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
 
No, I mean, it's -- I mean, we talked about the 45, 55 split, I think last quarter, and I think if you, sort of you back out of the goodie this quarter kind of takes you to the high end of the range, I think for us, we like to be as, Andy we're halfway through the year, we've got a bit more to play out. And, we'd like to be reasonably conservative where, we're, in essence, we're bumping up guidance by getting to the top end of the range. Now, rather than, people are assuming the midpoint with bumping up cash. So I think, it's a good news quarter. And, we'll see where we landed in Q3 is how we guide for the rest of the year, that's probably the best way to say it, but you get no favors, and, over promising and under delivering, as we were much better to keep our -- to be prudent, and as we've done in the past. And I think that sounds as well. And that's the way we're going to be.

    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 guess I think of it, Scott, is we would continue to expect to see some pretty decent consumer demand next year and proactive demand to be only down 2%. So we mean this year being up 6% to 8%, next year being down to 2%. You still have that kind of baseline proactive replacement, strong residential replacement, some potential growth year-over-year, I think in our numbers. So we do still expect it to be consumer demand pretty fairly strong, relatively strong, similar to what we saw this year on an underlying proactive replacement.

    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. Good morning, Happy New Year. Really a great job on manufacturing margins given what's going on. So congrats on that. But looking, Lorie, a bit, maybe at the ASPs there, and pricing, maybe we could just delve into that a little bit and talk through. Bill just mentioned the different types of cars. Can you talk about what types we're seeing in terms of the order book, and understanding that you don't give exact numbers, how do we kind of volley what's going on in terms of filling up the order book with lowest ASPs versus the future margin impact on 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, Gus.

    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
 
Thank you. I'm wondering if you could reconcile some comments made. On one hand, you mentioned deemphasizing higher market and rate-sensitive business. But on the other hand, Charlie, you mentioned previously that none of your businesses are sacred cows, that you look at everything.
So it would be helpful to understand how open-end at your quest is, or if you have a pecking order in mind.

    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, Waqar.

    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 one, they're very complementary. One of the things that got us so excited about this sort of next journey was how well our core business mapped to the future. So there's -- we said that we're spending in this year, $4 million on digital assets. We're taking -- trying to be as efficient as possible going to some of the margin questions. We're really asking a number of people to sort of where has -- we're transitioning to building a pure digital asset team, and we probably have maybe eight or nine people in that space now.
It's very, very helpful. The expertise that we have as the third largest gold manager in the world makes what we're going to do on gold tokens work, the same for treasuries. And one of the things that DeFi needs, and really we're pitching this as responsible DeFi, which means regulated DeFi. The market needs to get things through regulators. And really, it is one of our strengths. We -- I think the regulators are viewing WisdomTree in this new world as a trusted solutions provider.
And so really trying to work out the issues because obviously, the standards can't be different in a digital asset world. You need to be -- maintain the foundational principles of regulation of know your customer and no anti-money laundering, disclosures and all of those things that make financial services trustworthy has to come over to the new world order of distributed ledger tech. And so we think we could be sort of that bridge brand that could pull this off.

    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, So ECLGS 1.0 is slightly over INR30,000 crores, and 2.0 and 3.0 put together would be about INR2,500 crores to INR3,000 crores in all. So that would be roughly 9% or 10% of the overall volumes. In ECLGS is 4.0, many of the customers of the ECLGS 1.0 in our case, since they are not restructured and they don't want to be restructured, I think we'll have very limited or pretty much non-material negligible eligibility in terms of our portfolio.

    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
 
Okay. So the normalized statutory earnings were approximately $100 million. As I said in my prepared remarks, reflected around the $200 million to $250 million impact from lowering the mean reversion of rate under statutory, the prescribed mean reversion rate for the 20-year treasury. So this was a good quarter considering that that's the full year impact absorbed in -- fully absorbed in the first quarter.
The VA results, as you probably would expect, were very good in the first quarter, driven by the market factors. And this was offset by a weaker non-VA quarter. As you heard me mention in prepared remarks, this was a tougher mortality quarter. So the story for VA -- the story for norm-stat earnings was really VA and again, the impact from the full year adjustment to the mean reversion.

    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. Hey Frank, this is Jim. Thank you. Thank you very much. Really appreciate it. Yes. We take a look at CCaaS really the success we're seeing is a combination of multiple factors. First, as we take a look at CCaaS as you mentioned, we are seeing the results of the tremendous amount of investment we've made and really driving capabilities to support the digital transformation, i.e., sort of the work from anywhere capabilities. We've also as you probably noticed recently building out our partner network and really delivering AI to the solution, which is a real differentiator from us, be it through Google, be it through AWS or even for that factor our own conversational intelligence.
We're seeing a nice uplift as well as you look at our capability to build out features such like workforce management, expanding CCaaS into our channel capability around the globe. We added two new countries this past quarter, which as UK and Ireland. We are going to be adding roughly a dozen new countries to the offer as we go through the balance of the year. So our goal is pretty simple since we started really entering the CCaaS space roughly about a year ago. And that's to bring the features and functionality differentiation leveraging our IP and our internal capabilities with our partner network really to build out sort of the ecosystem to drive the solutions and we're really very pleased with where we are. We're pretty excited about the fact that we continued to add and we'll continue to add expanded omnichannel integration into the marketplace in the near future as well. So I would say everything is right on track and customer acceptance has certainly been in line with expectation.

    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
 
Right, right. Because commissioning typically, we have to incur a lot of costs which remains in CWIP, and then we commission. So again, if it is in CWIP, it is capitalized, right? So that is the way we reported capex, yeah. 

    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, yes, absolutely, Joe. There's been a step change in our cash flow performance. And I think everyone has seen that over the last couple of years. It's always a little bit tougher in a growth environment. So we'll be ready for that. I still think there's some opportunity across our enterprise. Some of the recent acquisitions, I think we've got some upside on inventory and really on receivables and payables throughout the last 20 months. So I still think we've got room to grow here. So we're not expecting much of an impact.

    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, thank you. Good evening out there. So first, a little bit of a follow-up on question on leasing. The blended rents in the quarter were up 9%. I'm curious how that compares to your mixed use versus more anchors. And also what is your sense of how that plays out, that dynamic, that spread perhaps, given the demand and pricing trend you're seeing in the mixed-use and gross rented portfolios? Thanks.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thanks. Good morning. Please hit the earlier color that you gave, what you're seeing there in early 2021, if you could speak to the US, what you're saying with units, there are new and used, we're hearing about recovery. If that's something you're saying.

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

    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, I'm going to start, then Mark can add in. Gerard, so some of the things we're seeing right now, individuals have a lot of cash, either because of the stimulus checks that have occurred or not spending money in other things. So our payment rates in credit card Terry talked about that, that's impacting balances. All those things drive to near record levels of low charge-offs in our credit card portfolio, on our delinquencies. And the consumer is just very liquid right now, and that's part of the reason that we're such at a low -- such a low level. And we do expect that to continue to normalize over time as they start to utilize those savings and get back to spending money in a more traditional sense. So that's one of the things that we would expect. If there's a delay on that, then we're probably going to be at a low level for a longer time frame. And then the area that we would expect is start to migrate up a little bit as well as on the areas impacted by the pandemic that Mark talked about.
And I'll let Mark answer.

    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 some of the key elements that are complete -- I don't want to imply all key elements are done. So please if I said that, I've misspoken. Some of the key elements are already in place. And I'll give you an example, right? There'll be the closed -- the first month's books with on our financial systems. The people moved into our HR systems and we used Workday for that. So all the employees are in our Workday system. Everybody on day one had their email set up and they were on our domain and had log-ins. Really on the system side and on the integration of the financial processes and all that has been very rapid and remarkably good and smooth. And we also continue to -- as it happens, Chef was using Salesforce for their sales automation and so do we on the CRM side.
So we're bringing those together and so on. So I think to us the key getting out of the gate, we were able to do that and do -- integrate those systems really well, bring people on board really well, put their functionals where they belong within the company on day one, so that the people knew exactly which organization they were a part of on the very first day that they joined. To me, all these things, so I can then be able to start interacting with customers on day one. So the person who's leading this business for us, Sundar, who reports to me, he has personally spoken with nearly 50 customers, right, 50 enterprise customers. And the team has spoken to many more than that. And so it's -- all those things have gone really well. And that's what's exciting about it, 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
 
Thanks.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
[Indecipherable] A couple of questions here. And hoping you can answer some of this. In terms of the automotive revenue per site that you're generating, which keeps going up every quarter, which is great. Can you maybe parse that out as to what percentage of that 9,042 is actual DMS charges versus layered applications?

    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'll take that. And it really goes across fixed income and equities. And fixed income, which I spoke to earlier, is a lot right now about realizing the synergies of the combination with Sandler and incrementally expanding on some products. But I think that is less around significant investment and more around leveraging what we have and being additive with some organic investments. But see growth opportunity there as a result of all that. On the equity brokerage side, obviously, we have now a much stronger business after the acquisition of Weeden in the middle of 2019, and are continuing to see growth in the average number of clients that we're trading with every day. So again, don't feel like we fully realized the capabilities there yet.
And that's an area where we will look opportunistically, are there areas that make sense to add from either a trading product perspective or even potentially a research perspective. But in terms of the large dollars of growth opportunity, I think Chad spoke to that earlier, and we're looking at some of those acquisitions relative to our different banking verticals.

    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. Look for us we have been hit very very hard by the U.S. position relative to China on 5G access with a large wireless OEM, right? And that was our opportunity to be a huge player and that has really hurt us big. So, I think that simply answers your question what does China mean for us, right? So, on the other hand the rest of the rollouts have been pretty slow. And you're also seeing that the -- that they are not deploying a huge massive MIMO solutions as was originally expected. Instead of 64x64 MIMO they are talking about 16x16. So that blending has come down to as I guess reality is setting in generally over a large TAM. So right now the focus is about getting design wins outside of China with the various OEMs and the industry generally tends to be very slow and frankly conservative is a flattery for those guys. And you win platform at a time and that will end up to a systematic build-out in revenue growth and not having incumbency has been a challenge as well for us. However, we expect it to be a long-term focus and growth opportunity for MaxLinear.

    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
 
Hey, guys. Thanks for taking the question. It's in regard to the $300 million buyback program announced tonight. So you're clearly seeing continued momentum in the business, much-improved cash flows, but you were also dealing with all these supply chain is used concerns around inventories.
And also, you've talked about a much greater potential for acquisition into next year. So just walk me now in terms of pulling the trigger on repurchases versus building inventories or growing the customer base further? And do you expect to be active in the market immediately in Q1 just given where shares are trading today?

    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, and good afternoon. I guess, Sharat, I want to drill down a little bit more on the peak renewal cycle. How are customer conversations shifting as we get close to the reality of a reopening? How are some of the early renewal conversations going? Are there any customers that are going to completely go physical and not virtual, it's going to be hybrid? Just walk us through how you're engaging with some of these existing customers and how the maybe the message is pivoting more heavily toward lead gen or something else? Just trying to get an early view on what those existing customers and renewal conversations look like today?

    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 all the surcharges are copper related and therefore, they are tied to motors and electromagnetic brakes. So think about Turf & Garden, ag, in particular. That's probably where it's very heavy and then some automotive application, brake applications, some other end markets, probably. And then when I look at price, several of our businesses are going out with second round of price increases here in July and in some cases, in August. Now it will take a while until we see that price flow through you count backlog is at the oil price that needs to turn. And so I don't think we'll see the benefit really pop up until Q4. And therefore, we do expect that gross profit margins in the fourth quarter will be stronger actually than here in the third quarter.

    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 don't have any new guidance to update today. And as we mentioned in our last call, we still project to be below the low end of the range that we provided earlier in the year.

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