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
 
Yeah. And I'd say, Mike, if I start with the first question here and say, when we look at Q4 and all that, as Marc alluded to earlier, we believe that right now our guidance for the full-year is, we do believe that that's on the low end of where we'll be. So you take that into Q4 and there the assumptions that we have around our ability to produce and get product out of the door continues to increase. And so, you can pretty much back into from the guidance we've given on revenues where we expect our sales to be. But -- and as we've said, we expect to continue to see throughput within our factories increase. And then when I look at just the dynamic of the market around us right now and say, OK, with where we are today, obviously, we've done a very good job of understanding what the cost environment was going to do, and offsetting that with cost-based price increases throughout the year. And as we look forward, and I think Marc alluded to this earlier, we do see some carry-over benefits that still will continue to come.
I think the other thing that I'd point to more historically even within our business and our ability to handle some of these dynamics, if you look back to like the 2018, 2019 timeframe, we also had cost increases within them and many of them were driven by tariffs, which we were able to offset with cost-based pricing back then. So, again, the trends that we see right now, we believe we're taking the right actions to offset. And then we expect to continue to 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
 
Well, I think after after growth and internal investment from a capital allocation perspective, dividend is certainly one of the highest priorities. The Board has as a company and there is no -- there is no payout ratio per se, but it's the consistency and the sustainability of the dividend, that's always been attractive I think to our -- certainly our shareholder base as well as the Board of Directors. And I think now the fact that you know rains little [Phonetic] snow, good times and bad times, we've always been able to consistently and in a sustainable way pay out the dividend has been -- has been, certainly underscores the confidence that we had, the Board of Directors has in the future of the company, and we've always managed the balance sheet conservatively from a cash perspective. So our expectation, the Board's expectation is that we'll continue to pay an increase the dividend in a way that's been consistent with with our past, now going on 74 quarters, soon to be 75.

    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
 
Hey, Erik.

    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. Thanks Paul. This is Jack. We certainly are witnessing much of what others are seeing in terms of inflationary effects in the short term across Personal Lines and Commercial Lines. And we're monitoring and obviously trying to factor as quickly as we can, how much of that should translate into some improved rates. But I think what's serving us well is we have worked really hard on our claims analytics, to make sure that we're segmenting what we're seeing at an even finer level and make sure that we have an assessment of what we think might be transitory what might be more permanent, and how to allocate that across our portfolio. So Jeff, I don't know if you want to I know, there's also some benefits that we derive from inflation in terms of our premium basis. But Jeff, maybe you can make some comments further.

    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. There are a variety of mechanisms for us to recover inflation on the pod side of the business. Pricing is one of them. Productivity is another. My last point on this one is, I have said this for the past three years that the focus on pricing on coffee, while it makes sense from a traditional CPG perspective, makes no sense in the coffee pod business when the company is intentionally trying to lower prices. And even in an inflationary environment, we're trying to keep prices down. We're only passing on the coffee costs because they are excessively high.
With regard to the rest of our business, we have a significant amount of productivity and mechanisms to take more pricing, if we choose, going forward. But remember, our overarching strategy is to try to keep prices down even in the face of inflation and protect our margins through a combination of productivity and pricing. In this business, we have leaned on productivity because it's available to us much more than pricing because it's the right thing to do for the ecosystem of Keurig. I recognize that concept is very different concept than traditional CPG.
But I would also say, it's the beauty of the Keurig system because it truly is an ecosystem. That's an overused phrase, but it's true in the case of Keurig. And that's what makes this thing work over the long term. You can't focus on one metric, because if you do, you run the risk of damaging the long-term growth of the system. And you could see that, if anything, we're accelerating the growth of the system, which really drives everything. So thanks for all those questions and the opportunity to clarify the Keurig business.

    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, first of all on the Shanghai Futures, my view is that if you didn't have the fundamentals right and the supply demand physical side, the futures exchange would be a speculative sort of a thing and more likely a bubble would heat up and cool off, that kind of thing. But I think physical markets are tight, hardwood in particular is really tight when you think about the length of the supply chain from most of the hardwood notes to their actual markets. So I think that's the really tight side right now.
Softwood is balanced. But having said that, there is quite a bit of supply risk with all the maintenance that's going to happen, there is no new supply coming. Most customers are expecting prices to continue at elevated levels and possibly increase. So everybody is chasing pulp, that nobody wants to get behind, everybody wants more than they can get. And so, it's just -- it's driving itself is really my view unless something happens that really significantly impacts demand and I can't see that, it feels like a sustainable sort of a rally here.
I mean, it's -- the markets are balanced to tight, inventories are low and demand is strong. And as I was saying earlier, the printing and writing side is coming back off the floor as countries open and there's any kind of travel, improvements or school forms or just generally people getting back to work will drive some recovery in printing and writing, which is all incremental on top of where we are today, so.

    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. Thank you, Cherilyn. Very good question. It's one of our focus for this year and the years to come. And we're making significant progress, especially as it relates to preventive maintenance. You want to give some example Rob of some of the benefit that we currently experience right now, and maybe talk about somewhat we have in mind for 2021.

    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
 
John is going to answer 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
 
I was just going to add one thing to that. Sorry, our largest customer, as I mentioned in my discussion was about 48% of our sales in Q4. Based on my current internal forecast that drops to probably about 35% of total sales in Q1 plus or minus. So you can see what's decreasing from Q4 to Q1 kind of based on those numbers.

    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 what's really interesting in that same three-year period that you mentioned is the impact of recycling on our margin. And I think, if you strip that away and really consider the inflationary cost impacts and the COVID impact that we've already discussed, you are seeing strong execution on the front line of delivering that 50 basis points of margin expansion. That's why we really wanted to add the color on commodity price impacts in the press release, so hopefully, you can take a look at that table. But I do think that when we look at the collection efficiency ex all of these training impacts, we've been really satisfied with the continued frontline execution of the team in delivering margin expansion, though it is cover to us.
So we have positive expectations for 2022 at this point, so there is gonna be some continued noise from the recycling part of the business. 

    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
 
Like we're pretty pumped about all -- like just everyone's sort of running hard here. So we're really excited.

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

    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. Good morning. Debbie, in your prepared remarks, you talked about seeing more push for access for behavioral health. Hoping you can give a little bit more context. Is it employer, states? Does it relate to payers? Is it the telehealth influence? Just trying to understand where that push for that incremental behavioral access is coming from. Thanks.

    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
 
Security for Q1, we had no event that impacted our production for us, the mine. We are good. The region also. There are some activities done by some stakeholders from countries, the G5, the Barkan forces. And we are always -- they keep having a focus in the region, increasing security details and protocols. And also for us, that's what we do. We continue to monitor the situation as we speak. But so far, it's very stable for us at Essakane.

    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. Hi. Thank you for taking the question. I guess I just want to kind of -- if you could expand on some of these new opportunities.
The announcements with Genie and Wave, how should we think about that TAM opportunity for virtual fan engagement. And kind of as a follow-up, of all the new kind of opportunities that you've laid out, social virtual platform for music, you know, exercise and all these other things, like which one -- which one gets you most excited? Thank you.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes, Alex, it's, Neil. I mean, I would say a couple of things there. I mean, we certainly -- we're going to carry momentum from this year into next year. So if you just look across the portfolio, I think next year we haven't done the guidance yet, it will probably be a little bit better than trend -- trend sort of mid single-digits over a long arc of time, next year it might be a touch better than that we'll see your guidance next year. But what we're trying to do from an -- for three years now as CEO, we've been trying to increase the organic growth rate of this business of the portfolio through a very structured, process oriented way that focus on strategy, the execution of strategy and really building a world-class teams and team effectiveness. And we're starting to see that, sort of, work in pockets of our organization that's a bit more mature. So the final story -- chapter hasn't been written on that story for us yet, it's got another several years to play out, but certainly encouraged by the early signs.

    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 am only speaking for myself.

    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. And that -- look, at the end of the day, the guidance is -- the guidance, right? We're going to get some more in the fourth quarter and then we're going to get it all next year.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah. Matt, our take on it, as we've been saying, is that we'll grow into our asset quality trends. Dan can share some of that here in a moment, but our asset quality trends, I think, will be a tailwind and then the economic factors that go into the model are going to be a tailwind, we think, in '22. So, we're -- as we look out at the loan growth rates we're looking at, with the information we have today, we're not expecting to take a material loan loss provision even in '22. And so, depending on the assumption for loan growth, we think loan growth in '22 of 7%, 8%, core loan growth in '22. And when we factor all that out, the loan loss reserve certainly will -- the ratio would dip down. Dan, any comments you've got on the tailwinds? And -- But we certainly don't think we're going to need 134 [Phonetic] and so, we're going to be willing to let that drift down. I don't -- we haven't ever talked about a lower limit, but obviously we're just going to work with CECL model and comply with whatever the results are as all the banks are doing. So, Dan, any comments on that or...?

    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. Happy to cover that. So, as we went through the pandemic, we really scrutinized the expense base. And there has been a long history of expense discipline in this Company. And through the pandemic, we found certain opportunities. So, as we think about the balance of this year, the next year and going forward, we're going to continue to focus on controlling corporate cost, so that we can invest savings back into overall growth levers. And we've done that. We're going to continue to do that. As we think about the efficiency ratio, we'll come in this year somewhere around where we finished last year, I think, assuming revenue comes in with the modest growth we talked about in loans. And going forward, I would expect somewhere in the upper-30s would be a reasonable spot. That will indicate that we're driving efficiencies and still investing in the business.

    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
 
At least in the U.S., we don't see regulation as the fundamental limiter. We've obviously got to make it work and then demonstrate that the reliability is significantly in excess of the average human driver for it to be allowed -- for you to be able to use it without paying attention to the road. But I think we have a massive fleet. So it will be, I think, straightforward to make the arguments on statistical grounds, just based on the number of interventions, especially in events that would result in a crash.
At scale, it will have billions of miles of travel to be able to show that it is the safety of the car with autopilot on is 100% or 200% or more safer than the average human driver. At that point, I think it would be unconscionable to not to allow autopilot because the car just becomes way less safe. It would be sort of like shake the elevator analogy. Back in the day, we used to have elevator operators with a big switch that -- they operate the elevator and move between floors.
But they get tired or maybe drunk or something or distracted and every now and again, somebody would be kind of sheared in half between floors. That's kind of the situation we have with cars. Autonomy will become so safe that it will be unsafe to manually operate the car relatively speaking. And today obviously we just get an elevator where we press the button for which floor we want, and it just takes us there safely.
And it would be quite alarming if those elevators were operated by a person with a giant switch. That's how it would be with cars.

    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 thank you for taking my questions. Most of the questions have been answered, so I'll just ask one on cap rates. So what direction do you see cap rates go from here? I mean, obviously, there has been a lot of compression already.
But how do you see this continue into 2020? Or do you think that we are finally at a point where in the second derivative here slows? Just trying to understand that dynamic. If you could throw some light on 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
 
Yeah, so we added approximately $400,000 to the deferral agreements this past quarter, and some of those had abatements in them. And on the write-offs, obviously, the ones that have been in place, we're working with the tenants to try and keep the goal in writing off [Phonetic] some of those deferred rents.

    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
 
Okay, great. Thanks, yeah. Congratulations on the results. I guess first question pertains principally to AT&T, I guess maybe to a degree to T-Mobile, but we just had a very big spectrum auction in the US and I'd love to get kind of your perspective on how you assess any potential risks from slower spending as that comes together and the carriers particularly AT&T figures out how it went to deploy that spectrum versus the medium and longer-term opportunities for you all around network planning with that spectrum, 5G opportunities, et cetera. Any kind of early thoughts as to how that could impact the AT&T opportunity?

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