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, good morning. Lorenzo, a number of announcements on the ET front during the quarter. I was wondering if you could maybe talk about some of the competitive dynamics in CCS. Your views on Baker's position and maybe just as a follow-up, could you talk a little bit about the scope of the Borg project? And how do these initial projects in CCS line up? Could these be accretive to your margins assuming good execution?

    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
 
On your deferrals, you might remember, we had a limited number of deferrals that we gave, and they were primarily to our retail customers who were a total of about 70 agreements that we entered into, and we had about $6 million of deferrals, with over a third of that collective last year and the remaining portion to be paid this year. Our cash same-store NOI numbers included in our original forecast, remember, it was 3 to 5%, was about 1% related to those workouts. We've collected most of that. We still have some that's outstanding.
And to be honest, I've got reserves against all the remaining balances that are there, so right around $1 million.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Sure. It's going to -- it varies by the areas of business that we're talking about. In general, 50% -- in C&IS, 50 -- about 50% are based on asset values in some ways. And then in Wealth, you can split it even more. And Mark, you might have those numbers closer to top of your head, but it's --

    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 I'll take the margin stuff and then David can jump in here around how we're thinking about whether it's a business branded or not on the smart insurance. In terms of margins, as any kind of new initiatives that you go into, you start out, you've got to build some scale and those field in terms of gross margins. So we expect margins in smart energy and smart insurance to improve as we continue to build those out. What I would say is the revenue associated with kind of those two initiatives in the third quarter would approximately help contribute probably 5% to 6% of our revenue growth, of the 21% was related to those initiatives. And again, we're not probably ready to tell you all the economics around those. But as we continue to build those out, we will expand those. But as you can imagine, solar industry, this is kind of common work process, those margins are less than what we would see in our smart home industry.
And I think it's also important to realize -- we're in an asset-light business here. We're not doing solar installs. It's more of a sales approach as we're generating leads, and so we're getting paid for the leads that we generate across our platform and so forth.
So I don't know, David, if you have anything more on one of those two topics.

    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
 
Good morning, guys. A couple of questions for you on the contours of the revenue environment. If we look at kind of where average fares are sort of trending based on some of the ARC data and other sources out there, it looks like the average fare level is lower than we were in 2019. Can you talk to how much of that is sort of mix and loss of business travel demand? And what maybe a like-for-like leisure yield would look like today versus 2019?

    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, Matt. We appreciate you all joining us this morning for the review of the third quarter earnings. As a reminder, our virtual investor conference is on November 16 from one to four p.m., and you can register right on our website. 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
 
Hi. This is Jeff Drezner on for Rob. Quick question for -- in regards to gross sales for fixed income. There is a large step up there, but then there was a bit of a sharper drop in equity gross sales. I'm wondering if you could provide any color? I know some of your peers have been showing some more equity size [Phonetic].

    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, good morning. My first question relates to your earnings cadence. Obviously, the third quarter results came in quite a bit better than you would have anticipated in early August. And so I'm wondering, are there particular regions or product lines that performed much better in August or September than you had expected that it would be worth calling out? Or is it rather the case that the macro forces on a top-down basis are lifting virtually all of your businesses to a higher level than you would have anticipated?

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Sure. So on the first part of your question on the debottlenecking, we are making a very good progress. I'm very pleased with it. And if you noted in our shipments in Q4, they're up 5% against the prior year. So that's evidence of our ability to find incremental opportunities. And we are well on track to achieve the 75%, and I think I alluded to the fact that we're expecting even a little bit more. So we're very optimistic about our ability to debottleneck and sell those tons in the context of a good market in can sheet.
Regarding the contracts, well, you're right that more is repricing next year than this year. I continue to be optimistic about price development for us, and we're seeing some benefits in 2021. We are expecting to see more in 2022. And that will happen, again, as contracts mature. But remember that on average, we got five-year contracts, 20% or 15%, 25%, that's renewed every year. So it's not like you've got a big bump, but you should see expanding margins. And you're seeing there some better margins in P&ARP at the moment, which we -- is reflected in our earnings. So we expect to continue to see some progress.
So can sheet is a good market for us. It's a good market for -- cans are a good market for our customers, and it's good to see that it's making its way across the supply chain.

    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. Yeah, absolutely. Look, if you think about all of the regular broadcast TV programs that used to introduce new music to the world, whether it's the contest American Idol or The Voice or Glee, podcast for some people will be a source of discovery. And to the extent they like what they hear, that will lead them to listen to music that they discovered vis-à-vis the broad podcast and music that's similar because it now gets curated on all of these services.
So I think the answer is, yes, that podcasting will benefit music.

    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, good morning, guys. Thanks for taking my questions. A couple if I may. First one, just on Viator, obviously a bright star of the quarter. Maybe you can just talk about what is the potential for that kind of B2B side of experiences? And maybe putting that into context, the deal you've done with booking, how big can that be? What Google is doing in that space? And how can you kind of rectify that against using Tripadvisor as the sort of top of the funnel for that? And is there any conflict there?
And just one question on Trip Plus. Looks like you've soften the language a little bit, you used to talk about it potentially being a multi-billion dollar product, now you're saying, you can get a share of a multi-billion dollar market. Is that because you're seeing some copycat products coming in or is this just a sort of am I reading too much into that change of language?

    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. Next question, please.

    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, Pradeep, this is Trac. China continues to do very well for us. And we -- while we disclose China as a separate country, we don't guide to that or comment on the outlook by country.

    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. Kieran, thanks for the question. I'll give some context and Scott can follow up with some additional detail. I think as we talked about last quarter, perhaps, we were a bit earlier in seeing the effects of inflation. And perhaps that's given us some more time to react and respond. And obviously, it's been a very, very pervasive topic throughout the sector. How we feel about it is, and we gave a few examples in the prepared remarks of just some of the headwinds that we're seeing.
We're not going to be able to give a lot of specifics around pricing just because of the competitive dynamic. But what I would say is that we're very confident that we will -- we've offset the inflation that we've seen so far and are prepared to continue taking further pricing actions as needed as we see more inflationary pressures perhaps in the future.

    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. It's interesting. In the first quarter of the year, we really saw healthcare opportunities really blossoming in Canada in particular and in Australia. But what we've seen through Q2 and the bidding pipeline coming for the remainder of the year is healthcare is really coming on strong in the United States. So that was a really nice award for us here. But I think we'll see that momentum continue to build as we go forward for the remainder of this 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
 
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
 
Hi Chris, we are doing well. How are you doing?

    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
 
Hey, Matt.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
No. So they were referencing the high-yield pulp. So that segment which again, is going up against BEK and kind of the market pulp. And so that's already kind of softening out there if you look at the indices. Our comments there is that we really just kind of lag that market with our sales prices. So our prices in Q3 were messaging in high-yield pulp are going up. But I don't think we'll tie that into in any way, our cellulose specialty prices. The robust viscose market continues. And particularly, as you know, Paul, we're a softwood viscose pulp producer, and we continue to see that differentiation between that and the hardwood increase, maybe a year ago is probably $50. Now we're sitting probably $150 on softwood viscose pulp going into the market because it's a relatively limited supply. And in fact, if anything, it's a declining supply, and we continue to pick up more supply on the hardwood side, but most producers need a nice mix of softwood into their operations, and that helps support the pricing we're seeing out there. And that's going to help our conversation because we're not alone in that a lot of our competitors are in the same way. And that's the backdrop and the alternative to see us out there. So...

    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
 
Good morning. Thanks for taking my question. Two, if I could. First of all, just conceptually, how do consumers think about their subscription cost in context of their car payment? And with higher prices and the like, if car payments are going up, is that conceptually sort of one bucket of cost that could risk crowding out of the satellite radio subscription for one? And just secondly, on the -- just on the auto production and chip shortage side, are there situations where the satellite radio or the portion that you're contributing is the bottleneck? Or are you still good on that front? 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
 
Well, I think I'd just point back at this point, Arun, that we're very comfortable, very confident that there's a growing backlog. We're not going to give you any kind of data points right now other than when we're talking with our customers, that backlog is longer than it -- longer, deeper and probably growing faster than any rate than they've seen. But I don't think we want to share any kind of numbers yet. We'll provide that information at a later date.

    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, Jon.

    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, thank you, Mariama. I'll just thank everyone for joining. Hope everyone continues to stay safe and we appreciate your support. Take care.

    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, great question, Matt. And I'll talk about domestic a little bit, separate from international and then I'll pull it all together with some worldwide commentary. But the way to think about it this year is, we usually see some level of vacation pressure in the summer months in the US, but it's usually more diffused across the entire summer. I mean, in this case, what we're seeing is a more concentrated pattern of vacations that are happening right now. And so, what we anticipate from Q2 to Q3 domestically is that there will be an increase still just like we've seen -- we're accustomed to you as we grow seasonally across the year, but it might not be at the same level that we've seen in the past, as we work through this.
But we're very confident that when schools open back up and people get back to their normal schedules, things will be on track again and Q4 will be a very robust quarter. If you contrast that to the OUS markets, we -- it's very common to see this depressed -- depression in the third quarter when it comes to the European summer holiday season. So we're fully expecting there to be a decline from Q2 to Q3 in the OUS markets, like you see in many businesses across the world. And again, then a rebound into the fourth quarter. So when you tie all that together and you think about it on a worldwide basis, from Q2 to Q3, we're expecting it really this year to be in line to slightly up from Q3 compared to Q2. And then a very robust fourth quarter to tie up [Phonetic] 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
 
Yes. I'll let Greg add more color on this, but what we're seeing now is for those type of businesses, they're approaching 2019 kind of number. So their business is a bounce back. And food and beverage restrictions are very, very kind of local and state kind of driven but for a lot of these, they're operating with very limited restrictions.
If you're Texas and Florida and things of that nature, far more. But Greg, you may have additional color.

    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
 
Maybe I'll just reask the question because I'm not sure how much of it came through. So the question was our questions -- yes, margin. So you had good year-over-year improvement in the second quarter. I'm just wondering as we look ahead to the third quarter, it looks like the comp is more difficult on a -- in terms of the prior year comp. So I appreciate the guidance range you've given for the full year, but I'm just wondering in the third quarter, do you expect to be able to continue to see year-over-year EBITDA margin improvement in the third quarter. [Technical Issues]

    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
 
And, Mike, let me start. This is Greg, and I'm going to throw it to Tim. This is a great question for him also. You think about the investments we are making, we still expect to run when the expense base is down next year as we continue to make the strategic investments.
Our strategies -- and you've heard this over and over, have not changed in the last five years for as how we're focused on the businesses which is digital transformation, feeding our business with organic opportunities to grow our businesses such as our fee-based businesses I just discussed a moment ago, and add -- and add to the acquisitions. Our fintech placed to add to our products and capabilities to deliver through our customers our -- our services. So, we're going to continue to focus on that. You know, we're very competitive.
You know, the household growth that we've seen at 3%, strong growth in our Southeast markets. You know, we're a leader in the -- in the -- in Chicago market. So, we like those investments. So, we're very comfortable in ability to compete.
We think our investment structure we have in place today allows us to continue to grow our franchise and be extremely competitive. So, we're not going to change that. We're going to continue to feed the opportunities that we think create the greatest value for our shareholders. Let me let Tim add for just a second.

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