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
 
Well, I would say, first, in general, the way I look to Peru is that there is a delay in the recovery compared to the other countries for several reasons. To the other Pacific Alliance countries for several reasons. I would say, first, the recession was stronger in Peru. The balance sheet structure in the market is weighted more toward unsecured.
And that includes the business you were referring to. And COVID lockdowns were stricter and longer. And therefore, we have increased our PCL significantly in line with the system to build allowances for potential credit losses. But as Daniel just said, we expect PCLs to go down significantly starting in Q2.
And in addition, the PTPP of Peru has been down 7% is going to have an important rebound in the second half of the year because GDP growth expectations are 9% for the year. Actually, the Central Bank has more than 10% forecast for GDP growth in Peru. So in summary, this is a delay relative to the other countries. And actually, the recovery is well under way from an economic perspective.
In December, for example, GDP was already slightly above year over year. And infrastructure construction projects are driving a 20% increase year over year in cement sales, 80% of the employment has been recovered already. So we expect a strong rebound in the second part of 2021.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
I -- I think that remains to be seen. I -- I -- we're -- we're very -- again, we're -- we're very confident that now that we're this 30% to 70% this year gets us right back in the 30% to 50% long-term framework that we've been consistently able to deliver. So, that's -- that's what I guess I would say.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. We have seen increased interest from a number of our payers in putting together pilot programs to try to determine the effectiveness of personal care inside, say, a Medicare Advantage program or a managed Medicaid program. In fact, we're working on a number of other pilots that we hope to announce over the next few months. And to the point that we're pretty busy. So I would say long term, it bodes very well.
I think that in the interim, what we have to do, a number of our programs are designed to give us the information and to work with our [payers] on whether it be GAAP closures or whether it be on clinical measures such as ER visits and readmissions. And as we get that data -- and we're hopeful that we're starting to see some of that data now.
As we get that data and it continues to be what we expect it to be, then we would think long term, we would be able to show Medicare Advantage plans that by incorporating nonclinical care into their offering, we can overall affect their cost of care. So we're excited about the future, but it's going to take some time. It's not going to happen overnight because a lot of these pilots are just starting, but we're excited about the interest we're seeing.

    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 know, I think you've got the normal players in the SIM and log management space that are out there that they would consider competitors. With respect to their technology, why it's differentiated, I really did talk about the index-free ingestion, the fact that there's a lot of things that they can do in memory, which is just it's amazingly how efficient the technology is. And when we put it through its paces and hooked it up to our back end, it handled all the data that we threw at it. So when you look at its flexible architecture and data models, it's different than others where you can operate it from the cloud.
You're going to have data in different places, data sovereignty. So I think it gives us a lot of flexibility. And then when you combine it with our agent, our agent is more than just a forwarder of data. It's a very intelligent agent that does introspection, the system call analysis, provides information, observability information that can be extremely valuable to IT departments, again outside of security.
So when you combine our agent, our smart filtering with their ability at scale to ingest data in real time, we really think it's a winning combination.

    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
 
Thank you, Colin.

    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. Good question. And look, oftentimes, we also sell our industry cloud solutions also in conjunction with S/4HANA cloud. As oftentimes, the transformation on the customer side works -- I digitize my core processes and then I went into the verticals. For example, we also now released at Sapphire, our industry packages for RISE. And then, for example, in retail, it's just logic. When you are moving to S/4HANA cloud that you also think about new ways of doing replenishment, optimizing supply and demand with our industry cloud capabilities, which naturally integrate back into the core or there are new ways of doing claims management, which is another great solution, you can actually save millions, sometimes hundreds of millions of money with our intelligent claims management solution and customer loyalty, and we have that for retail, for utilities, for automotive. And then, of course, we have a lot of partner solutions that are also sitting on the platform already. And again, we are selling those stand-alone, Scott, but we oftentimes also just sell it also as a bundle as again, it's a natural expansion of the core processes we are running in the core.

    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, I wouldn't call it conservative. I would say we're being cautious given the current environment because there's still a great deal of uncertainty. But certainly, there are some tailwinds out there. There's no question, depending on what happens with the speed with which infrastructure spending gets in place, how communities with -- there's still a lot of money in municipal budgets as a result of the work that was done in the CARES Act piece. I mean if you go back 2 years ago, I think there was $50 billion assigned to municipalities. And so I think that there are some tailwinds that could find their way into making drinking water, in particular, a priority and that it could have more infrastructure change out. We also believe that the break-fix piece of the business could have some upside depending on what failure rates look like going forward and whether they continue to accelerate or not. So there are some positives. But I wouldn't characterize the guidance as conservative, so much as cautious.

    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
 
Will try my best, Kimberly, still we are very much deep into the current fiscal year as we still have a couple of weeks to go. Regarding chasing inventory, that's too late in our high-end luxury world. Inventory has to be secured much more in advance. But nevertheless, we feel we're very well prepared for those shifts because we always continue to buy without an assumption that we will never come back.
We always -- for winter buy coming in, our teams were buying on the basis of we will be back into a world where social events will take place, where weddings will take place. So we continue to buy with that attitude, of course, not being able to predict precisely when the vaccination rates will be of sufficient level. But we feel well prepared for this rebalancing, back to high heels, to dresses and so we should be able to take advantage and benefit from this renewed spending on those categories. Going forward, our best view is that the last 12 months have really created a new base, a new base because we pushed a bit the fast-forward button in terms of online share growth.
And so this is -- we don't predict a reversal. We predict that we will go from that base onwards with a healthy growth rate of mid-20s as the medium-term view. Next 12 months, that we will maybe still have impacts of COVID, hopefully not. In worst case, yes.
But the long-term view is absolutely rock solid, mid-20s, 22%, 25% growth every year with strong profitability. We are absolutely confident to deliver that.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
No, that's just that's the number of recontracts in there Rob, might be some slight upticks maybe for additional service, etc., but it's basically looking at clients that were recontracted and the contract value of their -- of their contract at that time. So there was a few of them during the quarter and I just called out that recontract them.

    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, a couple of quick follow-ups. Maybe, Gerrard, can you give a little bit broader overview on what you're seeing with respect to DN Series uptake as it pertains to recycling in North America, Latin America, and EMEA recognizing it's a little bit more mature than some of the bigger Asian markets?

    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. 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
 
Yes. Chad, I'll turn this over to, Hubert, but I think he's got some good news on the May weekend. So go ahead, Hubert.

    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, Chris. Maybe we'll start with Jeff Thiede at Construction Services, coming off the record second quarter that they just posted. Go ahead. Go ahead, Jeff.

    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
 
Timur, I would add that we are gaining, in a very steady and consistent manner, traction with our indirect lending group and the new business model that we rolled out about a year ago now or almost a year ago there in that unit, and we really like the way that's performing. We're going to, we think, be able to protect our asset quality while paying low -- lower premiums and getting better spreads. Now given where rates are, we may get better spreads, but that might not translate into better rates right now, just because of how low every -- everything is.
And our community bank is also getting some traction, I think. So, growth will continue to be a challenge in outstanding certainly through Q3, I hope that we'll have a positive growth number in Q4. And I think as Brannon said, there is a lead-time between getting these things closed and beginning to get funding on them. But I think we ought to see a steady progression in our total outstanding balances and earning assets from the loan side throughout '22 and into the future. And I think we've got all these units going in the right direction. The business model has certainly been proven. And I think we've got really good prospects of stepping up to a higher level of origination volume across the company, more diversified also, than it's ever been before.

    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
 
Right. Operator, we have time for one more question and then Julie will wrap up 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
 
We have figured it out. And I think we can figure out here too. I'm sorry. Go ahead.

    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
 
Thank you. Good morning. Question on free cash flow, maybe more for Jamie. You said it will be similar to 2020. We are looking at EBITDA up about $50 million year-over-year at the midpoint, and capex only up about $40 million. What's the delta in that analysis?

    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
 
Hi Brian, this is Matt. Thank you for the question. As it relates to growth to net dynamics, we did see an increase in discount during the quarter, and that's largely seasonal driven by the Medicare Part D donut hole as well as co-pay assistance programs on the commercial side. We did have some incremental discounts come from contracting.
But I would say, by and large, the majority of that gross to net discount increase should recover throughout this year. I believe I guided last quarter, we would expect a sequential down -- or a sequential increase in gross to net discount of around 5%. It landed just north of that, around 6% during the quarter. So hopefully, that gives you the right line of sight there.
On the DTC investment, the big aspect here is to accelerate TD diagnosis and ultimately, allow more patients to have benefits with INGREZZA. As you know, there's a lag time between when you do a direct-to-consumer advertising campaign and when it actually translates to patients receiving medicines. So you would expect some level of a return later this year, but more meaningfully in 2022.

    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 speaking specifically about JetStep or generally?

    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. Well, this is certainly a time in the cycle for us to try and lock in some longer-term leases based on these record setting lease rates that we're achieving and as well as what's further comfort to for us to push those terms is the larger rent increases that we're now able to capture in the leases I had mentioned earlier that we were achieving above 3% and even pushing now to 4% in many projects. So we don't have as much of a concern about being a bit behind in growth on a longer term basis. Also tenants certainly recognize that we just have a shortage of space in the markets and they're more interested in controlling space for a little bit longer period of time than they might have in the past. But overall in terms of what you saw for the lengthening of our term, a lot really could be attributed to just the average size lease that we completed in this past quarter. It was about 50% higher than the average size space leasing in Q4. And so, when you do the math, that sort of attributes as well to the increased term -- average term.

    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 think that is a very good achievement with Baraja, so we think that is a very good partnership and how they are going to do this going forward and what's going to be their strategy between Innoviz and Baraja, I leave it to Magna.

    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, thanks everybody. I appreciate you joining the call today and for your patience as we made it through all of the questions. I hope everyone stays safe and healthy, and we will speak to you again in a few months. Thanks again.

    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.

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

    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
 
It's a little bit early for us to be able to tell. Obviously, we know what the legislature's intent was and we're looking forward to that intent to come forward. We did pull some of the July numbers from the preset demand plus the actual suit curve. And currently, they appear to be down about 50% from July of 2020. Keeping in mind the Senate Bill 76 deals with -- doesn't include the AOB suit. So, we're just talking about the other streets that are coming in. So, I mean, we're cautiously optimistic, but still too early to tell.

    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
 
Chris, I'll take the first part of that. And we're pleased with what we've been able to accomplish, and that is certainly a result of all the different initiatives that we put into place mostly around early detection of [Indecipherable] and referral patterns of getting these patients into iLink customers, good integration of the Avedro and Glaukos team and the power that we have of working together. So I'm not surprised by the record sales of Photrexa in the third quarter, but there is still a big opportunity ahead of us. And we're working to capture more of that opportunity. Pleased that it's growing. Pleased that we've made progress, but optimistic about the future of this product portfolio and what we can do with it.

    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
 
Thank you, Bob.

    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. Thanks, Matt. Jen, you want to start with that as well?

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