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
 
It's the right way to think about it. Probably more than half in the fourth quarter. We've already had really noticeable activity on forgiveness here in the month of October. And so I think that's a good way to frame it. I also think that remembering that they won't all necessarily go away in just the first couple of quarters of the year. There are going to be those stray assets out there that will probably get into just an amortizing 1% loan. So, some of those will go a little bit longer. I don't think that will be a huge group for us but a little bit longer. But you'll probably see a little bit of "PPP" forgiveness and fee benefit in the first couple of quarters of the year. And then I think it would taper off to the point where it clearly will not be material to the outcome.

    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 you hit the nail on the head, Damon. I mean, the -- there is a couple of different -- obviously many different factors that fit into your CECL calculations apparently. One of the biggest is what your loss history is and as we have more and more quarters without loss history, with no losses or relatively low losses, obviously that, all other things being equal, going to result in lower provision expense. But hopefully, we'll have some loan growth that could require provision expense going forward. My guess is we wouldn't expect to see allowance to total loans, that ratio a lot lower than it is right now. Would you agree with that, Rex?

    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 it's a mix of both. I think you pointed out to the components. I think we expect going forward that the contribution of APS operating at -- based on performance, we have improved our performance significantly in that -- in this, we are increasing back the digital as a component of this going forward. We expect the contribution of this maintaining APS performance to the level that we have seen in last few quarters. We divested some investment in APS as well that has helped us improve the margin of APS. And the future growth and expected growth and margin accretion from digital will combine to maintain this at the level that I mentioned here, the high 20's or 30'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
 
I lost you somewhere.

    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
 
Can you repeat it? Can we expect -- sorry, we didn't get it. Can -- what was the question?

    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 there's a few things to unpack there. Number one, you can see the sequential improvement from the -- where we bottomed out in Q2 at that just over $200 and then exiting at $256. We see that continuing through 2021 as full price remains strong. To your point, we do see some pressure from the lower price point units. And also there's a component of lower units per order. And the other thing to keep in mind on this AOV is that it is a gross metric. So even though the AOV is declining, if you look at that on a net basis, it's actually up year-on-year. And that's due in part to the meaningfully reduced return rate.
So as mix has shifted from our largest category historically of dresses into those lower price points, those lower price points have much lower return rates. So net-net, at the end of the day, we're at a higher net AOV. So as we exit into the post-pandemic world, we do expect mix to shift back into those historically strong categories like dresses, which will likely come with a higher return rate and a higher AOV.

    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
 
Looks like we have another call coming in from the line of Paul Patterson [Phonetic]. Paul, we're opening up your line now.

    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, it was all last year. Last year set us back-set the program's back, but no, not-none this year thus far.

    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, they did, Subash. So I think early in the second quarter, we were seeing such strong, although backwardated NGL prices, we pinched ourselves a little bit, and we weren't used to such high prices. So we said let's make sure this doesn't go away. So we did put in hedges for second and third quarter. And in hindsight, you can see, well, we got the security, but it was, that's what happens when you hedge in a backwardated curve and the prices stay flat or increase. So that was our decision then. But again, a shout out to our commodities group, both on the liquid side and on the gas side. So we are wide open beginning October one and for NGLs for fourth quarter, next year and beyond, so we can capitalize on the NGL prices and the good fundamentals outlook that David Cannelongo described. And then just to touch on the gas side, I know you didn't ask that. But our last hedging on the gas side was 16 months ago or so as we were in the beginnings of the COVID crisis and going into borrowing base season. So we hedged out some, and that was one of the things that a lot of people did during that time. But haven't hedged any natural gas and have unwound some, and unwound some liquids as well. So a reflection that we're bullish on both product streams.

    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
 
What, Chris, you know, offhand what Shaw is?

    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 question. We're hopeful that it will be larger Q3 than Q2. We don't want to go out on a limb and say that. Obviously the risk, as you get further in the time here, as you take more input costs risk in determining that profitability as you stretch the model out, but yes, we think that Q3 can be a quite better than Q2, as long as input costs don't go up more than we're expecting.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
It's really a mix bag. We are on the retail side, for sure, but you know, we also have the new distributor we press released a couple months ago, SanMar, who's moving our product through the branded merchandise, you know, customers of theirs, the 22,000 customers of theirs. We also have the [Inaudible] product, which is kind of a crossover between fashion, healthcare, and CI that I believe UniFirst and others have announced that they're adopting as their fashion product for the institutional healthcare side of the business. So it's a very mixed bag.
It really is going to come from both of them.

    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. Hi. Good morning, everyone.

    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, Linda, so on the share repurchase front, you know, we are just backing up to just cash overall and our priorities. Our cash priorities, as we look forward, are really focused on our strategic imperatives and strategic extensions, supporting Keys Soulcare and also supporting W3LL PEOPLE. From an acquisition standpoint, you know, we have been very thoughtful on that front with W3LL PEOPLE being our first acquisition last year. It's something that, you know, kind of -- it's on our priority list but feel that we are -- our hands are full at this point with Keys and W3LL PEOPLE.

    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, Phil. It's Steve. We have a long-term commitment here to a balanced approach to capital allocation, and I think it proves itself out quarter-to-quarter. And we take those decisions as we see them in front of us relative to our strategies. So there are times when we're putting capital to work in a more intensive way like we're finishing up this year with Kalamazoo investment. There are times where the M&A is timely and the right thing to do. We put that to work. There are times where we've been dislocated. We believe from a share price perspective and we bought back the company. in pretty material ways. And then obviously, we've returned some value to shareholders in the form of the dividend. So it's an always for us. We do know that this year, we'll probably be -- we'll be in the three times to 3.5 times range. We're probably on the higher end of that with everything that we've brought forward this year. But our confidence in the cash flow generation moving into 2022 is very high, which gives us the ability to speak with confidence around getting the leverage ratio back into the kind of long term two to -- 2.5 times to three times over time.

    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 for taking the follow-up. Just one question on MTS Bank. So if you look at the number of the customers during 2020, obviously, there was no big increase in that number, and we haven't seen any visible impact on the improving number of the existing customers in MTS Bank. So can you please share with us your plans or maybe whether this number of, kind of, unstable number of the customers is a concern for you and you want to accelerate customer acquisitions this year? So you mentioned plans to launch and use Fintech products and also provide an indication that the Bank might require additional capitalization. So are these things connected with each other? So the main idea is actually to derive the number of the new customers to the Bank. 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
 
Yes. We're just going to remain noncommittal on what the buybacks and for that matter, the other 40% can go to. I mean, the disposal proceeds and the other 40% of free cash flow because, yes, we'll deal with that as it occurs. It could go to balance sheet strengthening.
It could go to more buybacks. It could raise the dividend quicker. We've got a number of things on the horizon with Egypt modernization also occurring. So we've got a lot of things still ahead of us here. 

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thanks. Patrick, I know you highlighted the headwind from a weaker dollar in the quarter. How does that impact going forward kind of where you hedge given that the dollar has depreciated a fair amount here?

    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
 
I think we're in a really good position to commercialize the product. And at this point, anything to share specifically with respect to dealings with other companies.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Right now, International is accounting for about 80% of the new unit growth this year. We think that that is about the ratio and we're looking for on an ongoing basis. We have a lot of white space globally. We operate in almost, right around 50 countries where our largest competitors are in over 100 countries. So we think that global unit development will be the biggest driver of our overall unit development but domestic development is absolutely accelerating, primarily with our franchisees, but we're also building some restaurants. We're going to open up some of our first company restaurants and a long time here in Q3 and we're excited about leveraging that strategy to give our franchisees insights into how they can fill in their markets in a productive and profitable way.

    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. Thanks for taking my question. The first on is just on, if we look at refining and the capture rates there, any color you could share just on the impact of RINs, whether it's just kind of the ongoing expense fact or some kind of mark-to-market, obviously, RIN is going up 4Q over 3Q, I'm sure impacted the capture rates there. And then what is your view about where RINs will go, I feel like we're getting the question a lot, do you think as renewable diesel starts up, we start to see RINs prices dissipate later this year and into 22?

    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. So I'd take a step back and say how do we think about capital allocation for the business, Doug. And I would start with first of all, we've got to invest in the advantaged projects that we have, that earn very strong returns. And that's from Guyana to things like biofuels and the Strathcona project, right? Obviously, we've been very focused on maintaining a strong dividend.
I think the company did a great job, as it went through the pandemic, really protecting that dividend. And that's a priority for us. And we've got to have a strong balance sheet, and you've seen our focus over the course of this year in strengthening the balance sheet. In this quarter, we reduced debt by about 4 billion.
After we consider those priorities, if we've got available cash, we will then look to distribute that to shareholders. And you've obviously seen that in the buyback announcement that we had. I think it's important also to just recognize that the company looks to have a balanced approach and maintain flexibility. You would have seen the company reduce its capital spending pretty significantly, in part to protect the dividend as the pandemic was ensuing.
And so we do have flexibility as we think about capital allocation, but those are our priorities. Obviously, share repurchase programs are an efficient way to distribute capital to shareholders, but that's how we think about it.

    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. Thank you, Bob. First, on the hip and knee, what we're seeing is really a gradual increase. We've seen it throughout the year of a return of elective procedures. These are deferrable procedures that need to be done at some point. And yes, with the Delta variant, you're starting to see pockets of disruption. But overall, the hospitals are very capable of being able to deal with this. And we're seeing in markets like Latin America and other markets, the situation is actually improving. So overall, we know there's going to be some disruption. That is baked into our guidance, but we believe, with the momentum that we have across not only our implant business, but as well as our capital businesses, we feel pretty confident enough to raise the bottom end of our full year sales guidance.
As it relates to Neurovascular, if you look at that business, we had an outstanding first quarter, it was around 27%. So this is 30%. So it's not really a huge acceleration. I would say we really have a great product cycle going on right now across flow-diverting stents, ischemic stroke, our hemorrhagic coils, our aspiration catheters. So we really have the bases covered, and we're having fantastic growth really globally, including terrific performances in Asia Pacific. So I do expect that we'll continue to have very strong performance throughout the rest 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
 
Yes, OK for us. One of our strengths in supply chain quite honestly in most times. And we have plus or minus small and medium-sized businesses that we have, we don't cover alliance on one big material that could really cripple us if you will. We have good diversity that said, when we have, when at a macroeconomic level we have broad scale supply chain challenges. We have a lot of different component parts it fall prey to disruption somewhere 1, 2, 3 steps upstream in the supply chain process. If you look at specifically component parts that relate to see the couple of examples.

    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 would say that we do see higher consumer interest in spending on food. I think that's benefited a couple of our businesses. Prepared Foods is one, Beef is another. Just very, very strong demand. And again, our flexibility from retail to foodservice is going to allow us to step-in and meet consumers wherever they are.
Some of the costs that we incur, we can happily pass along to customers, some we can't. And we do see rising input costs there. But we're very, very well-positioned with the portfolio to meet consumers where they are and make sure that we're able to take care of them.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. I would like to first just highlight that we've had a strong track record of returning capital to our shareholders, and that will remain one of our top priorities. Now although as you pointed out, we do have a healthy cash position. There are still uncertainties that remain due to the emergence of delta variant and then the potential impact that could surge in the back half of the year. So with that said, I think the approach -- we'll have more details for you next quarter. But the approach is going to be balancing between the use of such reinvestments in the business, technology, innovation and returning capital to shareholders. It's a holistic approach that we will take. Again, I'm not answering your question specifically, and we'll have more details in the next quarter, but that's going to be our approach going forward.

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