{"version":"1.2.0","chapters":[{"startTime":0,"endTime":37.59},{"startTime":37.59,"endTime":53.75},{"startTime":53.75,"endTime":254.44,"title":"Understanding Tax Refunds and Instant Offers"},{"startTime":254.44,"endTime":730.05,"title":"Understanding Tax Refund Loans: A Cautionary Tale"},{"startTime":730.05,"endTime":1078.15,"title":"Understanding Tax Refund Loans"},{"startTime":1078.15,"endTime":1218.43,"title":"Understanding Tax Refund Loans and Their Risks"},{"startTime":1218.43,"endTime":1663.62,"title":"Building Emergency Savings: The Key to Financial Security"},{"startTime":1663.62,"endTime":1811.094,"title":"Building Your Financial Future: Emergency Funds and Tax Preparation"}]}