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, that's fair. As I said, I think where we are in the way we look at 2021 and what could potentially happen is that EBITDA is bottoming in the first quarter, margin could still come down in terms of percent margin as rig is it rolls off and then it could change later in the year depending on what pricing does and how many rigs we're operating.

    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 it's literally around $2 million. Like I say, it's a few million dollars. It was not significant in the grand scheme of things. And Chris, this is one of those that again it's not something I look to kind of forecast. If you look, we've talked about this in the last quarter call. We've had M&A activity since we've been in this business as part of this industry. With the past several years, we've had M&A activity that's benefited us and yeah, we won the combined entity. So as I'm looking through, I think one of the things we wanted to give a heads up on last quarter was, we do see a couple of clients that are in an M&A process were its been completed. And typically, when that happens as I mentioned previously, the changing of platforms is not a priority, it's getting the acquisitions done, and while we might lose them short term they become a prospect for a longer-term in a bigger organization.
So I think the way we look at is it is a part of doing business. It's something that which will win some and it will help us some that we might lose for the short term, but the way I look at it is, they become the next prospect on our list.

    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
 
Yep. Thanks, Jerry.

    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
 
All right. Jeff Dierks, why don't you take David's first question.

    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
 
With that, I would like to thank you for joining us today and your interest in Zscaler. We look forward to talking to you next 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
 
Absolutely. So, that's really where you see some of the initiatives that we've talked about with the occupancy expense as far as leases. We've got some of it there. We've also got some efficiency, just movement going with really evaluating everything that we do and how we do things. After you do a big acquisition, like a Fidelity, and you kind of have your cost saves built out and you get through conversion and you go through those, and then you really start looking at everything. One other aspect in that banking division is our treasury. We've done a really good job. We've got some efficiencies going on in treasury, as well as some initiatives there to increase some treasury income. So, that has helped as well. And then, we've got a huge technology benefit. When we look at our top technology costs, about 25% of that is really forward future -- what we think about it has future benefit as far as integration, automation or delivery platform. And then another 20%, roughly of our IT -- when I say IT, I include kind of our IT and our PMO, project management office. About another 20% of that is related to efficiency projects. And so, this is really the kind of all of that coming to fruition and gaining that synergy that we have through those areas.

    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
 
OK. Thank you, Seth. Happy New yYear. Now, the MBQ has been -- as we've highlighted, it's -- it's an important product.
It's always been in our portfolio. We very much appreciate our -- our merchant customers. It's not a simple answer. We have invested in providing a broader product range.
And so, that opens up opportunities for us. Clearly, there has been inventory restocking as a lot of the manufacturing sector was shut down for a period of time in the early stages of the pandemic. And -- and then, you know, I think service centers have been very judicious and very conservative in managing their working capital understandably. So, given the market volatility and uncertainty, it's a combination of things I -- I can also remind you that in the U.S., there was a one mill that was shut down over the last period of time.
And so, certainly, that opened up other opportunities for us as well.

    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. Pricing -- I was wrong -- in non-raw price increases. I was reading the wrong line.

    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
 
Sure. We were pleased with the Q2 gross margin. We were -- it was a little bit ahead of our plan. I think we managed it well. And of course, implied inside our guidance for the balance of the year is a little softening of the gross margin outlook from being up slightly to being in line with last year. And I think that performance in face of the inflation that we've seen would be good. But our goal, again, looking to next year, building on the last question a little bit is we want to continue to grow gross margin over time. And we want to do that through a pricing strategy. We want to do that through productivity. We want to do that through all the levers to manage inflation and commodity costs. And so driving that forward remains an important goal. We'll give more color on next year's gross margin as we get closer to the end of the year, but that goal remains firmly in our mind.

    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
 
Mike, do you want to take that or do you want me to? I'm happy to.

    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. That -- so Jonathan, I did say, $0.18 to $0.20 for 2021. So you're correct there. But if we think about last year, we didn't have a full year of capital. I do think you're right $0.08 to $0.12 is what we said, when we had the Investor Day in New York, right, before COVID started. So I'd have checked, it's probably at the high end of that. But again, we didn't have the full year. We only had 16 days in the first quarter and then the subsequent three quarters. So less capital was invested that was repair eligible.

    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 question. Thank you. Yeah, so traditionally FactSet has sold a lot of data workflow solution through CTS to quants. But that's not the only workflow that we've sold to. So we still do very well selling to quants. But we're also thinking about how do we expand our market share by getting into more workflows across the middle and back office. And as we've opened up our platform and invested in new contents, it's created some great opportunity for us to help clients manage their own data, with our Entity Data map and our Concordance services. Managing data is expensive, and FactSet is really expert at that. So that is one area that we're seeing really good growth from, particularly as we make those services available through new channels, such as, cloud providers that we already spoke about.
We've done traditionally well with performance workflows as well, this was a very good year for us, with our benchmark data feeds. So FactSet does a lot of work to integrate all of the different benchmarks and indexes that are out there that feed into a client's own performance system. So that could be our own performance system. But we're not the only performance system out there. And so there are lots of opportunities here, real times and other opportunities, sort of that trading workflows. So as we've developed more of our own capabilities that we view that as a good opportunity.

    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 mean, look Paretosh, I mean we have to approach it as a neutral event. But obviously, we're always looking for opportunities in the marketplace and to the extent there's any disruptions that might occur as a result of that transaction we intend to be there to take advantage of 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
 
Yeah, first of all, TWS is, as I said in the prepared remarks, is going to reshape and become much beyond than audio device. Now, you can see from the reduction of market share of AirPod that -- the market is growing and the Apple market share is, to some extent declined, it's because there are many companies that are getting into the market. These are -- I would say all the smartphone OEM have today their own brand, the TWS. And there are tons of other audio companies and people that are growing into white box TWS.
Now, we are getting already substantial amount of shipments into TWS. But I think the impact will be seen sometime next year when all those deals that we've signed and we -- just this quarter, we had eight out of the all agreements that we signed, 17, eight were ear-related technologies, could be hearing aid, it could be TWS, it could be somebody that take it to a medical approach. These are, I believe, you're going to see these companies getting to mass market, not just through our Bluetooth, and we have substantial amount of it already, but you're going to see next year when all those people get into the markets in the new form factor of TWS.

    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 are, Mark. Yes.

    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
 
Joy, for the first part of your question, I think the deal closed on May 12 or somewhere in the middle of May, and we were really happy. We got four cross-sell deals into the EHR base close between that and the end of the quarter. So that was certainly very positive. I didn't get the second part of your question. Chris may have.

    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
 
The previous question.

    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, Elyse, there really isn't. We would encourage you -- if you step back and think about it, 2020 was truly exceptional, literally. When you think about COVID-19 and we grow organically 1% versus last year at 6%, which was one of our all-time highs; expanded margin 100 basis points from 2019 [Phonetic] and grew cash as Christa described to the highest level in our history, grew 60% plus.
And this momentum that we've built throughout the year in 2020 is, we believe, is going to carry over into 2021. So there really isn't anything we would focus on in Q4 that you would really over rotate on, but it does reflect really, the great work of our colleagues and improving external factors, which impacted the client behaviors I described. But we wanted to really recognize the performance of our colleagues in the year and that certainly shows up, but we'd encourage you to sort of think about the overall year and the overall momentum that's built and how it's been carried into 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 think, it's going to take us little bit more than a few quarters, but yes, absolutely. We should have $10 billion flowing into interest earning assets over the course of this year at least.

    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 for '19, for the 68 hotels we're selling, we were at 74 RevPAR versus the hotels less the -- so the remaining portfolio of just Sonestas versus 111. And EBITDA was -- again, this is -- I'm giving you quarter numbers, Dori, was $11 million, $11.5 million for the 68 exit hotels. And then for the Sonesta less the exit, we were at about $106 million.

    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. 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
 
Yeah, we have relationships with the vast majority of our tenants and we look to continue to grow with them, when tenants start populating our top 10, we kind of get capacitized with our exposures and kind of stop investing at some point and certainly in managing our top 10 concentration managing our individual concentrations are important portfolio construction considerations that we way and so I would expect the vast majority of our investments to be outside of our top 10.

    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
 
Good afternoon. And because you mentioned Louis was listening, Louis we hope you're doing well and miss you on many levels. Just a first question, and I think Michael's question on the 2021 guidance I think is very, very important, Antonio, because I think we're all trying to figure out what the basis is to work off of for our 2022 and beyond numbers, because it still seems like there's some noise and pressure on 2021. Is that kind of a fair statement to say, "Hey, 2021 is still a year that's got you know COVID noise, some incremental cost and some other things that might not be the best way to think about building off of as a basis here for the trajectory in 2022 and beyond"; is that a fair statement?

    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. Thanks, Kevin. Appreciate the question. So I think there's a few factors that I would point to going into next year.
The first is that we see an opportunity for improvement in the MLR next year. And as you just mentioned, the items that are putting pressure on the MLR this year and particularly this quarter are really largely transitory. And so we think that we can see a better performance in MLR next year. And then secondly, as Mario talked about, we've really tried to take a thoughtful approach in our pricing for '22, where we're balancing growth and margin.
And we think that we have a really good opportunity for another year of strong growth. And I would just point out that scale at Oscar is going to be the driver of profitability over time. So bigger is certainly better, so we're excited about the potential there. And then the last thing I would just mention is that at the total company level, we're also going to start having +Oscar deals contributing meaningful amounts of revenue and margin next year.
So we see a lot of reason for optimism as we go into next year.

    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
 
Right. I guess it really depends on what you mean by the markets turning. Because workers' compensation, as a line, whether you're monoline or a multiline, is still generating a profit. I think even with the estimates that NCCI and A.M. Best has put out, it's still below 100. So in terms of profitability, it's still there.I think it's deteriorating. I think, like, again, I think both A.M. Best and NCCI have projected that the combined ratio is going to go up a point or two, within reason. So in that aspect, the industry is still profitable.
If you mean reaching a turn in terms of...

    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'll leave that second question Andrew to Todd. But I will say, obviously, the U.K. has been very hard hit by COVID and the lockdowns had a negative impact on our business. We also just have some revenue lumpiness in the quarter, because we had a very large piece of business, a non-recurring business last January. And so that exacerbated the decline. What I'll say about TrueVision is that there has been a lot of interest in the product since we introduced it. We generated some revenue last year on a whole variety of customer pilots. We've built a very nice pipeline and we're beginning to convert into recurring revenue some of the banks that are part of that pipeline. So I would say, TrueVision penetration in the U.K. is encouraging and it's very much following the path that we experienced in the U.S. Todd?

    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. Thank you very much, Olivia. Great to hear from you. And we actually were really encouraged that China turned to growth in the fourth quarter. It's what we had projected at the beginning of the year. And I think we have a really good plan going forward. And Ryan, why don't you speak to our China plan?

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