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
 
Yeah. So I'll answer the question directly and then elaborate. So headcounts around 21,600 were down about 14%. So, to the point about the increase in units despite reduction in headcount. This totally touches on I think the power of digital tools and how our folks are much more effective. And we talk about digital, digital is simply not what the customer sees. It's also the tools we provide to our sales and service representatives. And we clearly are seeing more effective close rates, almost double the close rates with our digital tools and clearly higher PVRs, with the tools being used.
So when you look at our ability to manage the volumes on lower headcount, it clearly is in part by the tool that we have put in our sales and service associates. It's also enhanced by the tools that we put into our Shared Service Center, all of which provide us greater leverage if you will, given the volumes of vehicles that we're selling.

    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. Thanks for taking the question. I wanted to ask about fee income. You mentioned about swap income was higher in the quarter. I was curious about the outlook for the swap fees, as well as commentary around mortgage banking and gain on sale?

    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
 
Tracey, I'll let 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
 
Well, it's both. Our near-term inquiries are going up as evidenced in our performance, right? So I think that speaks most clearly to what's going on every day in our locations. As we talk about leaning forward, I referenced the ABI, the DMI, these indices that collectively are very helpful. I will tell you, that's triangulated against the feedback we're getting from our customers and I can tell you, people have -- our customers have a very bright view of 2022.
More often than not, the conversations with these customers really center around them being able to get the workforce to perform the work. That's there. Everyone's always got a largest concern in their opportunity. But their concern is not an amount of work that's going to be driven their way.
And everyone is aware of that 63% of our revenue we derive from that nonresidential commercial construction market. So we're well-positioned. And so my comments are both certainly right now today and for the remainder of this year as well as into 2022, people are feeling good.

    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
 
Okay. And so for those areas, as we mentioned to the industry, so far from our datacenter resource point of view, we focus on the Tier 1 city, as well as the surrounding area. Having said that, we also pay equal attention on the remote areas. Cases like North China, Western region, in government's three years directional guidance also give us a very good framework in terms of the datacenter, future directions and things like that. So as Tim pointed out earlier, for the first half, we did secure some of the additional resources in Hubei province, that's a very good one, because in a way to give us land and power, as well as the power quota sufficient enough to support both wholesale and the retail customers and we're going to continue double down efforts to do that. 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
 
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
 
Michael, it's Frank. I'll take that. Well, it varies, obviously, from quarter-to-quarter. I will say that if you look at pacing in the fourth quarter, our national business is actually doing the best of the different channels followed by the network and the local is lagging, that's impacted, as Mary talked about with regard to these physical presence in the auto categories. The other thing I wanted to ask you -- to mention you also asked a question on autos. Another way to think about how the business is being impacted. If you look at the third quarter, if you add the auto category plus these other physical presence categories like retail, entertainment, restaurants, etc. That represented roughly 40% or thereabouts over third quarter revenues at our station group net total company revenues. And so that does have a killing impact on the results, but also gives us a big opportunity once those categories come back.

    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
 
We're going to respond to the market conditions in our spend. There's no doubt about that, but they will become tied that some of the units -- units [Inaudible]. And at some point you can defer turnarounds, but you might have to either take a squat, and these are things we're looking at. What do I mean by squat? Instead of doing a 45-day turnaround you might have a piece of equipment that is saying they need some help.
You shut that piece of equipment, fix that down, restart the unit, and then run it a little bit longer. But to your question, we've had a low spend. We're continuing to have a low spend. We're continuing to put -- do everything we can to reduce capex with some of the best practices we put in place.
But this equipment ultimately is going to be needed to be kept -- first and foremost, we have to run a safe reliable environmentally responsible operation. So we will have to maintain -- spend to maintain the units in the correct operable condition. So we would expect to see some increase in capex going 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
 
Yeah. I would say if you look at 2020, it was much less around positioning in any way and much more around just the volumes and the business and things that were going well, clients flushed with cash, whether that was because of refinancing or prepays coming through or banks not lending. So a lot of that strength really more driven by just what was happening in the marketplace, which I think as we look out, it's -- again the crystal ball is how long those conducive market conditions will stay in place.
The other thing I would say if we think about the combination with Sandler and what we had hoped to see with the two businesses coming together, we're really starting to see synergies. We fully integrated those businesses and seeing the complementary nature path, whether it's the strong municipals that legacy Piper had being sold into banks or a lot of the products strength in corporates and mortgages, as well as derivatives, loan strategies, etc. being sold into the breadth of the legacy Piper client base. So those synergies are also driving what we've seen as upside.

    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
 
Good morning, Ki Bin. I think there is a lot of pieces that go into that obviously, but again, bad debt and fallout is probably the most significant. I mean, one thing I can point to, for example, is that we added some cash basis tenants in Q4. Quite frankly, about 114 tenants. And that was, you have to write off the -- any receivable there. So that caused a little bit more bad debt in Q4, but it's really all about that bad debt. And then as noted, we still are seeing some fallout. And we expect to have a little more in '21 and then middle part of the year we'll begin to build. So again, it's all around that bad debt fallout number.

    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 would say with some of the challenges we've had, not only, I would say, implicit to Columbus McKinnon, but certainly, with the supply chain for the -- some of the components in the product that was transferred over, we've had challenges. We incurred expediting fees to get product components into our facility. That is -- that took over the bulk of the product line that got moved.

    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
 
Now, basically the statutory rate, here on the income side is 30%. The thing here is that we made the adjustments on inflation to the income tax in the fourth quarter and that's why we are showing a lower income tax -- effective income tax rate. That was an accounting issue, basically -- but if you have to forecast, going forward consider 30% rate.

    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. This is Doug stepping on for Andrew. Generally thinking about the industry, is it moving -- in your view, is it moving more toward direct integrations? And related to that, how do we think about Mastercard's announcement today launching an open-loop BNPL product?

    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, Stephen. Good talking to 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
 
Yes. Definitely baseline utilization. Just more pets going to veterinarians would be the first. The second is utilization. We're seeing those veterinarians do more diagnostics per pet visit. So utilization is definitely the standout. We call out price mostly to indicate that we didn't run a special. We didn't do a blue light special on aisle six and discount things. Price I think across the industry is holding up quite well. And actually at the provider level I think is probably improving faster than maybe the suppliers. Our competitors included aren't raising prices maybe as fast as veterinarians are able to. So I would say utilization is really driving it, which for me is thrilling. It's the most long-lasting of the levers that you can pull.

    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. And Steve, thanks for the question. For us, the big thing is, like you had said, there are some key styles that have been in our assortment for an extended period of time that give us the ability to react to. And we were joking the other day. We actually, for the first time in a year, saw addressed style in our top 25 week in and week out, which was pretty exciting for us. And so getting after some of those kind of items is where we're really, really focused. But in general, you're talking earliest is probably eight to 10 weeks on small quantities, but a large quantity you're talking probably roughly 12 weeks to really be able to impact in a meaningful way.

    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
 
We're not really going to disclose our capital raising plans on the phone OK.

    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
 
Yes, we do. We feel good about muni. That's the reason that both of those are green, as you're looking at Slide 14 we showed, and it speaks to an earlier comment I made about the installed base that we have in the wastewater systems inside of North America that we've been providing products since -- for more than a century now. So, it started late 1800s on one of our product lines. So, we're going back and we're doing retrofit and rehab to an installed base, which is fantastic for us. And that's where we see the municipal operators still investing money. Where they don't have huge budgets to go out and expand capacity, they certainly have the budgets for retrofit and rehab to make sure that they are operating at the specification of the plant.

    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
 
Yes. And so it's a great question, Chris. And we are excited about that because as people -- more and more people get vaccinated and more and more of our customers and businesses in general are going back to the office, it just opens up the opportunity for us to complete implementations and help us board that revenue. Now it's not going to be a cakewalk, right, because everyone's not thrown the doors open back to everything business as usual. But as the year unfolds over the coming months, we really believe that we'll be able to get in and start implementing all of these wins, which translate, obviously, to revenue for us. And that's why, again, today, we reiterated that we think the full year will be 0% to 2%. You saw what we did in Q1, that our margin will stay healthy at 20% to 21%. But perhaps most importantly is that we're going to exit the year for the first time in more than a decade as a mid-single-digit revenue growth company. And that's all possible because we've been selling like crazy, and we think we'll be in the customer's office and facilities, getting the stuff implemented.

    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
 
There was a consultant research report out a couple of days ago, calling for a 4.5 million-ton gap between supply and demand by 2030. That's 15 QB2. They're just not around.

    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. And a good piece of our chain business, it's such that we'll see a little bit of margin rate erosion, but we'll sustain our margin dollars. On our independent -- our independent business, we'll do well, and we'll be able to pass it through fully. Either way, from a margin dollar standpoint at the inflation rate we're seeing right now, it's not unusual. And it's not really a challenge for us at all, and we'll manage through it like we always have.

    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
 
We're planning now, so maybe preplanning it a little bit -- we're moving as fast as we can.

    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, Mark

    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 Steve, its Dash, it's a great 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 very much, I was hoping you could give some additional color regarding how you're thinking about any potential benefits from the proposed infrastructure bill.

    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
 
It's a combination, really, right. We said Foundry/Logic and DRAM up in the second half and NAND more balanced.

    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, what you need to do is you got to back out the PPP loans from your denominator, because those are going away as well. So 1% that's how we get to the core NIM ex PPP is 3.05%. Loans, net of PPP loans is on average for the quarter, we reported earning assets is $17.8 million, PPP loans average was 1.4%. So $16.4 million or so back out the income, but you also got to back out the denominator as well with it.

    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
 
Yes. I think that's -- go ahead, Thomas.

    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 think Mike that you would want to see a certainty of it sort of a return to normalcy, if you will. I mean, we'd like to see them go back to issuing permits, issuing extensions to existing permits, granting sundries. I think if we begin to see those kinds of things coming through on a regular basis and on a timely basis. Similar to what we were seeing prior to the pause being initiated that there might be reason to consider changing course a little bit. But, I think we'd have to feel like we're seeing those things happen and the things are continuing to move along at a pace, that's fairly commensurate to what we saw before the pause.

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