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
 
No, not necessarily. But that's a great question as you talk -- as you think through that. So, the thing is, with mortgage, so our gain on sale did decline from 4.34% to 3.95%. So about a 39 basis point decline. I don't know that -- I don't anticipate another 39 basis point decline by any means. But one thing that I did want to add on to that you touched on there was the expense side, and our production was actually very stable. And so, even though the production was stable and the units were stable, you saw kind of those expenses remain pretty stable, even absorbing the cyclical kind of first quarter payroll taxes, but that's really based on production. And so, when the gain on sale went down, our revenue went down, but our expenses kind of stayed the same. So, seeing that gain on sale move back up will certainly help that and then -- or stabilize or move up will help that. But then also, as production comes down, we've worked really hard in the mortgage group, they're very cognizant of their variable costs, which are about 75% to 80% of total cost. So, as the production starts falling down, as the production starts going down, that's when you'll see the shift in costs.

    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 it's comprising of not only Cable but it's Video, Cable, like, all categories of revenue and all value streams, it's up year-over-year and quarter-over-quarter. And, as I also mentioned, 80% to 90% does convert in one year. So we are feeling pretty good about the year, how this whole deferred revenue is going to shape up and convert to revenue. And I think, yes, the question really was for SES, which we discussed, it tapers off later after H1, but I think we have a strong backlog, we should get back to what year book we guided for.

    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
 
Great. Congrats, Mary. Just on the -- a couple of quick ones. First one, just on the tenant health, I think the commentary suggests that you're feeling a lot better about sort of tenant health in the portfolio.
Maybe can you talk about the 5% of tenants that were on cash basis at the end of the year, maybe what collections you're looking like there? And what assumptions do you bake into guidance in terms of collections for those tenants? 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
 
Yeah. So it will be about 150 megawatts, it will be a non-emitting resource may include batteries as well. And so at this point in time, we're focused on picking the independent evaluator, that's just kicked off. As Maria just said, it could take many months to accomplish that. And so in the meantime, we're evaluating what our options are for the RFP. We will bid the benchmark resource into that campaign.

    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'll have to get back to you because I just don't have that in front of me, Steve. I don't have them both broken out.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Well, I think that that as jurisdictions around the world, really begin to understand the pricing mechanisms for the carbon intensity of industrial activity. Lots of opportunities will open up -- excuse me, around the world. Of course, Europe is leading, that is as oftentimes they have historically, and reducing remarkable opportunity in the industrial adjacencies. You've heard us talk about steel, demand, line, chemicals, sugar, frankly any one of those markets, and frankly even getting one of those customers in those markets.
Like you've heard me reference previously, a single steel company in Europe consumes as much coal as the equivalent wood pellet market as it existed for the industrial generation of power and heat existed few years ago. So you've got not just sort of step functions in market growth and potential, but as industries look at decarbonization, we're obviously very happy with the test cargos that have been successfully processed for a number of utility or potential industrial customers around the world. We generally tend to see a really robust market in those areas of industry that are very, very difficult to decarbonize. And so tremendous opportunity, again, multiple segments, multiple customers at scale that differently dwarf in industrial wood pellet market as it stands today.

    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
 
That's correct.

    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
 
The majority of the repricing within that category, Steve, took place in 2020 -- excuse me, when rates were coming down quite precipitously. So, there's not been any repricing in the money market or now or savings account categories.

    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, Paul, so -- I think right now, it's a single commissioner who has expressed her point of view with respect to that Solana respect and I agree again strongly. If you go back to the time that that contract was entered into, there was a big debate about solar thermal versus solar photovoltaic, where is the future of it, that the importance of the capacity value in the molten salt storage for us and we had a very different natural gas price profile. And so it is -- to look today and go back that far and say that this was imprudent and it's a PPA, it's a purchase power agreement, it's not an item that's in our rate base and it was done consistent with the commission direction at the time. So the commission at the time were very, very excited, very much pushing to have that project move forward. And so understand the Chairwoman Marquez Peterson's viewpoint on that, we will continue to share our perspective on it, but it's clear to me that that was prudent when it was entered into at the time, it was consistent with the standards that we had at the time and I don't know from a legal basis how you could go back now and say that there is an issue that we should be accountable for on 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
 
Yes, Scott. I think just looking back real quickly. I mean 2020 was the first year that we had a full year over 10%, which we had talked about a few years ago as kind of being our target. I think we're pretty happy getting into the second quarter of this year and being ahead of 11%. We usually have a lower first quarter as we saw as a result of payroll taxes and the like that reset. So we're seeing some relief there, additional incremental leverage off of our clinical business.
So adding Armada is definitely going to help from a margin perspective in Q3 to help offset a little bit of what we'll see from the headwind in the Illinois minimum wage increase in Chicago. If they're able to pull forward the statewide increase to November 1, I think we'll see a nice impact in Q4. I think as you guys are aware, typically, with that increase, we see $20-plus million in new revenue statewide, with corresponding cost, but a nice margin attached to it. So I think our thought process looking at the full year of 2021 compared to 2020, we definitely see ourselves coming in with a higher bottom line margin percentage than we saw last year on continued growth and continued expansion.
So with our strategy that we have of adding clinical services where it makes sense strategically, continue to grow and get leverage off of our G&A, I think we would expect to see continued expansion on that bottom line as well into the future.

    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
 
That is incorrect. We and we always underwrite our land at current pricing. And we try to think about underwriting our land at normal absorptions. So we do not see -- we do not underwrite land assuming that there's going to be an ceiling raise, and we don't underwrite land assuming that prices are going to be appreciating from here. That's really the discipline. Now I can't speak for everyone, but that's our focus right now. We're moving further out we're buying bigger deals where we can leverage costs, but our focus is to stay below current FHA limits on buying new land. It's just an additional layer conservancy that we have

    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 there is a variety of discussions going on globally. IATA has been working on this. Ultimately, one of the important building blocks that isn't in place consistency is government authorities need to set the policy standards. And that has been a moving target and jurisdictions, including here in Hawai'i continue to have different requirements. And so that makes some of that evolution challenging and creates an environment where it's difficult for the private sector providers to really know what product they're building.
Here in Hawai'i there have been a couple of pilot projects including ones with we've been participating with common pass and clear to develop a digital authentication platform with the Safe Travels policies embedded in that. Those developments are ongoing and we're continuing to work on those, but I don't have ability to tell you today when that is going to be in place and how it's going to be. I think it does go to the notion for as long as we do have either texting -- testing requirements or vaccines proof as an alternative to that having some way to electronically validate that is helpful to the guest experience in terms of processing people when they get in the airport. So we certainly encourage that and want to participate in it in any way we can. But we don't control the entire infrastructure.

    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, I think first of all, I just got to say, our retail team has done a phenomenal job of navigating through this. And I mean there's a lot of issues at play, certainly, the convenience of shopping and eating in the same location has resonated, but they've also just been able to have the kind of assortment, do the fun and unique, some nostalgia great value. But it's like America wants to have fun, and we had the product there that help them do it, and I think all of that really helped our sales. In addition that then -- the full price sales helped our margins. I think that the team has had learnings through this. One of them. I mentioned, in my prepared remarks, like men's assortment. We've been able to see improvements there and then add on to that. I think they've also seen how this -- how the visual merchandising with less product potentially has allowed the guests to see the product better. So going forward, we believe we will be get some long-term benefits about how much inventory we need to generate the sales. So certainly, there has been some impact of the stimulus and the savings. But I think sales, the retail team has done an excellent job of capturing that opportunity, and in learning from it and we'll be translating some of those learnings going forward.

    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
 
Eric, good to talk to you. I do expect that this will eventually move to the U.S., where the things end up paying their fair share to news creators. I do expect that local broadcast stations like ours will be at the table, developing those relationships, and I think you'll see us at Scripps play an active role in those conversations.

    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 there's always opportunities. But I think the key thing now is they're trying -- Enbridge is trying to understand what the rules are, right, to how they agree on what it is. So in the future, certainly to have a joint rate. But I think near term, getting it there and having a rate across, I think we take this uncertainty where the barrels will end. We've had discussions with all the longer-term carriers. But I think the uncertainty of what the structure looks like and what they can offer is precient relative to adding additional joint tariffs with third-party.

    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 Daryl answer that, but I believe that's directionally correct.

    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, you're absolutely right. Many times, they can't procure other components. And that's why we monitor that very carefully. We don't want to ship whatever the customer asks for because, then, all it's going to do is sit in their inventory, because they can't get other components and then we've lost our ability to serve other customers.
So -- but surprisingly, the customers have been extremely cooperative. We are telling them, OK, we will definitely make sure you'll get the parts you need, but please don't build inventory. And so, what we are doing is, we are managing it on a daily basis, on a weekly basis, which is a lot of hard work. But I believe that's the only way to manage it, so that all customers are taken care of.
And I think they understand that. And we have been very successful in making sure that this upswing surge has been served well for our customers. In fact, many customers have told us that. They've had more challenges with other IT companies than with us. They say, we are the best supplier. But it takes a lot of work to do that. And we will continue to do that, at least through Q1.

    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
 
Martin, just -- this is Richard here. I can add one more element here. So not all of our customers break out which Bluetooth chips are shipping for which applications, but we do have customers, for instance, BES Technic in China who previously we've seen has about 30% of the non-Apple earbud market today. So with guys like BES Technic, Beken and so on, we have some very strong prominent players in the business.
But, as I said, in some cases, they're shipping many different types of chips and different end sockets, they don't actually break out what the end application is in most cases. So, guys like BES Technic is a very good indicator of our presence in the market, but I don't think it's possible to actually break out the units, just the TWS versus other.

    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 would characterize it more as not providing a cap on margins. We do see opportunities for us to expand margins over-time. And with this long-term financial model, we're giving you the more clarity and specific details about how we're going to deliver mid-teens earnings growth over time. There's no change in terms of how we're approaching margins, we will continue to drive it very actively.

    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. Thank you. I wonder if I could just follow-up, Jason, on your comment about the geographic diversification. How much of that, if any, is related to some of the unrest in Belarus over the last kind of year, year and a half? And can you just remind us about how a new facility or how it ramps? What is the typical trajectory of gross margin as you ramp a new geography?

    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 think what I would say is that, as we talked about before, Julian, metal cutting is more labor-intensive, which is one of the reasons why we're so focused on modernizing the factories. We're less dependent on labor today than we were before. But you still need more volume to run through those factories and they have a larger sales expense. So we would expect that metal cutting margins will overtake the infrastructure margins by the time we get to the end of the year based on our current volumes. You'd add to that, Damon?

    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
 
Look, they both work and both models, I think, are needed. When markets are perfect, and pricing is extremely tight, the Freddie Mac model of having a larger pool of assets to be securitized with private capital taking the B piece risk is a model that has shown over time to be very, very price effective and a very, very good business model. The flip side to it is that when times are bad and people want to look through to who's originating the loan and securitizing the loan and who's holding the risk, the Fannie Mae DUS model has proven to be extremely helpful and good. I'm a big believer in the originator retaining the risk on loans. I think it aligns interest exceptionally well. And as you have seen over our 30-plus years as a Fannie Mae DUS lender, we love that business model. We like taking the risk. We like holding the risk. I'm a big fan of that. But at the same time, I would also say that it's very clear that since Freddie Mac launched the K model back in 2009 that, that has functioned exceptionally well, 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
 
Thank you. Good morning everybody. You guys mentioned the impact on the end of the payment plans and the pandemic on retention and growth in the quarter. I guess is there, I guess, Part A of this is, is there any way to quantify that? And what I want to get at is, if so, how much of -- given that the EA is still the bulk of your business, how much of -- was there a drag on retention because of things that you're doing with commissions and emphasis on direct and everything else that's going on? So can we quantify that impact, one? And then how much of an impact if everything else was on retention?

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