{"version":"1.2.0","chapters":[{"startTime":0,"endTime":37.59},{"startTime":37.59,"endTime":47.318},{"startTime":47.318,"endTime":301.172,"title":"Understanding Tax Refunds"},{"startTime":301.172,"endTime":1249.94,"title":"Understanding Tax Refunds and Their Implications"},{"startTime":1249.94,"endTime":1503.45,"title":"Smart Ways to Spend an Unexpected Refund"},{"startTime":1503.45,"endTime":2468.624,"title":"Financial Planning with Tax Refunds"},{"startTime":2468.624,"endTime":2582.334,"title":"Transitioning to Future Topics"}]}