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. We don't break out that separate from overall. Obviously, we had talked about earlier in the year as we were going through the pandemic, we did recoil a little bit and kind of held off on certain things. Then once we kind of opened our eyes and saw what was going on, we started to accelerate that to get back to a normal level as we headed throughout the summer.
And so we have -- the number of teams that we have fully staffed, that's at eight per team, and then we look to add people. To the extent that we have any turnover, we would be looking to add people to replace those positions. So no real strong information to give you on exactly the number of quota-carrying employees we added for sales. But what I would say is that you did see us throughout 2020 expand our inside sales model quite a bit, and so that was a new focus that we had not really had until late 2019.

    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
 
Ali, I think the -- what I'd point you to is the -- before the pandemic even, I think it would have been three straight years, maybe more than that, every quarter, year-over-year increases in ASPs. I think the total loss frequency dynamic is the most important driver of our business long term and it naturally drives ASPs upward. As insurance carriers find it more economically rational -- more economically favorable to total more cars over time, those marginal cars are better and better vehicles, less damaged. They are ones with cameras and sensors taken out, not drivetrains. And those have a very wide-ranging set of buyers who want those vehicles. So I think there is a lot to our ASP growth over the years, which is secular.
There certainly are cyclical factors. Five years ago we used to talk about scrap metal prices, which obviously less relevant today. Today we're talking about used car prices clearly relevant to us. But I think there are secular portions of this ASP growth which will prove more durable. How exactly, I think is -- what is exactly attributable to either, I think is obviously a difficult intellectual exercise to isolate those variables.

    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. On the freight, clearly this is the factor. You probably have [Indecipherable] another calls in the industry. There is a real shortage of drivers and of trucks. So the ratio between available tractor is low has significantly been worse and that's what we see in the right to the point that we've broken it out really in the earnings release separately because the deals like the significant and it really depends. As I see, we have contracted rates, but then you don't get the truck, you have to go complain to them. So we see the impact on multiple levels. One is, the input costs are going up because the phase is still coming into our cost of materials and ingredients and packaging materials. So we see there. We see it when we move product between our locations, including on the distribution side.
We have seen increases between 30% and 50% and we have to see where that's going to net out. In Q1 [Indecipherable] but we have both the freight as a major cost increase for the year.

    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
 
Jamie, there -- I think I'll answer it this way. There are a number of factors that we put into the thought process about liquidity. It is safe to say that that was one of the stress points that we consider. So it's wrapped into the analysis I was describing that has us kind of landing in that $10 million to $12 million zone.

    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, good morning, Mike Chris. This is Mike. We'll definitely take a look at rates. We always do every quarter, sit down with the sales team and take a look at rates and we might move them up a little bit. We really don't see a lot of sensitivity by our consumer as it relates to rates. Now keep in mind too and our average interest rate is around 15%. So we're already at a pretty high rate. I think when we think about the portfolio, we might actually kind of move toward trying to reduce down payments to get that portfolio growth at a greater rate. So when you think about the nice net interest income, even if we kept interest rates flat, but we did things to lower the level down payments. Now that has a provision impact which we have to manage, but if you think about lowering the level of down payments that get that portfolio growing quicker and obviously the great spread at 15% when you borrow at 2 percent or under, it's very attractive to us. So we'll definitely look at interest rates. But I think more importantly, are there things we can do from a down payment perspective to grow that portfolio quicker and trying to get that net interest income back up.

    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. We feel good about our business in the installer channel despite the impact that we point out from COVID-19. When we break down the installer business, our national accounts, which has always been a big part of our installer business, our larger accounts, definitely are feeling the effects of the miles driven being off. And so that's where we see some of the toughest declines in our overall volume. But we're continuing to pick up new business. And so we believe we're growing overall share, obviously, at a modest rate right now, but a good steady rate nonetheless. So the installer business is the one business that is underperforming for us right now, but is really well positioned as miles driven begins to improve to see more of a recovery there. But we're certainly encouraged by the good, steady performance in the DIY channel and steady share there, too.

    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
 
This is Nathan [Phonetic] on for Lauren. Just a quick one for me. Can you provide some color on what you're seeing in the early Digital 360 customer behavior, engagement and retention when compared to a core digital studio member?

    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 do believe there's potential for that, yes. We're already so.

    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
 
Bhavan, is that 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. So maybe what I'll do is I will have Raef talk a little bit about the nitrogen logistics, and then I can have Ken do the same in potash for you Mark. So go ahead, Raef.

    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, I would just add. Thank you, everybody, for joining us early this morning in a pre-market earnings release. We look forward to meeting with you all again in about 90 days. And then, I'm going to talk through our Q3 results.
I thank you all, and have a great day.

    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. Thanks, Jon. So with regard to 2022, I think what we really described it is that 10% in Q3. We've said that, that will remain for the near-term, the implication that, that's Q4, likely extending into 20220. We ultimately do see it abating at some point in 2022. That's the vision that we have. We will give that guidance as we get into February, but we don't ultimately see this existing permanently. We do see some -- it peaking at some point likely in the first half. We do keep our eyes open to the opportunity to lock in. The dilemma right now, as you would suspect, is that everything is really at a pretty high level. So we are very opportunistic and to the extent that we saw something that we believed would be at a market low or below average of looking out for the next six, 12 or 18 months, we would take that opportunity to lot. It just really hasn't presented itself at this moment. But we are always looking for that 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
 
Thanks, Rich. 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
 
Yes, marginally.

    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, Ben. Appreciate it.

    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, Mark.

    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 have invested quite substantial resources in the last two years or three years to expense that those crops, we continue doing it, and yes, we continue seeing opportunities. There are -- we have committed orders there from our customers and now we have to deliver. It is a very good position that we are in -- on the wrapper side.

    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
 
I think that's a good expectation. The other thing I'll highlight is we talk -- and Kevin emphasized that 60% of our payments business is on the cards platform. But don't forget about the business we refer to as EPS, enterprise payment solutions. That's our merchant -- our remote fast capture and mobile capture business.
That business has been growing nicely as well. So it's a much smaller piece of the segment that's growing rapidly. And I think you're going to continue to hear more about that business at Jack Henry as well. So both of those, too and I've said it on many earnings calls, the bill pay business, relatively flat for everybody.
There's not a whole lot of new stuff happening in traditional bill pay. But the card growth that you've seen, I think under -- or in the high single digit is a good expectation for the card growth, but it will be greater than that for the EPS business as far as what we're seeing right now because of the strength of that platform.

    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, Michael, and we are friends.

    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
 
For the new rep, probably a little bit different for each second vertical like the channel probably within a few months, like three months time frame and then the enterprise probably likely six to twelve months. Some people kind of may take like one to two years they carry audition. So we are going to also -- like different geo, I think based on how the pandemic, how the other progress is going and also the market opportunity there. But I say we do kind of planning to increase more capacity, when we see more opportunity there and try match the investment with -- I think whether the internal like new product and also the market opportunities definitely will help us to keep driving the faster 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
 
Yes. Thank you. Good evening, everyone. A lot of ground has been covered, but hoping you could just help quantify where supply chain disruptions and logistics issues and material shortages did cause some lost sales as you quantify what you think the revenue impact of that was in the fiscal first quarter?

    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
 
Well, we are seeing larger purchases occur and if somebody wants to do that that's their strategy. Hopefully it works out for them. We like our approach. We like to be in the community, make your money being a homebuilder, turn the asset, move on. And we think over time that's part of why our return on equity is increasing so well where we're now up north of 18% and we call it a returns-focused growth. And if you can keep turning your assets, generate your profits, generate your cash, move on to the next one like we've effectively done, you can get to very nice returns along the way and we think our approach is the right one.

    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, we're not a 3% grower. So, the intention of that is we're advertising 3%, it's going to be a lot -- we expect it to be a lot higher than that. And let's see how things [Indecipherable] You understand the drivers. It's going to be uptake on our Certus product. We're very optimistic about that. We think we're the satellite player of choice playing to the IoT trend. We think personal communication is a grower for a very long time. And so we think all of those factors are going to result in a materially higher rate of growth in '23 to '25.

    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
 
Up 59%.

    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
 
It would be inappropriate for us to lead you either way in terms of your internal calculation. I'm not going to do that. I don't think it's appropriate. And I'm not going to talk about a very important financial arbitration in this format.

    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, thank you. Just wondering if you could come back to the core lunch and dinner daypart and just talking a little bit more about the drivers from here. Todd, maybe if you could touch a bit more on sort of some of those biggest contributors looking ahead if it's the menu innovation or the renovation with the fries, the digital loyalty, maybe the dining rooms reopening, the staffing improving again going forward. I don't know how big the opportunity from here is on throughput and service fee. But just kind of speaking a little bit high level a bit more to some of those key contributors to lunch and dinner from here would be great. Thank you.

    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, Ellee.

    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
 
It's by far the largest component of that. If not yet 10% of the total revenue that would require us to break it out. And as I mentioned before, since there are no other public competitors in that space who report any sort of information, we're going to continue to blend that in with our other revenue number until it's required to be broken out. But it's starting to be a big enough number where you can kind of see the movement there because what else is in other revenue would be interest income on our short-term cash. It would be income from revenues from some of our ancillary programs like Moving Help. So U-Box far and away overshadows what's in that category right now.

    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. You're correct that returns are important to us, but also dampen the volatility is in the mind of everything we do. So, of course, the team is considering that I can't disclose that much at this early on, but I think what you need to also think is that over time we will try to become a minority partner and some of the objective goals, this is to deconsolidate and take all those assets out of our participation. So, to a certain degree, we are acting [Technical Issues] nurse long term of this. That's why I talked before about strategic partners of financial power. I think we're going to be able to deconsolidate. We are going to be able to monetize some [Technical Issues]. If there is some upside to that, hopefully participate in all that. But you're correct, the objective [Technical Issues] participating things that aren't to volatility, but actually the dumpen volatility and we've been very consistent in that over the last 10 years.

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