michelcarroll/llama2-earnings-stock-prediction-fine-tune huggingface dataset:
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. But no, I don't think we're taking longer term. I think we were pretty clear on that. But these three businesses are really high value business, well-performing in the market.
But the only thing we said that we are not going to have any fire sales here or any COVID discount on these businesses. So we're going to make sure that we get full paid for them. And the first one, which has been extremely resilient in the downturn that's still performing fantastically during the whole COVID that is the Dodge business that's why we say that that is probably the first one that we -- and we have actually started the process. We should be doing that during the first half year, somewhere there.
There is, of course, separation work that needs to be done and takes a little bit of time, and we need, of course, our support from the advisors also to move it. But there is a big interest for this business and we start. The second one will probably interpret charging which is also a very strong business, even though they have some effect from the service business, which is 75% of that business, a lot in the cruising industry, where they have a lot of turbo on the engines, on the vessel engines. That's been hampered a little bit.
So we want to see that business coming back a little bit. So that business will be fully valued. Then we don't really know if that is going to be spin-off or if we do sales of that one. That's a later decision that we will take.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah. I think if you run a little bit of math, we highlighted the contribution to the quarter which implies it was a little bit above that level. So we're a little bit ahead of the game, but within the range of what we are planning for. Part of that was and I think it was actually just in Wade's script.
It wasn't in the release. We did a pretty good job getting on those wells that were shut down and I think our ops manager, she would tell you that we're getting everything done that we hope to get done by this time, maybe a little bit in front of that. So that's been part of it. It's also going really well and according to plan.
Again, a little bit ahead of where we would have been. But --

    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
 
Joe, honestly it's been a big area of focus for us for many years. I'll come back to something we haven't talked about a lot today, which is the membership within Target Circle, the fact that we now have 90 million members in Target Circle, which gives us an understanding of their needs, their wants, how they're shopping, new categories and new items we can introduce them to, so we're going to continue to make sure we leverage Target Circle to build deeper relationships, introduce that guest to new categories, new fulfillment options, and over time we think that's a very valuable asset that will continue to drive growth, help us build market share, and continue the momentum that we established in 2020.

    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 understand the large screens are gaining a larger share of revenue, but I wonder if the degree to which that over-indexing is taking place right now is greater than it was earlier.

    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. Good morning, Steve.

    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 I have that.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Well, every acquisition here fights for the best use of the next dollar of capital, but I have to tell you, maybe unique to our firm because of the areas that we focus on within the government space, that the opportunity to make acquisitions there and get a return are just as equal to some of the opportunities in the commercial marketplace. So I don't put one above or below the other. That's not typical for all firms, but because of how highly specialized ECS is here, the growth rates they are able to get, margin rates are pretty comparable to what's going on in the commercial consulting space in the accounts and areas that we traffic. So they're both highly desirable. And we're pursuing both. We're developing pipeline in both areas. And we'll have to watch and see how that develops here as we get into the first half 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. That quarterly number will come out and indicate, which will fall in February. So I don't want to get ahead of the case.

    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 in terms of the credit expansion, it's probably more heavily impacting new accounts, but also encompasses sort of our line increase and other criteria on the portfolio side as well. In terms of where we expect? I would say, in all times we give cards to consumers who are in good shape. But we do have particularly strong appeal to millennials and students, our secured card is performing well in the marketplace. But then also the traditional prime revolver segment that Discover has always targeted. It's a very competitive business. It always has been. So, it's about differentiation. And there, a superior customer experience, a great rewards program, focus on value, those traditional things are what allow us to continue gaining share and booking new accounts.

    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
 
Look, I do think in time, there is a market there. The big question is you hit the nail on the head there, Ron, it's the applicability. A lessor wants an asset that can be transitioned among customers around the globe. If an asset is uniquely configured for a specific mission, to reconfigure a low-value asset and move it to another part of the globe, maybe from Canada to Jakarta, that's what you need to be able to do for a lessor's product to work. But I do think that the electric-powered vehicles are coming. I think that's a given. The time frame and to what the missions will be and as to whether or not they can be commercially sized to aircraft that can carry humans. That's another matter altogether.

    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 wanted to follow up on capital return and the buyback. Last quarter, you said a target or indicative target, how much you wanted to buy back during the quarter, but we've got no such repeat today. I noticed in your AGM documents that the $2 billion accrual actually relates to the 2020 distribution. So I was wondering whether you have to run through that full $2 billion before you're really thinking about it being a 2021 distribution on the buyback? And if so, why we're not discussing an extension of that $1 billion a quarter run rate? And then second, I wanted to go further into NII. You've mentioned that the loan spreads were good again in the quarter. I just want to understand how much lending revenues are you adding Q-on-Q? And how far could we extrapolate that through the rest of the year? You said NII clearly up into 2Q, but would you expect that again in 3Q, 4Q and beyond. And as such, is this now a time to think about NII growth from this $1 billion a quarter run rate?

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. So in the fourth quarter, we did see an increase in customer acquisition costs. As we mentioned, there were some headwinds there in terms of competition within the digital marketing front. And then I think, as you see the year unfold, my expectation would be, initially, you may see those costs go up because a lot of the marketing that we do, particularly on the brand side, is more longer-term marketing. And so you take the expense immediately, but the benefits pay out over time. So we would expect to see some increases on that front. And then I hope to see those increases moderate and go in a positive direction for us as things unfold and as consumers really embrace a back-to-normal lifestyle and the reopening and the remodel.

    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, Doug.

    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, John.

    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, happy to, Suraj. So as it relates to your first question on PO to rev rec, I would say we continue to make really solid progress operationally. We highlighted here on this call that even in the midst of the pandemic, we achieved in Q4 the fastest installation yet that the company has had at 39 working days. We put that out there just kind of as an anecdote of the progress that we're making.
At the same time, I would tell you that pandemic has been probably most nettlesome to us in terms of our ability to get into certain countries. And therefore, hospitals to do the desired installation work. So that's not helpful as it relates to that overall time frame. But where we have control, we're just getting better and better on that front.
Suraj, remind me the second part of your question, please?

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. So inflation has interesting dynamics that we're watching in the business. Actually, inflation on sorted office paper pricing would be a benefit for us because, as you can see, the dynamic in recycled paper is a price times volume dynamic, so we would get more for the paper. In terms of inflation across other aspects, we're predominantly a service industry, so It's fueled, though that's a very modest part of our overall spend and some materials which we have good contracts in place, but we're monitoring. So we're watching the inflation dynamics going on, but we also have low interest rates, too. That is the other side of the whole economic dynamic that I think will benefit from. So sorted office paper pricing going up would be an upside for us.

    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. Very, very, very modestly. We track move-outs of customers who did and did not receive rate increase notices. And as you could tell by our occupancy, the customers are not very price sensitive and those are -- who are, we're able to backfill very, very quickly.

    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
 
[Speech Overlap] compound annual growth rate has been for the last 45 years, but I won't.

    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
 
Let's say for April, our spot occupancy at the end of April, or I'm sorry, the occupancy was 71.8.

    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. No worries. Good question. So as we talked about in our second quarter call, we made pretty considerable investments and the largest ones we've ever made from a starting rate perspective, getting our average hourly rate well over $15 an hour.
And we did that because it was such a tough labor market throughout the first and second quarter for us. We are in pretty good shape as we sit here today. Those investments have paid dividends. The market has arguably gotten a little bit easier, although probably not a lot easier in my estimation.
And I think we're in pretty good shape to service our members through the fourth quarter. We'll continue to keep an eye on it because it's been such a dynamic market in the past few quarters. I've sort of stopped trying to predict how it will work out. We just focused on doing the right thing for our team members.
They are out there every day, trying to do the right thing for our members and we do our best to take care of both of those important populations.

    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
 
We take this very, very seriously and have established aggressive year-over-year targets for COGS efficiencies on existing products. We're very confident that if you look at like-for-like bills of materials that are robots are not more expensive to build. Our robots do include componentry that our competition chooses not to invest in and that may include silicon parts with different commitments to security or reliability.
We put a lot of investment into sensing on the robot to ensure that the robot less frequently get stuck and can do a better job cleaning. So it's -- this is not a every robot is created equal. It's a situation where we make targeted investments in customer experience as we select what goes into one of our products. But to your question about manufacturing costs, we have very explicit opportunities every year for substantial improvements in COGS on our existing products.

    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, Steve again. So last year of our hotel book, which was about $540 million, we did downgrade and criticize a little over 50% of that book. So we thought that was the correct action at that time. And as you've read, we've seen improvement there and we have upgraded some of that exposure here in the second quarter. So the percent of criticized assets in the hotel book has been reduced down to 39%. So all of those borrowers are paying -- all but 44 million [Phonetic] are paying their original contractual payments. The remaining of the 44 million [Phonetic], which represents four or five properties are paying interest only. So the book really has held up and rebounded from where we thought we were back in kind of the second quarter of last year. Occupancies continue to kind of trend upward. About a third of our book is leisure. So at the Jersey Shore or Delaware beaches you cannot get a room at this time of year with those location. So very, very, very strong occupancy at the leisure hotel. The business travel is coming back. Occupancies have continued to increase. I don't have specifics, but I can share anecdotally one borrower that we spoke to just this week has 15 properties, all business focused. And his current occupancies are approaching 70%. So anecdotally, that's one example of just the positive trend we're seeing kind of across that entire portfolio.

    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 for the costs that I identified were kind of the stabilization that step-up costs as we move from a system that we've been utilizing for the better part of three decades. We certainly needed to train and help our people move forward with that. So they were incremental costs especially incurred in Q2 and Q3 this year. That project is relatively stable going forward. The customers seem to really like it. And we will have ongoing costs associated with the depreciation of that property. But these ramp-up costs that we experienced early in this year will dissipate and go away by year-end.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
It's good question, Tayo. I think it -- consistent with what we've said in prior quarters. Virginia is a good market, but supply and demand there is more on the supply side and has been for a few years, although pricing there has stabilized. But it's -- we had -- it was one of our top three markets, as Steve said, but it's still a very competitive market. The New Jersey market has improved, primarily, I think, because of the financials and moving out of enterprise data centers. And frankly, we're seeing sort of the same thing in Chicago, with more enterprises looking to move out of their data centers, so -- and L.A. and Santa Clara continue to be strong markets for us as well.

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

    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. 

    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
 
There really isn't any new news on that to report at this stage. These things take a while to work through, I guess, the legal route. But, there isn't anything. As soon as there is, obviously, we'll share it with you.

    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 said acquisitions, I think you meant dispositions?

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