Cortex AI 오디오¶

{"audio_duration":321.78,"text":"Good afternoon, Robert. Thanks for calling in
today. I understand you had some concerns about your portfolio you wanted to
discuss. Yes, I'm really worried. I've been watching the news and the market's
been all over the place lately. I'm thinking maybe I should just sell
everything, all my stocks and mutual funds and put it all in bonds or CDs. At
least then I could sleep at night. I can definitely understand that concern,
Robert. Market volatility can be unsettling, especially when you're seeing
those daily swings in the headlines. Before we talk about any major moves, can
you help me understand what specifically is driving this anxiety? Is it the
recent tech sector pullback or something more general? It's everything. I'm 52
years old and I keep thinking about what happened in 2008. I lost so much then
and I'm worried we're heading for another crash with this new administration. I
can't afford to lose my retirement savings. Those are absolutely valid
concerns, and I appreciate you sharing that context. That was a really
challenging time for everyone. Let me ask you this. When we last reviewed your
portfolio in March, we had you allocated at about 70% equities and 30% bonds,
correct? And your target retirement age is still 62%. That's right. But
honestly, 70% in stocks feels way too risky right now. I'm thinking more like
20% stocks, 80% bonds, maybe even less in stocks. I understand that instinct,
Robert. Let's walk through this together. First, I want to remind you of
something important. Your current portfolio is already designed with volatility
in mind. You're not in individual stocks. You're in diversified index funds and
some actively managed funds across different sectors and even international
markets. but they're still going down. My quarterly statement showed I was down
8% this quarter alone. You're absolutely right, and that's painful to see, but
let's put this in perspective. Over the past 12 months, even with this recent
volatility, your portfolio is still up about 3%. The market has given back some
gains, but we're not in crisis territory. Remember, we built your allocation
specifically because you have 10 years until retirement. That time horizon is
actually your biggest asset here. So you're saying I should just do nothing?
Not exactly nothing, but I am suggesting we don't make dramatic changes based
on short-term market movements. However, I do hear your concern about risk
tolerance. What if we made a smaller adjustment? Instead of going to 20%
stocks, what if we moved to 60% stocks and 40% bonds? That would reduce your
equity exposure by 10%, which might help you sleep better, but wouldn't take
you completely out of the growth potential you need for retirement. That
actually sounds more reasonable, but I'm still worried about losing more
money. I understand completely. Let me ask you this. What's your bigger worry,
the volatility of the next year, two or two, or having enough money to retire
comfortably at 62? Because if we get too conservative now, inflation alone
could erode your purchasing power over the next decade. I didn't really thought
about inflation that way. I guess I've been so focused on not losing money that
I forgot about the money I might not make. Exactly. And remember, Robert,
you're not alone in this. I've had this conversation with many clients over the
past few weeks. The ones who stayed disciplined during previous market
downturns are generally glad they did. What if we also set up a plan where we
review your portfolio monthly for the next few months? That way you'll have
regular check-ins and won't feel like you're just riding this out blindly.
Monthly reviews would definitely help. And maybe the 60-40 split is a good
compromise. I just, I don't want to be stupid about this. Overt, wanting to
protect your retirement isn't stupid. It's exactly what you should be thinking
about. The key is making sure we're protecting it in the right way. Staying
invested in a diversified portfolio, even with some volatility, has
historically been the best way to preserve and grow wealth over time. okay, I
think I can live with moving to 60% stocks, but if things get really bad... If
things get really bad, we'll talk again. That's what I'm here for. And
remember, we'll be reviewing this monthly anyway. You're not locked into
anything forever. But I do want to emphasize that market timing is incredibly
difficult, even for professionals. The goal isn't to avoid all volatility.
It's to stay invested long enough to benefit from the market's long-term
upward trend. All right, Sarah, let's do the rebalancing to 60-40 and I'll try
to stop checking my account balance every day. It sounds like a solid plan,
Robert. And yes, definitely limit the daily balance checking. That's a recipe
for anxiety. I'll send you some research on historical market recoveries after
our call and we'll schedule our first monthly review for next month. How does
that sound? That sounds good. Thanks for talking me through this, Sarah. I feel
a lot better than when I call. I'm so glad to hear that, Robert. Remember,
staying invested requires patience, but your future self will thank you for it.
I'll have the rebalancing done by tomorrow morning, and you should see the
changes reflected in your account by Thursday. Perfect. Thanks again, Sarah. I
thank you deeply for your patience and understanding. I'll talk to you next
month."}

{
    "audio_duration": 150.66,
    "segments": [
        {
            "end": 1.513,
            "start": 0.031,
            "text": "«Buenos"
        },
        {
            "end": 2.034,
            "start": 1.553,
            "text": "días,"
        },
        {
            "end": 2.334,
            "start": 2.054,
            "text": "doña"
        },
        {
            "end": 4.457,
            "start": 2.374,
            "text": "Esperanza."
        },
        {
            "end": 4.597,
            "start": 4.477,
            "text": "¿En"
        },
        {
            "end": 4.857,
            "start": 4.697,
            "text": "qué"
        },
        {
            "end": 5.118,
            "start": 4.917,
            "text": "puedo"
        },
        {
            "end": 5.518,
            "start": 5.178,
            "text": "ayudarla"
        },
        {
            "end": 6.5,
            "start": 5.578,
            "text": "hoy?»"
        },

        ...

        {
            "end": 146.671,
            "start": 146.551,
            "text": "Ya"
        },
        {
            "end": 147.234,
            "start": 146.732,
            "text": "veremos,"
        },
        {
            "end": 147.837,
            "start": 147.355,
            "text": "Roberto."
        },
        {
            "end": 148.581,
            "start": 148.078,
            "text": "Gracias"
        },
        {
            "end": 148.822,
            "start": 148.661,
            "text": "por"
        },
        {
            "end": 149.646,
            "start": 148.902,
            "text": "tu"
        },
        {
            "end": 150.711,
            "start": 150.249,
            "text": "ayuda."
        }
    ],
    "text": "«Buenos días, doña Esperanza. ¿En qué puedo ayudarla hoy?» «Roberto, quiero
    hacer un cambio grande en mi portafolio. Quiero vender todo y compra solo acciones
    de Tesla». «¿Tesla? Doña Esperanza, usted tiene 72 años. ¿Por qué quiere poner todo
    su dinero en una sola compañía?» «¿Por qué Tesla va a ser el futuro?» Un minuto me
    explico que van a dominar los carros eléctricos. Dice que puedo triplicar mi dinero
    en dos años. Entiendo que Tesla es una impresión innovador, pero poner todos sus
    ajuros en una sola acción es muy arriesgado. ¿Qué pasa si Tesla baja? No va a bajar.
    Elon Musk es un genio. Además, mi vecina compró Teslas. Teslas es tres años. Y Aorus
    tiene el doble de dinero. Doña Esperanza, su vecina tuvo suerte, pero las yantes
    individuales pueden ser muy volátiles. Usted necesita dinero estable para sus gastos
    de retiro. Roberto, tengo $400,000 en mi cuenta. Si te la sube como dismi, voy a
    tener más de un año. Podré dejarle más dinero a mi familia. Pero también podría
    perder la mitad de su dinero o más. Te sabía Jairo 60% antes. No puedo recomendarle
    que haga esto. Entonces no me dejas escuchando. Yo sé lo que quiero hacer con mi
    dinero. Es mi decisión. Tienes razón, es su dinero. Pero como su asesor tengo que
    decir que esto es extremamanda peligroso para alguien de su edad. Eva, no importa.
    Quiero tomar este riesgo. Vas a Edom o no. Doña Esperanza, ¿qué tal si compramos
    algo de Tesla perronoto? ¿Podríamos poner 10% en Tesla y el resto en versiones más
    seguras? No, Roberto, quiero el 100% en Tesla. Si no me ayudas, voy a alcanzar otro
    asesor. Que sí lo haga. Está bien, Doña Presanza. Voy a procesar la orden, pero voy
    a documentar que fue contra mi recomendación profesional. Perfecto. Hazlo hoy mismo.
    Quiero compra antes que suba más. Será ahora. Él considera lo que le estoy diciendo.
    Esto puede ser ver muy mal a la vida. Ya veremos, Roberto. Gracias por tu ayuda."
}

{
    "audio_duration": 208.66,
    "segments": [
        {
            "end": 3.076,
            "speaker_label": "SPEAKER_00",
            "start": 0.031,
            "text": "Good afternoon, this is Aaliyah Johnson from Secure Financial Services."
        },
        {
            "end": 4.297,
            "speaker_label": "SPEAKER_02",
            "start": 3.196,
            "text": "How can I help you today?"
        },
        {
            "end": 7.182,
            "speaker_label": "SPEAKER_02",
            "start": 5.139,
            "text": "Hola, necesito ayuda con mis inversiones."
        },
        {
            "end": 11.528,
            "speaker_label": "SPEAKER_02",
            "start": 7.482,
            "text": "Estoy muy preocupada porque he perdido mucho dinero y no sé qué hacer."
        },
        {
            "end": 14.132,
            "speaker_label": "SPEAKER_02",
            "start": 12.289,
            "text": "I'm sorry, I'm not understanding."
        },
        {
            "end": 15.795,
            "speaker_label": "SPEAKER_02",
            "start": 14.553,
            "text": "Do you speak English?"
        },
        ...
        {
            "end": 189.169,
            "speaker_label": "SPEAKER_02",
            "start": 185.841,
            "text": "Es muy difícil entender estas cosas en inglés."
        },
        {
            "end": 192.326,
            "speaker_label": "SPEAKER_01",
            "start": 190.178,
            "text": "Por supuesto, señora Ramírez."
        },
        {
            "end": 197.145,
            "speaker_label": "SPEAKER_01",
            "start": 192.788,
            "text": "Es muy importante que entienda completamente sus opciones."
        },
        {
            "end": 203.229,
            "speaker_label": "SPEAKER_01",
            "start": 197.165,
            "text": "Voy a hacer los cambios hoy mismo y la llamaré la próxima semana para ver cómo se siente."
        },
        {
            "end": 205.759,
            "speaker_label": "SPEAKER_02",
            "start": 203.891,
            "text": "Muchísimas gracias, María."
        },
        {
            "end": 208.71,
            "speaker_label": "SPEAKER_02",
            "start": 206.18,
            "text": "Me siento mucho más tranquila ahora."
        }
    ],
    "text": "Good afternoon, this is Aaliyah Johnson from Secure Financial Services.
    How can I help you today? Hola, necesito ayuda con mis inversiones. Estoy muy
    preocupada porque he perdido mucho dinero y no sé qué hacer. I'm sorry, I'm not
    understanding. Do you speak English? Un poquito, pero es muy difícil para mí. Aquí
    hay alguien que habla español, ¿ok? Es muy importante. He perdido miles de dólares.
    I'm really sorry, but I don't speak Spanish. Let me see. I think we might have
    someone who speaks Spanish, but they're not available right now. ¿Cuándo pueden
    ayudarme? Necesito hablar con a lguien hoy. Mi esposo está muy enojado y quiere que
    vendamos todo. I understand you need someone who speaks Spanish. Let me check if
    Maria is available. She's our Spanish-speaking advisor. Can you hold for just a
    moment? No entiendo. Mañana. Pero necesito ayuda ahora. ¿No hay nadie más? I am
    going to transfer you to Maria right now. She'll be able to help you with your
    investment concerns. Hola, soy María González. Entiendo que necesita ayuda con sus
    inversiones. ¿Cómo está usted? ¡Ay, qué alivio! Sí, estoy muy preocupada. He
    perdido casi 20.000 dólares en las últimas semanas y mi esposo quiere que vendamos
    todo. Comprendo perfectamente su preocupación, señora Ramírez. Perder dinero es muy
    estresante. Cuénteme un poco más sobre su situación. ¿Qué tipo de inversiones
    tiene? Tengo fondos mutuos y algunas acciones. Todo está bajando mucho. Mi esposo
    dice que es mejor tener el dinero en el banco, pero yo no estoy segura. Es natural
    sentirse nerviosa cuando el mercado está volátil. Pero antes de tomar decisiones
    importantes, vamos a revisar su situación completa. ¿Cuántos años tiene usted y
    cuándo planea retirarse? Tengo 55 años y quiero retirarme a los 65, pero con estas
    pérdidas no sé si voy a poder. Señora Ramírez, usted todavía tiene 10 años hasta el
    retiro. Eso es tiempo suficiente para que sus inversiones se recuperen. El mercado
    siempre tiene altibajos, pero históricamente se ha recuperado. ¿Pero qué pasa si no
    se recupera esta vez? No puedo perder más dinero. Entiendo su miedo. ¿Qué le parece
    si hacemos algunos ajustes para que se sienta más cómoda? Podemos mover parte de su
    dinero a inversiones más conservadoras, como bonos. Eso suena mejor. No quiero
    arriesgar todo, pero tampoco quiero perder la oportunidad de crecer mi dinero.
    Perfecto. Vamos a encontrar un equilibrio. ¿Qué tal si movemos el 40% de sus
    acciones a bonos? Así tendrá menos riesgo, pero todavía podrá crecer su dinero para
    el retiro. Sí, eso me hace sentir mucho mejor. Gracias por explicarme todo en
    español. Es muy difícil entender estas cosas en inglés. Por supuesto, señora
    Ramírez. Es muy importante que entienda completamente sus opciones. Voy a hacer los
    cambios hoy mismo y la llamaré la próxima semana para ver cómo se siente. Muchísimas
    gracias, María. Me siento mucho más tranquila ahora."
}

{
    "categories": [
        {
            "name": "overall",
            "sentiment": "negative"
        },
        {
            "name": "Market Conditions",
            "sentiment": "negative"
        },
        {
            "name": "Professionalism",
            "sentiment": "negative"
        },
        {
            "name": "Resolution",
            "sentiment": "negative"
        },
        {
            "name": "Wait Time",
            "sentiment": "unknown"
        }
    ]
}

"The agent needs significant improvement in empathy, active listening, and client-centered communication. Instead of
dismissing concerns and using condescending language, they should validate emotions, explain market conditions
professionally, present multiple options, and guide clients through informed decision-making while respecting their
risk tolerance and personal circumstances."

{
"audio_duration": 5423.744,
"text": "Welcome to the New York Times Popcast, your deepest duende of music news and criticism. I'm John Caramonica, and I'm the critic. I'm Joe Cascarelli, and I'm the reporter. I'm Rosalía and I'm here today with you guys. Yes. Thank you so much for being here. Like literally on some days, Jo. Some days. On some days, I think, is this person the only good pop star?
...
Thank you for being here. Loved. Every episode of Popcast is at nytimes.com slash popcast. We're on YouTube at Popcast. Subscribe. We're on Instagram and TikTok at Popcast. Tap that like. Tap that follow. Tap in. Don't tap out. Credits and links and bio. We'll be back next week. Yes. Invite me anytime to eat more snacks, please. I lost my hands in Jerez"
}

Retail Brands Mentioned in Podcast

Based on the transcript analysis, the following brands were identified:

Calvin Klein — Mentioned in relation to Rosalía’s commercial appearance
Kinder Bueno — Cited as one of Rosalía’s favorite snacks.
Nutella — Referenced as a preferred treat.
Nestlé — Mentioned as the manufacturer of Milky Bar ice cream bites.
Nongshim — Korean snack brand discussed during the tasting segment.
Cap'n Crunch — Referenced for its scent similarity to Korean snacks.
Doritos — Mentioned by one of the hosts while discussing snack collections.