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
 
Here's what I'll say is, in aggregate, I would say that price is not the most important criteria of a buyer. It's not the No. 1 item. Almost every buyer will say, we want to pick the right solution that meets our business needs first.
It's not that price isn't important. It is. But I'll also say that Duck Creek is not known as the lowest-cost provider in the industry. There are other vendors that occupy that space, but I don't think those other vendors really carry our depth and our functionality and our flexibility.
So it has allowed us to maintain the pricing that we need and that what we want to go to market with, but I also believe that we provide great value for our customers, and we're priced appropriately. And I think it's a good fair price with great value. So I think we know what the market will bear. It's a given deal, our customer can be more price sensitive than others.
But I think at large, we're doing a nice job at holding our price, holding our pricing power, and that's what's helping contribute to our successful SaaS gross margins today. And I think driving the efficiency and more levels of automation as well is going to help us drive that SaaS gross margin to where we want it to be in the low 70s in the midterm.

    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
 
Sure. From an inventory perspective, we think it's absolutely the right thing that we continue at the levels we are. I think getting fresh new trends in the business is important and therefore we want to continue to turn fast and it's just an important element of our overall strategy.
So given that we will meet the customer's demand, so we will monitor the forecast and making sure that we got the right trends as well as the right levels of inventory in our stores in order to meet the sales demand overall that the customer is asking for. So that's inclusive of expectations for back-to-school this year. So overall, I think, again, continue to manage the inventory at a reasonable level, but down to previous years.

    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 mean, I think in terms of the cap rates, it's certainly figured on a trailing NOI number. And I would also say that many of those properties or some of those properties that we've sold, they are low occupancy properties. They're not growing. We don't see a lot of opportunity for growth in the marketplace. And so there is some impact from selling those in low occupancy.

    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 would say roughly, compared to kind of pre-2019 levels, probably about 300 basis points or so, 300 to 400 basis points of savings.

    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
 
Mark, do you want to take 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
 
Thanks, Jed.

    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, we look out over the next 12 months we're assuming that margin will be stable. I mean we are asset sensitive. Certainly, our balance sheet always has been. But we're still looking for stability with hope that there could be some increase.

    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
 
15% to 16%.

    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. A couple of questions. I believe, Jim, you said that as a projection for this year, gross retrans should be $1 billion or more, which is up 15% to 17% retrans expense up 12% to 13%. I understand the top line, but if you haven't had a network affiliate contract come up in three years, why should retrans expense be up 12% to 13%? Are the escalators that high?

    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, management. Thank you very much for your time, and congratulations on the good result, particularly on the EBITDA line. And so I've got two questions. And the first one is on competition. So one of your peers mentioned that the intense competition was isolated in the Jiangsu Province [Indecipherable] relatively stable across the rest of the country, so I just wanted to check whether that's your observation or whether more provinces see intense competition and whether across the board pricing or rental rates remain broadly stable or on a downward trend, so that's on the competition?
And the second question is on customer demand. So last year, it was a pretty strong year in terms of customer demand, partly maybe due to COVID. So if you want to check whether you've seen any moderation in demand from maybe some of the cloud customers so far this year and I think [Indecipherable] pickup in demand from financial institution customers. So overall, are you seeing any acceleration demand from your retail customers? 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
 
Yes. We've done a lot to improve our profitability and margins in that business, Stephen. And so it was pretty much a normal quarter for our Q2 European business.

    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 wouldn't say that. I wouldn't say -- at this point, there's such -- it's so difficult to forecast anything, Wally. I would just say realistic. How's that? We think we have a reasonable line of sight to making that happen. Anything could happen. Could it be better? It's possible. We'll continue to update you quarter by 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
 
Hi. Good morning. I guess, just a question, first, just on the Group Benefits guide, the margin guide to 6% to 7& in 2022. I guess I'm just wondering why that is still -- it's down versus where your guide was in 2020, consistent with 2021 ex-Covid, but it does seem like you have a bit more expense saves. So, I'm wondering if you could unpack that just a little bit?

    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
 
Initial offerings are around our AEC product offering. And so we're talking to some relatively large and some very small customers in the AEC space because our first offering in Sphere will be an AEC product line and workflow associated with that. So we're trying to actually do kind of a four corners test, big guys and small guys. We've got about 20 customers that we're talking about through the beta process and feedback will start rolling in here as we speak. I'm super excited by this. I mean this is repositioning our company and this is where the rubber hits the road. We will officially be announcing to our entire customer base, FARO Sphere in the Q4 as originally planned.

    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, we foresee a rehab levels, could be kind of in line with where we are currently.

    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. So we're very far along in our progress on these. We've been -- we started the cash card kiosk. We started rolling that out in quarter four of 2020. We also did the same thing with mobile. And we accelerated that with the pandemic. Even the pick-up only locations, that's been very positive. And the QR aspect, FLASH Pass, we started that this year, and it's really gained momentum. We'll continue to roll that out, and we also want to mobile enable it as well.
So very -- all of it is very on track. And we feel, as I said, confident, I'm highly confident in our ability to get to that $80 million and $110 million. As Sandeep mentioned, what I think is important is we do feel good -- very good about the progress on our revenue initiatives as well, which is why we feel good about that number and, as I said, about building even more sustained earnings momentum out of these initiatives.

    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, guys. Thanks for taking my questions. I think 2022 year-over-year guidance implies approximately 15% revenue growth at the midpoint ex Century, I believe, with about half coming from new VGTs. Can you talk about the drivers of the other half?

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Good morning. Thank you for taking my question. Could you please talk about your appetite for further acquisition in the near term? How should investors think about the pace of the acquisition? Will you take a pause while you're finding the right target or you're in active dialogue with potential sellers and getting close to the finish line? 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
 
Well, you're getting ahead of us a little bit, Matt. We're going to give you a good numbers on that in January in terms of what the next few years are, kind of as you wrap up the expense tied to all this revenue change. We've steadily been committed to positive operating leverage.
And we've done a really good job of controlling our expense base. We've been around 1% compound annual growth rate on expenses over the last four or five years. We are seeing a bit of inflation that will impact us some and our industry, we suspect, in 2022. We've got to find ways to overcome it. And so, we'll give you exactly what that commitment is in January. But the bottom line is, we're growing our business. We're going to grow revenue. We are going to work on controlling our expenses and improving returns over time.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
That's right. ex-PPP, probably one more quarter at least of some compression. With PPP, we're saying kind of that same 5 basis points to 7 basis points, kind of mid to high single-digits. I'll say there's two wildcards there, really, Brody. One is that use of excess liquidity and how quickly loan growth comes in the second quarter. And then the other wildcard is PPP and how quickly that pays off.

    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, Jack. That concludes our call. I'd like to remind everyone we plan to release fourth quarter results on Thursday, June 24 before the market opens with a conference call to follow. Thanks again for participating today.

    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. I would say not materially. Those places where we source offshore, there's certainly a cost benefit even with some of the supply chain headwinds, they remain. We have, in certain cases, moved suppliers. I talked about it earlier. Bill talked about that where we've really been hit hard at times where we had sole supply and times where we had it some pretty critical suppliers just stopped supplying. A lot of effort has gone into a second sourcing, and I think that will serve us well going forward. We have moved around, and this structurally even was before this current situation when we had the tariff situation, we do have manufacturing footprint across the globe and the ability to shift that. So we have reshored some there, but I wouldn't say whole scale big changes in our strategy. They are more in areas where we need the supply that we've either resource with their redesigned materials in certain areas and move footprint. And that gives you -- should give you a sense of the intense focus that has gone through solving this, right? So even if you think about engineering resources that would normally be working all their time on developing new products, a portion of that time is going to just finding alternate sources, qualifying alternate sources, redesigning some parts to get them, and it's really dynamic. But I can tell you this organization is stepping up to resolve these issues.

    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, Ian. This is Mike Hug, thanks for the question. I'll talk a little bit about consumer and how that's impacting our business and then I'll let Mike talk about -- a little bit about the employment and how that's impacting our business. But as it relates to of consumer, obviously, they're very strong when you look at savings rates, when you look at all the metrics related to them, there's no doubt that there's a benefit coming to us as it relates to both the close rate and the portfolio. We're very happy with the way the portfolio has performed, even on the new originations, you see that 18.1% and it's important and I'll point out to that that 18.1 % is a true provision associated with new originations. We do not take any benefit this quarter from the COVID reserve, we put up to the portfolio. So we do see a consumer that's very strong and what we believe will happen over time is these consumers will continue to buy more of the product, and if you think about how they want to travel now, they love this space. And so once they experienced this space, we're confident that they'll continue lay it up to future upgrades, so we're very happy with the strength of the consumer and we think that that leads to good things going forward, especially when you see the new owner growth rate, that's a great pipeline that will provide updates in the future. So all signs are positive and we expect that to continue.

    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. Yeah, it was clearly a very strong fourth quarter on the auto side for us. And as we've talked about long-term, we believe our content growth above car build is in that 3% to 4% range. Clearly, during the fourth quarter, we saw growth well beyond that, both on the content side as well as this inventory build that took place. We think the content outgrowth beyond kind of our normal view of what it will be in the long-term was driven by the mix of customers and the types of vehicles.
So, very strong demand on light trucks, on SUVs and luxury vehicles. Those vehicles tend to have a higher content, in general than other vehicles. So, that mix of business certainly influence that and we would say probably, our content growth was maybe as much as double of our long-term outlook during the fourth quarter. The remainder of the outgrowth is really inventory built being done by Tier 1s and OEMs, as they're looking to try to make sure they don't have other areas of shortages as they deal with the chip shortages.

    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. Good morning, everyone. How are you 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
 
What's about neutral, 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 mean, listen, it's in, especially for a hotel, the TownePlace, which is really only three months old, or now four months old. But I think, listen, in Austin, it's -- and the reason why we like those two acquisitions at the domain, which is it has a very good mix of not only significant office component, with corporate offices there, some of which haven't even fully reopened yet. But it also has the demand for weekend events. So, whether it was September or October, in October, you had a really strong Formula One weekend, that was basically a citywide sellout. Even though the races were almost 45 minutes away from the hotel, but given its proximity to that domain area, it attracts a lot of interest from a traveler who can walk to whatever they want to do. You also have on weekends, its proximity to the brand new soccer stadium, which again, whether it was a USA World Cup qualifying match, either during the week or the weekend. Again, it just provides kind of a really diverse set of events, outside of just the business travel that allows us to do really well during the week and the weekend. So, we are just very pleased with that. And yes, we spoke correctly, that it was 80% occupancy in September and 90% in October.

    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, guys. Thank you. Just maybe a couple of questions from me. Could you enter into labeling discussion prior to addressing these deficiencies or when the -- if the FDA is OK with the clinical section, could you enter or once you submit the CMC, once they are satisfied only then you can enter? So that's the first question.
And I understand the CMC deficiencies, you know more are analytical -- more related to analytical method, but are we sure that there is no physical visit or any inspection anything required by the FDA at this point?

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