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'll start and then Brian can talk about the RSA. But look, I think one of the things that we have said for a while now is that we believe that we have a unique insight into the whole healthcare wellness space given our CareCredit platform. We've expanded that platform all through last year as we've expanded into hospital network through just our acquisition of Allegro Credit. We believe that consumers -- and by the way, it does sit in CareCredit. So I should clarify that. Does sit in CareCredit.
We believe that the everyday spend around wellness is an area where consumers are looking for rewards. We believe Walgreens is a great partner, because we were already in there accepting the Walgreen -- the CareCredit card. So, we believe this space is a real ripe opportunity because of our unique knowledge and experience in this space for over 30 years, and we really see Walgreens as a way for us to really continue to expand and differentiate ourselves in the healthcare business. I don't know, Brian, if you'd mention the RSA.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
I guess it's your definition of similar. So we're anticipating similar pricing. It could be better. It's obviously not going to be worse, we think. But at this point, our view is similar.

    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
 
Oh, yeah. So as we look forward to peak season coming, we've been performing -- the numbers we put up in Q1 are what we typically see in summer months when things are really strong. And so the position of our portfolio puts us in a really nice position. So when you think about our renewal ask out into the summer, we went out in May with an ask in the high six's. June we're asking around seven.
In July, we're asking around eight. These are all on renewals, which is an indication of the healthy strength of our portfolio. And a lot of that is buoyed by our occupancy rate how we're executing the teams are doing a phenomenal job and the new lease rates that we're starting to see forward. And today as I mentioned, on the previous question that for April, we're north of 10% on new lease. So that gives us a lot of strength to think about how we want to go about positioning the portfolio and capturing the strong market that's out there.

    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. So actually, what we're seeing inside of our footprint is exactly what we're seeing outside of our footprint. So on the construction side, residential, that's very hot for us at this moment. Homes take five to seven months to build, they're extending out a little bit longer than that because of some labor shortages and some of the cost is a little bit higher. But once they're built, well, they're sold rather quickly. So one of our struggles, of course, is how you keep those really good loans outstanding for a longer period of time. But the construction side, single-family residences are really hot. Built-to-rent opportunities, which for us are mostly in our footprint, more so than outside of our footprint. Arizona seems to be the build-to-rent capital, the outskirts of Phoenix in the West Valley seems to be very, very active, and we're doing a number of deals there.
I'm going to let our Chief Credit Officer, who's been sitting here patiently and hasn't said a word, Tim Bruckner, Tim, do you want to comment on this?

    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
 
Jeff, it's Ron here. So on a -- excluding the merger-related, our best estimate for the fourth quarter is $122 million to $125 million and that run rate will stay probably true for the first quarter and then in the next year and then the second quarter as we begin to really get into the cost savings that we modeled that could come down. So, it just depends on how fast we're going to realize that. In the merger model, as we published, we said we could save 17.5% of their non-interest expense and that would be over 2022, so all of that.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah, you're coming through. Okay Quinn. I don't hear David, maybe.

    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
 
As a matter of fact, the bulk of that -- so that's $1.6 billion and the rated floor is around four percent, similar to last quarter. And about 2/3 of that would be 75 basis points or less and the remainder at more than 75 basis points. There's also some that are not related to rate but related to time to repricing, Brody. And that's give or take, a little bit -- it's about 25% of that total.

    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
 
Personally, I have no idea. They were supposed to do it long ago. I don't know what they waiting for. I don't get it, but that's -- Zafar, do you have any more clarity on when it may come out.

    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, no sir [Phonetic].

    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
 
Donn?

    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, look. I think, you know, look, incrementals will start off naturally slower when you're just working on activity ramp. Clearly, there -- there's a lot more punch to incrementals when you start to get pricing as well. We're not there yet as you've heard us say on the pricing side.
But I think our incrementals have been very healthy as it relates to just the activity improvement in North America. And again, it goes back to the things that we were doing around the structural cost initiatives to -- to get the cost structure right in this market and to watch that business improve on activity alone has been -- has been good to see.

    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. Can you talk a little bit -- you mentioned it briefly in your prepared remarks about net customer wins in Global Solutions. Is that showing up in 2021? And what do you anticipate for 2022? At this point, I'm guessing most of the RFP activity is probably completed.

    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
 
So, Dave, thank you. And let's talk a little bit about the medium, long term rather than next year. As I reiterated on my script, the medium, long term, we continue to believe Global Client double-digit to low teens is the trajectory we are back on to. Obviously, last year with the pandemic, we didn't grow as much. But otherwise, we've been on that long-term trajectory for many years now. And we think we are back on to that trajectory. So we feel very good. I agree that we got there a couple of quarters earlier than originally we had thought as we concluded last year and started this year. And therefore, we feel good about inflows about our pipeline, about bookings, about the mix of our business and the fact that it's pervasive across all our industries, including, by the way, banking and capital markets, which if you take out the impact of the one client we talked about end of 2020, it's actually doing very 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
 
Yeah, for us it was twofold really. You have -- we think we were acquiring the customers add a particularly attractive acquisition cost and the ability to fold it into Caesars Rewards quickly in their capabilities positioned us well to start to grow that business and it was also an obvious hole in our lineup as we talked with our partners in the sports world both teams and the NFL itself. So we -- that was effectively what we did was we rolled our flutter stock that we got in the TSG skins deal into -- the investment into super draft, which given. What it happened to flutter stock and where we think we can take super draft, we thought that was a good trend for 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
 
No, nothing unusual. Obviously, the gas strip has had quite a run here. And as I said in my introductory comments, that's reflected here. NGL pricing could be a little bit of a lag. So a tailwind on NGL pricing into the fourth quarter, I think, is something to note as a lot of operators are announcing pretty significant increases in those NGL realizations. But those are the realized prices that we were paid from our operators this 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
 
No, I mean there's some new validations that come into play where we're waiting for customers to help do validations across the two businesses. I would tell you also, sterility assurance, there's -- remember about 40% of Nelson Labs business is taking product that comes in often from sterilizers and just validating the sterility plant's work. So there is tie in there. It's on the new product development side, where there might be a little slower pipeline as we told you ramping that up that might cause.
And then there's a couple other sections that aren't directly tied to terminal sterilization that we're seeing some regulatory delays and that's causing a little bit of a pain on Nelson but not directly impacting Sterigenics.

    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, everyone. Good afternoon. Thanks for taking my questions. So, on Singapore, how do you think about margins for this property over the next couple of years? I think there's a higher tax rate that goes into effect and potentially impact from construction disruption and possibly some of the costs you were able to optimize over the past 18 months.
So, going forward over the next couple of years, how do you think about that given the expectation for pent-up demand to come back 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
 
Thank you, Steph.

    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 Michael, I would say that what we see with our cost going up is very broad. I mean it's broad across geographies, it's broad across product segments, it's broad across channels. And so that would include what we see in C&F. So our cost for our products in our Convenience and Foodservice segment are going up as well, and so we would anticipate pricing in our Convenience and Foodservice segment because we see our costs going up.
And so in this environment, there's obviously not only inflation improvement kind of everywhere. And so it's no different in C&F. And so we would anticipate prices going up. In fact, we've already increased prices in the Foodservice segment because our costs are going up. And so -- but what I will also say is that we're very confident in our Convenience and Foodservice business to return to growth this year as schools reopen and as people get out a little bit more. We're well positioned to capture growth that returning to that 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
 
You bet, Steve.

    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 it will depend on mix. As capital kicks in, that will put more pressure on free cash flow conversion as we head into next year, but we do expect to stay well above -- or stay above our 100% goal and we remain very confident in doing that. So as we head into quarter four, we also feel good about quarter four as well to stay within our expectations. So we've done a lot in this area, particularly with our shared services, receivables collections, overall cash conversion cycle, reduction across the organization.
There could be some pressure on inventory as we continue to manage through some of these supply chain challenges and make sure that we have enough stock to weather any hiccups that we get from suppliers, but we feel very good about collections and we also feel very good about our payable process as well to help offset the majority of 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, I'm sorry Stephen -- I don't know, you've referenced that. It's a thought, and you're exactly right on all counts we're accumulating a lot of capital. We expect that to continue buyback of shares is a possibility as we move forward over the next couple of quarters. We're certainly at 1.5 times tangible we're sort of scratching our head and so that makes the buyback look more attractive and so it's a consideration for us.

    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
 
So our studies were -- well we conducted one trial, our pivotal trial and also just our currently ongoing study is or were conducted in patients who are based in the community. And we did that for a lot of reasons. And then, so there is no reason to believe that the drug would not work in any setting. And the reason why we focused on community-dwelling patients is, one, you want to prevent patients from actually being institutionalized. So if you can treat them, you want to keep them out of the hospitals and out of nursing homes. And so -- and however, once you're sure that the product works, so there is no reason to think that the pharmacology is going to change depending on the setting.

    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
 
Ken, so our guidance is end of period loan growth of 6% to 8%. So with the NII, obviously following that average loan growth for the year. I think in general, probably when you look at that might be on the lower end of that 6% to 8% and probably what makes sense from that calculation.

    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 really appreciate the question because Dolce Vita is doing great. I think they had a really incredible spring season, the best, I think, that they've had in a long time. Really strong selling across a number of products and categories but also one sort of home run item, that's probably the best item they've had since we've owned them, I think, it's got to be up there. So great momentum in the wholesale channel, also on dolcevita.com. And that's one also where without -- if not for the supply chain disruption, they would have really been able to capture a lot more business. And that is the one area of caution with Dolce Vita going forward, is that we make the majority of our Dolce Vita products, pretty much all of our first tier products, in Vietnam, which is obviously dealing with a lot of challenges with COVID right now. And in fact, a number of their Dolce Vita factories are shut down. So we have factored that into our guidance. But generally speaking, consumer demand for the brand is very, 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
 
Hi, Tim.

    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
 
Thanks, Patrick.

    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 regarding the last part, I mean we are expecting to finish our ESG framework by the end of the year maybe early next year. And with that in place, definitely we will try to get as much as we can of our funding from the market on in ESG labeled format. For that, we think that it's important to have a robust and very formal framework in order to avoid any kind of reusable greenwashing argument or so and that's why we have been working and we will comment later, I mean next month in our ESG talk about 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
 
Thank you, you guys look great in the video. I had a question on the occupancy pickup you had in April to 96.6%. Were there any particular markets that drove that figure higher? And do you expect it to remain at this level for the remainder of the year? Or do you expect it to trend back down to 96%, which is where you operated back in 2019?

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