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
 
I think it's -- I think, I mean -- I think until we begin to work some of this liquidity off, I don't think you're going to see huge C&I loan growth. We're seeing some in healthcare around senior housing, but really until you begin to work off some of the core liquidity that's really built up among our borrowers, you're going to struggle to see that in the near-term. So, I think it's premature. From our perspective, we have not yet seen kind of a bubbling up of economic activity that would lead us to believe in the near-term there are core C&I loan growth imminent from our perspective.

    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 we're not forecasting by each of the regions and so on from that, I think you can from our business, we're trying to grow teen. It's a great indicator for the penetration there on the ortho side and we'll continue to grow that, but not giving specifics by region.

    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. Well, as you know, our portfolio is 96% leased, so we're starting from a great position of strength there and working hard to fill up those vacancies, both on-campus and off-campus. We're definitely seeing growth in the off-campus space as groups are looking to expand just existing services. And when we do lose a tenant, it's primarily due to the fact that they can't grow within our buildings. So we do have a little bit of repurposing to do there. But again, strength -- increase in volume and activity and from our hospital partners especially.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah. So we've talked to you in the past about the volumes assumptions we make around these businesses. And I would tell you, all three of them are below where our typical run rates of volume expectations are, and we expected that. The first quarter came in along the lines of what we thought, a gradual recovery, and we think that will build as the year progresses, Sean.
Second quarter will be a little better than the first, and the third will be a little bit better than the second. And hopefully, by the end of the year, we start getting back to the more normal levels that we see on volumes and mix in the businesses. I did mention in my opening comments the geographic variation. The U.S.
has come back a little bit better because I think the vaccines have really ramped up relatively quickly here. Europe continues to be a challenge. I think we're seeing it across multiple industries, not just healthcare. And then we're also seeing similar characteristics, if you will, in Latin America, particularly in Brazil.
So we're not hitting full volumes that we would hope, but our -- this is consistent with kind of how we built the plan for the year and what we communicated to you earlier. We see this ramping up second quarter. It should be a little bit better. Again, though, we've got to kind of see how COVID, particularly in some of those markets like Europe and Latin America and how quickly they come online.
So we're cautiously optimistic, but we're taking the right actions to make sure we're here to satisfy our customers when they have the demand.

    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. Clearly, asset sales could come into play. But you're right. You don't sell in the bottom of a market. So you wouldn't get any meaningful proceeds from that. But there are other legacy assets that we're taking a look at. There are other alternatives and options that we're looking at. We've already talked about our cost-cutting and reduction initiatives around the world, that should start bearing some cash savings here, as we go forward. But clearly, that's coupled in the short-term with some restructuring cash outflow that -- it's already in our guidance, right? So clearly, it's top of mind for us, and that's why we're looking at every single area of not only spend, but other opportunities that we could have on there, to manage through that and stay above that minimum liquidity level, as we've been talking about. So I'm not going to get into 2022 at this point in time. So too early for us in our planning process to give you any color there, but just say it's top in line for us.

    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 just to add to that, as Brian said, you had a $30 million core business in diagnostics, which we think will improve slightly as we go forward. Take that times 4 to $120 million. I think that gives you a pretty good idea and a little bit of growth into that, in the core business going forward. And then take your COVID stuff on top of it, and that's why we have such confidence in the 140 to 150 range that we put out there in the diagnostic side, Andrew.

    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
 
OK. Yeah. Operator, if there's no further questions, yeah, we can wrap up the call here. And thanks again, everyone, for joining, and we'll talk to you again in May after our first quarter.
Thanks again. Bye, everyone.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Okay. Well, I want to thank our shareholders and my constituencies here who have listened but clearly most important our colleagues and for the resilience and it is one word and that's resiliency and for their resiliency over this last year and I think also the consistency of our actions that we've taken, whether it was over a year ago with the George Floyd tragedy, our voice around D&I, our initiatives such as Leadership U for humanity developing million professionals of color over the next few years, it's been consistency and resiliency. So thank you very much and we look forward to talking to you next time. See you. Bye-bye.

    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. Thanks, Bob. That's a correct observation. Clearly, OUS did pull our performance up in the quarter. And even though Europe grew nicely, most of this came from Japan and other countries. And so, Japan was pretty significant in size. And so, it really was a meaningful contributor to growth, but it certainly wasn't alone. You could go across many other countries, it's sort of that normally don't get called out like the Australias or the Koreas and these kind of places in the world where it's under-penetrated. And we just don't have TAVR rates where they should be at. We're really strong growers. Some of that may have been that they were impacted earlier by the pandemic. And so, the year-over-year comparisons are a bit stronger. But frankly, the numbers were just up. We continue to see that therapy grow in those areas. China, we're very early in that game. It was not a meaningful contributor to those results. So it's really not a factor.

    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 I would just maybe one build on Margherita's point. I mean a lot of momentum as you can see from her summary. I'd also say just the pricing climate, you're basically seeing customers showing a deeper appreciation for quality networks, you're also seeing I believe government's regulators starting to understand the need for investment into high quality networks and therefore the industry needs to earn a return. And I think there is a little bit more latitude to discuss pricing in this environment.
And therefore, as I said with UK has got the new formula, which seems to be a cost by most of the players in the industry, you've got Germany now just putting through under the draft rules and a simpler way of doing price increasing, you've got our sales in South Africa [Phonetic] increased prices over the quarter in Spain, and you will see in the low end in Italy. So I just -- I think it's a climate -- when people start to appreciate the quality of networks and that gives a little bit more I wouldn't say it strong pricing power, but it just gives a little bit more latitude to do targeted more for more pricing.

    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
 
It was, it was low doubles on the seasonal side, which we were really pleased and there was better full price selling it wasn't like we could get more product. So we're pleased, but there was just a lot of money left on the table. And so we're buying behind those ideas. We've learned a lot, we learn what the customer wants, especially with these new customers to what were they interested in buying and so we've been able to plan our assortment accordingly and go after that opportunity.

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

    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
 
Brendan, you have thoughts 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
 
No, there won't be any meaningful difference in terms of dry docking. Some of those dry docks are regulatory. You have to do them every -- it depends which ship and which flag, and that won't change. There's certain work we just delayed at the moment as a consequence of the pandemic that we'll do in the future that we had originally planned to do, but no material change.

    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, just less than $0.005 was onetime. Of the $0.015, less than $0.005 was onetime, and the rest is customers paying more that we assume is sustainable. Does that help?

    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. So [Indecipherable] answer about de-stock. The answer is yes. So in the second because.

    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
 
In the perfect world, the tenant would like to have an ability to get out at least whenever they can we, obviously we don't provide that kind of flexibility. As I think Owen said in his remarks, our average leases that were signed this quarter was 7.5 years. Typically we've been telling people that we have an average lease length of 8 years so it's [Phonetic] minimally less, but again, the leases that are in active negotiation right now are all on average 10 years or more, all the activity that I described, including the life science stuff, and I would tell you that tenants as I said would like to have more ability to be flexible their space and buy their way out of leases and occasionally we are giving some of that flexibility after longer periods of time, you signed a 10-year lease and you can terminate after the 7th year, something like that, but there really hasn't been a any shift in the profile of the amount of time that the companies that are looking at our kind of spaces are expecting and all of our build-to-suit stuff is still 10, 15 or 20 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
 
Yeah, hey, Gabe. I'll start on Jefferson Island. It was about a $30 million acquisition, so like Barry says, a small tuck-in. The assets really work well with what we have.
A little bit of history probably most people don't realize, Jefferson Island was actually developed by -- by LIG, which is the system that we own today. And then when -- when a previous owner of LIG sold the assets, they chose to -- to split them up. And so what we're really doing is putting the assets back together, but they were built to work together. And it gives us a salt-dome storage cavern that is directly connected to our Henry Hub assets and lets us offer a pretty unique product to the market, and also has some interconnectivity with pipelines that we didn't have on our gas system.
And so it's a pretty unique way to -- to integrate an acquisition.

    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, everyone. Congratulations on the year. I want to get into a little bit the faster club growth. What new markets can you talk about at this point? And how have you restaffed or increased the staff of your real estate department?

    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, good morning, guys.

    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, thanks. A couple of follow-ups. I'm curious what's baked into guidance on utilization, you know, given the extent of the use instrument kind of commentary before. What are you kind of modeling for utilization for 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
 
There are come back.

    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, judging by the activity in our treasury area, these are all the relationships for the most part. A lot of it is the leftover from the PPP loans. We picked up close to 500 new customers. As we bring them in, it -- those are pretty sticky. Those are all full relationship. So, Tim, your thoughts?

    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. And thank you for taking my questions. My first question is related to retirement in general. I think in your 10-K, you indicated that the spread compression in your full-service business is a key headwind to earnings for retirement.
Just looking back the past couple of years or at least the past several quarters in terms of the interest rate headwind that you highlighted, how should we think about the portion of spread compressions in full service versus that in the IIP business?

    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 I mean, I don't have to tell you, I mean, there's plenty of literature out there and a lot of people reporting on it. Our month of January is probably our highest in the entire pandemic period. The question will depend on how quickly that declines. There is an expected decline. I would tell you that today we will have similar results, if not better, in our Funeral Home Products for the 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
 
Thank you and good afternoon, Curt.

    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. Thanks for the extra detail on the underground development at Flame & Moth and Bermingham. It kind of sounds like that you're going to be able to seamlessly transition right into Bermingham and Flame & Moth? Or do you anticipate that there might be a break there where the mill might be idle for more than a couple of weeks?

    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 we look at it the same way. It's an LTV-to-CAC question. We have plenty of daily fantasy customers in Canada, and we don't see really any differences between their spend levels and the customers that we have in the U.S. So I don't really have any reason to believe it's different.
The interesting thing about Canada is that most major operators around the world have been in Canada for quite some time. So it's a little bit different than new U.S. states where they're opening up. And in some ways, I think we have to focus on taking customers that have already been playing as much as trying to convert new customers, which is why we projected a lower long-term market share for Canada than we have for the U.S.
One thing I wanted just on your previous question note as well that occurred to me after I answered. A lot of pay-per-views that distribute through multiple platforms, they actually have in their contracts with the platforms they distribute on that no one can give away for free or even under a certain price because it undermines the other platforms, they would say, why would anyone pay to -- for a pay-per-view online platform if they're getting it free elsewhere. Very common in the media industry. There's lots of things like this.
MFNs are a very common thing and also restrictions on what you can and can't sell things for very common. So that's something we would have to work around unless we had exclusive rights to distribute a pay-per-view. 

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