{"version":"1.2.0","chapters":[{"startTime":0,"endTime":37.59},{"startTime":37.59,"endTime":39.63},{"startTime":39.63,"endTime":68.684,"title":"Introduction to Ask Ralph Podcast"},{"startTime":68.684,"endTime":286.03,"title":"Listener's Nightmare Scenario: Closed Bank Account"},{"startTime":286.03,"endTime":317.386,"title":"Immediate Steps After Account Closure"},{"startTime":317.386,"endTime":948.026,"title":"Navigating Financial Stability"},{"startTime":948.026,"endTime":1175.986,"title":"Understanding Annuities and Retirement Risks"},{"startTime":1175.986,"endTime":1621.454,"title":"Preparing for Homeownership as a First-Time Buyer"},{"startTime":1621.454,"endTime":1674.563,"title":"Conclusion and Resources for Financial Help"}]}