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
 
Thank you. Good morning. Two questions, you know, one is regarding M&A, as you describe it. Can you talk about opportunities if you're thinking of opportunities overseas or say in the U.S.? And related to that, I'm assuming that because of your U.S.
listings -- soluble U.S. listing, you are more limited in terms of doing businesses or acquiring businesses in the U.S. And the second question is more on the operational side. I understand, you know, you're going through a transition period, you have a war chest there with all that cash that was raised, but you have reported sales to the provincial board, say about 37% sequentially.
Can you give some context around that number? You know, what were the retail underlying trends? I suppose you were better than minus 37. And then, just elaborate in terms of what you need to do better to improve that number, right? What I'm learning, and maybe I'm wrong, is that small companies can do very well in the value end or the lower price points, and other companies can do very well in the high premium, but the scale doesn't necessarily seem to be a recipe for success necessarily, right? So just talk about how you can improve the business relative to what was up, you know, the job that you reported in the first quarter. 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
 
Hey, good morning, Antonio. Good morning, Scott.

    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 and thank you for taking my question. Most of them have been answered already, but just to come back to COVID as it relates to the Central Hudson settlement. Just wanted to clarify, there's some language in there about I believe it's Central Hudson potentially convening some discussions to specifically discuss the resolution of arrears that are related to COVID. I'm just curious, absent much updates in the generic New York socket, have those discussions taken place? And if so, can you give any update there?

    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
 
There's Matt.

    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. So -- so, I'll -- I'll start with GSIB if we take that in turn. So, starting with GSIB, as I said, we do think that we have opportunity in the SCB. Of course, that's scenario dependent and based on the Fed models.
But we do think we have opportunity there based on the work that we've been doing. So, it will be very difficult for us to get back to 3.5% with the current expansion. So, we are expecting to remain in the 4% bucket but as you know that's not effective until early 2023. So that gives us time to manage SCB as I mentioned as an offset.
On -- on the leverage issues, we have, you know, we can cure this through issuing preferred but we haven't made that decision yet, as I said, because it is -- it is a -- it is a critical decision for us to think about. And as you think about capital return, it would depend on where our stock prices as we think about the economic value of issuing preferred to buy back stocks. So, there is a lot for us to think about over the next couple of months.

    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, never take success for granted, and we continue to focus intensely on making sure that our differentiation is very real and very unique. And I would say that as of right now, we feel very good about our competitive position and this is one of the reasons why we have that degree of confidence in our ability to outpace the market in 2021 and beyond.

    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
 
If you look at security, you can see in the net we've grown about almost $1.1 billion in the fourth quarter. Well, we've purchased more than that. I think we pushed almost $1.8 billion which the net came out because of the speed up we see of paying off. So, I mean, the investments of course we're bringing -- I mean we're doing a combination of some of variable rate and -- but it's a little bit not much, but most of them we're doing fixed rate that we use because of the just liquidity we had. Even with that, we still had -- we still have $1 billion liquidity because of the paydowns of the PPP loans and such. But if you look at our securities, I mean, we're putting about 1%, $1.25%.

    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, Hunter, that's not what I was saying. What I was saying is that the fleet actions we've taken give us the potential to add seven points to our capacity profile by '23. But I was also noting the flexibility that we continue to have with some of the flex fleets to go up or down. And I think the teams have positioned us really well to react to what comes at us in terms of the demand environment.

    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 let me talk about the multiples first, and Jim, you can jump in on the leverage guidance. And obviously, for every quarter, we give very narrow guidance. We have precise guidance, and so we can basically help you with your model there. But on the multiple side, quite frankly, we like what we see. We always have the ability for very -- for high-quality, fast-growing firms to flex on the upside. Yes, we have -- for smaller firms, for mergers, some of our international deals, we see very attractive multiples.
Ultimately, we will give you, again, on Investor Day, an update on the returns that we are generating, and they continue to be very, very attractive, so we are very comfortable where we are. We use the flexibility that we have when we have to, but first and foremost, just look at the quality of the firms that we are bringing in. Thirty-one deals year to date, this is going to be our most successful M&A year, and we expect to achieve, again, very, very attractive returns on the -- on, let's say, the 2021 or what we expect will be the 2022 vintage of partners joining us.

    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 are. As we've talked about before, there are a lot of people who are home and are caring for mom or dad because they're working from home. So as kids return to school and adults return to work, we think there will be a need to move those -- that parent or parents into senior living communities.

    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've always considered geographic expansion as a benefit. We are going back to, if you look at the -- think about the Heritage Oaks acquisition expanded us to the Central Coast where we had not been before, the Grandpoint acquisition expanded us into markets in Arizona and into the Pacific Northwest, albeit on a relatively small basis. And then in the franchise lending the HOA lines of business, which are nationwide and Pacific Premier Trust and Opus, those expanded us geographically.
So we are certainly open to geographic expansion where it makes sense. And as I've shared in the past, whether it's California, the Pacific Northwest along the Rocky Mountain range or into various parts of Texas, we think certainly of Dallas, many of those markets are very attractive.

    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, Mark and Javier.

    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
 
Hi, good afternoon. Given consolidation in the shopping center space, does having two larger peers in the space changed the competitive landscape? Like maybe in terms of acquisitions or conversations with tenants from a leasing standpoint?

    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
 
Come back for a third.

    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, the competitive situation has probably calmed down a bit where we've had a number of meaningful M&A things going on around here. So that certainly distracts people. And so I think it's still very competitive, but it feels not quite as down and dirty as it had been. I think Carl mentioned what the originations were at. Pipeline is very strong.

    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. I mean, we raised that money in part with that in mind. We continue to have to be very engaged in the ecosystem. Fastly is not a business that's grown over its 10-year history.
We now are at our 10 year anniversary. So congratulations to all, but we're not a company that's grown by having M&A -- continuously doing M&A. So I think what you saw in the Signal Sciences deal of the hallmarks for what we're going to be looking for, which is the best technology, the best people and a real overlap with our customer needs. We're going to be picky in that regard.
We're going to continue to -- but we will continue to look for opportunities. So that was a unique asset. We'll continue to look for unique assets and if one pops up and it meets our criteria, which are pretty strict, I could see us acting, but it gives us that opportunity, which is fantastic. And we'll see what the future holds in that regard.

    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, we hadn't changed what we have in our framework of 20% to 30%. So, we hadn't changed that, but we're definitely working down from where we are now. I don't know that we've changed our -- the endpoint at this 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
 
Yeah. So, Derrick, good question. And as I've mentioned before, the margin does move around. It's kind of similar to the fact that we've got this usage-based model and the type of data that's ingested, the mix of the data can potentially impact the margin.
I wouldn't read too much into the margins in Q3. It was an awesome quarter. I'll take 74% blended margin any day of the week. The margins in Q2 were a little bit lower, that was an outsized performance quarter, but still 67% year-over-year growth is also outsized and exceeded our expectations.
So, we're really pleased with the 16% beat.

    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 we actually saw improvement across all of the business, but I think most notable drivers of the year-over-year ARPD growth after you adjust for those invoice credits are going to be fueled continued growth at DI, where we're seeing more of our DI customers are also on marketplace, which is highly accretive to ARPD and then some improvements in over the core marketplace ARPD product, so benefits across all the products.

    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
 
Whether it's weather or grains, we will always be looking for the high-value and the most valuable cattle in the market. It's not really -- at this point, not really the time we can project out. Impacts from that, although our team has done a phenomenal job at buying in the marketplace and making sure that we get the right cuts, and we can put those out in the highest margin, highest value. We have invested substantially in our portion business. We have capacity coming online in a couple of places in this year next. And I think that's going to actually continue to support both Beef and Pork in those businesses as we continue to add value and really meet the customers where they want to buy them with the portions and pieces that they want.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah. I mean, Ryan, the specialized rates are going to be tricky for the next two or three quarters from a comparable basis, because that was really when the wind energy. So we saw a little bit in Q1 and then in Q2 and especially in Q3, it was really strong. And those rates are -- as you know, the way that business is, it's not about the rate per mile, it's about the rate for the move, that the overall payment for the move. And they're usually not really long mileage moves. And so those rates are unusually high and skew those data points.
And so, I think it's important to keep that in mind that those Q2 and Q3 are really tough comps from a rate perspective. And that -- we really won't be normalized, again using air quotes on that kind of rate normalized rate trend until we get past those periods.

    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. OK. So basically, that's a question about the management buffer and a question about what we would do in a world where GSIB doesn't get recalibrated. And a world where GSIB doesn't get recalibrated is a world where our capital minimums are quite a bit higher starting in 2023.
We obviously disagree with that. We don't think it makes any sense at all, given that a big part of the driver of that increase in the amount of capital that we would have, and as Jamie pointed out earlier, both we and the system are really flushed with capital. And the regulators have been pretty clear that there's enough capital in the system right now, and that growth would increase that amount quite a bit for us and for everyone else. So that's a big part of the reason why we've been so vocal for so long about the need to recalibrate that.
And I think we see some of our competitors making those points, too, as they start to creep up into higher buckets. And to be fair, the Fed has acknowledged that this is a thing that used to get fixed. It's just that they're kind of busy trying to get the Basel III end game put in place in the U.S. rules, which brings particular complexities in light of the Collins floor.

    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. Good morning everyone. I want to add my congratulations to for both Tony and Adam. And also to say Tony it's very nice to have this happen in a quarter when it looks like container EBITDA margins were above 20% because you did take a lot of heat if we go back several years. I want to for my first question I just want to go back a little bit to these cost issues and I'm curious Adam about the impacts of delayed pass-through on resin in both containers and pumps and dispensers. But I also wonder if you could talk a little bit about the labor issues over in Metal Containers, because a quarter ago you were talking about having hired like 100 new employees in the can 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
 
So Emmanuel, we -- I would say that it's -- the production rates are skewed higher as we get through the year. Some of the near-term issues that we've talked about with the short-term shutdowns of the truck plants and what we keep reiterating about semiconductors, I think it's a little bit of a different challenge than what we've seen before in just terms of broad semiconductor supply, it's about throughput, etc. So we have continued to believe that as we get into the fourth quarter, some of the underlying semiconductor challenges are going to start to abate. We don't know that it will be fully resolved then, but we're being cautious and we're seeing signs for improvement.
And as we've said, you can see light at the end of the tunnel as we're getting toward that. So production rates naturally be higher in the fourth quarter than the third.

    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 would say, I mean, the rates we're charging those are adequate and we're earning like a really high margin. I would just say the industry has had some challenges in those areas. Commercial property has seen a lot of cat activity in the industry. Allied health there's just been a number of competitors that have sort of blown up writing that type of business. And excess casualty is a fairly common thing you would see in a market turn where people kind of get burned with soft market practices and then have to course-correct and that's what we see going on. So -- but I would say we feel pretty good about our rates and our experience in this.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah. I wouldn't rule anything out at this point. But I think, clearly, since we are aiming for the chronic administration here, this is a -- unlike some other psychiatric conditions that are more episodic, PTSD is pretty much a consistent chronic disorder. And as such, there are likely to be requirements for numbers of exposures needed for certain durations of time from a safety point of view to get to an NDA.
But everything is always -- it depends on the perspective of the urgency of the unmet need as well, of course.

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