{"version":"1.2.0","chapters":[{"startTime":0,"endTime":37.59},{"startTime":37.59,"endTime":37.99},{"startTime":37.99,"endTime":248.75,"title":"Navigating the World of Credit"},{"startTime":248.75,"endTime":296.53,"title":"Understanding Credit: A Double-Edged Sword"},{"startTime":296.53,"endTime":564.91,"title":"The Power of Credit: Using It Wisely"},{"startTime":564.91,"endTime":637.63,"title":"The Importance of Responsible Credit Usage"},{"startTime":637.63,"endTime":724.793,"title":"Understanding Your Credit Report and Score"}]}