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
 
We actually -- we have a list of folks, Tyler, and it's true. There are a few of them that are I would like to think very close. There's been lots of due diligence done. The progress has been going down the road.
It feels great, but they're not done yet, and they're not done until they're done, right? That said, we have high expectations that these would be good relationships and opportunities for Vuzix. As I said, there's more than a few though. And will be -- as we move forward with those over time, we'll be selectively sharing where it's appropriate. I wish I could share more than that right now.
I can just say the things are moving forward.

    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. There's two things that we see benefit, Jared. One, that people can go online and apply for a loan themselves and be immediately approved and funded because it has an automatic scoring process, so it's a fast, efficient way for them to do it themselves. Or we're also training our FSRs, which are not commercial lenders. FSRs, financial service reps, to be able to walk customers through this digital application within some of the locations that might not have commercial lenders to quickly get loans approved and funded.

    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 the restaurant space. So you're going to have a natural level of transients in the industry itself. So you're always hiring.
And we're very happy with the applicant flow that we're seeing. And fortunately, we didn't start this staffing challenge or prices so we'd like to make it. We started from a better position than I think we would have otherwise due to that culture and our training and development. So yes, we're still hiring all the time.
We still are very, very focused on it, but I think we're better shape than many than we could have been.

    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, Matt.

    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, no problem. So on the SG&A leverage component, there will be some residual deferrals. We've seen some residual deferrals due to COVID. We're starting to see increased travel hospital access, conference attendance, more in line with what we had expected. At the same time, we've made some investments in the IFC business, which as that contribute, should provide additional leverage. By and large, the team is largely built out, especially for those first five markets and for platelets and plasma. So we feel very confident that initial investment will result in high degree of leverage, and that sustainable leverage for quite some time.
As it relates to your question regarding breakeven, what we had said was over the next several quarters, we'll gain visibility and move in that direction. It is a focus of ours, as we talked about over the past several quarters. We're defining it as a core adjusted EBITDA. So backing out depreciation, amortization and also non-cash stock based compensation, and really that allows us to isolate on the core business.
We're not giving guidance for 2022, obviously, but we expect that with that continued SG&A leverage, a return to margin expansion and economies of scale, with the growth that we see, not just for the U.S. platelet and plasma business, but also with contribution from cryo, that we'll be in a strong position to provide some clarity and achieve that milestone, which is again, kind of like a cash breakeven or core adjusted EBITDA as we're calling it.

    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
 
All right, thanks. Hope everybody's well. I wanted to follow-up on something that Randy touched on a few minutes ago. Obviously, nobody knows what's going to happen going forward, but in the areas where you've seen sort of less restrictions, can you just talk about what sort of consumer habits have been like and how those have shifted over the last several months as those restrictions kind of opened up?
And how does that inform you about what you think may happen going forward? And did you do anything differently in those areas, whether it be marketing or digital targeting?

    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
 
That's right. That's right. Its wider spreads and you see that in the loans that we're making relative to some of the loans that are paying off. I think importantly, the last thing I just would highlight here is, if you look, quarter-over-quarter, over the last several quarters, we start at the year our weighted average coupon was about 4.8%. It's gone down about 10 basis points in the last two, sort of quarters, but still at 4.6% is a pretty strong number relative to our cost of liabilities.

    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
 
Sorry, Operator. Faiza, if you want to jump back on the line, that'd be great, you cut out. Operator in the meantime we can go to the next question.

    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. So it's difficult to fully say with certainty, but I'll sort of answer it the best I can to kind of give you perspective on how we'll approach it. So, firstly, from a timing perspective, we anticipate will remain in soft launch through the quarter and there's only 60 days left and we need to make sure that we have all of our customer service and testing and monitoring buttoned up. And we'll continue then sort of onboarding new customers more likely in the first quarter. The way to think about it is, is that as I mentioned, we'll continue to add more nodes these three to five sort of customer type nodes, common customer type nodes, and then we'll add to the existing nodes.
So there's going to be a combination as you think about deposit growth and customer growth. There is existing growth from customers were already on the platform or we'll eventually be moving over more dollars as they start to see more of their counterparties on the platform. Similarly, the counterparty is a little bit bringing on deposits as well, and then we'll be continuing to add more nodes as well. So that's sort of how we think about the programming and really we'll onboard as quickly as makes sense from a compliance and a technology monitoring perspective.

    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
 
Perfect. Okay. Great. One of the wonderful things about a 2-sided marketplace like Etsy is that it gets better as it gets bigger. There's a virtuous cycle that's turning. And so the growth in Etsy in our core international markets has been strong in the past but was truly extraordinary in 2020. And if I look at the U.K. in particular, which really had a breakout year, it does feel like that virtuous cycle just turned more and more. So it appears to us that going from a top 20 e-commerce brand to a top 10 e-commerce brand appears to have a really positive impact on our business, and going from top 10 to top five has a really positive impact in terms of brand awareness in the market. And it makes sense because what's happening is we're bringing vibrancy. We're bringing more sellers with more items so you can shop domestically more. And we're getting more buyers, which brings more sellers. So part of what we're learning is what might be mechanisms where we can accelerate that brand awareness.
How can we invest? There's a natural growth curve, which we ride, but how can we invest to make that happen even faster? You are seeing us do things like brand marketing in both the U.K. and in Germany. And as we always do with Etsy, we're very data driven. We're very experiment driven. And we're looking at what's that doing to our flywheel on both the demand and the supply side and how can we extrapolate that to think about ways to accelerate our growth even further in international.

    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, Jamie.

    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.

    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
 
No, no. Please, your other question.

    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. I would say, we have not changed our view necessarily on the market outlook. But I think as Alan indicated earlier, that market outlook has a lot of variables like what overall market pricing and what volumes and mix are going to be and those -- we only have estimates to one quarter's worth of the product cycle so far. So our previous views on the aggregate opportunity are not changed materially at this point.

    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
 
So this is Ryne. I'll go ahead and take that one as well. Per the press release, we did deliver a vehicle to a Fortune 500 company, and since then, that same company has placed a follow-up order and taking an additional four -- I'm sorry, three units. One is actually currently in transit as we speak.
So no, this was -- these were the first medium heavy duty. I think they have some electric bikes running around their campus. But no, this is their first electric vehicles that will be moving any of their employees on or around campus in this particular region.

    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 can talk about capital allocation. But first, let me talk about the overall strategy moving forward is really about investing into innovation, bring more product to redefine cybersafety, investing, Natalie talked about marketing, but broadly defined, investing in the more solid go-to-market model. We know that this market is still vastly underpenetrated when you take a broad definition of cybersafety and reaching out to our customers is very important. We said it at the Analyst Day, we are operating management team that create levers within the P&L. So improving capacity to drive more innovations, more productivity there, more marketing spend.
But we are also using all levers of our business, including the balance sheet and there you talk about the capital and capital allocation. It's not rocket science. There are really three areas we use capital for. One is for inorganic investments, and we talk about M&A and all capitalized investment. The other one is buy back and the other one is dividend. And we use all three in a balanced way. Now when we talk about balanced way doesn't mean that every quarter, it will be balanced. Also last year over 12 months was exactly one-third, one-third, one-third, but we really take a very long-term view of our business, when it comes to investment and news out of cash.

    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, Sarah. And thank you, everybody for tuning in. Today will be available for follow up if you have any questions and we look forward to connecting with most of you at Navy soon. Have a great day.

    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
 
Excellent, excellent question. John I'll go first and then I'll turn it over to Joe. So look, the first priority on investment is the company and we're making a significant -- and have made a significant investment in digital that is remarkable, the capabilities we built a platform that has the capability to perform for the entire enterprise day-in, day-out and that surge investment period is thankfully behind us and we have the performance that we need than we want. We of course, will on a sustaining -- sustainability basis continue to invest in digital, but the surge investment period is behind us. We're continuing to invest in our USA stores. We're very confident and optimistic about it. And here you're absolutely right, John, we intend in '22 with some of our 10 new stores to move into new markets where we are not today. And we have budgeted additional communication that as we don't rely on markets where the AutoNation brand is strong and established that we will need incremental marketing dollars for that. But -- and that's meant in USA.
We will also do, I expect some acquisitions in new vehicle franchises that fit our strategy and our footprint and we expect that to happen. And now, I'll turn it over to Joe, because we are in the position that we can do with all, with very low leverage on the company. And Joe, why don't you take it from here?

    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. So there's a lot of new entities that are not traditional brokers, but really sort of fulfill the role of distribution, and [Indecipherable] InsureTech are really technology companies. And we're creating a unit whose job is to distribute through the sources just where we were distributed through the wholesale. And really the reason we created a separate unit for it is because it's going to happen to be a different set of processes, much more tech-intensive, much lighter human touch, but basically the same type of business, still E&S, still small and medium-sized accounts, still controlling the underwriting and pricing. It's just through a different funnel.

    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, that's an interesting observation. What I would say is if you look back at last quarter, it was a great example of, I think, what you just described. In an environment where book value was really stable, just a slight positive. Essentially, all of our economic return was driven by our 9% annualized dividend.
So that's very positive. And generally speaking, we are seeing more stability in book value from agency spreads right now. That continues to be the case into October here. We, as Bernie mentioned in her prepared remarks, our book value was slightly positive.
As we sit today, it's probably up around half a percent, maybe a little more than half a percent in October because mortgage spreads again, have been stable, higher coupons have outperformed slightly. So again, if that were the case, then your conclusion would be right that the majority of our economic return would be driven by the return of our dividend.

    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, guys, good morning.

    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, good morning. First question was a follow-up. Robin, I think you said that for Reg 213, if it wasn't changed, you think you have management actions that you could take. Does that primarily include additional reinsurance if Reg 213 was not revised? Or are there other things you can do beyond 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
 
Rob, I would say, if anything, it's kind of proven out our thesis. We talked about when we looked at the space that we like the regional plays and the drive-to destinations, and I think if you see the trends and how that business has responded, I think we would still be very interested in that space.

    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
 
Thanks for the question. So typically, there are one or two big blockbusters during Golden Week. For whatever reason this year, it's much more spread out. So there's not an obvious breakout hit like there's been in the past. And I think there's something like 12 or 13 movies being released. From IMAX's point of view, that's not as advantageous because it wasn't like we could go and find The Eight Hundred, like you point out, and say this is the movie. So I don't think it's going to be a breakout period for us this year. I think we pick movies as good as any of the movies out there in general. But I don't think it will be a breakout Golden Week period. The slate for the rest of the year, though, I don't have it off the top of my head. I remember one that used our cameras called Mozart in Space because, obviously, it has a very unique name. But there are a few movies like that, that we have a fair amount of confidence in coming out later in the year, but not Golden Week.

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