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
 
It's a good question, David, and we continue to look for ways to add value to the portfolio in the bag. So I would just say, we've got kind of a search and evaluation team out there that continues to look at opportunities to add incremental value to our offerings and I'd probably leave it at that for now.

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

    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 was my -- that would be my expectation.

    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, I think just to remind you of the timeframes, we did actually submit our application for the transaction on October 6, so that is in. Our expectation is, close sometime late first quarter, early second quarter with a conversion, integration in the third into the fourth quarter of 2022. As we talked about on that call, we would expect about 75% of the savings, the efficiencies to occur in that first year 2023. And as we also talked about, Betsy, the real benefit here is, we have the platform and it's a lift and shift from what they do to our platform, which allows for the majority of the cost savings. And the second enhancement on that is, our platform has more capabilities and in my view, have more opportunities, a better customer experience, and more products and services. So there is also a revenue component as well. So in that mind -- in that view, yes, it is more than just one plus one.

    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, I think it's very supportive of the goal we have for getting EVs on the road and everything that comes with that. And one of the things that we all know is that the range anxieties that consumers have, justifiably so, would certainly be diminished if you had 500,000 charging stations out there as proposed under the plan. So it's only going to be helpful, and EVs are great load for us, and they benefit all customers. And really, I think we're pioneering subscription rates and other things that encourage, not required, but encourage customers to charge off peak. And I think that minimizes the -- we'll have infrastructure needs, but that will minimize it again for the benefit of all customers, keeping prices low. And I just think the economics associated with the electrification of transport are pretty compelling. And this is only going to help accelerate that. So it's very positive.

    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'm sorry, Vijay. Can you repeat that 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
 
Yeah. Brett, we always want both, right? We want traffic gains, and we want to preserve our margins. So that's really what we're trying to do. And I can't speak to other companies, but I can speak to what we did.
And during the pandemic, we didn't let anybody to go, we didn't furlough anybody. So, when the business came back, our people were already there. And if you look at our employee engagement scores, and our turnover scores are both really great compared to the industry. So, we have certainly taken the right labor profile to grow the business.
And I just want to underscore to you and all of our investors and analysts, our job is to do both, manage the margins, and grow traffic, and we will definitely do 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
 
We're definitely working on it. It's a little soon. But it seems logical that given change in to-go business from a couple percent a few years ago to 20%, 30% now that there would be some changes in the physical layout of the building. So that's something we're working on, but it hasn't happened yet, but I think it's quite logical that it would be something that would happen in the future. And you're seeing in the existing acquisitions and a real premise [Phonetic] of the drive-thru is how I would describe it. So, brands that were dipping their toe in the water on drive-thru like Panera and Starbucks are now very much drive-thru-centric.

    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
 
No. They -- so their price for the -- the blended price effectively for the energy and the environmental attributes is fixed. So, whatever ends up happening with the value of credits, whether they go up or whether they go down, that would be something that is really for Pembina's account.

    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
 
Not much reason, but pretty much because we have a successful expansion in Taiwan, and also a build in business automation, including the auto configurator and B2B/B2C tool. And also a company expanding from a hardware solution company to a total IT solution company. So we saw it's a good idea to open the market, kind of more completed picture for the whole year and for the future.

    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, good morning Mr. Obin. You 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
 
It's the former. Robert, at this point in time. Like, again we deliver the product. We load the vessel, and Mitsui is selling that product. And as Mick said, we're covering our costs for 75%. But it's essentially, those barrels are selling into the Asian market at this point. And so, that's how the deal struck with Mitsui.

    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, it's something that we talk about often and we talk about it with that important customer. And it's something that we've considered, but I wouldn't expect it to happen in a real short-term.

    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, this is John again. Right now -- and again, it varies by operating hours. So, as we've improved sales, breakfast looks good because we're helping breakfast, and dayparts actually performed pretty well for us year-to-date. It's our best performing -- weekend breakfast are best performing daypart overall. This where we have the deepest equities. And then of course with virtual brands, dinner late-night has done really well. So it's a great question. But so far what I'd say is the more people want to do breakfast and all the complication of managing and all the day menu with the breakfast go ahead and give it a go and go loud on air and advertise it and you will help us out quite a bit. You're selling some of our breakfast. We were happy to see these initiatives unfold.

    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 would not make that assumption given what we're seeing in the supply chain right now. Again, I was really impressed with the way the team managed through supply chain issues. I mean obviously we all know what they are in the first quarter. We are not seeing them abating.
In fact, we saw them get worse toward the end of the quarter. We managed through April. It was difficult, and we expect it to be difficult, but get slightly better as we manage through the year. So that's what we're seeing. But there's no reasonable way to expect that we're going to be able to take the first quarter margins and grow them going into the second quarter.
It is a challenge that we're working through and we will. We're very focused on delivering for our customers. We're very focused on getting the price to cover our activities. But it's not an external scenario with the supply chain that I would bet on margin enhancement going into the -- from first quarter to second quarter. Obviously, we do expect things to -- we'll manage them and they'll improve throughout the year but that first quarter to second quarter is not one I would bet on.

    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, happy to take that Ashwin. The overall size of the SRTC market by the way is as large as the private operator bus market as well. So the difference was, and which is what trying to highlight the benefit that has happened during the pandemic, the difference was that the private operators who are coming online or had already come online in a big way and this is sort of becoming more tech-savvy or -- and we've been also getting -- helping them with their tools, etc., to get their inventory online. The state transport undertakings were taking time and for various reasons, right. So not necessarily all of them were absolutely up to speed in terms of just bringing the entire inventory that they had on the online platform. So, what happened during the pandemic with the last or over several quarters now, I mean just over a year as the COVID onset happened last March that the offline distribution sort of dried up and then there was a clear desire and a lot of the efforts were put in on to bring that inventory online. So, as a result of that, what inventory levels we used to have it on our platform earlier went up by 33% as compared to what we used to have at pre-COVID level, but in terms of just seats, it is pretty much the -- or the value terms, it is the same size as the private operator bus market 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
 
This is a transformational change on culture. That's been my desire. That's my goal. Like I said previously, we are not going to be running a thrift. This will get us there. This is a major step in changing who we are and where we're going. We're bringing on tremendous leadership. Lee Smith, Sandro, we have Reggie Davis, who's got a tremendous background in this, he is a proven entity. He will be very valuable to the organization. They are our partners. They will help me move forward to build a full-service commercial bank. This is one of the many steps that we'll do, it changed the culture of this institution. We are not going to run a long-term view of being a thrift. So this is a tremendous step toward changing the culture.
So yes, we're going to embed the culture together. And clearly, this is a transformational cultural change for the company. And we're very excited about it, very excited. It will be our leadership in people, having the right people in the right places. And maybe Sandro can add some color to that. Sandro obviously has been there a long time doing that, with this current and existing franchise.

    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 think that's a key question because, of course, we plan to continue to invest to not only gain market share in the markets that we are in, we're also expanding into the US and China. So we're going to start preparing for those launches. And then we have these market expansion initiatives like MIA and of course going into breast reconstruction. So all of those will require investments, but we are very confident that those investments will pay off with not only increased market share but also with new patients coming into the category of minimally invasive.

    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, Ryan.

    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 I could add a little bit more perspective to it. First, I think just stepping back, we're seeing inflation in a lot of places. I mean, we're seeing it in labor, we're seeing it in freight, we're seeing it in -- certainly in our raw materials, as we talk about.
And obviously, raw materials, being the largest part of our cost structure, that has the largest impact but there's inflation that we're seeing across the board. The majority of that $30 million incremental since the last call for this year is in the resin side. And frankly, we're seeing even the cost to get the recycled material delivered to our factories and for processing has gone up, too. So we're seeing it in all places, and so that gives you some color on what we're seeing.
In aggregate, it really -- not to get too specific on what the full-year inflation is, but I think maybe a way to help you think about it a little bit is we've taken three price increases this year. Two sort of low single-digit ones, which we previously announced, and one -- mid-single-digit one that I had mentioned earlier. And so when you kind of cumulatively think about that, in aggregate, that on a run rate basis, we felt, was sufficient to cover. And we're seeing it's sufficient to cover inflation on the year and certainly the run rate in the fourth quarter.
So I think that might help you a little bit.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thank you. Good morning, everybody. Mike, there is -- I guess, there's memories that the Biden administration could take a hard look at partnership structures for MLPs. I'm just curious if you can offer any perspective on how it might change your thoughts around your ownership structure and the current strategy around MPLX, if something like that plays 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
 
Yeah. So there certainly is a schedule for drawbell construction. With the style of cave mining that we're using at this one of Oyu Tolgoi, the Hugo North mine, the undercut passes over at the extraction level prior to the development and the blasting of drawbells. So we currently don't have any drawbells and we won't until we start firing the undercut and we actually are able to safely start doing that work. And so that is something that is after we started undercutting if you like. In addition, in terms of the actual timing of sustainable first production, the estimates of the number of bells is a reasonable estimate as we understand the rock mass. But ultimately, the start of production is governed by the rock mass and its behavior after we undercut, and this has the cave instrumented to understand when caving commences. And that will be when the first sustainable production actually commences. So the number of drawbells is an approximation. It should be reasonably close, but ultimately we will be looking to the rock mass to give us the go-ahead there and make the criteria to start production 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
 
Well, I -- if you're taking the business services, which is a more international business. And insurance, I guess they're about 5% of 5% plus of those two subsegments. And the fraud -- it's a big part of the business services. The cyberprotection is a reasonably big part in which -- how you categorize the product, but fraud is a big part of -- fraud prevention is a big part of the Business Services segment.

    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. I would say, for all intents and purposes, it's back to normal. We do have what we call it clear, well, this is where the finished water sits that was collapsed under that. So we can't store as much finished water there. But the plants themselves are operating well. We have some tweaks yet to do, but I would not expect the current situation to result in added expense.

    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 thanks, Mark. So the Gap -- the way the Gap capital releases, obviously, we've had a portion of the reserve release that's a smaller portion that flowed back through capital this quarter. The bulk of the reserve release will happen in the second quarter next year when we intend to convey that portfolio. So that will probably be included in our next capital plan. We have $1.2 billion remaining under the existing authorization that we have as we enter the quarter.
So we're pleased with how we repurchased shares during the third quarter. As we said before, we'll be aggressive, but prudent as we move forward here and as always, we'll continue to run our internal stress test model, evaluate the performance of the business and the income profile and to the extent that we believe it's prudent, we'll engage in discussions with our Board about potentially increasing the authorization, but right now, we have $1.2 billion ahead of us and again, we want to be aggressive, but prudent as we continue to reduce the capital level of the company toward closer to our long-term target.

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