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
 
Yeah, that's an excellent question, and I'm not sure I got a great answer for you on that. What I would say is that transportation issues are still there. They've moderated quite a bit. I think the international transportation issues are still a bigger problem, bigger challenge. But I would say the production side on the mill side has improved. The demand takeaway hasn't been as great as originally forecast, particularly at Retail. And I think that's created a little breathing room in the marketplace. I think a lot of retailers had considerable amounts of inventory in their supply chain, and that the takeaway being not as great has really opened up a lot of product availability. Again, certain items are still tight, but I'd say overall, there is a good supply right 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
 
Mark? So I'm going to have Mark Griffin answer that question, Keith, directly, OK?

    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. Look, I mean, I think the importers will always be kind of a fungible thing. They're going to come. They're going to go. They're going to be inconsistent at best. I think with Avery Island, the void that that creates, you think about the jockeying for position that's going to occur there, importers are going to have their eyes on it. I mean, Cargill is not going to let that business go without a fight. They're going to try to figure out how to backfill. Other strategics are going to figure out how to try to take some of that business.
And look, at the end of the day, some of that business will inure to our benefit. We want to chase the business that makes sense for us. I'm not going to speculate right now about how much that will be. But to your -- the second or your other question around how do we grow, we've got a couple of options. You can take market share in the existing footprint or as you point out, as we get better and better at Goderich and the launch continues to perform the way it does.
We can think about it more from a footprint standpoint and start to grow our marketing region. I don't think that's -- I think that's in the cards over the course of the next couple of years. I don't know if that will play out so much this year, but that's how we're thinking about as we're just looking at a different footprint.

    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
 
Right Thanks, Matt. And good morning, I'm gonna I'm gonna let both Mike and Kevin kind of just give a quick update on market conditions for for both healthcare professional liability and work compliance. Mike, do you mind going first?

    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
 
It's a great question. If I'm honest, I think, our job is to build an exceptional product and maintain our leadership, both intellectually and at the product level. Definitely, enterprises, you inevitably run some level of concentration risk. I think we've demonstrated simply looking at Peloton that we're quite good at diversifying those concentration risks.
So, I can say, we don't know what to do about risks in general. But at the very core, our success depends on our ability to build great products and run it successfully at great unit economics, etc. So, that's what we will do.

    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
 
Seven-seven-five.

    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 think, as I pointed out, I think from a year-on-year perspective, our growth has been pretty solid, as you would have seen from our disclosures. I guess you will always have some level of variability depending upon the geographic mix as well as product mix, as you highlighted in your question. But as I said, the correlation between new business sales, and new business gain in our reckoning, has been pretty consistent. If you do normalize for quarter one seasonality, it should kind of give you a good indication of our new business gain estimate.

    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 been a consistent part of our balance sheet strategy since we went public Mark, is we're going to have an efficient capital structure, which involves some debt, and we delever so quickly in our business that periodically from time-to-time, we're going to increase that leverage we did recently up to 4 times. And to your point, we don't need this cash for operating expenses or future growth. So, we are going to return it to who it belongs to and that's shareholders.

    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
 
Okay. The price guidance for 2022, OK, basically I cannot give you the guidance, OK, but based on my present knowledge and we talked to the industrial people, we believe even in the second half of next year, the reason is because of wafer expansion, capacity continued expansion and also the industry -- the final ending product, the module, I think the market is very prospectus. So we believe the ASP is still about RMB120 per kg.

    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
 
Good morning. Maybe, Paul, sticking with you on Global WAM. Like in Canada, we see retail being very strong. And it looks like in the U.S., it's kind of the same story, and Manulife produced solid retail net sales in the U.S. Can you maybe describe the U.S. market, where you're from an industry perspective? And how is Manulife, perhaps in terms of asset classes, benefiting from that trend?

    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
 
Hey, guys. Good afternoon. Congrats on the great results. First question, I would love to dig in a little bit to the comment you made earlier, just about land underwriting, just as far as not assuming HPA or current absorptions. First, any details you could give just in terms of what type of absorptions you are assuming on new land acquisitions? And yes, I guess more broadly, I'm a little surprised just in general that land sellers would be kind of willing to go along with that. Just it seems like the land market is pretty heated and all builders are ramping their lot counts pretty significantly. So when you come to a land seller with your assumptions and underwriting and tell them, hey, we're incorporating something lower than where the market is today, how does that conversation go in general? I mean, is that pretty much the norm across the industry or have you started to see builders get a little bit more irrational?

    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, it's been significant as far as the change. But if you do the math, there's something there, but we really don't want to chase it on a quarter-by-quarter basis. Since we strong over to safe harbor, we really kind of mitigated the CAS variability. And already, we're at unlimited contributions over the projection that Chris gave in February. Again, the max contribution was $80 million, half of that post-retirement benefits. So -- and then also, obviously, the projections on pension is going to be equally a function of the discount rate as that changes and then the planned performance. So between those three variables, we're not going to update every quarter here. We'll give you a look-see at Q3. That's the normal cadence for the remainder of the year in 2022. And then as '21 closes out, we'll give you a fresh look and a 5-year projection next February.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
So we'll circle back and get back to that. I don't have that handy but I can say that the trend we're seeing now as we've overcome the majority of the pipeline backlog. So the level of blocks that you see in the quarter should be representative of the -- should be reflective of what the funded volume result in. And so you're going to see the difference between pull-through rate locked gain on sale and funded gain on sale become tighter.

    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
 
380. So we lost 380 basis points on occupancy. Sales, vaccine rollout and everything else, I mean, we did our -- roll up our best guess, our comp NOI is going to be positive. We've got a reserve.
But at the end of the day, we're going to make the $1 billion up over time. We're also going to -- some of the properties we're going to sell will go away. So that's in there, too. I can't give you -- Steve Sakwa kind of tore it out on me already.
He gave me more -- he's got a nicer voice than you do, so I gave him more information than I probably normally would but -- no, I'm kidding. But I mean, that's kind of where we are. We're also dealing with the international shutdown. I mean, they're picking on malls like what happened in the U.S., again, without science, but they're also shutting down outlets.
But yet, they keep high street open, so go figure it out. So we are still dealing with some c*** everywhere. But I mean, I'd say the big thing that won't replicate, we hope, is the abatements. Same thing on the cost savings and sales and then buildup of lease income and bad debt, we put all these numbers in.
We also put a reserve just because we have a lot of uncertainty, and we put it in a blender and that spits out. I can't add much more than 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
 
Well, it's really -- I'm really looking since, call it, December last year, I don't go further back in that. It's -- I mean, again, it's up and down, but I would say it's been roughly flattish in terms of the dine-in mix, overall. So we haven't really seen an acceleration. I mean, in some of these markets now, I'd hope that Dallas and Houston and East Texas markets, you start seeing it now as a further opening, those dining rooms, of course, that just started, so we'll keep an eye on that to see if that trend starts to move up on dine-in, but certainly, since early December, those kind of mid-teens -- low to mid-teens dine-in percentages have been fairly constant across time period.

    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, the biggest difference is that that most of those products that people would be most familiar with are things that they would see online or in a retail store that they buy as an aftermarket product and either install it themselves or hire somebody to come out and install. We view the future of these types of products particularly HVAC control as being commercially installed or sold as a part of the original compressor or unit. So our distribution strategy on this would be not necessarily to sell it as a consumer product, but to sell it commercially. And I can just give you a couple of small examples, a thermostat can be placed into a, let's say, a lodging establishment, and let's say this is probably a bad example today because people aren't traveling. But if we are ever to get back to traveling again, if you stay in a hotel multiple times and it notices that when you stay in a particular chain of hotels, you constantly put your thermostat to 73, while I put mine to 68, these are sensing and aware products that could modify themselves for a variety of people.
So most of the features in the consumer products you've talked about are program for a family, but a hotel room would have potentially 365 different customers every year. Each of whom may have stayed in hotels before and it could have the ability to be able to customize itself for each individual consumer. So these products are a little bit different. And that again, they're sold with original units, more of an OEM sale or they're installed commercially. They can also sense whether the...

    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 think we believe around this table that more of those will be survivors than move-outs and to Jim's point earlier, some of this is category driven and geography driven. So given the West Coast is a couple of months behind, getting them back up on their feet, these uses that are more impacted than others in that geography, I think it's just a matter of time. We will have some move-outs, but we don't we anticipate and balance more of those just converting back to rent paying status.

    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'll talk about that as well. But I think the two things that we'll be monitoring is do we see -- do we expect incremental growth because of our product design, yes. And then do we see improvement in overall trends. And we would expect to see that.
We'll give you kind of more insights into our kind of longer-term goals here, but that would be the expectation growth in medical cost improvement.

    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
 
Sure. Yes. Just wanted to clarify that. And also, our team, other kudos to our operational team on the base production has been outstanding.
So several, several positives this year so far in execution, not just drilling and completion, but on production, engineering as well, Josh. Thank you for that question today.

    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
 
The model doesn't assume automatic deployment of liquidity. I think we're talking about the 100 up and 25 down.

    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'll start to answer that question and then let Jeff kind of complete it. But absolutely 100%. The opportunity set in front of us from an acquisition perspective is better than it's ever been. The dividend is absolutely a signal of our confidence of where we are in the cycle, that we have a multiyear benefit that we can see in front of ourselves and our absolute confidence in the business and our ability to continue to generate record cash flow.

    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
 
It's asset commitments but asset that we put in the asset and it's part of the increased capex that we're talking about on both airlines. So it's basically, they don't invest in simulator but we get in these two cases 10-year exclusive contracts to -- for training on those platforms for those airlines that's essentially it.

    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, Barry.

    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
 
Linda, it's Francois. Perhaps I'll ask Corey to comment as a proof point or an example, the RFI we issued to developers of wind assets for about 620 megawatts of load. And then perhaps I'll ask Don to just comment generally on our efforts on the M&A side. So, Corey?

    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 move to the next caller.

    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. Thanks, Kelly and this is Jason again. I'll kind of take these on kind of one by one to make sure we answer all your questions here. I guess, first and foremost, the 25 basis points to 50 basis points is both on the Food Distribution and the Military business, so you should think about that touching both pieces of the business and this is -- this program is also reflective of the change in management practice that we've had with the addition of Dave Petko to the team and Dave's responsibilities span all of our supply chain responsibilities across the warehousing businesses and as a result we'll be focusing on both of those businesses there.
With respect to the expense load and the impact to outlook. I would expect that it will be the net impact in 2021 will be modestly dilutive. However, I don't expect that the impact will change the range of profitability that we guided -- I guided earlier this morning. So it would be within that range and it would be modestly dilutive. However, we're pretty early in the blueprinting process and a few things may move around with respect to the timing and sequencing of the programs within this initiative, but net-net, we fully expect to be within the range of profitability that we guided today.

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