michelcarroll/llama2-earnings-stock-prediction-fine-tune huggingface dataset:
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
So, we don't really provide any color on the billing, and I wouldn't say that we've experienced any changes that are related to billings being pulled into the quarter. I will say that every renewal is an opportunity to upsell, but we are seeing many customers that aren't even waiting for that renewal period, and are expanding and therefore, co-terming their deal and extending that, and that has been very positive for us. But we see that continuing, because the more licenses we sell, as we said before, the more value the customer is benefiting and the more automation they're getting with the product, the happier they are and therefore, they're coming back and buying more.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah, Bill, we have made a decision that we're going to bring in all of the patients that we can and we're going to staff even if it means that the labor rates are higher. So we have made that decision. 

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
I'm going to ask Brandon to clear that.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
OK. Why don't we send that question to Bill Golden, who will talk about all three of those quarter, not only this quarter, but also why we think we've been having some success.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Sure. Thank you, Steph. This has been an area of focus for us for a long period of time. And part of the strategy of why we acquired manufacturing entities is to shore up our supply chain. You can see our inventory numbers have spiked the last few quarters. This is a strategic decision that we made as we saw global supply chain constraints around the world. We decided to go along in our own products and really be able to meet the demand of our customers where many other people were struggling in that area. And then it also allowed us to put more product on the ocean, and you see that benefit flowing through in our gross margin line. And that's not one that will go away as we're able to get more product where our customers are. Lastly, we're investing in a factory in China, and we've talked about this for a period of time, and that investment should finish this year. And so that capital will be able to be reallocated toward digital tools and digital tool expansion.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Good morning. How are you doing? Just a series of questions here. Of these dealers that you're adding, Alex, how does this break down between the franchise and independent segments of the market?

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
To the first question is, yes, it does exclude in-sourcing or internal transactions as far as the growth that we're seeing on the Ham-Let side. On the -- the overall potential to grow, I think there's several areas that are driving that. Certainly, there is OEMs and their requirements as well as some of the chipmakers and there's a lot of new fab announcements as well as I think you've all seen and those fabs demand a lot of the same type of components that are used on the OEM equipment. So, I think we're seeing pretty strong demand over the next several years across the board.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Good morning, everyone, and thank you for taking my question.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thanks, Adam.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. That's a great perspective. And the work that that are newly acquired -- that we had previously within Stantec, but certainly bolstered through the acquisition of [Indecipherable] really supports that sort of grid strengthening type work that will require -- that they will need to be done in Texas. The fact that Texas grid wasn't winterized and ready for a storm like that has been known for a decade or more. I guess what will be interesting now is whether the regulator and of course, the citizens of Texas will actually require some of that work to be done, but we've known this work as needed to be done since I believe there was a nice storm in 2011. And the results of that were very similar and really no work was done at that point. So we got all the skills. We've got great relationships. And so should the funding come available to actually make some adjustments this time, we're ready and willing to tell, but we've had some discussions already there, but I'm not sure that it has got anything meaningful from a contract perspective at this point.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
So look, on the top portion, that's -- to be honest with you, that's why we gave you the year-to-date stuff because I'm not really that concerned about it at all. And the fact that I'm guiding toward 1.0 in Q3, we should be fine. In terms of the renewals, I always say, look, we're going to continue to have a healthy dose of both because we had to continue to renew the work we have, but also win new work. And a lot of that new work is still coming on our existing client base.
And that's why I give you both numbers because when I started this whole endeavor two years ago, people thought that the revenue was going to run away from us. And clearly, we're showing now, it's not. And that's why I continue to show you the renewal number. I always want the new work to be a little bit higher than the renewals.
So that's why I like the numbers we've got so far.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yup.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
I mean, it's a net presentation. So obviously, in Q4, as Melissa said, we signed them three to six months ago. We were in the implementation phase. They're starting now to really ramp up, but we are not going to see the real benefit until next year.
It's net. Therefore, being net, the rate is going to be much lower than the overall corporate payments. But it will depend, as we have said, I mean, the travel business, how much it recovers next year compared to this year. That's going to have a significant impact on the rate.
On the corporate payments, which customers are growing the most, the partner ones or the ones that we present the revenue on a net basis? So all of that is going to have a significant material impact on the rate up or down. And therefore, that's why we want to make sure that we give the metrics that are key for us, which is volume growth, revenue growth, profitability growth and, obviously, the profitability margin. And as you know, the more volume also that you have, the more purchase power you have as a company overall. So that's also very important for us.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Good morning, Andrew.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thanks, guys, and good luck to you, Rick. I wish you the best buddy. The question I have it is for clarification purposes when I look at the subscription revenue growth and I ex-out the transactional nature of legal spend management and Paymode-X, I think it was up 19% this quarter, but it was up 25% in the first quarter. So, I'm just wondering what was the driver of that deceleration?

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah. Hi, morning. I'm just curious, the expansion that you're talking about the service centers, just sort of wondering how long it typically take to, if you will, get the density needed to fully season one of these facilities, so that it gets closer to the margins that you wanted? Or is it a situation where the density such in the area that it can come in pretty quickly close to an OD type of margin level. Thanks.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah. Thanks, Mike.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thank you, Wimal. If -- if we could limit yourself to one -- one -- one question, that would be great as we have a number of people in the queue. So next question, operator. 

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Great. Well, operator, thank you. Thank you, everybody. We look forward to talking to you in a post COVID world keeping you posted. [Operator Closing Remarks]

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thank you very much. Good afternoon. Lisa, I wanted to ask a question about the enterprise notebook business. And I noticed you highlighted in the release and in the slides where you are in several different verticals in design wins on enterprise notebook in the Fortune 500.
And I wonder if you might speak a little bit about the relationships that you're building with the big enterprise customers. Do you have FAE support, software support, firmware support, etc.? Do you have the right people in place to really ramp that business more materially going forward? Thanks.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Hi. Thanks. Good morning. Evan I just wanted to follow-up a little bit on the loss cost trend in North America commercial. It sounds like that ticked up a bit to 5.5%. Sounds like it's been ticking up, I guess, it is obviously a minor detail, given the amount of rate that you're getting and continuing to earn in above trend. But wondering if you could just talk about what you're seeing that's driving that increase? I know there's a lot of moving pieces and mix and everything else, but just sort of wondering if maybe you can just elaborate on what was driving the increase in the loss trend?

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Hey, Craig, sorry, Craig to interrupt. I'm not sure if you mentioned costs, but there is no -- I mean the only cost increase -- I just want to make sure, maybe I misunderstood, but there is no cost increase, the cost increase, there's one related to the COVID but really what it is, is a shift in the revenue and the production. So, that's what were -- when we come to $1.2 billion increase in the funding, it's mostly related to revenue or shift in the revenue. Maybe I was not -- I misunderstood the question.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
That's a great question. I think right now, we're actively exploring multiple opportunities some of which you mentioned and I think that really, you know, we're going to try to do whatever returns best on that capital that's when you take in the capital even when we get the note at 0%, not a high bar there, but still, we have our own internal thresholds for what we want to get return on -- what level of return we want to get on the capital we deploy and we're very disciplined about that. So you know, I think, really, it's going to come down to us just rigorously evaluating different opportunities and if we see great uses of capital that drive really strong returns and we'll do it. If not, we'll be patient and deploy the capital as those things emerge.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thank you. Good morning. Yes, some of my questions are already asked. So I only have one. When looking at your Group Benefits, since you operate in the larger segment, I'm wondering if you could contextualize the lifecycle of sales. Would it take longer as we anticipate a rebound when the economy reopens?

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thanks, Jimmy. It's Mark. Yes, you can assume that we'll be fairly consistent with our 50% to 60% payout ratio, which has held well for three, four years now. You'll remember, Jimmy, when we went out at the time of the IPO, we said do not expect any M&A or significant M&A activity from us. We wanted to establish ourselves as a listed management team and wanted to get credibility with investors, and I think we've done that well.
We're past that three-year mark now, so we do look at opportunities, but -- and it would be in the area of capital-light businesses, like supporting AB on the Alternative's buyout. Our wealth management business has been growing nicely, and Employee Benefits business now is at 515,000. So it's not in the category of never anymore, it is something we will look at. But, please, be assured we would remain very disciplined and financially prudent in looking at anything. And don't misinterpret my comments as we're about to make any big announcement. We're not, but we would look at opportunity.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. I think it's meaningful. It might be more as we think about networks and stability and planning that we can do. And so I think the events still occur, but there might be just less of the freight that finds itself in those type of events. So maybe the less dense lanes, maybe different strategies that changed because they had some changes in the network is what finds itself in those as opposed to the repetitive and the base business.
So from an operating standpoint, from an efficiency standpoint, from where you want to have your drivers and your equipment, there's great benefit, I think, for both sides to do that. I don't think it will ever get to 100% that way because of how much change does go on with an individual sourcing and networks. But I think we can get smarter collectively than traditionally has been the approach of the industry.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
You should think about a steady to upward trajectory in ROE. I think, again, you laid out most of the variables that impact ROE; some of them are steady, some are improving. So I don't expect it's suddenly to be a 15% ROE business, but I think we'll see some steady increases in ROE.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes, it's a good question. I don't know that I want to put a number on it. John will kick me under the virtual table here. I think I remain fairly bullish on the continuity lines of business.
Certainly from their smaller scale, you would expect things like SaaS and networking and RMM to be able to grow faster on a percent basis. So you're just, in a way, debating a relative growth kind of thing. And I think a betting person would say if we're doing acquisitions over the time frame you suggested, they would be in newer cloud-focused, security-focused types of arrangements. So the mix will continue to shift, but it's anybody's guess.
And then if you want to count Azure and traditional continuity, then the race gets even more interesting, right, because that's going to be a very big growth area, most likely.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Sure. Let me take that one. I think you're thinking about it exactly the right way, Aileen, but we obsess over this as well. And given the amount of equity that we put back into our ABS structures in the first quarter and in the fourth quarter of last year, combined with all the work that we've been doing around kind of the de-tranche and to really optimize our advance rate, I think that we're pretty good in terms of the amount of equity that we need in that structure. So at least for the foreseeable future, I think we're in a good position.

    Prediction (one of UP, DOWN, SAME): SAME