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
 
Scott, I don't know that we have a sense for, yet we saw just a little bit more in Q4. For the year, losses were 14 basis points. For the quarter, 26 basis points. And it was primarily related to one buffet style concept in which some stores -- we've learned some stores in that -- with that one borrower, not going to reopen. They've closed permanently. And so we made a partial charge for that. We had limited deterioration outside of that. So, it's difficult to say. Right now, I'd say they're still going to be on the lower side. As we get further into the year, we may have a little more clarity. But it doesn't feel like a significant increase in charge-offs at this moment.

    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. There's a couple of components, Ken. I will say, from a positioning standpoint, as I said, we do have a modest steepener on. We added roughly $10 billion in hedges in the fourth quarter at the longer end of the yield curve and we also actually added a little bit very early in the first quarter of this year, and so we feel good about the positioning.
We're right around five years, average duration of our hedge profile and our mortgage portfolio is roughly half of that. And so -- and so from that standpoint, just a pure steepening of the yield curve with spreads unchanged, we would benefit modestly from that, we think. Now it is somewhat of a double-edged sword because the steeper the yield curve, the more expensive it is to hedge. Your pay rate on new hedges goes up, while your receive rate stays very low as the front end is anchored.
Another point to note is that your hedges do roll down the curve and they roll down at a much quicker pace than agency assets do. So as that roll-down occurs, there is some mark-to-market deterioration as a consequence of that. But nonetheless, a steeper curve would probably -- would modestly benefit us. And if Ilker --

    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, Richard.

    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 I want to kind of avoid specific quarter-to-quarter color or commentary. But I think -- maybe the best way to answer it is, yes, we do have the benefit of seeing kind of much of the first three months of this fiscal year, which gave us more than enough comfort to say that our floor for growth should be 25% for this year. How it exactly plays out, I think I'd rather refrain from speculating.
But we're in good -- let's just put it this way, we're in good shape as we kind of close out this quarter, and we have some puts and takes on the way that we work with our channel partners to kind of close that actual number. But it helps we have inventory. It helps that we're able to get product and have it available when people want it. So we feel good about where we are.

    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
 
All right. We'll take the next question please.

    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. Your development margins improved to 30% to 40% this quarter. I realize now you are expecting cap rates -- or you're taking that your assumption by four basis points, but can you provide the breakdown of the margin improvement between higher rents, lower cap rates and costs?

    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, this is Emily. Let me maybe start by making a few comments. So we don't usually provide guidance beyond the first quarter. I think Dr. Lu mentioned before overall, the markets feel extremely dynamic, right. So we just need to monitor the situation closely. I think overall, this is not specific to Diodes. I think everybody expects 2021 to be an up market. I think we're definitely not in the position to call the percentage or provide guidance at this moment, but we'll keep you posted as we progress throughout the 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
 
It is. We think it's very unique. It's what's happening in this case whenever an end consumer initiates a refund request, we're creating -- we're checking to see the legitimacy of that request, right? Are you just, you know, receiving your package and you want another pair? Will you actually ship back your kind of -- the order that you -- in order to get that refund? So we think it's an incredibly complementary product, and it generates significant cost savings for the merchant.

    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. Good morning. So I'll just preface my remark as I'm kind of working without a net here, both Internet and our network are down here. So I'll apologize in advance if I am asking for some information that was in the slides or whatever and making you repeat yourself.
Okay, I did want to kind of follow up on your comments about raw materials, inflation and supply chain disruptions. And in particular, I was wondering if we could focus a little bit on non-North American assets of yours and, in particular, let's start with Europe. In the last few weeks, I mean there has been a number of stories talking about the extreme levels of energy costs, power costs and resulting shutdowns or curtailments in production by a number of manufacturers there. And I'm just wondering about maybe if you could put into context your comments about maybe disruptions kind of peaking around here or being of kind of a limited duration before things begin to return to normal.
In other words, what gives you confidence that the extremely elevated gas costs and then the power limitations particularly heading into the winter months will not prove to be kind of a longer term issue or disruptions may even increase in intensity? 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
 
Thanks, Winnie. I think on your first question, what we have just disclosed for the second quarter on the overall portfolio is that the APR is 24%. And that's down from 26.7% a year ago. We don't disclose the rate for the new loans.
But what you can very clearly calculate is in order for us to go from 26.7% down to 24%, that means that the new loans that we've been issuing clearly have all been below 24%. And at least a couple of hundred basis points below 24% in order to get that overall average of 24%. And so this is something that we've been doing for some time, and we'll continue to execute that.

    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
 
Yeah. So let me -- on your first question, look, I think it varies by customer. Most customers are very understanding. They are super frustrated with the lead times.
We have -- where we have situations that we need to deal with specific customer issues around budgets, et cetera, our teams handle that specifically with the customers. But in general, I think that they understand. And many of our customers are doing the same thing to their customers. So this is the whole inflationary trend that we see across the entire economy.
I would say that -- a quick comment on -- before I hand it to Scott on the second part. I think the -- you know, we did talk about the first half of last quarter, we did see some deterioration in the -- in our supply chain component availability. And then we saw it stabilize in the second half. So that was good.
And we're planning on seeing some slight improvement in Q3 and Q4. We don't expect a lot of -- we expect it to remain stabilized in Q2, and then we think we'll see some slight improvement in the second half of our fiscal year. That's our current belief based on what we know today. Scott, you want to talk a little bit about the second part?

    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
 
Thank you very much, operator. I guess it's time to hang up.

    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, let me, that's a great question. Tyler. This question is spot on. Let me ask Stephen, if he can comment on that.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thank you, Emma. Let me get the first simple question out of the way. In terms of the settlement in second quarter, well, basically when clients came to us and asked for a little bit more time and negotiated for the settlement plan or usually -- obviously, we'll cope with that. So there will be -- here there are some settlements done during the second quarter. We had about additional 30 people to 40 people that came to settle with us in the first half of the year. But obviously, we're not going to go ahead and do any broad offering or any new type of settlement plans. So they will come and take in a relatively similar settlement process to what we had offered in last year. So I'll hand the question to Wang. [Foreign Speech]

    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 would say, yes, we were pretty pleased this quarter to have our core yield actually pick up a basis point or two. No question, that's a challenge in this environment as the book -- as loans we're putting on are averaging right at that 4 to 4.25, so a little bit below what we're on. Now keep in mind, some of the loans that are paying off that Matt talked about earlier on the early payoffs were some of our acquired loans that were pretty low rates, so you're actually -- that's where you're picking up some of the accretion on the volume there, but again it's a constant process on trying to manage that and it's going to be a challenge to maintain at those levels continuing to go forward. But, our goal is to keep it in that line or drop just slightly.

    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
 
Jim, I think what you're asking. Please let me know if I'm not answering the question you're asking. Look, we think that the box office is going to recover beginning. It's actually obviously began in the second quarter, it's going to further in the third quarter, the fourth quarter as I indicated the line of films is outstanding and I didn't even go into the lineup for 2022. We've done that before, but I mean it is really outstanding. Now the question is, is the box office is going to recover 100% or 90% or 85%, I think that very hard to predict and guess against. But I would put it this way, we are very, very well positioned to be able to adapt to that to make sure that our profitability returns to a level that is acceptable to us and to our investors and we're just going to have to see, I mean, we don't know is the box office going to return to a 90% level or an 85% level.
I am assured of this when people have the availability, when COVID is less of a concern to them and obviously we've had a hiccup relative to the delta variant that I think we'll obviously work its way out in the coming months. There is a big desire to return to the theaters. And so as we look forward, we model our own projections on several different areas. We look at 100% on the upside and then we project out several different categories being ready and willing to adjust our business as necessary.

    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
 
Do you need any follow up on that?

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. I mean, we have plans in place where we sort of give guidance to the firms that are managing it for us. So we're not day-to-day managing it and adjusting it. But I think we believe that when our stock was down below book value, it was an obvious buy opportunity.
And even as we move forward, given our prospects and we think our ability to grow book value, I think we'll continue to look for opportunities. But as the stock has moved higher, probably not surprising that the pace slowed a bit in Q2. But we continue to be believers in our own story and the value we can create. So I think we will continue to look for opportunities.

    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, Joel. Well, I'm going to turn this over to Jenny to talk about the growth of the lithium iron phosphate battery market. But you may be aware that I think Elon Musk just committed to using the -- those batteries in the cars, the Model 3 in China and has talked about building an LFP plant here in the U.S.
So there's no question that is coming on. In terms of purified phos acid, you are absolutely right and we are absolutely doing research into how we can create purified phosphoric acid, although I would say it's a little early for us to tell you either the cost or the capital. But Jenny, can talk to you about the LFP market.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
That's a great question. There is. And as we watch lead demand day over day, quarter over quarter, we'll adjust both our brand spend and our performance marketing spend, which is focused on lead generation to match that quarterly change in demand profile.

    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'm kind of go back to, as I mentioned before on that increase we had Steinbruch there's multiple factors with export supply chain cost increases, geographic mix and the improved market demand and each of those factors are relatively similar contributions that increase. And I'm not going to break it down any further and that just going to want to get too specific in there, but can you give us a sense of where things were.

    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
 
Jason, I would say that on a year-over-year basis, pricing is going to contribute sort of up to mid-single-digit growth. And it's going to be offset by sort of low single-digit growth of volume/mix/other. And what you have to be careful about in the volume/mix/other is, one, it's underlying business momentum for the Smucker's Uncrustables brand, continued advancement of Café Bustelo and Dunkin', and advancement of our pet snacks portfolio, along with a return in the Away From Home business. But then it is offset by a decrease in at-home consumption.
It is also offset by supply chain disruption, which we are experiencing through our pet food portfolio, particularly in wet pet, and it's also offset by any additional trader promotion like you've talked about. But that trader promotion isn't the biggest bucket of what's causing sort of that change. And then lastly is I would just acknowledge that in our volume mix bucket, we also have factored in price elasticities for our pricing actions across the portfolio.

    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
 
Great. Thanks, operator. Thanks everyone for joining us this morning for our quarterly earnings call. Please feel free to contact me if you have any questions, and we'll look forward to speaking with you again soon.

    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
 
OK. Thank you for taking the question. Good afternoon, guys. So you mentioned that your commercial business has further accelerated.
Are you able to put a finer point on what you're seeing, you know, anything, Dean, in terms of transaction velocity, deal sizes, etc.?

    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's the other benefit of our ecosystem strategy and the fact that we have two is that a lot of what we build for Cash App might be able to find its way easily into Seller and vice versa. And we've demonstrated that in the past. So we expect a lot more of those internal efficiencies and eventual future sharing as time goes on.

    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. Dave, from a cadence standpoint, we still do expect revenue to be slightly back-end-weighted kind of second half versus first half as we think about the movement of it through the year.

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