WEBVTT Kind: captions Language: en 00:00:04.971 --> 00:00:05.005 line:12% align:center >>                               00:00:05.005 --> 00:00:05.038 line:12% align:center >> W                             00:00:05.038 --> 00:00:05.071 line:12% align:center >> WEL                           00:00:05.071 --> 00:00:05.105 line:12% align:center >> WELL,                         00:00:05.105 --> 00:00:05.138 line:12% align:center >> WELL, A                       00:00:05.138 --> 00:00:05.772 line:12% align:center >> WELL, A                       00:00:05.772 --> 00:00:05.805 line:12% align:center >> WELL, A NE                    00:00:05.805 --> 00:00:05.839 line:12% align:center >> WELL, A NEW                   00:00:05.839 --> 00:00:05.872 line:12% align:center >> WELL, A NEW SU                00:00:05.872 --> 00:00:05.905 line:12% align:center >> WELL, A NEW SURV              00:00:05.905 --> 00:00:05.939 line:12% align:center >> WELL, A NEW SURVEY            00:00:05.939 --> 00:00:05.972 line:12% align:center >> WELL, A NEW SURVEY F          00:00:05.972 --> 00:00:06.006 line:12% align:center >> WELL, A NEW SURVEY FRO        00:00:06.006 --> 00:00:06.840 line:12% align:center >> WELL, A NEW SURVEY FROM       00:00:06.840 --> 00:00:06.973 line:6% align:center >> WELL, A NEW SURVEY FROM       00:00:06.973 --> 00:00:07.007 line:6% align:center >> WELL, A NEW SURVEY FROM       DE                               00:00:07.007 --> 00:00:07.040 line:6% align:center >> WELL, A NEW SURVEY FROM       DELO                             00:00:07.040 --> 00:00:07.073 line:6% align:center >> WELL, A NEW SURVEY FROM       DELOIT                           00:00:07.073 --> 00:00:07.107 line:6% align:center >> WELL, A NEW SURVEY FROM       DELOITTE                         00:00:07.107 --> 00:00:07.140 line:6% align:center >> WELL, A NEW SURVEY FROM       DELOITTE C                       00:00:07.140 --> 00:00:07.173 line:6% align:center >> WELL, A NEW SURVEY FROM       DELOITTE CAN                     00:00:07.173 --> 00:00:07.207 line:6% align:center >> WELL, A NEW SURVEY FROM       DELOITTE CANAD                   00:00:07.207 --> 00:00:07.240 line:6% align:center >> WELL, A NEW SURVEY FROM       DELOITTE CANADA                  00:00:07.240 --> 00:00:07.273 line:6% align:center >> WELL, A NEW SURVEY FROM       DELOITTE CANADA FO               00:00:07.273 --> 00:00:07.307 line:6% align:center >> WELL, A NEW SURVEY FROM       DELOITTE CANADA FOUN             00:00:07.307 --> 00:00:07.674 line:6% align:center >> WELL, A NEW SURVEY FROM       DELOITTE CANADA FOUND            00:00:07.674 --> 00:00:07.707 line:6% align:center >> WELL, A NEW SURVEY FROM       DELOITTE CANADA FOUND TH         00:00:07.707 --> 00:00:07.741 line:6% align:center >> WELL, A NEW SURVEY FROM       DELOITTE CANADA FOUND THAT       00:00:07.741 --> 00:00:08.875 line:6% align:center >> WELL, A NEW SURVEY FROM       DELOITTE CANADA FOUND THAT       00:00:08.875 --> 00:00:09.009 line:6% align:center DELOITTE CANADA FOUND THAT       00:00:09.009 --> 00:00:09.042 line:6% align:center DELOITTE CANADA FOUND THAT       ON                               00:00:09.042 --> 00:00:09.075 line:6% align:center DELOITTE CANADA FOUND THAT       ONLY                             00:00:09.075 --> 00:00:09.109 line:6% align:center DELOITTE CANADA FOUND THAT       ONLY 1                           00:00:09.109 --> 00:00:09.142 line:6% align:center DELOITTE CANADA FOUND THAT       ONLY 14%                         00:00:09.142 --> 00:00:09.743 line:6% align:center DELOITTE CANADA FOUND THAT       ONLY 14%                         00:00:09.743 --> 00:00:09.776 line:6% align:center DELOITTE CANADA FOUND THAT       ONLY 14% OF                      00:00:09.776 --> 00:00:09.809 line:6% align:center DELOITTE CANADA FOUND THAT       ONLY 14% OF S                    00:00:09.809 --> 00:00:09.843 line:6% align:center DELOITTE CANADA FOUND THAT       ONLY 14% OF SOO                  00:00:09.843 --> 00:00:10.710 line:6% align:center DELOITTE CANADA FOUND THAT       ONLY 14% OF SOON                 00:00:10.710 --> 00:00:10.744 line:6% align:center DELOITTE CANADA FOUND THAT       ONLY 14% OF SOON TO              00:00:10.744 --> 00:00:11.644 line:6% align:center DELOITTE CANADA FOUND THAT       ONLY 14% OF SOON TO              00:00:11.644 --> 00:00:11.678 line:6% align:center DELOITTE CANADA FOUND THAT       ONLY 14% OF SOON TO RE           00:00:11.678 --> 00:00:11.711 line:6% align:center DELOITTE CANADA FOUND THAT       ONLY 14% OF SOON TO RETI         00:00:11.711 --> 00:00:11.745 line:6% align:center DELOITTE CANADA FOUND THAT       ONLY 14% OF SOON TO RETIRE       00:00:11.745 --> 00:00:11.845 line:6% align:center DELOITTE CANADA FOUND THAT       ONLY 14% OF SOON TO RETIRE.      00:00:11.845 --> 00:00:11.978 line:6% align:center ONLY 14% OF SOON TO RETIRE.      00:00:11.978 --> 00:00:12.012 line:6% align:center ONLY 14% OF SOON TO RETIRE.      CA                               00:00:12.012 --> 00:00:12.045 line:6% align:center ONLY 14% OF SOON TO RETIRE.      CANA                             00:00:12.045 --> 00:00:12.078 line:6% align:center ONLY 14% OF SOON TO RETIRE.      CANADI                           00:00:12.078 --> 00:00:12.112 line:6% align:center ONLY 14% OF SOON TO RETIRE.      CANADIAN                         00:00:12.112 --> 00:00:12.779 line:6% align:center ONLY 14% OF SOON TO RETIRE.      CANADIANS                        00:00:12.779 --> 00:00:12.812 line:6% align:center ONLY 14% OF SOON TO RETIRE.      CANADIANS AR                     00:00:12.812 --> 00:00:12.846 line:6% align:center ONLY 14% OF SOON TO RETIRE.      CANADIANS ARE                    00:00:12.846 --> 00:00:12.879 line:6% align:center ONLY 14% OF SOON TO RETIRE.      CANADIANS ARE FI                 00:00:12.879 --> 00:00:12.912 line:6% align:center ONLY 14% OF SOON TO RETIRE.      CANADIANS ARE FINA               00:00:12.912 --> 00:00:12.946 line:6% align:center ONLY 14% OF SOON TO RETIRE.      CANADIANS ARE FINANC             00:00:12.946 --> 00:00:12.979 line:6% align:center ONLY 14% OF SOON TO RETIRE.      CANADIANS ARE FINANCIA           00:00:12.979 --> 00:00:13.013 line:6% align:center ONLY 14% OF SOON TO RETIRE.      CANADIANS ARE FINANCIALL         00:00:13.013 --> 00:00:13.113 line:6% align:center ONLY 14% OF SOON TO RETIRE.      CANADIANS ARE FINANCIALLY        00:00:13.113 --> 00:00:13.246 line:6% align:center CANADIANS ARE FINANCIALLY        00:00:13.246 --> 00:00:13.279 line:6% align:center CANADIANS ARE FINANCIALLY        RE                               00:00:13.279 --> 00:00:13.313 line:6% align:center CANADIANS ARE FINANCIALLY        READ                             00:00:13.313 --> 00:00:13.780 line:6% align:center CANADIANS ARE FINANCIALLY        READY                            00:00:13.780 --> 00:00:13.813 line:6% align:center CANADIANS ARE FINANCIALLY        READY TO                         00:00:13.813 --> 00:00:14.748 line:6% align:center CANADIANS ARE FINANCIALLY        READY TO                         00:00:14.748 --> 00:00:14.781 line:6% align:center CANADIANS ARE FINANCIALLY        READY TO RE                      00:00:14.781 --> 00:00:14.814 line:6% align:center CANADIANS ARE FINANCIALLY        READY TO RETI                    00:00:14.814 --> 00:00:14.848 line:6% align:center CANADIANS ARE FINANCIALLY        READY TO RETIRE                  00:00:14.848 --> 00:00:15.749 line:6% align:center CANADIANS ARE FINANCIALLY        READY TO RETIRE                  00:00:15.749 --> 00:00:15.782 line:6% align:center CANADIANS ARE FINANCIALLY        READY TO RETIRE WI               00:00:15.782 --> 00:00:15.815 line:6% align:center CANADIANS ARE FINANCIALLY        READY TO RETIRE WITH             00:00:15.815 --> 00:00:15.915 line:6% align:center CANADIANS ARE FINANCIALLY        READY TO RETIRE WITH             00:00:15.915 --> 00:00:16.049 line:6% align:center READY TO RETIRE WITH             00:00:16.049 --> 00:00:16.082 line:6% align:center READY TO RETIRE WITH             CO                               00:00:16.082 --> 00:00:16.116 line:6% align:center READY TO RETIRE WITH             CONF                             00:00:16.116 --> 00:00:16.149 line:6% align:center READY TO RETIRE WITH             CONFID                           00:00:16.149 --> 00:00:16.182 line:6% align:center READY TO RETIRE WITH             CONFIDEN                         00:00:16.182 --> 00:00:16.216 line:6% align:center READY TO RETIRE WITH             CONFIDENCE                       00:00:16.216 --> 00:00:16.249 line:6% align:center READY TO RETIRE WITH             CONFIDENCE.                      00:00:16.249 --> 00:00:16.282 line:6% align:center READY TO RETIRE WITH             CONFIDENCE. TH                   00:00:16.282 --> 00:00:16.316 line:6% align:center READY TO RETIRE WITH             CONFIDENCE. THE                  00:00:16.316 --> 00:00:16.349 line:6% align:center READY TO RETIRE WITH             CONFIDENCE. THE RE               00:00:16.349 --> 00:00:16.383 line:6% align:center READY TO RETIRE WITH             CONFIDENCE. THE REPO             00:00:16.383 --> 00:00:16.416 line:6% align:center READY TO RETIRE WITH             CONFIDENCE. THE REPORT           00:00:16.416 --> 00:00:16.449 line:6% align:center READY TO RETIRE WITH             CONFIDENCE. THE REPORT A         00:00:16.449 --> 00:00:16.483 line:6% align:center READY TO RETIRE WITH             CONFIDENCE. THE REPORT ALS       00:00:16.483 --> 00:00:16.916 line:6% align:center READY TO RETIRE WITH             CONFIDENCE. THE REPORT ALSO      00:00:16.916 --> 00:00:17.050 line:6% align:center CONFIDENCE. THE REPORT ALSO      00:00:17.050 --> 00:00:17.083 line:6% align:center CONFIDENCE. THE REPORT ALSO      OF                               00:00:17.083 --> 00:00:17.117 line:6% align:center CONFIDENCE. THE REPORT ALSO      OFFE                             00:00:17.117 --> 00:00:17.150 line:6% align:center CONFIDENCE. THE REPORT ALSO      OFFERS                           00:00:17.150 --> 00:00:17.684 line:6% align:center CONFIDENCE. THE REPORT ALSO      OFFERS                           00:00:17.684 --> 00:00:17.717 line:6% align:center CONFIDENCE. THE REPORT ALSO      OFFERS RE                        00:00:17.717 --> 00:00:17.751 line:6% align:center CONFIDENCE. THE REPORT ALSO      OFFERS RECO                      00:00:17.751 --> 00:00:17.784 line:6% align:center CONFIDENCE. THE REPORT ALSO      OFFERS RECOMM                    00:00:17.784 --> 00:00:17.817 line:6% align:center CONFIDENCE. THE REPORT ALSO      OFFERS RECOMMEN                  00:00:17.817 --> 00:00:17.851 line:6% align:center CONFIDENCE. THE REPORT ALSO      OFFERS RECOMMENDA                00:00:17.851 --> 00:00:17.884 line:6% align:center CONFIDENCE. THE REPORT ALSO      OFFERS RECOMMENDATI              00:00:17.884 --> 00:00:17.917 line:6% align:center CONFIDENCE. THE REPORT ALSO      OFFERS RECOMMENDATION            00:00:17.917 --> 00:00:17.951 line:6% align:center CONFIDENCE. THE REPORT ALSO      OFFERS RECOMMENDATIONS           00:00:17.951 --> 00:00:17.984 line:6% align:center CONFIDENCE. THE REPORT ALSO      OFFERS RECOMMENDATIONS TO        00:00:17.984 --> 00:00:18.018 line:6% align:center CONFIDENCE. THE REPORT ALSO      OFFERS RECOMMENDATIONS TO        00:00:18.018 --> 00:00:18.051 line:6% align:center CONFIDENCE. THE REPORT ALSO      OFFERS RECOMMENDATIONS TO HE     00:00:18.051 --> 00:00:18.084 line:6% align:center CONFIDENCE. THE REPORT ALSO      OFFERS RECOMMENDATIONS TO HELP   00:00:18.084 --> 00:00:18.184 line:6% align:center CONFIDENCE. THE REPORT ALSO      OFFERS RECOMMENDATIONS TO HELP   00:00:18.184 --> 00:00:18.318 line:6% align:center OFFERS RECOMMENDATIONS TO HELP   00:00:18.318 --> 00:00:18.351 line:6% align:center OFFERS RECOMMENDATIONS TO HELP   MO                               00:00:18.351 --> 00:00:18.385 line:6% align:center OFFERS RECOMMENDATIONS TO HELP   MORE                             00:00:18.385 --> 00:00:18.818 line:6% align:center OFFERS RECOMMENDATIONS TO HELP   MORE                             00:00:18.818 --> 00:00:18.852 line:6% align:center OFFERS RECOMMENDATIONS TO HELP   MORE CA                          00:00:18.852 --> 00:00:18.885 line:6% align:center OFFERS RECOMMENDATIONS TO HELP   MORE CANA                        00:00:18.885 --> 00:00:18.918 line:6% align:center OFFERS RECOMMENDATIONS TO HELP   MORE CANADI                      00:00:18.918 --> 00:00:18.952 line:6% align:center OFFERS RECOMMENDATIONS TO HELP   MORE CANADIAN                    00:00:18.952 --> 00:00:19.753 line:6% align:center OFFERS RECOMMENDATIONS TO HELP   MORE CANADIANS                   00:00:19.753 --> 00:00:19.786 line:6% align:center OFFERS RECOMMENDATIONS TO HELP   MORE CANADIANS AC                00:00:19.786 --> 00:00:19.819 line:6% align:center OFFERS RECOMMENDATIONS TO HELP   MORE CANADIANS ACHI              00:00:19.819 --> 00:00:19.853 line:6% align:center OFFERS RECOMMENDATIONS TO HELP   MORE CANADIANS ACHIEV            00:00:19.853 --> 00:00:19.953 line:6% align:center OFFERS RECOMMENDATIONS TO HELP   MORE CANADIANS ACHIEVE           00:00:19.953 --> 00:00:20.086 line:6% align:center MORE CANADIANS ACHIEVE           00:00:20.086 --> 00:00:20.120 line:6% align:center MORE CANADIANS ACHIEVE           FI                               00:00:20.120 --> 00:00:20.153 line:6% align:center MORE CANADIANS ACHIEVE           FINA                             00:00:20.153 --> 00:00:20.186 line:6% align:center MORE CANADIANS ACHIEVE           FINANC                           00:00:20.186 --> 00:00:20.220 line:6% align:center MORE CANADIANS ACHIEVE           FINANCIA                         00:00:20.220 --> 00:00:20.420 line:6% align:center MORE CANADIANS ACHIEVE           FINANCIAL                        00:00:20.420 --> 00:00:20.453 line:6% align:center MORE CANADIANS ACHIEVE           FINANCIAL SE                     00:00:20.453 --> 00:00:20.487 line:6% align:center MORE CANADIANS ACHIEVE           FINANCIAL SECU                   00:00:20.487 --> 00:00:20.520 line:6% align:center MORE CANADIANS ACHIEVE           FINANCIAL SECURI                 00:00:20.520 --> 00:00:20.553 line:6% align:center MORE CANADIANS ACHIEVE           FINANCIAL SECURITY               00:00:20.553 --> 00:00:20.587 line:6% align:center MORE CANADIANS ACHIEVE           FINANCIAL SECURITY I             00:00:20.587 --> 00:00:20.620 line:6% align:center MORE CANADIANS ACHIEVE           FINANCIAL SECURITY IN            00:00:20.620 --> 00:00:20.653 line:6% align:center MORE CANADIANS ACHIEVE           FINANCIAL SECURITY IN TH         00:00:20.653 --> 00:00:20.687 line:6% align:center MORE CANADIANS ACHIEVE           FINANCIAL SECURITY IN THOS       00:00:20.687 --> 00:00:20.787 line:6% align:center MORE CANADIANS ACHIEVE           FINANCIAL SECURITY IN THOSE      00:00:20.787 --> 00:00:20.920 line:6% align:center FINANCIAL SECURITY IN THOSE      00:00:20.920 --> 00:00:20.954 line:6% align:center FINANCIAL SECURITY IN THOSE      SO                               00:00:20.954 --> 00:00:20.987 line:6% align:center FINANCIAL SECURITY IN THOSE      SO-C                             00:00:20.987 --> 00:00:21.021 line:6% align:center FINANCIAL SECURITY IN THOSE      SO-CAL                           00:00:21.021 --> 00:00:21.054 line:6% align:center FINANCIAL SECURITY IN THOSE      SO-CALLE                         00:00:21.054 --> 00:00:22.422 line:6% align:center FINANCIAL SECURITY IN THOSE      SO-CALLED                        00:00:22.422 --> 00:00:22.455 line:6% align:center FINANCIAL SECURITY IN THOSE      SO-CALLED GO                     00:00:22.455 --> 00:00:22.489 line:6% align:center FINANCIAL SECURITY IN THOSE      SO-CALLED GOLD                   00:00:22.489 --> 00:00:22.522 line:6% align:center FINANCIAL SECURITY IN THOSE      SO-CALLED GOLDEN                 00:00:22.522 --> 00:00:22.555 line:6% align:center FINANCIAL SECURITY IN THOSE      SO-CALLED GOLDEN Y               00:00:22.555 --> 00:00:22.589 line:6% align:center FINANCIAL SECURITY IN THOSE      SO-CALLED GOLDEN YEA             00:00:22.589 --> 00:00:22.622 line:6% align:center FINANCIAL SECURITY IN THOSE      SO-CALLED GOLDEN YEARS           00:00:22.622 --> 00:00:23.456 line:6% align:center FINANCIAL SECURITY IN THOSE      SO-CALLED GOLDEN YEARS.          00:00:23.456 --> 00:00:23.490 line:6% align:center FINANCIAL SECURITY IN THOSE      SO-CALLED GOLDEN YEARS. FO       00:00:23.490 --> 00:00:23.590 line:6% align:center FINANCIAL SECURITY IN THOSE      SO-CALLED GOLDEN YEARS. FOR      00:00:23.590 --> 00:00:23.723 line:6% align:center SO-CALLED GOLDEN YEARS. FOR      00:00:23.723 --> 00:00:23.757 line:6% align:center SO-CALLED GOLDEN YEARS. FOR      MO                               00:00:23.757 --> 00:00:23.790 line:6% align:center SO-CALLED GOLDEN YEARS. FOR      MORE                             00:00:23.790 --> 00:00:23.823 line:6% align:center SO-CALLED GOLDEN YEARS. FOR      MORE,                            00:00:23.823 --> 00:00:23.857 line:6% align:center SO-CALLED GOLDEN YEARS. FOR      MORE, LE                         00:00:23.857 --> 00:00:23.890 line:6% align:center SO-CALLED GOLDEN YEARS. FOR      MORE, LET'                       00:00:23.890 --> 00:00:24.257 line:6% align:center SO-CALLED GOLDEN YEARS. FOR      MORE, LET'S                      00:00:24.257 --> 00:00:24.290 line:6% align:center SO-CALLED GOLDEN YEARS. FOR      MORE, LET'S BR                   00:00:24.290 --> 00:00:24.324 line:6% align:center SO-CALLED GOLDEN YEARS. FOR      MORE, LET'S BRIN                 00:00:24.324 --> 00:00:24.357 line:6% align:center SO-CALLED GOLDEN YEARS. FOR      MORE, LET'S BRING                00:00:24.357 --> 00:00:24.391 line:6% align:center SO-CALLED GOLDEN YEARS. FOR      MORE, LET'S BRING IN             00:00:24.391 --> 00:00:24.424 line:6% align:center SO-CALLED GOLDEN YEARS. FOR      MORE, LET'S BRING IN             00:00:24.424 --> 00:00:24.457 line:6% align:center SO-CALLED GOLDEN YEARS. FOR      MORE, LET'S BRING IN ON          00:00:24.457 --> 00:00:24.491 line:6% align:center SO-CALLED GOLDEN YEARS. FOR      MORE, LET'S BRING IN ONE         00:00:24.491 --> 00:00:24.524 line:6% align:center SO-CALLED GOLDEN YEARS. FOR      MORE, LET'S BRING IN ONE CA      00:00:24.524 --> 00:00:24.557 line:6% align:center SO-CALLED GOLDEN YEARS. FOR      MORE, LET'S BRING IN ONE CAMP    00:00:24.557 --> 00:00:25.358 line:6% align:center SO-CALLED GOLDEN YEARS. FOR      MORE, LET'S BRING IN ONE CAMP    00:00:25.358 --> 00:00:25.492 line:6% align:center MORE, LET'S BRING IN ONE CAMP    00:00:25.492 --> 00:00:25.525 line:6% align:center MORE, LET'S BRING IN ONE CAMP    PA                               00:00:25.525 --> 00:00:25.558 line:6% align:center MORE, LET'S BRING IN ONE CAMP    PART                             00:00:25.558 --> 00:00:25.592 line:6% align:center MORE, LET'S BRING IN ONE CAMP    PARTNE                           00:00:25.592 --> 00:00:25.625 line:6% align:center MORE, LET'S BRING IN ONE CAMP    PARTNER                          00:00:25.625 --> 00:00:25.658 line:6% align:center MORE, LET'S BRING IN ONE CAMP    PARTNER FO                       00:00:25.658 --> 00:00:25.692 line:6% align:center MORE, LET'S BRING IN ONE CAMP    PARTNER FOR                      00:00:25.692 --> 00:00:25.725 line:6% align:center MORE, LET'S BRING IN ONE CAMP    PARTNER FOR FI                   00:00:25.725 --> 00:00:25.759 line:6% align:center MORE, LET'S BRING IN ONE CAMP    PARTNER FOR FINA                 00:00:25.759 --> 00:00:25.792 line:6% align:center MORE, LET'S BRING IN ONE CAMP    PARTNER FOR FINANC               00:00:25.792 --> 00:00:25.825 line:6% align:center MORE, LET'S BRING IN ONE CAMP    PARTNER FOR FINANCIA             00:00:25.825 --> 00:00:25.859 line:6% align:center MORE, LET'S BRING IN ONE CAMP    PARTNER FOR FINANCIAL            00:00:25.859 --> 00:00:25.892 line:6% align:center MORE, LET'S BRING IN ONE CAMP    PARTNER FOR FINANCIAL SE         00:00:25.892 --> 00:00:25.925 line:6% align:center MORE, LET'S BRING IN ONE CAMP    PARTNER FOR FINANCIAL SERV       00:00:25.925 --> 00:00:25.959 line:6% align:center MORE, LET'S BRING IN ONE CAMP    PARTNER FOR FINANCIAL SERVIC     00:00:25.959 --> 00:00:25.992 line:6% align:center MORE, LET'S BRING IN ONE CAMP    PARTNER FOR FINANCIAL SERVICES   00:00:25.992 --> 00:00:26.493 line:6% align:center MORE, LET'S BRING IN ONE CAMP    PARTNER FOR FINANCIAL SERVICES   00:00:26.493 --> 00:00:26.626 line:6% align:center PARTNER FOR FINANCIAL SERVICES   00:00:26.626 --> 00:00:26.659 line:6% align:center PARTNER FOR FINANCIAL SERVICES   IN                               00:00:26.659 --> 00:00:26.693 line:6% align:center PARTNER FOR FINANCIAL SERVICES   INNO                             00:00:26.693 --> 00:00:26.726 line:6% align:center PARTNER FOR FINANCIAL SERVICES   INNOVA                           00:00:26.726 --> 00:00:26.760 line:6% align:center PARTNER FOR FINANCIAL SERVICES   INNOVATI                         00:00:26.760 --> 00:00:26.793 line:6% align:center PARTNER FOR FINANCIAL SERVICES   INNOVATION                       00:00:26.793 --> 00:00:27.327 line:6% align:center PARTNER FOR FINANCIAL SERVICES   INNOVATION                       00:00:27.327 --> 00:00:27.360 line:6% align:center PARTNER FOR FINANCIAL SERVICES   INNOVATION AN                    00:00:27.360 --> 00:00:27.394 line:6% align:center PARTNER FOR FINANCIAL SERVICES   INNOVATION AND                   00:00:27.394 --> 00:00:27.427 line:6% align:center PARTNER FOR FINANCIAL SERVICES   INNOVATION AND OP                00:00:27.427 --> 00:00:27.460 line:6% align:center PARTNER FOR FINANCIAL SERVICES   INNOVATION AND OPEN              00:00:27.460 --> 00:00:27.494 line:6% align:center PARTNER FOR FINANCIAL SERVICES   INNOVATION AND OPEN              00:00:27.494 --> 00:00:27.527 line:6% align:center PARTNER FOR FINANCIAL SERVICES   INNOVATION AND OPEN BA           00:00:27.527 --> 00:00:27.560 line:6% align:center PARTNER FOR FINANCIAL SERVICES   INNOVATION AND OPEN BANK         00:00:27.560 --> 00:00:27.594 line:6% align:center PARTNER FOR FINANCIAL SERVICES   INNOVATION AND OPEN BANKIN       00:00:27.594 --> 00:00:27.627 line:6% align:center PARTNER FOR FINANCIAL SERVICES   INNOVATION AND OPEN BANKING      00:00:27.627 --> 00:00:27.660 line:6% align:center PARTNER FOR FINANCIAL SERVICES   INNOVATION AND OPEN BANKING AT   00:00:27.660 --> 00:00:27.761 line:6% align:center PARTNER FOR FINANCIAL SERVICES   INNOVATION AND OPEN BANKING AT   00:00:27.761 --> 00:00:27.894 line:6% align:center INNOVATION AND OPEN BANKING AT   00:00:27.894 --> 00:00:27.927 line:6% align:center INNOVATION AND OPEN BANKING AT   DE                               00:00:27.927 --> 00:00:27.961 line:6% align:center INNOVATION AND OPEN BANKING AT   DELO                             00:00:27.961 --> 00:00:27.994 line:6% align:center INNOVATION AND OPEN BANKING AT   DELOIT                           00:00:27.994 --> 00:00:28.028 line:6% align:center INNOVATION AND OPEN BANKING AT   DELOITTE                         00:00:28.028 --> 00:00:28.061 line:6% align:center INNOVATION AND OPEN BANKING AT   DELOITTE                         00:00:28.061 --> 00:00:28.094 line:6% align:center INNOVATION AND OPEN BANKING AT   DELOITTE CA                      00:00:28.094 --> 00:00:28.128 line:6% align:center INNOVATION AND OPEN BANKING AT   DELOITTE CANA                    00:00:28.128 --> 00:00:28.161 line:6% align:center INNOVATION AND OPEN BANKING AT   DELOITTE CANADA                  00:00:28.161 --> 00:00:28.194 line:6% align:center INNOVATION AND OPEN BANKING AT   DELOITTE CANADA.                 00:00:28.194 --> 00:00:28.228 line:6% align:center INNOVATION AND OPEN BANKING AT   DELOITTE CANADA. TH              00:00:28.228 --> 00:00:28.261 line:6% align:center INNOVATION AND OPEN BANKING AT   DELOITTE CANADA. THAN            00:00:28.261 --> 00:00:28.294 line:6% align:center INNOVATION AND OPEN BANKING AT   DELOITTE CANADA. THANKS          00:00:28.294 --> 00:00:28.328 line:6% align:center INNOVATION AND OPEN BANKING AT   DELOITTE CANADA. THANKS S        00:00:28.328 --> 00:00:28.428 line:6% align:center INNOVATION AND OPEN BANKING AT   DELOITTE CANADA. THANKS SO       00:00:28.428 --> 00:00:28.561 line:6% align:center DELOITTE CANADA. THANKS SO       00:00:28.561 --> 00:00:28.595 line:6% align:center DELOITTE CANADA. THANKS SO       MU                               00:00:28.595 --> 00:00:28.628 line:6% align:center DELOITTE CANADA. THANKS SO       MUCH                             00:00:28.628 --> 00:00:28.661 line:6% align:center DELOITTE CANADA. THANKS SO       MUCH F                           00:00:28.661 --> 00:00:28.695 line:6% align:center DELOITTE CANADA. THANKS SO       MUCH FOR                         00:00:28.695 --> 00:00:28.728 line:6% align:center DELOITTE CANADA. THANKS SO       MUCH FOR J                       00:00:28.728 --> 00:00:28.762 line:6% align:center DELOITTE CANADA. THANKS SO       MUCH FOR JOI                     00:00:28.762 --> 00:00:28.795 line:6% align:center DELOITTE CANADA. THANKS SO       MUCH FOR JOINI                   00:00:28.795 --> 00:00:28.828 line:6% align:center DELOITTE CANADA. THANKS SO       MUCH FOR JOINING                 00:00:28.828 --> 00:00:28.862 line:6% align:center DELOITTE CANADA. THANKS SO       MUCH FOR JOINING U               00:00:28.862 --> 00:00:28.895 line:6% align:center DELOITTE CANADA. THANKS SO       MUCH FOR JOINING US              00:00:28.895 --> 00:00:28.928 line:6% align:center DELOITTE CANADA. THANKS SO       MUCH FOR JOINING US TH           00:00:28.928 --> 00:00:28.962 line:6% align:center DELOITTE CANADA. THANKS SO       MUCH FOR JOINING US THIS         00:00:28.962 --> 00:00:29.062 line:6% align:center DELOITTE CANADA. THANKS SO       MUCH FOR JOINING US THIS         00:00:29.062 --> 00:00:29.195 line:6% align:center MUCH FOR JOINING US THIS         00:00:29.195 --> 00:00:29.229 line:6% align:center MUCH FOR JOINING US THIS         AF                               00:00:29.229 --> 00:00:29.262 line:6% align:center MUCH FOR JOINING US THIS         AFTE                             00:00:29.262 --> 00:00:29.295 line:6% align:center MUCH FOR JOINING US THIS         AFTERN                           00:00:29.295 --> 00:00:29.329 line:6% align:center MUCH FOR JOINING US THIS         AFTERNOO                         00:00:29.329 --> 00:00:29.362 line:6% align:center MUCH FOR JOINING US THIS         AFTERNOON.                       00:00:29.362 --> 00:00:30.230 line:6% align:center MUCH FOR JOINING US THIS         AFTERNOON.                       00:00:30.230 --> 00:00:30.263 line:6% align:center MUCH FOR JOINING US THIS         AFTERNOON. TH                    00:00:30.263 --> 00:00:30.296 line:6% align:center MUCH FOR JOINING US THIS         AFTERNOON. THAN                  00:00:30.296 --> 00:00:30.330 line:6% align:center MUCH FOR JOINING US THIS         AFTERNOON. THANK                 00:00:30.330 --> 00:00:30.363 line:6% align:center MUCH FOR JOINING US THIS         AFTERNOON. THANK YO              00:00:30.363 --> 00:00:30.397 line:6% align:center MUCH FOR JOINING US THIS         AFTERNOON. THANK YOU             00:00:30.397 --> 00:00:30.430 line:6% align:center MUCH FOR JOINING US THIS         AFTERNOON. THANK YOU FO          00:00:30.430 --> 00:00:32.732 line:6% align:center MUCH FOR JOINING US THIS         AFTERNOON. THANK YOU FOR         00:00:32.732 --> 00:00:32.866 line:6% align:center AFTERNOON. THANK YOU FOR         00:00:32.866 --> 00:00:32.899 line:6% align:center AFTERNOON. THANK YOU FOR         HA                               00:00:32.899 --> 00:00:32.932 line:6% align:center AFTERNOON. THANK YOU FOR         HAVI                             00:00:32.932 --> 00:00:32.966 line:6% align:center AFTERNOON. THANK YOU FOR         HAVING                           00:00:32.966 --> 00:00:32.999 line:6% align:center AFTERNOON. THANK YOU FOR         HAVING M                         00:00:32.999 --> 00:00:33.033 line:6% align:center AFTERNOON. THANK YOU FOR         HAVING ME.                       00:00:33.033 --> 00:00:33.066 line:6% align:center AFTERNOON. THANK YOU FOR         HAVING ME.                       00:00:33.066 --> 00:00:33.099 line:6% align:center AFTERNOON. THANK YOU FOR         HAVING ME. SO                    00:00:33.099 --> 00:00:33.133 line:6% align:center AFTERNOON. THANK YOU FOR         HAVING ME. SO A                  00:00:33.133 --> 00:00:35.702 line:6% align:center AFTERNOON. THANK YOU FOR         HAVING ME. SO A                  00:00:35.702 --> 00:00:35.735 line:6% align:center AFTERNOON. THANK YOU FOR         HAVING ME. SO A 14               00:00:35.735 --> 00:00:35.769 line:6% align:center AFTERNOON. THANK YOU FOR         HAVING ME. SO A 14%              00:00:35.769 --> 00:00:35.802 line:6% align:center AFTERNOON. THANK YOU FOR         HAVING ME. SO A 14% AR           00:00:35.802 --> 00:00:36.736 line:6% align:center AFTERNOON. THANK YOU FOR         HAVING ME. SO A 14% ARE          00:00:36.736 --> 00:00:36.770 line:6% align:center AFTERNOON. THANK YOU FOR         HAVING ME. SO A 14% ARE AR       00:00:36.770 --> 00:00:36.870 line:6% align:center AFTERNOON. THANK YOU FOR         HAVING ME. SO A 14% ARE ARE      00:00:36.870 --> 00:00:37.003 line:6% align:center HAVING ME. SO A 14% ARE ARE      00:00:37.003 --> 00:00:37.037 line:6% align:center HAVING ME. SO A 14% ARE ARE      RE                               00:00:37.037 --> 00:00:37.070 line:6% align:center HAVING ME. SO A 14% ARE ARE      READ                             00:00:37.070 --> 00:00:37.737 line:6% align:center HAVING ME. SO A 14% ARE ARE      READY                            00:00:37.737 --> 00:00:37.771 line:6% align:center HAVING ME. SO A 14% ARE ARE      READY WI                         00:00:37.771 --> 00:00:37.804 line:6% align:center HAVING ME. SO A 14% ARE ARE      READY WITH                       00:00:37.804 --> 00:00:38.538 line:6% align:center HAVING ME. SO A 14% ARE ARE      READY WITH                       00:00:38.538 --> 00:00:38.571 line:6% align:center HAVING ME. SO A 14% ARE ARE      READY WITH CO                    00:00:38.571 --> 00:00:38.605 line:6% align:center HAVING ME. SO A 14% ARE ARE      READY WITH CONF                  00:00:38.605 --> 00:00:38.638 line:6% align:center HAVING ME. SO A 14% ARE ARE      READY WITH CONFID                00:00:38.638 --> 00:00:38.671 line:6% align:center HAVING ME. SO A 14% ARE ARE      READY WITH CONFIDEN              00:00:38.671 --> 00:00:38.705 line:6% align:center HAVING ME. SO A 14% ARE ARE      READY WITH CONFIDENCE            00:00:38.705 --> 00:00:38.738 line:6% align:center HAVING ME. SO A 14% ARE ARE      READY WITH CONFIDENCE            00:00:38.738 --> 00:00:38.772 line:6% align:center HAVING ME. SO A 14% ARE ARE      READY WITH CONFIDENCE TO         00:00:38.772 --> 00:00:38.872 line:6% align:center HAVING ME. SO A 14% ARE ARE      READY WITH CONFIDENCE TO         00:00:38.872 --> 00:00:39.005 line:6% align:center READY WITH CONFIDENCE TO         00:00:39.005 --> 00:00:39.039 line:6% align:center READY WITH CONFIDENCE TO         RE                               00:00:39.039 --> 00:00:39.072 line:6% align:center READY WITH CONFIDENCE TO         RETI                             00:00:39.072 --> 00:00:39.105 line:6% align:center READY WITH CONFIDENCE TO         RETIRE                           00:00:39.105 --> 00:00:39.139 line:6% align:center READY WITH CONFIDENCE TO         RETIRE.                          00:00:39.139 --> 00:00:39.172 line:6% align:center READY WITH CONFIDENCE TO         RETIRE. WH                       00:00:39.172 --> 00:00:39.205 line:6% align:center READY WITH CONFIDENCE TO         RETIRE. WHAT                     00:00:39.205 --> 00:00:39.239 line:6% align:center READY WITH CONFIDENCE TO         RETIRE. WHAT W                   00:00:39.239 --> 00:00:39.272 line:6% align:center READY WITH CONFIDENCE TO         RETIRE. WHAT WHA                 00:00:39.272 --> 00:00:39.305 line:6% align:center READY WITH CONFIDENCE TO         RETIRE. WHAT WHAT                00:00:39.305 --> 00:00:39.339 line:6% align:center READY WITH CONFIDENCE TO         RETIRE. WHAT WHAT DO             00:00:39.339 --> 00:00:39.372 line:6% align:center READY WITH CONFIDENCE TO         RETIRE. WHAT WHAT DOES           00:00:39.372 --> 00:00:39.406 line:6% align:center READY WITH CONFIDENCE TO         RETIRE. WHAT WHAT DOES           00:00:39.406 --> 00:00:39.439 line:6% align:center READY WITH CONFIDENCE TO         RETIRE. WHAT WHAT DOES TH        00:00:39.439 --> 00:00:39.472 line:6% align:center READY WITH CONFIDENCE TO         RETIRE. WHAT WHAT DOES THAT      00:00:39.472 --> 00:00:39.572 line:6% align:center READY WITH CONFIDENCE TO         RETIRE. WHAT WHAT DOES THAT      00:00:39.572 --> 00:00:39.706 line:6% align:center RETIRE. WHAT WHAT DOES THAT      00:00:39.706 --> 00:00:39.739 line:6% align:center RETIRE. WHAT WHAT DOES THAT      LO                               00:00:39.739 --> 00:00:39.773 line:6% align:center RETIRE. WHAT WHAT DOES THAT      LOOK                             00:00:39.773 --> 00:00:39.806 line:6% align:center RETIRE. WHAT WHAT DOES THAT      LOOK L                           00:00:39.806 --> 00:00:39.839 line:6% align:center RETIRE. WHAT WHAT DOES THAT      LOOK LIK                         00:00:39.839 --> 00:00:39.873 line:6% align:center RETIRE. WHAT WHAT DOES THAT      LOOK LIKE?                       00:00:39.873 --> 00:00:43.877 line:6% align:center RETIRE. WHAT WHAT DOES THAT      LOOK LIKE?                       00:00:43.877 --> 00:00:44.010 line:6% align:center LOOK LIKE?                       00:00:44.010 --> 00:00:44.044 line:6% align:center LOOK LIKE?                       >>                               00:00:44.044 --> 00:00:44.077 line:6% align:center LOOK LIKE?                       >> S                             00:00:44.077 --> 00:00:44.110 line:6% align:center LOOK LIKE?                       >> SO                            00:00:44.110 --> 00:00:44.144 line:6% align:center LOOK LIKE?                       >> SO RE                         00:00:44.144 --> 00:00:44.177 line:6% align:center LOOK LIKE?                       >> SO RETU                       00:00:44.177 --> 00:00:44.210 line:6% align:center LOOK LIKE?                       >> SO RETURN                     00:00:44.210 --> 00:00:44.244 line:6% align:center LOOK LIKE?                       >> SO RETURNIN                   00:00:44.244 --> 00:00:44.944 line:6% align:center LOOK LIKE?                       >> SO RETURNING                  00:00:44.944 --> 00:00:44.978 line:6% align:center LOOK LIKE?                       >> SO RETURNING CO               00:00:44.978 --> 00:00:45.011 line:6% align:center LOOK LIKE?                       >> SO RETURNING CONF             00:00:45.011 --> 00:00:45.045 line:6% align:center LOOK LIKE?                       >> SO RETURNING CONFID           00:00:45.045 --> 00:00:45.078 line:6% align:center LOOK LIKE?                       >> SO RETURNING CONFIDEN         00:00:45.078 --> 00:00:45.111 line:6% align:center LOOK LIKE?                       >> SO RETURNING CONFIDENCE       00:00:45.111 --> 00:00:45.211 line:6% align:center LOOK LIKE?                       >> SO RETURNING CONFIDENCE       00:00:45.211 --> 00:00:45.345 line:6% align:center >> SO RETURNING CONFIDENCE       00:00:45.345 --> 00:00:45.378 line:6% align:center >> SO RETURNING CONFIDENCE       DO                               00:00:45.378 --> 00:00:45.412 line:6% align:center >> SO RETURNING CONFIDENCE       DOES                             00:00:45.412 --> 00:00:45.445 line:6% align:center >> SO RETURNING CONFIDENCE       DOESN'                           00:00:45.445 --> 00:00:45.845 line:6% align:center >> SO RETURNING CONFIDENCE       DOESN'T                          00:00:45.845 --> 00:00:45.879 line:6% align:center >> SO RETURNING CONFIDENCE       DOESN'T JU                       00:00:45.879 --> 00:00:45.912 line:6% align:center >> SO RETURNING CONFIDENCE       DOESN'T JUST                     00:00:45.912 --> 00:00:45.945 line:6% align:center >> SO RETURNING CONFIDENCE       DOESN'T JUST M                   00:00:45.945 --> 00:00:45.979 line:6% align:center >> SO RETURNING CONFIDENCE       DOESN'T JUST MEA                 00:00:45.979 --> 00:00:46.846 line:6% align:center >> SO RETURNING CONFIDENCE       DOESN'T JUST MEAN                00:00:46.846 --> 00:00:46.880 line:6% align:center >> SO RETURNING CONFIDENCE       DOESN'T JUST MEAN TH             00:00:46.880 --> 00:00:46.913 line:6% align:center >> SO RETURNING CONFIDENCE       DOESN'T JUST MEAN THAT           00:00:46.913 --> 00:00:46.946 line:6% align:center >> SO RETURNING CONFIDENCE       DOESN'T JUST MEAN THAT Y         00:00:46.946 --> 00:00:46.980 line:6% align:center >> SO RETURNING CONFIDENCE       DOESN'T JUST MEAN THAT YOU       00:00:46.980 --> 00:00:47.013 line:6% align:center >> SO RETURNING CONFIDENCE       DOESN'T JUST MEAN THAT YOU'R     00:00:47.013 --> 00:00:47.113 line:6% align:center >> SO RETURNING CONFIDENCE       DOESN'T JUST MEAN THAT YOU'RE    00:00:47.113 --> 00:00:47.247 line:6% align:center DOESN'T JUST MEAN THAT YOU'RE    00:00:47.247 --> 00:00:47.280 line:6% align:center DOESN'T JUST MEAN THAT YOU'RE    AP                               00:00:47.280 --> 00:00:47.313 line:6% align:center DOESN'T JUST MEAN THAT YOU'RE    APPO                             00:00:47.313 --> 00:00:47.347 line:6% align:center DOESN'T JUST MEAN THAT YOU'RE    APPOIN                           00:00:47.347 --> 00:00:47.380 line:6% align:center DOESN'T JUST MEAN THAT YOU'RE    APPOINTE                         00:00:47.380 --> 00:00:47.414 line:6% align:center DOESN'T JUST MEAN THAT YOU'RE    APPOINTED                        00:00:47.414 --> 00:00:47.447 line:6% align:center DOESN'T JUST MEAN THAT YOU'RE    APPOINTED PA                     00:00:47.447 --> 00:00:47.480 line:6% align:center DOESN'T JUST MEAN THAT YOU'RE    APPOINTED PART                   00:00:47.480 --> 00:00:47.514 line:6% align:center DOESN'T JUST MEAN THAT YOU'RE    APPOINTED PARTY                  00:00:47.514 --> 00:00:47.547 line:6% align:center DOESN'T JUST MEAN THAT YOU'RE    APPOINTED PARTY TH               00:00:47.547 --> 00:00:47.580 line:6% align:center DOESN'T JUST MEAN THAT YOU'RE    APPOINTED PARTY THAT             00:00:47.580 --> 00:00:47.680 line:6% align:center DOESN'T JUST MEAN THAT YOU'RE    APPOINTED PARTY THAT             00:00:47.680 --> 00:00:47.714 line:6% align:center DOESN'T JUST MEAN THAT YOU'RE    APPOINTED PARTY THAT CA          00:00:47.714 --> 00:00:47.747 line:6% align:center DOESN'T JUST MEAN THAT YOU'RE    APPOINTED PARTY THAT CANN        00:00:47.747 --> 00:00:47.781 line:6% align:center DOESN'T JUST MEAN THAT YOU'RE    APPOINTED PARTY THAT CANNOT      00:00:47.781 --> 00:00:47.814 line:6% align:center DOESN'T JUST MEAN THAT YOU'RE    APPOINTED PARTY THAT CANNOT B    00:00:47.814 --> 00:00:48.915 line:6% align:center DOESN'T JUST MEAN THAT YOU'RE    APPOINTED PARTY THAT CANNOT BE   00:00:48.915 --> 00:00:49.049 line:6% align:center APPOINTED PARTY THAT CANNOT BE   00:00:49.049 --> 00:00:49.082 line:6% align:center APPOINTED PARTY THAT CANNOT BE   TH                               00:00:49.082 --> 00:00:49.115 line:6% align:center APPOINTED PARTY THAT CANNOT BE   THE                              00:00:49.115 --> 00:00:49.149 line:6% align:center APPOINTED PARTY THAT CANNOT BE   THE BA                           00:00:49.149 --> 00:00:49.182 line:6% align:center APPOINTED PARTY THAT CANNOT BE   THE BAR                          00:00:49.182 --> 00:00:49.215 line:6% align:center APPOINTED PARTY THAT CANNOT BE   THE BAR KN                       00:00:49.215 --> 00:00:49.249 line:6% align:center APPOINTED PARTY THAT CANNOT BE   THE BAR KNOW                     00:00:49.249 --> 00:00:49.282 line:6% align:center APPOINTED PARTY THAT CANNOT BE   THE BAR KNOW T                   00:00:49.282 --> 00:00:49.315 line:6% align:center APPOINTED PARTY THAT CANNOT BE   THE BAR KNOW THE                 00:00:49.315 --> 00:00:49.816 line:6% align:center APPOINTED PARTY THAT CANNOT BE   THE BAR KNOW THE                 00:00:49.816 --> 00:00:49.849 line:6% align:center APPOINTED PARTY THAT CANNOT BE   THE BAR KNOW THE RE              00:00:49.849 --> 00:00:49.883 line:6% align:center APPOINTED PARTY THAT CANNOT BE   THE BAR KNOW THE REAL            00:00:49.883 --> 00:00:50.750 line:6% align:center APPOINTED PARTY THAT CANNOT BE   THE BAR KNOW THE REAL            00:00:50.750 --> 00:00:50.784 line:6% align:center APPOINTED PARTY THAT CANNOT BE   THE BAR KNOW THE REAL QU         00:00:50.784 --> 00:00:50.817 line:6% align:center APPOINTED PARTY THAT CANNOT BE   THE BAR KNOW THE REAL QUES       00:00:50.817 --> 00:00:50.850 line:6% align:center APPOINTED PARTY THAT CANNOT BE   THE BAR KNOW THE REAL QUESTI     00:00:50.850 --> 00:00:50.884 line:6% align:center APPOINTED PARTY THAT CANNOT BE   THE BAR KNOW THE REAL QUESTION   00:00:50.884 --> 00:00:50.984 line:6% align:center APPOINTED PARTY THAT CANNOT BE   THE BAR KNOW THE REAL QUESTION   00:00:50.984 --> 00:00:51.117 line:6% align:center THE BAR KNOW THE REAL QUESTION   00:00:51.117 --> 00:00:51.151 line:6% align:center THE BAR KNOW THE REAL QUESTION   CA                               00:00:51.151 --> 00:00:52.786 line:6% align:center THE BAR KNOW THE REAL QUESTION   CAN                              00:00:52.786 --> 00:00:52.819 line:6% align:center THE BAR KNOW THE REAL QUESTION   CAN CA                           00:00:52.819 --> 00:00:52.852 line:6% align:center THE BAR KNOW THE REAL QUESTION   CAN CANA                         00:00:52.852 --> 00:00:52.886 line:6% align:center THE BAR KNOW THE REAL QUESTION   CAN CANADI                       00:00:52.886 --> 00:00:52.919 line:6% align:center THE BAR KNOW THE REAL QUESTION   CAN CANADIAN                     00:00:52.919 --> 00:00:52.952 line:6% align:center THE BAR KNOW THE REAL QUESTION   CAN CANADIAN N                   00:00:52.952 --> 00:00:52.986 line:6% align:center THE BAR KNOW THE REAL QUESTION   CAN CANADIAN NEA                 00:00:52.986 --> 00:00:53.853 line:6% align:center THE BAR KNOW THE REAL QUESTION   CAN CANADIAN NEAR                00:00:53.853 --> 00:00:53.887 line:6% align:center THE BAR KNOW THE REAL QUESTION   CAN CANADIAN NEAR RE             00:00:53.887 --> 00:00:53.920 line:6% align:center THE BAR KNOW THE REAL QUESTION   CAN CANADIAN NEAR RETI           00:00:53.920 --> 00:00:53.953 line:6% align:center THE BAR KNOW THE REAL QUESTION   CAN CANADIAN NEAR RETIRE         00:00:53.953 --> 00:00:53.987 line:6% align:center THE BAR KNOW THE REAL QUESTION   CAN CANADIAN NEAR RETIREES       00:00:53.987 --> 00:00:54.087 line:6% align:center THE BAR KNOW THE REAL QUESTION   CAN CANADIAN NEAR RETIREES       00:00:54.087 --> 00:00:54.220 line:6% align:center CAN CANADIAN NEAR RETIREES       00:00:54.220 --> 00:00:54.254 line:6% align:center CAN CANADIAN NEAR RETIREES       EN                               00:00:54.254 --> 00:00:54.287 line:6% align:center CAN CANADIAN NEAR RETIREES       ENTE                             00:00:54.287 --> 00:00:54.320 line:6% align:center CAN CANADIAN NEAR RETIREES       ENTER                            00:00:54.320 --> 00:00:54.354 line:6% align:center CAN CANADIAN NEAR RETIREES       ENTER RE                         00:00:54.354 --> 00:00:54.387 line:6% align:center CAN CANADIAN NEAR RETIREES       ENTER RETI                       00:00:54.387 --> 00:00:54.421 line:6% align:center CAN CANADIAN NEAR RETIREES       ENTER RETIRE                     00:00:54.421 --> 00:00:54.454 line:6% align:center CAN CANADIAN NEAR RETIREES       ENTER RETIREME                   00:00:54.454 --> 00:00:54.487 line:6% align:center CAN CANADIAN NEAR RETIREES       ENTER RETIREMENT                 00:00:54.487 --> 00:00:54.521 line:6% align:center CAN CANADIAN NEAR RETIREES       ENTER RETIREMENT W               00:00:54.521 --> 00:00:54.554 line:6% align:center CAN CANADIAN NEAR RETIREES       ENTER RETIREMENT WAN             00:00:54.554 --> 00:00:54.587 line:6% align:center CAN CANADIAN NEAR RETIREES       ENTER RETIREMENT WANT            00:00:54.587 --> 00:00:54.621 line:6% align:center CAN CANADIAN NEAR RETIREES       ENTER RETIREMENT WANT TO         00:00:54.621 --> 00:00:54.654 line:6% align:center CAN CANADIAN NEAR RETIREES       ENTER RETIREMENT WANT TO B       00:00:54.654 --> 00:00:54.754 line:6% align:center CAN CANADIAN NEAR RETIREES       ENTER RETIREMENT WANT TO BE      00:00:54.754 --> 00:00:54.888 line:6% align:center ENTER RETIREMENT WANT TO BE      00:00:54.888 --> 00:00:54.921 line:6% align:center ENTER RETIREMENT WANT TO BE      AB                               00:00:54.921 --> 00:00:54.954 line:6% align:center ENTER RETIREMENT WANT TO BE      ABLE                             00:00:54.954 --> 00:00:54.988 line:6% align:center ENTER RETIREMENT WANT TO BE      ABLE T                           00:00:54.988 --> 00:00:55.021 line:6% align:center ENTER RETIREMENT WANT TO BE      ABLE TO                          00:00:55.021 --> 00:00:55.055 line:6% align:center ENTER RETIREMENT WANT TO BE      ABLE TO CO                       00:00:55.055 --> 00:00:55.088 line:6% align:center ENTER RETIREMENT WANT TO BE      ABLE TO COVE                     00:00:55.088 --> 00:00:55.121 line:6% align:center ENTER RETIREMENT WANT TO BE      ABLE TO COVER                    00:00:55.121 --> 00:00:55.155 line:6% align:center ENTER RETIREMENT WANT TO BE      ABLE TO COVER TH                 00:00:55.155 --> 00:00:55.188 line:6% align:center ENTER RETIREMENT WANT TO BE      ABLE TO COVER THE                00:00:55.188 --> 00:00:55.221 line:6% align:center ENTER RETIREMENT WANT TO BE      ABLE TO COVER THE LI             00:00:55.221 --> 00:00:55.255 line:6% align:center ENTER RETIREMENT WANT TO BE      ABLE TO COVER THE LIFE           00:00:55.255 --> 00:00:55.288 line:6% align:center ENTER RETIREMENT WANT TO BE      ABLE TO COVER THE LIFEST         00:00:55.288 --> 00:00:55.321 line:6% align:center ENTER RETIREMENT WANT TO BE      ABLE TO COVER THE LIFESTYL       00:00:55.321 --> 00:00:55.422 line:6% align:center ENTER RETIREMENT WANT TO BE      ABLE TO COVER THE LIFESTYLE      00:00:55.422 --> 00:00:55.555 line:6% align:center ABLE TO COVER THE LIFESTYLE      00:00:55.555 --> 00:00:55.588 line:6% align:center ABLE TO COVER THE LIFESTYLE      MO                               00:00:55.588 --> 00:00:55.622 line:6% align:center ABLE TO COVER THE LIFESTYLE      MODE                             00:00:55.622 --> 00:00:55.655 line:6% align:center ABLE TO COVER THE LIFESTYLE      MODEST                           00:00:55.655 --> 00:00:55.688 line:6% align:center ABLE TO COVER THE LIFESTYLE      MODEST                           00:00:55.688 --> 00:00:55.722 line:6% align:center ABLE TO COVER THE LIFESTYLE      MODEST LI                        00:00:55.722 --> 00:00:55.755 line:6% align:center ABLE TO COVER THE LIFESTYLE      MODEST LIFE                      00:00:55.755 --> 00:00:55.789 line:6% align:center ABLE TO COVER THE LIFESTYLE      MODEST LIFEST                    00:00:55.789 --> 00:00:55.822 line:6% align:center ABLE TO COVER THE LIFESTYLE      MODEST LIFESTYL                  00:00:55.822 --> 00:00:55.855 line:6% align:center ABLE TO COVER THE LIFESTYLE      MODEST LIFESTYLE                 00:00:55.855 --> 00:00:55.889 line:6% align:center ABLE TO COVER THE LIFESTYLE      MODEST LIFESTYLE TH              00:00:55.889 --> 00:00:55.922 line:6% align:center ABLE TO COVER THE LIFESTYLE      MODEST LIFESTYLE THAT            00:00:55.922 --> 00:00:58.058 line:6% align:center ABLE TO COVER THE LIFESTYLE      MODEST LIFESTYLE THAT            00:00:58.058 --> 00:00:58.091 line:6% align:center ABLE TO COVER THE LIFESTYLE      MODEST LIFESTYLE THAT TH         00:00:58.091 --> 00:00:58.124 line:6% align:center ABLE TO COVER THE LIFESTYLE      MODEST LIFESTYLE THAT THEY       00:00:58.124 --> 00:00:58.224 line:6% align:center ABLE TO COVER THE LIFESTYLE      MODEST LIFESTYLE THAT THEY       00:00:58.224 --> 00:00:58.358 line:6% align:center MODEST LIFESTYLE THAT THEY       00:00:58.358 --> 00:00:58.391 line:6% align:center MODEST LIFESTYLE THAT THEY       EX                               00:00:58.391 --> 00:00:58.425 line:6% align:center MODEST LIFESTYLE THAT THEY       EXPE                             00:00:58.425 --> 00:00:58.458 line:6% align:center MODEST LIFESTYLE THAT THEY       EXPECT                           00:00:58.458 --> 00:00:58.491 line:6% align:center MODEST LIFESTYLE THAT THEY       EXPECTED                         00:00:58.491 --> 00:00:59.893 line:6% align:center MODEST LIFESTYLE THAT THEY       EXPECTED                         00:00:59.893 --> 00:00:59.926 line:6% align:center MODEST LIFESTYLE THAT THEY       EXPECTED DI                      00:00:59.926 --> 00:00:59.959 line:6% align:center MODEST LIFESTYLE THAT THEY       EXPECTED DISS                    00:00:59.959 --> 00:00:59.993 line:6% align:center MODEST LIFESTYLE THAT THEY       EXPECTED DISSIP                  00:00:59.993 --> 00:01:00.026 line:6% align:center MODEST LIFESTYLE THAT THEY       EXPECTED DISSIPAT                00:01:00.026 --> 00:01:00.060 line:6% align:center MODEST LIFESTYLE THAT THEY       EXPECTED DISSIPATED              00:01:00.060 --> 00:01:02.028 line:6% align:center MODEST LIFESTYLE THAT THEY       EXPECTED DISSIPATED              00:01:02.028 --> 00:01:02.062 line:6% align:center MODEST LIFESTYLE THAT THEY       EXPECTED DISSIPATED EN           00:01:02.062 --> 00:01:02.095 line:6% align:center MODEST LIFESTYLE THAT THEY       EXPECTED DISSIPATED END.         00:01:02.095 --> 00:01:02.128 line:6% align:center MODEST LIFESTYLE THAT THEY       EXPECTED DISSIPATED END. I       00:01:02.128 --> 00:01:02.228 line:6% align:center MODEST LIFESTYLE THAT THEY       EXPECTED DISSIPATED END. IT      00:01:02.228 --> 00:01:02.362 line:6% align:center EXPECTED DISSIPATED END. IT      00:01:02.362 --> 00:01:02.395 line:6% align:center EXPECTED DISSIPATED END. IT      WI                               00:01:02.395 --> 00:01:02.429 line:6% align:center EXPECTED DISSIPATED END. IT      WILL                             00:01:02.429 --> 00:01:02.462 line:6% align:center EXPECTED DISSIPATED END. IT      WILL B                           00:01:02.462 --> 00:01:02.495 line:6% align:center EXPECTED DISSIPATED END. IT      WILL BE                          00:01:02.495 --> 00:01:02.529 line:6% align:center EXPECTED DISSIPATED END. IT      WILL BE AB                       00:01:02.529 --> 00:01:02.562 line:6% align:center EXPECTED DISSIPATED END. IT      WILL BE ABLE                     00:01:02.562 --> 00:01:02.595 line:6% align:center EXPECTED DISSIPATED END. IT      WILL BE ABLE T                   00:01:02.595 --> 00:01:03.930 line:6% align:center EXPECTED DISSIPATED END. IT      WILL BE ABLE TO                  00:01:03.930 --> 00:01:03.963 line:6% align:center EXPECTED DISSIPATED END. IT      WILL BE ABLE TO CO               00:01:03.963 --> 00:01:03.997 line:6% align:center EXPECTED DISSIPATED END. IT      WILL BE ABLE TO COVE             00:01:03.997 --> 00:01:04.097 line:6% align:center EXPECTED DISSIPATED END. IT      WILL BE ABLE TO COVER            00:01:04.097 --> 00:01:04.230 line:6% align:center WILL BE ABLE TO COVER            00:01:04.230 --> 00:01:04.264 line:6% align:center WILL BE ABLE TO COVER            UN                               00:01:04.264 --> 00:01:04.297 line:6% align:center WILL BE ABLE TO COVER            UNEX                             00:01:04.297 --> 00:01:04.330 line:6% align:center WILL BE ABLE TO COVER            UNEXPE                           00:01:04.330 --> 00:01:04.364 line:6% align:center WILL BE ABLE TO COVER            UNEXPECT                         00:01:04.364 --> 00:01:04.397 line:6% align:center WILL BE ABLE TO COVER            UNEXPECTED                       00:01:04.397 --> 00:01:04.731 line:6% align:center WILL BE ABLE TO COVER            UNEXPECTED                       00:01:04.731 --> 00:01:04.764 line:6% align:center WILL BE ABLE TO COVER            UNEXPECTED CO                    00:01:04.764 --> 00:01:04.798 line:6% align:center WILL BE ABLE TO COVER            UNEXPECTED COST                  00:01:04.798 --> 00:01:04.831 line:6% align:center WILL BE ABLE TO COVER            UNEXPECTED COSTS                 00:01:04.831 --> 00:01:04.864 line:6% align:center WILL BE ABLE TO COVER            UNEXPECTED COSTS LI              00:01:04.864 --> 00:01:04.898 line:6% align:center WILL BE ABLE TO COVER            UNEXPECTED COSTS LIKE            00:01:04.898 --> 00:01:04.931 line:6% align:center WILL BE ABLE TO COVER            UNEXPECTED COSTS LIKE R          00:01:04.931 --> 00:01:04.964 line:6% align:center WILL BE ABLE TO COVER            UNEXPECTED COSTS LIKE RAI        00:01:04.964 --> 00:01:04.998 line:6% align:center WILL BE ABLE TO COVER            UNEXPECTED COSTS LIKE RAISI      00:01:04.998 --> 00:01:05.031 line:6% align:center WILL BE ABLE TO COVER            UNEXPECTED COSTS LIKE RAISING    00:01:05.031 --> 00:01:05.899 line:6% align:center WILL BE ABLE TO COVER            UNEXPECTED COSTS LIKE RAISING    00:01:05.899 --> 00:01:06.032 line:6% align:center UNEXPECTED COSTS LIKE RAISING    00:01:06.032 --> 00:01:06.066 line:6% align:center UNEXPECTED COSTS LIKE RAISING    CA                               00:01:06.066 --> 00:01:06.099 line:6% align:center UNEXPECTED COSTS LIKE RAISING    CARE                             00:01:06.099 --> 00:01:06.132 line:6% align:center UNEXPECTED COSTS LIKE RAISING    CARE O                           00:01:06.132 --> 00:01:06.166 line:6% align:center UNEXPECTED COSTS LIKE RAISING    CARE OF                          00:01:06.166 --> 00:01:06.199 line:6% align:center UNEXPECTED COSTS LIKE RAISING    CARE OF LO                       00:01:06.199 --> 00:01:06.232 line:6% align:center UNEXPECTED COSTS LIKE RAISING    CARE OF LONG                     00:01:06.232 --> 00:01:06.266 line:6% align:center UNEXPECTED COSTS LIKE RAISING    CARE OF LONG-T                   00:01:06.266 --> 00:01:06.299 line:6% align:center UNEXPECTED COSTS LIKE RAISING    CARE OF LONG-TER                 00:01:06.299 --> 00:01:06.332 line:6% align:center UNEXPECTED COSTS LIKE RAISING    CARE OF LONG-TERM                00:01:06.332 --> 00:01:06.366 line:6% align:center UNEXPECTED COSTS LIKE RAISING    CARE OF LONG-TERM CA             00:01:06.366 --> 00:01:06.399 line:6% align:center UNEXPECTED COSTS LIKE RAISING    CARE OF LONG-TERM CARE           00:01:06.399 --> 00:01:06.433 line:6% align:center UNEXPECTED COSTS LIKE RAISING    CARE OF LONG-TERM CARE,          00:01:06.433 --> 00:01:06.466 line:6% align:center UNEXPECTED COSTS LIKE RAISING    CARE OF LONG-TERM CARE, WH       00:01:06.466 --> 00:01:06.499 line:6% align:center UNEXPECTED COSTS LIKE RAISING    CARE OF LONG-TERM CARE, WHIC     00:01:06.499 --> 00:01:06.966 line:6% align:center UNEXPECTED COSTS LIKE RAISING    CARE OF LONG-TERM CARE, WHICH    00:01:06.966 --> 00:01:07.100 line:6% align:center CARE OF LONG-TERM CARE, WHICH    00:01:07.100 --> 00:01:07.133 line:6% align:center CARE OF LONG-TERM CARE, WHICH    WE                               00:01:07.133 --> 00:01:07.167 line:6% align:center CARE OF LONG-TERM CARE, WHICH    WE K                             00:01:07.167 --> 00:01:07.200 line:6% align:center CARE OF LONG-TERM CARE, WHICH    WE KNO                           00:01:07.200 --> 00:01:07.233 line:6% align:center CARE OF LONG-TERM CARE, WHICH    WE KNOW                          00:01:07.233 --> 00:01:07.267 line:6% align:center CARE OF LONG-TERM CARE, WHICH    WE KNOW IS                       00:01:07.267 --> 00:01:07.901 line:6% align:center CARE OF LONG-TERM CARE, WHICH    WE KNOW IS                       00:01:07.901 --> 00:01:07.934 line:6% align:center CARE OF LONG-TERM CARE, WHICH    WE KNOW IS IM                    00:01:07.934 --> 00:01:07.967 line:6% align:center CARE OF LONG-TERM CARE, WHICH    WE KNOW IS IMPA                  00:01:07.967 --> 00:01:08.001 line:6% align:center CARE OF LONG-TERM CARE, WHICH    WE KNOW IS IMPACT                00:01:08.001 --> 00:01:08.034 line:6% align:center CARE OF LONG-TERM CARE, WHICH    WE KNOW IS IMPACTIN              00:01:08.034 --> 00:01:08.802 line:6% align:center CARE OF LONG-TERM CARE, WHICH    WE KNOW IS IMPACTING             00:01:08.802 --> 00:01:08.835 line:6% align:center CARE OF LONG-TERM CARE, WHICH    WE KNOW IS IMPACTING AB          00:01:08.835 --> 00:01:08.868 line:6% align:center CARE OF LONG-TERM CARE, WHICH    WE KNOW IS IMPACTING ABOU        00:01:08.868 --> 00:01:08.968 line:6% align:center CARE OF LONG-TERM CARE, WHICH    WE KNOW IS IMPACTING ABOUT       00:01:08.968 --> 00:01:09.002 line:6% align:center CARE OF LONG-TERM CARE, WHICH    WE KNOW IS IMPACTING ABOUT 50    00:01:09.002 --> 00:01:09.636 line:6% align:center CARE OF LONG-TERM CARE, WHICH    WE KNOW IS IMPACTING ABOUT 50%   00:01:09.636 --> 00:01:09.769 line:6% align:center WE KNOW IS IMPACTING ABOUT 50%   00:01:09.769 --> 00:01:09.803 line:6% align:center WE KNOW IS IMPACTING ABOUT 50%   OV                               00:01:09.803 --> 00:01:09.836 line:6% align:center WE KNOW IS IMPACTING ABOUT 50%   OVER                             00:01:09.836 --> 00:01:09.869 line:6% align:center WE KNOW IS IMPACTING ABOUT 50%   OVER C                           00:01:09.869 --> 00:01:09.903 line:6% align:center WE KNOW IS IMPACTING ABOUT 50%   OVER CAN                         00:01:09.903 --> 00:01:09.936 line:6% align:center WE KNOW IS IMPACTING ABOUT 50%   OVER CANAD                       00:01:09.936 --> 00:01:09.969 line:6% align:center WE KNOW IS IMPACTING ABOUT 50%   OVER CANADIA                     00:01:09.969 --> 00:01:10.003 line:6% align:center WE KNOW IS IMPACTING ABOUT 50%   OVER CANADIAN                    00:01:10.003 --> 00:01:10.036 line:6% align:center WE KNOW IS IMPACTING ABOUT 50%   OVER CANADIAN SE                 00:01:10.036 --> 00:01:10.070 line:6% align:center WE KNOW IS IMPACTING ABOUT 50%   OVER CANADIAN SENI               00:01:10.070 --> 00:01:10.103 line:6% align:center WE KNOW IS IMPACTING ABOUT 50%   OVER CANADIAN SENIOR             00:01:10.103 --> 00:01:10.136 line:6% align:center WE KNOW IS IMPACTING ABOUT 50%   OVER CANADIAN SENIORS            00:01:10.136 --> 00:01:10.170 line:6% align:center WE KNOW IS IMPACTING ABOUT 50%   OVER CANADIAN SENIORS TO         00:01:10.170 --> 00:01:10.203 line:6% align:center WE KNOW IS IMPACTING ABOUT 50%   OVER CANADIAN SENIORS TODA       00:01:10.203 --> 00:01:10.303 line:6% align:center WE KNOW IS IMPACTING ABOUT 50%   OVER CANADIAN SENIORS TODAY      00:01:10.303 --> 00:01:10.437 line:6% align:center OVER CANADIAN SENIORS TODAY      00:01:10.437 --> 00:01:10.470 line:6% align:center OVER CANADIAN SENIORS TODAY      OV                               00:01:10.470 --> 00:01:10.503 line:6% align:center OVER CANADIAN SENIORS TODAY      OVER                             00:01:10.503 --> 00:01:11.671 line:6% align:center OVER CANADIAN SENIORS TODAY      OVER                             00:01:11.671 --> 00:01:11.704 line:6% align:center OVER CANADIAN SENIORS TODAY      OVER 75                          00:01:11.704 --> 00:01:11.738 line:6% align:center OVER CANADIAN SENIORS TODAY      OVER 75 Y                        00:01:11.738 --> 00:01:11.771 line:6% align:center OVER CANADIAN SENIORS TODAY      OVER 75 YEA                      00:01:11.771 --> 00:01:11.805 line:6% align:center OVER CANADIAN SENIORS TODAY      OVER 75 YEARS                    00:01:11.805 --> 00:01:11.838 line:6% align:center OVER CANADIAN SENIORS TODAY      OVER 75 YEARS O                  00:01:11.838 --> 00:01:11.871 line:6% align:center OVER CANADIAN SENIORS TODAY      OVER 75 YEARS OLD                00:01:11.871 --> 00:01:12.705 line:6% align:center OVER CANADIAN SENIORS TODAY      OVER 75 YEARS OLD.               00:01:12.705 --> 00:01:12.839 line:6% align:center OVER 75 YEARS OLD.               00:01:12.839 --> 00:01:12.872 line:6% align:center OVER 75 YEARS OLD.               >>                               00:01:12.872 --> 00:01:12.906 line:6% align:center OVER 75 YEARS OLD.               >> S                             00:01:12.906 --> 00:01:12.939 line:6% align:center OVER 75 YEARS OLD.               >> SO                            00:01:12.939 --> 00:01:12.972 line:6% align:center OVER 75 YEARS OLD.               >> SO HO                         00:01:12.972 --> 00:01:13.006 line:6% align:center OVER 75 YEARS OLD.               >> SO HOW                        00:01:13.006 --> 00:01:13.039 line:6% align:center OVER 75 YEARS OLD.               >> SO HOW DO                     00:01:13.039 --> 00:01:13.073 line:6% align:center OVER 75 YEARS OLD.               >> SO HOW DO Y                   00:01:13.073 --> 00:01:13.106 line:6% align:center OVER 75 YEARS OLD.               >> SO HOW DO YOU                 00:01:13.106 --> 00:01:13.540 line:6% align:center OVER 75 YEARS OLD.               >> SO HOW DO YOU                 00:01:13.540 --> 00:01:13.573 line:6% align:center OVER 75 YEARS OLD.               >> SO HOW DO YOU KN              00:01:13.573 --> 00:01:13.606 line:6% align:center OVER 75 YEARS OLD.               >> SO HOW DO YOU KNOW            00:01:13.606 --> 00:01:13.640 line:6% align:center OVER 75 YEARS OLD.               >> SO HOW DO YOU KNOW I          00:01:13.640 --> 00:01:13.673 line:6% align:center OVER 75 YEARS OLD.               >> SO HOW DO YOU KNOW IF         00:01:13.673 --> 00:01:13.706 line:6% align:center OVER 75 YEARS OLD.               >> SO HOW DO YOU KNOW IF YO      00:01:13.706 --> 00:01:13.807 line:6% align:center OVER 75 YEARS OLD.               >> SO HOW DO YOU KNOW IF YOU     00:01:13.807 --> 00:01:13.940 line:6% align:center >> SO HOW DO YOU KNOW IF YOU     00:01:13.940 --> 00:01:13.973 line:6% align:center >> SO HOW DO YOU KNOW IF YOU     AR                               00:01:13.973 --> 00:01:14.007 line:6% align:center >> SO HOW DO YOU KNOW IF YOU     ARE                              00:01:14.007 --> 00:01:14.040 line:6% align:center >> SO HOW DO YOU KNOW IF YOU     ARE RE                           00:01:14.040 --> 00:01:14.074 line:6% align:center >> SO HOW DO YOU KNOW IF YOU     ARE READ                         00:01:14.074 --> 00:01:14.107 line:6% align:center >> SO HOW DO YOU KNOW IF YOU     ARE READY                        00:01:14.107 --> 00:01:14.140 line:6% align:center >> SO HOW DO YOU KNOW IF YOU     ARE READY FO                     00:01:14.140 --> 00:01:14.574 line:6% align:center >> SO HOW DO YOU KNOW IF YOU     ARE READY FOR                    00:01:14.574 --> 00:01:14.607 line:6% align:center >> SO HOW DO YOU KNOW IF YOU     ARE READY FOR TH                 00:01:14.607 --> 00:01:14.641 line:6% align:center >> SO HOW DO YOU KNOW IF YOU     ARE READY FOR THAT               00:01:14.641 --> 00:01:14.674 line:6% align:center >> SO HOW DO YOU KNOW IF YOU     ARE READY FOR THAT O             00:01:14.674 --> 00:01:14.707 line:6% align:center >> SO HOW DO YOU KNOW IF YOU     ARE READY FOR THAT OR            00:01:14.707 --> 00:01:14.741 line:6% align:center >> SO HOW DO YOU KNOW IF YOU     ARE READY FOR THAT OR NO         00:01:14.741 --> 00:01:14.774 line:6% align:center >> SO HOW DO YOU KNOW IF YOU     ARE READY FOR THAT OR NOT?       00:01:14.774 --> 00:01:14.808 line:6% align:center >> SO HOW DO YOU KNOW IF YOU     ARE READY FOR THAT OR NOT? I     00:01:14.808 --> 00:01:15.708 line:6% align:center >> SO HOW DO YOU KNOW IF YOU     ARE READY FOR THAT OR NOT? I     00:01:15.708 --> 00:01:15.842 line:6% align:center ARE READY FOR THAT OR NOT? I     00:01:15.842 --> 00:01:15.875 line:6% align:center ARE READY FOR THAT OR NOT? I     ME                               00:01:15.875 --> 00:01:15.909 line:6% align:center ARE READY FOR THAT OR NOT? I     MEAN                             00:01:15.909 --> 00:01:15.942 line:6% align:center ARE READY FOR THAT OR NOT? I     MEAN,                            00:01:15.942 --> 00:01:15.975 line:6% align:center ARE READY FOR THAT OR NOT? I     MEAN, I                          00:01:15.975 --> 00:01:16.009 line:6% align:center ARE READY FOR THAT OR NOT? I     MEAN, I GU                       00:01:16.009 --> 00:01:16.042 line:6% align:center ARE READY FOR THAT OR NOT? I     MEAN, I GUES                     00:01:16.042 --> 00:01:16.076 line:6% align:center ARE READY FOR THAT OR NOT? I     MEAN, I GUESS                    00:01:16.076 --> 00:01:16.109 line:6% align:center ARE READY FOR THAT OR NOT? I     MEAN, I GUESS TH                 00:01:16.109 --> 00:01:16.142 line:6% align:center ARE READY FOR THAT OR NOT? I     MEAN, I GUESS THAT               00:01:16.142 --> 00:01:16.643 line:6% align:center ARE READY FOR THAT OR NOT? I     MEAN, I GUESS THAT               00:01:16.643 --> 00:01:16.676 line:6% align:center ARE READY FOR THAT OR NOT? I     MEAN, I GUESS THAT PA            00:01:16.676 --> 00:01:16.709 line:6% align:center ARE READY FOR THAT OR NOT? I     MEAN, I GUESS THAT PART          00:01:16.709 --> 00:01:16.743 line:6% align:center ARE READY FOR THAT OR NOT? I     MEAN, I GUESS THAT PARTLY        00:01:16.743 --> 00:01:16.843 line:6% align:center ARE READY FOR THAT OR NOT? I     MEAN, I GUESS THAT PARTLY        00:01:16.843 --> 00:01:16.976 line:6% align:center MEAN, I GUESS THAT PARTLY        00:01:16.976 --> 00:01:17.010 line:6% align:center MEAN, I GUESS THAT PARTLY        LE                               00:01:17.010 --> 00:01:17.043 line:6% align:center MEAN, I GUESS THAT PARTLY        LEAD                             00:01:17.043 --> 00:01:17.077 line:6% align:center MEAN, I GUESS THAT PARTLY        LEADS                            00:01:17.077 --> 00:01:17.110 line:6% align:center MEAN, I GUESS THAT PARTLY        LEADS TO                         00:01:17.110 --> 00:01:17.677 line:6% align:center MEAN, I GUESS THAT PARTLY        LEADS TO                         00:01:17.677 --> 00:01:17.710 line:6% align:center MEAN, I GUESS THAT PARTLY        LEADS TO SO                      00:01:17.710 --> 00:01:17.744 line:6% align:center MEAN, I GUESS THAT PARTLY        LEADS TO SOME                    00:01:17.744 --> 00:01:17.777 line:6% align:center MEAN, I GUESS THAT PARTLY        LEADS TO SOME O                  00:01:17.777 --> 00:01:17.811 line:6% align:center MEAN, I GUESS THAT PARTLY        LEADS TO SOME OF                 00:01:17.811 --> 00:01:17.844 line:6% align:center MEAN, I GUESS THAT PARTLY        LEADS TO SOME OF TH              00:01:17.844 --> 00:01:18.611 line:6% align:center MEAN, I GUESS THAT PARTLY        LEADS TO SOME OF THE             00:01:18.611 --> 00:01:18.645 line:6% align:center MEAN, I GUESS THAT PARTLY        LEADS TO SOME OF THE SO          00:01:18.645 --> 00:01:18.678 line:6% align:center MEAN, I GUESS THAT PARTLY        LEADS TO SOME OF THE SOLU        00:01:18.678 --> 00:01:18.711 line:6% align:center MEAN, I GUESS THAT PARTLY        LEADS TO SOME OF THE SOLUTI      00:01:18.711 --> 00:01:18.745 line:6% align:center MEAN, I GUESS THAT PARTLY        LEADS TO SOME OF THE SOLUTION    00:01:18.745 --> 00:01:18.845 line:6% align:center MEAN, I GUESS THAT PARTLY        LEADS TO SOME OF THE SOLUTIONS   00:01:18.845 --> 00:01:18.978 line:6% align:center LEADS TO SOME OF THE SOLUTIONS   00:01:18.978 --> 00:01:19.012 line:6% align:center LEADS TO SOME OF THE SOLUTIONS   TH                               00:01:19.012 --> 00:01:19.045 line:6% align:center LEADS TO SOME OF THE SOLUTIONS   THAT                             00:01:19.045 --> 00:01:19.079 line:6% align:center LEADS TO SOME OF THE SOLUTIONS   THAT Y                           00:01:19.079 --> 00:01:19.112 line:6% align:center LEADS TO SOME OF THE SOLUTIONS   THAT YOU                         00:01:19.112 --> 00:01:19.145 line:6% align:center LEADS TO SOME OF THE SOLUTIONS   THAT YOU'R                       00:01:19.145 --> 00:01:19.179 line:6% align:center LEADS TO SOME OF THE SOLUTIONS   THAT YOU'RE                      00:01:19.179 --> 00:01:19.212 line:6% align:center LEADS TO SOME OF THE SOLUTIONS   THAT YOU'RE LO                   00:01:19.212 --> 00:01:19.245 line:6% align:center LEADS TO SOME OF THE SOLUTIONS   THAT YOU'RE LOOK                 00:01:19.245 --> 00:01:19.279 line:6% align:center LEADS TO SOME OF THE SOLUTIONS   THAT YOU'RE LOOKIN               00:01:19.279 --> 00:01:19.312 line:6% align:center LEADS TO SOME OF THE SOLUTIONS   THAT YOU'RE LOOKING              00:01:19.312 --> 00:01:19.345 line:6% align:center LEADS TO SOME OF THE SOLUTIONS   THAT YOU'RE LOOKING AT           00:01:19.345 --> 00:01:19.379 line:6% align:center LEADS TO SOME OF THE SOLUTIONS   THAT YOU'RE LOOKING AT I         00:01:19.379 --> 00:01:19.412 line:6% align:center LEADS TO SOME OF THE SOLUTIONS   THAT YOU'RE LOOKING AT IS        00:01:19.412 --> 00:01:19.446 line:6% align:center LEADS TO SOME OF THE SOLUTIONS   THAT YOU'RE LOOKING AT IS IS     00:01:19.446 --> 00:01:19.546 line:6% align:center LEADS TO SOME OF THE SOLUTIONS   THAT YOU'RE LOOKING AT IS IS     00:01:19.546 --> 00:01:19.679 line:6% align:center THAT YOU'RE LOOKING AT IS IS     00:01:19.679 --> 00:01:19.712 line:6% align:center THAT YOU'RE LOOKING AT IS IS     ON                               00:01:19.712 --> 00:01:19.746 line:6% align:center THAT YOU'RE LOOKING AT IS IS     ON T                             00:01:19.746 --> 00:01:19.779 line:6% align:center THAT YOU'RE LOOKING AT IS IS     ON THE                           00:01:19.779 --> 00:01:19.813 line:6% align:center THAT YOU'RE LOOKING AT IS IS     ON THE                           00:01:19.813 --> 00:01:19.846 line:6% align:center THAT YOU'RE LOOKING AT IS IS     ON THE KN                        00:01:19.846 --> 00:01:19.879 line:6% align:center THAT YOU'RE LOOKING AT IS IS     ON THE KNOW                      00:01:19.879 --> 00:01:19.913 line:6% align:center THAT YOU'RE LOOKING AT IS IS     ON THE KNOWLE                    00:01:19.913 --> 00:01:19.946 line:6% align:center THAT YOU'RE LOOKING AT IS IS     ON THE KNOWLEDG                  00:01:19.946 --> 00:01:19.979 line:6% align:center THAT YOU'RE LOOKING AT IS IS     ON THE KNOWLEDGE                 00:01:19.979 --> 00:01:20.013 line:6% align:center THAT YOU'RE LOOKING AT IS IS     ON THE KNOWLEDGE SI              00:01:20.013 --> 00:01:20.046 line:6% align:center THAT YOU'RE LOOKING AT IS IS     ON THE KNOWLEDGE SIDE            00:01:20.046 --> 00:01:20.080 line:6% align:center THAT YOU'RE LOOKING AT IS IS     ON THE KNOWLEDGE SIDE O          00:01:20.080 --> 00:01:20.180 line:6% align:center THAT YOU'RE LOOKING AT IS IS     ON THE KNOWLEDGE SIDE OF         00:01:20.180 --> 00:01:20.313 line:6% align:center ON THE KNOWLEDGE SIDE OF         00:01:20.313 --> 00:01:20.346 line:6% align:center ON THE KNOWLEDGE SIDE OF         TH                               00:01:20.346 --> 00:01:20.380 line:6% align:center ON THE KNOWLEDGE SIDE OF         THIN                             00:01:20.380 --> 00:01:20.413 line:6% align:center ON THE KNOWLEDGE SIDE OF         THINGS                           00:01:20.413 --> 00:01:20.447 line:6% align:center ON THE KNOWLEDGE SIDE OF         THINGS.                          00:01:20.447 --> 00:01:20.480 line:6% align:center ON THE KNOWLEDGE SIDE OF         THINGS. TH                       00:01:20.480 --> 00:01:21.214 line:6% align:center ON THE KNOWLEDGE SIDE OF         THINGS. THE                      00:01:21.214 --> 00:01:21.247 line:6% align:center ON THE KNOWLEDGE SIDE OF         THINGS. THE KN                   00:01:21.247 --> 00:01:21.281 line:6% align:center ON THE KNOWLEDGE SIDE OF         THINGS. THE KNOW                 00:01:21.281 --> 00:01:21.314 line:6% align:center ON THE KNOWLEDGE SIDE OF         THINGS. THE KNOWLE               00:01:21.314 --> 00:01:21.347 line:6% align:center ON THE KNOWLEDGE SIDE OF         THINGS. THE KNOWLEDG             00:01:21.347 --> 00:01:21.381 line:6% align:center ON THE KNOWLEDGE SIDE OF         THINGS. THE KNOWLEDGE            00:01:21.381 --> 00:01:21.414 line:6% align:center ON THE KNOWLEDGE SIDE OF         THINGS. THE KNOWLEDGE GA         00:01:21.414 --> 00:01:23.249 line:6% align:center ON THE KNOWLEDGE SIDE OF         THINGS. THE KNOWLEDGE GAP        00:01:23.249 --> 00:01:23.283 line:6% align:center ON THE KNOWLEDGE SIDE OF         THINGS. THE KNOWLEDGE GAP BU     00:01:23.283 --> 00:01:23.383 line:6% align:center ON THE KNOWLEDGE SIDE OF         THINGS. THE KNOWLEDGE GAP BUT    00:01:23.383 --> 00:01:23.516 line:6% align:center THINGS. THE KNOWLEDGE GAP BUT    00:01:23.516 --> 00:01:23.550 line:6% align:center THINGS. THE KNOWLEDGE GAP BUT    WH                               00:01:23.550 --> 00:01:23.583 line:6% align:center THINGS. THE KNOWLEDGE GAP BUT    WHAT                             00:01:23.583 --> 00:01:23.616 line:6% align:center THINGS. THE KNOWLEDGE GAP BUT    WHAT D                           00:01:23.616 --> 00:01:23.650 line:6% align:center THINGS. THE KNOWLEDGE GAP BUT    WHAT DOE                         00:01:23.650 --> 00:01:23.683 line:6% align:center THINGS. THE KNOWLEDGE GAP BUT    WHAT DOES                        00:01:23.683 --> 00:01:23.716 line:6% align:center THINGS. THE KNOWLEDGE GAP BUT    WHAT DOES IT                     00:01:23.716 --> 00:01:23.750 line:6% align:center THINGS. THE KNOWLEDGE GAP BUT    WHAT DOES IT,                    00:01:23.750 --> 00:01:23.783 line:6% align:center THINGS. THE KNOWLEDGE GAP BUT    WHAT DOES IT, YO                 00:01:23.783 --> 00:01:24.350 line:6% align:center THINGS. THE KNOWLEDGE GAP BUT    WHAT DOES IT, YOU                00:01:24.350 --> 00:01:24.384 line:6% align:center THINGS. THE KNOWLEDGE GAP BUT    WHAT DOES IT, YOU KN             00:01:24.384 --> 00:01:24.417 line:6% align:center THINGS. THE KNOWLEDGE GAP BUT    WHAT DOES IT, YOU KNOW           00:01:24.417 --> 00:01:24.517 line:6% align:center THINGS. THE KNOWLEDGE GAP BUT    WHAT DOES IT, YOU KNOW,          00:01:24.517 --> 00:01:24.651 line:6% align:center WHAT DOES IT, YOU KNOW,          00:01:24.651 --> 00:01:24.684 line:6% align:center WHAT DOES IT, YOU KNOW,          DO                               00:01:24.684 --> 00:01:24.717 line:6% align:center WHAT DOES IT, YOU KNOW,          DOLL                             00:01:24.717 --> 00:01:24.751 line:6% align:center WHAT DOES IT, YOU KNOW,          DOLLAR                           00:01:24.751 --> 00:01:24.784 line:6% align:center WHAT DOES IT, YOU KNOW,          DOLLARS                          00:01:24.784 --> 00:01:24.818 line:6% align:center WHAT DOES IT, YOU KNOW,          DOLLARS AN                       00:01:24.818 --> 00:01:25.251 line:6% align:center WHAT DOES IT, YOU KNOW,          DOLLARS AND                      00:01:25.251 --> 00:01:25.285 line:6% align:center WHAT DOES IT, YOU KNOW,          DOLLARS AND CE                   00:01:25.285 --> 00:01:25.318 line:6% align:center WHAT DOES IT, YOU KNOW,          DOLLARS AND CENT                 00:01:25.318 --> 00:01:25.351 line:6% align:center WHAT DOES IT, YOU KNOW,          DOLLARS AND CENTS                00:01:25.351 --> 00:01:25.385 line:6% align:center WHAT DOES IT, YOU KNOW,          DOLLARS AND CENTS WI             00:01:25.385 --> 00:01:25.418 line:6% align:center WHAT DOES IT, YOU KNOW,          DOLLARS AND CENTS WISE           00:01:25.418 --> 00:01:26.286 line:6% align:center WHAT DOES IT, YOU KNOW,          DOLLARS AND CENTS WISE           00:01:26.286 --> 00:01:26.319 line:6% align:center WHAT DOES IT, YOU KNOW,          DOLLARS AND CENTS WISE LO        00:01:26.319 --> 00:01:26.352 line:6% align:center WHAT DOES IT, YOU KNOW,          DOLLARS AND CENTS WISE LOOK      00:01:26.352 --> 00:01:26.453 line:6% align:center WHAT DOES IT, YOU KNOW,          DOLLARS AND CENTS WISE LOOK      00:01:26.453 --> 00:01:26.586 line:6% align:center DOLLARS AND CENTS WISE LOOK      00:01:26.586 --> 00:01:26.619 line:6% align:center DOLLARS AND CENTS WISE LOOK      LI                               00:01:26.619 --> 00:01:26.653 line:6% align:center DOLLARS AND CENTS WISE LOOK      LIKE                             00:01:26.653 --> 00:01:26.686 line:6% align:center DOLLARS AND CENTS WISE LOOK      LIKE T                           00:01:26.686 --> 00:01:26.719 line:6% align:center DOLLARS AND CENTS WISE LOOK      LIKE TO                          00:01:26.719 --> 00:01:26.753 line:6% align:center DOLLARS AND CENTS WISE LOOK      LIKE TO BE                       00:01:26.753 --> 00:01:26.786 line:6% align:center DOLLARS AND CENTS WISE LOOK      LIKE TO BE                       00:01:26.786 --> 00:01:26.820 line:6% align:center DOLLARS AND CENTS WISE LOOK      LIKE TO BE RE                    00:01:26.820 --> 00:01:26.853 line:6% align:center DOLLARS AND CENTS WISE LOOK      LIKE TO BE READ                  00:01:26.853 --> 00:01:26.886 line:6% align:center DOLLARS AND CENTS WISE LOOK      LIKE TO BE READY                 00:01:26.886 --> 00:01:26.920 line:6% align:center DOLLARS AND CENTS WISE LOOK      LIKE TO BE READY FO              00:01:26.920 --> 00:01:27.220 line:6% align:center DOLLARS AND CENTS WISE LOOK      LIKE TO BE READY FOR             00:01:27.220 --> 00:01:27.253 line:6% align:center DOLLARS AND CENTS WISE LOOK      LIKE TO BE READY FOR TH          00:01:27.253 --> 00:01:27.287 line:6% align:center DOLLARS AND CENTS WISE LOOK      LIKE TO BE READY FOR THAT        00:01:27.287 --> 00:01:27.320 line:6% align:center DOLLARS AND CENTS WISE LOOK      LIKE TO BE READY FOR THAT S      00:01:27.320 --> 00:01:27.353 line:6% align:center DOLLARS AND CENTS WISE LOOK      LIKE TO BE READY FOR THAT SOR    00:01:27.353 --> 00:01:29.322 line:6% align:center DOLLARS AND CENTS WISE LOOK      LIKE TO BE READY FOR THAT SORT   00:01:29.322 --> 00:01:29.456 line:6% align:center LIKE TO BE READY FOR THAT SORT   00:01:29.456 --> 00:01:29.489 line:6% align:center LIKE TO BE READY FOR THAT SORT   TH                               00:01:29.489 --> 00:01:29.522 line:6% align:center LIKE TO BE READY FOR THAT SORT   THOS                             00:01:29.522 --> 00:01:29.556 line:6% align:center LIKE TO BE READY FOR THAT SORT   THOSE                            00:01:29.556 --> 00:01:29.589 line:6% align:center LIKE TO BE READY FOR THAT SORT   THOSE SO                         00:01:29.589 --> 00:01:29.622 line:6% align:center LIKE TO BE READY FOR THAT SORT   THOSE SORT                       00:01:29.622 --> 00:01:30.023 line:6% align:center LIKE TO BE READY FOR THAT SORT   THOSE SORT                       00:01:30.023 --> 00:01:30.056 line:6% align:center LIKE TO BE READY FOR THAT SORT   THOSE SORT OF                    00:01:30.056 --> 00:01:30.090 line:6% align:center LIKE TO BE READY FOR THAT SORT   THOSE SORT OF C                  00:01:30.090 --> 00:01:30.123 line:6% align:center LIKE TO BE READY FOR THAT SORT   THOSE SORT OF COM                00:01:30.123 --> 00:01:30.156 line:6% align:center LIKE TO BE READY FOR THAT SORT   THOSE SORT OF COMPL              00:01:30.156 --> 00:01:30.190 line:6% align:center LIKE TO BE READY FOR THAT SORT   THOSE SORT OF COMPLIC            00:01:30.190 --> 00:01:30.223 line:6% align:center LIKE TO BE READY FOR THAT SORT   THOSE SORT OF COMPLICAT          00:01:30.223 --> 00:01:30.256 line:6% align:center LIKE TO BE READY FOR THAT SORT   THOSE SORT OF COMPLICATIO        00:01:30.256 --> 00:01:30.290 line:6% align:center LIKE TO BE READY FOR THAT SORT   THOSE SORT OF COMPLICATIONS      00:01:30.290 --> 00:01:30.390 line:6% align:center LIKE TO BE READY FOR THAT SORT   THOSE SORT OF COMPLICATIONS      00:01:30.390 --> 00:01:30.523 line:6% align:center THOSE SORT OF COMPLICATIONS      00:01:30.523 --> 00:01:30.557 line:6% align:center THOSE SORT OF COMPLICATIONS      AN                               00:01:30.557 --> 00:01:30.590 line:6% align:center THOSE SORT OF COMPLICATIONS      AND                              00:01:30.590 --> 00:01:30.623 line:6% align:center THOSE SORT OF COMPLICATIONS      AND AN                           00:01:30.623 --> 00:01:30.657 line:6% align:center THOSE SORT OF COMPLICATIONS      AND AND                          00:01:30.657 --> 00:01:30.690 line:6% align:center THOSE SORT OF COMPLICATIONS      AND AND NE                       00:01:30.690 --> 00:01:30.723 line:6% align:center THOSE SORT OF COMPLICATIONS      AND AND NEED                     00:01:30.723 --> 00:01:30.757 line:6% align:center THOSE SORT OF COMPLICATIONS      AND AND NEEDS                    00:01:30.757 --> 00:01:30.790 line:6% align:center THOSE SORT OF COMPLICATIONS      AND AND NEEDS TH                 00:01:30.790 --> 00:01:30.824 line:6% align:center THOSE SORT OF COMPLICATIONS      AND AND NEEDS THAT               00:01:30.824 --> 00:01:30.857 line:6% align:center THOSE SORT OF COMPLICATIONS      AND AND NEEDS THAT Y             00:01:30.857 --> 00:01:30.890 line:6% align:center THOSE SORT OF COMPLICATIONS      AND AND NEEDS THAT YOU           00:01:30.890 --> 00:01:30.924 line:6% align:center THOSE SORT OF COMPLICATIONS      AND AND NEEDS THAT YOU           00:01:30.924 --> 00:01:30.957 line:6% align:center THOSE SORT OF COMPLICATIONS      AND AND NEEDS THAT YOU MI        00:01:30.957 --> 00:01:30.990 line:6% align:center THOSE SORT OF COMPLICATIONS      AND AND NEEDS THAT YOU MIGH      00:01:30.990 --> 00:01:31.091 line:6% align:center THOSE SORT OF COMPLICATIONS      AND AND NEEDS THAT YOU MIGHT     00:01:31.091 --> 00:01:31.224 line:6% align:center AND AND NEEDS THAT YOU MIGHT     00:01:31.224 --> 00:01:31.257 line:6% align:center AND AND NEEDS THAT YOU MIGHT     HA                               00:01:31.257 --> 00:01:31.291 line:6% align:center AND AND NEEDS THAT YOU MIGHT     HAPP                             00:01:31.291 --> 00:01:31.324 line:6% align:center AND AND NEEDS THAT YOU MIGHT     HAPPEN                           00:01:31.324 --> 00:01:31.357 line:6% align:center AND AND NEEDS THAT YOU MIGHT     HAPPEN Y                         00:01:31.357 --> 00:01:31.391 line:6% align:center AND AND NEEDS THAT YOU MIGHT     HAPPEN YOU                       00:01:31.391 --> 00:01:31.424 line:6% align:center AND AND NEEDS THAT YOU MIGHT     HAPPEN YOUR                      00:01:31.424 --> 00:01:31.458 line:6% align:center AND AND NEEDS THAT YOU MIGHT     HAPPEN YOUR OL                   00:01:31.458 --> 00:01:31.491 line:6% align:center AND AND NEEDS THAT YOU MIGHT     HAPPEN YOUR OLDE                 00:01:31.491 --> 00:01:31.524 line:6% align:center AND AND NEEDS THAT YOU MIGHT     HAPPEN YOUR OLDER                00:01:31.524 --> 00:01:31.558 line:6% align:center AND AND NEEDS THAT YOU MIGHT     HAPPEN YOUR OLDER YE             00:01:31.558 --> 00:01:31.591 line:6% align:center AND AND NEEDS THAT YOU MIGHT     HAPPEN YOUR OLDER YEAR           00:01:31.591 --> 00:01:31.624 line:6% align:center AND AND NEEDS THAT YOU MIGHT     HAPPEN YOUR OLDER YEARS.         00:01:31.624 --> 00:01:34.561 line:6% align:center AND AND NEEDS THAT YOU MIGHT     HAPPEN YOUR OLDER YEARS.         00:01:34.561 --> 00:01:34.694 line:6% align:center HAPPEN YOUR OLDER YEARS.         00:01:34.694 --> 00:01:34.727 line:6% align:center HAPPEN YOUR OLDER YEARS.         >>                               00:01:34.727 --> 00:01:34.761 line:6% align:center HAPPEN YOUR OLDER YEARS.         >> Y                             00:01:34.761 --> 00:01:34.794 line:6% align:center HAPPEN YOUR OLDER YEARS.         >> YEA                           00:01:34.794 --> 00:01:34.828 line:6% align:center HAPPEN YOUR OLDER YEARS.         >> YEAH,                         00:01:34.828 --> 00:01:34.861 line:6% align:center HAPPEN YOUR OLDER YEARS.         >> YEAH,                         00:01:34.861 --> 00:01:34.894 line:6% align:center HAPPEN YOUR OLDER YEARS.         >> YEAH, AB                      00:01:34.894 --> 00:01:34.928 line:6% align:center HAPPEN YOUR OLDER YEARS.         >> YEAH, ABSO                    00:01:34.928 --> 00:01:34.961 line:6% align:center HAPPEN YOUR OLDER YEARS.         >> YEAH, ABSOLU                  00:01:34.961 --> 00:01:34.994 line:6% align:center HAPPEN YOUR OLDER YEARS.         >> YEAH, ABSOLUTE                00:01:34.994 --> 00:01:35.028 line:6% align:center HAPPEN YOUR OLDER YEARS.         >> YEAH, ABSOLUTELY              00:01:35.028 --> 00:01:35.562 line:6% align:center HAPPEN YOUR OLDER YEARS.         >> YEAH, ABSOLUTELY.             00:01:35.562 --> 00:01:35.595 line:6% align:center HAPPEN YOUR OLDER YEARS.         >> YEAH, ABSOLUTELY. SO          00:01:35.595 --> 00:01:35.628 line:6% align:center HAPPEN YOUR OLDER YEARS.         >> YEAH, ABSOLUTELY. SO T        00:01:35.628 --> 00:01:35.728 line:6% align:center HAPPEN YOUR OLDER YEARS.         >> YEAH, ABSOLUTELY. SO TO       00:01:35.728 --> 00:01:35.862 line:6% align:center >> YEAH, ABSOLUTELY. SO TO       00:01:35.862 --> 00:01:35.895 line:6% align:center >> YEAH, ABSOLUTELY. SO TO       LI                               00:01:35.895 --> 00:01:35.929 line:6% align:center >> YEAH, ABSOLUTELY. SO TO       LIVE                             00:01:35.929 --> 00:01:35.962 line:6% align:center >> YEAH, ABSOLUTELY. SO TO       LIVE A                           00:01:35.962 --> 00:01:35.995 line:6% align:center >> YEAH, ABSOLUTELY. SO TO       LIVE A S                         00:01:35.995 --> 00:01:36.029 line:6% align:center >> YEAH, ABSOLUTELY. SO TO       LIVE A SEE                       00:01:36.029 --> 00:01:36.362 line:6% align:center >> YEAH, ABSOLUTELY. SO TO       LIVE A SEE                       00:01:36.362 --> 00:01:36.396 line:6% align:center >> YEAH, ABSOLUTELY. SO TO       LIVE A SEE A                     00:01:36.396 --> 00:01:36.429 line:6% align:center >> YEAH, ABSOLUTELY. SO TO       LIVE A SEE A MO                  00:01:36.429 --> 00:01:36.463 line:6% align:center >> YEAH, ABSOLUTELY. SO TO       LIVE A SEE A MODE                00:01:36.463 --> 00:01:36.496 line:6% align:center >> YEAH, ABSOLUTELY. SO TO       LIVE A SEE A MODEST              00:01:36.496 --> 00:01:36.529 line:6% align:center >> YEAH, ABSOLUTELY. SO TO       LIVE A SEE A MODEST L            00:01:36.529 --> 00:01:36.563 line:6% align:center >> YEAH, ABSOLUTELY. SO TO       LIVE A SEE A MODEST LIF          00:01:36.563 --> 00:01:36.596 line:6% align:center >> YEAH, ABSOLUTELY. SO TO       LIVE A SEE A MODEST LIFES        00:01:36.596 --> 00:01:36.629 line:6% align:center >> YEAH, ABSOLUTELY. SO TO       LIVE A SEE A MODEST LIFESTY      00:01:36.629 --> 00:01:36.663 line:6% align:center >> YEAH, ABSOLUTELY. SO TO       LIVE A SEE A MODEST LIFESTYLE    00:01:36.663 --> 00:01:37.530 line:6% align:center >> YEAH, ABSOLUTELY. SO TO       LIVE A SEE A MODEST LIFESTYLE,   00:01:37.530 --> 00:01:37.664 line:6% align:center LIVE A SEE A MODEST LIFESTYLE,   00:01:37.664 --> 00:01:37.697 line:6% align:center LIVE A SEE A MODEST LIFESTYLE,   WH                               00:01:37.697 --> 00:01:37.730 line:6% align:center LIVE A SEE A MODEST LIFESTYLE,   WHIC                             00:01:37.730 --> 00:01:37.764 line:6% align:center LIVE A SEE A MODEST LIFESTYLE,   WHICH                            00:01:37.764 --> 00:01:37.797 line:6% align:center LIVE A SEE A MODEST LIFESTYLE,   WHICH WE                         00:01:37.797 --> 00:01:38.498 line:6% align:center LIVE A SEE A MODEST LIFESTYLE,   WHICH WE                         00:01:38.498 --> 00:01:38.531 line:6% align:center LIVE A SEE A MODEST LIFESTYLE,   WHICH WE DO                      00:01:38.531 --> 00:01:38.565 line:6% align:center LIVE A SEE A MODEST LIFESTYLE,   WHICH WE DON'                    00:01:38.565 --> 00:01:38.598 line:6% align:center LIVE A SEE A MODEST LIFESTYLE,   WHICH WE DON'T                   00:01:38.598 --> 00:01:38.631 line:6% align:center LIVE A SEE A MODEST LIFESTYLE,   WHICH WE DON'T DE                00:01:38.631 --> 00:01:38.665 line:6% align:center LIVE A SEE A MODEST LIFESTYLE,   WHICH WE DON'T DESC              00:01:38.665 --> 00:01:38.698 line:6% align:center LIVE A SEE A MODEST LIFESTYLE,   WHICH WE DON'T DESCRI            00:01:38.698 --> 00:01:38.731 line:6% align:center LIVE A SEE A MODEST LIFESTYLE,   WHICH WE DON'T DESCRIBE          00:01:38.731 --> 00:01:38.765 line:6% align:center LIVE A SEE A MODEST LIFESTYLE,   WHICH WE DON'T DESCRIBE I        00:01:38.765 --> 00:01:39.432 line:6% align:center LIVE A SEE A MODEST LIFESTYLE,   WHICH WE DON'T DESCRIBE IT       00:01:39.432 --> 00:01:39.466 line:6% align:center LIVE A SEE A MODEST LIFESTYLE,   WHICH WE DON'T DESCRIBE IT IS    00:01:39.466 --> 00:01:39.566 line:6% align:center LIVE A SEE A MODEST LIFESTYLE,   WHICH WE DON'T DESCRIBE IT IS    00:01:39.566 --> 00:01:39.699 line:6% align:center WHICH WE DON'T DESCRIBE IT IS    00:01:39.699 --> 00:01:39.732 line:6% align:center WHICH WE DON'T DESCRIBE IT IS    NI                               00:01:39.732 --> 00:01:39.766 line:6% align:center WHICH WE DON'T DESCRIBE IT IS    NICE                             00:01:39.766 --> 00:01:40.467 line:6% align:center WHICH WE DON'T DESCRIBE IT IS    NICE                             00:01:40.467 --> 00:01:40.500 line:6% align:center WHICH WE DON'T DESCRIBE IT IS    NICE TH                          00:01:40.500 --> 00:01:40.533 line:6% align:center WHICH WE DON'T DESCRIBE IT IS    NICE THAT                        00:01:40.533 --> 00:01:40.567 line:6% align:center WHICH WE DON'T DESCRIBE IT IS    NICE THAT B                      00:01:40.567 --> 00:01:40.600 line:6% align:center WHICH WE DON'T DESCRIBE IT IS    NICE THAT BET                    00:01:40.600 --> 00:01:40.633 line:6% align:center WHICH WE DON'T DESCRIBE IT IS    NICE THAT BETTE                  00:01:40.633 --> 00:01:40.667 line:6% align:center WHICH WE DON'T DESCRIBE IT IS    NICE THAT BETTER                 00:01:40.667 --> 00:01:40.700 line:6% align:center WHICH WE DON'T DESCRIBE IT IS    NICE THAT BETTER AL              00:01:40.700 --> 00:01:40.733 line:6% align:center WHICH WE DON'T DESCRIBE IT IS    NICE THAT BETTER ALL             00:01:40.733 --> 00:01:40.767 line:6% align:center WHICH WE DON'T DESCRIBE IT IS    NICE THAT BETTER ALL ME          00:01:40.767 --> 00:01:40.800 line:6% align:center WHICH WE DON'T DESCRIBE IT IS    NICE THAT BETTER ALL MEAN        00:01:40.800 --> 00:01:40.900 line:6% align:center WHICH WE DON'T DESCRIBE IT IS    NICE THAT BETTER ALL MEANS       00:01:40.900 --> 00:01:41.034 line:6% align:center NICE THAT BETTER ALL MEANS       00:01:41.034 --> 00:01:41.067 line:6% align:center NICE THAT BETTER ALL MEANS       RA                               00:01:41.067 --> 00:01:41.101 line:6% align:center NICE THAT BETTER ALL MEANS       RAIN                             00:01:41.101 --> 00:01:41.134 line:6% align:center NICE THAT BETTER ALL MEANS       RAIN.                            00:01:41.134 --> 00:01:41.167 line:6% align:center NICE THAT BETTER ALL MEANS       RAIN. IT                         00:01:41.167 --> 00:01:41.367 line:6% align:center NICE THAT BETTER ALL MEANS       RAIN. IT                         00:01:41.367 --> 00:01:41.401 line:6% align:center NICE THAT BETTER ALL MEANS       RAIN. IT JU                      00:01:41.401 --> 00:01:41.434 line:6% align:center NICE THAT BETTER ALL MEANS       RAIN. IT JUST                    00:01:41.434 --> 00:01:41.534 line:6% align:center NICE THAT BETTER ALL MEANS       RAIN. IT JUST                    00:01:41.534 --> 00:01:41.568 line:6% align:center NICE THAT BETTER ALL MEANS       RAIN. IT JUST YO                 00:01:41.568 --> 00:01:41.601 line:6% align:center NICE THAT BETTER ALL MEANS       RAIN. IT JUST YOU                00:01:41.601 --> 00:01:41.634 line:6% align:center NICE THAT BETTER ALL MEANS       RAIN. IT JUST YOU HA             00:01:41.634 --> 00:01:41.668 line:6% align:center NICE THAT BETTER ALL MEANS       RAIN. IT JUST YOU HAVE           00:01:41.668 --> 00:01:41.701 line:6% align:center NICE THAT BETTER ALL MEANS       RAIN. IT JUST YOU HAVE A         00:01:41.701 --> 00:01:41.801 line:6% align:center NICE THAT BETTER ALL MEANS       RAIN. IT JUST YOU HAVE A         00:01:41.801 --> 00:01:41.935 line:6% align:center RAIN. IT JUST YOU HAVE A         00:01:41.935 --> 00:01:41.968 line:6% align:center RAIN. IT JUST YOU HAVE A         LI                               00:01:41.968 --> 00:01:42.001 line:6% align:center RAIN. IT JUST YOU HAVE A         LITT                             00:01:42.001 --> 00:01:42.035 line:6% align:center RAIN. IT JUST YOU HAVE A         LITTLE                           00:01:42.035 --> 00:01:42.435 line:6% align:center RAIN. IT JUST YOU HAVE A         LITTLE                           00:01:42.435 --> 00:01:42.469 line:6% align:center RAIN. IT JUST YOU HAVE A         LITTLE MO                        00:01:42.469 --> 00:01:42.502 line:6% align:center RAIN. IT JUST YOU HAVE A         LITTLE MORE                      00:01:42.502 --> 00:01:44.304 line:6% align:center RAIN. IT JUST YOU HAVE A         LITTLE MORE                      00:01:44.304 --> 00:01:44.337 line:6% align:center RAIN. IT JUST YOU HAVE A         LITTLE MORE MO                   00:01:44.337 --> 00:01:44.370 line:6% align:center RAIN. IT JUST YOU HAVE A         LITTLE MORE MONE                 00:01:44.370 --> 00:01:44.404 line:6% align:center RAIN. IT JUST YOU HAVE A         LITTLE MORE MONEY                00:01:44.404 --> 00:01:44.437 line:6% align:center RAIN. IT JUST YOU HAVE A         LITTLE MORE MONEY TH             00:01:44.437 --> 00:01:44.471 line:6% align:center RAIN. IT JUST YOU HAVE A         LITTLE MORE MONEY THAN           00:01:44.471 --> 00:01:44.504 line:6% align:center RAIN. IT JUST YOU HAVE A         LITTLE MORE MONEY THAN I         00:01:44.504 --> 00:01:44.537 line:6% align:center RAIN. IT JUST YOU HAVE A         LITTLE MORE MONEY THAN I S       00:01:44.537 --> 00:01:44.571 line:6% align:center RAIN. IT JUST YOU HAVE A         LITTLE MORE MONEY THAN I SEE     00:01:44.571 --> 00:01:44.604 line:6% align:center RAIN. IT JUST YOU HAVE A         LITTLE MORE MONEY THAN I SEE A   00:01:44.604 --> 00:01:44.704 line:6% align:center RAIN. IT JUST YOU HAVE A         LITTLE MORE MONEY THAN I SEE A   00:01:44.704 --> 00:01:44.838 line:6% align:center LITTLE MORE MONEY THAN I SEE A   00:01:44.838 --> 00:01:44.871 line:6% align:center LITTLE MORE MONEY THAN I SEE A   BA                               00:01:44.871 --> 00:01:44.904 line:6% align:center LITTLE MORE MONEY THAN I SEE A   BARE                             00:01:44.904 --> 00:01:44.938 line:6% align:center LITTLE MORE MONEY THAN I SEE A   BARE                             00:01:44.938 --> 00:01:44.971 line:6% align:center LITTLE MORE MONEY THAN I SEE A   BARE MI                          00:01:44.971 --> 00:01:45.004 line:6% align:center LITTLE MORE MONEY THAN I SEE A   BARE MINI                        00:01:45.004 --> 00:01:45.038 line:6% align:center LITTLE MORE MONEY THAN I SEE A   BARE MINIMU                      00:01:45.038 --> 00:01:45.071 line:6% align:center LITTLE MORE MONEY THAN I SEE A   BARE MINIMUM                     00:01:45.071 --> 00:01:45.105 line:6% align:center LITTLE MORE MONEY THAN I SEE A   BARE MINIMUM GO                  00:01:45.105 --> 00:01:45.138 line:6% align:center LITTLE MORE MONEY THAN I SEE A   BARE MINIMUM GOIN                00:01:45.138 --> 00:01:45.171 line:6% align:center LITTLE MORE MONEY THAN I SEE A   BARE MINIMUM GOING               00:01:45.171 --> 00:01:45.205 line:6% align:center LITTLE MORE MONEY THAN I SEE A   BARE MINIMUM GOING CO            00:01:45.205 --> 00:01:45.238 line:6% align:center LITTLE MORE MONEY THAN I SEE A   BARE MINIMUM GOING COME          00:01:45.238 --> 00:01:45.738 line:6% align:center LITTLE MORE MONEY THAN I SEE A   BARE MINIMUM GOING COME          00:01:45.738 --> 00:01:45.772 line:6% align:center LITTLE MORE MONEY THAN I SEE A   BARE MINIMUM GOING COME BA       00:01:45.772 --> 00:01:45.805 line:6% align:center LITTLE MORE MONEY THAN I SEE A   BARE MINIMUM GOING COME BAR      00:01:45.805 --> 00:01:45.839 line:6% align:center LITTLE MORE MONEY THAN I SEE A   BARE MINIMUM GOING COME BAR TO   00:01:45.839 --> 00:01:45.939 line:6% align:center LITTLE MORE MONEY THAN I SEE A   BARE MINIMUM GOING COME BAR TO   00:01:45.939 --> 00:01:46.072 line:6% align:center BARE MINIMUM GOING COME BAR TO   00:01:46.072 --> 00:01:46.106 line:6% align:center BARE MINIMUM GOING COME BAR TO   BE                               00:01:46.106 --> 00:01:46.139 line:6% align:center BARE MINIMUM GOING COME BAR TO   BE A                             00:01:46.139 --> 00:01:46.172 line:6% align:center BARE MINIMUM GOING COME BAR TO   BE ABL                           00:01:46.172 --> 00:01:46.439 line:6% align:center BARE MINIMUM GOING COME BAR TO   BE ABLE                          00:01:46.439 --> 00:01:46.473 line:6% align:center BARE MINIMUM GOING COME BAR TO   BE ABLE TO                       00:01:46.473 --> 00:01:46.506 line:6% align:center BARE MINIMUM GOING COME BAR TO   BE ABLE TO.                      00:01:46.506 --> 00:01:46.539 line:6% align:center BARE MINIMUM GOING COME BAR TO   BE ABLE TO. I                    00:01:46.539 --> 00:01:46.573 line:6% align:center BARE MINIMUM GOING COME BAR TO   BE ABLE TO. I AN                 00:01:46.573 --> 00:01:46.606 line:6% align:center BARE MINIMUM GOING COME BAR TO   BE ABLE TO. I AND                00:01:46.606 --> 00:01:46.639 line:6% align:center BARE MINIMUM GOING COME BAR TO   BE ABLE TO. I AND I              00:01:46.639 --> 00:01:46.673 line:6% align:center BARE MINIMUM GOING COME BAR TO   BE ABLE TO. I AND I KN           00:01:46.673 --> 00:01:46.706 line:6% align:center BARE MINIMUM GOING COME BAR TO   BE ABLE TO. I AND I KNOW         00:01:46.706 --> 00:01:46.739 line:6% align:center BARE MINIMUM GOING COME BAR TO   BE ABLE TO. I AND I KNOW W       00:01:46.739 --> 00:01:46.840 line:6% align:center BARE MINIMUM GOING COME BAR TO   BE ABLE TO. I AND I KNOW WE      00:01:46.840 --> 00:01:46.973 line:6% align:center BE ABLE TO. I AND I KNOW WE      00:01:46.973 --> 00:01:47.006 line:6% align:center BE ABLE TO. I AND I KNOW WE      WH                               00:01:47.006 --> 00:01:47.040 line:6% align:center BE ABLE TO. I AND I KNOW WE      WHIL                             00:01:47.040 --> 00:01:47.073 line:6% align:center BE ABLE TO. I AND I KNOW WE      WHILE                            00:01:47.073 --> 00:01:47.107 line:6% align:center BE ABLE TO. I AND I KNOW WE      WHILE PE                         00:01:47.107 --> 00:01:47.140 line:6% align:center BE ABLE TO. I AND I KNOW WE      WHILE PEOP                       00:01:47.140 --> 00:01:47.173 line:6% align:center BE ABLE TO. I AND I KNOW WE      WHILE PEOPLE                     00:01:47.173 --> 00:01:48.575 line:6% align:center BE ABLE TO. I AND I KNOW WE      WHILE PEOPLE                     00:01:48.575 --> 00:01:48.608 line:6% align:center BE ABLE TO. I AND I KNOW WE      WHILE PEOPLE TR                  00:01:48.608 --> 00:01:48.641 line:6% align:center BE ABLE TO. I AND I KNOW WE      WHILE PEOPLE TRAV                00:01:48.641 --> 00:01:48.675 line:6% align:center BE ABLE TO. I AND I KNOW WE      WHILE PEOPLE TRAVEL              00:01:48.675 --> 00:01:49.609 line:6% align:center BE ABLE TO. I AND I KNOW WE      WHILE PEOPLE TRAVEL,             00:01:49.609 --> 00:01:49.642 line:6% align:center BE ABLE TO. I AND I KNOW WE      WHILE PEOPLE TRAVEL, WE          00:01:49.642 --> 00:01:50.477 line:6% align:center BE ABLE TO. I AND I KNOW WE      WHILE PEOPLE TRAVEL, WE          00:01:50.477 --> 00:01:50.610 line:6% align:center WHILE PEOPLE TRAVEL, WE          00:01:50.610 --> 00:01:50.643 line:6% align:center WHILE PEOPLE TRAVEL, WE          ES                               00:01:50.643 --> 00:01:50.677 line:6% align:center WHILE PEOPLE TRAVEL, WE          ESTI                             00:01:50.677 --> 00:01:50.710 line:6% align:center WHILE PEOPLE TRAVEL, WE          ESTIMA                           00:01:50.710 --> 00:01:50.743 line:6% align:center WHILE PEOPLE TRAVEL, WE          ESTIMATE                         00:01:50.743 --> 00:01:50.777 line:6% align:center WHILE PEOPLE TRAVEL, WE          ESTIMATE Y                       00:01:50.777 --> 00:01:50.810 line:6% align:center WHILE PEOPLE TRAVEL, WE          ESTIMATE YOU                     00:01:50.810 --> 00:01:50.844 line:6% align:center WHILE PEOPLE TRAVEL, WE          ESTIMATE YOU N                   00:01:50.844 --> 00:01:50.877 line:6% align:center WHILE PEOPLE TRAVEL, WE          ESTIMATE YOU NEE                 00:01:50.877 --> 00:01:50.910 line:6% align:center WHILE PEOPLE TRAVEL, WE          ESTIMATE YOU NEED                00:01:50.910 --> 00:01:50.944 line:6% align:center WHILE PEOPLE TRAVEL, WE          ESTIMATE YOU NEED TO             00:01:50.944 --> 00:01:50.977 line:6% align:center WHILE PEOPLE TRAVEL, WE          ESTIMATE YOU NEED TO             00:01:50.977 --> 00:01:51.010 line:6% align:center WHILE PEOPLE TRAVEL, WE          ESTIMATE YOU NEED TO HA          00:01:51.010 --> 00:01:51.044 line:6% align:center WHILE PEOPLE TRAVEL, WE          ESTIMATE YOU NEED TO HAVE        00:01:51.044 --> 00:01:51.411 line:6% align:center WHILE PEOPLE TRAVEL, WE          ESTIMATE YOU NEED TO HAVE        00:01:51.411 --> 00:01:51.544 line:6% align:center ESTIMATE YOU NEED TO HAVE        00:01:51.544 --> 00:01:51.578 line:6% align:center ESTIMATE YOU NEED TO HAVE        AB                               00:01:51.578 --> 00:01:51.611 line:6% align:center ESTIMATE YOU NEED TO HAVE        ABOU                             00:01:51.611 --> 00:01:52.445 line:6% align:center ESTIMATE YOU NEED TO HAVE        ABOUT                            00:01:52.445 --> 00:01:52.479 line:6% align:center ESTIMATE YOU NEED TO HAVE        ABOUT $3                         00:01:52.479 --> 00:01:52.512 line:6% align:center ESTIMATE YOU NEED TO HAVE        ABOUT $300                       00:01:52.512 --> 00:01:52.545 line:6% align:center ESTIMATE YOU NEED TO HAVE        ABOUT $300,0                     00:01:52.545 --> 00:01:52.579 line:6% align:center ESTIMATE YOU NEED TO HAVE        ABOUT $300,000                   00:01:52.579 --> 00:01:53.379 line:6% align:center ESTIMATE YOU NEED TO HAVE        ABOUT $300,000                   00:01:53.379 --> 00:01:53.413 line:6% align:center ESTIMATE YOU NEED TO HAVE        ABOUT $300,000 IN                00:01:53.413 --> 00:01:53.513 line:6% align:center ESTIMATE YOU NEED TO HAVE        ABOUT $300,000 IN                00:01:53.513 --> 00:01:53.546 line:6% align:center ESTIMATE YOU NEED TO HAVE        ABOUT $300,000 IN IN             00:01:53.546 --> 00:01:53.580 line:6% align:center ESTIMATE YOU NEED TO HAVE        ABOUT $300,000 IN INDI           00:01:53.580 --> 00:01:53.613 line:6% align:center ESTIMATE YOU NEED TO HAVE        ABOUT $300,000 IN INDIVI         00:01:53.613 --> 00:01:53.646 line:6% align:center ESTIMATE YOU NEED TO HAVE        ABOUT $300,000 IN INDIVIDU       00:01:53.646 --> 00:01:53.680 line:6% align:center ESTIMATE YOU NEED TO HAVE        ABOUT $300,000 IN INDIVIDUAL     00:01:53.680 --> 00:01:54.514 line:6% align:center ESTIMATE YOU NEED TO HAVE        ABOUT $300,000 IN INDIVIDUAL     00:01:54.514 --> 00:01:54.647 line:6% align:center ABOUT $300,000 IN INDIVIDUAL     00:01:54.647 --> 00:01:54.681 line:6% align:center ABOUT $300,000 IN INDIVIDUAL     FI                               00:01:54.681 --> 00:01:54.714 line:6% align:center ABOUT $300,000 IN INDIVIDUAL     FINA                             00:01:54.714 --> 00:01:54.747 line:6% align:center ABOUT $300,000 IN INDIVIDUAL     FINANC                           00:01:54.747 --> 00:01:54.781 line:6% align:center ABOUT $300,000 IN INDIVIDUAL     FINANCIA                         00:01:54.781 --> 00:01:54.814 line:6% align:center ABOUT $300,000 IN INDIVIDUAL     FINANCIAL                        00:01:54.814 --> 00:01:54.848 line:6% align:center ABOUT $300,000 IN INDIVIDUAL     FINANCIAL VE                     00:01:54.848 --> 00:01:54.881 line:6% align:center ABOUT $300,000 IN INDIVIDUAL     FINANCIAL VEHI                   00:01:54.881 --> 00:01:54.914 line:6% align:center ABOUT $300,000 IN INDIVIDUAL     FINANCIAL VEHICL                 00:01:54.914 --> 00:01:54.948 line:6% align:center ABOUT $300,000 IN INDIVIDUAL     FINANCIAL VEHICLES               00:01:54.948 --> 00:01:54.981 line:6% align:center ABOUT $300,000 IN INDIVIDUAL     FINANCIAL VEHICLES O             00:01:54.981 --> 00:01:55.014 line:6% align:center ABOUT $300,000 IN INDIVIDUAL     FINANCIAL VEHICLES ON            00:01:55.014 --> 00:01:55.048 line:6% align:center ABOUT $300,000 IN INDIVIDUAL     FINANCIAL VEHICLES ON TO         00:01:55.048 --> 00:01:55.448 line:6% align:center ABOUT $300,000 IN INDIVIDUAL     FINANCIAL VEHICLES ON TOP        00:01:55.448 --> 00:01:55.482 line:6% align:center ABOUT $300,000 IN INDIVIDUAL     FINANCIAL VEHICLES ON TOP OF     00:01:55.482 --> 00:01:55.582 line:6% align:center ABOUT $300,000 IN INDIVIDUAL     FINANCIAL VEHICLES ON TOP OF     00:01:55.582 --> 00:01:55.715 line:6% align:center FINANCIAL VEHICLES ON TOP OF     00:01:55.715 --> 00:01:55.748 line:6% align:center FINANCIAL VEHICLES ON TOP OF     YO                               00:01:55.748 --> 00:01:55.782 line:6% align:center FINANCIAL VEHICLES ON TOP OF     YOUR                             00:01:55.782 --> 00:01:57.484 line:6% align:center FINANCIAL VEHICLES ON TOP OF     YOUR                             00:01:57.484 --> 00:01:57.517 line:6% align:center FINANCIAL VEHICLES ON TOP OF     YOUR WO                          00:01:57.517 --> 00:01:57.550 line:6% align:center FINANCIAL VEHICLES ON TOP OF     YOUR WORK                        00:01:57.550 --> 00:01:57.584 line:6% align:center FINANCIAL VEHICLES ON TOP OF     YOUR WORKPL                      00:01:57.584 --> 00:01:57.617 line:6% align:center FINANCIAL VEHICLES ON TOP OF     YOUR WORKPLAC                    00:01:57.617 --> 00:01:58.518 line:6% align:center FINANCIAL VEHICLES ON TOP OF     YOUR WORKPLACE                   00:01:58.518 --> 00:01:58.551 line:6% align:center FINANCIAL VEHICLES ON TOP OF     YOUR WORKPLACE PE                00:01:58.551 --> 00:01:58.585 line:6% align:center FINANCIAL VEHICLES ON TOP OF     YOUR WORKPLACE PENS              00:01:58.585 --> 00:01:58.618 line:6% align:center FINANCIAL VEHICLES ON TOP OF     YOUR WORKPLACE PENSIO            00:01:58.618 --> 00:01:58.651 line:6% align:center FINANCIAL VEHICLES ON TOP OF     YOUR WORKPLACE PENSION           00:01:58.651 --> 00:01:58.685 line:6% align:center FINANCIAL VEHICLES ON TOP OF     YOUR WORKPLACE PENSION TO        00:01:58.685 --> 00:01:58.718 line:6% align:center FINANCIAL VEHICLES ON TOP OF     YOUR WORKPLACE PENSION TOP       00:01:58.718 --> 00:01:58.751 line:6% align:center FINANCIAL VEHICLES ON TOP OF     YOUR WORKPLACE PENSION TOP OF    00:01:58.751 --> 00:01:59.486 line:6% align:center FINANCIAL VEHICLES ON TOP OF     YOUR WORKPLACE PENSION TOP OF    00:01:59.486 --> 00:01:59.619 line:6% align:center YOUR WORKPLACE PENSION TOP OF    00:01:59.619 --> 00:01:59.652 line:6% align:center YOUR WORKPLACE PENSION TOP OF    GO                               00:01:59.652 --> 00:01:59.686 line:6% align:center YOUR WORKPLACE PENSION TOP OF    GOVE                             00:01:59.686 --> 00:01:59.719 line:6% align:center YOUR WORKPLACE PENSION TOP OF    GOVERN                           00:01:59.719 --> 00:01:59.752 line:6% align:center YOUR WORKPLACE PENSION TOP OF    GOVERNME                         00:01:59.752 --> 00:01:59.786 line:6% align:center YOUR WORKPLACE PENSION TOP OF    GOVERNMENT                       00:01:59.786 --> 00:01:59.819 line:6% align:center YOUR WORKPLACE PENSION TOP OF    GOVERNMENT P                     00:01:59.819 --> 00:01:59.853 line:6% align:center YOUR WORKPLACE PENSION TOP OF    GOVERNMENT PRO                   00:01:59.853 --> 00:01:59.886 line:6% align:center YOUR WORKPLACE PENSION TOP OF    GOVERNMENT PROGR                 00:01:59.886 --> 00:01:59.919 line:6% align:center YOUR WORKPLACE PENSION TOP OF    GOVERNMENT PROGRAM               00:01:59.919 --> 00:02:00.420 line:6% align:center YOUR WORKPLACE PENSION TOP OF    GOVERNMENT PROGRAM               00:02:00.420 --> 00:02:00.453 line:6% align:center YOUR WORKPLACE PENSION TOP OF    GOVERNMENT PROGRAM IN            00:02:00.453 --> 00:02:00.487 line:6% align:center YOUR WORKPLACE PENSION TOP OF    GOVERNMENT PROGRAM INCO          00:02:00.487 --> 00:02:00.520 line:6% align:center YOUR WORKPLACE PENSION TOP OF    GOVERNMENT PROGRAM INCOME        00:02:00.520 --> 00:02:00.620 line:6% align:center YOUR WORKPLACE PENSION TOP OF    GOVERNMENT PROGRAM INCOMES       00:02:00.620 --> 00:02:00.753 line:6% align:center GOVERNMENT PROGRAM INCOMES       00:02:00.753 --> 00:02:00.787 line:6% align:center GOVERNMENT PROGRAM INCOMES       TH                               00:02:00.787 --> 00:02:00.820 line:6% align:center GOVERNMENT PROGRAM INCOMES       THAT                             00:02:00.820 --> 00:02:00.854 line:6% align:center GOVERNMENT PROGRAM INCOMES       THAT Y                           00:02:00.854 --> 00:02:00.887 line:6% align:center GOVERNMENT PROGRAM INCOMES       THAT YOU                         00:02:00.887 --> 00:02:00.920 line:6% align:center GOVERNMENT PROGRAM INCOMES       THAT YOU'R                       00:02:00.920 --> 00:02:00.954 line:6% align:center GOVERNMENT PROGRAM INCOMES       THAT YOU'RE                      00:02:00.954 --> 00:02:00.987 line:6% align:center GOVERNMENT PROGRAM INCOMES       THAT YOU'RE GO                   00:02:00.987 --> 00:02:01.020 line:6% align:center GOVERNMENT PROGRAM INCOMES       THAT YOU'RE GOIN                 00:02:01.020 --> 00:02:01.054 line:6% align:center GOVERNMENT PROGRAM INCOMES       THAT YOU'RE GOING                00:02:01.054 --> 00:02:01.087 line:6% align:center GOVERNMENT PROGRAM INCOMES       THAT YOU'RE GOING TO             00:02:01.087 --> 00:02:01.121 line:6% align:center GOVERNMENT PROGRAM INCOMES       THAT YOU'RE GOING TO             00:02:01.121 --> 00:02:01.154 line:6% align:center GOVERNMENT PROGRAM INCOMES       THAT YOU'RE GOING TO IN          00:02:01.154 --> 00:02:01.187 line:6% align:center GOVERNMENT PROGRAM INCOMES       THAT YOU'RE GOING TO IN O        00:02:01.187 --> 00:02:01.221 line:6% align:center GOVERNMENT PROGRAM INCOMES       THAT YOU'RE GOING TO IN ORD      00:02:01.221 --> 00:02:01.254 line:6% align:center GOVERNMENT PROGRAM INCOMES       THAT YOU'RE GOING TO IN ORDER    00:02:01.254 --> 00:02:01.354 line:6% align:center GOVERNMENT PROGRAM INCOMES       THAT YOU'RE GOING TO IN ORDER    00:02:01.354 --> 00:02:01.488 line:6% align:center THAT YOU'RE GOING TO IN ORDER    00:02:01.488 --> 00:02:01.521 line:6% align:center THAT YOU'RE GOING TO IN ORDER    TO                               00:02:01.521 --> 00:02:01.554 line:6% align:center THAT YOU'RE GOING TO IN ORDER    TO B                             00:02:01.554 --> 00:02:01.588 line:6% align:center THAT YOU'RE GOING TO IN ORDER    TO BE                            00:02:01.588 --> 00:02:01.621 line:6% align:center THAT YOU'RE GOING TO IN ORDER    TO BE AB                         00:02:01.621 --> 00:02:01.654 line:6% align:center THAT YOU'RE GOING TO IN ORDER    TO BE ABLE                       00:02:01.654 --> 00:02:01.688 line:6% align:center THAT YOU'RE GOING TO IN ORDER    TO BE ABLE T                     00:02:01.688 --> 00:02:02.388 line:6% align:center THAT YOU'RE GOING TO IN ORDER    TO BE ABLE TO                    00:02:02.388 --> 00:02:02.422 line:6% align:center THAT YOU'RE GOING TO IN ORDER    TO BE ABLE TO AC                 00:02:02.422 --> 00:02:02.455 line:6% align:center THAT YOU'RE GOING TO IN ORDER    TO BE ABLE TO ACTU               00:02:02.455 --> 00:02:02.489 line:6% align:center THAT YOU'RE GOING TO IN ORDER    TO BE ABLE TO ACTUAL             00:02:02.489 --> 00:02:02.522 line:6% align:center THAT YOU'RE GOING TO IN ORDER    TO BE ABLE TO ACTUALLY           00:02:02.522 --> 00:02:03.523 line:6% align:center THAT YOU'RE GOING TO IN ORDER    TO BE ABLE TO ACTUALLY           00:02:03.523 --> 00:02:03.556 line:6% align:center THAT YOU'RE GOING TO IN ORDER    TO BE ABLE TO ACTUALLY SA        00:02:03.556 --> 00:02:03.656 line:6% align:center THAT YOU'RE GOING TO IN ORDER    TO BE ABLE TO ACTUALLY SAY       00:02:03.656 --> 00:02:03.790 line:6% align:center TO BE ABLE TO ACTUALLY SAY       00:02:03.790 --> 00:02:03.823 line:6% align:center TO BE ABLE TO ACTUALLY SAY       YO                               00:02:03.823 --> 00:02:03.857 line:6% align:center TO BE ABLE TO ACTUALLY SAY       YOU'                             00:02:03.857 --> 00:02:03.890 line:6% align:center TO BE ABLE TO ACTUALLY SAY       YOU'RE                           00:02:03.890 --> 00:02:03.923 line:6% align:center TO BE ABLE TO ACTUALLY SAY       YOU'RE G                         00:02:03.923 --> 00:02:03.957 line:6% align:center TO BE ABLE TO ACTUALLY SAY       YOU'RE GOI                       00:02:03.957 --> 00:02:03.990 line:6% align:center TO BE ABLE TO ACTUALLY SAY       YOU'RE GOING                     00:02:03.990 --> 00:02:04.023 line:6% align:center TO BE ABLE TO ACTUALLY SAY       YOU'RE GOING T                   00:02:04.023 --> 00:02:04.057 line:6% align:center TO BE ABLE TO ACTUALLY SAY       YOU'RE GOING TO                  00:02:04.057 --> 00:02:04.090 line:6% align:center TO BE ABLE TO ACTUALLY SAY       YOU'RE GOING TO BE               00:02:04.090 --> 00:02:05.558 line:6% align:center TO BE ABLE TO ACTUALLY SAY       YOU'RE GOING TO BE               00:02:05.558 --> 00:02:05.592 line:6% align:center TO BE ABLE TO ACTUALLY SAY       YOU'RE GOING TO BE LI            00:02:05.592 --> 00:02:05.625 line:6% align:center TO BE ABLE TO ACTUALLY SAY       YOU'RE GOING TO BE LIFE          00:02:05.625 --> 00:02:05.658 line:6% align:center TO BE ABLE TO ACTUALLY SAY       YOU'RE GOING TO BE LIFEST        00:02:05.658 --> 00:02:05.692 line:6% align:center TO BE ABLE TO ACTUALLY SAY       YOU'RE GOING TO BE LIFESTYL      00:02:05.692 --> 00:02:05.792 line:6% align:center TO BE ABLE TO ACTUALLY SAY       YOU'RE GOING TO BE LIFESTYLE     00:02:05.792 --> 00:02:05.925 line:6% align:center YOU'RE GOING TO BE LIFESTYLE     00:02:05.925 --> 00:02:05.959 line:6% align:center YOU'RE GOING TO BE LIFESTYLE     OR                               00:02:05.959 --> 00:02:05.992 line:6% align:center YOU'RE GOING TO BE LIFESTYLE     OR Y                             00:02:05.992 --> 00:02:06.025 line:6% align:center YOU'RE GOING TO BE LIFESTYLE     OR YOU                           00:02:06.025 --> 00:02:06.059 line:6% align:center YOU'RE GOING TO BE LIFESTYLE     OR YOUR                          00:02:06.059 --> 00:02:06.092 line:6% align:center YOU'RE GOING TO BE LIFESTYLE     OR YOUR LI                       00:02:06.092 --> 00:02:06.126 line:6% align:center YOU'RE GOING TO BE LIFESTYLE     OR YOUR LIFE                     00:02:06.126 --> 00:02:07.494 line:6% align:center YOU'RE GOING TO BE LIFESTYLE     OR YOUR LIFE                     00:02:07.494 --> 00:02:07.527 line:6% align:center YOU'RE GOING TO BE LIFESTYLE     OR YOUR LIFE EX                  00:02:07.527 --> 00:02:07.560 line:6% align:center YOU'RE GOING TO BE LIFESTYLE     OR YOUR LIFE EXPE                00:02:07.560 --> 00:02:07.594 line:6% align:center YOU'RE GOING TO BE LIFESTYLE     OR YOUR LIFE EXPECT              00:02:07.594 --> 00:02:07.627 line:6% align:center YOU'RE GOING TO BE LIFESTYLE     OR YOUR LIFE EXPECTAN            00:02:07.627 --> 00:02:07.660 line:6% align:center YOU'RE GOING TO BE LIFESTYLE     OR YOUR LIFE EXPECTANCY          00:02:07.660 --> 00:02:07.694 line:6% align:center YOU'RE GOING TO BE LIFESTYLE     OR YOUR LIFE EXPECTANCY A        00:02:07.694 --> 00:02:07.727 line:6% align:center YOU'RE GOING TO BE LIFESTYLE     OR YOUR LIFE EXPECTANCY AND      00:02:07.727 --> 00:02:07.760 line:6% align:center YOU'RE GOING TO BE LIFESTYLE     OR YOUR LIFE EXPECTANCY AND A    00:02:07.760 --> 00:02:07.861 line:6% align:center YOU'RE GOING TO BE LIFESTYLE     OR YOUR LIFE EXPECTANCY AND AT   00:02:07.861 --> 00:02:07.994 line:6% align:center OR YOUR LIFE EXPECTANCY AND AT   00:02:07.994 --> 00:02:08.027 line:6% align:center OR YOUR LIFE EXPECTANCY AND AT   TH                               00:02:08.027 --> 00:02:08.061 line:6% align:center OR YOUR LIFE EXPECTANCY AND AT   THE                              00:02:08.061 --> 00:02:08.094 line:6% align:center OR YOUR LIFE EXPECTANCY AND AT   THE BA                           00:02:08.094 --> 00:02:08.128 line:6% align:center OR YOUR LIFE EXPECTANCY AND AT   THE BAR                          00:02:08.128 --> 00:02:08.161 line:6% align:center OR YOUR LIFE EXPECTANCY AND AT   THE BAR GO                       00:02:08.161 --> 00:02:08.194 line:6% align:center OR YOUR LIFE EXPECTANCY AND AT   THE BAR GOES                     00:02:08.194 --> 00:02:08.228 line:6% align:center OR YOUR LIFE EXPECTANCY AND AT   THE BAR GOES U                   00:02:08.228 --> 00:02:08.561 line:6% align:center OR YOUR LIFE EXPECTANCY AND AT   THE BAR GOES UP                  00:02:08.561 --> 00:02:08.595 line:6% align:center OR YOUR LIFE EXPECTANCY AND AT   THE BAR GOES UP AS               00:02:08.595 --> 00:02:08.628 line:6% align:center OR YOUR LIFE EXPECTANCY AND AT   THE BAR GOES UP AS C             00:02:08.628 --> 00:02:08.661 line:6% align:center OR YOUR LIFE EXPECTANCY AND AT   THE BAR GOES UP AS CAN           00:02:08.661 --> 00:02:08.695 line:6% align:center OR YOUR LIFE EXPECTANCY AND AT   THE BAR GOES UP AS CAN M         00:02:08.695 --> 00:02:08.728 line:6% align:center OR YOUR LIFE EXPECTANCY AND AT   THE BAR GOES UP AS CAN MOR       00:02:08.728 --> 00:02:08.761 line:6% align:center OR YOUR LIFE EXPECTANCY AND AT   THE BAR GOES UP AS CAN MORE      00:02:08.761 --> 00:02:08.795 line:6% align:center OR YOUR LIFE EXPECTANCY AND AT   THE BAR GOES UP AS CAN MORE OF   00:02:08.795 --> 00:02:08.895 line:6% align:center OR YOUR LIFE EXPECTANCY AND AT   THE BAR GOES UP AS CAN MORE OF   00:02:08.895 --> 00:02:09.028 line:6% align:center THE BAR GOES UP AS CAN MORE OF   00:02:09.028 --> 00:02:09.062 line:6% align:center THE BAR GOES UP AS CAN MORE OF   A                                00:02:09.062 --> 00:02:09.095 line:6% align:center THE BAR GOES UP AS CAN MORE OF   A CL                             00:02:09.095 --> 00:02:09.129 line:6% align:center THE BAR GOES UP AS CAN MORE OF   A CLAS                           00:02:09.129 --> 00:02:09.329 line:6% align:center THE BAR GOES UP AS CAN MORE OF   A CLASS                          00:02:09.329 --> 00:02:09.362 line:6% align:center THE BAR GOES UP AS CAN MORE OF   A CLASS LI                       00:02:09.362 --> 00:02:09.395 line:6% align:center THE BAR GOES UP AS CAN MORE OF   A CLASS LIFE                     00:02:09.395 --> 00:02:09.429 line:6% align:center THE BAR GOES UP AS CAN MORE OF   A CLASS LIFEST                   00:02:09.429 --> 00:02:09.462 line:6% align:center THE BAR GOES UP AS CAN MORE OF   A CLASS LIFESTYL                 00:02:09.462 --> 00:02:09.496 line:6% align:center THE BAR GOES UP AS CAN MORE OF   A CLASS LIFESTYLE,               00:02:09.496 --> 00:02:09.529 line:6% align:center THE BAR GOES UP AS CAN MORE OF   A CLASS LIFESTYLE,               00:02:09.529 --> 00:02:09.562 line:6% align:center THE BAR GOES UP AS CAN MORE OF   A CLASS LIFESTYLE, JU            00:02:09.562 --> 00:02:09.596 line:6% align:center THE BAR GOES UP AS CAN MORE OF   A CLASS LIFESTYLE, JUST          00:02:09.596 --> 00:02:09.629 line:6% align:center THE BAR GOES UP AS CAN MORE OF   A CLASS LIFESTYLE, JUST A        00:02:09.629 --> 00:02:10.063 line:6% align:center THE BAR GOES UP AS CAN MORE OF   A CLASS LIFESTYLE, JUST A        00:02:10.063 --> 00:02:10.196 line:6% align:center A CLASS LIFESTYLE, JUST A        00:02:10.196 --> 00:02:10.230 line:6% align:center A CLASS LIFESTYLE, JUST A        70                               00:02:10.230 --> 00:02:10.263 line:6% align:center A CLASS LIFESTYLE, JUST A        700,                             00:02:10.263 --> 00:02:10.296 line:6% align:center A CLASS LIFESTYLE, JUST A        700,00                           00:02:10.296 --> 00:02:10.330 line:6% align:center A CLASS LIFESTYLE, JUST A        700,000                          00:02:10.330 --> 00:02:10.363 line:6% align:center A CLASS LIFESTYLE, JUST A        700,000 UN                       00:02:10.363 --> 00:02:10.396 line:6% align:center A CLASS LIFESTYLE, JUST A        700,000 UNIT                     00:02:10.396 --> 00:02:10.430 line:6% align:center A CLASS LIFESTYLE, JUST A        700,000 UNITS                    00:02:10.430 --> 00:02:10.463 line:6% align:center A CLASS LIFESTYLE, JUST A        700,000 UNITS AR                 00:02:10.463 --> 00:02:10.497 line:6% align:center A CLASS LIFESTYLE, JUST A        700,000 UNITS ARE                00:02:10.497 --> 00:02:10.530 line:6% align:center A CLASS LIFESTYLE, JUST A        700,000 UNITS ARE MO             00:02:10.530 --> 00:02:10.563 line:6% align:center A CLASS LIFESTYLE, JUST A        700,000 UNITS ARE MORE           00:02:10.563 --> 00:02:10.663 line:6% align:center A CLASS LIFESTYLE, JUST A        700,000 UNITS ARE MORE           00:02:10.663 --> 00:02:10.797 line:6% align:center 700,000 UNITS ARE MORE           00:02:10.797 --> 00:02:10.830 line:6% align:center 700,000 UNITS ARE MORE           CO                               00:02:10.830 --> 00:02:10.864 line:6% align:center 700,000 UNITS ARE MORE           COMF                             00:02:10.864 --> 00:02:10.897 line:6% align:center 700,000 UNITS ARE MORE           COMFOR                           00:02:10.897 --> 00:02:10.930 line:6% align:center 700,000 UNITS ARE MORE           COMFORTA                         00:02:10.930 --> 00:02:10.964 line:6% align:center 700,000 UNITS ARE MORE           COMFORTABL                       00:02:10.964 --> 00:02:10.997 line:6% align:center 700,000 UNITS ARE MORE           COMFORTABLE.                     00:02:10.997 --> 00:02:11.030 line:6% align:center 700,000 UNITS ARE MORE           COMFORTABLE. A                   00:02:11.030 --> 00:02:11.064 line:6% align:center 700,000 UNITS ARE MORE           COMFORTABLE. A S                 00:02:11.064 --> 00:02:11.097 line:6% align:center 700,000 UNITS ARE MORE           COMFORTABLE. A STO               00:02:11.097 --> 00:02:11.131 line:6% align:center 700,000 UNITS ARE MORE           COMFORTABLE. A STOUT             00:02:11.131 --> 00:02:11.164 line:6% align:center 700,000 UNITS ARE MORE           COMFORTABLE. A STOUT,            00:02:11.164 --> 00:02:13.199 line:6% align:center 700,000 UNITS ARE MORE           COMFORTABLE. A STOUT, A          00:02:13.199 --> 00:02:13.333 line:6% align:center COMFORTABLE. A STOUT, A          00:02:13.333 --> 00:02:13.366 line:6% align:center COMFORTABLE. A STOUT, A          90                               00:02:13.366 --> 00:02:13.399 line:6% align:center COMFORTABLE. A STOUT, A          900,                             00:02:13.399 --> 00:02:13.433 line:6% align:center COMFORTABLE. A STOUT, A          900,00                           00:02:13.433 --> 00:02:13.466 line:6% align:center COMFORTABLE. A STOUT, A          900,000.                         00:02:13.466 --> 00:02:13.967 line:6% align:center COMFORTABLE. A STOUT, A          900,000.                         00:02:13.967 --> 00:02:14.000 line:6% align:center COMFORTABLE. A STOUT, A          900,000. WH                      00:02:14.000 --> 00:02:14.033 line:6% align:center COMFORTABLE. A STOUT, A          900,000. WHAT                    00:02:14.033 --> 00:02:14.067 line:6% align:center COMFORTABLE. A STOUT, A          900,000. WHAT'S                  00:02:14.067 --> 00:02:14.100 line:6% align:center COMFORTABLE. A STOUT, A          900,000. WHAT'S R                00:02:14.100 --> 00:02:14.134 line:6% align:center COMFORTABLE. A STOUT, A          900,000. WHAT'S REA              00:02:14.134 --> 00:02:14.167 line:6% align:center COMFORTABLE. A STOUT, A          900,000. WHAT'S REALL            00:02:14.167 --> 00:02:14.267 line:6% align:center COMFORTABLE. A STOUT, A          900,000. WHAT'S REALLY           00:02:14.267 --> 00:02:14.400 line:6% align:center 900,000. WHAT'S REALLY           00:02:14.400 --> 00:02:14.434 line:6% align:center 900,000. WHAT'S REALLY           IM                               00:02:14.434 --> 00:02:14.467 line:6% align:center 900,000. WHAT'S REALLY           IMPO                             00:02:14.467 --> 00:02:14.501 line:6% align:center 900,000. WHAT'S REALLY           IMPORT                           00:02:14.501 --> 00:02:14.534 line:6% align:center 900,000. WHAT'S REALLY           IMPORTAN                         00:02:14.534 --> 00:02:14.567 line:6% align:center 900,000. WHAT'S REALLY           IMPORTANT                        00:02:14.567 --> 00:02:14.601 line:6% align:center 900,000. WHAT'S REALLY           IMPORTANT HE                     00:02:14.601 --> 00:02:14.634 line:6% align:center 900,000. WHAT'S REALLY           IMPORTANT HERE                   00:02:14.634 --> 00:02:14.667 line:6% align:center 900,000. WHAT'S REALLY           IMPORTANT HERE I                 00:02:14.667 --> 00:02:14.701 line:6% align:center 900,000. WHAT'S REALLY           IMPORTANT HERE INS               00:02:14.701 --> 00:02:14.734 line:6% align:center 900,000. WHAT'S REALLY           IMPORTANT HERE INSTE             00:02:14.734 --> 00:02:14.767 line:6% align:center 900,000. WHAT'S REALLY           IMPORTANT HERE INSTEAD           00:02:14.767 --> 00:02:14.801 line:6% align:center 900,000. WHAT'S REALLY           IMPORTANT HERE INSTEAD L         00:02:14.801 --> 00:02:14.834 line:6% align:center 900,000. WHAT'S REALLY           IMPORTANT HERE INSTEAD LOO       00:02:14.834 --> 00:02:14.868 line:6% align:center 900,000. WHAT'S REALLY           IMPORTANT HERE INSTEAD LOOKI     00:02:14.868 --> 00:02:14.901 line:6% align:center 900,000. WHAT'S REALLY           IMPORTANT HERE INSTEAD LOOKING   00:02:14.901 --> 00:02:16.169 line:6% align:center 900,000. WHAT'S REALLY           IMPORTANT HERE INSTEAD LOOKING   00:02:16.169 --> 00:02:16.302 line:6% align:center IMPORTANT HERE INSTEAD LOOKING   00:02:16.302 --> 00:02:16.336 line:6% align:center IMPORTANT HERE INSTEAD LOOKING   AT                               00:02:16.336 --> 00:02:16.369 line:6% align:center IMPORTANT HERE INSTEAD LOOKING   AT T                             00:02:16.369 --> 00:02:16.402 line:6% align:center IMPORTANT HERE INSTEAD LOOKING   AT THE                           00:02:16.402 --> 00:02:17.003 line:6% align:center IMPORTANT HERE INSTEAD LOOKING   AT THE                           00:02:17.003 --> 00:02:17.036 line:6% align:center IMPORTANT HERE INSTEAD LOOKING   AT THE TO                        00:02:17.036 --> 00:02:17.070 line:6% align:center IMPORTANT HERE INSTEAD LOOKING   AT THE TOTA                      00:02:17.070 --> 00:02:17.103 line:6% align:center IMPORTANT HERE INSTEAD LOOKING   AT THE TOTAL                     00:02:17.103 --> 00:02:17.137 line:6% align:center IMPORTANT HERE INSTEAD LOOKING   AT THE TOTAL NU                  00:02:17.137 --> 00:02:17.170 line:6% align:center IMPORTANT HERE INSTEAD LOOKING   AT THE TOTAL NUMB                00:02:17.170 --> 00:02:17.203 line:6% align:center IMPORTANT HERE INSTEAD LOOKING   AT THE TOTAL NUMBER              00:02:17.203 --> 00:02:17.237 line:6% align:center IMPORTANT HERE INSTEAD LOOKING   AT THE TOTAL NUMBER L            00:02:17.237 --> 00:02:17.270 line:6% align:center IMPORTANT HERE INSTEAD LOOKING   AT THE TOTAL NUMBER LOO          00:02:17.270 --> 00:02:17.303 line:6% align:center IMPORTANT HERE INSTEAD LOOKING   AT THE TOTAL NUMBER LOOKI        00:02:17.303 --> 00:02:17.337 line:6% align:center IMPORTANT HERE INSTEAD LOOKING   AT THE TOTAL NUMBER LOOKING      00:02:17.337 --> 00:02:17.370 line:6% align:center IMPORTANT HERE INSTEAD LOOKING   AT THE TOTAL NUMBER LOOKING      00:02:17.370 --> 00:02:17.403 line:6% align:center IMPORTANT HERE INSTEAD LOOKING   AT THE TOTAL NUMBER LOOKING AT   00:02:17.403 --> 00:02:17.504 line:6% align:center IMPORTANT HERE INSTEAD LOOKING   AT THE TOTAL NUMBER LOOKING AT   00:02:17.504 --> 00:02:17.637 line:6% align:center AT THE TOTAL NUMBER LOOKING AT   00:02:17.637 --> 00:02:17.670 line:6% align:center AT THE TOTAL NUMBER LOOKING AT   WH                               00:02:17.670 --> 00:02:17.704 line:6% align:center AT THE TOTAL NUMBER LOOKING AT   WHAT                             00:02:17.704 --> 00:02:17.737 line:6% align:center AT THE TOTAL NUMBER LOOKING AT   WHAT I                           00:02:17.737 --> 00:02:17.770 line:6% align:center AT THE TOTAL NUMBER LOOKING AT   WHAT IS                          00:02:17.770 --> 00:02:17.804 line:6% align:center AT THE TOTAL NUMBER LOOKING AT   WHAT IS TH                       00:02:17.804 --> 00:02:17.837 line:6% align:center AT THE TOTAL NUMBER LOOKING AT   WHAT IS THE                      00:02:17.837 --> 00:02:17.871 line:6% align:center AT THE TOTAL NUMBER LOOKING AT   WHAT IS THE AM                   00:02:17.871 --> 00:02:17.904 line:6% align:center AT THE TOTAL NUMBER LOOKING AT   WHAT IS THE AMOU                 00:02:17.904 --> 00:02:17.937 line:6% align:center AT THE TOTAL NUMBER LOOKING AT   WHAT IS THE AMOUNT               00:02:17.937 --> 00:02:17.971 line:6% align:center AT THE TOTAL NUMBER LOOKING AT   WHAT IS THE AMOUNT O             00:02:17.971 --> 00:02:18.204 line:6% align:center AT THE TOTAL NUMBER LOOKING AT   WHAT IS THE AMOUNT OF            00:02:18.204 --> 00:02:18.238 line:6% align:center AT THE TOTAL NUMBER LOOKING AT   WHAT IS THE AMOUNT OF BU         00:02:18.238 --> 00:02:18.271 line:6% align:center AT THE TOTAL NUMBER LOOKING AT   WHAT IS THE AMOUNT OF BUDG       00:02:18.271 --> 00:02:18.304 line:6% align:center AT THE TOTAL NUMBER LOOKING AT   WHAT IS THE AMOUNT OF BUDGET     00:02:18.304 --> 00:02:18.404 line:6% align:center AT THE TOTAL NUMBER LOOKING AT   WHAT IS THE AMOUNT OF BUDGET     00:02:18.404 --> 00:02:18.538 line:6% align:center WHAT IS THE AMOUNT OF BUDGET     00:02:18.538 --> 00:02:18.571 line:6% align:center WHAT IS THE AMOUNT OF BUDGET     OR                               00:02:18.571 --> 00:02:18.605 line:6% align:center WHAT IS THE AMOUNT OF BUDGET     OR I                             00:02:18.605 --> 00:02:18.638 line:6% align:center WHAT IS THE AMOUNT OF BUDGET     OR INC                           00:02:18.638 --> 00:02:18.671 line:6% align:center WHAT IS THE AMOUNT OF BUDGET     OR INCOM                         00:02:18.671 --> 00:02:18.705 line:6% align:center WHAT IS THE AMOUNT OF BUDGET     OR INCOME                        00:02:18.705 --> 00:02:18.738 line:6% align:center WHAT IS THE AMOUNT OF BUDGET     OR INCOME YO                     00:02:18.738 --> 00:02:18.771 line:6% align:center WHAT IS THE AMOUNT OF BUDGET     OR INCOME YOU                    00:02:18.771 --> 00:02:18.805 line:6% align:center WHAT IS THE AMOUNT OF BUDGET     OR INCOME YOU NE                 00:02:18.805 --> 00:02:18.838 line:6% align:center WHAT IS THE AMOUNT OF BUDGET     OR INCOME YOU NEED               00:02:18.838 --> 00:02:18.872 line:6% align:center WHAT IS THE AMOUNT OF BUDGET     OR INCOME YOU NEED W             00:02:18.872 --> 00:02:18.905 line:6% align:center WHAT IS THE AMOUNT OF BUDGET     OR INCOME YOU NEED WHE           00:02:18.905 --> 00:02:18.938 line:6% align:center WHAT IS THE AMOUNT OF BUDGET     OR INCOME YOU NEED WHEN          00:02:18.938 --> 00:02:18.972 line:6% align:center WHAT IS THE AMOUNT OF BUDGET     OR INCOME YOU NEED WHEN YO       00:02:18.972 --> 00:02:19.072 line:6% align:center WHAT IS THE AMOUNT OF BUDGET     OR INCOME YOU NEED WHEN YOU      00:02:19.072 --> 00:02:19.205 line:6% align:center OR INCOME YOU NEED WHEN YOU      00:02:19.205 --> 00:02:19.239 line:6% align:center OR INCOME YOU NEED WHEN YOU      GE                               00:02:19.239 --> 00:02:20.406 line:6% align:center OR INCOME YOU NEED WHEN YOU      GET                              00:02:20.406 --> 00:02:20.440 line:6% align:center OR INCOME YOU NEED WHEN YOU      GET IN                           00:02:20.440 --> 00:02:20.473 line:6% align:center OR INCOME YOU NEED WHEN YOU      GET INTO                         00:02:20.473 --> 00:02:20.507 line:6% align:center OR INCOME YOU NEED WHEN YOU      GET INTO R                       00:02:20.507 --> 00:02:20.540 line:6% align:center OR INCOME YOU NEED WHEN YOU      GET INTO RET                     00:02:20.540 --> 00:02:20.573 line:6% align:center OR INCOME YOU NEED WHEN YOU      GET INTO RETIR                   00:02:20.573 --> 00:02:20.607 line:6% align:center OR INCOME YOU NEED WHEN YOU      GET INTO RETIREM                 00:02:20.607 --> 00:02:20.640 line:6% align:center OR INCOME YOU NEED WHEN YOU      GET INTO RETIREMEN               00:02:20.640 --> 00:02:20.673 line:6% align:center OR INCOME YOU NEED WHEN YOU      GET INTO RETIREMENT.             00:02:20.673 --> 00:02:21.307 line:6% align:center OR INCOME YOU NEED WHEN YOU      GET INTO RETIREMENT.             00:02:21.307 --> 00:02:21.341 line:6% align:center OR INCOME YOU NEED WHEN YOU      GET INTO RETIREMENT. AN          00:02:21.341 --> 00:02:21.374 line:6% align:center OR INCOME YOU NEED WHEN YOU      GET INTO RETIREMENT. AND         00:02:21.374 --> 00:02:21.407 line:6% align:center OR INCOME YOU NEED WHEN YOU      GET INTO RETIREMENT. AND BY      00:02:21.407 --> 00:02:22.342 line:6% align:center OR INCOME YOU NEED WHEN YOU      GET INTO RETIREMENT. AND BY      00:02:22.342 --> 00:02:22.475 line:6% align:center GET INTO RETIREMENT. AND BY      00:02:22.475 --> 00:02:22.509 line:6% align:center GET INTO RETIREMENT. AND BY      LO                               00:02:22.509 --> 00:02:22.542 line:6% align:center GET INTO RETIREMENT. AND BY      LOOK                             00:02:22.542 --> 00:02:22.575 line:6% align:center GET INTO RETIREMENT. AND BY      LOOKIN                           00:02:22.575 --> 00:02:22.609 line:6% align:center GET INTO RETIREMENT. AND BY      LOOKING                          00:02:22.609 --> 00:02:22.642 line:6% align:center GET INTO RETIREMENT. AND BY      LOOKING AT                       00:02:22.642 --> 00:02:22.675 line:6% align:center GET INTO RETIREMENT. AND BY      LOOKING AT A                     00:02:22.675 --> 00:02:22.709 line:6% align:center GET INTO RETIREMENT. AND BY      LOOKING AT AND                   00:02:22.709 --> 00:02:22.742 line:6% align:center GET INTO RETIREMENT. AND BY      LOOKING AT AND I                 00:02:22.742 --> 00:02:22.775 line:6% align:center GET INTO RETIREMENT. AND BY      LOOKING AT AND I                 00:02:22.775 --> 00:02:22.809 line:6% align:center GET INTO RETIREMENT. AND BY      LOOKING AT AND I TH              00:02:22.809 --> 00:02:22.842 line:6% align:center GET INTO RETIREMENT. AND BY      LOOKING AT AND I THIN            00:02:22.842 --> 00:02:22.876 line:6% align:center GET INTO RETIREMENT. AND BY      LOOKING AT AND I THINK           00:02:22.876 --> 00:02:22.909 line:6% align:center GET INTO RETIREMENT. AND BY      LOOKING AT AND I THINK TH        00:02:22.909 --> 00:02:22.942 line:6% align:center GET INTO RETIREMENT. AND BY      LOOKING AT AND I THINK THAT      00:02:22.942 --> 00:02:22.976 line:6% align:center GET INTO RETIREMENT. AND BY      LOOKING AT AND I THINK THAT'S    00:02:22.976 --> 00:02:23.476 line:6% align:center GET INTO RETIREMENT. AND BY      LOOKING AT AND I THINK THAT'S    00:02:23.476 --> 00:02:23.610 line:6% align:center LOOKING AT AND I THINK THAT'S    00:02:23.610 --> 00:02:23.643 line:6% align:center LOOKING AT AND I THINK THAT'S    ON                               00:02:23.643 --> 00:02:23.676 line:6% align:center LOOKING AT AND I THINK THAT'S    ONE                              00:02:23.676 --> 00:02:23.710 line:6% align:center LOOKING AT AND I THINK THAT'S    ONE OF                           00:02:23.710 --> 00:02:23.743 line:6% align:center LOOKING AT AND I THINK THAT'S    ONE OF T                         00:02:23.743 --> 00:02:23.776 line:6% align:center LOOKING AT AND I THINK THAT'S    ONE OF THE                       00:02:23.776 --> 00:02:24.444 line:6% align:center LOOKING AT AND I THINK THAT'S    ONE OF THE                       00:02:24.444 --> 00:02:24.477 line:6% align:center LOOKING AT AND I THINK THAT'S    ONE OF THE IS                    00:02:24.477 --> 00:02:24.511 line:6% align:center LOOKING AT AND I THINK THAT'S    ONE OF THE ISSU                  00:02:24.511 --> 00:02:24.544 line:6% align:center LOOKING AT AND I THINK THAT'S    ONE OF THE ISSUES                00:02:24.544 --> 00:02:24.577 line:6% align:center LOOKING AT AND I THINK THAT'S    ONE OF THE ISSUES I              00:02:24.577 --> 00:02:24.611 line:6% align:center LOOKING AT AND I THINK THAT'S    ONE OF THE ISSUES IN             00:02:24.611 --> 00:02:24.644 line:6% align:center LOOKING AT AND I THINK THAT'S    ONE OF THE ISSUES IN CA          00:02:24.644 --> 00:02:24.677 line:6% align:center LOOKING AT AND I THINK THAT'S    ONE OF THE ISSUES IN CANA        00:02:24.677 --> 00:02:24.711 line:6% align:center LOOKING AT AND I THINK THAT'S    ONE OF THE ISSUES IN CANADA      00:02:24.711 --> 00:02:25.311 line:6% align:center LOOKING AT AND I THINK THAT'S    ONE OF THE ISSUES IN CANADA      00:02:25.311 --> 00:02:25.445 line:6% align:center ONE OF THE ISSUES IN CANADA      00:02:25.445 --> 00:02:25.478 line:6% align:center ONE OF THE ISSUES IN CANADA      TO                               00:02:25.478 --> 00:02:25.512 line:6% align:center ONE OF THE ISSUES IN CANADA      TODA                             00:02:25.512 --> 00:02:25.545 line:6% align:center ONE OF THE ISSUES IN CANADA      TODAY,                           00:02:25.545 --> 00:02:27.380 line:6% align:center ONE OF THE ISSUES IN CANADA      TODAY,                           00:02:27.380 --> 00:02:27.413 line:6% align:center ONE OF THE ISSUES IN CANADA      TODAY, BE                        00:02:27.413 --> 00:02:27.447 line:6% align:center ONE OF THE ISSUES IN CANADA      TODAY, BECA                      00:02:27.447 --> 00:02:27.480 line:6% align:center ONE OF THE ISSUES IN CANADA      TODAY, BECAUS                    00:02:27.480 --> 00:02:27.514 line:6% align:center ONE OF THE ISSUES IN CANADA      TODAY, BECAUSE                   00:02:27.514 --> 00:02:27.547 line:6% align:center ONE OF THE ISSUES IN CANADA      TODAY, BECAUSE IT                00:02:27.547 --> 00:02:27.580 line:6% align:center ONE OF THE ISSUES IN CANADA      TODAY, BECAUSE IT'S              00:02:27.580 --> 00:02:27.614 line:6% align:center ONE OF THE ISSUES IN CANADA      TODAY, BECAUSE IT'S N            00:02:27.614 --> 00:02:27.647 line:6% align:center ONE OF THE ISSUES IN CANADA      TODAY, BECAUSE IT'S NOT          00:02:27.647 --> 00:02:27.747 line:6% align:center ONE OF THE ISSUES IN CANADA      TODAY, BECAUSE IT'S NOT          00:02:27.747 --> 00:02:27.881 line:6% align:center TODAY, BECAUSE IT'S NOT          00:02:27.881 --> 00:02:27.914 line:6% align:center TODAY, BECAUSE IT'S NOT          CO                               00:02:27.914 --> 00:02:27.947 line:6% align:center TODAY, BECAUSE IT'S NOT          COLD                             00:02:27.947 --> 00:02:27.981 line:6% align:center TODAY, BECAUSE IT'S NOT          COLDER                           00:02:27.981 --> 00:02:28.014 line:6% align:center TODAY, BECAUSE IT'S NOT          COLDER,                          00:02:28.014 --> 00:02:28.047 line:6% align:center TODAY, BECAUSE IT'S NOT          COLDER, WH                       00:02:28.047 --> 00:02:28.081 line:6% align:center TODAY, BECAUSE IT'S NOT          COLDER, WHIC                     00:02:28.081 --> 00:02:28.114 line:6% align:center TODAY, BECAUSE IT'S NOT          COLDER, WHICH                    00:02:28.114 --> 00:02:28.148 line:6% align:center TODAY, BECAUSE IT'S NOT          COLDER, WHICH CA                 00:02:28.148 --> 00:02:28.314 line:6% align:center TODAY, BECAUSE IT'S NOT          COLDER, WHICH CAN                00:02:28.314 --> 00:02:28.348 line:6% align:center TODAY, BECAUSE IT'S NOT          COLDER, WHICH CAN EA             00:02:28.348 --> 00:02:28.381 line:6% align:center TODAY, BECAUSE IT'S NOT          COLDER, WHICH CAN EASI           00:02:28.381 --> 00:02:28.414 line:6% align:center TODAY, BECAUSE IT'S NOT          COLDER, WHICH CAN EASILY         00:02:28.414 --> 00:02:29.482 line:6% align:center TODAY, BECAUSE IT'S NOT          COLDER, WHICH CAN EASILY         00:02:29.482 --> 00:02:29.616 line:6% align:center COLDER, WHICH CAN EASILY         00:02:29.616 --> 00:02:29.649 line:6% align:center COLDER, WHICH CAN EASILY         UN                               00:02:29.649 --> 00:02:29.682 line:6% align:center COLDER, WHICH CAN EASILY         UNDE                             00:02:29.682 --> 00:02:29.716 line:6% align:center COLDER, WHICH CAN EASILY         UNDERS                           00:02:29.716 --> 00:02:29.749 line:6% align:center COLDER, WHICH CAN EASILY         UNDERSTA                         00:02:29.749 --> 00:02:29.782 line:6% align:center COLDER, WHICH CAN EASILY         UNDERSTAND                       00:02:29.782 --> 00:02:29.816 line:6% align:center COLDER, WHICH CAN EASILY         UNDERSTAND W                     00:02:29.816 --> 00:02:29.849 line:6% align:center COLDER, WHICH CAN EASILY         UNDERSTAND WHA                   00:02:29.849 --> 00:02:29.883 line:6% align:center COLDER, WHICH CAN EASILY         UNDERSTAND WHAT                  00:02:29.883 --> 00:02:29.916 line:6% align:center COLDER, WHICH CAN EASILY         UNDERSTAND WHAT IS               00:02:29.916 --> 00:02:29.949 line:6% align:center COLDER, WHICH CAN EASILY         UNDERSTAND WHAT IS G             00:02:29.949 --> 00:02:29.983 line:6% align:center COLDER, WHICH CAN EASILY         UNDERSTAND WHAT IS GOI           00:02:29.983 --> 00:02:30.016 line:6% align:center COLDER, WHICH CAN EASILY         UNDERSTAND WHAT IS GOING         00:02:30.016 --> 00:02:30.049 line:6% align:center COLDER, WHICH CAN EASILY         UNDERSTAND WHAT IS GOING T       00:02:30.049 --> 00:02:30.083 line:6% align:center COLDER, WHICH CAN EASILY         UNDERSTAND WHAT IS GOING TO      00:02:30.083 --> 00:02:30.116 line:6% align:center COLDER, WHICH CAN EASILY         UNDERSTAND WHAT IS GOING TO BE   00:02:30.116 --> 00:02:30.216 line:6% align:center COLDER, WHICH CAN EASILY         UNDERSTAND WHAT IS GOING TO BE   00:02:30.216 --> 00:02:30.350 line:6% align:center UNDERSTAND WHAT IS GOING TO BE   00:02:30.350 --> 00:02:30.383 line:6% align:center UNDERSTAND WHAT IS GOING TO BE   TH                               00:02:30.383 --> 00:02:30.416 line:6% align:center UNDERSTAND WHAT IS GOING TO BE   THEI                             00:02:30.416 --> 00:02:30.450 line:6% align:center UNDERSTAND WHAT IS GOING TO BE   THEIR                            00:02:30.450 --> 00:02:30.483 line:6% align:center UNDERSTAND WHAT IS GOING TO BE   THEIR LE                         00:02:30.483 --> 00:02:30.517 line:6% align:center UNDERSTAND WHAT IS GOING TO BE   THEIR LEVE                       00:02:30.517 --> 00:02:30.550 line:6% align:center UNDERSTAND WHAT IS GOING TO BE   THEIR LEVEL                      00:02:30.550 --> 00:02:30.583 line:6% align:center UNDERSTAND WHAT IS GOING TO BE   THEIR LEVEL OF                   00:02:30.583 --> 00:02:31.384 line:6% align:center UNDERSTAND WHAT IS GOING TO BE   THEIR LEVEL OF                   00:02:31.384 --> 00:02:31.417 line:6% align:center UNDERSTAND WHAT IS GOING TO BE   THEIR LEVEL OF SP                00:02:31.417 --> 00:02:31.451 line:6% align:center UNDERSTAND WHAT IS GOING TO BE   THEIR LEVEL OF SPEN              00:02:31.451 --> 00:02:31.484 line:6% align:center UNDERSTAND WHAT IS GOING TO BE   THEIR LEVEL OF SPENDI            00:02:31.484 --> 00:02:31.518 line:6% align:center UNDERSTAND WHAT IS GOING TO BE   THEIR LEVEL OF SPENDING          00:02:31.518 --> 00:02:31.551 line:6% align:center UNDERSTAND WHAT IS GOING TO BE   THEIR LEVEL OF SPENDING M        00:02:31.551 --> 00:02:31.584 line:6% align:center UNDERSTAND WHAT IS GOING TO BE   THEIR LEVEL OF SPENDING MOR      00:02:31.584 --> 00:02:31.618 line:6% align:center UNDERSTAND WHAT IS GOING TO BE   THEIR LEVEL OF SPENDING MORE,    00:02:31.618 --> 00:02:31.718 line:6% align:center UNDERSTAND WHAT IS GOING TO BE   THEIR LEVEL OF SPENDING MORE,    00:02:31.718 --> 00:02:31.851 line:6% align:center THEIR LEVEL OF SPENDING MORE,    00:02:31.851 --> 00:02:31.885 line:6% align:center THEIR LEVEL OF SPENDING MORE,    BU                               00:02:31.885 --> 00:02:31.918 line:6% align:center THEIR LEVEL OF SPENDING MORE,    BUT                              00:02:31.918 --> 00:02:31.951 line:6% align:center THEIR LEVEL OF SPENDING MORE,    BUT TH                           00:02:31.951 --> 00:02:31.985 line:6% align:center THEIR LEVEL OF SPENDING MORE,    BUT THEY                         00:02:31.985 --> 00:02:32.018 line:6% align:center THEIR LEVEL OF SPENDING MORE,    BUT THEY N                       00:02:32.018 --> 00:02:32.051 line:6% align:center THEIR LEVEL OF SPENDING MORE,    BUT THEY NEE                     00:02:32.051 --> 00:02:32.085 line:6% align:center THEIR LEVEL OF SPENDING MORE,    BUT THEY NEED                    00:02:32.085 --> 00:02:32.118 line:6% align:center THEIR LEVEL OF SPENDING MORE,    BUT THEY NEED AS                 00:02:32.118 --> 00:02:32.452 line:6% align:center THEIR LEVEL OF SPENDING MORE,    BUT THEY NEED AS                 00:02:32.452 --> 00:02:32.485 line:6% align:center THEIR LEVEL OF SPENDING MORE,    BUT THEY NEED AS TH              00:02:32.485 --> 00:02:32.519 line:6% align:center THEIR LEVEL OF SPENDING MORE,    BUT THEY NEED AS THEY            00:02:32.519 --> 00:02:32.552 line:6% align:center THEIR LEVEL OF SPENDING MORE,    BUT THEY NEED AS THEY G          00:02:32.552 --> 00:02:32.585 line:6% align:center THEIR LEVEL OF SPENDING MORE,    BUT THEY NEED AS THEY GET        00:02:32.585 --> 00:02:32.619 line:6% align:center THEIR LEVEL OF SPENDING MORE,    BUT THEY NEED AS THEY GET I      00:02:32.619 --> 00:02:32.652 line:6% align:center THEIR LEVEL OF SPENDING MORE,    BUT THEY NEED AS THEY GET INT    00:02:32.652 --> 00:02:32.752 line:6% align:center THEIR LEVEL OF SPENDING MORE,    BUT THEY NEED AS THEY GET INTO   00:02:32.752 --> 00:02:32.886 line:6% align:center BUT THEY NEED AS THEY GET INTO   00:02:32.886 --> 00:02:32.919 line:6% align:center BUT THEY NEED AS THEY GET INTO   RE                               00:02:32.919 --> 00:02:32.952 line:6% align:center BUT THEY NEED AS THEY GET INTO   RETI                             00:02:32.952 --> 00:02:32.986 line:6% align:center BUT THEY NEED AS THEY GET INTO   RETIRE                           00:02:32.986 --> 00:02:33.019 line:6% align:center BUT THEY NEED AS THEY GET INTO   RETIREME                         00:02:33.019 --> 00:02:33.052 line:6% align:center BUT THEY NEED AS THEY GET INTO   RETIREMENT                       00:02:33.052 --> 00:02:33.086 line:6% align:center BUT THEY NEED AS THEY GET INTO   RETIREMENT.                      00:02:33.086 --> 00:02:33.119 line:6% align:center BUT THEY NEED AS THEY GET INTO   RETIREMENT. SO                   00:02:33.119 --> 00:02:33.153 line:6% align:center BUT THEY NEED AS THEY GET INTO   RETIREMENT. SO                   00:02:33.153 --> 00:02:33.186 line:6% align:center BUT THEY NEED AS THEY GET INTO   RETIREMENT. SO I                 00:02:33.186 --> 00:02:33.219 line:6% align:center BUT THEY NEED AS THEY GET INTO   RETIREMENT. SO I TH              00:02:33.219 --> 00:02:33.253 line:6% align:center BUT THEY NEED AS THEY GET INTO   RETIREMENT. SO I THIN            00:02:33.253 --> 00:02:33.386 line:6% align:center BUT THEY NEED AS THEY GET INTO   RETIREMENT. SO I THINK           00:02:33.386 --> 00:02:33.520 line:6% align:center RETIREMENT. SO I THINK           00:02:33.520 --> 00:02:33.553 line:6% align:center RETIREMENT. SO I THINK           ST                               00:02:33.553 --> 00:02:33.586 line:6% align:center RETIREMENT. SO I THINK           STAR                             00:02:33.586 --> 00:02:33.620 line:6% align:center RETIREMENT. SO I THINK           STARTI                           00:02:33.620 --> 00:02:33.653 line:6% align:center RETIREMENT. SO I THINK           STARTING                         00:02:33.653 --> 00:02:33.686 line:6% align:center RETIREMENT. SO I THINK           STARTING I                       00:02:33.686 --> 00:02:33.720 line:6% align:center RETIREMENT. SO I THINK           STARTING IN                      00:02:33.720 --> 00:02:33.753 line:6% align:center RETIREMENT. SO I THINK           STARTING IN TH                   00:02:33.753 --> 00:02:33.786 line:6% align:center RETIREMENT. SO I THINK           STARTING IN THER                 00:02:33.786 --> 00:02:33.820 line:6% align:center RETIREMENT. SO I THINK           STARTING IN THERE,               00:02:33.820 --> 00:02:33.853 line:6% align:center RETIREMENT. SO I THINK           STARTING IN THERE, I             00:02:33.853 --> 00:02:33.920 line:6% align:center RETIREMENT. SO I THINK           STARTING IN THERE, I             00:02:33.920 --> 00:02:33.953 line:6% align:center RETIREMENT. SO I THINK           STARTING IN THERE, I TH          00:02:33.953 --> 00:02:33.987 line:6% align:center RETIREMENT. SO I THINK           STARTING IN THERE, I THIN        00:02:33.987 --> 00:02:34.020 line:6% align:center RETIREMENT. SO I THINK           STARTING IN THERE, I THINK       00:02:34.020 --> 00:02:34.120 line:6% align:center RETIREMENT. SO I THINK           STARTING IN THERE, I THINK A     00:02:34.120 --> 00:02:34.254 line:6% align:center STARTING IN THERE, I THINK A     00:02:34.254 --> 00:02:34.287 line:6% align:center STARTING IN THERE, I THINK A     PL                               00:02:34.287 --> 00:02:34.320 line:6% align:center STARTING IN THERE, I THINK A     PLAC                             00:02:34.320 --> 00:02:34.354 line:6% align:center STARTING IN THERE, I THINK A     PLACE                            00:02:34.354 --> 00:02:34.387 line:6% align:center STARTING IN THERE, I THINK A     PLACE FO                         00:02:34.387 --> 00:02:34.420 line:6% align:center STARTING IN THERE, I THINK A     PLACE FOR                        00:02:34.420 --> 00:02:34.454 line:6% align:center STARTING IN THERE, I THINK A     PLACE FOR MO                     00:02:34.454 --> 00:02:34.487 line:6% align:center STARTING IN THERE, I THINK A     PLACE FOR MOST                   00:02:34.487 --> 00:02:34.521 line:6% align:center STARTING IN THERE, I THINK A     PLACE FOR MOST C                 00:02:34.521 --> 00:02:34.554 line:6% align:center STARTING IN THERE, I THINK A     PLACE FOR MOST CAN               00:02:34.554 --> 00:02:34.587 line:6% align:center STARTING IN THERE, I THINK A     PLACE FOR MOST CANAD             00:02:34.587 --> 00:02:34.621 line:6% align:center STARTING IN THERE, I THINK A     PLACE FOR MOST CANADIA           00:02:34.621 --> 00:02:34.654 line:6% align:center STARTING IN THERE, I THINK A     PLACE FOR MOST CANADIANS         00:02:34.654 --> 00:02:34.687 line:6% align:center STARTING IN THERE, I THINK A     PLACE FOR MOST CANADIANS T       00:02:34.687 --> 00:02:34.787 line:6% align:center STARTING IN THERE, I THINK A     PLACE FOR MOST CANADIANS TO      00:02:34.787 --> 00:02:34.921 line:6% align:center PLACE FOR MOST CANADIANS TO      00:02:34.921 --> 00:02:34.954 line:6% align:center PLACE FOR MOST CANADIANS TO      TH                               00:02:34.954 --> 00:02:34.988 line:6% align:center PLACE FOR MOST CANADIANS TO      THIN                             00:02:34.988 --> 00:02:35.021 line:6% align:center PLACE FOR MOST CANADIANS TO      THINK                            00:02:35.021 --> 00:02:35.054 line:6% align:center PLACE FOR MOST CANADIANS TO      THINK AB                         00:02:35.054 --> 00:02:35.088 line:6% align:center PLACE FOR MOST CANADIANS TO      THINK ABOU                       00:02:35.088 --> 00:02:35.121 line:6% align:center PLACE FOR MOST CANADIANS TO      THINK ABOUT                      00:02:35.121 --> 00:02:35.155 line:6% align:center PLACE FOR MOST CANADIANS TO      THINK ABOUT TH                   00:02:35.155 --> 00:02:35.188 line:6% align:center PLACE FOR MOST CANADIANS TO      THINK ABOUT THEI                 00:02:35.188 --> 00:02:35.221 line:6% align:center PLACE FOR MOST CANADIANS TO      THINK ABOUT THEIR                00:02:35.221 --> 00:02:35.255 line:6% align:center PLACE FOR MOST CANADIANS TO      THINK ABOUT THEIR RE             00:02:35.255 --> 00:02:35.288 line:6% align:center PLACE FOR MOST CANADIANS TO      THINK ABOUT THEIR RETI           00:02:35.288 --> 00:02:35.321 line:6% align:center PLACE FOR MOST CANADIANS TO      THINK ABOUT THEIR RETIRE         00:02:35.321 --> 00:02:35.355 line:6% align:center PLACE FOR MOST CANADIANS TO      THINK ABOUT THEIR RETIREME       00:02:35.355 --> 00:02:35.388 line:6% align:center PLACE FOR MOST CANADIANS TO      THINK ABOUT THEIR RETIREMENT     00:02:35.388 --> 00:02:35.955 line:6% align:center PLACE FOR MOST CANADIANS TO      THINK ABOUT THEIR RETIREMENT     00:02:35.955 --> 00:02:36.089 line:6% align:center THINK ABOUT THEIR RETIREMENT     00:02:36.089 --> 00:02:36.122 line:6% align:center THINK ABOUT THEIR RETIREMENT     IN                               00:02:36.122 --> 00:02:36.990 line:6% align:center THINK ABOUT THEIR RETIREMENT     IN                               00:02:36.990 --> 00:02:37.123 line:6% align:center IN                               00:02:37.123 --> 00:02:37.157 line:6% align:center IN                               >>                               00:02:37.157 --> 00:02:37.190 line:6% align:center IN                               >> Y                             00:02:37.190 --> 00:02:37.223 line:6% align:center IN                               >> YES                           00:02:37.223 --> 00:02:37.257 line:6% align:center IN                               >> YES,                          00:02:37.257 --> 00:02:37.290 line:6% align:center IN                               >> YES, SO                       00:02:37.290 --> 00:02:37.323 line:6% align:center IN                               >> YES, SO W                     00:02:37.323 --> 00:02:37.357 line:6% align:center IN                               >> YES, SO WHA                   00:02:37.357 --> 00:02:37.390 line:6% align:center IN                               >> YES, SO WHAT                  00:02:37.390 --> 00:02:37.423 line:6% align:center IN                               >> YES, SO WHAT AR               00:02:37.423 --> 00:02:37.457 line:6% align:center IN                               >> YES, SO WHAT ARE              00:02:37.457 --> 00:02:37.490 line:6% align:center IN                               >> YES, SO WHAT ARE SO           00:02:37.490 --> 00:02:37.524 line:6% align:center IN                               >> YES, SO WHAT ARE SOME         00:02:37.524 --> 00:02:38.024 line:6% align:center IN                               >> YES, SO WHAT ARE SOME         00:02:38.024 --> 00:02:38.057 line:6% align:center IN                               >> YES, SO WHAT ARE SOME OF      00:02:38.057 --> 00:02:38.158 line:6% align:center IN                               >> YES, SO WHAT ARE SOME OF      00:02:38.158 --> 00:02:38.291 line:6% align:center >> YES, SO WHAT ARE SOME OF      00:02:38.291 --> 00:02:38.324 line:6% align:center >> YES, SO WHAT ARE SOME OF      TH                               00:02:38.324 --> 00:02:38.825 line:6% align:center >> YES, SO WHAT ARE SOME OF      THE                              00:02:38.825 --> 00:02:38.858 line:6% align:center >> YES, SO WHAT ARE SOME OF      THE WA                           00:02:38.858 --> 00:02:38.892 line:6% align:center >> YES, SO WHAT ARE SOME OF      THE WAYS                         00:02:38.892 --> 00:02:38.925 line:6% align:center >> YES, SO WHAT ARE SOME OF      THE WAYS T                       00:02:38.925 --> 00:02:38.958 line:6% align:center >> YES, SO WHAT ARE SOME OF      THE WAYS THA                     00:02:38.958 --> 00:02:38.992 line:6% align:center >> YES, SO WHAT ARE SOME OF      THE WAYS THAT                    00:02:38.992 --> 00:02:39.025 line:6% align:center >> YES, SO WHAT ARE SOME OF      THE WAYS THAT YE                 00:02:39.025 --> 00:02:39.058 line:6% align:center >> YES, SO WHAT ARE SOME OF      THE WAYS THAT YEAH               00:02:39.058 --> 00:02:39.826 line:6% align:center >> YES, SO WHAT ARE SOME OF      THE WAYS THAT YEAH,              00:02:39.826 --> 00:02:39.859 line:6% align:center >> YES, SO WHAT ARE SOME OF      THE WAYS THAT YEAH, YO           00:02:39.859 --> 00:02:40.827 line:6% align:center >> YES, SO WHAT ARE SOME OF      THE WAYS THAT YEAH, YOU          00:02:40.827 --> 00:02:40.860 line:6% align:center >> YES, SO WHAT ARE SOME OF      THE WAYS THAT YEAH, YOU TH       00:02:40.860 --> 00:02:40.894 line:6% align:center >> YES, SO WHAT ARE SOME OF      THE WAYS THAT YEAH, YOU THER     00:02:40.894 --> 00:02:41.928 line:6% align:center >> YES, SO WHAT ARE SOME OF      THE WAYS THAT YEAH, YOU THERE    00:02:41.928 --> 00:02:42.061 line:6% align:center THE WAYS THAT YEAH, YOU THERE    00:02:42.061 --> 00:02:42.095 line:6% align:center THE WAYS THAT YEAH, YOU THERE    CO                               00:02:42.095 --> 00:02:42.128 line:6% align:center THE WAYS THAT YEAH, YOU THERE    COUL                             00:02:42.128 --> 00:02:42.162 line:6% align:center THE WAYS THAT YEAH, YOU THERE    COULD                            00:02:42.162 --> 00:02:42.195 line:6% align:center THE WAYS THAT YEAH, YOU THERE    COULD BE                         00:02:42.195 --> 00:02:42.929 line:6% align:center THE WAYS THAT YEAH, YOU THERE    COULD BE                         00:02:42.929 --> 00:02:42.962 line:6% align:center THE WAYS THAT YEAH, YOU THERE    COULD BE HE                      00:02:42.962 --> 00:02:42.996 line:6% align:center THE WAYS THAT YEAH, YOU THERE    COULD BE HELD                    00:02:42.996 --> 00:02:43.029 line:6% align:center THE WAYS THAT YEAH, YOU THERE    COULD BE HELD 4                  00:02:43.029 --> 00:02:43.062 line:6% align:center THE WAYS THAT YEAH, YOU THERE    COULD BE HELD 4 C                00:02:43.062 --> 00:02:43.096 line:6% align:center THE WAYS THAT YEAH, YOU THERE    COULD BE HELD 4 CAN              00:02:43.096 --> 00:02:43.129 line:6% align:center THE WAYS THAT YEAH, YOU THERE    COULD BE HELD 4 CANAD            00:02:43.129 --> 00:02:43.163 line:6% align:center THE WAYS THAT YEAH, YOU THERE    COULD BE HELD 4 CANADIA          00:02:43.163 --> 00:02:43.196 line:6% align:center THE WAYS THAT YEAH, YOU THERE    COULD BE HELD 4 CANADIANS        00:02:43.196 --> 00:02:43.229 line:6% align:center THE WAYS THAT YEAH, YOU THERE    COULD BE HELD 4 CANADIANS I      00:02:43.229 --> 00:02:43.329 line:6% align:center THE WAYS THAT YEAH, YOU THERE    COULD BE HELD 4 CANADIANS IN     00:02:43.329 --> 00:02:43.463 line:6% align:center COULD BE HELD 4 CANADIANS IN     00:02:43.463 --> 00:02:43.496 line:6% align:center COULD BE HELD 4 CANADIANS IN     OR                               00:02:43.496 --> 00:02:43.530 line:6% align:center COULD BE HELD 4 CANADIANS IN     ORDE                             00:02:43.530 --> 00:02:43.563 line:6% align:center COULD BE HELD 4 CANADIANS IN     ORDER                            00:02:43.563 --> 00:02:43.596 line:6% align:center COULD BE HELD 4 CANADIANS IN     ORDER TO                         00:02:43.596 --> 00:02:43.630 line:6% align:center COULD BE HELD 4 CANADIANS IN     ORDER TO B                       00:02:43.630 --> 00:02:43.663 line:6% align:center COULD BE HELD 4 CANADIANS IN     ORDER TO BE                      00:02:43.663 --> 00:02:43.696 line:6% align:center COULD BE HELD 4 CANADIANS IN     ORDER TO BE AB                   00:02:43.696 --> 00:02:43.730 line:6% align:center COULD BE HELD 4 CANADIANS IN     ORDER TO BE ABLE                 00:02:43.730 --> 00:02:43.763 line:6% align:center COULD BE HELD 4 CANADIANS IN     ORDER TO BE ABLE T               00:02:43.763 --> 00:02:43.796 line:6% align:center COULD BE HELD 4 CANADIANS IN     ORDER TO BE ABLE TO              00:02:43.796 --> 00:02:43.830 line:6% align:center COULD BE HELD 4 CANADIANS IN     ORDER TO BE ABLE TO DO           00:02:43.830 --> 00:02:43.863 line:6% align:center COULD BE HELD 4 CANADIANS IN     ORDER TO BE ABLE TO DO           00:02:43.863 --> 00:02:43.897 line:6% align:center COULD BE HELD 4 CANADIANS IN     ORDER TO BE ABLE TO DO TH        00:02:43.897 --> 00:02:43.930 line:6% align:center COULD BE HELD 4 CANADIANS IN     ORDER TO BE ABLE TO DO THAT      00:02:43.930 --> 00:02:44.030 line:6% align:center COULD BE HELD 4 CANADIANS IN     ORDER TO BE ABLE TO DO THAT      00:02:44.030 --> 00:02:44.164 line:6% align:center ORDER TO BE ABLE TO DO THAT      00:02:44.164 --> 00:02:44.197 line:6% align:center ORDER TO BE ABLE TO DO THAT      BE                               00:02:44.197 --> 00:02:44.230 line:6% align:center ORDER TO BE ABLE TO DO THAT      BETT                             00:02:44.230 --> 00:02:44.264 line:6% align:center ORDER TO BE ABLE TO DO THAT      BETTER                           00:02:44.264 --> 00:02:44.297 line:6% align:center ORDER TO BE ABLE TO DO THAT      BETTER T                         00:02:44.297 --> 00:02:44.330 line:6% align:center ORDER TO BE ABLE TO DO THAT      BETTER TO                        00:02:44.330 --> 00:02:44.364 line:6% align:center ORDER TO BE ABLE TO DO THAT      BETTER TO MA                     00:02:44.364 --> 00:02:44.397 line:6% align:center ORDER TO BE ABLE TO DO THAT      BETTER TO MAKE                   00:02:44.397 --> 00:02:44.430 line:6% align:center ORDER TO BE ABLE TO DO THAT      BETTER TO MAKE I                 00:02:44.430 --> 00:02:44.464 line:6% align:center ORDER TO BE ABLE TO DO THAT      BETTER TO MAKE IT                00:02:44.464 --> 00:02:44.497 line:6% align:center ORDER TO BE ABLE TO DO THAT      BETTER TO MAKE IT MO             00:02:44.497 --> 00:02:44.531 line:6% align:center ORDER TO BE ABLE TO DO THAT      BETTER TO MAKE IT MORE           00:02:44.531 --> 00:02:46.099 line:6% align:center ORDER TO BE ABLE TO DO THAT      BETTER TO MAKE IT MORE           00:02:46.099 --> 00:02:46.232 line:6% align:center BETTER TO MAKE IT MORE           00:02:46.232 --> 00:02:46.266 line:6% align:center BETTER TO MAKE IT MORE           AC                               00:02:46.266 --> 00:02:46.299 line:6% align:center BETTER TO MAKE IT MORE           ACCE                             00:02:46.299 --> 00:02:46.332 line:6% align:center BETTER TO MAKE IT MORE           ACCESS                           00:02:46.332 --> 00:02:46.366 line:6% align:center BETTER TO MAKE IT MORE           ACCESSIB                         00:02:46.366 --> 00:02:46.399 line:6% align:center BETTER TO MAKE IT MORE           ACCESSIBLE                       00:02:46.399 --> 00:02:46.432 line:6% align:center BETTER TO MAKE IT MORE           ACCESSIBLE T                     00:02:46.432 --> 00:02:46.833 line:6% align:center BETTER TO MAKE IT MORE           ACCESSIBLE TO                    00:02:46.833 --> 00:02:46.866 line:6% align:center BETTER TO MAKE IT MORE           ACCESSIBLE TO TR                 00:02:46.866 --> 00:02:46.900 line:6% align:center BETTER TO MAKE IT MORE           ACCESSIBLE TO TRY                00:02:46.900 --> 00:02:46.933 line:6% align:center BETTER TO MAKE IT MORE           ACCESSIBLE TO TRY TO             00:02:46.933 --> 00:02:46.966 line:6% align:center BETTER TO MAKE IT MORE           ACCESSIBLE TO TRY TO F           00:02:46.966 --> 00:02:47.000 line:6% align:center BETTER TO MAKE IT MORE           ACCESSIBLE TO TRY TO FIG         00:02:47.000 --> 00:02:47.033 line:6% align:center BETTER TO MAKE IT MORE           ACCESSIBLE TO TRY TO FIGUR       00:02:47.033 --> 00:02:47.867 line:6% align:center BETTER TO MAKE IT MORE           ACCESSIBLE TO TRY TO FIGURE      00:02:47.867 --> 00:02:48.001 line:6% align:center ACCESSIBLE TO TRY TO FIGURE      00:02:48.001 --> 00:02:48.034 line:6% align:center ACCESSIBLE TO TRY TO FIGURE      OU                               00:02:48.034 --> 00:02:48.067 line:6% align:center ACCESSIBLE TO TRY TO FIGURE      OUT                              00:02:48.067 --> 00:02:48.101 line:6% align:center ACCESSIBLE TO TRY TO FIGURE      OUT TH                           00:02:48.101 --> 00:02:48.134 line:6% align:center ACCESSIBLE TO TRY TO FIGURE      OUT THOS                         00:02:48.134 --> 00:02:48.168 line:6% align:center ACCESSIBLE TO TRY TO FIGURE      OUT THOSE                        00:02:48.168 --> 00:02:48.201 line:6% align:center ACCESSIBLE TO TRY TO FIGURE      OUT THOSE CA                     00:02:48.201 --> 00:02:48.234 line:6% align:center ACCESSIBLE TO TRY TO FIGURE      OUT THOSE CALC                   00:02:48.234 --> 00:02:48.268 line:6% align:center ACCESSIBLE TO TRY TO FIGURE      OUT THOSE CALCUL                 00:02:48.268 --> 00:02:48.301 line:6% align:center ACCESSIBLE TO TRY TO FIGURE      OUT THOSE CALCULAT               00:02:48.301 --> 00:02:48.334 line:6% align:center ACCESSIBLE TO TRY TO FIGURE      OUT THOSE CALCULATIO             00:02:48.334 --> 00:02:48.368 line:6% align:center ACCESSIBLE TO TRY TO FIGURE      OUT THOSE CALCULATIONS           00:02:48.368 --> 00:02:48.735 line:6% align:center ACCESSIBLE TO TRY TO FIGURE      OUT THOSE CALCULATIONS           00:02:48.735 --> 00:02:48.768 line:6% align:center ACCESSIBLE TO TRY TO FIGURE      OUT THOSE CALCULATIONS AN        00:02:48.768 --> 00:02:48.801 line:6% align:center ACCESSIBLE TO TRY TO FIGURE      OUT THOSE CALCULATIONS AND       00:02:48.801 --> 00:02:48.835 line:6% align:center ACCESSIBLE TO TRY TO FIGURE      OUT THOSE CALCULATIONS AND AN    00:02:48.835 --> 00:02:48.935 line:6% align:center ACCESSIBLE TO TRY TO FIGURE      OUT THOSE CALCULATIONS AND AND   00:02:48.935 --> 00:02:49.068 line:6% align:center OUT THOSE CALCULATIONS AND AND   00:02:49.068 --> 00:02:49.102 line:6% align:center OUT THOSE CALCULATIONS AND AND   GE                               00:02:49.102 --> 00:02:49.269 line:6% align:center OUT THOSE CALCULATIONS AND AND   GET                              00:02:49.269 --> 00:02:49.302 line:6% align:center OUT THOSE CALCULATIONS AND AND   GET AS                           00:02:49.302 --> 00:02:49.335 line:6% align:center OUT THOSE CALCULATIONS AND AND   GET ASSI                         00:02:49.335 --> 00:02:49.369 line:6% align:center OUT THOSE CALCULATIONS AND AND   GET ASSIST                       00:02:49.369 --> 00:02:49.402 line:6% align:center OUT THOSE CALCULATIONS AND AND   GET ASSISTAN                     00:02:49.402 --> 00:02:49.435 line:6% align:center OUT THOSE CALCULATIONS AND AND   GET ASSISTANCE                   00:02:49.435 --> 00:02:49.469 line:6% align:center OUT THOSE CALCULATIONS AND AND   GET ASSISTANCE                   00:02:49.469 --> 00:02:49.502 line:6% align:center OUT THOSE CALCULATIONS AND AND   GET ASSISTANCE IN                00:02:49.502 --> 00:02:49.536 line:6% align:center OUT THOSE CALCULATIONS AND AND   GET ASSISTANCE IN                00:02:49.536 --> 00:02:49.569 line:6% align:center OUT THOSE CALCULATIONS AND AND   GET ASSISTANCE IN IN             00:02:49.569 --> 00:02:49.602 line:6% align:center OUT THOSE CALCULATIONS AND AND   GET ASSISTANCE IN IN             00:02:49.602 --> 00:02:49.636 line:6% align:center OUT THOSE CALCULATIONS AND AND   GET ASSISTANCE IN IN DO          00:02:49.636 --> 00:02:49.669 line:6% align:center OUT THOSE CALCULATIONS AND AND   GET ASSISTANCE IN IN DOIN        00:02:49.669 --> 00:02:49.702 line:6% align:center OUT THOSE CALCULATIONS AND AND   GET ASSISTANCE IN IN DOING       00:02:49.702 --> 00:02:49.736 line:6% align:center OUT THOSE CALCULATIONS AND AND   GET ASSISTANCE IN IN DOING SO    00:02:49.736 --> 00:02:55.308 line:6% align:center OUT THOSE CALCULATIONS AND AND   GET ASSISTANCE IN IN DOING SO.   00:02:55.308 --> 00:02:55.441 line:6% align:center GET ASSISTANCE IN IN DOING SO.   00:02:55.441 --> 00:02:55.475 line:6% align:center GET ASSISTANCE IN IN DOING SO.   >>                               00:02:55.475 --> 00:02:55.508 line:6% align:center GET ASSISTANCE IN IN DOING SO.   >> S                             00:02:55.508 --> 00:02:55.542 line:6% align:center GET ASSISTANCE IN IN DOING SO.   >> SO                            00:02:55.542 --> 00:02:55.575 line:6% align:center GET ASSISTANCE IN IN DOING SO.   >> SO OU                         00:02:55.575 --> 00:02:55.608 line:6% align:center GET ASSISTANCE IN IN DOING SO.   >> SO OUR                        00:02:55.608 --> 00:02:55.642 line:6% align:center GET ASSISTANCE IN IN DOING SO.   >> SO OUR RE                     00:02:55.642 --> 00:02:55.675 line:6% align:center GET ASSISTANCE IN IN DOING SO.   >> SO OUR REPO                   00:02:55.675 --> 00:02:55.708 line:6% align:center GET ASSISTANCE IN IN DOING SO.   >> SO OUR REPORT                 00:02:55.708 --> 00:02:55.742 line:6% align:center GET ASSISTANCE IN IN DOING SO.   >> SO OUR REPORT I               00:02:55.742 --> 00:02:56.009 line:6% align:center GET ASSISTANCE IN IN DOING SO.   >> SO OUR REPORT IS              00:02:56.009 --> 00:02:56.042 line:6% align:center GET ASSISTANCE IN IN DOING SO.   >> SO OUR REPORT IS AC           00:02:56.042 --> 00:02:56.075 line:6% align:center GET ASSISTANCE IN IN DOING SO.   >> SO OUR REPORT IS ACTU         00:02:56.075 --> 00:02:56.109 line:6% align:center GET ASSISTANCE IN IN DOING SO.   >> SO OUR REPORT IS ACTUAL       00:02:56.109 --> 00:02:56.142 line:6% align:center GET ASSISTANCE IN IN DOING SO.   >> SO OUR REPORT IS ACTUALLY     00:02:56.142 --> 00:02:56.242 line:6% align:center GET ASSISTANCE IN IN DOING SO.   >> SO OUR REPORT IS ACTUALLY     00:02:56.242 --> 00:02:56.376 line:6% align:center >> SO OUR REPORT IS ACTUALLY     00:02:56.376 --> 00:02:56.409 line:6% align:center >> SO OUR REPORT IS ACTUALLY     AS                               00:02:56.409 --> 00:02:56.976 line:6% align:center >> SO OUR REPORT IS ACTUALLY     AS                               00:02:56.976 --> 00:02:57.010 line:6% align:center >> SO OUR REPORT IS ACTUALLY     AS MU                            00:02:57.010 --> 00:02:57.043 line:6% align:center >> SO OUR REPORT IS ACTUALLY     AS MUCH                          00:02:57.043 --> 00:02:57.076 line:6% align:center >> SO OUR REPORT IS ACTUALLY     AS MUCH A                        00:02:57.076 --> 00:02:57.110 line:6% align:center >> SO OUR REPORT IS ACTUALLY     AS MUCH AS                       00:02:57.110 --> 00:02:57.143 line:6% align:center >> SO OUR REPORT IS ACTUALLY     AS MUCH AS IT                    00:02:57.143 --> 00:02:57.177 line:6% align:center >> SO OUR REPORT IS ACTUALLY     AS MUCH AS IT I                  00:02:57.177 --> 00:02:57.210 line:6% align:center >> SO OUR REPORT IS ACTUALLY     AS MUCH AS IT IS                 00:02:57.210 --> 00:02:58.077 line:6% align:center >> SO OUR REPORT IS ACTUALLY     AS MUCH AS IT IS A               00:02:58.077 --> 00:02:58.111 line:6% align:center >> SO OUR REPORT IS ACTUALLY     AS MUCH AS IT IS A RE            00:02:58.111 --> 00:02:58.144 line:6% align:center >> SO OUR REPORT IS ACTUALLY     AS MUCH AS IT IS A REMI          00:02:58.144 --> 00:02:58.178 line:6% align:center >> SO OUR REPORT IS ACTUALLY     AS MUCH AS IT IS A REMIND        00:02:58.178 --> 00:02:58.211 line:6% align:center >> SO OUR REPORT IS ACTUALLY     AS MUCH AS IT IS A REMINDER      00:02:58.211 --> 00:02:58.244 line:6% align:center >> SO OUR REPORT IS ACTUALLY     AS MUCH AS IT IS A REMINDER T    00:02:58.244 --> 00:02:59.078 line:6% align:center >> SO OUR REPORT IS ACTUALLY     AS MUCH AS IT IS A REMINDER TO   00:02:59.078 --> 00:02:59.212 line:6% align:center AS MUCH AS IT IS A REMINDER TO   00:02:59.212 --> 00:02:59.245 line:6% align:center AS MUCH AS IT IS A REMINDER TO   CA                               00:02:59.245 --> 00:02:59.279 line:6% align:center AS MUCH AS IT IS A REMINDER TO   CANA                             00:02:59.279 --> 00:02:59.312 line:6% align:center AS MUCH AS IT IS A REMINDER TO   CANADI                           00:02:59.312 --> 00:02:59.345 line:6% align:center AS MUCH AS IT IS A REMINDER TO   CANADIAN                         00:02:59.345 --> 00:02:59.379 line:6% align:center AS MUCH AS IT IS A REMINDER TO   CANADIANS                        00:02:59.379 --> 00:02:59.412 line:6% align:center AS MUCH AS IT IS A REMINDER TO   CANADIANS AN                     00:02:59.412 --> 00:02:59.445 line:6% align:center AS MUCH AS IT IS A REMINDER TO   CANADIANS AND                    00:02:59.445 --> 00:02:59.479 line:6% align:center AS MUCH AS IT IS A REMINDER TO   CANADIANS AND IS                 00:02:59.479 --> 00:03:00.046 line:6% align:center AS MUCH AS IT IS A REMINDER TO   CANADIANS AND IS                 00:03:00.046 --> 00:03:00.079 line:6% align:center AS MUCH AS IT IS A REMINDER TO   CANADIANS AND IS AL              00:03:00.079 --> 00:03:00.113 line:6% align:center AS MUCH AS IT IS A REMINDER TO   CANADIANS AND IS ALSO            00:03:00.113 --> 00:03:00.146 line:6% align:center AS MUCH AS IT IS A REMINDER TO   CANADIANS AND IS ALSO A          00:03:00.146 --> 00:03:00.180 line:6% align:center AS MUCH AS IT IS A REMINDER TO   CANADIANS AND IS ALSO A C        00:03:00.180 --> 00:03:00.213 line:6% align:center AS MUCH AS IT IS A REMINDER TO   CANADIANS AND IS ALSO A CAL      00:03:00.213 --> 00:03:00.313 line:6% align:center AS MUCH AS IT IS A REMINDER TO   CANADIANS AND IS ALSO A CALL     00:03:00.313 --> 00:03:00.446 line:6% align:center CANADIANS AND IS ALSO A CALL     00:03:00.446 --> 00:03:00.480 line:6% align:center CANADIANS AND IS ALSO A CALL     TO                               00:03:00.480 --> 00:03:01.047 line:6% align:center CANADIANS AND IS ALSO A CALL     TO                               00:03:01.047 --> 00:03:01.080 line:6% align:center CANADIANS AND IS ALSO A CALL     TO AC                            00:03:01.080 --> 00:03:01.114 line:6% align:center CANADIANS AND IS ALSO A CALL     TO ACTI                          00:03:01.114 --> 00:03:01.147 line:6% align:center CANADIANS AND IS ALSO A CALL     TO ACTION                        00:03:01.147 --> 00:03:01.181 line:6% align:center CANADIANS AND IS ALSO A CALL     TO ACTION F                      00:03:01.181 --> 00:03:01.214 line:6% align:center CANADIANS AND IS ALSO A CALL     TO ACTION FOR                    00:03:01.214 --> 00:03:01.247 line:6% align:center CANADIANS AND IS ALSO A CALL     TO ACTION FOR A                  00:03:01.247 --> 00:03:01.281 line:6% align:center CANADIANS AND IS ALSO A CALL     TO ACTION FOR ALL                00:03:01.281 --> 00:03:02.182 line:6% align:center CANADIANS AND IS ALSO A CALL     TO ACTION FOR ALL                00:03:02.182 --> 00:03:02.215 line:6% align:center CANADIANS AND IS ALSO A CALL     TO ACTION FOR ALL OF             00:03:02.215 --> 00:03:02.248 line:6% align:center CANADIANS AND IS ALSO A CALL     TO ACTION FOR ALL OF U           00:03:02.248 --> 00:03:02.282 line:6% align:center CANADIANS AND IS ALSO A CALL     TO ACTION FOR ALL OF US          00:03:02.282 --> 00:03:02.315 line:6% align:center CANADIANS AND IS ALSO A CALL     TO ACTION FOR ALL OF US IN       00:03:02.315 --> 00:03:03.983 line:6% align:center CANADIANS AND IS ALSO A CALL     TO ACTION FOR ALL OF US IN       00:03:03.983 --> 00:03:04.017 line:6% align:center CANADIANS AND IS ALSO A CALL     TO ACTION FOR ALL OF US IN TH    00:03:04.017 --> 00:03:04.117 line:6% align:center CANADIANS AND IS ALSO A CALL     TO ACTION FOR ALL OF US IN THE   00:03:04.117 --> 00:03:04.250 line:6% align:center TO ACTION FOR ALL OF US IN THE   00:03:04.250 --> 00:03:04.284 line:6% align:center TO ACTION FOR ALL OF US IN THE   VI                               00:03:04.284 --> 00:03:04.317 line:6% align:center TO ACTION FOR ALL OF US IN THE   VITA                             00:03:04.317 --> 00:03:04.350 line:6% align:center TO ACTION FOR ALL OF US IN THE   VITAL                            00:03:04.350 --> 00:03:04.384 line:6% align:center TO ACTION FOR ALL OF US IN THE   VITAL SE                         00:03:04.384 --> 00:03:04.417 line:6% align:center TO ACTION FOR ALL OF US IN THE   VITAL SERV                       00:03:04.417 --> 00:03:04.450 line:6% align:center TO ACTION FOR ALL OF US IN THE   VITAL SERVIC                     00:03:04.450 --> 00:03:04.484 line:6% align:center TO ACTION FOR ALL OF US IN THE   VITAL SERVICES                   00:03:04.484 --> 00:03:04.517 line:6% align:center TO ACTION FOR ALL OF US IN THE   VITAL SERVICES S                 00:03:04.517 --> 00:03:04.551 line:6% align:center TO ACTION FOR ALL OF US IN THE   VITAL SERVICES SEC               00:03:04.551 --> 00:03:04.584 line:6% align:center TO ACTION FOR ALL OF US IN THE   VITAL SERVICES SECTO             00:03:04.584 --> 00:03:04.617 line:6% align:center TO ACTION FOR ALL OF US IN THE   VITAL SERVICES SECTOR.           00:03:04.617 --> 00:03:04.651 line:6% align:center TO ACTION FOR ALL OF US IN THE   VITAL SERVICES SECTOR. B         00:03:04.651 --> 00:03:04.684 line:6% align:center TO ACTION FOR ALL OF US IN THE   VITAL SERVICES SECTOR. BEC       00:03:04.684 --> 00:03:04.717 line:6% align:center TO ACTION FOR ALL OF US IN THE   VITAL SERVICES SECTOR. BECAU     00:03:04.717 --> 00:03:04.751 line:6% align:center TO ACTION FOR ALL OF US IN THE   VITAL SERVICES SECTOR. BECAUSE   00:03:04.751 --> 00:03:04.851 line:6% align:center TO ACTION FOR ALL OF US IN THE   VITAL SERVICES SECTOR. BECAUSE   00:03:04.851 --> 00:03:04.984 line:6% align:center VITAL SERVICES SECTOR. BECAUSE   00:03:04.984 --> 00:03:05.018 line:6% align:center VITAL SERVICES SECTOR. BECAUSE   WE                               00:03:05.018 --> 00:03:05.051 line:6% align:center VITAL SERVICES SECTOR. BECAUSE   WE D                             00:03:05.051 --> 00:03:05.084 line:6% align:center VITAL SERVICES SECTOR. BECAUSE   WE DO                            00:03:05.084 --> 00:03:05.118 line:6% align:center VITAL SERVICES SECTOR. BECAUSE   WE DO WE                         00:03:05.118 --> 00:03:05.151 line:6% align:center VITAL SERVICES SECTOR. BECAUSE   WE DO WE                         00:03:05.151 --> 00:03:05.185 line:6% align:center VITAL SERVICES SECTOR. BECAUSE   WE DO WE CA                      00:03:05.185 --> 00:03:05.218 line:6% align:center VITAL SERVICES SECTOR. BECAUSE   WE DO WE CAN                     00:03:05.218 --> 00:03:05.251 line:6% align:center VITAL SERVICES SECTOR. BECAUSE   WE DO WE CAN LE                  00:03:05.251 --> 00:03:05.285 line:6% align:center VITAL SERVICES SECTOR. BECAUSE   WE DO WE CAN LEAN                00:03:05.285 --> 00:03:05.318 line:6% align:center VITAL SERVICES SECTOR. BECAUSE   WE DO WE CAN LEANIN              00:03:05.318 --> 00:03:05.351 line:6% align:center VITAL SERVICES SECTOR. BECAUSE   WE DO WE CAN LEANING             00:03:05.351 --> 00:03:05.385 line:6% align:center VITAL SERVICES SECTOR. BECAUSE   WE DO WE CAN LEANING OU          00:03:05.385 --> 00:03:05.485 line:6% align:center VITAL SERVICES SECTOR. BECAUSE   WE DO WE CAN LEANING OUR         00:03:05.485 --> 00:03:05.618 line:6% align:center WE DO WE CAN LEANING OUR         00:03:05.618 --> 00:03:05.652 line:6% align:center WE DO WE CAN LEANING OUR         SP                               00:03:05.652 --> 00:03:05.685 line:6% align:center WE DO WE CAN LEANING OUR         SPIR                             00:03:05.685 --> 00:03:05.718 line:6% align:center WE DO WE CAN LEANING OUR         SPIRIT                           00:03:05.718 --> 00:03:05.752 line:6% align:center WE DO WE CAN LEANING OUR         SPIRIT O                         00:03:05.752 --> 00:03:05.785 line:6% align:center WE DO WE CAN LEANING OUR         SPIRIT OF                        00:03:05.785 --> 00:03:05.818 line:6% align:center WE DO WE CAN LEANING OUR         SPIRIT OF IN                     00:03:05.818 --> 00:03:05.852 line:6% align:center WE DO WE CAN LEANING OUR         SPIRIT OF INNO                   00:03:05.852 --> 00:03:05.885 line:6% align:center WE DO WE CAN LEANING OUR         SPIRIT OF INNOAT                 00:03:05.885 --> 00:03:05.919 line:6% align:center WE DO WE CAN LEANING OUR         SPIRIT OF INNOATIO               00:03:05.919 --> 00:03:05.952 line:6% align:center WE DO WE CAN LEANING OUR         SPIRIT OF INNOATION              00:03:05.952 --> 00:03:05.985 line:6% align:center WE DO WE CAN LEANING OUR         SPIRIT OF INNOATION TO           00:03:05.985 --> 00:03:06.019 line:6% align:center WE DO WE CAN LEANING OUR         SPIRIT OF INNOATION TO D         00:03:06.019 --> 00:03:06.119 line:6% align:center WE DO WE CAN LEANING OUR         SPIRIT OF INNOATION TO DO        00:03:06.119 --> 00:03:06.252 line:6% align:center SPIRIT OF INNOATION TO DO        00:03:06.252 --> 00:03:06.286 line:6% align:center SPIRIT OF INNOATION TO DO        MO                               00:03:06.286 --> 00:03:06.319 line:6% align:center SPIRIT OF INNOATION TO DO        MORE                             00:03:06.319 --> 00:03:06.352 line:6% align:center SPIRIT OF INNOATION TO DO        MORE T                           00:03:06.352 --> 00:03:06.386 line:6% align:center SPIRIT OF INNOATION TO DO        MORE TO                          00:03:06.386 --> 00:03:06.419 line:6% align:center SPIRIT OF INNOATION TO DO        MORE TO HE                       00:03:06.419 --> 00:03:06.452 line:6% align:center SPIRIT OF INNOATION TO DO        MORE TO HELP                     00:03:06.452 --> 00:03:06.486 line:6% align:center SPIRIT OF INNOATION TO DO        MORE TO HELP C                   00:03:06.486 --> 00:03:06.519 line:6% align:center SPIRIT OF INNOATION TO DO        MORE TO HELP CAN                 00:03:06.519 --> 00:03:06.553 line:6% align:center SPIRIT OF INNOATION TO DO        MORE TO HELP CANAD               00:03:06.553 --> 00:03:06.586 line:6% align:center SPIRIT OF INNOATION TO DO        MORE TO HELP CANADIA             00:03:06.586 --> 00:03:06.619 line:6% align:center SPIRIT OF INNOATION TO DO        MORE TO HELP CANADIANS           00:03:06.619 --> 00:03:06.653 line:6% align:center SPIRIT OF INNOATION TO DO        MORE TO HELP CANADIANS           00:03:06.653 --> 00:03:06.686 line:6% align:center SPIRIT OF INNOATION TO DO        MORE TO HELP CANADIANS IN        00:03:06.686 --> 00:03:06.719 line:6% align:center SPIRIT OF INNOATION TO DO        MORE TO HELP CANADIANS IN T      00:03:06.719 --> 00:03:06.753 line:6% align:center SPIRIT OF INNOATION TO DO        MORE TO HELP CANADIANS IN THI    00:03:06.753 --> 00:03:08.154 line:6% align:center SPIRIT OF INNOATION TO DO        MORE TO HELP CANADIANS IN THIS   00:03:08.154 --> 00:03:08.288 line:6% align:center MORE TO HELP CANADIANS IN THIS   00:03:08.288 --> 00:03:08.321 line:6% align:center MORE TO HELP CANADIANS IN THIS   CR                               00:03:08.321 --> 00:03:08.354 line:6% align:center MORE TO HELP CANADIANS IN THIS   CRIT                             00:03:08.354 --> 00:03:08.388 line:6% align:center MORE TO HELP CANADIANS IN THIS   CRITIC                           00:03:08.388 --> 00:03:08.421 line:6% align:center MORE TO HELP CANADIANS IN THIS   CRITICAL                         00:03:08.421 --> 00:03:08.454 line:6% align:center MORE TO HELP CANADIANS IN THIS   CRITICAL J                       00:03:08.454 --> 00:03:08.488 line:6% align:center MORE TO HELP CANADIANS IN THIS   CRITICAL JUN                     00:03:08.488 --> 00:03:08.521 line:6% align:center MORE TO HELP CANADIANS IN THIS   CRITICAL JUNCT                   00:03:08.521 --> 00:03:08.555 line:6% align:center MORE TO HELP CANADIANS IN THIS   CRITICAL JUNCTUR                 00:03:08.555 --> 00:03:08.588 line:6% align:center MORE TO HELP CANADIANS IN THIS   CRITICAL JUNCTURE.               00:03:08.588 --> 00:03:09.155 line:6% align:center MORE TO HELP CANADIANS IN THIS   CRITICAL JUNCTURE.               00:03:09.155 --> 00:03:09.189 line:6% align:center MORE TO HELP CANADIANS IN THIS   CRITICAL JUNCTURE. SO            00:03:09.189 --> 00:03:09.222 line:6% align:center MORE TO HELP CANADIANS IN THIS   CRITICAL JUNCTURE. SO I          00:03:09.222 --> 00:03:09.255 line:6% align:center MORE TO HELP CANADIANS IN THIS   CRITICAL JUNCTURE. SO IF         00:03:09.255 --> 00:03:09.289 line:6% align:center MORE TO HELP CANADIANS IN THIS   CRITICAL JUNCTURE. SO IF YO      00:03:09.289 --> 00:03:09.389 line:6% align:center MORE TO HELP CANADIANS IN THIS   CRITICAL JUNCTURE. SO IF YOU     00:03:09.389 --> 00:03:09.522 line:6% align:center CRITICAL JUNCTURE. SO IF YOU     00:03:09.522 --> 00:03:09.556 line:6% align:center CRITICAL JUNCTURE. SO IF YOU     TH                               00:03:09.556 --> 00:03:09.589 line:6% align:center CRITICAL JUNCTURE. SO IF YOU     THIN                             00:03:09.589 --> 00:03:09.622 line:6% align:center CRITICAL JUNCTURE. SO IF YOU     THINK                            00:03:09.622 --> 00:03:09.656 line:6% align:center CRITICAL JUNCTURE. SO IF YOU     THINK AB                         00:03:09.656 --> 00:03:09.689 line:6% align:center CRITICAL JUNCTURE. SO IF YOU     THINK ABOU                       00:03:09.689 --> 00:03:10.089 line:6% align:center CRITICAL JUNCTURE. SO IF YOU     THINK ABOUT                      00:03:10.089 --> 00:03:10.123 line:6% align:center CRITICAL JUNCTURE. SO IF YOU     THINK ABOUT TH                   00:03:10.123 --> 00:03:10.156 line:6% align:center CRITICAL JUNCTURE. SO IF YOU     THINK ABOUT THIN                 00:03:10.156 --> 00:03:10.190 line:6% align:center CRITICAL JUNCTURE. SO IF YOU     THINK ABOUT THINGS               00:03:10.190 --> 00:03:10.223 line:6% align:center CRITICAL JUNCTURE. SO IF YOU     THINK ABOUT THINGS L             00:03:10.223 --> 00:03:10.256 line:6% align:center CRITICAL JUNCTURE. SO IF YOU     THINK ABOUT THINGS LIK           00:03:10.256 --> 00:03:10.290 line:6% align:center CRITICAL JUNCTURE. SO IF YOU     THINK ABOUT THINGS LIKE          00:03:10.290 --> 00:03:10.323 line:6% align:center CRITICAL JUNCTURE. SO IF YOU     THINK ABOUT THINGS LIKE HO       00:03:10.323 --> 00:03:10.356 line:6% align:center CRITICAL JUNCTURE. SO IF YOU     THINK ABOUT THINGS LIKE HOW      00:03:10.356 --> 00:03:10.390 line:6% align:center CRITICAL JUNCTURE. SO IF YOU     THINK ABOUT THINGS LIKE HOW DO   00:03:10.390 --> 00:03:10.490 line:6% align:center CRITICAL JUNCTURE. SO IF YOU     THINK ABOUT THINGS LIKE HOW DO   00:03:10.490 --> 00:03:10.623 line:6% align:center THINK ABOUT THINGS LIKE HOW DO   00:03:10.623 --> 00:03:10.657 line:6% align:center THINK ABOUT THINGS LIKE HOW DO   WE                               00:03:10.657 --> 00:03:11.224 line:6% align:center THINK ABOUT THINGS LIKE HOW DO   WE                               00:03:11.224 --> 00:03:11.257 line:6% align:center THINK ABOUT THINGS LIKE HOW DO   WE CR                            00:03:11.257 --> 00:03:11.291 line:6% align:center THINK ABOUT THINGS LIKE HOW DO   WE CREA                          00:03:11.291 --> 00:03:11.324 line:6% align:center THINK ABOUT THINGS LIKE HOW DO   WE CREATE                        00:03:11.324 --> 00:03:13.326 line:6% align:center THINK ABOUT THINGS LIKE HOW DO   WE CREATE                        00:03:13.326 --> 00:03:13.359 line:6% align:center THINK ABOUT THINGS LIKE HOW DO   WE CREATE A                      00:03:13.359 --> 00:03:13.393 line:6% align:center THINK ABOUT THINGS LIKE HOW DO   WE CREATE A LO                   00:03:13.393 --> 00:03:13.426 line:6% align:center THINK ABOUT THINGS LIKE HOW DO   WE CREATE A LONG                 00:03:13.426 --> 00:03:13.459 line:6% align:center THINK ABOUT THINGS LIKE HOW DO   WE CREATE A LONGER               00:03:13.459 --> 00:03:14.260 line:6% align:center THINK ABOUT THINGS LIKE HOW DO   WE CREATE A LONGER               00:03:14.260 --> 00:03:14.294 line:6% align:center THINK ABOUT THINGS LIKE HOW DO   WE CREATE A LONGER AC            00:03:14.294 --> 00:03:14.327 line:6% align:center THINK ABOUT THINGS LIKE HOW DO   WE CREATE A LONGER ACCE          00:03:14.327 --> 00:03:14.360 line:6% align:center THINK ABOUT THINGS LIKE HOW DO   WE CREATE A LONGER ACCESS        00:03:14.360 --> 00:03:14.394 line:6% align:center THINK ABOUT THINGS LIKE HOW DO   WE CREATE A LONGER ACCESSIB      00:03:14.394 --> 00:03:14.427 line:6% align:center THINK ABOUT THINGS LIKE HOW DO   WE CREATE A LONGER ACCESSIBLE    00:03:14.427 --> 00:03:14.527 line:6% align:center THINK ABOUT THINGS LIKE HOW DO   WE CREATE A LONGER ACCESSIBLE    00:03:14.527 --> 00:03:14.661 line:6% align:center WE CREATE A LONGER ACCESSIBLE    00:03:14.661 --> 00:03:14.694 line:6% align:center WE CREATE A LONGER ACCESSIBLE    AR                               00:03:14.694 --> 00:03:14.727 line:6% align:center WE CREATE A LONGER ACCESSIBLE    ARE                              00:03:14.727 --> 00:03:14.761 line:6% align:center WE CREATE A LONGER ACCESSIBLE    ARE PR                           00:03:14.761 --> 00:03:14.794 line:6% align:center WE CREATE A LONGER ACCESSIBLE    ARE PRES                         00:03:14.794 --> 00:03:14.827 line:6% align:center WE CREATE A LONGER ACCESSIBLE    ARE PRESSI                       00:03:14.827 --> 00:03:14.861 line:6% align:center WE CREATE A LONGER ACCESSIBLE    ARE PRESSING                     00:03:14.861 --> 00:03:15.161 line:6% align:center WE CREATE A LONGER ACCESSIBLE    ARE PRESSING                     00:03:15.161 --> 00:03:15.195 line:6% align:center WE CREATE A LONGER ACCESSIBLE    ARE PRESSING EX                  00:03:15.195 --> 00:03:15.228 line:6% align:center WE CREATE A LONGER ACCESSIBLE    ARE PRESSING EXCE                00:03:15.228 --> 00:03:15.261 line:6% align:center WE CREATE A LONGER ACCESSIBLE    ARE PRESSING EXCESS              00:03:15.261 --> 00:03:15.862 line:6% align:center WE CREATE A LONGER ACCESSIBLE    ARE PRESSING EXCESS              00:03:15.862 --> 00:03:15.895 line:6% align:center WE CREATE A LONGER ACCESSIBLE    ARE PRESSING EXCESS FI           00:03:15.895 --> 00:03:15.929 line:6% align:center WE CREATE A LONGER ACCESSIBLE    ARE PRESSING EXCESS FINA         00:03:15.929 --> 00:03:15.962 line:6% align:center WE CREATE A LONGER ACCESSIBLE    ARE PRESSING EXCESS FINANC       00:03:15.962 --> 00:03:15.995 line:6% align:center WE CREATE A LONGER ACCESSIBLE    ARE PRESSING EXCESS FINANCIA     00:03:15.995 --> 00:03:16.095 line:6% align:center WE CREATE A LONGER ACCESSIBLE    ARE PRESSING EXCESS FINANCIAL    00:03:16.095 --> 00:03:16.229 line:6% align:center ARE PRESSING EXCESS FINANCIAL    00:03:16.229 --> 00:03:16.262 line:6% align:center ARE PRESSING EXCESS FINANCIAL    AD                               00:03:16.262 --> 00:03:16.296 line:6% align:center ARE PRESSING EXCESS FINANCIAL    ADVI                             00:03:16.296 --> 00:03:16.329 line:6% align:center ARE PRESSING EXCESS FINANCIAL    ADVICE                           00:03:16.329 --> 00:03:16.362 line:6% align:center ARE PRESSING EXCESS FINANCIAL    ADVICE,                          00:03:16.362 --> 00:03:16.396 line:6% align:center ARE PRESSING EXCESS FINANCIAL    ADVICE, RE                       00:03:16.396 --> 00:03:16.429 line:6% align:center ARE PRESSING EXCESS FINANCIAL    ADVICE, RETI                     00:03:16.429 --> 00:03:16.462 line:6% align:center ARE PRESSING EXCESS FINANCIAL    ADVICE, RETIRE                   00:03:16.462 --> 00:03:16.496 line:6% align:center ARE PRESSING EXCESS FINANCIAL    ADVICE, RETIREME                 00:03:16.496 --> 00:03:16.529 line:6% align:center ARE PRESSING EXCESS FINANCIAL    ADVICE, RETIREMENT               00:03:16.529 --> 00:03:16.563 line:6% align:center ARE PRESSING EXCESS FINANCIAL    ADVICE, RETIREMENT               00:03:16.563 --> 00:03:16.596 line:6% align:center ARE PRESSING EXCESS FINANCIAL    ADVICE, RETIREMENT AD            00:03:16.596 --> 00:03:16.629 line:6% align:center ARE PRESSING EXCESS FINANCIAL    ADVICE, RETIREMENT ADVI          00:03:16.629 --> 00:03:16.663 line:6% align:center ARE PRESSING EXCESS FINANCIAL    ADVICE, RETIREMENT ADVICE        00:03:16.663 --> 00:03:16.696 line:6% align:center ARE PRESSING EXCESS FINANCIAL    ADVICE, RETIREMENT ADVICE A      00:03:16.696 --> 00:03:16.729 line:6% align:center ARE PRESSING EXCESS FINANCIAL    ADVICE, RETIREMENT ADVICE AND    00:03:16.729 --> 00:03:16.829 line:6% align:center ARE PRESSING EXCESS FINANCIAL    ADVICE, RETIREMENT ADVICE AND    00:03:16.829 --> 00:03:16.963 line:6% align:center ADVICE, RETIREMENT ADVICE AND    00:03:16.963 --> 00:03:16.996 line:6% align:center ADVICE, RETIREMENT ADVICE AND    PL                               00:03:16.996 --> 00:03:17.030 line:6% align:center ADVICE, RETIREMENT ADVICE AND    PLAN                             00:03:17.030 --> 00:03:17.063 line:6% align:center ADVICE, RETIREMENT ADVICE AND    PLANNI                           00:03:17.063 --> 00:03:17.096 line:6% align:center ADVICE, RETIREMENT ADVICE AND    PLANNING                         00:03:17.096 --> 00:03:17.130 line:6% align:center ADVICE, RETIREMENT ADVICE AND    PLANNING A                       00:03:17.130 --> 00:03:17.163 line:6% align:center ADVICE, RETIREMENT ADVICE AND    PLANNING A L                     00:03:17.163 --> 00:03:17.197 line:6% align:center ADVICE, RETIREMENT ADVICE AND    PLANNING A LEV                   00:03:17.197 --> 00:03:17.230 line:6% align:center ADVICE, RETIREMENT ADVICE AND    PLANNING A LEVER                 00:03:17.230 --> 00:03:17.263 line:6% align:center ADVICE, RETIREMENT ADVICE AND    PLANNING A LEVERAG               00:03:17.263 --> 00:03:17.297 line:6% align:center ADVICE, RETIREMENT ADVICE AND    PLANNING A LEVERAGIN             00:03:17.297 --> 00:03:19.866 line:6% align:center ADVICE, RETIREMENT ADVICE AND    PLANNING A LEVERAGING            00:03:19.866 --> 00:03:19.899 line:6% align:center ADVICE, RETIREMENT ADVICE AND    PLANNING A LEVERAGING WH         00:03:19.899 --> 00:03:19.933 line:6% align:center ADVICE, RETIREMENT ADVICE AND    PLANNING A LEVERAGING WHER       00:03:19.933 --> 00:03:20.033 line:6% align:center ADVICE, RETIREMENT ADVICE AND    PLANNING A LEVERAGING WHERE      00:03:20.033 --> 00:03:20.166 line:6% align:center PLANNING A LEVERAGING WHERE      00:03:20.166 --> 00:03:20.200 line:6% align:center PLANNING A LEVERAGING WHERE      SO                               00:03:20.200 --> 00:03:20.233 line:6% align:center PLANNING A LEVERAGING WHERE      SOME                             00:03:20.233 --> 00:03:20.266 line:6% align:center PLANNING A LEVERAGING WHERE      SOME                             00:03:20.266 --> 00:03:20.300 line:6% align:center PLANNING A LEVERAGING WHERE      SOME PL                          00:03:20.300 --> 00:03:20.333 line:6% align:center PLANNING A LEVERAGING WHERE      SOME PLAY                        00:03:20.333 --> 00:03:20.366 line:6% align:center PLANNING A LEVERAGING WHERE      SOME PLAYER                      00:03:20.366 --> 00:03:20.400 line:6% align:center PLANNING A LEVERAGING WHERE      SOME PLAYERS                     00:03:20.400 --> 00:03:20.433 line:6% align:center PLANNING A LEVERAGING WHERE      SOME PLAYERS AR                  00:03:20.433 --> 00:03:20.466 line:6% align:center PLANNING A LEVERAGING WHERE      SOME PLAYERS ARE                 00:03:20.466 --> 00:03:20.500 line:6% align:center PLANNING A LEVERAGING WHERE      SOME PLAYERS ARE TO              00:03:20.500 --> 00:03:20.733 line:6% align:center PLANNING A LEVERAGING WHERE      SOME PLAYERS ARE TO              00:03:20.733 --> 00:03:20.767 line:6% align:center PLANNING A LEVERAGING WHERE      SOME PLAYERS ARE TO MA           00:03:20.767 --> 00:03:20.800 line:6% align:center PLANNING A LEVERAGING WHERE      SOME PLAYERS ARE TO MAKE         00:03:20.800 --> 00:03:20.833 line:6% align:center PLANNING A LEVERAGING WHERE      SOME PLAYERS ARE TO MAKE S       00:03:20.833 --> 00:03:20.867 line:6% align:center PLANNING A LEVERAGING WHERE      SOME PLAYERS ARE TO MAKE SOM     00:03:20.867 --> 00:03:20.967 line:6% align:center PLANNING A LEVERAGING WHERE      SOME PLAYERS ARE TO MAKE SOME    00:03:20.967 --> 00:03:21.100 line:6% align:center SOME PLAYERS ARE TO MAKE SOME    00:03:21.100 --> 00:03:21.134 line:6% align:center SOME PLAYERS ARE TO MAKE SOME    GO                               00:03:21.134 --> 00:03:21.167 line:6% align:center SOME PLAYERS ARE TO MAKE SOME    GOOD                             00:03:21.167 --> 00:03:21.201 line:6% align:center SOME PLAYERS ARE TO MAKE SOME    GOOD P                           00:03:21.201 --> 00:03:21.234 line:6% align:center SOME PLAYERS ARE TO MAKE SOME    GOOD PRO                         00:03:21.234 --> 00:03:21.267 line:6% align:center SOME PLAYERS ARE TO MAKE SOME    GOOD PROGR                       00:03:21.267 --> 00:03:21.301 line:6% align:center SOME PLAYERS ARE TO MAKE SOME    GOOD PROGRES                     00:03:21.301 --> 00:03:21.334 line:6% align:center SOME PLAYERS ARE TO MAKE SOME    GOOD PROGRESS                    00:03:21.334 --> 00:03:21.367 line:6% align:center SOME PLAYERS ARE TO MAKE SOME    GOOD PROGRESS TH                 00:03:21.367 --> 00:03:21.401 line:6% align:center SOME PLAYERS ARE TO MAKE SOME    GOOD PROGRESS THER               00:03:21.401 --> 00:03:21.434 line:6% align:center SOME PLAYERS ARE TO MAKE SOME    GOOD PROGRESS THERE.             00:03:21.434 --> 00:03:21.467 line:6% align:center SOME PLAYERS ARE TO MAKE SOME    GOOD PROGRESS THERE. A           00:03:21.467 --> 00:03:21.501 line:6% align:center SOME PLAYERS ARE TO MAKE SOME    GOOD PROGRESS THERE. AND         00:03:21.501 --> 00:03:21.601 line:6% align:center SOME PLAYERS ARE TO MAKE SOME    GOOD PROGRESS THERE. AND         00:03:21.601 --> 00:03:21.734 line:6% align:center GOOD PROGRESS THERE. AND         00:03:21.734 --> 00:03:21.768 line:6% align:center GOOD PROGRESS THERE. AND         CE                               00:03:21.768 --> 00:03:21.801 line:6% align:center GOOD PROGRESS THERE. AND         CERT                             00:03:21.801 --> 00:03:21.834 line:6% align:center GOOD PROGRESS THERE. AND         CERTAI                           00:03:21.834 --> 00:03:21.868 line:6% align:center GOOD PROGRESS THERE. AND         CERTAINL                         00:03:21.868 --> 00:03:21.901 line:6% align:center GOOD PROGRESS THERE. AND         CERTAINLY                        00:03:21.901 --> 00:03:21.935 line:6% align:center GOOD PROGRESS THERE. AND         CERTAINLY CA                     00:03:21.935 --> 00:03:21.968 line:6% align:center GOOD PROGRESS THERE. AND         CERTAINLY CAN                    00:03:21.968 --> 00:03:22.001 line:6% align:center GOOD PROGRESS THERE. AND         CERTAINLY CAN DO                 00:03:22.001 --> 00:03:23.570 line:6% align:center GOOD PROGRESS THERE. AND         CERTAINLY CAN DO                 00:03:23.570 --> 00:03:23.603 line:6% align:center GOOD PROGRESS THERE. AND         CERTAINLY CAN DO MO              00:03:23.603 --> 00:03:23.636 line:6% align:center GOOD PROGRESS THERE. AND         CERTAINLY CAN DO MORE            00:03:23.636 --> 00:03:23.670 line:6% align:center GOOD PROGRESS THERE. AND         CERTAINLY CAN DO MORE.           00:03:23.670 --> 00:03:23.703 line:6% align:center GOOD PROGRESS THERE. AND         CERTAINLY CAN DO MORE. TH        00:03:23.703 --> 00:03:23.736 line:6% align:center GOOD PROGRESS THERE. AND         CERTAINLY CAN DO MORE. THER      00:03:23.736 --> 00:03:23.770 line:6% align:center GOOD PROGRESS THERE. AND         CERTAINLY CAN DO MORE. THERE.    00:03:23.770 --> 00:03:24.704 line:6% align:center GOOD PROGRESS THERE. AND         CERTAINLY CAN DO MORE. THERE.    00:03:24.704 --> 00:03:24.837 line:6% align:center CERTAINLY CAN DO MORE. THERE.    00:03:24.837 --> 00:03:24.871 line:6% align:center CERTAINLY CAN DO MORE. THERE.    WE                               00:03:24.871 --> 00:03:24.904 line:6% align:center CERTAINLY CAN DO MORE. THERE.    WE H                             00:03:24.904 --> 00:03:24.938 line:6% align:center CERTAINLY CAN DO MORE. THERE.    WE HOP                           00:03:24.938 --> 00:03:24.971 line:6% align:center CERTAINLY CAN DO MORE. THERE.    WE HOPE                          00:03:24.971 --> 00:03:25.004 line:6% align:center CERTAINLY CAN DO MORE. THERE.    WE HOPE TH                       00:03:25.004 --> 00:03:25.038 line:6% align:center CERTAINLY CAN DO MORE. THERE.    WE HOPE THIN                     00:03:25.038 --> 00:03:25.071 line:6% align:center CERTAINLY CAN DO MORE. THERE.    WE HOPE THINK                    00:03:25.071 --> 00:03:25.104 line:6% align:center CERTAINLY CAN DO MORE. THERE.    WE HOPE THINK AB                 00:03:25.104 --> 00:03:25.138 line:6% align:center CERTAINLY CAN DO MORE. THERE.    WE HOPE THINK ABOU               00:03:25.138 --> 00:03:25.171 line:6% align:center CERTAINLY CAN DO MORE. THERE.    WE HOPE THINK ABOUT              00:03:25.171 --> 00:03:25.205 line:6% align:center CERTAINLY CAN DO MORE. THERE.    WE HOPE THINK ABOUT CA           00:03:25.205 --> 00:03:25.238 line:6% align:center CERTAINLY CAN DO MORE. THERE.    WE HOPE THINK ABOUT CASH         00:03:25.238 --> 00:03:25.271 line:6% align:center CERTAINLY CAN DO MORE. THERE.    WE HOPE THINK ABOUT CASH F       00:03:25.271 --> 00:03:25.305 line:6% align:center CERTAINLY CAN DO MORE. THERE.    WE HOPE THINK ABOUT CASH FLO     00:03:25.305 --> 00:03:25.838 line:6% align:center CERTAINLY CAN DO MORE. THERE.    WE HOPE THINK ABOUT CASH FLOW    00:03:25.838 --> 00:03:25.972 line:6% align:center WE HOPE THINK ABOUT CASH FLOW    00:03:25.972 --> 00:03:26.005 line:6% align:center WE HOPE THINK ABOUT CASH FLOW    BE                               00:03:26.005 --> 00:03:26.039 line:6% align:center WE HOPE THINK ABOUT CASH FLOW    BETT                             00:03:26.039 --> 00:03:26.072 line:6% align:center WE HOPE THINK ABOUT CASH FLOW    BETTER                           00:03:26.072 --> 00:03:26.105 line:6% align:center WE HOPE THINK ABOUT CASH FLOW    BETTER,                          00:03:26.105 --> 00:03:26.139 line:6% align:center WE HOPE THINK ABOUT CASH FLOW    BETTER, HO                       00:03:26.139 --> 00:03:26.172 line:6% align:center WE HOPE THINK ABOUT CASH FLOW    BETTER, HOW                      00:03:26.172 --> 00:03:26.206 line:6% align:center WE HOPE THINK ABOUT CASH FLOW    BETTER, HOW WE                   00:03:26.206 --> 00:03:26.239 line:6% align:center WE HOPE THINK ABOUT CASH FLOW    BETTER, HOW WE H                 00:03:26.239 --> 00:03:26.272 line:6% align:center WE HOPE THINK ABOUT CASH FLOW    BETTER, HOW WE HEL               00:03:26.272 --> 00:03:26.673 line:6% align:center WE HOPE THINK ABOUT CASH FLOW    BETTER, HOW WE HELP              00:03:26.673 --> 00:03:26.706 line:6% align:center WE HOPE THINK ABOUT CASH FLOW    BETTER, HOW WE HELP TH           00:03:26.706 --> 00:03:26.739 line:6% align:center WE HOPE THINK ABOUT CASH FLOW    BETTER, HOW WE HELP THEM         00:03:26.739 --> 00:03:26.773 line:6% align:center WE HOPE THINK ABOUT CASH FLOW    BETTER, HOW WE HELP THEM W       00:03:26.773 --> 00:03:26.806 line:6% align:center WE HOPE THINK ABOUT CASH FLOW    BETTER, HOW WE HELP THEM WAY     00:03:26.806 --> 00:03:27.640 line:6% align:center WE HOPE THINK ABOUT CASH FLOW    BETTER, HOW WE HELP THEM WAY     00:03:27.640 --> 00:03:27.774 line:6% align:center BETTER, HOW WE HELP THEM WAY     00:03:27.774 --> 00:03:27.807 line:6% align:center BETTER, HOW WE HELP THEM WAY     TO                               00:03:27.807 --> 00:03:27.840 line:6% align:center BETTER, HOW WE HELP THEM WAY     TO D                             00:03:27.840 --> 00:03:27.874 line:6% align:center BETTER, HOW WE HELP THEM WAY     TO DET                           00:03:27.874 --> 00:03:27.907 line:6% align:center BETTER, HOW WE HELP THEM WAY     TO DETER                         00:03:27.907 --> 00:03:27.941 line:6% align:center BETTER, HOW WE HELP THEM WAY     TO DETERMI                       00:03:27.941 --> 00:03:27.974 line:6% align:center BETTER, HOW WE HELP THEM WAY     TO DETERMINE                     00:03:27.974 --> 00:03:28.007 line:6% align:center BETTER, HOW WE HELP THEM WAY     TO DETERMINE I                   00:03:28.007 --> 00:03:28.041 line:6% align:center BETTER, HOW WE HELP THEM WAY     TO DETERMINE INC                 00:03:28.041 --> 00:03:28.074 line:6% align:center BETTER, HOW WE HELP THEM WAY     TO DETERMINE INCOM               00:03:28.074 --> 00:03:28.107 line:6% align:center BETTER, HOW WE HELP THEM WAY     TO DETERMINE INCOME              00:03:28.107 --> 00:03:28.141 line:6% align:center BETTER, HOW WE HELP THEM WAY     TO DETERMINE INCOME PR           00:03:28.141 --> 00:03:28.174 line:6% align:center BETTER, HOW WE HELP THEM WAY     TO DETERMINE INCOME PROD         00:03:28.174 --> 00:03:28.208 line:6% align:center BETTER, HOW WE HELP THEM WAY     TO DETERMINE INCOME PRODUC       00:03:28.208 --> 00:03:28.241 line:6% align:center BETTER, HOW WE HELP THEM WAY     TO DETERMINE INCOME PRODUCTS     00:03:28.241 --> 00:03:28.341 line:6% align:center BETTER, HOW WE HELP THEM WAY     TO DETERMINE INCOME PRODUCTS.    00:03:28.341 --> 00:03:28.474 line:6% align:center TO DETERMINE INCOME PRODUCTS.    00:03:28.474 --> 00:03:28.508 line:6% align:center TO DETERMINE INCOME PRODUCTS.    HO                               00:03:28.508 --> 00:03:28.541 line:6% align:center TO DETERMINE INCOME PRODUCTS.    HOW                              00:03:28.541 --> 00:03:28.575 line:6% align:center TO DETERMINE INCOME PRODUCTS.    HOW WE                           00:03:28.575 --> 00:03:28.608 line:6% align:center TO DETERMINE INCOME PRODUCTS.    HOW WE H                         00:03:28.608 --> 00:03:28.641 line:6% align:center TO DETERMINE INCOME PRODUCTS.    HOW WE HOP                       00:03:28.641 --> 00:03:28.675 line:6% align:center TO DETERMINE INCOME PRODUCTS.    HOW WE HOPE                      00:03:28.675 --> 00:03:28.708 line:6% align:center TO DETERMINE INCOME PRODUCTS.    HOW WE HOPE TH                   00:03:28.708 --> 00:03:28.741 line:6% align:center TO DETERMINE INCOME PRODUCTS.    HOW WE HOPE THAT                 00:03:28.741 --> 00:03:29.642 line:6% align:center TO DETERMINE INCOME PRODUCTS.    HOW WE HOPE THAT                 00:03:29.642 --> 00:03:29.676 line:6% align:center TO DETERMINE INCOME PRODUCTS.    HOW WE HOPE THAT WE              00:03:29.676 --> 00:03:29.709 line:6% align:center TO DETERMINE INCOME PRODUCTS.    HOW WE HOPE THAT WE S            00:03:29.709 --> 00:03:29.742 line:6% align:center TO DETERMINE INCOME PRODUCTS.    HOW WE HOPE THAT WE SPE          00:03:29.742 --> 00:03:29.776 line:6% align:center TO DETERMINE INCOME PRODUCTS.    HOW WE HOPE THAT WE SPEND        00:03:29.776 --> 00:03:30.643 line:6% align:center TO DETERMINE INCOME PRODUCTS.    HOW WE HOPE THAT WE SPEND        00:03:30.643 --> 00:03:30.777 line:6% align:center HOW WE HOPE THAT WE SPEND        00:03:30.777 --> 00:03:30.810 line:6% align:center HOW WE HOPE THAT WE SPEND        MA                               00:03:30.810 --> 00:03:30.843 line:6% align:center HOW WE HOPE THAT WE SPEND        MANA                             00:03:30.843 --> 00:03:30.877 line:6% align:center HOW WE HOPE THAT WE SPEND        MANAGE                           00:03:30.877 --> 00:03:30.910 line:6% align:center HOW WE HOPE THAT WE SPEND        MANAGEME                         00:03:30.910 --> 00:03:30.944 line:6% align:center HOW WE HOPE THAT WE SPEND        MANAGEMENT                       00:03:30.944 --> 00:03:30.977 line:6% align:center HOW WE HOPE THAT WE SPEND        MANAGEMENT,                      00:03:30.977 --> 00:03:31.010 line:6% align:center HOW WE HOPE THAT WE SPEND        MANAGEMENT, HO                   00:03:31.010 --> 00:03:31.511 line:6% align:center HOW WE HOPE THAT WE SPEND        MANAGEMENT, HOW                  00:03:31.511 --> 00:03:31.544 line:6% align:center HOW WE HOPE THAT WE SPEND        MANAGEMENT, HOW DO               00:03:31.544 --> 00:03:31.578 line:6% align:center HOW WE HOPE THAT WE SPEND        MANAGEMENT, HOW DO W             00:03:31.578 --> 00:03:31.611 line:6% align:center HOW WE HOPE THAT WE SPEND        MANAGEMENT, HOW DO WE            00:03:31.611 --> 00:03:31.644 line:6% align:center HOW WE HOPE THAT WE SPEND        MANAGEMENT, HOW DO WE HE         00:03:31.644 --> 00:03:31.678 line:6% align:center HOW WE HOPE THAT WE SPEND        MANAGEMENT, HOW DO WE HELP       00:03:31.678 --> 00:03:31.778 line:6% align:center HOW WE HOPE THAT WE SPEND        MANAGEMENT, HOW DO WE HELP       00:03:31.778 --> 00:03:31.911 line:6% align:center MANAGEMENT, HOW DO WE HELP       00:03:31.911 --> 00:03:31.945 line:6% align:center MANAGEMENT, HOW DO WE HELP       TE                               00:03:31.945 --> 00:03:31.978 line:6% align:center MANAGEMENT, HOW DO WE HELP       TEEN                             00:03:31.978 --> 00:03:32.011 line:6% align:center MANAGEMENT, HOW DO WE HELP       TEENS                            00:03:32.011 --> 00:03:32.045 line:6% align:center MANAGEMENT, HOW DO WE HELP       TEENS TA                         00:03:32.045 --> 00:03:32.078 line:6% align:center MANAGEMENT, HOW DO WE HELP       TEENS TAKE                       00:03:32.078 --> 00:03:32.111 line:6% align:center MANAGEMENT, HOW DO WE HELP       TEENS TAKE                       00:03:32.111 --> 00:03:32.145 line:6% align:center MANAGEMENT, HOW DO WE HELP       TEENS TAKE ON                    00:03:32.145 --> 00:03:32.178 line:6% align:center MANAGEMENT, HOW DO WE HELP       TEENS TAKE ON M                  00:03:32.178 --> 00:03:32.212 line:6% align:center MANAGEMENT, HOW DO WE HELP       TEENS TAKE ON MAY                00:03:32.212 --> 00:03:32.245 line:6% align:center MANAGEMENT, HOW DO WE HELP       TEENS TAKE ON MAYBE              00:03:32.245 --> 00:03:32.278 line:6% align:center MANAGEMENT, HOW DO WE HELP       TEENS TAKE ON MAYBE A            00:03:32.278 --> 00:03:32.312 line:6% align:center MANAGEMENT, HOW DO WE HELP       TEENS TAKE ON MAYBE A L          00:03:32.312 --> 00:03:32.345 line:6% align:center MANAGEMENT, HOW DO WE HELP       TEENS TAKE ON MAYBE A LIT        00:03:32.345 --> 00:03:32.378 line:6% align:center MANAGEMENT, HOW DO WE HELP       TEENS TAKE ON MAYBE A LITTL      00:03:32.378 --> 00:03:32.478 line:6% align:center MANAGEMENT, HOW DO WE HELP       TEENS TAKE ON MAYBE A LITTLE     00:03:32.478 --> 00:03:32.612 line:6% align:center TEENS TAKE ON MAYBE A LITTLE     00:03:32.612 --> 00:03:32.645 line:6% align:center TEENS TAKE ON MAYBE A LITTLE     BI                               00:03:32.645 --> 00:03:32.679 line:6% align:center TEENS TAKE ON MAYBE A LITTLE     BIT                              00:03:32.679 --> 00:03:32.712 line:6% align:center TEENS TAKE ON MAYBE A LITTLE     BIT MO                           00:03:32.712 --> 00:03:32.745 line:6% align:center TEENS TAKE ON MAYBE A LITTLE     BIT MORE                         00:03:32.745 --> 00:03:33.179 line:6% align:center TEENS TAKE ON MAYBE A LITTLE     BIT MORE                         00:03:33.179 --> 00:03:33.213 line:6% align:center TEENS TAKE ON MAYBE A LITTLE     BIT MORE AG                      00:03:33.213 --> 00:03:33.246 line:6% align:center TEENS TAKE ON MAYBE A LITTLE     BIT MORE AGGR                    00:03:33.246 --> 00:03:33.279 line:6% align:center TEENS TAKE ON MAYBE A LITTLE     BIT MORE AGGRES                  00:03:33.279 --> 00:03:33.313 line:6% align:center TEENS TAKE ON MAYBE A LITTLE     BIT MORE AGGRESSI                00:03:33.313 --> 00:03:33.346 line:6% align:center TEENS TAKE ON MAYBE A LITTLE     BIT MORE AGGRESSIVE              00:03:33.346 --> 00:03:33.880 line:6% align:center TEENS TAKE ON MAYBE A LITTLE     BIT MORE AGGRESSIVE              00:03:33.880 --> 00:03:33.913 line:6% align:center TEENS TAKE ON MAYBE A LITTLE     BIT MORE AGGRESSIVE IN           00:03:33.913 --> 00:03:33.947 line:6% align:center TEENS TAKE ON MAYBE A LITTLE     BIT MORE AGGRESSIVE INVE         00:03:33.947 --> 00:03:33.980 line:6% align:center TEENS TAKE ON MAYBE A LITTLE     BIT MORE AGGRESSIVE INVEST       00:03:33.980 --> 00:03:34.013 line:6% align:center TEENS TAKE ON MAYBE A LITTLE     BIT MORE AGGRESSIVE INVESTME     00:03:34.013 --> 00:03:34.047 line:6% align:center TEENS TAKE ON MAYBE A LITTLE     BIT MORE AGGRESSIVE INVESTMENT   00:03:34.047 --> 00:03:34.147 line:6% align:center TEENS TAKE ON MAYBE A LITTLE     BIT MORE AGGRESSIVE INVESTMENT   00:03:34.147 --> 00:03:34.280 line:6% align:center BIT MORE AGGRESSIVE INVESTMENT   00:03:34.280 --> 00:03:34.314 line:6% align:center BIT MORE AGGRESSIVE INVESTMENT   ST                               00:03:34.314 --> 00:03:34.347 line:6% align:center BIT MORE AGGRESSIVE INVESTMENT   STRA                             00:03:34.347 --> 00:03:34.380 line:6% align:center BIT MORE AGGRESSIVE INVESTMENT   STRATE                           00:03:34.380 --> 00:03:34.414 line:6% align:center BIT MORE AGGRESSIVE INVESTMENT   STRATEGI                         00:03:34.414 --> 00:03:34.447 line:6% align:center BIT MORE AGGRESSIVE INVESTMENT   STRATEGIES                       00:03:34.447 --> 00:03:34.480 line:6% align:center BIT MORE AGGRESSIVE INVESTMENT   STRATEGIES                       00:03:34.480 --> 00:03:34.514 line:6% align:center BIT MORE AGGRESSIVE INVESTMENT   STRATEGIES EA                    00:03:34.514 --> 00:03:34.547 line:6% align:center BIT MORE AGGRESSIVE INVESTMENT   STRATEGIES EARL                  00:03:34.547 --> 00:03:34.581 line:6% align:center BIT MORE AGGRESSIVE INVESTMENT   STRATEGIES EARLIE                00:03:34.581 --> 00:03:34.614 line:6% align:center BIT MORE AGGRESSIVE INVESTMENT   STRATEGIES EARLIER               00:03:34.614 --> 00:03:34.647 line:6% align:center BIT MORE AGGRESSIVE INVESTMENT   STRATEGIES EARLIER ON            00:03:34.647 --> 00:03:34.681 line:6% align:center BIT MORE AGGRESSIVE INVESTMENT   STRATEGIES EARLIER ON I          00:03:34.681 --> 00:03:36.049 line:6% align:center BIT MORE AGGRESSIVE INVESTMENT   STRATEGIES EARLIER ON IN         00:03:36.049 --> 00:03:36.082 line:6% align:center BIT MORE AGGRESSIVE INVESTMENT   STRATEGIES EARLIER ON IN IN      00:03:36.082 --> 00:03:36.182 line:6% align:center BIT MORE AGGRESSIVE INVESTMENT   STRATEGIES EARLIER ON IN IN      00:03:36.182 --> 00:03:36.316 line:6% align:center STRATEGIES EARLIER ON IN IN      00:03:36.316 --> 00:03:36.349 line:6% align:center STRATEGIES EARLIER ON IN IN      LI                               00:03:36.349 --> 00:03:36.382 line:6% align:center STRATEGIES EARLIER ON IN IN      LIFE                             00:03:36.382 --> 00:03:37.951 line:6% align:center STRATEGIES EARLIER ON IN IN      LIFE.                            00:03:37.951 --> 00:03:37.984 line:6% align:center STRATEGIES EARLIER ON IN IN      LIFE. HO                         00:03:37.984 --> 00:03:38.017 line:6% align:center STRATEGIES EARLIER ON IN IN      LIFE. HOW                        00:03:38.017 --> 00:03:38.051 line:6% align:center STRATEGIES EARLIER ON IN IN      LIFE. HOW DO                     00:03:38.051 --> 00:03:38.084 line:6% align:center STRATEGIES EARLIER ON IN IN      LIFE. HOW DO W                   00:03:38.084 --> 00:03:38.117 line:6% align:center STRATEGIES EARLIER ON IN IN      LIFE. HOW DO WE                  00:03:38.117 --> 00:03:38.151 line:6% align:center STRATEGIES EARLIER ON IN IN      LIFE. HOW DO WE AC               00:03:38.151 --> 00:03:38.184 line:6% align:center STRATEGIES EARLIER ON IN IN      LIFE. HOW DO WE ACTU             00:03:38.184 --> 00:03:38.218 line:6% align:center STRATEGIES EARLIER ON IN IN      LIFE. HOW DO WE ACTUAL           00:03:38.218 --> 00:03:38.251 line:6% align:center STRATEGIES EARLIER ON IN IN      LIFE. HOW DO WE ACTUALLY         00:03:38.251 --> 00:03:38.284 line:6% align:center STRATEGIES EARLIER ON IN IN      LIFE. HOW DO WE ACTUALLY H       00:03:38.284 --> 00:03:38.318 line:6% align:center STRATEGIES EARLIER ON IN IN      LIFE. HOW DO WE ACTUALLY HEL     00:03:38.318 --> 00:03:38.985 line:6% align:center STRATEGIES EARLIER ON IN IN      LIFE. HOW DO WE ACTUALLY HELP    00:03:38.985 --> 00:03:39.118 line:6% align:center LIFE. HOW DO WE ACTUALLY HELP    00:03:39.118 --> 00:03:39.152 line:6% align:center LIFE. HOW DO WE ACTUALLY HELP    EQ                               00:03:39.152 --> 00:03:39.185 line:6% align:center LIFE. HOW DO WE ACTUALLY HELP    EQUI                             00:03:39.185 --> 00:03:39.219 line:6% align:center LIFE. HOW DO WE ACTUALLY HELP    EQUITY                           00:03:39.219 --> 00:03:39.252 line:6% align:center LIFE. HOW DO WE ACTUALLY HELP    EQUITY T                         00:03:39.252 --> 00:03:39.285 line:6% align:center LIFE. HOW DO WE ACTUALLY HELP    EQUITY THA                       00:03:39.285 --> 00:03:39.319 line:6% align:center LIFE. HOW DO WE ACTUALLY HELP    EQUITY THAT'                     00:03:39.319 --> 00:03:39.352 line:6% align:center LIFE. HOW DO WE ACTUALLY HELP    EQUITY THAT'S                    00:03:39.352 --> 00:03:39.385 line:6% align:center LIFE. HOW DO WE ACTUALLY HELP    EQUITY THAT'S SI                 00:03:39.385 --> 00:03:39.419 line:6% align:center LIFE. HOW DO WE ACTUALLY HELP    EQUITY THAT'S SITT               00:03:39.419 --> 00:03:39.452 line:6% align:center LIFE. HOW DO WE ACTUALLY HELP    EQUITY THAT'S SITTIN             00:03:39.452 --> 00:03:39.953 line:6% align:center LIFE. HOW DO WE ACTUALLY HELP    EQUITY THAT'S SITTING            00:03:39.953 --> 00:03:39.986 line:6% align:center LIFE. HOW DO WE ACTUALLY HELP    EQUITY THAT'S SITTING IN         00:03:39.986 --> 00:03:41.187 line:6% align:center LIFE. HOW DO WE ACTUALLY HELP    EQUITY THAT'S SITTING IN         00:03:41.187 --> 00:03:41.221 line:6% align:center LIFE. HOW DO WE ACTUALLY HELP    EQUITY THAT'S SITTING IN TH      00:03:41.221 --> 00:03:41.254 line:6% align:center LIFE. HOW DO WE ACTUALLY HELP    EQUITY THAT'S SITTING IN THEI    00:03:41.254 --> 00:03:42.088 line:6% align:center LIFE. HOW DO WE ACTUALLY HELP    EQUITY THAT'S SITTING IN THEIR   00:03:42.088 --> 00:03:42.222 line:6% align:center EQUITY THAT'S SITTING IN THEIR   00:03:42.222 --> 00:03:42.255 line:6% align:center EQUITY THAT'S SITTING IN THEIR   PR                               00:03:42.255 --> 00:03:42.288 line:6% align:center EQUITY THAT'S SITTING IN THEIR   PRIM                             00:03:42.288 --> 00:03:42.322 line:6% align:center EQUITY THAT'S SITTING IN THEIR   PRIMAR                           00:03:42.322 --> 00:03:42.355 line:6% align:center EQUITY THAT'S SITTING IN THEIR   PRIMARY                          00:03:42.355 --> 00:03:42.388 line:6% align:center EQUITY THAT'S SITTING IN THEIR   PRIMARY RE                       00:03:42.388 --> 00:03:42.422 line:6% align:center EQUITY THAT'S SITTING IN THEIR   PRIMARY RESI                     00:03:42.422 --> 00:03:42.455 line:6% align:center EQUITY THAT'S SITTING IN THEIR   PRIMARY RESIDE                   00:03:42.455 --> 00:03:42.488 line:6% align:center EQUITY THAT'S SITTING IN THEIR   PRIMARY RESIDENC                 00:03:42.488 --> 00:03:42.522 line:6% align:center EQUITY THAT'S SITTING IN THEIR   PRIMARY RESIDENCE.               00:03:42.522 --> 00:03:42.555 line:6% align:center EQUITY THAT'S SITTING IN THEIR   PRIMARY RESIDENCE. I             00:03:42.555 --> 00:03:42.589 line:6% align:center EQUITY THAT'S SITTING IN THEIR   PRIMARY RESIDENCE. IN            00:03:42.589 --> 00:03:42.622 line:6% align:center EQUITY THAT'S SITTING IN THEIR   PRIMARY RESIDENCE. IN TH         00:03:42.622 --> 00:03:42.722 line:6% align:center EQUITY THAT'S SITTING IN THEIR   PRIMARY RESIDENCE. IN THE        00:03:42.722 --> 00:03:42.855 line:6% align:center PRIMARY RESIDENCE. IN THE        00:03:42.855 --> 00:03:42.889 line:6% align:center PRIMARY RESIDENCE. IN THE        MO                               00:03:42.889 --> 00:03:42.922 line:6% align:center PRIMARY RESIDENCE. IN THE        MORN                             00:03:42.922 --> 00:03:42.956 line:6% align:center PRIMARY RESIDENCE. IN THE        MORNIN                           00:03:42.956 --> 00:03:42.989 line:6% align:center PRIMARY RESIDENCE. IN THE        MORNING,                         00:03:42.989 --> 00:03:43.890 line:6% align:center PRIMARY RESIDENCE. IN THE        MORNING,                         00:03:43.890 --> 00:03:43.923 line:6% align:center PRIMARY RESIDENCE. IN THE        MORNING, I                       00:03:43.923 --> 00:03:43.957 line:6% align:center PRIMARY RESIDENCE. IN THE        MORNING, I TH                    00:03:43.957 --> 00:03:43.990 line:6% align:center PRIMARY RESIDENCE. IN THE        MORNING, I THIN                  00:03:43.990 --> 00:03:44.023 line:6% align:center PRIMARY RESIDENCE. IN THE        MORNING, I THINK                 00:03:44.023 --> 00:03:44.057 line:6% align:center PRIMARY RESIDENCE. IN THE        MORNING, I THINK AL              00:03:44.057 --> 00:03:44.090 line:6% align:center PRIMARY RESIDENCE. IN THE        MORNING, I THINK ALL             00:03:44.090 --> 00:03:44.123 line:6% align:center PRIMARY RESIDENCE. IN THE        MORNING, I THINK ALL OF          00:03:44.123 --> 00:03:44.157 line:6% align:center PRIMARY RESIDENCE. IN THE        MORNING, I THINK ALL OF T        00:03:44.157 --> 00:03:44.190 line:6% align:center PRIMARY RESIDENCE. IN THE        MORNING, I THINK ALL OF THO      00:03:44.190 --> 00:03:44.224 line:6% align:center PRIMARY RESIDENCE. IN THE        MORNING, I THINK ALL OF THOSE    00:03:44.224 --> 00:03:45.024 line:6% align:center PRIMARY RESIDENCE. IN THE        MORNING, I THINK ALL OF THOSE    00:03:45.024 --> 00:03:45.158 line:6% align:center MORNING, I THINK ALL OF THOSE    00:03:45.158 --> 00:03:45.191 line:6% align:center MORNING, I THINK ALL OF THOSE    TH                               00:03:45.191 --> 00:03:45.225 line:6% align:center MORNING, I THINK ALL OF THOSE    THIN                             00:03:45.225 --> 00:03:45.258 line:6% align:center MORNING, I THINK ALL OF THOSE    THINGS                           00:03:45.258 --> 00:03:45.291 line:6% align:center MORNING, I THINK ALL OF THOSE    THINGS R                         00:03:45.291 --> 00:03:45.325 line:6% align:center MORNING, I THINK ALL OF THOSE    THINGS REQ                       00:03:45.325 --> 00:03:45.358 line:6% align:center MORNING, I THINK ALL OF THOSE    THINGS REQUI                     00:03:45.358 --> 00:03:45.391 line:6% align:center MORNING, I THINK ALL OF THOSE    THINGS REQUIRE                   00:03:45.391 --> 00:03:45.425 line:6% align:center MORNING, I THINK ALL OF THOSE    THINGS REQUIRE                   00:03:45.425 --> 00:03:45.458 line:6% align:center MORNING, I THINK ALL OF THOSE    THINGS REQUIRE DI                00:03:45.458 --> 00:03:45.491 line:6% align:center MORNING, I THINK ALL OF THOSE    THINGS REQUIRE DIFF              00:03:45.491 --> 00:03:45.525 line:6% align:center MORNING, I THINK ALL OF THOSE    THINGS REQUIRE DIFFER            00:03:45.525 --> 00:03:45.558 line:6% align:center MORNING, I THINK ALL OF THOSE    THINGS REQUIRE DIFFEREN          00:03:45.558 --> 00:03:46.125 line:6% align:center MORNING, I THINK ALL OF THOSE    THINGS REQUIRE DIFFERENT         00:03:46.125 --> 00:03:46.259 line:6% align:center THINGS REQUIRE DIFFERENT         00:03:46.259 --> 00:03:46.292 line:6% align:center THINGS REQUIRE DIFFERENT         TH                               00:03:46.292 --> 00:03:46.326 line:6% align:center THINGS REQUIRE DIFFERENT         THIN                             00:03:46.326 --> 00:03:46.359 line:6% align:center THINGS REQUIRE DIFFERENT         THINKI                           00:03:46.359 --> 00:03:46.392 line:6% align:center THINGS REQUIRE DIFFERENT         THINKING                         00:03:46.392 --> 00:03:46.426 line:6% align:center THINGS REQUIRE DIFFERENT         THINKING A                       00:03:46.426 --> 00:03:46.459 line:6% align:center THINGS REQUIRE DIFFERENT         THINKING AND                     00:03:46.459 --> 00:03:46.859 line:6% align:center THINGS REQUIRE DIFFERENT         THINKING AND                     00:03:46.859 --> 00:03:46.893 line:6% align:center THINGS REQUIRE DIFFERENT         THINKING AND CO                  00:03:46.893 --> 00:03:46.926 line:6% align:center THINGS REQUIRE DIFFERENT         THINKING AND COLL                00:03:46.926 --> 00:03:46.960 line:6% align:center THINGS REQUIRE DIFFERENT         THINKING AND COLLAB              00:03:46.960 --> 00:03:46.993 line:6% align:center THINGS REQUIRE DIFFERENT         THINKING AND COLLABOR            00:03:46.993 --> 00:03:47.026 line:6% align:center THINGS REQUIRE DIFFERENT         THINKING AND COLLABORAT          00:03:47.026 --> 00:03:47.060 line:6% align:center THINGS REQUIRE DIFFERENT         THINKING AND COLLABORATIO        00:03:47.060 --> 00:03:47.160 line:6% align:center THINGS REQUIRE DIFFERENT         THINKING AND COLLABORATION       00:03:47.160 --> 00:03:47.293 line:6% align:center THINKING AND COLLABORATION       00:03:47.293 --> 00:03:47.327 line:6% align:center THINKING AND COLLABORATION       FR                               00:03:47.327 --> 00:03:47.360 line:6% align:center THINKING AND COLLABORATION       FROM                             00:03:47.360 --> 00:03:47.393 line:6% align:center THINKING AND COLLABORATION       FROM A                           00:03:47.393 --> 00:03:47.427 line:6% align:center THINKING AND COLLABORATION       FROM ALL                         00:03:47.427 --> 00:03:47.460 line:6% align:center THINKING AND COLLABORATION       FROM ALL O                       00:03:47.460 --> 00:03:47.827 line:6% align:center THINKING AND COLLABORATION       FROM ALL OF                      00:03:47.827 --> 00:03:47.860 line:6% align:center THINKING AND COLLABORATION       FROM ALL OF US                   00:03:47.860 --> 00:03:47.894 line:6% align:center THINKING AND COLLABORATION       FROM ALL OF US I                 00:03:47.894 --> 00:03:47.927 line:6% align:center THINKING AND COLLABORATION       FROM ALL OF US IN                00:03:47.927 --> 00:03:47.961 line:6% align:center THINKING AND COLLABORATION       FROM ALL OF US IN TH             00:03:47.961 --> 00:03:47.994 line:6% align:center THINKING AND COLLABORATION       FROM ALL OF US IN THE            00:03:47.994 --> 00:03:48.027 line:6% align:center THINKING AND COLLABORATION       FROM ALL OF US IN THE FA         00:03:48.027 --> 00:03:48.061 line:6% align:center THINKING AND COLLABORATION       FROM ALL OF US IN THE FACE       00:03:48.061 --> 00:03:48.094 line:6% align:center THINKING AND COLLABORATION       FROM ALL OF US IN THE FACE O     00:03:48.094 --> 00:03:50.063 line:6% align:center THINKING AND COLLABORATION       FROM ALL OF US IN THE FACE OF    00:03:50.063 --> 00:03:50.196 line:6% align:center FROM ALL OF US IN THE FACE OF    00:03:50.196 --> 00:03:50.230 line:6% align:center FROM ALL OF US IN THE FACE OF    SE                               00:03:50.230 --> 00:03:50.263 line:6% align:center FROM ALL OF US IN THE FACE OF    SERV                             00:03:50.263 --> 00:03:50.296 line:6% align:center FROM ALL OF US IN THE FACE OF    SERVIC                           00:03:50.296 --> 00:03:50.330 line:6% align:center FROM ALL OF US IN THE FACE OF    SERVICES                         00:03:50.330 --> 00:03:50.363 line:6% align:center FROM ALL OF US IN THE FACE OF    SERVICES S                       00:03:50.363 --> 00:03:50.396 line:6% align:center FROM ALL OF US IN THE FACE OF    SERVICES SEC                     00:03:50.396 --> 00:03:50.430 line:6% align:center FROM ALL OF US IN THE FACE OF    SERVICES SECTO                   00:03:50.430 --> 00:03:50.463 line:6% align:center FROM ALL OF US IN THE FACE OF    SERVICES SECTOR                  00:03:50.463 --> 00:03:50.496 line:6% align:center FROM ALL OF US IN THE FACE OF    SERVICES SECTOR PU               00:03:50.496 --> 00:03:50.530 line:6% align:center FROM ALL OF US IN THE FACE OF    SERVICES SECTOR PUBL             00:03:50.530 --> 00:03:50.563 line:6% align:center FROM ALL OF US IN THE FACE OF    SERVICES SECTOR PUBLIC           00:03:50.563 --> 00:03:50.597 line:6% align:center FROM ALL OF US IN THE FACE OF    SERVICES SECTOR PUBLIC           00:03:50.597 --> 00:03:50.630 line:6% align:center FROM ALL OF US IN THE FACE OF    SERVICES SECTOR PUBLIC SE        00:03:50.630 --> 00:03:50.663 line:6% align:center FROM ALL OF US IN THE FACE OF    SERVICES SECTOR PUBLIC SECT      00:03:50.663 --> 00:03:50.697 line:6% align:center FROM ALL OF US IN THE FACE OF    SERVICES SECTOR PUBLIC SECTOR    00:03:50.697 --> 00:03:50.797 line:6% align:center FROM ALL OF US IN THE FACE OF    SERVICES SECTOR PUBLIC SECTOR    00:03:50.797 --> 00:03:50.930 line:6% align:center SERVICES SECTOR PUBLIC SECTOR    00:03:50.930 --> 00:03:50.964 line:6% align:center SERVICES SECTOR PUBLIC SECTOR    IN                               00:03:50.964 --> 00:03:50.997 line:6% align:center SERVICES SECTOR PUBLIC SECTOR    IN                               00:03:50.997 --> 00:03:51.030 line:6% align:center SERVICES SECTOR PUBLIC SECTOR    IN HE                            00:03:51.030 --> 00:03:51.064 line:6% align:center SERVICES SECTOR PUBLIC SECTOR    IN HEAL                          00:03:51.064 --> 00:03:51.097 line:6% align:center SERVICES SECTOR PUBLIC SECTOR    IN HEALTH                        00:03:51.097 --> 00:03:51.130 line:6% align:center SERVICES SECTOR PUBLIC SECTOR    IN HEALTH C                      00:03:51.130 --> 00:03:51.164 line:6% align:center SERVICES SECTOR PUBLIC SECTOR    IN HEALTH CAR                    00:03:51.164 --> 00:03:51.197 line:6% align:center SERVICES SECTOR PUBLIC SECTOR    IN HEALTH CARE                   00:03:51.197 --> 00:03:51.231 line:6% align:center SERVICES SECTOR PUBLIC SECTOR    IN HEALTH CARE TO                00:03:51.231 --> 00:03:51.264 line:6% align:center SERVICES SECTOR PUBLIC SECTOR    IN HEALTH CARE TO R              00:03:51.264 --> 00:03:51.297 line:6% align:center SERVICES SECTOR PUBLIC SECTOR    IN HEALTH CARE TO REA            00:03:51.297 --> 00:03:51.331 line:6% align:center SERVICES SECTOR PUBLIC SECTOR    IN HEALTH CARE TO REALL          00:03:51.331 --> 00:03:51.431 line:6% align:center SERVICES SECTOR PUBLIC SECTOR    IN HEALTH CARE TO REALLY         00:03:51.431 --> 00:03:51.564 line:6% align:center IN HEALTH CARE TO REALLY         00:03:51.564 --> 00:03:51.598 line:6% align:center IN HEALTH CARE TO REALLY         DE                               00:03:51.598 --> 00:03:51.631 line:6% align:center IN HEALTH CARE TO REALLY         DELI                             00:03:51.631 --> 00:03:51.664 line:6% align:center IN HEALTH CARE TO REALLY         DELIBE                           00:03:51.664 --> 00:03:51.698 line:6% align:center IN HEALTH CARE TO REALLY         DELIBERA                         00:03:51.698 --> 00:03:51.731 line:6% align:center IN HEALTH CARE TO REALLY         DELIBERATE                       00:03:51.731 --> 00:03:51.764 line:6% align:center IN HEALTH CARE TO REALLY         DELIBERATE D                     00:03:51.764 --> 00:03:51.798 line:6% align:center IN HEALTH CARE TO REALLY         DELIBERATE DIF                   00:03:51.798 --> 00:03:51.831 line:6% align:center IN HEALTH CARE TO REALLY         DELIBERATE DIFFE                 00:03:51.831 --> 00:03:51.864 line:6% align:center IN HEALTH CARE TO REALLY         DELIBERATE DIFFERE               00:03:51.864 --> 00:03:51.898 line:6% align:center IN HEALTH CARE TO REALLY         DELIBERATE DIFFERENT             00:03:51.898 --> 00:03:51.931 line:6% align:center IN HEALTH CARE TO REALLY         DELIBERATE DIFFERENT O           00:03:51.931 --> 00:03:51.965 line:6% align:center IN HEALTH CARE TO REALLY         DELIBERATE DIFFERENT OUT         00:03:51.965 --> 00:03:51.998 line:6% align:center IN HEALTH CARE TO REALLY         DELIBERATE DIFFERENT OUTCO       00:03:51.998 --> 00:03:52.031 line:6% align:center IN HEALTH CARE TO REALLY         DELIBERATE DIFFERENT OUTCOME     00:03:52.031 --> 00:03:52.799 line:6% align:center IN HEALTH CARE TO REALLY         DELIBERATE DIFFERENT OUTCOME     00:03:52.799 --> 00:03:52.932 line:6% align:center DELIBERATE DIFFERENT OUTCOME     00:03:52.932 --> 00:03:52.966 line:6% align:center DELIBERATE DIFFERENT OUTCOME     FO                               00:03:52.966 --> 00:03:52.999 line:6% align:center DELIBERATE DIFFERENT OUTCOME     FOR                              00:03:52.999 --> 00:03:53.032 line:6% align:center DELIBERATE DIFFERENT OUTCOME     FOR CA                           00:03:53.032 --> 00:03:53.066 line:6% align:center DELIBERATE DIFFERENT OUTCOME     FOR CANA                         00:03:53.066 --> 00:03:53.099 line:6% align:center DELIBERATE DIFFERENT OUTCOME     FOR CANADI                       00:03:53.099 --> 00:03:53.132 line:6% align:center DELIBERATE DIFFERENT OUTCOME     FOR CANADIAN                     00:03:53.132 --> 00:03:53.166 line:6% align:center DELIBERATE DIFFERENT OUTCOME     FOR CANADIANS.                   00:03:53.166 --> 00:03:54.767 line:6% align:center DELIBERATE DIFFERENT OUTCOME     FOR CANADIANS.                   00:03:54.767 --> 00:03:54.901 line:6% align:center FOR CANADIANS.                   00:03:54.901 --> 00:03:54.934 line:6% align:center FOR CANADIANS.                   >>                               00:03:54.934 --> 00:03:54.968 line:6% align:center FOR CANADIANS.                   >> I                             00:03:54.968 --> 00:03:55.001 line:6% align:center FOR CANADIANS.                   >> I T                           00:03:55.001 --> 00:03:55.034 line:6% align:center FOR CANADIANS.                   >> I THO                         00:03:55.034 --> 00:03:55.068 line:6% align:center FOR CANADIANS.                   >> I THOUG                       00:03:55.068 --> 00:03:55.101 line:6% align:center FOR CANADIANS.                   >> I THOUGHT                     00:03:55.101 --> 00:03:55.134 line:6% align:center FOR CANADIANS.                   >> I THOUGHT I                   00:03:55.134 --> 00:03:55.168 line:6% align:center FOR CANADIANS.                   >> I THOUGHT IT                  00:03:55.168 --> 00:03:55.201 line:6% align:center FOR CANADIANS.                   >> I THOUGHT IT WA               00:03:55.201 --> 00:03:55.301 line:6% align:center FOR CANADIANS.                   >> I THOUGHT IT WAS              00:03:55.301 --> 00:03:55.435 line:6% align:center >> I THOUGHT IT WAS              00:03:55.435 --> 00:03:55.468 line:6% align:center >> I THOUGHT IT WAS              IN                               00:03:55.468 --> 00:03:55.501 line:6% align:center >> I THOUGHT IT WAS              INTE                             00:03:55.501 --> 00:03:55.535 line:6% align:center >> I THOUGHT IT WAS              INTERE                           00:03:55.535 --> 00:03:55.568 line:6% align:center >> I THOUGHT IT WAS              INTEREST                         00:03:55.568 --> 00:03:55.602 line:6% align:center >> I THOUGHT IT WAS              INTERESTIN                       00:03:55.602 --> 00:03:55.635 line:6% align:center >> I THOUGHT IT WAS              INTERESTING                      00:03:55.635 --> 00:03:55.668 line:6% align:center >> I THOUGHT IT WAS              INTERESTING TO                   00:03:55.668 --> 00:03:55.702 line:6% align:center >> I THOUGHT IT WAS              INTERESTING TOO,                 00:03:55.702 --> 00:03:55.735 line:6% align:center >> I THOUGHT IT WAS              INTERESTING TOO, T               00:03:55.735 --> 00:03:55.768 line:6% align:center >> I THOUGHT IT WAS              INTERESTING TOO, THA             00:03:55.768 --> 00:03:55.802 line:6% align:center >> I THOUGHT IT WAS              INTERESTING TOO, THAT            00:03:55.802 --> 00:03:55.835 line:6% align:center >> I THOUGHT IT WAS              INTERESTING TOO, THAT YO         00:03:55.835 --> 00:03:56.002 line:6% align:center >> I THOUGHT IT WAS              INTERESTING TOO, THAT YOU        00:03:56.002 --> 00:03:56.135 line:6% align:center INTERESTING TOO, THAT YOU        00:03:56.135 --> 00:03:56.169 line:6% align:center INTERESTING TOO, THAT YOU        HI                               00:03:56.169 --> 00:03:56.202 line:6% align:center INTERESTING TOO, THAT YOU        HIGH                             00:03:56.202 --> 00:03:56.236 line:6% align:center INTERESTING TOO, THAT YOU        HIGHLI                           00:03:56.236 --> 00:03:56.269 line:6% align:center INTERESTING TOO, THAT YOU        HIGHLIGH                         00:03:56.269 --> 00:03:56.302 line:6% align:center INTERESTING TOO, THAT YOU        HIGHLIGHTE                       00:03:56.302 --> 00:03:56.336 line:6% align:center INTERESTING TOO, THAT YOU        HIGHLIGHTED                      00:03:56.336 --> 00:03:56.369 line:6% align:center INTERESTING TOO, THAT YOU        HIGHLIGHTED TH                   00:03:56.369 --> 00:03:56.402 line:6% align:center INTERESTING TOO, THAT YOU        HIGHLIGHTED THAT                 00:03:56.402 --> 00:03:56.869 line:6% align:center INTERESTING TOO, THAT YOU        HIGHLIGHTED THAT                 00:03:56.869 --> 00:03:56.903 line:6% align:center INTERESTING TOO, THAT YOU        HIGHLIGHTED THAT TH              00:03:56.903 --> 00:03:57.804 line:6% align:center INTERESTING TOO, THAT YOU        HIGHLIGHTED THAT THE             00:03:57.804 --> 00:03:57.837 line:6% align:center INTERESTING TOO, THAT YOU        HIGHLIGHTED THAT THE WO          00:03:57.837 --> 00:03:57.870 line:6% align:center INTERESTING TOO, THAT YOU        HIGHLIGHTED THAT THE WORK        00:03:57.870 --> 00:03:57.904 line:6% align:center INTERESTING TOO, THAT YOU        HIGHLIGHTED THAT THE WORKPL      00:03:57.904 --> 00:03:57.937 line:6% align:center INTERESTING TOO, THAT YOU        HIGHLIGHTED THAT THE WORKPLAC    00:03:57.937 --> 00:03:58.037 line:6% align:center INTERESTING TOO, THAT YOU        HIGHLIGHTED THAT THE WORKPLACE   00:03:58.037 --> 00:03:58.171 line:6% align:center HIGHLIGHTED THAT THE WORKPLACE   00:03:58.171 --> 00:03:58.204 line:6% align:center HIGHLIGHTED THAT THE WORKPLACE   CO                               00:03:58.204 --> 00:03:58.238 line:6% align:center HIGHLIGHTED THAT THE WORKPLACE   COUL                             00:03:58.238 --> 00:03:58.271 line:6% align:center HIGHLIGHTED THAT THE WORKPLACE   COULD                            00:03:58.271 --> 00:03:58.304 line:6% align:center HIGHLIGHTED THAT THE WORKPLACE   COULD PL                         00:03:58.304 --> 00:03:58.338 line:6% align:center HIGHLIGHTED THAT THE WORKPLACE   COULD PLAY                       00:03:58.338 --> 00:03:58.371 line:6% align:center HIGHLIGHTED THAT THE WORKPLACE   COULD PLAY A                     00:03:58.371 --> 00:03:59.839 line:6% align:center HIGHLIGHTED THAT THE WORKPLACE   COULD PLAY A                     00:03:59.839 --> 00:03:59.872 line:6% align:center HIGHLIGHTED THAT THE WORKPLACE   COULD PLAY A RO                  00:03:59.872 --> 00:03:59.906 line:6% align:center HIGHLIGHTED THAT THE WORKPLACE   COULD PLAY A ROLE                00:03:59.906 --> 00:03:59.939 line:6% align:center HIGHLIGHTED THAT THE WORKPLACE   COULD PLAY A ROLE A              00:03:59.939 --> 00:04:00.773 line:6% align:center HIGHLIGHTED THAT THE WORKPLACE   COULD PLAY A ROLE AS             00:04:00.773 --> 00:04:00.807 line:6% align:center HIGHLIGHTED THAT THE WORKPLACE   COULD PLAY A ROLE AS WE          00:04:00.807 --> 00:04:00.840 line:6% align:center HIGHLIGHTED THAT THE WORKPLACE   COULD PLAY A ROLE AS WELL        00:04:00.840 --> 00:04:00.873 line:6% align:center HIGHLIGHTED THAT THE WORKPLACE   COULD PLAY A ROLE AS WELL.       00:04:00.873 --> 00:04:00.907 line:6% align:center HIGHLIGHTED THAT THE WORKPLACE   COULD PLAY A ROLE AS WELL. AN    00:04:00.907 --> 00:04:01.007 line:6% align:center HIGHLIGHTED THAT THE WORKPLACE   COULD PLAY A ROLE AS WELL. AND   00:04:01.007 --> 00:04:01.140 line:6% align:center COULD PLAY A ROLE AS WELL. AND   00:04:01.140 --> 00:04:01.174 line:6% align:center COULD PLAY A ROLE AS WELL. AND   YO                               00:04:01.174 --> 00:04:01.207 line:6% align:center COULD PLAY A ROLE AS WELL. AND   YOU                              00:04:01.207 --> 00:04:01.241 line:6% align:center COULD PLAY A ROLE AS WELL. AND   YOU TH                           00:04:01.241 --> 00:04:01.274 line:6% align:center COULD PLAY A ROLE AS WELL. AND   YOU THIN                         00:04:01.274 --> 00:04:01.307 line:6% align:center COULD PLAY A ROLE AS WELL. AND   YOU THINKI                       00:04:01.307 --> 00:04:01.341 line:6% align:center COULD PLAY A ROLE AS WELL. AND   YOU THINKING                     00:04:01.341 --> 00:04:01.708 line:6% align:center COULD PLAY A ROLE AS WELL. AND   YOU THINKING                     00:04:01.708 --> 00:04:01.741 line:6% align:center COULD PLAY A ROLE AS WELL. AND   YOU THINKING AB                  00:04:01.741 --> 00:04:01.774 line:6% align:center COULD PLAY A ROLE AS WELL. AND   YOU THINKING ABOU                00:04:01.774 --> 00:04:01.874 line:6% align:center COULD PLAY A ROLE AS WELL. AND   YOU THINKING ABOUT               00:04:01.874 --> 00:04:01.908 line:6% align:center COULD PLAY A ROLE AS WELL. AND   YOU THINKING ABOUT WH            00:04:01.908 --> 00:04:01.941 line:6% align:center COULD PLAY A ROLE AS WELL. AND   YOU THINKING ABOUT WHEN          00:04:01.941 --> 00:04:02.742 line:6% align:center COULD PLAY A ROLE AS WELL. AND   YOU THINKING ABOUT WHEN          00:04:02.742 --> 00:04:02.875 line:6% align:center YOU THINKING ABOUT WHEN          00:04:02.875 --> 00:04:02.909 line:6% align:center YOU THINKING ABOUT WHEN          SO                               00:04:02.909 --> 00:04:02.942 line:6% align:center YOU THINKING ABOUT WHEN          SOME                             00:04:02.942 --> 00:04:02.976 line:6% align:center YOU THINKING ABOUT WHEN          SOMEBO                           00:04:02.976 --> 00:04:03.009 line:6% align:center YOU THINKING ABOUT WHEN          SOMEBODY                         00:04:03.009 --> 00:04:03.042 line:6% align:center YOU THINKING ABOUT WHEN          SOMEBODY I                       00:04:03.042 --> 00:04:03.776 line:6% align:center YOU THINKING ABOUT WHEN          SOMEBODY IS                      00:04:03.776 --> 00:04:03.810 line:6% align:center YOU THINKING ABOUT WHEN          SOMEBODY IS PA                   00:04:03.810 --> 00:04:03.843 line:6% align:center YOU THINKING ABOUT WHEN          SOMEBODY IS PART                 00:04:03.843 --> 00:04:03.876 line:6% align:center YOU THINKING ABOUT WHEN          SOMEBODY IS PARTIC               00:04:03.876 --> 00:04:03.910 line:6% align:center YOU THINKING ABOUT WHEN          SOMEBODY IS PARTICIP             00:04:03.910 --> 00:04:03.943 line:6% align:center YOU THINKING ABOUT WHEN          SOMEBODY IS PARTICIPAT           00:04:03.943 --> 00:04:03.977 line:6% align:center YOU THINKING ABOUT WHEN          SOMEBODY IS PARTICIPATIN         00:04:03.977 --> 00:04:04.010 line:6% align:center YOU THINKING ABOUT WHEN          SOMEBODY IS PARTICIPATING        00:04:04.010 --> 00:04:04.043 line:6% align:center YOU THINKING ABOUT WHEN          SOMEBODY IS PARTICIPATING IN     00:04:04.043 --> 00:04:04.777 line:6% align:center YOU THINKING ABOUT WHEN          SOMEBODY IS PARTICIPATING IN     00:04:04.777 --> 00:04:04.877 line:6% align:center YOU THINKING ABOUT WHEN          SOMEBODY IS PARTICIPATING IN A   00:04:04.877 --> 00:04:05.011 line:6% align:center SOMEBODY IS PARTICIPATING IN A   00:04:05.011 --> 00:04:05.044 line:6% align:center SOMEBODY IS PARTICIPATING IN A   IN                               00:04:05.044 --> 00:04:05.078 line:6% align:center SOMEBODY IS PARTICIPATING IN A   IN A                             00:04:05.078 --> 00:04:05.111 line:6% align:center SOMEBODY IS PARTICIPATING IN A   IN A W                           00:04:05.111 --> 00:04:05.144 line:6% align:center SOMEBODY IS PARTICIPATING IN A   IN A WOR                         00:04:05.144 --> 00:04:05.178 line:6% align:center SOMEBODY IS PARTICIPATING IN A   IN A WORKP                       00:04:05.178 --> 00:04:05.211 line:6% align:center SOMEBODY IS PARTICIPATING IN A   IN A WORKPLA                     00:04:05.211 --> 00:04:05.245 line:6% align:center SOMEBODY IS PARTICIPATING IN A   IN A WORKPLACE                   00:04:05.245 --> 00:04:05.278 line:6% align:center SOMEBODY IS PARTICIPATING IN A   IN A WORKPLACE P                 00:04:05.278 --> 00:04:05.311 line:6% align:center SOMEBODY IS PARTICIPATING IN A   IN A WORKPLACE PEN               00:04:05.311 --> 00:04:05.345 line:6% align:center SOMEBODY IS PARTICIPATING IN A   IN A WORKPLACE PENSI             00:04:05.345 --> 00:04:05.378 line:6% align:center SOMEBODY IS PARTICIPATING IN A   IN A WORKPLACE PENSION           00:04:05.378 --> 00:04:05.812 line:6% align:center SOMEBODY IS PARTICIPATING IN A   IN A WORKPLACE PENSION,          00:04:05.812 --> 00:04:05.845 line:6% align:center SOMEBODY IS PARTICIPATING IN A   IN A WORKPLACE PENSION, WH       00:04:05.845 --> 00:04:05.878 line:6% align:center SOMEBODY IS PARTICIPATING IN A   IN A WORKPLACE PENSION, WHEN     00:04:05.878 --> 00:04:05.979 line:6% align:center SOMEBODY IS PARTICIPATING IN A   IN A WORKPLACE PENSION, WHEN     00:04:05.979 --> 00:04:06.112 line:6% align:center IN A WORKPLACE PENSION, WHEN     00:04:06.112 --> 00:04:06.145 line:6% align:center IN A WORKPLACE PENSION, WHEN     TH                               00:04:06.145 --> 00:04:06.179 line:6% align:center IN A WORKPLACE PENSION, WHEN     THEY                             00:04:06.179 --> 00:04:06.212 line:6% align:center IN A WORKPLACE PENSION, WHEN     THEY'R                           00:04:06.212 --> 00:04:06.246 line:6% align:center IN A WORKPLACE PENSION, WHEN     THEY'RE                          00:04:06.246 --> 00:04:06.279 line:6% align:center IN A WORKPLACE PENSION, WHEN     THEY'RE DE                       00:04:06.279 --> 00:04:06.312 line:6% align:center IN A WORKPLACE PENSION, WHEN     THEY'RE DECI                     00:04:06.312 --> 00:04:06.346 line:6% align:center IN A WORKPLACE PENSION, WHEN     THEY'RE DECIDI                   00:04:06.346 --> 00:04:06.379 line:6% align:center IN A WORKPLACE PENSION, WHEN     THEY'RE DECIDING                 00:04:06.379 --> 00:04:06.579 line:6% align:center IN A WORKPLACE PENSION, WHEN     THEY'RE DECIDING                 00:04:06.579 --> 00:04:06.613 line:6% align:center IN A WORKPLACE PENSION, WHEN     THEY'RE DECIDING HO              00:04:06.613 --> 00:04:06.646 line:6% align:center IN A WORKPLACE PENSION, WHEN     THEY'RE DECIDING HOW             00:04:06.646 --> 00:04:06.679 line:6% align:center IN A WORKPLACE PENSION, WHEN     THEY'RE DECIDING HOW MU          00:04:06.679 --> 00:04:06.713 line:6% align:center IN A WORKPLACE PENSION, WHEN     THEY'RE DECIDING HOW MUCH        00:04:06.713 --> 00:04:07.313 line:6% align:center IN A WORKPLACE PENSION, WHEN     THEY'RE DECIDING HOW MUCH        00:04:07.313 --> 00:04:07.447 line:6% align:center THEY'RE DECIDING HOW MUCH        00:04:07.447 --> 00:04:07.480 line:6% align:center THEY'RE DECIDING HOW MUCH        TH                               00:04:07.480 --> 00:04:07.513 line:6% align:center THEY'RE DECIDING HOW MUCH        THEY                             00:04:07.513 --> 00:04:07.547 line:6% align:center THEY'RE DECIDING HOW MUCH        THEY'R                           00:04:07.547 --> 00:04:07.580 line:6% align:center THEY'RE DECIDING HOW MUCH        THEY'RE                          00:04:07.580 --> 00:04:07.614 line:6% align:center THEY'RE DECIDING HOW MUCH        THEY'RE AL                       00:04:07.614 --> 00:04:07.647 line:6% align:center THEY'RE DECIDING HOW MUCH        THEY'RE ALLO                     00:04:07.647 --> 00:04:07.680 line:6% align:center THEY'RE DECIDING HOW MUCH        THEY'RE ALLOTT                   00:04:07.680 --> 00:04:07.714 line:6% align:center THEY'RE DECIDING HOW MUCH        THEY'RE ALLOTTIN                 00:04:07.714 --> 00:04:07.747 line:6% align:center THEY'RE DECIDING HOW MUCH        THEY'RE ALLOTTING                00:04:07.747 --> 00:04:07.780 line:6% align:center THEY'RE DECIDING HOW MUCH        THEY'RE ALLOTTING TO             00:04:07.780 --> 00:04:07.814 line:6% align:center THEY'RE DECIDING HOW MUCH        THEY'RE ALLOTTING TO T           00:04:07.814 --> 00:04:07.847 line:6% align:center THEY'RE DECIDING HOW MUCH        THEY'RE ALLOTTING TO THA         00:04:07.847 --> 00:04:07.880 line:6% align:center THEY'RE DECIDING HOW MUCH        THEY'RE ALLOTTING TO THAT        00:04:07.880 --> 00:04:07.914 line:6% align:center THEY'RE DECIDING HOW MUCH        THEY'RE ALLOTTING TO THAT WH     00:04:07.914 --> 00:04:07.947 line:6% align:center THEY'RE DECIDING HOW MUCH        THEY'RE ALLOTTING TO THAT WHEN   00:04:07.947 --> 00:04:08.047 line:6% align:center THEY'RE DECIDING HOW MUCH        THEY'RE ALLOTTING TO THAT WHEN   00:04:08.047 --> 00:04:08.181 line:6% align:center THEY'RE ALLOTTING TO THAT WHEN   00:04:08.181 --> 00:04:08.214 line:6% align:center THEY'RE ALLOTTING TO THAT WHEN   TH                               00:04:08.214 --> 00:04:08.248 line:6% align:center THEY'RE ALLOTTING TO THAT WHEN   THEY                             00:04:08.248 --> 00:04:08.281 line:6% align:center THEY'RE ALLOTTING TO THAT WHEN   THEY H                           00:04:08.281 --> 00:04:08.314 line:6% align:center THEY'RE ALLOTTING TO THAT WHEN   THEY HAV                         00:04:08.314 --> 00:04:10.149 line:6% align:center THEY'RE ALLOTTING TO THAT WHEN   THEY HAVE                        00:04:10.149 --> 00:04:10.183 line:6% align:center THEY'RE ALLOTTING TO THAT WHEN   THEY HAVE TH                     00:04:10.183 --> 00:04:10.216 line:6% align:center THEY'RE ALLOTTING TO THAT WHEN   THEY HAVE THE                    00:04:10.216 --> 00:04:10.250 line:6% align:center THEY'RE ALLOTTING TO THAT WHEN   THEY HAVE THE CH                 00:04:10.250 --> 00:04:10.283 line:6% align:center THEY'RE ALLOTTING TO THAT WHEN   THEY HAVE THE CHOI               00:04:10.283 --> 00:04:10.316 line:6% align:center THEY'RE ALLOTTING TO THAT WHEN   THEY HAVE THE CHOICE             00:04:10.316 --> 00:04:11.184 line:6% align:center THEY'RE ALLOTTING TO THAT WHEN   THEY HAVE THE CHOICE             00:04:11.184 --> 00:04:11.217 line:6% align:center THEY'RE ALLOTTING TO THAT WHEN   THEY HAVE THE CHOICE TH          00:04:11.217 --> 00:04:11.251 line:6% align:center THEY'RE ALLOTTING TO THAT WHEN   THEY HAVE THE CHOICE THAT        00:04:11.251 --> 00:04:11.284 line:6% align:center THEY'RE ALLOTTING TO THAT WHEN   THEY HAVE THE CHOICE THAT M      00:04:11.284 --> 00:04:11.317 line:6% align:center THEY'RE ALLOTTING TO THAT WHEN   THEY HAVE THE CHOICE THAT MAY    00:04:11.317 --> 00:04:11.417 line:6% align:center THEY'RE ALLOTTING TO THAT WHEN   THEY HAVE THE CHOICE THAT MAY    00:04:11.417 --> 00:04:11.551 line:6% align:center THEY HAVE THE CHOICE THAT MAY    00:04:11.551 --> 00:04:11.584 line:6% align:center THEY HAVE THE CHOICE THAT MAY    BE                               00:04:11.584 --> 00:04:11.618 line:6% align:center THEY HAVE THE CHOICE THAT MAY    BE P                             00:04:11.618 --> 00:04:11.651 line:6% align:center THEY HAVE THE CHOICE THAT MAY    BE PAR                           00:04:11.651 --> 00:04:11.684 line:6% align:center THEY HAVE THE CHOICE THAT MAY    BE PART                          00:04:11.684 --> 00:04:11.718 line:6% align:center THEY HAVE THE CHOICE THAT MAY    BE PART OF                       00:04:11.718 --> 00:04:12.185 line:6% align:center THEY HAVE THE CHOICE THAT MAY    BE PART OF                       00:04:12.185 --> 00:04:12.218 line:6% align:center THEY HAVE THE CHOICE THAT MAY    BE PART OF TH                    00:04:12.218 --> 00:04:12.252 line:6% align:center THEY HAVE THE CHOICE THAT MAY    BE PART OF THAT                  00:04:12.252 --> 00:04:12.285 line:6% align:center THEY HAVE THE CHOICE THAT MAY    BE PART OF THAT C                00:04:12.285 --> 00:04:12.318 line:6% align:center THEY HAVE THE CHOICE THAT MAY    BE PART OF THAT COU              00:04:12.318 --> 00:04:12.352 line:6% align:center THEY HAVE THE CHOICE THAT MAY    BE PART OF THAT COULD            00:04:12.352 --> 00:04:12.385 line:6% align:center THEY HAVE THE CHOICE THAT MAY    BE PART OF THAT COULD B          00:04:12.385 --> 00:04:13.152 line:6% align:center THEY HAVE THE CHOICE THAT MAY    BE PART OF THAT COULD BE         00:04:13.152 --> 00:04:13.286 line:6% align:center BE PART OF THAT COULD BE         00:04:13.286 --> 00:04:13.319 line:6% align:center BE PART OF THAT COULD BE         HE                               00:04:13.319 --> 00:04:13.353 line:6% align:center BE PART OF THAT COULD BE         HELP                             00:04:13.353 --> 00:04:13.386 line:6% align:center BE PART OF THAT COULD BE         HELPIN                           00:04:13.386 --> 00:04:13.886 line:6% align:center BE PART OF THAT COULD BE         HELPING                          00:04:13.886 --> 00:04:13.920 line:6% align:center BE PART OF THAT COULD BE         HELPING YO                       00:04:13.920 --> 00:04:13.953 line:6% align:center BE PART OF THAT COULD BE         HELPING YOU                      00:04:13.953 --> 00:04:13.987 line:6% align:center BE PART OF THAT COULD BE         HELPING YOU CA                   00:04:13.987 --> 00:04:14.020 line:6% align:center BE PART OF THAT COULD BE         HELPING YOU CALC                 00:04:14.020 --> 00:04:14.053 line:6% align:center BE PART OF THAT COULD BE         HELPING YOU CALCUL               00:04:14.053 --> 00:04:14.087 line:6% align:center BE PART OF THAT COULD BE         HELPING YOU CALCULAT             00:04:14.087 --> 00:04:14.120 line:6% align:center BE PART OF THAT COULD BE         HELPING YOU CALCULATE            00:04:14.120 --> 00:04:14.153 line:6% align:center BE PART OF THAT COULD BE         HELPING YOU CALCULATE WH         00:04:14.153 --> 00:04:14.187 line:6% align:center BE PART OF THAT COULD BE         HELPING YOU CALCULATE WHAT       00:04:14.187 --> 00:04:14.287 line:6% align:center BE PART OF THAT COULD BE         HELPING YOU CALCULATE WHAT       00:04:14.287 --> 00:04:14.420 line:6% align:center HELPING YOU CALCULATE WHAT       00:04:14.420 --> 00:04:14.454 line:6% align:center HELPING YOU CALCULATE WHAT       YO                               00:04:14.454 --> 00:04:14.487 line:6% align:center HELPING YOU CALCULATE WHAT       YOU'                             00:04:14.487 --> 00:04:14.520 line:6% align:center HELPING YOU CALCULATE WHAT       YOU'RE                           00:04:14.520 --> 00:04:14.554 line:6% align:center HELPING YOU CALCULATE WHAT       YOU'RE G                         00:04:14.554 --> 00:04:14.587 line:6% align:center HELPING YOU CALCULATE WHAT       YOU'RE GOI                       00:04:14.587 --> 00:04:14.621 line:6% align:center HELPING YOU CALCULATE WHAT       YOU'RE GOING                     00:04:14.621 --> 00:04:14.654 line:6% align:center HELPING YOU CALCULATE WHAT       YOU'RE GOING T                   00:04:14.654 --> 00:04:14.687 line:6% align:center HELPING YOU CALCULATE WHAT       YOU'RE GOING TO                  00:04:14.687 --> 00:04:14.721 line:6% align:center HELPING YOU CALCULATE WHAT       YOU'RE GOING TO NE               00:04:14.721 --> 00:04:14.754 line:6% align:center HELPING YOU CALCULATE WHAT       YOU'RE GOING TO NEED             00:04:14.754 --> 00:04:14.787 line:6% align:center HELPING YOU CALCULATE WHAT       YOU'RE GOING TO NEED D           00:04:14.787 --> 00:04:14.821 line:6% align:center HELPING YOU CALCULATE WHAT       YOU'RE GOING TO NEED DOW         00:04:14.821 --> 00:04:15.989 line:6% align:center HELPING YOU CALCULATE WHAT       YOU'RE GOING TO NEED DOWN        00:04:15.989 --> 00:04:16.022 line:6% align:center HELPING YOU CALCULATE WHAT       YOU'RE GOING TO NEED DOWN TH     00:04:16.022 --> 00:04:16.122 line:6% align:center HELPING YOU CALCULATE WHAT       YOU'RE GOING TO NEED DOWN THE    00:04:16.122 --> 00:04:16.256 line:6% align:center YOU'RE GOING TO NEED DOWN THE    00:04:16.256 --> 00:04:16.289 line:6% align:center YOU'RE GOING TO NEED DOWN THE    RO                               00:04:16.289 --> 00:04:16.322 line:6% align:center YOU'RE GOING TO NEED DOWN THE    ROAD                             00:04:16.322 --> 00:04:17.790 line:6% align:center YOU'RE GOING TO NEED DOWN THE    ROAD                             00:04:17.790 --> 00:04:17.824 line:6% align:center YOU'RE GOING TO NEED DOWN THE    ROAD RA                          00:04:17.824 --> 00:04:17.857 line:6% align:center YOU'RE GOING TO NEED DOWN THE    ROAD RATH                        00:04:17.857 --> 00:04:17.890 line:6% align:center YOU'RE GOING TO NEED DOWN THE    ROAD RATHER                      00:04:17.890 --> 00:04:17.924 line:6% align:center YOU'RE GOING TO NEED DOWN THE    ROAD RATHER T                    00:04:17.924 --> 00:04:17.957 line:6% align:center YOU'RE GOING TO NEED DOWN THE    ROAD RATHER THA                  00:04:17.957 --> 00:04:17.991 line:6% align:center YOU'RE GOING TO NEED DOWN THE    ROAD RATHER THAN                 00:04:17.991 --> 00:04:18.024 line:6% align:center YOU'RE GOING TO NEED DOWN THE    ROAD RATHER THAN JU              00:04:18.024 --> 00:04:18.057 line:6% align:center YOU'RE GOING TO NEED DOWN THE    ROAD RATHER THAN JUST            00:04:18.057 --> 00:04:18.157 line:6% align:center YOU'RE GOING TO NEED DOWN THE    ROAD RATHER THAN JUST            00:04:18.157 --> 00:04:18.291 line:6% align:center ROAD RATHER THAN JUST            00:04:18.291 --> 00:04:18.324 line:6% align:center ROAD RATHER THAN JUST            TH                               00:04:18.324 --> 00:04:18.358 line:6% align:center ROAD RATHER THAN JUST            THIN                             00:04:18.358 --> 00:04:18.391 line:6% align:center ROAD RATHER THAN JUST            THINKI                           00:04:18.391 --> 00:04:18.424 line:6% align:center ROAD RATHER THAN JUST            THINKING                         00:04:18.424 --> 00:04:18.458 line:6% align:center ROAD RATHER THAN JUST            THINKING,                        00:04:18.458 --> 00:04:18.491 line:6% align:center ROAD RATHER THAN JUST            THINKING, HO                     00:04:18.491 --> 00:04:18.524 line:6% align:center ROAD RATHER THAN JUST            THINKING, HOW                    00:04:18.524 --> 00:04:18.558 line:6% align:center ROAD RATHER THAN JUST            THINKING, HOW MU                 00:04:18.558 --> 00:04:18.591 line:6% align:center ROAD RATHER THAN JUST            THINKING, HOW MUCH               00:04:18.591 --> 00:04:18.625 line:6% align:center ROAD RATHER THAN JUST            THINKING, HOW MUCH I             00:04:18.625 --> 00:04:18.658 line:6% align:center ROAD RATHER THAN JUST            THINKING, HOW MUCH IS            00:04:18.658 --> 00:04:18.691 line:6% align:center ROAD RATHER THAN JUST            THINKING, HOW MUCH IS IT         00:04:18.691 --> 00:04:18.725 line:6% align:center ROAD RATHER THAN JUST            THINKING, HOW MUCH IS IT G       00:04:18.725 --> 00:04:18.758 line:6% align:center ROAD RATHER THAN JUST            THINKING, HOW MUCH IS IT GOI     00:04:18.758 --> 00:04:18.791 line:6% align:center ROAD RATHER THAN JUST            THINKING, HOW MUCH IS IT GOING   00:04:18.791 --> 00:04:18.891 line:6% align:center ROAD RATHER THAN JUST            THINKING, HOW MUCH IS IT GOING   00:04:18.891 --> 00:04:19.025 line:6% align:center THINKING, HOW MUCH IS IT GOING   00:04:19.025 --> 00:04:19.058 line:6% align:center THINKING, HOW MUCH IS IT GOING   TO                               00:04:19.058 --> 00:04:19.092 line:6% align:center THINKING, HOW MUCH IS IT GOING   TO T                             00:04:19.092 --> 00:04:19.125 line:6% align:center THINKING, HOW MUCH IS IT GOING   TO TAK                           00:04:19.125 --> 00:04:19.158 line:6% align:center THINKING, HOW MUCH IS IT GOING   TO TAKE                          00:04:19.158 --> 00:04:19.192 line:6% align:center THINKING, HOW MUCH IS IT GOING   TO TAKE OF                       00:04:19.192 --> 00:04:19.225 line:6% align:center THINKING, HOW MUCH IS IT GOING   TO TAKE OFF                      00:04:19.225 --> 00:04:19.259 line:6% align:center THINKING, HOW MUCH IS IT GOING   TO TAKE OFF OF                   00:04:19.259 --> 00:04:19.292 line:6% align:center THINKING, HOW MUCH IS IT GOING   TO TAKE OFF OF U                 00:04:19.292 --> 00:04:19.325 line:6% align:center THINKING, HOW MUCH IS IT GOING   TO TAKE OFF OF UP                00:04:19.325 --> 00:04:19.359 line:6% align:center THINKING, HOW MUCH IS IT GOING   TO TAKE OFF OF UP MY             00:04:19.359 --> 00:04:19.459 line:6% align:center THINKING, HOW MUCH IS IT GOING   TO TAKE OFF OF UP MY             00:04:19.459 --> 00:04:19.592 line:6% align:center TO TAKE OFF OF UP MY             00:04:19.592 --> 00:04:19.626 line:6% align:center TO TAKE OFF OF UP MY             PA                               00:04:19.626 --> 00:04:19.659 line:6% align:center TO TAKE OFF OF UP MY             PAYC                             00:04:19.659 --> 00:04:19.692 line:6% align:center TO TAKE OFF OF UP MY             PAYCHE                           00:04:19.692 --> 00:04:19.726 line:6% align:center TO TAKE OFF OF UP MY             PAYCHEQU                         00:04:19.726 --> 00:04:19.759 line:6% align:center TO TAKE OFF OF UP MY             PAYCHEQUE.                       00:04:19.759 --> 00:04:22.362 line:6% align:center TO TAKE OFF OF UP MY             PAYCHEQUE.                       00:04:22.362 --> 00:04:22.495 line:6% align:center PAYCHEQUE.                       00:04:22.495 --> 00:04:22.528 line:6% align:center PAYCHEQUE.                       >>                               00:04:22.528 --> 00:04:22.562 line:6% align:center PAYCHEQUE.                       >> I                             00:04:22.562 --> 00:04:23.229 line:6% align:center PAYCHEQUE.                       >> I                             00:04:23.229 --> 00:04:23.263 line:6% align:center PAYCHEQUE.                       >> I TH                          00:04:23.263 --> 00:04:23.296 line:6% align:center PAYCHEQUE.                       >> I THIN                        00:04:23.296 --> 00:04:23.329 line:6% align:center PAYCHEQUE.                       >> I THINK                       00:04:23.329 --> 00:04:23.363 line:6% align:center PAYCHEQUE.                       >> I THINK TH                    00:04:23.363 --> 00:04:23.396 line:6% align:center PAYCHEQUE.                       >> I THINK THAT                  00:04:23.396 --> 00:04:23.429 line:6% align:center PAYCHEQUE.                       >> I THINK THAT A                00:04:23.429 --> 00:04:23.463 line:6% align:center PAYCHEQUE.                       >> I THINK THAT A L              00:04:23.463 --> 00:04:23.496 line:6% align:center PAYCHEQUE.                       >> I THINK THAT A LAC            00:04:23.496 --> 00:04:23.529 line:6% align:center PAYCHEQUE.                       >> I THINK THAT A LACK           00:04:23.529 --> 00:04:23.563 line:6% align:center PAYCHEQUE.                       >> I THINK THAT A LACK OF        00:04:23.563 --> 00:04:23.663 line:6% align:center PAYCHEQUE.                       >> I THINK THAT A LACK OF        00:04:23.663 --> 00:04:23.796 line:6% align:center >> I THINK THAT A LACK OF        00:04:23.796 --> 00:04:23.830 line:6% align:center >> I THINK THAT A LACK OF        CO                               00:04:23.830 --> 00:04:23.863 line:6% align:center >> I THINK THAT A LACK OF        CONT                             00:04:23.863 --> 00:04:23.896 line:6% align:center >> I THINK THAT A LACK OF        CONTEX                           00:04:23.896 --> 00:04:23.930 line:6% align:center >> I THINK THAT A LACK OF        CONTEXT,                         00:04:23.930 --> 00:04:23.963 line:6% align:center >> I THINK THAT A LACK OF        CONTEXT,                         00:04:23.963 --> 00:04:23.997 line:6% align:center >> I THINK THAT A LACK OF        CONTEXT, AS                      00:04:23.997 --> 00:04:24.163 line:6% align:center >> I THINK THAT A LACK OF        CONTEXT, AS                      00:04:24.163 --> 00:04:24.197 line:6% align:center >> I THINK THAT A LACK OF        CONTEXT, AS YO                   00:04:24.197 --> 00:04:24.230 line:6% align:center >> I THINK THAT A LACK OF        CONTEXT, AS YOU                  00:04:24.230 --> 00:04:24.264 line:6% align:center >> I THINK THAT A LACK OF        CONTEXT, AS YOU PO               00:04:24.264 --> 00:04:24.297 line:6% align:center >> I THINK THAT A LACK OF        CONTEXT, AS YOU POIN             00:04:24.297 --> 00:04:24.330 line:6% align:center >> I THINK THAT A LACK OF        CONTEXT, AS YOU POINT            00:04:24.330 --> 00:04:24.364 line:6% align:center >> I THINK THAT A LACK OF        CONTEXT, AS YOU POINT OU         00:04:24.364 --> 00:04:24.397 line:6% align:center >> I THINK THAT A LACK OF        CONTEXT, AS YOU POINT OUT,       00:04:24.397 --> 00:04:24.430 line:6% align:center >> I THINK THAT A LACK OF        CONTEXT, AS YOU POINT OUT, I     00:04:24.430 --> 00:04:24.530 line:6% align:center >> I THINK THAT A LACK OF        CONTEXT, AS YOU POINT OUT, IS    00:04:24.530 --> 00:04:24.664 line:6% align:center CONTEXT, AS YOU POINT OUT, IS    00:04:24.664 --> 00:04:24.697 line:6% align:center CONTEXT, AS YOU POINT OUT, IS    ON                               00:04:24.697 --> 00:04:24.731 line:6% align:center CONTEXT, AS YOU POINT OUT, IS    ONE                              00:04:24.731 --> 00:04:24.764 line:6% align:center CONTEXT, AS YOU POINT OUT, IS    ONE OF                           00:04:24.764 --> 00:04:25.365 line:6% align:center CONTEXT, AS YOU POINT OUT, IS    ONE OF                           00:04:25.365 --> 00:04:25.398 line:6% align:center CONTEXT, AS YOU POINT OUT, IS    ONE OF TH                        00:04:25.398 --> 00:04:25.431 line:6% align:center CONTEXT, AS YOU POINT OUT, IS    ONE OF THE                       00:04:25.431 --> 00:04:25.465 line:6% align:center CONTEXT, AS YOU POINT OUT, IS    ONE OF THE MO                    00:04:25.465 --> 00:04:25.498 line:6% align:center CONTEXT, AS YOU POINT OUT, IS    ONE OF THE MOST                  00:04:25.498 --> 00:04:26.432 line:6% align:center CONTEXT, AS YOU POINT OUT, IS    ONE OF THE MOST                  00:04:26.432 --> 00:04:26.466 line:6% align:center CONTEXT, AS YOU POINT OUT, IS    ONE OF THE MOST IM               00:04:26.466 --> 00:04:26.499 line:6% align:center CONTEXT, AS YOU POINT OUT, IS    ONE OF THE MOST IMPO             00:04:26.499 --> 00:04:26.532 line:6% align:center CONTEXT, AS YOU POINT OUT, IS    ONE OF THE MOST IMPORT           00:04:26.532 --> 00:04:26.566 line:6% align:center CONTEXT, AS YOU POINT OUT, IS    ONE OF THE MOST IMPORTAN         00:04:26.566 --> 00:04:26.666 line:6% align:center CONTEXT, AS YOU POINT OUT, IS    ONE OF THE MOST IMPORTANT        00:04:26.666 --> 00:04:26.799 line:6% align:center ONE OF THE MOST IMPORTANT        00:04:26.799 --> 00:04:26.833 line:6% align:center ONE OF THE MOST IMPORTANT        IS                               00:04:26.833 --> 00:04:26.866 line:6% align:center ONE OF THE MOST IMPORTANT        ISSU                             00:04:26.866 --> 00:04:26.899 line:6% align:center ONE OF THE MOST IMPORTANT        ISSUE                            00:04:26.899 --> 00:04:26.933 line:6% align:center ONE OF THE MOST IMPORTANT        ISSUE TH                         00:04:26.933 --> 00:04:26.966 line:6% align:center ONE OF THE MOST IMPORTANT        ISSUE THAT                       00:04:26.966 --> 00:04:27.000 line:6% align:center ONE OF THE MOST IMPORTANT        ISSUE THAT W                     00:04:27.000 --> 00:04:27.033 line:6% align:center ONE OF THE MOST IMPORTANT        ISSUE THAT WE'                   00:04:27.033 --> 00:04:27.066 line:6% align:center ONE OF THE MOST IMPORTANT        ISSUE THAT WE'RE                 00:04:27.066 --> 00:04:27.100 line:6% align:center ONE OF THE MOST IMPORTANT        ISSUE THAT WE'RE                 00:04:27.100 --> 00:04:27.133 line:6% align:center ONE OF THE MOST IMPORTANT        ISSUE THAT WE'RE HA              00:04:27.133 --> 00:04:27.166 line:6% align:center ONE OF THE MOST IMPORTANT        ISSUE THAT WE'RE HAVI            00:04:27.166 --> 00:04:27.200 line:6% align:center ONE OF THE MOST IMPORTANT        ISSUE THAT WE'RE HAVING          00:04:27.200 --> 00:04:27.233 line:6% align:center ONE OF THE MOST IMPORTANT        ISSUE THAT WE'RE HAVING W        00:04:27.233 --> 00:04:27.267 line:6% align:center ONE OF THE MOST IMPORTANT        ISSUE THAT WE'RE HAVING WHE      00:04:27.267 --> 00:04:27.367 line:6% align:center ONE OF THE MOST IMPORTANT        ISSUE THAT WE'RE HAVING WHEN     00:04:27.367 --> 00:04:27.500 line:6% align:center ISSUE THAT WE'RE HAVING WHEN     00:04:27.500 --> 00:04:27.533 line:6% align:center ISSUE THAT WE'RE HAVING WHEN     IT                               00:04:27.533 --> 00:04:27.567 line:6% align:center ISSUE THAT WE'RE HAVING WHEN     IT                               00:04:27.567 --> 00:04:27.600 line:6% align:center ISSUE THAT WE'RE HAVING WHEN     IT CO                            00:04:27.600 --> 00:04:27.634 line:6% align:center ISSUE THAT WE'RE HAVING WHEN     IT COME                          00:04:27.634 --> 00:04:27.667 line:6% align:center ISSUE THAT WE'RE HAVING WHEN     IT COMES                         00:04:27.667 --> 00:04:27.700 line:6% align:center ISSUE THAT WE'RE HAVING WHEN     IT COMES TO                      00:04:27.700 --> 00:04:27.734 line:6% align:center ISSUE THAT WE'RE HAVING WHEN     IT COMES TO T                    00:04:27.734 --> 00:04:27.767 line:6% align:center ISSUE THAT WE'RE HAVING WHEN     IT COMES TO THE                  00:04:27.767 --> 00:04:27.800 line:6% align:center ISSUE THAT WE'RE HAVING WHEN     IT COMES TO THE L                00:04:27.800 --> 00:04:27.834 line:6% align:center ISSUE THAT WE'RE HAVING WHEN     IT COMES TO THE LAC              00:04:27.834 --> 00:04:27.867 line:6% align:center ISSUE THAT WE'RE HAVING WHEN     IT COMES TO THE LACK             00:04:27.867 --> 00:04:27.900 line:6% align:center ISSUE THAT WE'RE HAVING WHEN     IT COMES TO THE LACK OF          00:04:27.900 --> 00:04:28.001 line:6% align:center ISSUE THAT WE'RE HAVING WHEN     IT COMES TO THE LACK OF          00:04:28.001 --> 00:04:28.134 line:6% align:center IT COMES TO THE LACK OF          00:04:28.134 --> 00:04:28.167 line:6% align:center IT COMES TO THE LACK OF          RE                               00:04:28.167 --> 00:04:28.201 line:6% align:center IT COMES TO THE LACK OF          READ                             00:04:28.201 --> 00:04:28.234 line:6% align:center IT COMES TO THE LACK OF          READIN                           00:04:28.234 --> 00:04:29.302 line:6% align:center IT COMES TO THE LACK OF          READING                          00:04:29.302 --> 00:04:29.335 line:6% align:center IT COMES TO THE LACK OF          READING TH                       00:04:29.335 --> 00:04:29.369 line:6% align:center IT COMES TO THE LACK OF          READING THIS                     00:04:29.369 --> 00:04:29.402 line:6% align:center IT COMES TO THE LACK OF          READING THIS A                   00:04:29.402 --> 00:04:29.435 line:6% align:center IT COMES TO THE LACK OF          READING THIS ACA                 00:04:29.435 --> 00:04:29.469 line:6% align:center IT COMES TO THE LACK OF          READING THIS ACADI               00:04:29.469 --> 00:04:29.502 line:6% align:center IT COMES TO THE LACK OF          READING THIS ACADIAN             00:04:29.502 --> 00:04:29.535 line:6% align:center IT COMES TO THE LACK OF          READING THIS ACADIANS.           00:04:29.535 --> 00:04:29.769 line:6% align:center IT COMES TO THE LACK OF          READING THIS ACADIANS.           00:04:29.769 --> 00:04:29.802 line:6% align:center IT COMES TO THE LACK OF          READING THIS ACADIANS. SO        00:04:29.802 --> 00:04:29.836 line:6% align:center IT COMES TO THE LACK OF          READING THIS ACADIANS. SO I      00:04:29.836 --> 00:04:29.936 line:6% align:center IT COMES TO THE LACK OF          READING THIS ACADIANS. SO IF     00:04:29.936 --> 00:04:30.069 line:6% align:center READING THIS ACADIANS. SO IF     00:04:30.069 --> 00:04:30.103 line:6% align:center READING THIS ACADIANS. SO IF     WE                               00:04:30.103 --> 00:04:30.136 line:6% align:center READING THIS ACADIANS. SO IF     WE                               00:04:30.136 --> 00:04:30.169 line:6% align:center READING THIS ACADIANS. SO IF     WE LO                            00:04:30.169 --> 00:04:30.203 line:6% align:center READING THIS ACADIANS. SO IF     WE LOOK                          00:04:30.203 --> 00:04:30.236 line:6% align:center READING THIS ACADIANS. SO IF     WE LOOK                          00:04:30.236 --> 00:04:30.270 line:6% align:center READING THIS ACADIANS. SO IF     WE LOOK OV                       00:04:30.270 --> 00:04:30.303 line:6% align:center READING THIS ACADIANS. SO IF     WE LOOK OVER                     00:04:30.303 --> 00:04:30.336 line:6% align:center READING THIS ACADIANS. SO IF     WE LOOK OVER T                   00:04:30.336 --> 00:04:30.370 line:6% align:center READING THIS ACADIANS. SO IF     WE LOOK OVER THE                 00:04:30.370 --> 00:04:30.403 line:6% align:center READING THIS ACADIANS. SO IF     WE LOOK OVER THE P               00:04:30.403 --> 00:04:30.436 line:6% align:center READING THIS ACADIANS. SO IF     WE LOOK OVER THE PAS             00:04:30.436 --> 00:04:31.804 line:6% align:center READING THIS ACADIANS. SO IF     WE LOOK OVER THE PAST            00:04:31.804 --> 00:04:31.838 line:6% align:center READING THIS ACADIANS. SO IF     WE LOOK OVER THE PAST 20         00:04:31.838 --> 00:04:31.938 line:6% align:center READING THIS ACADIANS. SO IF     WE LOOK OVER THE PAST 20         00:04:31.938 --> 00:04:32.071 line:6% align:center WE LOOK OVER THE PAST 20         00:04:32.071 --> 00:04:32.105 line:6% align:center WE LOOK OVER THE PAST 20         YE                               00:04:32.105 --> 00:04:32.138 line:6% align:center WE LOOK OVER THE PAST 20         YEAR                             00:04:32.138 --> 00:04:32.171 line:6% align:center WE LOOK OVER THE PAST 20         YEARS,                           00:04:32.171 --> 00:04:32.839 line:6% align:center WE LOOK OVER THE PAST 20         YEARS,                           00:04:32.839 --> 00:04:32.872 line:6% align:center WE LOOK OVER THE PAST 20         YEARS, IF                        00:04:32.872 --> 00:04:32.905 line:6% align:center WE LOOK OVER THE PAST 20         YEARS, IF Y                      00:04:32.905 --> 00:04:32.939 line:6% align:center WE LOOK OVER THE PAST 20         YEARS, IF YOU                    00:04:32.939 --> 00:04:33.840 line:6% align:center WE LOOK OVER THE PAST 20         YEARS, IF YOU                    00:04:33.840 --> 00:04:33.873 line:6% align:center WE LOOK OVER THE PAST 20         YEARS, IF YOU LO                 00:04:33.873 --> 00:04:33.906 line:6% align:center WE LOOK OVER THE PAST 20         YEARS, IF YOU LOOK               00:04:33.906 --> 00:04:33.940 line:6% align:center WE LOOK OVER THE PAST 20         YEARS, IF YOU LOOK A             00:04:33.940 --> 00:04:35.842 line:6% align:center WE LOOK OVER THE PAST 20         YEARS, IF YOU LOOK AT            00:04:35.842 --> 00:04:35.875 line:6% align:center WE LOOK OVER THE PAST 20         YEARS, IF YOU LOOK AT FO         00:04:35.875 --> 00:04:35.908 line:6% align:center WE LOOK OVER THE PAST 20         YEARS, IF YOU LOOK AT FOR        00:04:35.908 --> 00:04:35.942 line:6% align:center WE LOOK OVER THE PAST 20         YEARS, IF YOU LOOK AT FOR TH     00:04:35.942 --> 00:04:36.042 line:6% align:center WE LOOK OVER THE PAST 20         YEARS, IF YOU LOOK AT FOR THE    00:04:36.042 --> 00:04:36.175 line:6% align:center YEARS, IF YOU LOOK AT FOR THE    00:04:36.175 --> 00:04:36.209 line:6% align:center YEARS, IF YOU LOOK AT FOR THE    PR                               00:04:36.209 --> 00:04:36.242 line:6% align:center YEARS, IF YOU LOOK AT FOR THE    PRIV                             00:04:36.242 --> 00:04:36.276 line:6% align:center YEARS, IF YOU LOOK AT FOR THE    PRIVAT                           00:04:36.276 --> 00:04:36.309 line:6% align:center YEARS, IF YOU LOOK AT FOR THE    PRIVATE                          00:04:36.309 --> 00:04:36.342 line:6% align:center YEARS, IF YOU LOOK AT FOR THE    PRIVATE SE                       00:04:36.342 --> 00:04:36.376 line:6% align:center YEARS, IF YOU LOOK AT FOR THE    PRIVATE SECT                     00:04:36.376 --> 00:04:36.409 line:6% align:center YEARS, IF YOU LOOK AT FOR THE    PRIVATE SECTOR                   00:04:36.409 --> 00:04:36.876 line:6% align:center YEARS, IF YOU LOOK AT FOR THE    PRIVATE SECTOR,                  00:04:36.876 --> 00:04:36.909 line:6% align:center YEARS, IF YOU LOOK AT FOR THE    PRIVATE SECTOR, PE               00:04:36.909 --> 00:04:36.943 line:6% align:center YEARS, IF YOU LOOK AT FOR THE    PRIVATE SECTOR, PENS             00:04:36.943 --> 00:04:36.976 line:6% align:center YEARS, IF YOU LOOK AT FOR THE    PRIVATE SECTOR, PENSIO           00:04:36.976 --> 00:04:37.076 line:6% align:center YEARS, IF YOU LOOK AT FOR THE    PRIVATE SECTOR, PENSION          00:04:37.076 --> 00:04:37.210 line:6% align:center PRIVATE SECTOR, PENSION          00:04:37.210 --> 00:04:37.243 line:6% align:center PRIVATE SECTOR, PENSION          PA                               00:04:37.243 --> 00:04:37.277 line:6% align:center PRIVATE SECTOR, PENSION          PART                             00:04:37.277 --> 00:04:37.310 line:6% align:center PRIVATE SECTOR, PENSION          PARTIC                           00:04:37.310 --> 00:04:37.343 line:6% align:center PRIVATE SECTOR, PENSION          PARTICIP                         00:04:37.343 --> 00:04:37.377 line:6% align:center PRIVATE SECTOR, PENSION          PARTICIPAT                       00:04:37.377 --> 00:04:37.410 line:6% align:center PRIVATE SECTOR, PENSION          PARTICIPATIO                     00:04:37.410 --> 00:04:37.443 line:6% align:center PRIVATE SECTOR, PENSION          PARTICIPATION                    00:04:37.443 --> 00:04:37.477 line:6% align:center PRIVATE SECTOR, PENSION          PARTICIPATION RA                 00:04:37.477 --> 00:04:37.510 line:6% align:center PRIVATE SECTOR, PENSION          PARTICIPATION RATE               00:04:37.510 --> 00:04:37.543 line:6% align:center PRIVATE SECTOR, PENSION          PARTICIPATION RATE               00:04:37.543 --> 00:04:37.577 line:6% align:center PRIVATE SECTOR, PENSION          PARTICIPATION RATE AC            00:04:37.577 --> 00:04:37.610 line:6% align:center PRIVATE SECTOR, PENSION          PARTICIPATION RATE ACTU          00:04:37.610 --> 00:04:37.644 line:6% align:center PRIVATE SECTOR, PENSION          PARTICIPATION RATE ACTUAL        00:04:37.644 --> 00:04:37.677 line:6% align:center PRIVATE SECTOR, PENSION          PARTICIPATION RATE ACTUALLY      00:04:37.677 --> 00:04:37.877 line:6% align:center PRIVATE SECTOR, PENSION          PARTICIPATION RATE ACTUALLY      00:04:37.877 --> 00:04:38.011 line:6% align:center PARTICIPATION RATE ACTUALLY      00:04:38.011 --> 00:04:38.044 line:6% align:center PARTICIPATION RATE ACTUALLY      DE                               00:04:38.044 --> 00:04:38.077 line:6% align:center PARTICIPATION RATE ACTUALLY      DECR                             00:04:38.077 --> 00:04:38.111 line:6% align:center PARTICIPATION RATE ACTUALLY      DECREA                           00:04:38.111 --> 00:04:38.144 line:6% align:center PARTICIPATION RATE ACTUALLY      DECREASE                         00:04:38.144 --> 00:04:38.745 line:6% align:center PARTICIPATION RATE ACTUALLY      DECREASED                        00:04:38.745 --> 00:04:38.778 line:6% align:center PARTICIPATION RATE ACTUALLY      DECREASED OV                     00:04:38.778 --> 00:04:38.811 line:6% align:center PARTICIPATION RATE ACTUALLY      DECREASED OVER                   00:04:38.811 --> 00:04:38.845 line:6% align:center PARTICIPATION RATE ACTUALLY      DECREASED OVER A                 00:04:38.845 --> 00:04:38.878 line:6% align:center PARTICIPATION RATE ACTUALLY      DECREASED OVER AS                00:04:38.878 --> 00:04:38.911 line:6% align:center PARTICIPATION RATE ACTUALLY      DECREASED OVER AS 10             00:04:38.911 --> 00:04:38.945 line:6% align:center PARTICIPATION RATE ACTUALLY      DECREASED OVER AS 10 Y           00:04:38.945 --> 00:04:38.978 line:6% align:center PARTICIPATION RATE ACTUALLY      DECREASED OVER AS 10 YEA         00:04:38.978 --> 00:04:39.012 line:6% align:center PARTICIPATION RATE ACTUALLY      DECREASED OVER AS 10 YEARS       00:04:39.012 --> 00:04:39.112 line:6% align:center PARTICIPATION RATE ACTUALLY      DECREASED OVER AS 10 YEARS.      00:04:39.112 --> 00:04:39.245 line:6% align:center DECREASED OVER AS 10 YEARS.      00:04:39.245 --> 00:04:39.279 line:6% align:center DECREASED OVER AS 10 YEARS.      AL                               00:04:39.279 --> 00:04:39.312 line:6% align:center DECREASED OVER AS 10 YEARS.      ALL                              00:04:39.312 --> 00:04:39.345 line:6% align:center DECREASED OVER AS 10 YEARS.      ALL TH                           00:04:39.345 --> 00:04:39.379 line:6% align:center DECREASED OVER AS 10 YEARS.      ALL THE                          00:04:39.379 --> 00:04:39.412 line:6% align:center DECREASED OVER AS 10 YEARS.      ALL THE EF                       00:04:39.412 --> 00:04:39.445 line:6% align:center DECREASED OVER AS 10 YEARS.      ALL THE EFFO                     00:04:39.445 --> 00:04:39.479 line:6% align:center DECREASED OVER AS 10 YEARS.      ALL THE EFFORT                   00:04:39.479 --> 00:04:39.512 line:6% align:center DECREASED OVER AS 10 YEARS.      ALL THE EFFORTS,                 00:04:39.512 --> 00:04:39.545 line:6% align:center DECREASED OVER AS 10 YEARS.      ALL THE EFFORTS, W               00:04:39.545 --> 00:04:39.579 line:6% align:center DECREASED OVER AS 10 YEARS.      ALL THE EFFORTS, WE              00:04:39.579 --> 00:04:39.612 line:6% align:center DECREASED OVER AS 10 YEARS.      ALL THE EFFORTS, WE PU           00:04:39.612 --> 00:04:40.513 line:6% align:center DECREASED OVER AS 10 YEARS.      ALL THE EFFORTS, WE PUT          00:04:40.513 --> 00:04:40.647 line:6% align:center ALL THE EFFORTS, WE PUT          00:04:40.647 --> 00:04:40.680 line:6% align:center ALL THE EFFORTS, WE PUT          IN                               00:04:40.680 --> 00:04:40.713 line:6% align:center ALL THE EFFORTS, WE PUT          INCR                             00:04:40.713 --> 00:04:40.747 line:6% align:center ALL THE EFFORTS, WE PUT          INCREA                           00:04:40.747 --> 00:04:40.780 line:6% align:center ALL THE EFFORTS, WE PUT          INCREASI                         00:04:40.780 --> 00:04:40.813 line:6% align:center ALL THE EFFORTS, WE PUT          INCREASING                       00:04:40.813 --> 00:04:40.847 line:6% align:center ALL THE EFFORTS, WE PUT          INCREASING A                     00:04:40.847 --> 00:04:40.880 line:6% align:center ALL THE EFFORTS, WE PUT          INCREASING AWA                   00:04:40.880 --> 00:04:40.913 line:6% align:center ALL THE EFFORTS, WE PUT          INCREASING AWARE                 00:04:40.913 --> 00:04:40.947 line:6% align:center ALL THE EFFORTS, WE PUT          INCREASING AWARENE               00:04:40.947 --> 00:04:40.980 line:6% align:center ALL THE EFFORTS, WE PUT          INCREASING AWARENESS             00:04:40.980 --> 00:04:41.014 line:6% align:center ALL THE EFFORTS, WE PUT          INCREASING AWARENESS.            00:04:41.014 --> 00:04:41.047 line:6% align:center ALL THE EFFORTS, WE PUT          INCREASING AWARENESS. AN         00:04:41.047 --> 00:04:41.614 line:6% align:center ALL THE EFFORTS, WE PUT          INCREASING AWARENESS. AND        00:04:41.614 --> 00:04:41.714 line:6% align:center ALL THE EFFORTS, WE PUT          INCREASING AWARENESS. AND I      00:04:41.714 --> 00:04:41.848 line:6% align:center INCREASING AWARENESS. AND I      00:04:41.848 --> 00:04:41.881 line:6% align:center INCREASING AWARENESS. AND I      TH                               00:04:41.881 --> 00:04:41.914 line:6% align:center INCREASING AWARENESS. AND I      THIN                             00:04:41.914 --> 00:04:41.948 line:6% align:center INCREASING AWARENESS. AND I      THINK                            00:04:41.948 --> 00:04:41.981 line:6% align:center INCREASING AWARENESS. AND I      THINK TH                         00:04:41.981 --> 00:04:42.582 line:6% align:center INCREASING AWARENESS. AND I      THINK THE                        00:04:42.582 --> 00:04:42.615 line:6% align:center INCREASING AWARENESS. AND I      THINK THE BE                     00:04:42.615 --> 00:04:42.649 line:6% align:center INCREASING AWARENESS. AND I      THINK THE BEST                   00:04:42.649 --> 00:04:42.682 line:6% align:center INCREASING AWARENESS. AND I      THINK THE BEST S                 00:04:42.682 --> 00:04:42.715 line:6% align:center INCREASING AWARENESS. AND I      THINK THE BEST SOL               00:04:42.715 --> 00:04:42.749 line:6% align:center INCREASING AWARENESS. AND I      THINK THE BEST SOLUT             00:04:42.749 --> 00:04:42.782 line:6% align:center INCREASING AWARENESS. AND I      THINK THE BEST SOLUTIO           00:04:42.782 --> 00:04:42.815 line:6% align:center INCREASING AWARENESS. AND I      THINK THE BEST SOLUTION          00:04:42.815 --> 00:04:42.849 line:6% align:center INCREASING AWARENESS. AND I      THINK THE BEST SOLUTION TO       00:04:42.849 --> 00:04:42.882 line:6% align:center INCREASING AWARENESS. AND I      THINK THE BEST SOLUTION TO B     00:04:42.882 --> 00:04:42.982 line:6% align:center INCREASING AWARENESS. AND I      THINK THE BEST SOLUTION TO BE    00:04:42.982 --> 00:04:43.116 line:6% align:center THINK THE BEST SOLUTION TO BE    00:04:43.116 --> 00:04:43.149 line:6% align:center THINK THE BEST SOLUTION TO BE    AB                               00:04:43.149 --> 00:04:43.182 line:6% align:center THINK THE BEST SOLUTION TO BE    ABLE                             00:04:43.182 --> 00:04:43.216 line:6% align:center THINK THE BEST SOLUTION TO BE    ABLE                             00:04:43.216 --> 00:04:43.249 line:6% align:center THINK THE BEST SOLUTION TO BE    ABLE TO                          00:04:43.249 --> 00:04:43.283 line:6% align:center THINK THE BEST SOLUTION TO BE    ABLE TO                          00:04:43.283 --> 00:04:43.316 line:6% align:center THINK THE BEST SOLUTION TO BE    ABLE TO SU                       00:04:43.316 --> 00:04:43.349 line:6% align:center THINK THE BEST SOLUTION TO BE    ABLE TO SUPP                     00:04:43.349 --> 00:04:43.383 line:6% align:center THINK THE BEST SOLUTION TO BE    ABLE TO SUPPOR                   00:04:43.383 --> 00:04:43.416 line:6% align:center THINK THE BEST SOLUTION TO BE    ABLE TO SUPPORT                  00:04:43.416 --> 00:04:43.449 line:6% align:center THINK THE BEST SOLUTION TO BE    ABLE TO SUPPORT IN               00:04:43.449 --> 00:04:43.483 line:6% align:center THINK THE BEST SOLUTION TO BE    ABLE TO SUPPORT INS              00:04:43.483 --> 00:04:43.516 line:6% align:center THINK THE BEST SOLUTION TO BE    ABLE TO SUPPORT INS AN           00:04:43.516 --> 00:04:43.549 line:6% align:center THINK THE BEST SOLUTION TO BE    ABLE TO SUPPORT INS AND          00:04:43.549 --> 00:04:43.583 line:6% align:center THINK THE BEST SOLUTION TO BE    ABLE TO SUPPORT INS AND MA       00:04:43.583 --> 00:04:43.616 line:6% align:center THINK THE BEST SOLUTION TO BE    ABLE TO SUPPORT INS AND MAKI     00:04:43.616 --> 00:04:43.650 line:6% align:center THINK THE BEST SOLUTION TO BE    ABLE TO SUPPORT INS AND MAKING   00:04:43.650 --> 00:04:44.584 line:6% align:center THINK THE BEST SOLUTION TO BE    ABLE TO SUPPORT INS AND MAKING   00:04:44.584 --> 00:04:44.717 line:6% align:center ABLE TO SUPPORT INS AND MAKING   00:04:44.717 --> 00:04:44.751 line:6% align:center ABLE TO SUPPORT INS AND MAKING   RI                               00:04:44.751 --> 00:04:44.784 line:6% align:center ABLE TO SUPPORT INS AND MAKING   RIGH                             00:04:44.784 --> 00:04:44.817 line:6% align:center ABLE TO SUPPORT INS AND MAKING   RIGHT                            00:04:44.817 --> 00:04:44.851 line:6% align:center ABLE TO SUPPORT INS AND MAKING   RIGHT CH                         00:04:44.851 --> 00:04:44.884 line:6% align:center ABLE TO SUPPORT INS AND MAKING   RIGHT CHOI                       00:04:44.884 --> 00:04:44.917 line:6% align:center ABLE TO SUPPORT INS AND MAKING   RIGHT CHOICE                     00:04:44.917 --> 00:04:45.752 line:6% align:center ABLE TO SUPPORT INS AND MAKING   RIGHT CHOICES                    00:04:45.752 --> 00:04:45.785 line:6% align:center ABLE TO SUPPORT INS AND MAKING   RIGHT CHOICES IS                 00:04:45.785 --> 00:04:46.586 line:6% align:center ABLE TO SUPPORT INS AND MAKING   RIGHT CHOICES IS                 00:04:46.586 --> 00:04:46.619 line:6% align:center ABLE TO SUPPORT INS AND MAKING   RIGHT CHOICES IS BR              00:04:46.619 --> 00:04:46.653 line:6% align:center ABLE TO SUPPORT INS AND MAKING   RIGHT CHOICES IS BRIN            00:04:46.653 --> 00:04:46.686 line:6% align:center ABLE TO SUPPORT INS AND MAKING   RIGHT CHOICES IS BRINGI          00:04:46.686 --> 00:04:46.719 line:6% align:center ABLE TO SUPPORT INS AND MAKING   RIGHT CHOICES IS BRINGING        00:04:46.719 --> 00:04:47.620 line:6% align:center ABLE TO SUPPORT INS AND MAKING   RIGHT CHOICES IS BRINGING        00:04:47.620 --> 00:04:47.654 line:6% align:center ABLE TO SUPPORT INS AND MAKING   RIGHT CHOICES IS BRINGING MO     00:04:47.654 --> 00:04:47.687 line:6% align:center ABLE TO SUPPORT INS AND MAKING   RIGHT CHOICES IS BRINGING MORE   00:04:47.687 --> 00:04:47.787 line:6% align:center ABLE TO SUPPORT INS AND MAKING   RIGHT CHOICES IS BRINGING MORE   00:04:47.787 --> 00:04:47.920 line:6% align:center RIGHT CHOICES IS BRINGING MORE   00:04:47.920 --> 00:04:47.954 line:6% align:center RIGHT CHOICES IS BRINGING MORE   CO                               00:04:47.954 --> 00:04:47.987 line:6% align:center RIGHT CHOICES IS BRINGING MORE   CONT                             00:04:47.987 --> 00:04:48.021 line:6% align:center RIGHT CHOICES IS BRINGING MORE   CONTAC                           00:04:48.021 --> 00:04:48.054 line:6% align:center RIGHT CHOICES IS BRINGING MORE   CONTACTS                         00:04:48.054 --> 00:04:48.087 line:6% align:center RIGHT CHOICES IS BRINGING MORE   CONTACTS T                       00:04:48.087 --> 00:04:49.622 line:6% align:center RIGHT CHOICES IS BRINGING MORE   CONTACTS TO                      00:04:49.622 --> 00:04:49.656 line:6% align:center RIGHT CHOICES IS BRINGING MORE   CONTACTS TO TH                   00:04:49.656 --> 00:04:49.689 line:6% align:center RIGHT CHOICES IS BRINGING MORE   CONTACTS TO THOS                 00:04:49.689 --> 00:04:49.722 line:6% align:center RIGHT CHOICES IS BRINGING MORE   CONTACTS TO THOSE                00:04:49.722 --> 00:04:49.756 line:6% align:center RIGHT CHOICES IS BRINGING MORE   CONTACTS TO THOSE DI             00:04:49.756 --> 00:04:49.789 line:6% align:center RIGHT CHOICES IS BRINGING MORE   CONTACTS TO THOSE DIAL           00:04:49.789 --> 00:04:49.822 line:6% align:center RIGHT CHOICES IS BRINGING MORE   CONTACTS TO THOSE DIALOG         00:04:49.822 --> 00:04:49.856 line:6% align:center RIGHT CHOICES IS BRINGING MORE   CONTACTS TO THOSE DIALOGUE       00:04:49.856 --> 00:04:49.889 line:6% align:center RIGHT CHOICES IS BRINGING MORE   CONTACTS TO THOSE DIALOGUE N     00:04:49.889 --> 00:04:49.922 line:6% align:center RIGHT CHOICES IS BRINGING MORE   CONTACTS TO THOSE DIALOGUE NOT   00:04:49.922 --> 00:04:50.023 line:6% align:center RIGHT CHOICES IS BRINGING MORE   CONTACTS TO THOSE DIALOGUE NOT   00:04:50.023 --> 00:04:50.156 line:6% align:center CONTACTS TO THOSE DIALOGUE NOT   00:04:50.156 --> 00:04:50.189 line:6% align:center CONTACTS TO THOSE DIALOGUE NOT   AB                               00:04:50.189 --> 00:04:50.223 line:6% align:center CONTACTS TO THOSE DIALOGUE NOT   ABOU                             00:04:50.223 --> 00:04:50.256 line:6% align:center CONTACTS TO THOSE DIALOGUE NOT   ABOUT                            00:04:50.256 --> 00:04:50.290 line:6% align:center CONTACTS TO THOSE DIALOGUE NOT   ABOUT IS                         00:04:50.290 --> 00:04:50.323 line:6% align:center CONTACTS TO THOSE DIALOGUE NOT   ABOUT IS I                       00:04:50.323 --> 00:04:50.356 line:6% align:center CONTACTS TO THOSE DIALOGUE NOT   ABOUT IS IT                      00:04:50.356 --> 00:04:50.390 line:6% align:center CONTACTS TO THOSE DIALOGUE NOT   ABOUT IS IT 2%                   00:04:50.390 --> 00:04:50.423 line:6% align:center CONTACTS TO THOSE DIALOGUE NOT   ABOUT IS IT 2% O                 00:04:50.423 --> 00:04:50.690 line:6% align:center CONTACTS TO THOSE DIALOGUE NOT   ABOUT IS IT 2% OR                00:04:50.690 --> 00:04:50.723 line:6% align:center CONTACTS TO THOSE DIALOGUE NOT   ABOUT IS IT 2% OR 3%             00:04:50.723 --> 00:04:50.757 line:6% align:center CONTACTS TO THOSE DIALOGUE NOT   ABOUT IS IT 2% OR 3% O           00:04:50.757 --> 00:04:51.591 line:6% align:center CONTACTS TO THOSE DIALOGUE NOT   ABOUT IS IT 2% OR 3% OR          00:04:51.591 --> 00:04:51.624 line:6% align:center CONTACTS TO THOSE DIALOGUE NOT   ABOUT IS IT 2% OR 3% OR 4%       00:04:51.624 --> 00:04:51.658 line:6% align:center CONTACTS TO THOSE DIALOGUE NOT   ABOUT IS IT 2% OR 3% OR 4% O     00:04:51.658 --> 00:04:51.758 line:6% align:center CONTACTS TO THOSE DIALOGUE NOT   ABOUT IS IT 2% OR 3% OR 4% OF    00:04:51.758 --> 00:04:51.891 line:6% align:center ABOUT IS IT 2% OR 3% OR 4% OF    00:04:51.891 --> 00:04:51.924 line:6% align:center ABOUT IS IT 2% OR 3% OR 4% OF    MY                               00:04:51.924 --> 00:04:52.558 line:6% align:center ABOUT IS IT 2% OR 3% OR 4% OF    MY                               00:04:52.558 --> 00:04:52.592 line:6% align:center ABOUT IS IT 2% OR 3% OR 4% OF    MY PA                            00:04:52.592 --> 00:04:52.625 line:6% align:center ABOUT IS IT 2% OR 3% OR 4% OF    MY PAYC                          00:04:52.625 --> 00:04:52.659 line:6% align:center ABOUT IS IT 2% OR 3% OR 4% OF    MY PAYCHE                        00:04:52.659 --> 00:04:52.692 line:6% align:center ABOUT IS IT 2% OR 3% OR 4% OF    MY PAYCHEQU                      00:04:52.692 --> 00:04:52.725 line:6% align:center ABOUT IS IT 2% OR 3% OR 4% OF    MY PAYCHEQUE.                    00:04:52.725 --> 00:04:52.759 line:6% align:center ABOUT IS IT 2% OR 3% OR 4% OF    MY PAYCHEQUE. I                  00:04:52.759 --> 00:04:52.792 line:6% align:center ABOUT IS IT 2% OR 3% OR 4% OF    MY PAYCHEQUE. IT                 00:04:52.792 --> 00:04:52.825 line:6% align:center ABOUT IS IT 2% OR 3% OR 4% OF    MY PAYCHEQUE. IT SH              00:04:52.825 --> 00:04:52.859 line:6% align:center ABOUT IS IT 2% OR 3% OR 4% OF    MY PAYCHEQUE. IT SHOU            00:04:52.859 --> 00:04:52.892 line:6% align:center ABOUT IS IT 2% OR 3% OR 4% OF    MY PAYCHEQUE. IT SHOULD          00:04:52.892 --> 00:04:52.925 line:6% align:center ABOUT IS IT 2% OR 3% OR 4% OF    MY PAYCHEQUE. IT SHOULD B        00:04:52.925 --> 00:04:53.726 line:6% align:center ABOUT IS IT 2% OR 3% OR 4% OF    MY PAYCHEQUE. IT SHOULD BE       00:04:53.726 --> 00:04:53.860 line:6% align:center MY PAYCHEQUE. IT SHOULD BE       00:04:53.860 --> 00:04:53.893 line:6% align:center MY PAYCHEQUE. IT SHOULD BE       AB                               00:04:53.893 --> 00:04:53.926 line:6% align:center MY PAYCHEQUE. IT SHOULD BE       ABOU                             00:04:53.926 --> 00:04:53.960 line:6% align:center MY PAYCHEQUE. IT SHOULD BE       ABOUT                            00:04:53.960 --> 00:04:53.993 line:6% align:center MY PAYCHEQUE. IT SHOULD BE       ABOUT WH                         00:04:53.993 --> 00:04:54.027 line:6% align:center MY PAYCHEQUE. IT SHOULD BE       ABOUT WHAT                       00:04:54.027 --> 00:04:54.060 line:6% align:center MY PAYCHEQUE. IT SHOULD BE       ABOUT WHAT I                     00:04:54.060 --> 00:04:54.093 line:6% align:center MY PAYCHEQUE. IT SHOULD BE       ABOUT WHAT IS                    00:04:54.093 --> 00:04:54.127 line:6% align:center MY PAYCHEQUE. IT SHOULD BE       ABOUT WHAT IS TH                 00:04:54.127 --> 00:04:54.160 line:6% align:center MY PAYCHEQUE. IT SHOULD BE       ABOUT WHAT IS THE                00:04:54.160 --> 00:04:54.193 line:6% align:center MY PAYCHEQUE. IT SHOULD BE       ABOUT WHAT IS THE BU             00:04:54.193 --> 00:04:54.227 line:6% align:center MY PAYCHEQUE. IT SHOULD BE       ABOUT WHAT IS THE BUDG           00:04:54.227 --> 00:04:54.260 line:6% align:center MY PAYCHEQUE. IT SHOULD BE       ABOUT WHAT IS THE BUDGET         00:04:54.260 --> 00:04:54.627 line:6% align:center MY PAYCHEQUE. IT SHOULD BE       ABOUT WHAT IS THE BUDGET         00:04:54.627 --> 00:04:54.661 line:6% align:center MY PAYCHEQUE. IT SHOULD BE       ABOUT WHAT IS THE BUDGET TH      00:04:54.661 --> 00:04:54.694 line:6% align:center MY PAYCHEQUE. IT SHOULD BE       ABOUT WHAT IS THE BUDGET THAT    00:04:54.694 --> 00:04:54.794 line:6% align:center MY PAYCHEQUE. IT SHOULD BE       ABOUT WHAT IS THE BUDGET THAT    00:04:54.794 --> 00:04:54.927 line:6% align:center ABOUT WHAT IS THE BUDGET THAT    00:04:54.927 --> 00:04:54.961 line:6% align:center ABOUT WHAT IS THE BUDGET THAT    I                                00:04:54.961 --> 00:04:54.994 line:6% align:center ABOUT WHAT IS THE BUDGET THAT    I WA                             00:04:54.994 --> 00:04:55.028 line:6% align:center ABOUT WHAT IS THE BUDGET THAT    I WANT                           00:04:55.028 --> 00:04:55.061 line:6% align:center ABOUT WHAT IS THE BUDGET THAT    I WANT T                         00:04:55.061 --> 00:04:55.428 line:6% align:center ABOUT WHAT IS THE BUDGET THAT    I WANT TO                        00:04:55.428 --> 00:04:55.461 line:6% align:center ABOUT WHAT IS THE BUDGET THAT    I WANT TO HA                     00:04:55.461 --> 00:04:55.495 line:6% align:center ABOUT WHAT IS THE BUDGET THAT    I WANT TO HAVE                   00:04:55.495 --> 00:04:55.528 line:6% align:center ABOUT WHAT IS THE BUDGET THAT    I WANT TO HAVE M                 00:04:55.528 --> 00:04:55.561 line:6% align:center ABOUT WHAT IS THE BUDGET THAT    I WANT TO HAVE MY                00:04:55.561 --> 00:04:55.595 line:6% align:center ABOUT WHAT IS THE BUDGET THAT    I WANT TO HAVE MY RE             00:04:55.595 --> 00:04:55.628 line:6% align:center ABOUT WHAT IS THE BUDGET THAT    I WANT TO HAVE MY RETI           00:04:55.628 --> 00:04:55.662 line:6% align:center ABOUT WHAT IS THE BUDGET THAT    I WANT TO HAVE MY RETIRE         00:04:55.662 --> 00:04:55.695 line:6% align:center ABOUT WHAT IS THE BUDGET THAT    I WANT TO HAVE MY RETIREME       00:04:55.695 --> 00:04:55.728 line:6% align:center ABOUT WHAT IS THE BUDGET THAT    I WANT TO HAVE MY RETIREMENT     00:04:55.728 --> 00:04:55.828 line:6% align:center ABOUT WHAT IS THE BUDGET THAT    I WANT TO HAVE MY RETIREMENT.    00:04:55.828 --> 00:04:55.962 line:6% align:center I WANT TO HAVE MY RETIREMENT.    00:04:55.962 --> 00:04:55.995 line:6% align:center I WANT TO HAVE MY RETIREMENT.    TH                               00:04:55.995 --> 00:04:56.029 line:6% align:center I WANT TO HAVE MY RETIREMENT.    THER                             00:04:56.029 --> 00:04:56.062 line:6% align:center I WANT TO HAVE MY RETIREMENT.    THEREF                           00:04:56.062 --> 00:04:56.095 line:6% align:center I WANT TO HAVE MY RETIREMENT.    THEREFOR                         00:04:56.095 --> 00:04:56.129 line:6% align:center I WANT TO HAVE MY RETIREMENT.    THEREFORE,                       00:04:56.129 --> 00:04:56.162 line:6% align:center I WANT TO HAVE MY RETIREMENT.    THEREFORE, H                     00:04:56.162 --> 00:04:56.195 line:6% align:center I WANT TO HAVE MY RETIREMENT.    THEREFORE, HOW                   00:04:56.195 --> 00:04:56.229 line:6% align:center I WANT TO HAVE MY RETIREMENT.    THEREFORE, HOW                   00:04:56.229 --> 00:04:56.262 line:6% align:center I WANT TO HAVE MY RETIREMENT.    THEREFORE, HOW MU                00:04:56.262 --> 00:04:56.296 line:6% align:center I WANT TO HAVE MY RETIREMENT.    THEREFORE, HOW MUCH              00:04:56.296 --> 00:04:56.329 line:6% align:center I WANT TO HAVE MY RETIREMENT.    THEREFORE, HOW MUCH N            00:04:56.329 --> 00:04:56.362 line:6% align:center I WANT TO HAVE MY RETIREMENT.    THEREFORE, HOW MUCH NEE          00:04:56.362 --> 00:04:56.396 line:6% align:center I WANT TO HAVE MY RETIREMENT.    THEREFORE, HOW MUCH NEED         00:04:56.396 --> 00:04:56.429 line:6% align:center I WANT TO HAVE MY RETIREMENT.    THEREFORE, HOW MUCH NEED TO      00:04:56.429 --> 00:04:56.529 line:6% align:center I WANT TO HAVE MY RETIREMENT.    THEREFORE, HOW MUCH NEED TO      00:04:56.529 --> 00:04:56.663 line:6% align:center THEREFORE, HOW MUCH NEED TO      00:04:56.663 --> 00:04:56.696 line:6% align:center THEREFORE, HOW MUCH NEED TO      SE                               00:04:56.696 --> 00:04:56.729 line:6% align:center THEREFORE, HOW MUCH NEED TO      SET                              00:04:56.729 --> 00:04:56.763 line:6% align:center THEREFORE, HOW MUCH NEED TO      SET AS                           00:04:56.763 --> 00:04:56.796 line:6% align:center THEREFORE, HOW MUCH NEED TO      SET ASID                         00:04:56.796 --> 00:04:57.463 line:6% align:center THEREFORE, HOW MUCH NEED TO      SET ASIDE                        00:04:57.463 --> 00:04:57.497 line:6% align:center THEREFORE, HOW MUCH NEED TO      SET ASIDE NO                     00:04:57.497 --> 00:04:57.530 line:6% align:center THEREFORE, HOW MUCH NEED TO      SET ASIDE NOW                    00:04:57.530 --> 00:04:57.563 line:6% align:center THEREFORE, HOW MUCH NEED TO      SET ASIDE NOW TO                 00:04:57.563 --> 00:04:57.597 line:6% align:center THEREFORE, HOW MUCH NEED TO      SET ASIDE NOW TOO,               00:04:57.597 --> 00:04:57.630 line:6% align:center THEREFORE, HOW MUCH NEED TO      SET ASIDE NOW TOO,               00:04:57.630 --> 00:04:57.664 line:6% align:center THEREFORE, HOW MUCH NEED TO      SET ASIDE NOW TOO, IT            00:04:57.664 --> 00:04:57.697 line:6% align:center THEREFORE, HOW MUCH NEED TO      SET ASIDE NOW TOO, IT W          00:04:57.697 --> 00:04:57.730 line:6% align:center THEREFORE, HOW MUCH NEED TO      SET ASIDE NOW TOO, IT WIL        00:04:57.730 --> 00:04:57.764 line:6% align:center THEREFORE, HOW MUCH NEED TO      SET ASIDE NOW TOO, IT WILL       00:04:57.764 --> 00:04:57.797 line:6% align:center THEREFORE, HOW MUCH NEED TO      SET ASIDE NOW TOO, IT WILL TO    00:04:57.797 --> 00:04:57.897 line:6% align:center THEREFORE, HOW MUCH NEED TO      SET ASIDE NOW TOO, IT WILL TO    00:04:57.897 --> 00:04:58.031 line:6% align:center SET ASIDE NOW TOO, IT WILL TO    00:04:58.031 --> 00:04:58.064 line:6% align:center SET ASIDE NOW TOO, IT WILL TO    MA                               00:04:58.064 --> 00:04:58.097 line:6% align:center SET ASIDE NOW TOO, IT WILL TO    MAKE                             00:04:58.097 --> 00:04:58.131 line:6% align:center SET ASIDE NOW TOO, IT WILL TO    MAKE L                           00:04:58.131 --> 00:04:58.164 line:6% align:center SET ASIDE NOW TOO, IT WILL TO    MAKE LIF                         00:04:58.164 --> 00:04:59.432 line:6% align:center SET ASIDE NOW TOO, IT WILL TO    MAKE LIFE                        00:04:59.432 --> 00:04:59.465 line:6% align:center SET ASIDE NOW TOO, IT WILL TO    MAKE LIFE A                      00:04:59.465 --> 00:04:59.499 line:6% align:center SET ASIDE NOW TOO, IT WILL TO    MAKE LIFE A RE                   00:04:59.499 --> 00:04:59.532 line:6% align:center SET ASIDE NOW TOO, IT WILL TO    MAKE LIFE A REAL                 00:04:59.532 --> 00:04:59.565 line:6% align:center SET ASIDE NOW TOO, IT WILL TO    MAKE LIFE A REALIT               00:04:59.565 --> 00:04:59.599 line:6% align:center SET ASIDE NOW TOO, IT WILL TO    MAKE LIFE A REALITY.             00:04:59.599 --> 00:05:00.400 line:6% align:center SET ASIDE NOW TOO, IT WILL TO    MAKE LIFE A REALITY.             00:05:00.400 --> 00:05:00.533 line:6% align:center MAKE LIFE A REALITY.             00:05:00.533 --> 00:05:00.566 line:6% align:center MAKE LIFE A REALITY.             >>                               00:05:00.566 --> 00:05:00.600 line:6% align:center MAKE LIFE A REALITY.             >> A                             00:05:00.600 --> 00:05:00.633 line:6% align:center MAKE LIFE A REALITY.             >> AND                           00:05:00.633 --> 00:05:00.667 line:6% align:center MAKE LIFE A REALITY.             >> AND I                         00:05:00.667 --> 00:05:00.700 line:6% align:center MAKE LIFE A REALITY.             >> AND IN                        00:05:00.700 --> 00:05:00.733 line:6% align:center MAKE LIFE A REALITY.             >> AND IN TE                     00:05:00.733 --> 00:05:00.767 line:6% align:center MAKE LIFE A REALITY.             >> AND IN TERM                   00:05:00.767 --> 00:05:01.267 line:6% align:center MAKE LIFE A REALITY.             >> AND IN TERMS                  00:05:01.267 --> 00:05:01.301 line:6% align:center MAKE LIFE A REALITY.             >> AND IN TERMS OF               00:05:01.301 --> 00:05:01.334 line:6% align:center MAKE LIFE A REALITY.             >> AND IN TERMS OF               00:05:01.334 --> 00:05:01.367 line:6% align:center MAKE LIFE A REALITY.             >> AND IN TERMS OF WH            00:05:01.367 --> 00:05:01.401 line:6% align:center MAKE LIFE A REALITY.             >> AND IN TERMS OF WHAT          00:05:01.401 --> 00:05:01.434 line:6% align:center MAKE LIFE A REALITY.             >> AND IN TERMS OF WHAT T        00:05:01.434 --> 00:05:01.467 line:6% align:center MAKE LIFE A REALITY.             >> AND IN TERMS OF WHAT THE      00:05:01.467 --> 00:05:01.567 line:6% align:center MAKE LIFE A REALITY.             >> AND IN TERMS OF WHAT THE      00:05:01.567 --> 00:05:01.701 line:6% align:center >> AND IN TERMS OF WHAT THE      00:05:01.701 --> 00:05:01.734 line:6% align:center >> AND IN TERMS OF WHAT THE      GO                               00:05:01.734 --> 00:05:01.768 line:6% align:center >> AND IN TERMS OF WHAT THE      GOVE                             00:05:01.768 --> 00:05:01.801 line:6% align:center >> AND IN TERMS OF WHAT THE      GOVERN                           00:05:01.801 --> 00:05:01.834 line:6% align:center >> AND IN TERMS OF WHAT THE      GOVERNME                         00:05:01.834 --> 00:05:01.868 line:6% align:center >> AND IN TERMS OF WHAT THE      GOVERNMENT                       00:05:01.868 --> 00:05:01.901 line:6% align:center >> AND IN TERMS OF WHAT THE      GOVERNMENT C                     00:05:01.901 --> 00:05:01.934 line:6% align:center >> AND IN TERMS OF WHAT THE      GOVERNMENT CAN                   00:05:01.934 --> 00:05:02.335 line:6% align:center >> AND IN TERMS OF WHAT THE      GOVERNMENT CAN                   00:05:02.335 --> 00:05:02.368 line:6% align:center >> AND IN TERMS OF WHAT THE      GOVERNMENT CAN DO                00:05:02.368 --> 00:05:03.336 line:6% align:center >> AND IN TERMS OF WHAT THE      GOVERNMENT CAN DO                00:05:03.336 --> 00:05:03.369 line:6% align:center >> AND IN TERMS OF WHAT THE      GOVERNMENT CAN DO ON             00:05:03.369 --> 00:05:03.403 line:6% align:center >> AND IN TERMS OF WHAT THE      GOVERNMENT CAN DO ONE,           00:05:03.403 --> 00:05:03.436 line:6% align:center >> AND IN TERMS OF WHAT THE      GOVERNMENT CAN DO ONE, W         00:05:03.436 --> 00:05:03.469 line:6% align:center >> AND IN TERMS OF WHAT THE      GOVERNMENT CAN DO ONE, WE        00:05:03.469 --> 00:05:03.503 line:6% align:center >> AND IN TERMS OF WHAT THE      GOVERNMENT CAN DO ONE, WE JU     00:05:03.503 --> 00:05:03.536 line:6% align:center >> AND IN TERMS OF WHAT THE      GOVERNMENT CAN DO ONE, WE JUST   00:05:03.536 --> 00:05:03.636 line:6% align:center >> AND IN TERMS OF WHAT THE      GOVERNMENT CAN DO ONE, WE JUST   00:05:03.636 --> 00:05:03.770 line:6% align:center GOVERNMENT CAN DO ONE, WE JUST   00:05:03.770 --> 00:05:03.803 line:6% align:center GOVERNMENT CAN DO ONE, WE JUST   HA                               00:05:03.803 --> 00:05:03.836 line:6% align:center GOVERNMENT CAN DO ONE, WE JUST   HAVE                             00:05:03.836 --> 00:05:03.870 line:6% align:center GOVERNMENT CAN DO ONE, WE JUST   HAVE A                           00:05:03.870 --> 00:05:03.903 line:6% align:center GOVERNMENT CAN DO ONE, WE JUST   HAVE A F                         00:05:03.903 --> 00:05:03.936 line:6% align:center GOVERNMENT CAN DO ONE, WE JUST   HAVE A FEW                       00:05:03.936 --> 00:05:03.970 line:6% align:center GOVERNMENT CAN DO ONE, WE JUST   HAVE A FEW S                     00:05:03.970 --> 00:05:04.003 line:6% align:center GOVERNMENT CAN DO ONE, WE JUST   HAVE A FEW SEC                   00:05:04.003 --> 00:05:04.037 line:6% align:center GOVERNMENT CAN DO ONE, WE JUST   HAVE A FEW SECON                 00:05:04.037 --> 00:05:04.070 line:6% align:center GOVERNMENT CAN DO ONE, WE JUST   HAVE A FEW SECONDS               00:05:04.070 --> 00:05:04.103 line:6% align:center GOVERNMENT CAN DO ONE, WE JUST   HAVE A FEW SECONDS               00:05:04.103 --> 00:05:04.137 line:6% align:center GOVERNMENT CAN DO ONE, WE JUST   HAVE A FEW SECONDS LE            00:05:04.137 --> 00:05:04.170 line:6% align:center GOVERNMENT CAN DO ONE, WE JUST   HAVE A FEW SECONDS LEFT          00:05:04.170 --> 00:05:04.203 line:6% align:center GOVERNMENT CAN DO ONE, WE JUST   HAVE A FEW SECONDS LEFT          00:05:04.203 --> 00:05:04.237 line:6% align:center GOVERNMENT CAN DO ONE, WE JUST   HAVE A FEW SECONDS LEFT HE       00:05:04.237 --> 00:05:04.270 line:6% align:center GOVERNMENT CAN DO ONE, WE JUST   HAVE A FEW SECONDS LEFT HERE     00:05:04.270 --> 00:05:04.370 line:6% align:center GOVERNMENT CAN DO ONE, WE JUST   HAVE A FEW SECONDS LEFT HERE.    00:05:04.370 --> 00:05:04.504 line:6% align:center HAVE A FEW SECONDS LEFT HERE.    00:05:04.504 --> 00:05:04.537 line:6% align:center HAVE A FEW SECONDS LEFT HERE.    BU                               00:05:04.537 --> 00:05:04.570 line:6% align:center HAVE A FEW SECONDS LEFT HERE.    BUT                              00:05:04.570 --> 00:05:04.604 line:6% align:center HAVE A FEW SECONDS LEFT HERE.    BUT IS                           00:05:04.604 --> 00:05:04.637 line:6% align:center HAVE A FEW SECONDS LEFT HERE.    BUT IS T                         00:05:04.637 --> 00:05:04.671 line:6% align:center HAVE A FEW SECONDS LEFT HERE.    BUT IS THE                       00:05:04.671 --> 00:05:04.704 line:6% align:center HAVE A FEW SECONDS LEFT HERE.    BUT IS THERE                     00:05:04.704 --> 00:05:04.737 line:6% align:center HAVE A FEW SECONDS LEFT HERE.    BUT IS THERE                     00:05:04.737 --> 00:05:04.771 line:6% align:center HAVE A FEW SECONDS LEFT HERE.    BUT IS THERE AN                  00:05:04.771 --> 00:05:04.804 line:6% align:center HAVE A FEW SECONDS LEFT HERE.    BUT IS THERE ANYT                00:05:04.804 --> 00:05:04.837 line:6% align:center HAVE A FEW SECONDS LEFT HERE.    BUT IS THERE ANYTHI              00:05:04.837 --> 00:05:04.871 line:6% align:center HAVE A FEW SECONDS LEFT HERE.    BUT IS THERE ANYTHING            00:05:04.871 --> 00:05:04.904 line:6% align:center HAVE A FEW SECONDS LEFT HERE.    BUT IS THERE ANYTHING T          00:05:04.904 --> 00:05:04.937 line:6% align:center HAVE A FEW SECONDS LEFT HERE.    BUT IS THERE ANYTHING THE        00:05:04.937 --> 00:05:04.971 line:6% align:center HAVE A FEW SECONDS LEFT HERE.    BUT IS THERE ANYTHING THEY       00:05:04.971 --> 00:05:05.004 line:6% align:center HAVE A FEW SECONDS LEFT HERE.    BUT IS THERE ANYTHING THEY AR    00:05:05.004 --> 00:05:05.104 line:6% align:center HAVE A FEW SECONDS LEFT HERE.    BUT IS THERE ANYTHING THEY ARE   00:05:05.104 --> 00:05:05.238 line:6% align:center BUT IS THERE ANYTHING THEY ARE   00:05:05.238 --> 00:05:05.271 line:6% align:center BUT IS THERE ANYTHING THEY ARE   CA                               00:05:05.271 --> 00:05:05.305 line:6% align:center BUT IS THERE ANYTHING THEY ARE   CALL                             00:05:05.305 --> 00:05:05.338 line:6% align:center BUT IS THERE ANYTHING THEY ARE   CALLIN                           00:05:05.338 --> 00:05:05.371 line:6% align:center BUT IS THERE ANYTHING THEY ARE   CALLING                          00:05:05.371 --> 00:05:05.405 line:6% align:center BUT IS THERE ANYTHING THEY ARE   CALLING FO                       00:05:05.405 --> 00:05:05.438 line:6% align:center BUT IS THERE ANYTHING THEY ARE   CALLING FOR                      00:05:05.438 --> 00:05:05.471 line:6% align:center BUT IS THERE ANYTHING THEY ARE   CALLING FOR ON                   00:05:05.471 --> 00:05:05.505 line:6% align:center BUT IS THERE ANYTHING THEY ARE   CALLING FOR ON T                 00:05:05.505 --> 00:05:05.538 line:6% align:center BUT IS THERE ANYTHING THEY ARE   CALLING FOR ON THA               00:05:05.538 --> 00:05:05.571 line:6% align:center BUT IS THERE ANYTHING THEY ARE   CALLING FOR ON THAT              00:05:05.571 --> 00:05:05.605 line:6% align:center BUT IS THERE ANYTHING THEY ARE   CALLING FOR ON THAT SI           00:05:05.605 --> 00:05:05.638 line:6% align:center BUT IS THERE ANYTHING THEY ARE   CALLING FOR ON THAT SIDE         00:05:05.638 --> 00:05:05.672 line:6% align:center BUT IS THERE ANYTHING THEY ARE   CALLING FOR ON THAT SIDE         00:05:05.672 --> 00:05:05.705 line:6% align:center BUT IS THERE ANYTHING THEY ARE   CALLING FOR ON THAT SIDE OF      00:05:05.705 --> 00:05:05.805 line:6% align:center BUT IS THERE ANYTHING THEY ARE   CALLING FOR ON THAT SIDE OF      00:05:05.805 --> 00:05:05.938 line:6% align:center CALLING FOR ON THAT SIDE OF      00:05:05.938 --> 00:05:05.972 line:6% align:center CALLING FOR ON THAT SIDE OF      TH                               00:05:05.972 --> 00:05:06.005 line:6% align:center CALLING FOR ON THAT SIDE OF      THIN                             00:05:06.005 --> 00:05:06.039 line:6% align:center CALLING FOR ON THAT SIDE OF      THINGS                           00:05:06.039 --> 00:05:09.208 line:6% align:center CALLING FOR ON THAT SIDE OF      THINGS?                          00:05:09.208 --> 00:05:09.342 line:6% align:center THINGS?                          00:05:09.342 --> 00:05:09.375 line:6% align:center THINGS?                          >>                               00:05:09.375 --> 00:05:09.409 line:6% align:center THINGS?                          >> A                             00:05:09.409 --> 00:05:09.442 line:6% align:center THINGS?                          >> ABS                           00:05:09.442 --> 00:05:09.475 line:6% align:center THINGS?                          >> ABSOL                         00:05:09.475 --> 00:05:09.509 line:6% align:center THINGS?                          >> ABSOLUT                       00:05:09.509 --> 00:05:09.542 line:6% align:center THINGS?                          >> ABSOLUTEL                     00:05:09.542 --> 00:05:09.575 line:6% align:center THINGS?                          >> ABSOLUTELY,                   00:05:09.575 --> 00:05:09.609 line:6% align:center THINGS?                          >> ABSOLUTELY, S                 00:05:09.609 --> 00:05:09.642 line:6% align:center THINGS?                          >> ABSOLUTELY, SO                00:05:09.642 --> 00:05:09.676 line:6% align:center THINGS?                          >> ABSOLUTELY, SO TH             00:05:09.676 --> 00:05:09.709 line:6% align:center THINGS?                          >> ABSOLUTELY, SO THER           00:05:09.709 --> 00:05:09.742 line:6% align:center THINGS?                          >> ABSOLUTELY, SO THERE'         00:05:09.742 --> 00:05:09.776 line:6% align:center THINGS?                          >> ABSOLUTELY, SO THERE'S        00:05:09.776 --> 00:05:09.809 line:6% align:center THINGS?                          >> ABSOLUTELY, SO THERE'S SO     00:05:09.809 --> 00:05:09.842 line:6% align:center THINGS?                          >> ABSOLUTELY, SO THERE'S SOME   00:05:09.842 --> 00:05:09.942 line:6% align:center THINGS?                          >> ABSOLUTELY, SO THERE'S SOME   00:05:09.942 --> 00:05:10.076 line:6% align:center >> ABSOLUTELY, SO THERE'S SOME   00:05:10.076 --> 00:05:10.109 line:6% align:center >> ABSOLUTELY, SO THERE'S SOME   SM                               00:05:10.109 --> 00:05:10.143 line:6% align:center >> ABSOLUTELY, SO THERE'S SOME   SMAL                             00:05:10.143 --> 00:05:10.176 line:6% align:center >> ABSOLUTELY, SO THERE'S SOME   SMALLE                           00:05:10.176 --> 00:05:10.310 line:6% align:center >> ABSOLUTELY, SO THERE'S SOME   SMALLER                          00:05:10.310 --> 00:05:10.343 line:6% align:center >> ABSOLUTELY, SO THERE'S SOME   SMALLER TH                       00:05:10.343 --> 00:05:10.376 line:6% align:center >> ABSOLUTELY, SO THERE'S SOME   SMALLER THIN                     00:05:10.376 --> 00:05:10.410 line:6% align:center >> ABSOLUTELY, SO THERE'S SOME   SMALLER THINGS                   00:05:10.410 --> 00:05:10.443 line:6% align:center >> ABSOLUTELY, SO THERE'S SOME   SMALLER THINGS G                 00:05:10.443 --> 00:05:10.476 line:6% align:center >> ABSOLUTELY, SO THERE'S SOME   SMALLER THINGS GOV               00:05:10.476 --> 00:05:10.510 line:6% align:center >> ABSOLUTELY, SO THERE'S SOME   SMALLER THINGS GOVER             00:05:10.510 --> 00:05:10.543 line:6% align:center >> ABSOLUTELY, SO THERE'S SOME   SMALLER THINGS GOVERNM           00:05:10.543 --> 00:05:10.576 line:6% align:center >> ABSOLUTELY, SO THERE'S SOME   SMALLER THINGS GOVERNMEN         00:05:10.576 --> 00:05:10.610 line:6% align:center >> ABSOLUTELY, SO THERE'S SOME   SMALLER THINGS GOVERNMENT        00:05:10.610 --> 00:05:10.643 line:6% align:center >> ABSOLUTELY, SO THERE'S SOME   SMALLER THINGS GOVERNMENT CA     00:05:10.643 --> 00:05:10.743 line:6% align:center >> ABSOLUTELY, SO THERE'S SOME   SMALLER THINGS GOVERNMENT CAN    00:05:10.743 --> 00:05:10.877 line:6% align:center SMALLER THINGS GOVERNMENT CAN    00:05:10.877 --> 00:05:10.910 line:6% align:center SMALLER THINGS GOVERNMENT CAN    DO                               00:05:10.910 --> 00:05:12.345 line:6% align:center SMALLER THINGS GOVERNMENT CAN    DO                               00:05:12.345 --> 00:05:12.378 line:6% align:center SMALLER THINGS GOVERNMENT CAN    DO LO                            00:05:12.378 --> 00:05:12.412 line:6% align:center SMALLER THINGS GOVERNMENT CAN    DO LOOK                          00:05:12.412 --> 00:05:12.445 line:6% align:center SMALLER THINGS GOVERNMENT CAN    DO LOOKIN                        00:05:12.445 --> 00:05:12.478 line:6% align:center SMALLER THINGS GOVERNMENT CAN    DO LOOKING                       00:05:12.478 --> 00:05:12.512 line:6% align:center SMALLER THINGS GOVERNMENT CAN    DO LOOKING AT                    00:05:12.512 --> 00:05:12.545 line:6% align:center SMALLER THINGS GOVERNMENT CAN    DO LOOKING AT T                  00:05:12.545 --> 00:05:12.578 line:6% align:center SMALLER THINGS GOVERNMENT CAN    DO LOOKING AT THI                00:05:12.578 --> 00:05:12.612 line:6% align:center SMALLER THINGS GOVERNMENT CAN    DO LOOKING AT THING              00:05:12.612 --> 00:05:12.879 line:6% align:center SMALLER THINGS GOVERNMENT CAN    DO LOOKING AT THINGS             00:05:12.879 --> 00:05:12.912 line:6% align:center SMALLER THINGS GOVERNMENT CAN    DO LOOKING AT THINGS LI          00:05:12.912 --> 00:05:12.945 line:6% align:center SMALLER THINGS GOVERNMENT CAN    DO LOOKING AT THINGS LIKE        00:05:12.945 --> 00:05:13.479 line:6% align:center SMALLER THINGS GOVERNMENT CAN    DO LOOKING AT THINGS LIKE        00:05:13.479 --> 00:05:13.513 line:6% align:center SMALLER THINGS GOVERNMENT CAN    DO LOOKING AT THINGS LIKE HO     00:05:13.513 --> 00:05:13.613 line:6% align:center SMALLER THINGS GOVERNMENT CAN    DO LOOKING AT THINGS LIKE HOW    00:05:13.613 --> 00:05:13.746 line:6% align:center DO LOOKING AT THINGS LIKE HOW    00:05:13.746 --> 00:05:13.780 line:6% align:center DO LOOKING AT THINGS LIKE HOW    DO                               00:05:13.780 --> 00:05:13.813 line:6% align:center DO LOOKING AT THINGS LIKE HOW    DO                               00:05:13.813 --> 00:05:13.846 line:6% align:center DO LOOKING AT THINGS LIKE HOW    DO WE                            00:05:13.846 --> 00:05:13.880 line:6% align:center DO LOOKING AT THINGS LIKE HOW    DO WE P                          00:05:13.880 --> 00:05:13.913 line:6% align:center DO LOOKING AT THINGS LIKE HOW    DO WE PAY                        00:05:13.913 --> 00:05:13.946 line:6% align:center DO LOOKING AT THINGS LIKE HOW    DO WE PAYME                      00:05:13.946 --> 00:05:13.980 line:6% align:center DO LOOKING AT THINGS LIKE HOW    DO WE PAYMENT                    00:05:13.980 --> 00:05:14.013 line:6% align:center DO LOOKING AT THINGS LIKE HOW    DO WE PAYMENTS                   00:05:14.013 --> 00:05:14.047 line:6% align:center DO LOOKING AT THINGS LIKE HOW    DO WE PAYMENTS MY                00:05:14.047 --> 00:05:15.515 line:6% align:center DO LOOKING AT THINGS LIKE HOW    DO WE PAYMENTS MY                00:05:15.515 --> 00:05:15.548 line:6% align:center DO LOOKING AT THINGS LIKE HOW    DO WE PAYMENTS MY CA             00:05:15.548 --> 00:05:15.581 line:6% align:center DO LOOKING AT THINGS LIKE HOW    DO WE PAYMENTS MY CARE           00:05:15.581 --> 00:05:15.615 line:6% align:center DO LOOKING AT THINGS LIKE HOW    DO WE PAYMENTS MY CAREER         00:05:15.615 --> 00:05:15.648 line:6% align:center DO LOOKING AT THINGS LIKE HOW    DO WE PAYMENTS MY CAREER G       00:05:15.648 --> 00:05:15.682 line:6% align:center DO LOOKING AT THINGS LIKE HOW    DO WE PAYMENTS MY CAREER GOA     00:05:15.682 --> 00:05:15.715 line:6% align:center DO LOOKING AT THINGS LIKE HOW    DO WE PAYMENTS MY CAREER GOALS   00:05:15.715 --> 00:05:17.517 line:6% align:center DO LOOKING AT THINGS LIKE HOW    DO WE PAYMENTS MY CAREER GOALS   00:05:17.517 --> 00:05:17.650 line:6% align:center DO WE PAYMENTS MY CAREER GOALS   00:05:17.650 --> 00:05:17.684 line:6% align:center DO WE PAYMENTS MY CAREER GOALS   BE                               00:05:17.684 --> 00:05:17.717 line:6% align:center DO WE PAYMENTS MY CAREER GOALS   BECA                             00:05:17.717 --> 00:05:17.750 line:6% align:center DO WE PAYMENTS MY CAREER GOALS   BECAUS                           00:05:17.750 --> 00:05:17.784 line:6% align:center DO WE PAYMENTS MY CAREER GOALS   BECAUSE                          00:05:17.784 --> 00:05:17.817 line:6% align:center DO WE PAYMENTS MY CAREER GOALS   BECAUSE TH                       00:05:17.817 --> 00:05:17.850 line:6% align:center DO WE PAYMENTS MY CAREER GOALS   BECAUSE THOS                     00:05:17.850 --> 00:05:17.884 line:6% align:center DO WE PAYMENTS MY CAREER GOALS   BECAUSE THOSE                    00:05:17.884 --> 00:05:17.917 line:6% align:center DO WE PAYMENTS MY CAREER GOALS   BECAUSE THOSE I                  00:05:17.917 --> 00:05:17.950 line:6% align:center DO WE PAYMENTS MY CAREER GOALS   BECAUSE THOSE I TH               00:05:17.950 --> 00:05:17.984 line:6% align:center DO WE PAYMENTS MY CAREER GOALS   BECAUSE THOSE I THIN             00:05:17.984 --> 00:05:18.017 line:6% align:center DO WE PAYMENTS MY CAREER GOALS   BECAUSE THOSE I THINK            00:05:18.017 --> 00:05:18.051 line:6% align:center DO WE PAYMENTS MY CAREER GOALS   BECAUSE THOSE I THINK AR         00:05:18.051 --> 00:05:18.651 line:6% align:center DO WE PAYMENTS MY CAREER GOALS   BECAUSE THOSE I THINK ARE        00:05:18.651 --> 00:05:18.785 line:6% align:center BECAUSE THOSE I THINK ARE        00:05:18.785 --> 00:05:18.818 line:6% align:center BECAUSE THOSE I THINK ARE        RE                               00:05:18.818 --> 00:05:18.851 line:6% align:center BECAUSE THOSE I THINK ARE        REAL                             00:05:18.851 --> 00:05:18.885 line:6% align:center BECAUSE THOSE I THINK ARE        REALLY                           00:05:18.885 --> 00:05:18.918 line:6% align:center BECAUSE THOSE I THINK ARE        REALLY H                         00:05:18.918 --> 00:05:18.951 line:6% align:center BECAUSE THOSE I THINK ARE        REALLY HIG                       00:05:18.951 --> 00:05:18.985 line:6% align:center BECAUSE THOSE I THINK ARE        REALLY HIGH                      00:05:18.985 --> 00:05:19.018 line:6% align:center BECAUSE THOSE I THINK ARE        REALLY HIGH TO                   00:05:19.018 --> 00:05:19.052 line:6% align:center BECAUSE THOSE I THINK ARE        REALLY HIGH TODA                 00:05:19.052 --> 00:05:19.085 line:6% align:center BECAUSE THOSE I THINK ARE        REALLY HIGH TODAY,               00:05:19.085 --> 00:05:19.485 line:6% align:center BECAUSE THOSE I THINK ARE        REALLY HIGH TODAY,               00:05:19.485 --> 00:05:19.519 line:6% align:center BECAUSE THOSE I THINK ARE        REALLY HIGH TODAY, WH            00:05:19.519 --> 00:05:19.552 line:6% align:center BECAUSE THOSE I THINK ARE        REALLY HIGH TODAY, WHIC          00:05:19.552 --> 00:05:19.585 line:6% align:center BECAUSE THOSE I THINK ARE        REALLY HIGH TODAY, WHICH         00:05:19.585 --> 00:05:19.619 line:6% align:center BECAUSE THOSE I THINK ARE        REALLY HIGH TODAY, WHICH IS      00:05:19.619 --> 00:05:19.719 line:6% align:center BECAUSE THOSE I THINK ARE        REALLY HIGH TODAY, WHICH IS      00:05:19.719 --> 00:05:19.852 line:6% align:center REALLY HIGH TODAY, WHICH IS      00:05:19.852 --> 00:05:19.886 line:6% align:center REALLY HIGH TODAY, WHICH IS      IM                               00:05:19.886 --> 00:05:19.919 line:6% align:center REALLY HIGH TODAY, WHICH IS      IMPE                             00:05:19.919 --> 00:05:19.952 line:6% align:center REALLY HIGH TODAY, WHICH IS      IMPEDI                           00:05:19.952 --> 00:05:19.986 line:6% align:center REALLY HIGH TODAY, WHICH IS      IMPEDING                         00:05:19.986 --> 00:05:20.019 line:6% align:center REALLY HIGH TODAY, WHICH IS      IMPEDING A                       00:05:20.019 --> 00:05:20.520 line:6% align:center REALLY HIGH TODAY, WHICH IS      IMPEDING A                       00:05:20.520 --> 00:05:20.553 line:6% align:center REALLY HIGH TODAY, WHICH IS      IMPEDING A LO                    00:05:20.553 --> 00:05:20.586 line:6% align:center REALLY HIGH TODAY, WHICH IS      IMPEDING A LOT                   00:05:20.586 --> 00:05:20.620 line:6% align:center REALLY HIGH TODAY, WHICH IS      IMPEDING A LOT OF                00:05:20.620 --> 00:05:20.653 line:6% align:center REALLY HIGH TODAY, WHICH IS      IMPEDING A LOT OF T              00:05:20.653 --> 00:05:20.687 line:6% align:center REALLY HIGH TODAY, WHICH IS      IMPEDING A LOT OF TEA            00:05:20.687 --> 00:05:20.720 line:6% align:center REALLY HIGH TODAY, WHICH IS      IMPEDING A LOT OF TEARS          00:05:20.720 --> 00:05:20.753 line:6% align:center REALLY HIGH TODAY, WHICH IS      IMPEDING A LOT OF TEARS A        00:05:20.753 --> 00:05:20.787 line:6% align:center REALLY HIGH TODAY, WHICH IS      IMPEDING A LOT OF TEARS ABL      00:05:20.787 --> 00:05:20.887 line:6% align:center REALLY HIGH TODAY, WHICH IS      IMPEDING A LOT OF TEARS ABLE     00:05:20.887 --> 00:05:21.020 line:6% align:center IMPEDING A LOT OF TEARS ABLE     00:05:21.020 --> 00:05:21.054 line:6% align:center IMPEDING A LOT OF TEARS ABLE     TO                               00:05:21.054 --> 00:05:21.087 line:6% align:center IMPEDING A LOT OF TEARS ABLE     TO D                             00:05:21.087 --> 00:05:21.187 line:6% align:center IMPEDING A LOT OF TEARS ABLE     TO DO