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, good afternoon, Chip and Paul, and congrats on an excellent quarter and year. As we look at the undergrad market opportunity, can you talk about a bit about the -- what the -- what we should think about for the launch cadence in terms of time -- lead time needed to go from sort of announcement to first students enrolled. With LSE, it was your first sort of foray into the space and you took a bit more time to get that going. But then with Simmons, it was sort of rapid-fire, getting things ready quickly for an unusual fall. How should we think about as we think about the undergrad opportunity sort of unfolding into '21 and '22 or how that launch cadence looks? Thanks.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah, I mean, certainly, Dave, things have been tighter. And you think about how we transport a lot of our materials domestically and also in the export markets, think about containerized ocean, rail, trucking, we've certainly have felt things being very tight really across the board and the amount of capacity available. Probably where we felt the most is in trucking. But again, we have very good strong channels to market. We view this as one of our advantages and our strengths as we deliver products to customers. Things have been tight. There have been limited in capacity. But my sense is the overall, as we look back in the first half of the year. We've managed it very, very well. We've been able to secure the transportation we need to get and to deliver to our customers. And frankly, we're very proud of that. We've seen some inflation in logistics overall. But we've been working hard to mitigate that through productivity projects, but also passing that through. As we've demonstrated, we're very good out. So in terms of the second half of the year, we expect things to continue to be tight, but we're going to manage it as well as we could, and we anticipate that not being a hurdle to us to meet our objectives in the second half.

    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 to say because if you always do exactly what to expect, then you could look at the delta. There's lots of things going on. But certainly, less than a handful type of meaningful losses. And they weren't -- other than the Hanover Specialty Industrial, they weren't particularly outsized or routine losses, just a couple extra.

    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. Jeff, good morning. I think maybe just in reverse order, what we brought on from Seacoast in terms of non-accrual, non-performing loans was about $6 million. There's only about $1 million or $1.5 million of that in unguaranteed portions. Seacoast has very little, if any, loans in deferral. Largely, SBA lending their borrowers have benefited from the stimulus payments that the government is making on all SBA loans. And certainly there's another round here will further benefit from those payment activities.
And the legacy portfolio, it's remained really quite stable in terms of classified assets. We saw very little change. We'd successfully worked through a number of credits. We did downgrade, Jeff, any remaining lodging or hospitality loans that received a second deferral, we downgraded in the fourth quarter. And we continued kind of to allocate reserves to that COVID impacted portfolio. But as we sit today, I think, we feel that our reserves are well positioned and strong. So, hopefully, that provided color to your question.

    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.

    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 Ryan.

    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 Mark, another good question. And as you know, we are the leaders in primers and not just regular catalyst primers but lead-free primers. And so we supply not only ourselves, we supply as an OEM, we supply to consumers and we have the leading reloading business in RCBS and what stops people from reloading as much as they'd like to is the availability of primers. So we really like the position we're in, we're driving our primer production as fast as we can to be able to meet that demand. But it certainly puts us in, I guess maybe a bit more of a unique position given the ability to produce the primers that we do.

    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 afternoon and thank you for taking my question. Maybe just to start, I just wanted to ask about the gift card business. Given all we're hearing about supply chain issues, could that be a tailwind in 4Q? Maybe a little bit of a unique opportunity there. Anything you're hearing if you could just talk about 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
 
[Foreign Speech]

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. We are exploring them. We will be focused on the next fiscal year and we will give you more information and the later part of the year.

    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. You bet.

    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'll let Greg answer the second question.

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

    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, Liz. I would say there's a revenue impact. There's a revenue impact and then there's a gross margin impact. And I think that, Remi, you can chime in.
But what I would say is, from a revenue perspective, you've seen our book-to-bill number greater than one. And I think you could expect to see that in this quarter as well. And then as far as the impact on gross margin, I think we would have been -- we would attribute the delta from our guide to where The Street was guiding to where we're guiding today. I think we would point that to the higher component costs and transportation costs.
Remi, do you want to add anything to 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
 
Well, I think the biggest one was the bankruptcy. Our biggest hit Chris was Century 21 at Bergen, which was a pretty accelerated bankruptcy. So, that's the most material. And then I don't know that we have any other big noteworthy fallout.

    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, Jay.

    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, Kevin.

    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. If you kind of look at the big actions that we took in 2019, we are not reversing those. So, we had the very sizable reorganization shift happen in August, and that was across everywhere, but Canada -- or excuse me, Camuto. And then we took our expense -- organizational changes in Camuto at the end of the fiscal year. So, those two big pivots, I would say, are not anticipated to come back and will continue in a conservative posture. We are looking at where it makes sense from a marketing standpoint and Roger talked about our marketing investment, our digital marketing investment, and it's paying off in spades. So that's probably going to continue.
And then, we are also focusing our continued efforts on the occupancy expense. So that doesn't flow through SG&A, but it is fixed cost leverage. And that's an area that we think will have -- will make some meaningful progress 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
 
I appreciate that. Yeah. We're excited for the team down in South Florida, doing an awesome job getting integrated into PROG Holdings, you'll notice there is another category, with a little bit of a EBITDA drag and that's just kind of the spend to get the team, as we talked about last quarter 4 is a great tech platform and a great app and a great team, but we're certainly a start-up so we've got some investment to do there, we're having good conversations, we've had conversations with retail partners about multiple product solutions. Those would include existing retail partners we've had the conversations with prospective retail partners about multiple product solutions. We've also done some very limited cross marketing where we're getting good intel and good results to see how we can use for to grow PROG and just increase the progressive ecosystem. So we're excited about that, but it's very early innings as we talked about it, it was very incremental not transformational and will continue to run it that way and then on the partner pipeline and I know this is the frustrating answer but there is a lot of opportunity out there and we continue to believe that every retailer will have VLTO as a solution in their fully developed finance stack. It's not there yet. That's why we are so excited about the unserved addressable market that's out there. Obviously this time of year. It's difficult to have a have an announcement around a partner but we look forward to continuing the conversations that we're having and progressing them along in our business development process and we will update you as as wins happen.

    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, Larry.

    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, Jake.

    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. Sure. Happy to. If you look at the Parts business and, again, that team is just doing a fantastic job and the focus there is to continue growing and they're able to do that because they really think about what the customers needs are and what the dealers needs are. So they're putting systems in place that enable a really world-class delivery of parts in same-day more and more frequently. And so, that's an area of growth opportunity as we look at it. The finance company is a great foundational growth opportunity for us as well. The new trucks, we'd be really remiss to not talk about how the new trucks are going to help to grow the business over time.
You mentioned, other things like alternative powertrain, zero emissions vehicles, that's a great opportunity for PACCAR. We're already -- put yourselves in a leadership position in terms of order intake. And so, that -- not just the sale of the trucks, but the support of the trucks in the field, battery electric charging stations, battery energy management, fleet management help, those are skills that we can provide. We see embedded software and connected trucks being an opportunity for growth in the future. Obviously, we have this relationship with the autonomous vehicle producers and namely Aurora, that's an opportunity as we go forward and increasing utilization of safety systems like that. So there is a whole plethora of great opportunities for PACCAR to grow as we move forward in the future.

    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, Kash, one thing that's really interesting is when Gina talks about those numbers, which I totally agree with, let's keep in mind it's organic.

    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
 
Well, I think the capacity will be available in fiscal '22 whether we are at that capacity or not. I think we'll wait for the next couple of quarters to update you on that.

    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
 
Let me describe it as this. I think you've got a bit of a catch-up. We've had a bit of a backlog of wins that have not deployed or monetized. And I think that's now beginning to turn into revenue, albeit slower than everybody anticipated because of the supply chain. But I think it is a bit of a catch-up here and I think it is somewhat unique to Ciena. I think the market rate overall is probably going to be in the single -- low single digits for '22. And I expect that to -- further out you get, more difficult to tell. But if you look over the sort of '23, '24, I would expect it to be similar and I would expect us to continue to take share, which is why you get into that sort of 6% to 8% on that. If you look at it over the last sort of decade, that kind of number is -- that kind of dynamic and structure is what we're seeing play out and I don't expect that to be any different. And we're also -- potentially, as we've said, opening up our TAM in the switching and routing, which I think will be helpful to reinforce our outsized growth.

    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, Mitch, why don't you talk about the logistics issues that we continue to deal with?

    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, Henry. Hey, Cameron. Congrats on the great results. Just one for me for Henry.
I want to ask about sales modeling and forecasting. It was mentioned in the script is one of the areas where Chorus scored well. It doesn't really fall into your core pillars of intelligence, engagement orchestration. So I'm wondering if there's a sales management layer there that could be built out and how you think about 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
 
Thanks, Jeff.

    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 Emily, just to be clear, the credit that we will receive here in the first quarter of '22 will be for calendar year 2020. At this stage -- while it's expected that legislation will pass in Poland to continue that credit, at this stage, it has not been formally passed and therefore, I can't comment on outlook for 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
 
Sure, Patrick. So we -- generally we had good increase in the amount of storage. Though you think everyone's aware for the past 18 months, we've had a pretty significant effort on the what used to be called the BioStorage business on our ability to continue to capture more collections and to enhance the storage capacity and capability in customers and I think we've been very successful there. On the COVID-related activities, indeed not just from a vaccine standpoint, but with six different companies, we've now begun to store the COVID positive samples. And so managing those collections has been a new and interesting challenge for us. And even in the most recent quarter, we started to have opportunities for automated stores, where the samples from patients will be taken and later when they're deemed to be positive or negative, those samples are then three hours to sorted out and so we're using automated stores for that purpose too. So across the portfolio, on the sample management side, we're seeing different opportunities to help to deal with the COVID sample. So it's a breadth of capabilities and a breadth of opportunities. I won't say any one of them is moving a couple of million dollars at a time, but they are significant in our ability to adapt our products and services to serve those immediate applications has been really strong so far.

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