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, there's a bit of a tailwind in Q4. So no, I wouldn't just multiply by four. But getting to a normalized number, you -- we'll see margins starting to get back to normal in Q4 and -- but there is a bit of a margin tailwind in that quarter that won't -- isn't necessarily indicative of ongoing.

    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. So when we look at the marketing spend, Michael, the -- what we see is, obviously, this is a floral quarter for us with the Mother's Day holiday. So a lot of the marketing spend that we look at right now is focused on the floral brand, but we see good growth coming from Personalization Mall, as well as from our gourmet food categories and when we look at the digital marketing space, what we're doing, and we've said this previously, is we're not playing as aggressively in the bottom of the funnel part of the game, where many of our competitors play from a discounting point of view. But really kind of moving mid and upper funnel tactics as well, which is working very well for us and the marketing costs have gotten more expensive.
We've seen that this quarter last year, marketing costs were extremely low, probably about a 50% reduction from normal. That returned to normal, really beginning back in August, September. So we've been dealing with that increased cost but we've been managing it effectively.

    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. Good morning, everyone. I'm just trying to reconcile the 4% volume growth -- organic volume growth increase from your 4Q versus your fiscal 1Q, which was up 7%. And if you can kind of -- as you think back to the December quarter, a lot happened in terms of expanded lockdowns in Europe, a lot of your peers that are reported have talked about increasing sequential volumes during the calendar year 4Q just based on the expanded lockdowns and consumers staying at home, etc. So how much of that boost do you think you benefited from specific to your 1Q in terms of volumes, maybe the evolution of the quarter would be helpful in terms of volumes?

    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
 
Great, thanks guys for taking my questions and nice quarter by the way, Two if I may, just on the topic of agent attraction, it looks like the fourth quarter was one of your better fourth quarters in terms of net ads, but it sounds Glenn like you guys weren't able to hire as many folks as you want to, can you maybe just talk a little bit about the value prop of coming to Redfin, if you're an agent versus going to kind of a more traditional brokerage in a market like this where obviously things are pretty hot. And then just secondarily, your comments on how iBuyers like yourselves and others are having success paying less to buyer's agents when you guys resell a home that you've purchased. Can you just kind of elaborate a bit on that. What do you think is driving that. Just some more color there would be interesting on that observation you may?

    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
 
Multiple years.

    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, as far as participation rate, we don't have a specific way of getting at that data and it's very different by business. So we can't give you that answer. It's our assumption that there are new consumers coming in, as well as more active participation by existing consumers, and I think we could say that across all the outdoors spaces that we've seen growth in. So until we get some participation data from syndicated sources, which have a lag time, I think at this point, it's truly assumption, but we definitely feel that there are some new participants in the market across the board.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
I think what we're seeing is exactly that, you know, the availability of new housing starts, I mean, there's just no builders or lack of builders and the existing home inventory is at an all-time low. Homes are turning over extremely quick, so there's no inventory. So, people that want to do something are being forced into the R&R market and we absolutely see that, and our customers are seeing it as well.

    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
 
Perhaps, yeah, I think the -- I guess, low double-digits is a broad term and I think of that as 13%, 14% overall, Vincent, so low double -- so, yeah, we're not talking to something like in that range. And I think, as you pointed out, there is very significant price increases that are flowing through in those numbers along with -- I think we have more modest projections for volume growth, but certainly volume growth during the second half of the quarter. But, yeah, the volume growth continues, pricing ramps up and that gets you to the numbers that are somewhere -- [Indecipherable] said 13%, 14%, 15%, something like that. Go ahead, John. What were you going to say?

    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. I'm fine, all the questions have been answered. Thank you.

    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
 
They're new to -- you know, Brian, thank you for that question here. We do continue to see a really good build-out of the pipeline. So, when you think about the pipeline, obviously, we have invested over the last few quarters pretty significantly in sales and marketing, right? So, the thing with the pipeline, firstly, insurance and asset management in North America continues to power that. You see lots of traction in Europe.
Quite a bunch of traction in continental Europe, too. And so, we do see a really robust pipeline. And as Jim mentioned, we are trying to get the operations ready to make sure we are effective in onboarding them as they come in, right? I think what Jim said, I think the off -- the seasonality isn't quite there. Is Q4 a little bit bigger? Often.
But that's true for all enterprise software companies, I guess, right? And -- but it's not like it shows up in the radar right away because you have to onboard them. Jim, would you add anything to 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
 
Well, yes, I mean there's a lot of speculation in there. I think the earnings are approximately -- yes, 6%, in that range. And we'll get back to you on the capital that's currently deployed and sorted out the difference between Cuprum and the balance of that business. As you know, we also have an annuity business there in Chile, but that's a good item for follow-up, Andrew.

    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
 
Commercial. Commercial, we were about 600, which is -- it's an 81% increase over last year. It's 8% increase over the last month. We were 600 -- and this is opening, 600 commercial orders.

    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. Thanks to everybody.

    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, I was just going to say the rule of thumb I think you're referring to was the old one mile per hour is about 50,000 cars. But the really important thing to note there is that is going to impact car types that move in unit train service more than car types that move in manifest service, which is the bulk of GATX's fleet. So if you're thinking in terms of a return to normal, the tank cars in the specialty covered hoppers that make less trips would be impacted less by that than car types like intermodal that are much more active on the rail lines.

    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
 
Morning, Ken.

    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, it's a great question. As we pointed out, the market is somewhat disrupted due to COVID and the fact that there were delays in clinical trials in 2020 for parts of 2020, that are still working their way through the drug development cycle and have resulted in delays to certain projects that we have. We haven't lost any projects, but we have seen, in some cases, that projects are delayed as they're waiting for their data to come in. As you point out, that has some implications around the potential that we'll have multiple projects catching up with us in the later part of the year.
But the post -- I know -- I don't know if it's fair to call it a post-COVID situation. But as we come out of COVID, we're in kind of a unique situation and want to keep an eye on 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. I think what we'll probably see, Jon, is we'll maintain the levels in Fuel Specialties and Performance Chemicals. We don't expect to see much further growth there in SAR [Phonetic] cost. Oilfield to be slightly different. As the activity levels ramp up, you will see some higher levels of SAR in that business, who our expectation is that we'll be able to control that, we'll be able to leverage a little bit more than we have done in previous years. So, you will see some expansion, but I think at the same time, you'll see a higher level of operating leverage going out to that business. And at the corporate level, subject to any sort of various share price movements and compensation payments, which we can't predict. We should be in that range that we previously quoted to 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
 
Hi. Good afternoon, guys. Appreciate you taking the question this afternoon. You threw me off at the 5:30 call, that I'll admit. John, I wanted to pick up a little bit on your comments about the total payment offering and how it allows digitization of all payments in your AP business. Can you talk about -- I think you mentioned perhaps more digital remittances. Can you talk about mix today and how that affects yield and maybe if we're at a steepening point on the curve at which we might see faster digital payments adoption and what that means for your business on a consolidated basis? And correct me if I'm wrong, AP is what, about 10% of the total revenue today, interchanged somewhere in that neighborhood?

    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
 
Nothing I can share. It's actually done based on individual cohort, which is a function of both the periods that the policies became effective as well as the carrier, and it is different by carriers, different carriers seem to have different persistency levels. Also, just as you have seen to the extent you've looked in the industry, this particular year, the 2021 cohort of business have seen higher lapsations and chargebacks. Some of that is believed to be because of COVID and the level of agents or the training levels and the quality of the agents that were available in last AEP. But then again, I don't want to say that is going to be typical for what will be in future periods, nor is it necessarily reflective of prior periods. So you have to look at everything by an individual cohort.

    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
 
On the securities investments again, sorry for another question around that, but can you just talk about the pace of incremental additions from here? I know you just mentioned the $3 billion to $3.5 billion in cash flow, but you're clearly putting incremental liquidity into the book as well. So how should we think about the pace of the incremental investments maybe quarterly as we go through the year into the portfolio? 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
 
Yes, you could call -- I mean, we would describe it as engagement, but yes, we're in discussion with the FDA in kind of having that kind of level with them. And again, the anticipated BLA filing time line is still first half at this point.

    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, Emmanuel. So, John, you want to start on IgA nephropathy?

    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, it's Tracy Kogan filling in for Paul. I have a question about the customers that you've gained over the past year during the pandemic. And I was wondering if you could talk about maybe the demographics of that customer and what the repeat purchases have looked like, and how their spending might differ from your core group of customers. 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
 
We should see an improvement in price to, call it, 2.5% to 3%. I think earlier in the year, we were probably down in the low 2s. So we are seeing a nice uptick 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
 
Hi, good morning. I just wanted to get a bit more clarity on your guidance for the back half. You're saying that you expect Q4 EPS to increase at 40% year-over-year using the midpoint. So that would suggest that your Q3 would be weaker and could be down even lowered in two years ago. So just trying to understand exactly what's putting pressure on your Q3? Looking at your inventory levels, on your balance sheet it doesn't look super low as there have been some pull forward sales into Q2? Or like just a bit of color would be helpful.

    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
 
And that is too early to tell, right. So that would be something that we would be looking to look at in a subgroup analysis at the end of Phase 3.

    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
 
You got it. Thank you.

    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, Alex, thanks and congrats on your new role as well. So I could tell you that the conversations around supply chain design and planning, that I have personally had over the last six months really are at a different level than we've historically had as a company, which I find to be incredibly promising. I mean, there is not one executive I've talked to that isn't thinking about how to simply apply information technology to the problem of effectively plan and design how they spend money and how to manage their supply chain, right. And what we are seeing as it pertains to our business is that division of having these capabilities operational procurement and supply chain design on the front end and the ability to drive sourcing events based on design plans is something that they really want, it's something that they're willing to pay us fairly for.
And if you look at, again, Q1, there are numerous deals that we closed frankly at fair higher price points due to their awareness of the current synergy and the anticipated integration synergy of our platform. And I'm really excited in particular about our September release, which is dedicated to suite synergy that's going to unlock even more of that on the ground for our customers.

    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 will say this, with the launch of Pool Perks, we saw loyalty file growth grow. We also saw engagement grow, and we saw penetration increase about 500 basis points penetration as a percent of total transactions. So we just -- I mean, we feel really good about the dynamics we have in the regular file as well as the loyalty file.
One of the things I'm particularly encouraged about is new customers this quarter are spending 7% more than new customers did last year same quarter. And our retained customers, basically last year's new customers, are buying 14% more this year than last year's retained customers. So the dynamic that we've been talking about, where we launched loyalty, it improves engagement, membership grows, total file grows, we get our consumer in a file, and then we're very good about laddering the op. The last thing I would quote is on a three-year look-back basis, our customer lifetime value on contribution, not revenue, Q3 '21 versus Q3 '20 is up 14%.
So kind of however we look at the file, we're very encouraged by the metrics.

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