":"not"},{"speaker":"Treichel","startTime":1415.184999,"endTime":1415.774999,"body":"accurate."},{"speaker":"Treichel","startTime":1416.024999,"endTime":1416.274999,"body":"There"},{"speaker":"Treichel","startTime":1416.274999,"endTime":1416.8149990000002,"body":"actually"},{"speaker":"Treichel","startTime":1416.8349990000002,"endTime":1417.1249990000001,"body":"are"},{"speaker":"Treichel","startTime":1417.1249990000001,"endTime":1417.934999,"body":"standards"},{"speaker":"Treichel","startTime":1418.3349990000002,"endTime":1419.044999,"body":"established"},{"speaker":"Treichel","startTime":1419.044999,"endTime":1419.244999,"body":"by"},{"speaker":"Treichel","startTime":1419.274998,"endTime":1419.4449980000002,"body":"NCUA"},{"speaker":"Treichel","startTime":1420.174999,"endTime":1420.3749990000001,"body":"so"},{"speaker":"Treichel","startTime":1420.375,"endTime":1420.765,"body":"that"},{"speaker":"Treichel","startTime":1421.144998,"endTime":1421.334998,"body":"there's"},{"speaker":"Treichel","startTime":1421.3349990000002,"endTime":1421.3949985000002,"body":"a"},{"speaker":"Treichel","startTime":1421.3949985000002,"endTime":1422.024998,"body":"threshold."},{"speaker":"Treichel","startTime":1422.274999,"endTime":1422.3749990000001,"body":"A"},{"speaker":"Treichel","startTime":1422.375,"endTime":1422.5749995,"body":"few"},{"speaker":"Treichel","startTime":1422.5749995,"endTime":1422.954999,"body":"minor"},{"speaker":"Treichel","startTime":1422.954999,"endTime":1423.504999,"body":"errors,"},{"speaker":"Treichel","startTime":1424.304999,"endTime":1424.514999,"body":"pretty"},{"speaker":"Treichel","startTime":1424.514999,"endTime":1424.694999,"body":"much"},{"speaker":"Treichel","startTime":1424.724999,"endTime":1425.064999,"body":"nothing"},{"speaker":"Treichel","startTime":1425.064999,"endTime":1425.5949990000001,"body":"happens."},{"speaker":"Treichel","startTime":1425.5949990000001,"endTime":1425.704999,"body":"We"},{"speaker":"Treichel","startTime":1425.704999,"endTime":1425.954999,"body":"just"},{"speaker":"Treichel","startTime":1425.974999,"endTime":1426.654999,"body":"requested"},{"speaker":"Treichel","startTime":1426.664999,"endTime":1426.8749990000001,"body":"that"},{"speaker":"Treichel","startTime":1426.8749990000001,"endTime":1426.974999,"body":"the"},{"speaker":"Treichel","startTime":1426.974999,"endTime":1427.254999,"body":"credit"},{"speaker":"Treichel","startTime":1427.264999,"endTime":1427.814999,"body":"unions"},{"speaker":"Treichel","startTime":1428.6049990000001,"endTime":1428.894999,"body":"may"},{"speaker":"Treichel","startTime":1429.0149990000002,"endTime":1429.384999,"body":"fix,"},{"speaker":"Treichel","startTime":1429.394999,"endTime":1429.7249990000003,"body":"fix"},{"speaker":"Treichel","startTime":1429.7249990000003,"endTime":1429.8649990000001,"body":"the"},{"speaker":"Treichel","startTime":1429.8649990000001,"endTime":1430.3549990000001,"body":"errors"},{"speaker":"Treichel","startTime":1430.5149990000002,"endTime":1431.3449990000001,"body":"internally."},{"speaker":"Treichel","startTime":1431.7849990000002,"endTime":1432.134999,"body":"But"},{"speaker":"Treichel","startTime":1432.164999,"endTime":1432.5949990000001,"body":"if"},{"speaker":"Treichel","startTime":1432.6049990000001,"endTime":1433.144999,"body":"the"},{"speaker":"Treichel","startTime":1433.174999,"endTime":1433.7549990000002,"body":"errors"},{"speaker":"Treichel","startTime":1433.914999,"endTime":1434.484999,"body":"exceed"},{"speaker":"Treichel","startTime":1434.484999,"endTime":1434.5649990000002,"body":"a"},{"speaker":"Treichel","startTime":1434.5649990000002,"endTime":1434.974999,"body":"certain"},{"speaker":"Treichel","startTime":1434.9949990000002,"endTime":1435.8249990000002,"body":"threshold,"},{"speaker":"Treichel","startTime":1436.144999,"endTime":1436.3249990000002,"body":"the"},{"speaker":"Treichel","startTime":1436.3249990000002,"endTime":1436.7749990000002,"body":"NCUA"},{"speaker":"Treichel","startTime":1436.7749990000002,"endTime":1436.984999,"body":"will"},{"speaker":"Treichel","startTime":1436.984999,"endTime":1437.5149990000002,"body":"require"},{"speaker":"Treichel","startTime":1437.5149990000002,"endTime":1437.6149990000001,"body":"the"},{"speaker":"Treichel","startTime":1437.6149990000001,"endTime":1437.914999,"body":"credit"},{"speaker":"Treichel","startTime":1437.924999,"endTime":1438.414999,"body":"union"},{"speaker":"Treichel","startTime":1438.414999,"endTime":1438.944999,"body":"to"},{"speaker":"Treichel","startTime":1439.2549990000002,"endTime":1439.464999,"body":"not"},{"speaker":"Treichel","startTime":1439.464999,"endTime":1439.684999,"body":"only"},{"speaker":"Treichel","startTime":1439.684999,"endTime":1440.134999,"body":"correct"},{"speaker":"Treichel","startTime":1440.134999,"endTime":1440.2949985,"body":"the"},{"speaker":"Treichel","startTime":1440.2949985,"endTime":1440.6749980000002,"body":"errors,"},{"speaker":"Treichel","startTime":1440.6749980000002,"endTime":1440.834998,"body":"but"},{"speaker":"Treichel","startTime":1440.8349990000002,"endTime":1440.954999,"body":"to"},{"speaker":"Treichel","startTime":1440.954999,"endTime":1441.184999,"body":"resubmit"},{"speaker":"Treichel","startTime":1441.2149980000002,"endTime":1441.3749980000002,"body":"the"},{"speaker":"Treichel","startTime":1441.724999,"endTime":1442.164999,"body":"data."},{"speaker":"Treichel","startTime":1442.5549990000002,"endTime":1442.8249990000002,"body":"It's"},{"speaker":"Treichel","startTime":1442.8349990000002,"endTime":1443.2649990000002,"body":"not"},{"speaker":"Treichel","startTime":1443.3349990000002,"endTime":1443.6049990000001,"body":"an"},{"speaker":"Treichel","startTime":1443.6949990000003,"endTime":1444.2249985,"body":"area"},{"speaker":"Treichel","startTime":1444.2249985,"endTime":1444.7249980000001,"body":"where"},{"speaker":"Treichel","startTime":1444.884999,"endTime":1445.2649990000002,"body":"civil"},{"speaker":"Treichel","startTime":1445.2749990000002,"endTime":1445.5549990000002,"body":"money"},{"speaker":"Treichel","startTime":1445.5849990000002,"endTime":1446.1449985000002,"body":"penalties"},{"speaker":"Treichel","startTime":1446.1449985000002,"endTime":1446.3049980000003,"body":"are"},{"speaker":"Treichel","startTime":1446.3049980000003,"endTime":1447.2349980000001,"body":"contemplated"},{"speaker":"Treichel","startTime":1447.2349990000002,"endTime":1447.414999,"body":"as"},{"speaker":"Treichel","startTime":1447.414999,"endTime":1447.6349985000002,"body":"long"},{"speaker":"Treichel","startTime":1447.6349985000002,"endTime":1447.7149980000002,"body":"as"},{"speaker":"Treichel","startTime":1447.7149990000003,"endTime":1447.8149990000002,"body":"the"},{"speaker":"Treichel","startTime":1447.8149990000002,"endTime":1448.1149990000001,"body":"credit"},{"speaker":"Treichel","startTime":1448.1149990000001,"endTime":1448.414999,"body":"union"},{"speaker":"Treichel","startTime":1448.4349980000002,"endTime":1448.7249980000001,"body":"does"},{"speaker":"Treichel","startTime":1448.7350000000001,"endTime":1449.2549990000002,"body":"comply"},{"speaker":"Treichel","startTime":1449.2549990000002,"endTime":1449.4649980000002,"body":"with"},{"speaker":"Treichel","startTime":1449.4649990000003,"endTime":1449.4949990000002,"body":"the"},{"speaker":"Treichel","startTime":1449.9349990000003,"endTime":1450.4649990000003,"body":"requirement"},{"speaker":"Treichel","startTime":1450.5149990000002,"endTime":1450.644999,"body":"to"},{"speaker":"Treichel","startTime":1450.644999,"endTime":1450.8149990000002,"body":"resubmit"},{"speaker":"Treichel","startTime":1450.8649990000001,"endTime":1451.0149990000002,"body":"the"},{"speaker":"Treichel","startTime":1451.2949990000002,"endTime":1451.6749990000003,"body":"data."},{"speaker":"Treichel","startTime":1452.2349990000002,"endTime":1452.4549990000003,"body":"On"},{"speaker":"Treichel","startTime":1452.4549990000003,"endTime":1453.1849990000003,"body":"occasion,"},{"speaker":"Treichel","startTime":1453.2149990000003,"endTime":1453.5949990000001,"body":"there"},{"speaker":"Treichel","startTime":1453.6049990000001,"endTime":1453.8549990000001,"body":"are"},{"speaker":"Treichel","startTime":1453.8549990000001,"endTime":1454.6449990000003,"body":"instances"},{"speaker":"Treichel","startTime":1454.6549990000003,"endTime":1455.1249990000001,"body":"where"},{"speaker":"Treichel","startTime":1455.134999,"endTime":1455.2849990000002,"body":"the"},{"speaker":"Treichel","startTime":1455.2849990000002,"endTime":1455.7849990000002,"body":"data"},{"speaker":"Treichel","startTime":1455.7949990000002,"endTime":1456.5449990000002,"body":"indicates"},{"speaker":"Treichel","startTime":1457.2249990000003,"endTime":1457.3549990000001,"body":"a"},{"speaker":"Treichel","startTime":1457.3549990000001,"endTime":1457.674999,"body":"lack"},{"speaker":"Treichel","startTime":1457.684999,"endTime":1457.8249990000002,"body":"of"},{"speaker":"Treichel","startTime":1457.8249990000002,"endTime":1458.5049990000002,"body":"compliance"},{"speaker":"Treichel","startTime":1458.5049990000002,"endTime":1458.634999,"body":"with"},{"speaker":"Treichel","startTime":1458.634999,"endTime":1458.8049990000002,"body":"some"},{"speaker":"Treichel","startTime":1458.8049990000002,"endTime":1459.0849990000002,"body":"fair"},{"speaker":"Treichel","startTime":1459.0849990000002,"endTime":1459.5049990000002,"body":"lending"},{"speaker":"Treichel","startTime":1459.5049990000002,"endTime":1459.9849990000002,"body":"laws"},{"speaker":"Treichel","startTime":1460.2849990000002,"endTime":1460.4849985,"body":"that"},{"speaker":"Treichel","startTime":1460.4849985,"endTime":1460.594998,"body":"can"},{"speaker":"Treichel","startTime":1460.5949990000001,"endTime":1460.6949985,"body":"be"},{"speaker":"Treichel","startTime":1460.6949985,"endTime":1460.784998,"body":"the"},{"speaker":"Treichel","startTime":1460.7849990000002,"endTime":1461.3149990000002,"body":"basis"},{"speaker":"Treichel","startTime":1461.3249990000002,"endTime":1461.944999,"body":"for"},{"speaker":"Treichel","startTime":1462.434999,"endTime":1462.6149990000001,"body":"the"},{"speaker":"Treichel","startTime":1462.6149990000001,"endTime":1462.7749985,"body":"N."},{"speaker":"Treichel","startTime":1462.7749985,"endTime":1462.9349980000002,"body":"C."},{"speaker":"Treichel","startTime":1462.934999,"endTime":1463.144999,"body":"U."},{"speaker":"Treichel","startTime":1463.144999,"endTime":1463.444999,"body":"A."},{"speaker":"Treichel","startTime":1463.4949990000002,"endTime":1463.7949990000002,"body":"putting"},{"speaker":"Treichel","startTime":1463.7949990000002,"endTime":1463.8549985000002,"body":"a"},{"speaker":"Treichel","startTime":1463.8549985000002,"endTime":1464.1049980000003,"body":"credit"},{"speaker":"Treichel","startTime":1464.1149990000001,"endTime":1464.414999,"body":"union"},{"speaker":"Treichel","startTime":1464.414999,"endTime":1464.5649985000002,"body":"on"},{"speaker":"Treichel","startTime":1464.5649985000002,"endTime":1464.7349980000001,"body":"the"},{"speaker":"Treichel","startTime":1464.7549990000002,"endTime":1465.0649985000002,"body":"list"},{"speaker":"Treichel","startTime":1465.0649985000002,"endTime":1465.524998,"body":"for"},{"speaker":"Treichel","startTime":1465.524998,"endTime":1465.6049980000003,"body":"a"},{"speaker":"Treichel","startTime":1465.6049980000003,"endTime":1465.8849980000002,"body":"fair"},{"speaker":"Treichel","startTime":1465.884999,"endTime":1466.214999,"body":"lending"},{"speaker":"Treichel","startTime":1466.214999,"endTime":1466.8349990000002,"body":"exam,"},{"speaker":"Treichel","startTime":1467.3249990000004,"endTime":1467.6749990000003,"body":"or"},{"speaker":"Treichel","startTime":1467.6749990000003,"endTime":1467.8249990000004,"body":"if"},{"speaker":"Treichel","startTime":1467.8249990000004,"endTime":1467.9949990000002,"body":"it's"},{"speaker":"Treichel","startTime":1467.9949990000002,"endTime":1468.6349990000003,"body":"discovered"},{"speaker":"Treichel","startTime":1468.8149980000003,"endTime":1469.2349980000004,"body":"during"},{"speaker":"Treichel","startTime":1469.2349980000004,"endTime":1469.2749980000003,"body":"a"},{"speaker":"Treichel","startTime":1469.2749990000002,"endTime":1469.5749990000004,"body":"fair"},{"speaker":"Treichel","startTime":1469.5749990000004,"endTime":1469.8649990000004,"body":"lending"},{"speaker":"Treichel","startTime":1469.8650000000002,"endTime":1470.3849990000003,"body":"exam,"},{"speaker":"Treichel","startTime":1470.3849990000003,"endTime":1470.4049980000002,"body":"it"},{"speaker":"Treichel","startTime":1470.4549980000004,"endTime":1470.6249980000002,"body":"can"},{"speaker":"Treichel","startTime":1470.6249980000002,"endTime":1471.3849980000002,"body":"require"},{"speaker":"Treichel","startTime":1471.7949980000003,"endTime":1472.0449980000003,"body":"credit"},{"speaker":"Treichel","startTime":1472.0549980000003,"endTime":1472.3549980000003,"body":"union"},{"speaker":"Treichel","startTime":1472.3849980000002,"endTime":1472.8449980000003,"body":"changes,"},{"speaker":"Treichel","startTime":1472.8449980000003,"endTime":1473.3449980000003,"body":"policies"},{"speaker":"Treichel","startTime":1473.3449980000003,"endTime":1473.4449980000004,"body":"and"},{"speaker":"Treichel","startTime":1473.4449980000004,"endTime":1474.2349980000004,"body":"procedures"},{"speaker":"Treichel","startTime":1474.2549980000003,"endTime":1474.4449980000004,"body":"so"},{"speaker":"Treichel","startTime":1474.4449980000004,"endTime":1474.5949980000003,"body":"that"},{"speaker":"Treichel","startTime":1474.5949980000003,"endTime":1474.6749980000002,"body":"it"},{"speaker":"Treichel","startTime":1474.6749980000002,"endTime":1474.8749980000002,"body":"is"},{"speaker":"Treichel","startTime":1474.8749980000002,"endTime":1475.5049980000003,"body":"complying"},{"speaker":"Treichel","startTime":1475.5049980000003,"endTime":1475.7349980000004,"body":"with."},{"speaker":"Treichel","startTime":1476.2699990000003,"endTime":1476.4599990000004,"body":"The"},{"speaker":"Treichel","startTime":1476.4599990000004,"endTime":1476.6599990000004,"body":"equal"},{"speaker":"Treichel","startTime":1476.6599990000004,"endTime":1476.9499990000004,"body":"credit"},{"speaker":"Treichel","startTime":1476.9499990000004,"endTime":1477.6599990000004,"body":"opportunity"},{"speaker":"Treichel","startTime":1477.6599990000004,"endTime":1477.9599990000004,"body":"act"},{"speaker":"Treichel","startTime":1477.9599990000004,"endTime":1478.4199990000004,"body":"or"},{"speaker":"Treichel","startTime":1478.4799990000004,"endTime":1478.6799990000004,"body":"some"},{"speaker":"Treichel","startTime":1478.6799990000004,"endTime":1479.0799990000003,"body":"other"},{"speaker":"Treichel","startTime":1479.6499990000004,"endTime":1479.9499990000004,"body":"fair"},{"speaker":"Treichel","startTime":1479.9499990000004,"endTime":1480.2799990000003,"body":"lending"},{"speaker":"Treichel","startTime":1480.2799990000003,"endTime":1480.6199990000002,"body":"law."},{"speaker":"Treichel","startTime":1480.8799990000002,"endTime":1481.2999990000003,"body":"And"},{"speaker":"Treichel","startTime":1481.5899990000003,"endTime":1481.7799990000003,"body":"in"},{"speaker":"Treichel","startTime":1481.7799990000003,"endTime":1481.9899990000004,"body":"those"},{"speaker":"Treichel","startTime":1482.0199990000003,"endTime":1482.8399990000003,"body":"scenarios,"},{"speaker":"Treichel","startTime":1482.9599990000004,"endTime":1483.1699990000004,"body":"the"},{"speaker":"Treichel","startTime":1483.1699990000004,"endTime":1483.4199990000004,"body":"credit"},{"speaker":"Treichel","startTime":1483.4299990000004,"endTime":1483.7099990000004,"body":"union"},{"speaker":"Treichel","startTime":1483.7099990000004,"endTime":1483.9399990000004,"body":"could"},{"speaker":"Treichel","startTime":1483.9399990000004,"endTime":1484.5599990000003,"body":"receive"},{"speaker":"Treichel","startTime":1485.0199980000002,"endTime":1485.1099980000004,"body":"a"},{"speaker":"Treichel","startTime":1485.1099990000002,"endTime":1485.4399985000002,"body":"document"},{"speaker":"Treichel","startTime":1485.4399985000002,"endTime":1486.0699980000002,"body":"resolution"},{"speaker":"Treichel","startTime":1486.0699990000003,"endTime":1486.1899990000002,"body":"or"},{"speaker":"Treichel","startTime":1486.2099990000002,"endTime":1486.2299985000002,"body":"an"},{"speaker":"Treichel","startTime":1486.2299985000002,"endTime":1486.6999980000003,"body":"examiner"},{"speaker":"Treichel","startTime":1486.6999990000002,"endTime":1487.0899990000003,"body":"finding"},{"speaker":"Treichel","startTime":1487.0899990000003,"endTime":1487.6599990000002,"body":"requiring"},{"speaker":"Treichel","startTime":1487.6599990000002,"endTime":1488.0699990000003,"body":"action"},{"speaker":"Treichel","startTime":1488.0699990000003,"endTime":1488.1799990000002,"body":"on"},{"speaker":"Treichel","startTime":1488.1899980000003,"endTime":1488.3899980000003,"body":"their"},{"speaker":"Treichel","startTime":1488.4099990000002,"endTime":1488.7399990000004,"body":"part."},{"speaker":"Treichel","startTime":1488.7699980000002,"endTime":1489.0399980000002,"body":"That"},{"speaker":"Treichel","startTime":1489.0399990000003,"endTime":1489.2499990000003,"body":"would"},{"speaker":"Treichel","startTime":1489.2499990000003,"endTime":1489.5699990000003,"body":"be"},{"speaker":"Treichel","startTime":1490.2499990000003,"endTime":1490.4899990000004,"body":"in"},{"speaker":"Treichel","startTime":1490.4899990000004,"endTime":1491.0699990000003,"body":"discussions"},{"speaker":"Treichel","startTime":1491.0799990000003,"endTime":1491.3499990000003,"body":"with"},{"speaker":"Treichel","startTime":1491.4199990000002,"endTime":1491.5799990000003,"body":"the"},{"speaker":"Treichel","startTime":1491.5799990000003,"endTime":1491.8999985000003,"body":"people"},{"speaker":"Treichel","startTime":1491.8999985000003,"endTime":1492.6799980000003,"body":"who"},{"speaker":"Treichel","startTime":1492.7499990000003,"endTime":1492.8899985000003,"body":"are"},{"speaker":"Treichel","startTime":1492.8899985000003,"endTime":1492.9899980000002,"body":"the"},{"speaker":"Treichel","startTime":1492.9899990000004,"endTime":1493.2199985000002,"body":"fair"},{"speaker":"Treichel","startTime":1493.2199985000002,"endTime":1493.5299980000002,"body":"lending"},{"speaker":"Treichel","startTime":1493.5300000000002,"endTime":1494.1299990000002,"body":"examiners"},{"speaker":"Treichel","startTime":1494.1299990000002,"endTime":1494.3299980000002,"body":"that"},{"speaker":"Treichel","startTime":1494.3299990000003,"endTime":1494.4799985000002,"body":"you"},{"speaker":"Treichel","startTime":1494.4799985000002,"endTime":1494.6599980000003,"body":"used"},{"speaker":"Treichel","startTime":1494.6699990000002,"endTime":1494.7999990000003,"body":"to"},{"speaker":"Treichel","startTime":1494.8199990000003,"endTime":1495.2699990000003,"body":"supervise."},{"speaker":"Treichel","startTime":1495.2899980000002,"endTime":1495.3599980000004,"body":"Do"},{"speaker":"Treichel","startTime":1495.3599990000002,"endTime":1495.3999990000002,"body":"I"},{"speaker":"Treichel","startTime":1495.4099990000002,"endTime":1495.5699990000003,"body":"have"},{"speaker":"Treichel","startTime":1495.5699990000003,"endTime":1495.7099990000002,"body":"that"},{"speaker":"Treichel","startTime":1495.7100990000004,"endTime":1495.9998990000004,"body":"right?"},{"speaker":"Treichel","startTime":1496.2099990000002,"endTime":1496.4299990000002,"body":"Yeah,"},{"speaker":"Treichel","startTime":1496.4299990000002,"endTime":1496.6899990000002,"body":"that's"},{"speaker":"Treichel","startTime":1496.6899990000002,"endTime":1497.009999,"body":"correct."},{"speaker":"Treichel","startTime":1497.1599990000002,"endTime":1497.4499990000002,"body":"The"},{"speaker":"Treichel","startTime":1497.519999,"endTime":1497.789999,"body":"Fair"},{"speaker":"Treichel","startTime":1497.789999,"endTime":1498.3899990000002,"body":"Lending"},{"speaker":"Treichel","startTime":1498.3899990000002,"endTime":1499.019999,"body":"Program"},{"speaker":"Treichel","startTime":1499.019999,"endTime":1499.4099990000002,"body":"uses"},{"speaker":"Treichel","startTime":1499.4099990000002,"endTime":1499.539999,"body":"the"},{"speaker":"Treichel","startTime":1499.599999,"endTime":1499.9399990000002,"body":"same"},{"speaker":"Treichel","startTime":1499.9799990000001,"endTime":1500.299999,"body":"type"},{"speaker":"Treichel","startTime":1500.299999,"endTime":1500.3999990000002,"body":"of"},{"speaker":"Treichel","startTime":1500.519999,"endTime":1501.089999,"body":"standards"},{"speaker":"Treichel","startTime":1501.1299990000002,"endTime":1501.1599990000002,"body":"and"},{"speaker":"Treichel","startTime":1501.1699990000002,"endTime":1501.329999,"body":"the"},{"speaker":"Treichel","startTime":1501.329999,"endTime":1501.6399990000002,"body":"same"},{"speaker":"Treichel","startTime":1501.6899990000002,"endTime":1501.9999990000001,"body":"type"},{"speaker":"Treichel","startTime":1502.009999,"endTime":1502.349999,"body":"of"},{"speaker":"Treichel","startTime":1502.3999990000002,"endTime":1503.1299990000002,"body":"tools"},{"speaker":"Treichel","startTime":1503.4199990000002,"endTime":1503.789999,"body":"that"},{"speaker":"Treichel","startTime":1503.789999,"endTime":1503.9199990000002,"body":"are"},{"speaker":"Treichel","startTime":1503.9199990000002,"endTime":1504.3499985,"body":"used"},{"speaker":"Treichel","startTime":1504.3499985,"endTime":1504.8099980000002,"body":"for"},{"speaker":"Treichel","startTime":1504.8099980000002,"endTime":1505.219998,"body":"the"},{"speaker":"Treichel","startTime":1505.539999,"endTime":1506.1799990000002,"body":"exams"},{"speaker":"Treichel","startTime":1506.4999990000001,"endTime":1506.609999,"body":"by"},{"speaker":"Treichel","startTime":1506.609999,"endTime":1506.7299990000001,"body":"the"},{"speaker":"Treichel","startTime":1506.7299990000001,"endTime":1507.1299990000002,"body":"regional"},{"speaker":"Treichel","startTime":1507.1299990000002,"endTime":1507.779999,"body":"offices,"},{"speaker":"Treichel","startTime":1507.789999,"endTime":1507.8999990000002,"body":"the"},{"speaker":"Treichel","startTime":1507.8999990000002,"endTime":1508.319999,"body":"standard"},{"speaker":"Treichel","startTime":1508.319999,"endTime":1508.7299990000001,"body":"exams."},{"speaker":"Treichel","startTime":1509.339999,"endTime":1509.579999,"body":"Got"},{"speaker":"Treichel","startTime":1509.579999,"endTime":1509.6999990000002,"body":"it."},{"speaker":"Treichel","startTime":1509.7199990000001,"endTime":1509.9599990000002,"body":"Very"},{"speaker":"Treichel","startTime":1509.9599990000002,"endTime":1510.2299990000001,"body":"good."},{"speaker":"Treichel","startTime":1510.589999,"endTime":1510.9599990000002,"body":"So,"},{"speaker":"Treichel","startTime":1511.029999,"endTime":1511.309999,"body":"Joe,"},{"speaker":"Treichel","startTime":1511.309999,"endTime":1511.519999,"body":"any"},{"speaker":"Treichel","startTime":1511.529999,"endTime":1511.829999,"body":"final"},{"speaker":"Treichel","startTime":1511.829999,"endTime":1512.139999,"body":"thoughts"},{"speaker":"Treichel","startTime":1512.139999,"endTime":1512.2299990000001,"body":"on"},{"speaker":"Treichel","startTime":1512.2299990000001,"endTime":1512.389999,"body":"this"},{"speaker":"Treichel","startTime":1512.389999,"endTime":1512.7499990000001,"body":"topic"},{"speaker":"Treichel","startTime":1512.759999,"endTime":1513.1599990000002,"body":"before"},{"speaker":"Treichel","startTime":1513.1599990000002,"endTime":1513.4199990000002,"body":"we"},{"speaker":"Treichel","startTime":1513.4899990000001,"endTime":1513.819999,"body":"wrap"},{"speaker":"Treichel","startTime":1513.819999,"endTime":1513.9599990000002,"body":"up"},{"speaker":"Treichel","startTime":1513.9899990000001,"endTime":1514.109999,"body":"for"},{"speaker":"Treichel","startTime":1514.109999,"endTime":1514.2099990000002,"body":"the"},{"speaker":"Treichel","startTime":1514.2099990000002,"endTime":1514.4799990000001,"body":"day?"},{"speaker":"Treichel","startTime":1514.7199990000001,"endTime":1514.849999,"body":"I"},{"speaker":"Treichel","startTime":1514.849999,"endTime":1514.9799990000001,"body":"just"},{"speaker":"Treichel","startTime":1515.019999,"endTime":1515.1699990000002,"body":"think"},{"speaker":"Treichel","startTime":1515.1699990000002,"endTime":1515.289999,"body":"it's"},{"speaker":"Treichel","startTime":1515.289999,"endTime":1515.6999990000002,"body":"important"},{"speaker":"Treichel","startTime":1515.6999990000002,"endTime":1515.849999,"body":"for"},{"speaker":"Treichel","startTime":1515.849999,"endTime":1516.099999,"body":"credit"},{"speaker":"Treichel","startTime":1516.109999,"endTime":1516.4399990000002,"body":"unions"},{"speaker":"Treichel","startTime":1516.4399990000002,"endTime":1516.4899990000001,"body":"to"},{"speaker":"Treichel","startTime":1516.4899990000001,"endTime":1517.109999,"body":"understand,"},{"speaker":"Treichel","startTime":1517.1199980000001,"endTime":1517.519998,"body":"though,"},{"speaker":"Treichel","startTime":1517.609999,"endTime":1517.859999,"body":"that"},{"speaker":"Treichel","startTime":1517.859999,"endTime":1518.099999,"body":"even"},{"speaker":"Treichel","startTime":1518.099999,"endTime":1518.539999,"body":"though"},{"speaker":"Treichel","startTime":1518.659998,"endTime":1519.269998,"body":"complying"},{"speaker":"Treichel","startTime":1519.269999,"endTime":1519.4799990000001,"body":"with"},{"speaker":"Treichel","startTime":1519.4799990000001,"endTime":1519.9599990000002,"body":"HMDA"},{"speaker":"Treichel","startTime":1520.059999,"endTime":1520.269999,"body":"can"},{"speaker":"Treichel","startTime":1520.269999,"endTime":1520.4199990000002,"body":"be"},{"speaker":"Treichel","startTime":1520.4199990000002,"endTime":1520.4799990000001,"body":"a"},{"speaker":"Treichel","startTime":1520.4799990000001,"endTime":1521.109999,"body":"chore,"},{"speaker":"Treichel","startTime":1521.1899990000002,"endTime":1521.6799990000002,"body":"that"},{"speaker":"Treichel","startTime":1521.7499990000001,"endTime":1522.019999,"body":"there"},{"speaker":"Treichel","startTime":1522.019999,"endTime":1522.2399985000002,"body":"is"},{"speaker":"Treichel","startTime":1522.2399985000002,"endTime":1522.5799980000002,"body":"a"},{"speaker":"Treichel","startTime":1522.739998,"endTime":1523.189998,"body":"valid"},{"speaker":"Treichel","startTime":1523.1899990000002,"endTime":1523.639999,"body":"reason"},{"speaker":"Treichel","startTime":1523.6699990000002,"endTime":1524.029999,"body":"for"},{"speaker":"Treichel","startTime":1524.059999,"endTime":1524.4699990000001,"body":"collecting"},{"speaker":"Treichel","startTime":1524.4699990000001,"endTime":1524.589999,"body":"the"},{"speaker":"Treichel","startTime":1524.589999,"endTime":1524.869999,"body":"HMDA"},{"speaker":"Treichel","startTime":1524.879999,"endTime":1525.289999,"body":"data,"},{"speaker":"Treichel","startTime":1525.289999,"endTime":1525.359999,"body":"and"},{"speaker":"Treichel","startTime":1525.369999,"endTime":1525.599999,"body":"that"},{"speaker":"Treichel","startTime":1525.599999,"endTime":1525.759999,"body":"is"},{"speaker":"Treichel","startTime":1525.759999,"endTime":1525.8899985,"body":"to"},{"speaker":"Treichel","startTime":1525.8899985,"endTime":1526.139998,"body":"try"},{"speaker":"Treichel","startTime":1526.139998,"endTime":1526.219998,"body":"and"},{"speaker":"Treichel","startTime":1526.219998,"endTime":1526.749998,"body":"ensure"},{"speaker":"Treichel","startTime":1526.7499990000001,"endTime":1527.119999,"body":"that"},{"speaker":"Treichel","startTime":1527.21,"endTime":1527.72,"body":"mortgage"},{"speaker":"Treichel","startTime":1527.739998,"endTime":1528.239998,"body":"credit"},{"speaker":"Treichel","startTime":1528.8099980000002,"endTime":1529.199998,"body":"is"},{"speaker":"Treichel","startTime":1529.2299980000003,"endTime":1529.649998,"body":"offered"},{"speaker":"Treichel","startTime":1529.759999,"endTime":1529.8399990000003,"body":"and"},{"speaker":"Treichel","startTime":1529.8399990000003,"endTime":1530.509999,"body":"extended"},{"speaker":"Treichel","startTime":1530.509999,"endTime":1530.6699990000002,"body":"to"},{"speaker":"Treichel","startTime":1530.6699990000002,"endTime":1531.539999,"body":"everybody"},{"speaker":"Treichel","startTime":1531.7499990000001,"endTime":1532.1799990000002,"body":"based"},{"speaker":"Treichel","startTime":1532.1799990000002,"endTime":1532.7399990000001,"body":"on"},{"speaker":"Treichel","startTime":1533.2799990000003,"endTime":1533.7199990000001,"body":"mortgage"},{"speaker":"Treichel","startTime":1533.7199990000001,"endTime":1534.1499990000002,"body":"related"},{"speaker":"Treichel","startTime":1534.1499990000002,"endTime":1534.9099990000002,"body":"criteria."},{"speaker":"Treichel","startTime":1535.4399990000002,"endTime":1535.6399990000002,"body":"Yeah,"},{"speaker":"Treichel","startTime":1535.6400990000002,"endTime":1536.2598990000001,"body":"to"},{"speaker":"Treichel","startTime":1536.259999,"endTime":1536.6699990000002,"body":"prevent"},{"speaker":"Treichel","startTime":1536.6699990000002,"endTime":1537.549999,"body":"discrimination"},{"speaker":"Treichel","startTime":1537.589999,"endTime":1537.6799990000002,"body":"to"},{"speaker":"Treichel","startTime":1537.6799990000002,"endTime":1537.8899990000002,"body":"help"},{"speaker":"Treichel","startTime":1537.8999990000002,"endTime":1538.2399990000001,"body":"prevent"},{"speaker":"Treichel","startTime":1538.2399990000001,"endTime":1539.129999,"body":"redlining."},{"speaker":"Treichel","startTime":1539.629999,"endTime":1539.9599990000002,"body":"So,"},{"speaker":"Treichel","startTime":1540.4599990000002,"endTime":1540.579999,"body":"you"},{"speaker":"Treichel","startTime":1540.579999,"endTime":1540.7499990000001,"body":"know,"},{"speaker":"Treichel","startTime":1540.789999,"endTime":1540.9599990000002,"body":"if"},{"speaker":"Treichel","startTime":1541.259999,"endTime":1541.4299990000002,"body":"you"},{"speaker":"Treichel","startTime":1541.4299990000002,"endTime":1542.2499990000001,"body":"approach"},{"speaker":"Treichel","startTime":1542.579999,"endTime":1543.099999,"body":"complying"},{"speaker":"Treichel","startTime":1543.099999,"endTime":1543.2499990000001,"body":"with"},{"speaker":"Treichel","startTime":1543.2499990000001,"endTime":1543.539999,"body":"Honda"},{"speaker":"Treichel","startTime":1543.549999,"endTime":1543.799999,"body":"from"},{"speaker":"Treichel","startTime":1543.809999,"endTime":1544.149999,"body":"that"},{"speaker":"Treichel","startTime":1544.159999,"endTime":1544.569999,"body":"angle,"},{"speaker":"Treichel","startTime":1544.569999,"endTime":1544.709999,"body":"I"},{"speaker":"Treichel","startTime":1544.7199990000001,"endTime":1544.949999,"body":"think"},{"speaker":"Treichel","startTime":1544.9699990000001,"endTime":1545.099999,"body":"you"},{"speaker":"Treichel","startTime":1545.099999,"endTime":1545.259999,"body":"can"},{"speaker":"Treichel","startTime":1545.349999,"endTime":1545.789999,"body":"see"},{"speaker":"Treichel","startTime":1546.129999,"endTime":1546.489999,"body":"why"},{"speaker":"Treichel","startTime":1546.489999,"endTime":1546.559999,"body":"it"},{"speaker":"Treichel","startTime":1546.579999,"endTime":1546.859999,"body":"has"},{"speaker":"Treichel","startTime":1546.859999,"endTime":1546.959999,"body":"to"},{"speaker":"Treichel","startTime":1546.969999,"endTime":1547.119999,"body":"be"},{"speaker":"Treichel","startTime":1547.119999,"endTime":1547.469999,"body":"done."},{"speaker":"Treichel","startTime":1547.469999,"endTime":1547.629999,"body":"It's"},{"speaker":"Treichel","startTime":1547.629999,"endTime":1547.689999,"body":"a"},{"speaker":"Treichel","startTime":1547.689999,"endTime":1548.169999,"body":"benefit"},{"speaker":"Treichel","startTime":1548.179998,"endTime":1548.489998,"body":"for"},{"speaker":"Treichel","startTime":1548.499999,"endTime":1548.609999,"body":"the"},{"speaker":"Treichel","startTime":1548.609999,"endTime":1549.0199985,"body":"members"},{"speaker":"Treichel","startTime":1549.0199985,"endTime":1549.109998,"body":"and"},{"speaker":"Treichel","startTime":1549.109999,"endTime":1549.239999,"body":"it's"},{"speaker":"Treichel","startTime":1549.239999,"endTime":1549.2899989999999,"body":"a"},{"speaker":"Treichel","startTime":1549.2899989999999,"endTime":1549.689999,"body":"benefit"},{"speaker":"Treichel","startTime":1549.689999,"endTime":1549.7799989999999,"body":"to"},{"speaker":"Treichel","startTime":1549.7799989999999,"endTime":1549.869999,"body":"the"},{"speaker":"Treichel","startTime":1549.869999,"endTime":1550.3099985,"body":"economy"},{"speaker":"Treichel","startTime":1550.3099985,"endTime":1550.449998,"body":"as"},{"speaker":"Treichel","startTime":1550.449999,"endTime":1550.5099985,"body":"a"},{"speaker":"Treichel","startTime":1550.5099985,"endTime":1550.829998,"body":"whole."},{"speaker":"Treichel","startTime":1551.1049990000001,"endTime":1551.484999,"body":"Sure,"},{"speaker":"Treichel","startTime":1551.524999,"endTime":1551.754999,"body":"Joe,"},{"speaker":"Treichel","startTime":1551.754999,"endTime":1551.984999,"body":"that's"},{"speaker":"Treichel","startTime":1552.0449990000002,"endTime":1552.1149990000001,"body":"a,"},{"speaker":"Treichel","startTime":1552.1149990000001,"endTime":1552.3649990000001,"body":"that's"},{"speaker":"Treichel","startTime":1552.3649990000001,"endTime":1552.434999,"body":"a"},{"speaker":"Treichel","startTime":1552.434999,"endTime":1552.734999,"body":"great"},{"speaker":"Treichel","startTime":1552.7849990000002,"endTime":1553.0849990000002,"body":"place"},{"speaker":"Treichel","startTime":1553.0849990000002,"endTime":1553.204999,"body":"to"},{"speaker":"Treichel","startTime":1553.204999,"endTime":1553.494999,"body":"wrap."},{"speaker":"Treichel","startTime":1553.504999,"endTime":1553.5949990000001,"body":"I"},{"speaker":"Treichel","startTime":1553.5949990000001,"endTime":1553.7949990000002,"body":"want"},{"speaker":"Treichel","startTime":1553.7949990000002,"endTime":1553.8549990000001,"body":"to,"},{"speaker":"Treichel","startTime":1553.8649990000001,"endTime":1554.0549990000002,"body":"Joe,"},{"speaker":"Treichel","startTime":1554.0549990000002,"endTime":1554.0949990000001,"body":"I"},{"speaker":"Treichel","startTime":1554.0949990000001,"endTime":1554.224999,"body":"want"},{"speaker":"Treichel","startTime":1554.224999,"endTime":1554.2949990000002,"body":"to"},{"speaker":"Treichel","startTime":1554.2949990000002,"endTime":1554.524999,"body":"thank"},{"speaker":"Treichel","startTime":1554.524999,"endTime":1554.684999,"body":"you"},{"speaker":"Treichel","startTime":1554.684999,"endTime":1554.8149990000002,"body":"for"},{"speaker":"Treichel","startTime":1554.8149990000002,"endTime":1555.0649990000002,"body":"your"},{"speaker":"Treichel","startTime":1555.0949990000001,"endTime":1555.3549990000001,"body":"time"},{"speaker":"Treichel","startTime":1555.3549990000001,"endTime":1555.694999,"body":"today"},{"speaker":"Treichel","startTime":1556.134999,"endTime":1556.2949990000002,"body":"and"},{"speaker":"Treichel","startTime":1556.2949990000002,"endTime":1556.3749990000001,"body":"to"},{"speaker":"Treichel","startTime":1556.3749990000001,"endTime":1556.444999,"body":"the"},{"speaker":"Treichel","startTime":1556.444999,"endTime":1556.8649990000001,"body":"audience."},{"speaker":"Treichel","startTime":1556.8649990000001,"endTime":1556.924999,"body":"I"},{"speaker":"Treichel","startTime":1556.924999,"endTime":1557.0449990000002,"body":"want"},{"speaker":"Treichel","startTime":1557.0449990000002,"endTime":1557.0949990000001,"body":"to"},{"speaker":"Treichel","startTime":1557.0949990000001,"endTime":1557.3049990000002,"body":"thank"},{"speaker":"Treichel","startTime":1557.3049990000002,"endTime":1557.404999,"body":"you"},{"speaker":"Treichel","startTime":1557.404999,"endTime":1557.504999,"body":"for"},{"speaker":"Treichel","startTime":1557.504999,"endTime":1557.634999,"body":"your"},{"speaker":"Treichel","startTime":1557.634999,"endTime":1557.924999,"body":"time"},{"speaker":"Treichel","startTime":1557.924999,"endTime":1558.024999,"body":"and"},{"speaker":"Treichel","startTime":1558.0349990000002,"endTime":1558.154999,"body":"for"},{"speaker":"Treichel","startTime":1558.154999,"endTime":1558.5949990000001,"body":"listening."},{"speaker":"Treichel","startTime":1558.6049990000001,"endTime":1559.194999,"body":"Hopefully"},{"speaker":"Treichel","startTime":1559.274999,"endTime":1559.434999,"body":"we'll"},{"speaker":"Treichel","startTime":1559.434999,"endTime":1559.6049990000001,"body":"see"},{"speaker":"Treichel","startTime":1559.6049990000001,"endTime":1559.754999,"body":"you"},{"speaker":"Treichel","startTime":1559.7849990000002,"endTime":1560.014999,"body":"next"},{"speaker":"Treichel","startTime":1560.014999,"endTime":1560.394999,"body":"time."},{"speaker":"Treichel","startTime":1560.7649990000002,"endTime":1560.9449990000003,"body":"And"},{"speaker":"Treichel","startTime":1560.9449990000003,"endTime":1561.2549990000002,"body":"until"},{"speaker":"Treichel","startTime":1561.2549990000002,"endTime":1561.4849990000002,"body":"next"},{"speaker":"Treichel","startTime":1561.4849990000002,"endTime":1561.8649990000004,"body":"time,"},{"speaker":"Treichel","startTime":1562.0849980000003,"endTime":1562.2849980000003,"body":"this"},{"speaker":"Treichel","startTime":1562.2849990000002,"endTime":1562.4049990000003,"body":"is"},{"speaker":"Treichel","startTime":1562.4049990000003,"endTime":1562.6249990000003,"body":"Mark"},{"speaker":"Treichel","startTime":1562.6349990000003,"endTime":1563.1749990000003,"body":"Treichel"},{"speaker":"Treichel","startTime":1563.7449990000002,"endTime":1563.9749990000003,"body":"with"},{"speaker":"Treichel","startTime":1563.9749990000003,"endTime":1564.3149985000002,"body":"Flying"},{"speaker":"Treichel","startTime":1564.3149985000002,"endTime":1564.7749980000003,"body":"Colors."},{"speaker":"Treichel","startTime":1570.204999,"endTime":1570.3749990000001,"body":"Thank"},{"speaker":"Treichel","startTime":1570.3749990000001,"endTime":1570.464999,"body":"you"},{"speaker":"Treichel","startTime":1570.464999,"endTime":1570.5749990000002,"body":"for"},{"speaker":"Treichel","startTime":1570.5749990000002,"endTime":1570.964999,"body":"joining"},{"speaker":"Treichel","startTime":1570.964999,"endTime":1571.0349990000002,"body":"us"},{"speaker":"Treichel","startTime":1571.1249990000001,"endTime":1571.214999,"body":"on"},{"speaker":"Treichel","startTime":1571.214999,"endTime":1571.2949990000002,"body":"this"},{"speaker":"Treichel","startTime":1571.3949980000002,"endTime":1571.9249980000002,"body":"episode"},{"speaker":"Treichel","startTime":1571.9449980000002,"endTime":1572.1249980000002,"body":"of"},{"speaker":"Treichel","startTime":1572.134999,"endTime":1572.424999,"body":"with"},{"speaker":"Treichel","startTime":1572.434999,"endTime":1572.8649990000001,"body":"Flying"},{"speaker":"Treichel","startTime":1572.8649990000001,"endTime":1573.2449990000002,"body":"Colors."},{"speaker":"Treichel","startTime":1573.8249990000002,"endTime":1574.3449990000001,"body":"Subscribe"},{"speaker":"Treichel","startTime":1574.3449990000001,"endTime":1574.4649985,"body":"on"},{"speaker":"Treichel","startTime":1574.4649985,"endTime":1574.554998,"body":"your"},{"speaker":"Treichel","startTime":1574.554998,"endTime":1574.8749980000002,"body":"favorite"},{"speaker":"Treichel","startTime":1574.8749990000001,"endTime":1575.424999,"body":"podcast"},{"speaker":"Treichel","startTime":1575.4749990000003,"endTime":1575.714999,"body":"app"},{"speaker":"Treichel","startTime":1575.7249980000001,"endTime":1575.804998,"body":"to"},{"speaker":"Treichel","startTime":1575.8249990000002,"endTime":1575.9749990000003,"body":"hear"},{"speaker":"Treichel","startTime":1575.9749990000003,"endTime":1576.2849990000002,"body":"future"},{"speaker":"Treichel","startTime":1576.2849990000002,"endTime":1576.7349990000002,"body":"episodes"},{"speaker":"Treichel","startTime":1576.8149990000002,"endTime":1576.964999,"body":"where"},{"speaker":"Treichel","startTime":1576.964999,"endTime":1577.3549990000001,"body":"subject"},{"speaker":"Treichel","startTime":1577.3549990000001,"endTime":1577.6249990000001,"body":"matter"},{"speaker":"Treichel","startTime":1577.6249990000001,"endTime":1577.964999,"body":"experts"},{"speaker":"Treichel","startTime":1577.9650990000002,"endTime":1578.039999,"body":"and"},{"speaker":"Treichel","startTime":1578.039999,"endTime":1578.1148990000002,"body":"experts."},{"speaker":"Treichel","startTime":1578.1149990000001,"endTime":1578.2449990000002,"body":"Of"},{"speaker":"Treichel","startTime":1578.3049990000002,"endTime":1578.5649990000002,"body":"all"},{"speaker":"Treichel","startTime":1578.5649990000002,"endTime":1579.174999,"body":"varieties"},{"speaker":"Treichel","startTime":1579.194999,"endTime":1579.3149990000002,"body":"will"},{"speaker":"Treichel","startTime":1579.3149990000002,"endTime":1579.634999,"body":"provide"},{"speaker":"Treichel","startTime":1579.674999,"endTime":1579.904999,"body":"tips"},{"speaker":"Treichel","startTime":1580.0749990000002,"endTime":1580.174999,"body":"on"},{"speaker":"Treichel","startTime":1580.174999,"endTime":1580.3149990000002,"body":"how"},{"speaker":"Treichel","startTime":1580.3149990000002,"endTime":1580.404999,"body":"to"},{"speaker":"Treichel","startTime":1580.404999,"endTime":1580.7449990000002,"body":"achieve"},{"speaker":"Treichel","startTime":1580.7749990000002,"endTime":1581.2649990000002,"body":"success"},{"speaker":"Treichel","startTime":1581.3249990000002,"endTime":1581.5049990000002,"body":"with"},{"speaker":"Treichel","startTime":1581.5249990000002,"endTime":1581.724999,"body":"N."},{"speaker":"Treichel","startTime":1581.7749990000002,"endTime":1581.914999,"body":"C."},{"speaker":"Treichel","startTime":1581.914999,"endTime":1582.1049990000001,"body":"U."},{"speaker":"Treichel","startTime":1582.1049990000001,"endTime":1582.3449990000001,"body":"A."},{"speaker":"Treichel","startTime":1582.5649990000002,"endTime":1582.704999,"body":"If"},{"speaker":"Treichel","startTime":1582.704999,"endTime":1582.7749990000002,"body":"you"},{"speaker":"Treichel","startTime":1582.7749990000002,"endTime":1582.914999,"body":"would"},{"speaker":"Treichel","startTime":1582.914999,"endTime":1583.0549990000002,"body":"like"},{"speaker":"Treichel","startTime":1583.0549990000002,"endTime":1583.174999,"body":"to"},{"speaker":"Treichel","startTime":1583.174999,"endTime":1583.394999,"body":"learn"},{"speaker":"Treichel","startTime":1583.394999,"endTime":1583.6149990000001,"body":"more"},{"speaker":"Treichel","startTime":1583.6149990000001,"endTime":1583.8249990000002,"body":"about"},{"speaker":"Treichel","startTime":1583.8249990000002,"endTime":1584.0049990000002,"body":"how"},{"speaker":"Treichel","startTime":1584.0049990000002,"endTime":1584.144999,"body":"we"},{"speaker":"Treichel","startTime":1584.144999,"endTime":1584.5249990000002,"body":"assist"},{"speaker":"Treichel","startTime":1584.5449990000002,"endTime":1584.8549990000001,"body":"credit"},{"speaker":"Treichel","startTime":1584.8549990000001,"endTime":1585.3549990000001,"body":"unions,"},{"speaker":"Treichel","startTime":1585.484999,"endTime":1585.714999,"body":"check"},{"speaker":"Treichel","startTime":1585.724999,"endTime":1585.8349990000002,"body":"out"},{"speaker":"Treichel","startTime":1585.8349990000002,"endTime":1585.944999,"body":"our"},{"speaker":"Treichel","startTime":1585.944999,"endTime":1586.4949990000002,"body":"services"},{"speaker":"Treichel","startTime":1586.5549990000002,"endTime":1586.7449990000002,"body":"at"},{"speaker":"Treichel","startTime":1586.7449990000002,"endTime":1587.0649990000002,"body":"mark"},{"speaker":"Treichel","startTime":1587.1049990000001,"endTime":1587.6049990000001,"body":"trickle"},{"speaker":"Treichel","startTime":1587.684999,"endTime":1587.934999,"body":"dot"},{"speaker":"Treichel","startTime":1587.934999,"endTime":1588.2949990000002,"body":"com."}]}