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 expect it to be higher. I mentioned that our selling price will be somewhere around the $7 range. You can imagine that our cost of goods, based on all the modeling and experience we have to date, would say that we're looking at a cost of goods south of $2 a unit.

    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 think it's a bit of uncertainty, right, because you're dealing with two different parties on -- you're dealing with the healthcare professional on the compensation side and the client on the bill rate, and they're just competing forces. So it's always been a challenge to perfectly time that.
What I would say is that, as I look at the early indications coming into Q2, the bill and pay rates are kind of moderating at about the same rate, but that is so early. It's not really indicative of a trend just yet. But we're looking toward the bill rates coming down and the pay rates coming down and returning the margins back to where they were pre-COVID. So, obviously, that would imply bill rates need to decline more substantially than the pay rates do. But thus far, we're not exactly seeing that, but we're just encouraged that they're at least moving somewhat in parity.

    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
 
Exactly.

    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
 
Joelle, looks like we have a follow-up question on the queue.

    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
 
Okay, great. Hey, thanks for taking my questions here, guys. Maybe -- hey, Bryan, maybe I'll start with you, just off the back of that last question. That 740,000 increase in registered users was great to see. Maybe, I wonder how you think about the cadence of those customer adds, maybe over the next couple of quarters. And you touched on the ARPU a little bit, but maybe how do you think about the ARPU that those kind of new users are coming in at kind of for the back half of this year? Does that make sense?

    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
 
[Foreign Speech] I'll answer your first question. In terms of the use of that cash, the number one very important aspect as we are still growing our business aggressively, we'll invest in the new business areas. For example, the product development and new customer acquisition.
[Foreign Speech] Well, in the long term, we expect there will be a balanced mix for these fintech players. There will be -- the mix will be majority loan book comes from the capital light model, there will be a portion of the transitional loan facilitation model. And as well, there will be a portion for the own balanced loans of clients, self financed.
[Foreign Speech] There are a few reasons to increase their own balance sheet business. Number one, it returns with very high ROE, about 40%.
[Foreign Speech] The third important use of cash is some major equity investments. For example, one of our affiliates, an Internet insurance company with rapid growth and promising prospects. Secondly, we are actively looking at some target -- investment targets with great potential synergies.
[Foreign Speech] The third aspect of cash use is regarding to the license. There might be capital rejection into our micro-lending license or guarantor license, as well as we may consider to repurchase more license.
[Foreign Speech] What about the -- if our -- yeah, OK.

    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 Jim, this is Roop. Appreciate the question. We didn't break out the gross margin effect. But in effect, it's about 30 basis points of COVID costs in that gross margin, roughly, although not all of that -- I guess a little bit less that because there's a little bit in SG&A as well. But to get to the heart of your question, part of this is taking out the onetime recoveries that we had in Q4, so 9.6% comes down to about 9.3%. But then you look at the revenue difference and most importantly, within that revenue difference, is the nature of the revenue, right? We got lower -- higher-value market revenue in Q1, and we've got increased traditional market revenue in Q1. And then the other part of that is -- so from an absorption standpoint, that has an effect.
The other part of that then is where the revenue is within our sites overall, where it also has some further absorption issues potentially or challenges, if you will. Then the final piece is, obviously, there's some additional costs that you tend to have in Q1 from employee expenses, payroll taxes, these sort of things that are factored into that as well. The other piece I'll remind you of, Jim, through our comments is we talk about having margins expand through the year. And at the end of the day, for '21, we think getting to a 9% gross margin for the full year or at least 9% is very reasonable and is what we expect.

    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, as you know, what we talk about Steve is that, we have the ability to grow securities $1 billion to $2 billion a quarter. The ability to grow loans $1 billion to $2 billion a quarter that we base we sets up to $2 billion to $4 billion in asset growth per quarter. So you're looking at anywhere from $8 billion to $16 billion in growth.

    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
 
Sorry, go ahead.

    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 really can't. I'm just -- again, we're not in a position because of CSI to be able to talk about where we stand, the progress, where we are along that continuum. Again, I just -- I'd go back. I wish I could say more.
I go back to the words. I do believe that we are making progress. As I said, it's really clear what we have to do. I think we have people that don't just understand what needs to be done but are capable of adopting and implementing, which is what's required for the third-party review once -- at the point at which the Fed ultimately accepts the -- or just chooses to accept.
And that's really all I could say at this point.

    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. It's going to be -- there is a lot of, I guess, it will be dependent on where we are really at next quarter-end, what the economic forecast looks like at that point in time. Certainly, we are seeing some success with the deployment of vaccines out there. We saw a pretty good unemployment print. This morning we saw the consumer spending prints. Last week, so the signs are seemed to be positive on those forecasts, but it will be dependent on that in addition to loan growth and how much loan, how many loans we can put on quarter-over-quarter, which will obviously also need additional provision.
Jan, anything else you want to add?

    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 don't have a crystal ball. So right now, the forward curve does show interest rates going up quite significantly, as high as 180, last time I looked for the 10-year. I -- we are seeing -- we believe that because, even at that rate, that is not going to change the allocation that remarkably because I do believe that that rate -- liability rates are still going to be longer. And as a result, the demand for equities will persist.
But in terms of fixed income, we have not really seen much change in client preferences. They are consistently looking at products like SIO, which is a specialized fixed income product that is not targeted to -- is not targeted normally to duration. We expect to see more global demand in global bonds as a mechanism away from the potential lowering of the U.S. dollar.
We will -- we are continuing to see emerging markets beginning to show interest as a macro trade. And we're -- we continue to see more and more interest in private markets and private credit. So I -- and which we are strong in all of these. So I don't think you're going to see a persistent large-scale rebalancing out of core fixed income assets.
The positive side, I would say, if rates go up for the yield curve, it's going to make, obviously, the banking system to be much stronger. It's going to make lending even easier to be had. I think a rising yield curve is a positive sign for the economy. And so all of that, in my mind, leads to probably better equity valuations.
Rob, do you have anything you wanted to add to that?

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
So I'm going to let Ashley talk about expense line. But let me just say, and I'm going to go back to a theme, I hate to say harp on a theme, but we have this tremendous opportunity, this tremendous organic opportunity that includes expanding into new indications and with tremendous TAM. And one thing we haven't talked about much on this call, but we have talked about in previous calls, really improving from what already is best in category efficacy. We think that we can dramatically improve that through product development.
And that product development, of course, fuels, what we described in the prepared remarks is virtuous cycle of innovation, growth; innovation, growth; innovation, growth. And so we view our R&D investment as a badge of honor here, and Ashley can now describe the badge of honor.

    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, so, Shannon, I would comment both. Obviously, this is something that provides advantage to the core, but as we look forward to cloud and as a service, it becomes a meaningful part of the entire value proposition that our customers are looking for. So they're looking for sort of an end-to-end solution, trying to think of it as almost the lifecycle type of thing. So, we do believe that the financing is a critical element to our go forward strategy.

    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
 
New stores is about 25% of our total operations.

    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. And maybe I'll have Tayne speak to that because she's done a great job of deploying capital efficiently and we also have some updates there. So Tayne?

    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
 
Premium amortization, you mean, related to what, to -- you're talking about portfolio -- investment portfolio or you're talking about something else?

    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. It's a great color on the gross margin. And I know Bill you had mentioned, it sounded like you're ramping which is in a bad thing. But is there any sort of costs or something that could temper sort of that pull-through on the operating side as we think about that manufacturing starting to ramp up production at least in the near term?

    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. About half of the customers on Taegis represent existing customers. And so of that 400, roughly 200-ish are existing customers that moved over. And we see over time that net new logos is very important, and that's why we've got so much emphasis on marketing spend and channel has continued low after net new logos and we see that growing in importance as we continued to develop the Taegis product.

    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, sure. So this is another security service provider. It's more of a global European. It's part of -- it's probably one of the top three worldwide.
And basically this design is in our products in ULE as the connectivity standards are to-date part of their main security gate that is launched around Europe and also in other geographies as well. So for us, it does represent a pretty significant win. An endorsement for this -- for ULE, and it's a fit within the main market players. And I think that really opens up the door for many more service providers in the security domain as well as their ecosystem partners.
As you know when there is a professional install, and this is professional type of install -- a design win, it doesn't just come with the security product. It also comes with an ecosystem of other smart, well-being type of products and services. So it definitely opens up the market for more ULE adoptions. And I think that we are very happy with that and as we discussed on this call and also on previous calls, it's a pipeline.
So this is not the last one. So there are many additional such service providers in the pipeline that are going to launch products and new services based on what we believe is really the best-in-class standard for -- to meet their needs.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
So, I think, Brennan, with acquisitions, we're going to be a lot more conservative in our dialog about them. There are two parties involved. And what I will tell you is we have been super consistent on our acquisitions since pre-IPO. And we do one or two a year. And we have really since then. Scott and I don't see any reason why that's going to change. And so, where we are in discussions, whether it's next quarter or the quarter after or three quarters from now, we just going to be careful about conversations regarding acquisitions, because things can change. But I think our history there and our precedent sort of speaks for itself in terms of what we're doing.

    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
 
Most of the folks that we've talked to and a lot of the analysts that looked at it think that, that's an anomalous transaction. Again, be it for the purchaser there, but I don't think that the expectations have been raised by that level across the basin. And I mean, there's lots of things that are on the market. So again, it's a good time.
I think the bid-ask is narrowing. And especially, again, as prices have risen a little bit, it was difficult to do things in a much lower price environment. But I do think we're in a price environment today where we can be successful with transactions.

    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, it depends on what category within the service line reporting item. Overdrafts, down. I would expect it to trend down. We rolled out a product, which just received certification where clients can't overdraft and it's our second best product in terms of sales performance. So I expect -- and I expect continued pressure to make changes in that category for the industry, not just for us. So that's not an area of focus. We're trying to look for ways to provide, we call them, high value fees to our customers and to build the revenue streams within other categories of the service charge area. So treasury management, as I mentioned, is one area where we've consistently grown double-digit in that area, but it's been muted by other contributors to that category. And we expect that to continue to grow. There are a number of other products that started rolling out. Debit card has done really well, actually rebounded pretty nicely from the pandemic. So you're seeing interchange contribution to that category. We continue to roll out commercial cards and procurement cards for our clients. That's driving interchange fees within the category. So like our capital markets strategy, we're looking for diversification within that area. And that's how we would view it going forward is modest growth in that category based upon that, the execution and diversification strategy.

    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. It's within a couple of million dollars because there's no -- the key thing is obviously the ground rent. They own the majority of land or have rights to it, so there's really no ground rent expense at all. So the margins are extremely high on this. So the vast majority of the revenue drops through to the bottom-line.

    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. So it was an interesting year, Q1 inventory build in the supply chain given how quickly demand drops, they weren't able to shut the status off quick enough and they built inventory. And then clearly in the second half, there was a depletion of inventories. As a data point, North American automotive vehicle inventory was 48 days ending the year. I can't remember the last time we saw 48 days. Data we experience and talked with folks who are buying vehicles or vehicles we're selling at less price.
So there's a higher demand than they can make vehicles right now. And that's having the impact of tightening up the supply chain. But then certainly the North American vehicle inventory is a very valid data point. And it's consistent with what we're hearing from customers in terms of what they're seeing in their inventory more broadly in the supply chain.

    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
 
You're welcome, Michael.

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