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
 
That's not that easy to figure out, right. Obviously, we have a good idea. We have the ability to see that. It's not been publicly disclosed. Remember, the problem we have with some of the statistics you're seeing is they include all creditors, not just bond holders or secured creditors, they obviously don't include the CVI in a lot of the published reports. So, they're only looking at cash and bonds, and in some cases, they're just looking at new bonds. Because if you look at from the Puerto Rican government point of view, they said they had [Phonetic] so much debt or so much bonds and who do I want to convince to tell people I've got -- I now have new debt with new debt requirements, and I'm comparing the old bonds to the new bonds and kind of ignoring where cash and CVI falls out. So, the numbers do substantially move about. As we've said, we're very comfortable with the settlements, and I think that should give the market a pretty good indication of what we believe is our recovery rates.

    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. Good afternoon and thanks for taking my questions. So, Mike, I guess, maybe this one is for you. When I think about the fourth quarter implied guidance, historically, you see a fairly significant ramp in earnings from the third quarter to the fourth quarter. And when you normalize for the weather and the lower tax rate, your implied guidance is for maybe a 17% increase in earnings from third quarter to fourth quarter, typically, it's 50% to 60%. So, I'm just curious if maybe if you can walk us through some of the puts and takes there? Is it a factor of just the broader economy? Is some uncertainty there? Just some conservatism in general. Just can you help us think through the implied fourth quarter guidance and why you wouldn't see more of a normal seasonal ramp there? Thank you.

    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
 
No. Mariner said in his prepared comments, the same comments that he said on loan growth in terms of outperforming -- relative outperformance that still expected to be true for the net interest income side. So, we will certainly grow through the current rate environment, which is obviously not very conducive through our balance sheet growth opportunities. So those comments that Mariner talked about just now also are prudent into NII.

    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
 
Just one thing here -- one thing here --

    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
 
[Foreign language] So my question is about Metaverse, which is a very hot new area this day. A lot of companies are planning to invest heavily in this this field. Can management share with us your vision on Medalist and what are the potential growth opportunities it may bring to the online gaming industry? And what are your strategies to tap this opportunity?

    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
 
Steve, you're specifically talking about LNGC, I take it?

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. I mean that's something that we discuss with the Board on a regular basis. We have the ability, obviously, given the balance sheet to do more. We're comfortable at the levels that we've been buying back. And any changes going forward will be done with the advice of the Board.

    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
 
Right. Because then -- so right now, for example, if you're growing traditional corn for non-GMO, you're getting over $6 a contract, right? So, it's about $0.40, $0.50 higher than GMO corn. So it's attractive. And the cost of actually producing it is about the same. So you're -- its bottom line.

    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. What I'd say, Jennifer is, number one, we typically have more liquidity than most. And obviously, we're not going to carry 35% of our earning assets in cash. But let me give that sort of backdrop that we do tend to keep a little bit higher level. We're not going to -- I'll say that we won't jump in all at once. I think that it will take a -- most of 2022 to make a major dent in it.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
[Foreign Speech]
Thanks management for taking my questions. I have two questions. Number one is about our guidance. So I think the 700,000 new paying clients guidance exceeded most market expectations. So, just want to check what is the current run rates of our paying -- new paying clients as in the first quarter and what do -- what is our expectation for the speed of customer acquisition in different regions over the year. And second question is about our US self-clearing progress. So, what will be the launch time for the US self-clearing and according to our last earnings call, you mentioned this probably a $50 million pre-tax benefit from self-clearing, so when will we see the impact on the financial results. 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
 
Hi. Thanks very much. Wanted to quickly clarify on the new air filtration systems that you guys said should be completed by the end of the month. Is that something that can help accelerate the reopening of dining rooms as you understand the laws that are -- or regulations that are being put out by the different states? Or is that something that's just a longer-term sort of thought process around hopefully protecting your employees and guests going forward?

    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 Paul. On a nameplate capacity basis, both those lines are 300 million standard feet nameplate capacity.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
The sustainability of it -- automotive always kind of goes in fits and starts. And I think the supply chain in automotive is going to come out of this having learned the lesson that they can't be so lean on just in time and I know that raises the specter of everybody's worry that this inventory being going to be built in addition to realign demand and I think that will happen. That's certainly not happening yet, that's to come. So there's going to be a phase here where we get through the urgency, then there'll be investments made to build more, I'd say, slack in the system for the devices that go into automotives.
So that'll be a bit of a balloon, but then it will settle back to I think it's normal rhythm where increasing electronic and chip attach rates in automobiles will drive the market. And we're going to get to kind of a peak level of test investment in automotive this year close to that $500 million number and that could even -- certainly I think it could sustain through the end of the year because of this inventory catch up. But my guess is as we get into the 2022 year and beyond, it will sort of back into oscillating between the $300 million to $500 million rate.

    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 mean, if you look at agents who are exclusively focused on sales activity, we have not seen a peak in productivity. In fact, our most tenured agent, 14-year corporate agent, has seen productivity increases over the recent years until we moved him into a franchise -- full-time franchise support capacity. So we have not seen the productivity capabilities peak. What you're seeing in the numbers is, again, a deliberate investment. We're making a deliberate trade-off to bring high-caliber talent in the corporate channel and make that talent available in the franchise channel to drive success through training, through lead sales leadership, coaching, mentorship, marketing support. It's very tangible and defined scope of work in a very deliberate investment that we're making. That's -- so when you think about the scope, their franchise support scope growing, you would naturally expect to see that manifest in the productivity numbers. And that's a trade-off that we're very willing to make, and we think it's clearly providing ROI for us when you look at franchise performance.

    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. Well, and a chunk of that compensation ends up in deferred loan costs as you know, right, anyway. And so the net-net -- the net fall-through isn't that big from that factor, right?

    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. No, we're not beholding to really much of that, although with our focus on what gets through investment committee. We're going to be between two-thirds and three-quarters. It's been remarkably consistent for the investment-grade bucket.
We would like to continue to grow the investment-grade profile bucket a little bit more, and we've been doing a little bit more of that over the past couple of quarters and think that -- we're looking forward to the pipeline. There's certainly more of those types of assets that we'll be acquiring. We view that as very similar risk with maybe a little bit more returns. So we'd certainly like to grow that.
And then on the margin, we'll look at BB- to BB+, sub-investment-grade bucket where we really like the operator. There are one or two of those types of opportunities in there. But really not doing much in the fourth bucket of your non-investment-grade profile, kind of smaller operator without a rating. Now, that being said, I think quick-service restaurants has been maybe the one sector where we may look to push on that a little bit just because we think those assets are incredibly fundable, incredibly resilient in various different economic cycles, and have really proven out over the past couple of cycles.
So I think you may see some of that over time. There's not really much of that in the pipeline right now, but we are starting to see a little bit more opportunity there as well.

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

    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. Thanks for the question. So M&A has been a big part of our business in the past. We did put M&A on hold during the pandemic just to strengthen our balance sheet and better position us.
We are in a much better position, as you know, going into 2021. And so we are more interested in some accretive M&A opportunities. We do want to get visibility on the markets that they're in, where we expect them to go, making sure that we get the right value on them, get the right synergies in place, that sort of thing. But those conversations are certainly things that we're starting to think through now, and we'll see how that plays out for 2021.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
So David, thank you. No, it's exactly the plan that we're working toward. It's the end of Q2. It's got a date and a time, because it's written in the merger agreement, and we're working toward that. I think, more broadly, not just what's in the agreement is the partnership that I have with Chris, and we're working with Jay. We've got a great leadership team. We're working well together. We've -- we're executing well on our strategy. We're aligned on the direction we're taking in the company. And you'll hear and see more of that in the investor briefing we're going to have in March, where Chris will talk a little bit about thoughts on becoming a -- moving more toward a mission solutions provider. As you see here, Ed and Sean talking about their businesses as well, but tracking well, performing well and we're not expecting any sort of strategic redirection or any bump in the performance of the company.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah. We definitely anticipate improvements in those sub-segments of Industrial, again, with some uncertainty wrapped around it, but we do see that. And then traditionally as we move into the fourth quarter of our fiscal year, it's generally one of our stronger quarters. So, we don't see that changing this year either. So it's positive on the outlook with uncertainty that the things materialize. But right now, they're at a positive trend. And you kind of saw that here in the second quarter where year-over-year, we're basically flat sales. So, normally we wouldn't say that's real positive, but during a pandemic, we think that's a positive trend with improvements coming.

    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 have the early adoption of, I forget. Luis, what the accounting term there. But the mine has been operating within -- it consistently achieved design parameters in the third quarter and it's operating within design parameters. And everything has been flowing through down to cost since we started production in October of last year, a year ago.
So we're not declaring commercial operations. You do that when you're capitalizing and then you achieve production design parameters and then you stop capitalizing and start sending things down through to cost. But we've been doing that since October of last year.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Hello everyone, good morning. First question, bigger picture question, Eric, maybe for you. When you think about your -- the Sunbelt markets and how clearly you guys are going to get a bigger portion of the pie of existing and then future employees with all the corp relocations, etc. When you look at your multiple growth drivers, lower balance sheet and where cap rates are trading in the market. I mean, is it fair to say that you guys are undervalued even at current levels, and really, there should be a rerating, particularly across Sunbelt markets and a portfolio like yours?

    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 did have a good Easter. We're smiling in the room, because we made a decision when we had to decide -- we had to call some of the plays late last year of how spring was going to be. And we actually pack and held our most dressy Easter collections for the spring, assuming that with the lockdowns and the dark winter or what have you, the business would be softer. So we do have -- we did have a lot of other beautiful product. We kept the baby's first Easter product rolling for our stores and in Target as well.
And what happened is we did have a surge in demand around Easter. Our sales were up, I think, 10% over 2019. Profits were higher. And if you put March and April together, what we call Marpil, that also exceeded the 2019 level. So we had a really good selling, but I think the teams did a good job of positioning some of the more casual dresses and some of the wovens we did have in boys to capture some of the demand. But the actual most dressy Easter product we did not have on the floor this year, we pack and held it for next 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
 
Yes. Well, we've spoken before, there's some synergies here. We have a field team here, and there could be an 80% overlap in terms of myelofibrosis and DLBCL. So of course, we're going to realize synergies from our infrastructure today. Could something incremental be added in the future? We're going to keep all options open at this point.

    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
 
Just wanted to pick up with the market outlook a little bit more. Second quarter last year, spot LNG, a couple of bucks. Now LNG price is comfortably trading above high teens for winter and seasonally high spot rates right now. And just kind of wondering, based on carbon prices and structural demand shift, how do you think about, I guess, the pricing dynamic today. Has it changed? Or where do you see us in the cycle? And I guess, how that could impact, I guess, the appetite for contracting?

    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, thanks. Afternoon, guys. So, a couple of small ones for -- Kevin, can you just -- yields have been negative the last few quarters. How should we think about the direction of yields and pricing going forward? And then you guys have $3 billion of cash, another $400 million coming in and generating cash flow. Is there a potential for accelerated buyback or do you think this is the right pace going forward.

    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, everyone. Thanks for taking my questions. I want to start with the realized hedge losses in 3Q in Louisiana. I understand the way you typically hedge, but can you provide any color on how we should think about those hedge realizations in 4Q and beyond?

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