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
 
Okay. Could we have the next question, please, operator?

    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
 
Sure. The -- they're actually already actionable because we've actually implemented those -- that we've implemented new clients on those solutions. So -- and once we've integrated with a certain version of Oracle or SAP, it's a rinse-and-repeat opportunity for us as we go out and find other larger enterprise-style clients. So this is a move upmarket for InvoiceCloud primarily in enterprise to drive higher revenue per client through attaining larger deals.
So yes, those are done. And we continue to be aggressive about finding new partnerships, and we'll continue to march forward with both hunting and farming on our partner base.

    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. We are recommencing as we described in both the supply chain and the financial systems projects. Fortunately, we did continued some critical ones last year, and in fact, have already been receiving the benefits from that and to the tune of approximately $4 million in 2020. So those are going to continue in 2021 and obviously, already demonstrate almost the lion's share of what we would expect out of the program. And from a capital standpoint, I think we've outlined it pretty extensively in the 10-K, but we've seen a nice moderation in terms of the amount of capital we will put out, where it won't be as dramatic as it was originally thought it might be.

    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 first of all, John, being a little newer to our company, the fact that the midpoint would be flat to Q4. Q4 has historically been our largest quarter and largest by a good mile. So historically, we have had Q1 down even in very strong markets.
In 2016 -- '17 and '18, Q1 was down of those years on the prior Q4. So first of all, the revenue is probably holding in very, very well. And then with respect to the midpoint of the guidance, as we described, we did not take out of the non-GAAP range roughly about $20 million that will be spent on the investments for silicon carbide. So if you tax effect that and do it, it's in the neighborhood of $0.12, $0.14.
So that is really the major difference going forward. And as well as we do expect, as Bob has already said, to continue to have cost to try and battle supply chain storages, as well as dealing with COVID. But the major difference, when you look at midpoint to what we delivered in Q4, was the silicon carbide investment.

    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
 
So Chad, it's -- you know, we haven't specifically broken it down that way. You can see that our billings fluctuate from quarter to quarter. And as we had seen within Q4, we did bring forward some of those and that did create the 41% growth rate in billings in Q4. That's the reason why we look at the trailing 12 months and also why we decided to provide some guidance on where we see billings falling in each quarter.
So for Q2, we see it falling within the range of 25% to 35% growth. And that's because we are dealing with, one, renewals that represent potential for billings; we have a co-term arrangement with our customers. That also means that there's some fluctuation. So it's hard to predict exactly which will co-term.
But when we look at the longer-term view, the trailing 12 months at the end of Q2, we see that being at or above 27%. So that lines up more with the growth rates that we see from a revenue perspective.

    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
 
No, Blayne, I think as we indicated, it's -- organically, we see double-digit sequential growth into September, both in our mobile and broad markets business. And we have really done well and executed well on the design win side. We have higher content in multiple phones at all OEMs that are launching, and that will be launched here in the next couple of months or so. And so, it -- sometimes, it becomes a little bit of a unit play.
So we -- as you know, we always are somewhat conservative in our unit assumptions. There is definitely strong demand for the products. We do take into account, as Liam earlier expressed, some of the global supply issues which are there, right? And we need 100 parts to make a phone. If there are only 95, including this Skyworks parts, but there are missing some other parts from somebody else.
You can't make a phone. So that's all being taken into account. Again, the growth will continue into the December quarter. And so, when you look at how we will execute in the second half of the calendar year, September and December combined, I think you will see some really nice strong year-over-year growth.

    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
 
The only thing we've heard from our operators is on the critical illness recovery hospital side and that is they're seeing some impact from that, which would -- which would mean increased census for us. We've seen referrals from the short-term acute care hospitals really start to climb. 

    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
 
Great. Thanks, Bobby.

    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, Mig.

    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 mean there's no question. You saw the robustness of Chromebooks. And just by looking at the amount of supply that has caught up, I think would indicate that there will be, I think, more of a moderation. And I think you'll get to more of a normal sort of cyclical pattern here as the past year, there's -- there were amazing amounts of Chromebooks sold into the education market. So I would definitely expect that, that would start to cool off to some degree. But you will see that we'll operate from a new base level of Chromebooks than we did before. But certainly, I wouldn't expect the kind of acceleration we've seen over the last three quarters there on the Chromebook side.

    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, Bob.

    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
 
Timeframe, I think probably a year out. You want me to guess that, like based that on, because if you recall, we actually have a lot of increase of headcount feet on the street this quarter. In fact, our quarter ends in August. In fact, some of them has committed to sign on and is yet to start. And with that, if I give them the time for nine to 12 months, six to nine months getting up to speed and at the same time, cultivating the pipeline to make the sales cycle work, I think about a year out, I should see some good results from this class of incoming team members there.

    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, Andy.

    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
 
Paul, this is Jack. Thanks for that question. I'll get started and if Jeff or others want to jump in. I think I would just start with the fact that net-net, we have a fair level of confidence in our ability to monitor the various aspects of inflation and the complexion of that inflation in terms of how it hits our business and react accordingly. As we said in our prepared remarks, our comparatively short duration reserve position and even our risk profile overall doesn't make us immune from inflation, but it certainly makes the impact on particularly the casualty lines more muted or less impactful than others that write very large limit business or have longer-tail casualty business that clearly not only affects their go-forward picks, but to some degree, the reserves, as you said. So -- but there's also some natural offsets, including wages and receipts and the exposure basis by which we get to collect premium. So in addition to adjusting our rates to reflect that increased cost of goods sold, if you will, we will have some uptick on the Commercial Lines side naturally through the exposure basis, which will elevate. And then obviously, the interest rate environment over time should help improve our net investment income, but we have to let that play out. So listen, this is an important topic for our property casualty business, so it's the right question of the day. But I think for us, you should know that we've got our fingers on the dials. We've got great monitoring going on, and we feel on a relative basis well positioned to deal with any inflationary [Indecipherable].

    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. Well in regards to beat in BETI, BETI had very little bit zero impact on second quarter. I talked about on our May call that we would be looking to put 100 clients on it that quarter. We achieved that, I think within the first couple of weeks, and then we held we went through that.
And then on July 6, we actually released it to all other clients. So that was within this quarter. So BETI would have played zero impact as it relates to last quarter. We do think it's going to be a part of our differentiated strategy moving forward.
So new logo ads, as usual, is what contributes to our growth, followed by upsells to current clients. As far as macro, we've been going through this now for a little bit. I've been talking a little bit about us having some improvement with the pre pandemic client base, as far as this quarter. I'd say we saw an improvement in hiring during this past quarter, and the impact that it had on our revenue for this quarter, from our pre pandemic client base was $1 million to $1.5 million for the quarter.
So that's about $100,000 worth of weekly improvement on that number that we had talked about prior.

    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
 
Yes, we've been really consistent in the broker channel. So even throughout the pandemic, we've been greater than 25% of our new business from broker referrals, which I think we were really pleased with because a lot of those visits prior to the pandemic were happening face-to-face. We are back to some face-to-face activity, but a lot of it is still happening virtually from a broker perspective.
And so being able to deliver above that 25%, we're really pleased with. I think going forward, that continues to be kind of our target. It's a good mix in terms of self-generated and broker referrals. We feel good about getting that mix kind of across our target market segment. And we've got a lot of initiatives pointing at the brokers that will allow us to expand the number of relationships that we have, but also deepen the relationships with existing providers who send us referrals on an annual basis.

    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
 
When I ask you, why are you successful? The answer is always the same. So I'm not going to ask you again. But I want to ask you about condition. And the fact that you're so successful for such a long period of time, and we do see new players in the space.
I'm wondering how the competitive landscape changed. What's the -- what do you -- who do you see today in competitive bids versus what you've seen before? And how is the gap between you and the competitors? So anything you can share with us on the competitive landscape? 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
 
Hi, thank you. Was any of the adverse reserve development related to American Access? Or was it all Kemper and IPCC. Just curious how reserve levels are sort of looking there?

    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 Brian, I think, you're right, we're not providing guidance for '22 yet. But we appreciate your tenacity. I think, you have the pieces and we won't comment on the exact numbers, but I think you have the right pieces. The only other piece that you've got to think about in there is what are the growth rate's going to look like.
And again, I think, Jeff has talked about our growth rates in our businesses and what we would think as being normal. Your real underlying question is the first half of '22 gonna be normal? And I don't think we're ready to predict that yet. But you've got all the pieces. Jeff, anything you'd add?

    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, thanks, Derek. Thanks for the follow-up question. Auger continues to be a very strategic asset for us in the Gulf of Mexico. As we continue to see development and investment in the Gulf of Mexico, we still expect volumes to make its way and flow through there, Auger has, presents the great connectivity from the offshore onto the onshore -- into the onshore markets, to then move into the refining centers or even make its way to onshore pipelines that connected to export facilities. So I would expect that going forward, we'll continue to see similar type of volumes that we've seen in the past for the Auger system.

    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
 
Bethany, thank you. I want to recognize the incredible dedication of our coworkers around the globe and their extraordinary commitment to serving our customers, our partners and all of CDW stakeholders. And thank you to our customers for the privilege and appreciate you and your continued interest in and support of CDW and we look forward to talking with you again next quarter. Have a good 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
 
Yeah. I'm not sure how to respond. We're, you know, we have outlook for our business. We feel great about what our outlook is, what our business model is, and that's what H&R Block is up to.

    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
 
Yup. Ryan, why don't you take 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
 
Hi. Thanks so much, and good morning. So I appreciate the breakout of the excess medical expenses, the three categories. And I understand how you get out of the box with the COVID and with the higher disease burden.
But less certain are, I don't understand really the path forward on excess utilization of non-acute care. You run in an open network. These new patients are used to going to the doctor or specialist anytime they want. How do you get that back in the box?

    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
 
Sure. So we had inside sales. We've had it for a while, but we actually took the strategic position with inside sales toward the end of '19, which, really, that group had always been selling online or virtually. We were able to leverage a lot of those processes that we had put in place for inside sales as we made the shift for our outside sales staff.
As we sit here today, we are still 100% virtual selling right now, as well as conversion, as well as upsells to current clients. And so exactly what we would come back as, as far as would we do full selling on site, that's really going to be dictated by the client. I do believe that we've gained some efficiencies in this model, and I'm not just talking about cost. I'm talking about performance, and I believe we would look to maintain those as we look to open back up as a nation here in the coming year.

    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.

    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
 
Alex, that's -- yes, I think that implies basically the right thing. I think we did provide in our prepared remarks, there are some items that we feel would be even better through the remainder of the year, which was G&A and interest. So theoretically, if those do also come back, the $1.85 is low. So I think if you want to start off with $1.85 as the low end of the range, I think that works well.

    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. So just in total for the book -- last time you guys asked me that question for the whole portfolio we booked about $328 million in originations or draws during the quarter, that's excluding the PPP loans, and the pre-book the weighted average coupon so this excludes fees and things of that nature but the coupon itself was $365 million.

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