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
 
Take share repurchase is first. The $81 million is pretty much in line with what you've seen in the first quarter. I think we did $106 million. Last year, we did over $500 million deployed to the shares.
The answer to your question is we're going to deploy capital to the highest relative return opportunity. And ultimately, we believe shares are a good value where they are, and we've been purchasing through 10b5-1 all during this period, and we'll continue once we get out of this period to an open market repurchases. But in terms of the level of those repurchases that's going to depend on the relative valuation with other opportunities and the relative opportunity with how we feel about the intrinsic value of the company. But I'm trying to tell you very clearly is we will continue -- our expectations are to continue to deploy capital toward our share repurchase program, at these levels.
So hear that very clear, subject to what I've already described. In terms of the acquisition pipeline, I think things ebb and flow and with COVID, there's always some timing issues and things being delayed. I think what we're trying to communicate to you is that there is a pipeline out there that we are involved in and we are active in, and that gives us optimism and confidence that we will continue down that path. I don't really want to say any more than that at this point in time, but it's a good pipeline.

    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. Pancake Optics we have a registered trademark. Pancake Optics we have a registered trademark. Of course, CyberDisplay, all those are registered trademark.
On the Metaverse, it's not registered yet, its trademark. As you will know, register has gone through a different process, a vigorous process and the -- and of course, so Metaverse, yes, with our trademark.

    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
 
No, I think the number you just mentioned is in the ballpark of growth. I think the two significant impacts that are in play, it's first, the full-year impact of Durbin and then clearly what may happen with mortgage banking and the volumes, and particularly in the refi space and secondary market rates as mortgage banking has been around mid-to-high teens of our total fee income and clearly then would have an impact. So we've strip those two out to provide an outlook on the remaining fee trends.

    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, really the only thing I can point to is our original CECL calculation that came in on January 1, and that number was about, if I recall, 150. So based on normal suggestions, the CECL calculations, it appears at that point in time, 150 was the appropriate number.

    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 I do-you're right in that our software mix absolutely did help overall gross margin. Mix is the biggest determinant, product and/or vertical is a high correlation. However, even within vertical sometimes you might have some customer mix where you're more advantaged than other periods of time, maybe their geographic as an example, where we do have a higher margin in, say, the US Tier 1s than we might in some parts of Asia as an example. So there's a lot of mix to consider, but generally speaking, you're correct in that the vertical/product mix and aggregate was unfavorable. We offset some of that with some software growth, which is a little more slanted, particularly the off-box, higher-margin software is a little more-as a percentage a little higher in our enterprise, our cloud-ready data center, AI-driven enterprise businesses than it is our traditional kind of service provider routing domain where we do have a fair amount of software, but it's more on box and has less margin impact overall.
So that is part of the mix going forward. And the last thing I'd call out Q2, we saw a very strong services gross margin in Q2, which was the primary reason why our gross margin was beyond the midpoint of our guidance. The product margin came in largely in line with our expectations, even with the mix shift that you're talking about, but services exceeded our expectations, which resulted in the overall increase from midpoint.

    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. Yeah. That's right.

    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.

    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 too. Thank you.

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

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Well, for sure, Curtis. It starts with our in-store experience, frankly. We -- while we have new -- coming out with the new C series and the new p series and, yes, those are further down the line and would impact ARU in a vacuum. That's not how things actually work.
We create excitement over the brand and then the in-store experience and online experience now moves the customer to the product that best suits their needs. And in fact, that generally drives a fairly strong ARU, like you've seen here in 2020. We do, as I said, intend to have some pricing in there as well. That will contribute to the ARU that we're expecting to grow in 2021.

    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 we've talked about two other parameters that are key care-abouts for fleet managers that we're focused on from an organic standpoint. And that includes load management. So understanding not only total load in the trailer, but also the distribution of that load for safe -- distribution of the load for safe travel.
And the second area is around wheel and sensing. So that's essentially monitoring wheel bearings to prevent downtime on the road. And so short of doing regularly scheduled maintenance on that in addition to doing regularly scheduled maintenance, understanding what's going on, on the wheel and to predict potential failure of a bearing is another area.
We announced last year that we had a product that we developed in conjunction with Hendrickson to be able to bring that sensing parameter to market. Those are the three that we're starting with. But as you can imagine, once you have a captive piece of equipment with your vehicle area network on it, with a connection to the cloud, with a network that can analyze data, the opportunity is pretty broad in terms of adding either other Sensata sensors acquired capabilities, or third-party collaboration to bring more sensors to enrich the data profile of what we're offering here. So more and more to come, and obviously every time you add more data, right, you start with adding a sensor to collect that data. You bring it to the cloud, the value proposition increases for the fleet. So that the pricing would be commensurate with that expanded offer.

    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, John, it's Ed. So I don't have the average age of the claim now versus before. I mean I would just say that, obviously, nine million dollars is down a lot. I think it's down 20% from the second quarter, and it's down substantially from where we were in the first quarter of this year and the fourth quarter of last year. And I'd just, again, highlight that overall, our COVID claims to date relative to the initial guidance we provided based on the number of U.S. deaths, I think in total, we're probably running at about 1/5 of what we thought we would be to date on COVID.

    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
 
George, it will be across the board in many different categories in all of the segments as well as also in the functional areas. Let me give you a couple of examples of that so that you can get the more a feel behind it. So, first, a lot of work has been underway in what we call the procurements clean room. So, about $2.5 billion of spend of both companies has been analyzed there, 25,000 active contracts and that has led to some opportunities, further opportunities that have been identified. Also, there is a clean room for cross-sell and we have found about 200 synergies with respect to cross-sell through that clean room activity. And then what we did not expect before was short and synergy benefits from segments that we basically did not have on the list before. So, we now have synergies also being identified in Ratings, in transportation, in CMS and in CRISIL. So, those are a couple of examples. But I would say, in general, really more opportunities in all of the areas across both organizations and of course then the combined company in 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
 
Great. Thanks everyone for joining us this morning, and look forward to following up after the call.

    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, Jimmy.

    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, thank you, David.

    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
 
They didn't break out by subcu, so it's overall. Yes, but it's probably [Indecipherable].

    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 mean I think over the years, we've seen not just our competition that we've had for a long-term, but a lot of the insurtechs going into the space. Where we feel like we have an advantage, of course, is that we buy a large portion of our media in-house. And we make sure that when we acquire a customer that it's under our allowable cost or at or under our allowable costs. And so I can't go into a lot of the proprietary ways with which we do that.
But we believe that allows us to have very reasonable acquisition cost, which we believe are much lower than in insurtech.

    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
 
Perfect. Thank you very much, Arturo. So the next question comes from Moshe Katri from Wedbush. Moshe, please go ahead.

    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
 
Our program is where we have the right to purchase on each transaction, and our plan would be to purchase it at completion. And of course, manage it from that point. There won't be any management until there's COs. Okay, yeah, I got it. Appreciate it, thank you guys. Thank you.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
I think we believe that all of the above are important allocation strategies. Yes, it's up to $700 million in equity capital toward F&G. But keep in mind, we've already funded $400 million of that in the form of a note, which is easily convertible. So from a parent company cash standpoint, the $400 million is already gone. But I -- the Board is -- we talked about completing the $500 million plan over a course of 12 months in terms of buyback, but we have a $24 million share authorization or $25 million, but $24 million still existing.
And the Board is very excited about continuing to deploy some of that capital toward buybacks And I would expect that as soon as the window -- the blackout window opens, we will be back in the market buying back shares. We paused a little bit during the quarter only because we were in a blackout period while we were working on the bond offering. Otherwise, we probably would have bought back more shares in the 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
 
Janet, I can take the latter part of your question, and then I'll hand it over to Sheila, as it relates to Urban. So I mean again what's included. Yeah. You're welcome, and thank you for the question. Yes to the extent that we know we're planning for in the quarter embeds shipment delays as well as the Urban business and some of the impact of pulling back on promotions. What I would say as we caveat is it's what we know and if you think about supply chain, sort of two months ago, India was the big challenge and then things improved pretty meaningfully in India and then Vietnam popped up as a challenge. And I'll tell you a ton of credit to our sourcing teams and our logistics team and as Dick said, our partners at all different origins because we've had to be really nimble and really flexible and thank you to the brands for being highly patient on us as it relates to product flows.
The only thing I can guarantee is that, is that it's not going to be consistent over the back half of the year, new challenges continue to rise. So the forecast based in what we know today, as it relates to some of the -- some of those product challenges, but you know the things that I think as we continue to -- continue to change day in and day 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
 
Yes. Thank you, Joe. So let me take the beginning of that, Mike, if you take the end of that. And so again, as we put the performance of ECS into context of what we were expecting and what we received, the expectation continues to be during the course of year and for the next couple of years that the growth we're going to see out of ECS will be largely from the services side of that ledger, with the licensing side, predominantly renewals. That's -- if you noted in my remarks. I said that's the near-term plan.
I think that with the changes we've had with the ECS team, with some leadership really reviewing the art of the possible in ECS. In the mid to longer term we're looking at -- one of the opportunities we have to grow, whether it's a SaaS pricing or a straight licensing, more of the technology piece of that business. We don't see that in the near term, and it's still under development for the mid to long term. So that -- so more to come on that, still very much a work in progress. We do expect the momentum we saw in the quarter, which was a 2% increase in services to increase over time. And as I said, in the near term, that's where we expect the majority of the increases to come from. Mike?

    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
 
Good morning, guys and thanks for squeezing me in. I wanted to follow up on Dave Windley's question talking about the cell and gene therapy market. There don't seem to be a lot of third party commercial solutions out there. So you guys have a good sense of your market share and the competitive environment and I guess, do you feel like it's better? Is this an environment where it makes more sense to acquire kind of tangential players or continue to build your own capacity?

    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
 
Thanks 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
 
We have created the bandwidth. We have an expert M&A team that finds the properties in those, how to action them and close them. We've built a world-class integration team, the Passport integration is going really well and the early read on the Magellan integration is going really, really well. That's why we're so comfortable in affirming the accretion targets that we've given you.
They've actually, very fortunately, laid out quite nicely on a timeline. By the time Magellan is fully integrated, we'll just be closing on Affinity, perhaps by the second quarter. And so, if we action one, two, or who knows how many more this year and they close either late in the year or early next year, the timeline couldn't be more amenable to be very effective at integrating them and harvesting the accretion that we promised our investors.

    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, obviously, when you look at some of the extra funding, that's going to be a positive tailwind. I don't think any people had anticipated over the course of last year. And again, I think the specific verticals follow the specific economic activity regionally and in these local markets. And so when you think about places like Texas, Arizona, Florida, where you're seeing a significant population growth, that drives all the other things around it, whether that's additional healthcare facilities or [Indecipherable] schools, high schools etc. And now with this incremental extra funding that states are getting, I think there's going to be a real opportunity. We're tracking the levels of funding, where it's going, quotation opportunities and then you got to -- you got to just work through how that money is going to get spent and allocated through, frankly, things like school boards etc. So it's going to be a positive tailwind for us that we probably didn't fully anticipate probably six months ago.

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