{"version":"1.2.0","chapters":[{"startTime":0,"endTime":0.28},{"startTime":0.28,"endTime":13.574,"title":"Intro: Navigating the Current Market"},{"startTime":13.574,"endTime":15.566,"title":"The Importance of Refinancing Soon"},{"startTime":15.566,"endTime":136.85,"title":"Understanding the Refinancing Process"},{"startTime":136.85,"endTime":161.322,"title":"Current Mortgage Rates and Economic Indicators"},{"startTime":161.322,"endTime":1050.08,"title":"Signs of Life in the Housing Market"},{"startTime":1050.08,"endTime":1331.728,"title":"Demographic Shifts: Birth Rates and Housing Demand"},{"startTime":1331.728,"endTime":1544.19,"title":"Is Texas Still Affordable?"},{"startTime":1544.19,"endTime":1986.174,"title":"Main Event: Five Steps to Refinancing"},{"startTime":1986.174,"endTime":2032.356,"title":"Closing Thoughts: Preparing for Future Changes"},{"startTime":2032.356,"endTime":2039.823,"title":"Outro: Thank You and Keep Grinding"}]}