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
 
Yes. Hi, this is Marcel. So, we came out in Q4 with over $58 million of revenue. We had an 8% EBITDA margins. So we're -- we continue to invest in the business. We want to grow a sustainable business. And as we go throughout the year we'll update on the specific expense line items 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
 
Of course, Michael, 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
 
Right.

    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, Daniel. It's Andy. The only thing I would add to that is I think that's a real plans [Phonetic] and covers our strategy very nice. I think the only thing I would add is just in recognition of the lower debt levels, just to mentioned within the last week or two, we did get another upgrade from the rating agencies. This time it was Moody's upgraded us a couple of weeks ago, so I just want to mention 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
 
Yes. North of that $50 million would have impacted HVAC, Nigel.

    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. Hi, thanks for taking my questions. Just two quick ones on fintech. I just wanted to follow up on the 11 million collector number.
I was just reviewing the notes from last quarter, and I think you guys said it was 6 million in the fourth quarter. So just wanted to check to see if that was correct. And if so, what explains the pretty dramatic increase in collectors. But just potentially, in general, could you comment on how your trends are going in terms of adding collectors to the ecosystem? And then, my next question, just on the credit portfolio, the amount outstanding didn't seem to increase as much at quarter end, as we saw last quarter, even though originations was actually greater, still above $500 million.
So the question is, are we seeing any change in sort of the dynamics with borrowers paying back? Anything to call out there, that would be great to provide some insight 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
 
I think, really revenue does not become meaningful until 2023. There is going to be revenue growth in 2022. But as we've talked about previously, we are not giving this product away for free. When people fully understand how this adds efficiency to their business model and mitigates fraud, everyone is going to want to use it and the price we are charging is a price that is going to be accretive to their business model. But I think we have to demonstrate that to them in the year 2022 and get paid for it in the year 2023. So that has not changed.

    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 hard for us to answer what the regulators are saying to others. Sometimes, you can read the news and see what they're saying, but that's hard to answer.

    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
 
Hey. Thanks, Cindy and Lloyd for putting me in. Just a --

    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. Well, thanks, everyone, for joining the call today. As always, I guess I'd put a quick stamp or summary on this one that I'm super encouraged. The business is growing. Profits are returning to normal levels. I'd almost put it into the end phrase of this is what we've been waiting for. This is what we've been preparing for. And I think the team has done a remarkable job. We're a bit of the tip of the spear here in earnings season. As many of you, obviously, you're aware of. So I feel like we might be explaining this the unexplainable to a degree. This is a bit of -- also falls into the umbrella of once in every 100-year global pandemic and all the moving parts to go along with it. So besides the fact, I hope we gave the audience some clarity on the craziness that are out there and whatever everybody is dealing with. I just take this opportunity to thank our customers for working with us as we go through things, to thank our employees for everything they're doing to navigate through the challenges of what they're doing to protect their people as well as support our customers and the list goes on and on. It is nothing like any of us have ever saw before. I will tell you this, it is dramatically tougher, in my view anyway, than anything we dealt with back in '08 and '09. So thank you, everybody, for your support. We look forward to giving you an update next 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
 
Jo-Ann, do you have a bit of color around the optimization?

    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
 
And that's going to create more bottleneck when people started abandoning containers. Where is the port going to put those abandoned containers at?

    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's in part dedicated to that, Chris. But given the uplift in the guidance because of the strong performance, we're also seeing that part of it is being driven by incentive costs in our incentive plans as 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
 
The lead times of the aircraft make it difficult to have much movement. I mean you can always do an aircraft or two depending on what that demand looks like. But inside of 6 months, it's pretty hard to adjust that, just given the long cycle nature of particularly some of our supplier components.

    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 from our perspective, we were really pleased to see the announcement earlier this week of KBRA's BB+ rating of the partnership's senior unsecured credit. It's something that we worked hard with that team to educate them about our business, educate them about the -- what we feel is the strong quality of our underlying investment base. And so I think it was beneficial for us to be able to have that kind of dialogue with them and see the result that we saw with a rating that's just one notch below investment grade. It's new news to the market.
It has only been out there for four days at this point in time. But our goal is that by having that sort of public third-party view of our credit, that it will help us with our existing counterparties in terms of pricing for our credit and liquidity facilities. It will help us with credit capacity with our existing lenders and will hopefully open the door for us to develop relationship with new lenders and counterparties who might not have necessarily focused on us absent this side of public view of our senior unsecured credit.

    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 in the Commercial segment, there were a few extra property losses, which were not terribly large losses in Core Commercial, but they showed themselves largely fires. And it's essentially been a continuation for a number of quarters across the Commercial segment. We did mention that there was one meaningfully larger loss in Hanover Specialty Industrial. And fortunately, we have reinsurance, and we dealt with the reinstatement premium. But importantly, if you look across other Commercial Lines, which is essentially our Specialty business, there were other businesses, such as Marine and even other areas, earlier period performance along Hanover Specialty Industrial, which offset that loss. So I would call it just a couple of fire losses that seem to be elevated, and that was really it.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thanks very much for the question. So in terms of enrollments, I think we given what happened last year. So let's reflect on 2020, we saw about a 4% decrease in enrollments, but I think around 13% decrease in first year students. So we're expecting that that probably is an indication of some deferrals. And therefore as we look into 2021, there's likely to be a pickup in enrollments, it's going to be, you know, relatively small. That is, of course, assuming the COVID assumptions I outlined in the presentation come to bear, i.e., that people go back to school in a normal way, come this fall. And then out into the future, I think we see a return to a more, what we've seen across the medium term history in the enrollments will decline at a small rate over the longer term.

    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, this is Kevin. This is a very important launch for us. It's the first time we've launched a product on a new software platform and had a new product launch. We're in a position now of volume and manufacturing wise that we want to get this product to as many people as we can. And what DexCom one represents is really an opportunity where we can get DexCom technology into a geography easier than we could if we went through our traditional means with our G Series product. So we're offering this. And yes, as you talked about, flexible pricing plans, subscription models and things of that nature to get this product to this patient group. It definitely can be a precursor of things we can do in the future to take advantage of the scale that we've created within the business with our ability to manufacture more and again, while the website is very easy to use, I assure you the app that Jake's team and our marketing team have developed is every bit as easy to use as the website. This truly is a step-up for us from a product experience, and then we'll evaluate those opportunities over time, where we have a market where we can increase our volumes and gain more traction with this type of product offering rather than our traditional G Series, we will explore that.

    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. Savi, this is Wade. So yes, so during Q4, we were down about 24% in block hours, and our revenue was down about 47%. And what we said is that we anticipate that our block hours will be up maybe 2% to 3% in Q1, but revenue would be seasonally down. Just with January and February, they are seasonally weaker than what we typically see in Q4, but it will be fairly consistent with Q4, maybe slightly down. The overall fleet in prorate is fairly small compared to our -- what we've got going on. We're less than 50 airplanes in our pro-rate model and that's split fairly consistently between each of our major partners, Delta and United. So going forward, we're -- we'll be -- we'll continue to evaluate opportunities as they come our way and just make sure that we're being very selective in what we have in front of us and make sure we think it will be good and accretive and profitable for us as we go 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
 
Thanks, Rob. I'd like to follow up on the from the dispose, maybe you can kind of just walk us through the rationale of the, to the close this quarter. And he got a couple more teed up I saw on the queue of finger ones and Virginia, etcetera. But Valley Presbyterian, you know, in LA or Piedmont and Atlanta, what was sort of the rationale around these couple of sales?

    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, Mig, this is Bryan. And just to clarify, it was for model-year '22, so would cover the first few quarters based -- or the -- of the year there. So yeah, the CNH has come out earlier in respect to the demand that's out there with the programs. Order boards filled up a little earlier than last year as well, but -- and that's especially, as I talked about in the prepared comments in regards to the cash crop equipment.
And so generally, there are some product categories that are still open for model-year '22 production. But for the most part, we're into the -- starting to sell into model-year '23 here in certain cash crop categories.

    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. That's an important point, Catherine. The newest patent that issued is our third patent here in the U.S. It covers multiple advancements on the proprietary CleanCap technology, and we think it further demonstrates our kind of scientific leadership position here in figuring out novel ways to enable this co-transcriptional capping of mRNAs.
So it's turned out that's important all of a sudden, and it's turned out we've got a very good solution that meets the customers' needs there as they scale up some of these incredibly large manufacturing operations for mRNA. So we're feeling pretty good about it, and we believe that the IP would encourage people to come to us first. And that, in fact, is what's happening.

    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 is no exact number, but we think it's been in the range of $400 million to $500 million and it's never pure maintenance as you know as we said in our comments, a significant portion of this year's capex roughly 80% can be categorized as creating some incremental value by reducing costs to broadening our value-add product mix.

    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 have to verify that number. Will get the number in the past in terms of the Lumenis net numbers. So we will -- let's circle back on that one. But the timing just strategically makes perfect sense. I think that the group is aware of this. We had distribution agreement Lumenis in the U.S., distribution agreement in China, which was effective, therefore we weren't getting the same level of gross margin benefits that we wanted nor could we innovate on the platform. And I guess tie it more comprehensively into our StoneSmart platform.
So by owning that we obviously improve our gross margins. We can drive a more robust product roadmap within our StoneSmart ecosystem. And then we can expand our direct coverage in Europe, and especially in China, we'll have a very big business. So that makes sense. And what do we say here, Lauren?

    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
 
Let me -- there's several components to it, so let me talk about the components, and it really comes in two parts. One is fixed revenues associated with our trading businesses. And in that particular area, we sort of see a big kind of consistent growth year over year, which has been lower single digits. And we expect that to continue, and that comes from adding new dealers, in some cases, new products, sometimes changing slightly the way the mix between fixed and variable works for certain clients as they have choices to make related to that as they can determine some of their minimums.
So that's the trading side of it. The other piece of it is our information services is a big part. And there, we expect the growth to be more in the mid-single digits in -- at least in the short term, and that's related to continuing to add new product to also some are adding customers to IT reporting in Europe, and also the Refinitiv contract that we have, so really all the parts kind of contribute to that piece of it. And I think a key other thing to think about when you're thinking about these things is, particularly for the growth in our information services, we are investing in that area and all of that investment is included in our projections on expenses.
So it's all sort of part of how we're operating the business at this point, and that's important because we are focusing in that area. So it's those two pieces and somewhat consistent with what you've been seeing in both cases.

    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
 
Louise, this is Caroline. Thank you for your question. So first I'll start with our pipeline is rich, and therefore, as a company, we are focused in growing expenses to support the near-term and long-term opportunities that we have, which will enable us to drive long-term revenue growth. That said, we are also expecting to drive margin expansion.
And that margin expansion would come from a few different factors. It will come through from the revenue growth, it will also come from a change in our product mix, and it will also come through efficiencies across our business and our commitment to deliver $1.5 billion of operating efficiencies over the three-year period. Finally, we do expect an increase in margin in 2024 as a result of the step down of royalties specific to KEYTRUDA and GARDASIL. So as I think about margin expansion, our guidance for this year at the midpoint of the range assumes a 2 percentage point increase in margin.
And I expect that margin expansion to continue to grow as you look out to the coming year.

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