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 if you look at the damage done by the pandemic, there are going to be certain fundamental negative impacts on many businesses and industries, many of which we would have thought would have entered into a restructuring in April, May, June, July, etc. of 2020. And for a variety of reasons, a lot having to do with government interventions and stimulus, which in certain cases have postponed potentially the inevitable. In certain cases, companies probably will survive and do well. But we always look at it as does the business plan that you have will it succeed in the go forward world, and if it won't, it's just a matter of time when eventually it will hit the wall. If on the other hand, the business plan can evolve and succeed in today's new world, whether it's because of the pandemic, because of its ongoing technology disruptors and relatively amount of debt you have and interest rates, that's what feeds our restructuring business. So to your specific question, we do think there is another wave, not necessarily the same size that we saw six, nine, 12 months ago, but there is still companies out there that we believe have some trouble ahead, they've just been able to at least kick the can down the road and we'll see how long that will last.

    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, I think, listen, I think location is going to be one and then content demand and the amount of capital going to content markets. I mean, Jamie. You know it's out there. It's in every single headline, I mean, it's by any estimation, it's over $100 billion for the upcoming year and it's going to be that on multiple bases for many years to come. There will be, in our opinion, some supply issues as time goes by. Based on, some contraction or consolidation of the business. But there hasn't been new studios built-in a year's. As in our prepared remarks, here in Los Angeles, our studio will be the first completed and it's going to be the first into 20 years. And so there is some room and there is room in the markets that we believe are the ones that are going to be the stickiest that we've talked about for several, several years on this. It's getting more headlines because obviously it's become a space that people are now interested in.

    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 thanks for that question. And we had this dialogue going on now for a couple of years Alex as you know, this company has been successful for a long time leading with its organic growth strategies and expansion markets right now. Those expansion markets are in New England. But we've always said that, if we were to meet a complementary partner who would help advance and accelerate our strategic plans in those expansion markets that we'd like to form a partnership there. And it's a function of cultural alignment. It's a function of integration ease. It's a function of how on a contiguous basis we can accelerate our expansion. Scott said it earlier, we have lots of optionality right now plenty of capital. There is activity across our markets as you suggest. And I would suspect that some of those potential partners are slugging it out through their budget process right now and thinking about what their options are and thinking about whether scale could be a solution to what is a difficult interest rate environment for the next year and also thinking about what our technology platform might be able to add to their customer base. So those dialogues continue. They are in New England contiguously in Pennsylvania perhaps and Western New York State selectively. But like I said, we win on organic growth and we're not looking to do financial engineering. We're looking for long-term strategic value for our shareholders by doing a deal that accelerates what we otherwise would be doing on our own. So we'll see what happens. But we're in a good position to field all calls and make a lot of calls and we'll see where that takes us.

    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, James. Frank Frederickson here. And I'll take that question. And you are correct that we did receive full nominations through April, but I'd like to just share a little bit more about our guidance at that 35-million-ton level.
We're watching as we emerge from COVID and how our economy emerges in total, and there are certain sectors of the steel industry that are performing quite well. However, we're still seeing, overall, domestic production rates depending on the week, 5% to 10% below where they were at a pre-pandemic level. So as we look at that and we're waiting for that part of the steel industry to come up to that normal full production level north of an 80% utilization rate. Therein lies where we're looking at -- as we look at a total year of 2021, appropriately budgeting out at about a 35-million-ton level.

    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, Ryan, I don't know that seasonality will be different per se. Obviously, the year started off well and weather was relatively cooperative. In terms of not repeating, we've lapped now the expense reductions that we had last year, which began with -- really with the second quarter last year, things like travel and meeting expenses, some of the restraints on hiring, advertising expenses. So we won't have those operating expense benefits. But from a sales standpoint, nothing really different going forward from a seasonality view.

    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, Frank. I'll start with the latter as far as integration. It really was a pretty seamless integration.
We're almost fully integrated at this point. We -- before the deal, we spent a lot of time through the recording process really thinking through that. And so -- and most of the acquisition is -- revolves around the product and technology and the engineering side. And so that largely has been fully integrated.
Ajay is our CTO now, and he's normalized that team and sorted everything out, so you pretty much wouldn't even know the difference at this point if you were here in the office. As far as building up the sales team, we talked about the fact that we pared sales back earlier in the year given the lack of productivity and other challenges there, and we really had to do two things. We had to, one, get more products to sell that we thought would drive the performance -- financial performance that we wanted. And then secondarily, we wanted to build that back with a little bit of a different profile than what we had hired historically.
And so with the augment of Layer0 as well as some of the other things like EdgeXtend that we've launched, we have a really nice portfolio of things to sell, and we've been hiring accordingly. We've been averaging for, over Q3, about a hire a week for quota-carrying sales reps. And so the goal is really -- we decided we're having so much good success with that that we would accelerate that a little bit in this quarter, so that we can get the full year run rate of that capacity next year. So we're having pretty good success there.

    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, we do expect most of the revenue to take place in the fourth 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
 
Tiago, thank you. It's Glenn, and thank you for the question. So I'll take the first question on the GATHER1 trial and I'll ask Pravin to take the second question. Yes.
We believe the combination of GATHER1 and GATHER2 will be sufficient for a regulatory filing. I think as we have said in the past, and we've seen in our disclosures, we've had numerous conversations, informal conversations with the FDA that has given us comfort in our strategy with the two trials. So, yes, we're comfortable. And as I said today on completion of GATHER2 our intent is to analyze top-level data and if it's sufficient, we would file for regulatory approval.
Pravin?

    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. Thanks, guys. Curious when you look back on 2020, how many new customers were new to Target and how did that break down versus when you acquired them first half or second half, and is there anything you can share in terms of the patterns that you saw in terms of those gained in the first half, how did they spend in the second half, maybe talk about the frequency and spend in their purchases. Thanks.

    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, we'll look into that. And it's a very good point because while the disease is showing up correlating with age, it's clear that a -- early intervention is really most likely the most efficient way to intubate or inoculate this disease. And since our preclinical data indicates that potential, which was done very successfully in animals that we draw up the drugs before they got injected with a toxic a better load, and they never developed the symptoms of Alzheimer's disease. So, there is really high likelihood that we should -- or encouragement to also proceed, and we said and we committed to eventually do that with the appropriate -- in the appropriate time down the road.
So, we are committed to look into that what you described early on.

    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
 
Bill, you want to take that one?

    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, of course. Yes, indeed, Chad. As you recall, in the last earnings release, we have updated that we have conducted a strategic session to get it with our board and management gave recommendations and as to quite a few different domains in which we think we will get into a better position. And these domains are different based on what we want to achieve geographically.
U.S. has different requirements for organic growth, then, for example, Europe or Latin America or others. And so, we have mapped those into the different ones and yes, we are actively in the search process. There is nothing to report as of this point, but it's something that now we're way more active than we have been in the past after this preceding decision that we took.

    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
 
David, thank you so much.

    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 we're not suggesting that those three countries, for example, are better since the Analyst Day. What we're saying is, those are examples of countries, where the penetration is low and the growth rate is high. So those were really healthy growth rates significantly above the rest of the portfolio that's pulling it up. Now some of those are pretty small base by comparison like Korea and Australia will be pretty small compared to what's going on in Europe, etc., but nonetheless as those treatment rates increase in those countries, it certainly helps the growth rate.

    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
 
Sorry. Thank you, Justin. So, in terms of inventory, you know, the way we regard Auctions is it's an additional way to monetize the existing listings on the site. So, we've got, you know -- and this is a pretty good summary of the opportunity.
We've got 1.2 million products listed on the site. You know, we'll do less than 500 million in GMV this year, which leaves over $10 billion in face value terms of products, which now are able to be bought through an additional format. And, you know, when we look at the reasons why people don't buy, the predominant reason has to do with price, either a difficulty in doing price discovery or a belief that the price is too high. Auctions, obviously, address both.
So, we feel like we don't need a lot of new inventory for Auctions to have a meaningful GMV impact. That said, how sellers use Auctions as a tool remains to be seen, and it very well could pull in additional inventory. But it's not needed. In terms of generating demand, you know, again, one of the commercialization advantages we have in this product is that we already have the supply side.
We have the item. We have the buyer. The only thing that we're lacking is the format. So, again, I don't view demand as a bottleneck.
I think the biggest challenge we have in terms of commercialization is more about raising awareness among our buyers that we have this format, particularly since many of them have worked with us for over 20 years and have habituated to an environment that obviously doesn't have Auctions.

    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
 
Montage Healdsburg is obviously a leisure oriented luxury resort but also has a Group components, smaller group component. I would not take that acquisition as we are solely focused on resort acquisitions. We will continue to look at resort acquisitions. We're a long-term owner, Robert and the team have underwritten urban hotels, Group hotels, etc. And we will continue to.
Right now, resort is favored but that to at some point will change and I think in the not-so-distant future, we will see a recovery in Group and Transient. So we have taken a look at all types of hotels but we are not moving away at all from the desire or the direction of owning long term and I will stay.

    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, absolutely. Thanks, John. So we do believe it's transitory. And the example we'll give is one of the things we talked about last quarter is the balance that we've been seeing is faster. So when a new round of stimulus comes through, the recovery in pawn demand comes back quicker in each incremental time. And we saw that with the first kind of round of checks that came through on the pull forward and expansion of the Child Tax Credits, where we saw a little bit of a pullback and then a pretty quick bounce. With more of that coming, we expect to see some headwinds there. Obviously, with -- we're watching the delta variant closely and the impact that will have on our stores going forward.
But we expect all of that to be temporary or transitory, however you want to say it. And we do expect that, that growth is going to continue to be fairly linear. If you look at the growth that we saw throughout the quarter, we talked about hitting the low point in mid-April and then really starting to build from there. That growth continued through the latter part of April, through May, through June. And now, as Tim said, it's continued in July as well. So we're pretty happy to see what's going on there. The lag in PSC, we know how that story ends. We know that the pawn service charges follow the growth in PLO. But we do expect that to be short of a little bit of a stop here and there, fairly linear going forward.

    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, Brian. As we've said in the past and I really have the same answer, which is we're really focused on driving the profitability earnings, reducing volatility. We're making great progress on the combined ratio, looking at the investment portfolio over time to have less volatility on the Property and Casualty side. We're working through the separation.
And it's hard to give you an answer in terms of the absolute combined ratio and returns until we know all the math in terms of the numerator and denominator. Meaning we just need a little bit more time over the next couple of quarters to separate life and retirement, have the path of the IPO and the capital structure that we'll outline in more detail for you. But we know that, that is an important guidance in terms of when we are in future state and we'll work toward that. But I think now with the number of moving pieces between the 9.9% in terms of what we're doing to set up the IPO and what we're doing with general insurance in terms of growth, we see a lot of opportunities to grow with margin and with improved combined ratios over time.
And so that's really the primary focus now that giving the ROE guidance once we know the variable is a little bit more fixed, we can do 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. Look, we are working and very happily working in Bolivia since '95. San Vicente has been very great contributor for our silver production and still is. And that's the reason why we are interested to look at other projects in Bolivia and our investment in New Pacific.
I don't see any reason to change that with the new government. For us, it has been a good jurisdiction to work in.

    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 taking my question. Can you give a bit more detail on what the claims technology process improvement initiative is intended to accomplish in terms of either improving claims expense ratios or operating expenses 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
 
Hello and thanks for taking my questions and first one, on cash flow and net debt that you highlighted, Ulrica. The net debt has come substantially down recently. I just want -- going forward, will you prioritize to buy back before cash dividends going forward? Or will you consider to increase cash dividend substantially? And second question is just on capex. I note that based on your full year guidance, this far, you have only spent around 40% compared to what you can to, to spend this year. Is it fair to assume that you will end the full year in the lower end of the guide -- the range of $9 billion to $10 billion?

    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.

    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 can't say that because I don't know every company's portfolio. But I would say, based on the trend of what we're seeing, that's probably is a valid statement.

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