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
 
Thanks, Danny.

    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. As sales returns -- obviously we're anticipating -- good growth in 2022. We do anticipate having that working capital, our need investment, but it's mainly going to be in receivables. One thing that you've probably seen -- throughout the last couple of years, we've done a very good job of managing our inventory balances and we're anticipating to continue to do that as we move forward. So really, it's just really going to be -- related to the sales overall. And as we're growing here quarter to quarter, we will have to invest into accounts receivable overall and that would be the main working capital component that we'd be speaking to 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
 
To use, and I hope I can do that legally without getting slapped on my hand, Nike's terms, this is going to be -- being excellent in pricing, it's going to be a race without a finish line. So, we have gotten much better. Bruce, you mentioned the tools. We also are hiring significant expertise by getting great exports in the LTL class space on our team. And so, between the tools and the people, we're getting better and better.
If you take pricing LTL, over the last year, we got much more sophisticated. Where does it take special handling? Which geographies are congested? And we need to make sure we get an extra premium to invest into drivers in that area. Then, we also looked at specific customer segments, very different airport-to-airport, door-to-door customer segments. Now we're getting heavy into length of haul to make sure that we actually equally competitively pricing no matter whether it's a short move or whether it's a move all across the country from Atlanta to Seattle, Washington.
So, that type of ongoing consistent dynamic pricing discipline we need to make sure we actually keep ramping up. Pricing is one of the core disciplines that we have to be perfect in or close to perfect. I was very, very fortunate going back to my FedEx days on the parcel side and then even my McKinsey days before that with some of the railroads, I learned about the horsepower and the absolute must of being terrific in pricing. We're getting better and better. But as I said, there is untapped upside, and we're going to make sure we're going to tap that upside.

    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 scenario that we see ahead is -- has been sustained that next year will have results. That will be very good historically speaking. But of course, less than this year, because of the scenario -- petrochemical scenario and these perspectives that we see from the specialists in 2023 lower position than compared to 2022, according to the specialists. I would say that our view of future has not changed. We have maintained a favorable perspective. Of course, the result not as good as this year, but a favorable result for the coming years. This dividend analysis is aligned with the policy. And when we assess different scenarios, it's not one single scenario, you have to remember that petrochem [Phonetic] has -- if you look at the net profit, it's BRL14 billion, but we have to absorb the losses of last year. We have to have legal reserves that came to zero because of last year.
And we have an analysis that is being done of how much we can pay, because we have to absorb this issues of the previous year. We also have to remember that the company has a precedent of distributing the anticipated dividends. This was done in 2017. And even in that moment, we did not just distribute all the net profit beforehand. What we have here is an analysis that we will follow the policy plans, but the scenario has not changed, considering that we have a few years back materially speaking. And most likely, it will follow the precedent of 2017 of having a reasonable distribution anticipated in an second moment after the general assembly will compliment. This is also subject to the conclusion of this analysis and to the approval by the board.

    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, listen, guys, I appreciate all your interest in our company. We're about 15 minutes past the hour and we'll -- we just want to extend our thanks and appreciation. Continue to stay safe, and we'll talk to you at the next call. Take care.

    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
 
Chris, it's hard for us to really comment in detail. We're subject to a confidentiality agreement. And as we've talked about on prior calls kind of a unique set of circumstances just around the ASX disclosure requirements versus our disclosure requirements, Australian media practices versus US. So I only highlight that because we've been pretty consistent in our disclosures.
We did confirm and I'll confirm it here again that we were absolutely working in good faith to a potential transaction around all or parts of their private markets business and the AMP Board ultimately decided to go in a different direction. We may -- we all may get the benefit over time of increased disclosures from their side as to how they landed in that decision but beyond that I can't really comment.

    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. Thanks for the question, Myles. It's tough to size exactly the nature of the pressure from the increased growth this year. As we mentioned, we've increased our guidance now by $700 million in sales since the beginning of the year, and so you can apply a reasonable days-of-working-capital metric there.
And it's maybe $100 million or so of pressure on that metric that we're able to overcome, in part due to the strong first-half performance and the strength and outlook that that gives us as a result. As we look at '22 and beyond, we're certainly not finished in our efforts to drive working capital efficiency and effectiveness. That's -- like we talked about earlier with cost management, that's something we wake up every day and focus on and that focus will continue so I'll look for continued opportunities in '22 and '23. More broadly, as we think about free cash in '22 and beyond, we had the pension dynamic I mentioned earlier that we'll need to overcome.
And then on the tax side, everyone is awaiting news on legislative environment there as it relates to the R&D amortization issues and such. So we're focused, as you'd imagine, on the things we can control, which are around working capital efficiency, being prudent with our capital expenditures, focusing those on key growth areas of the market. And at this point, we feel confident that we're doing a good job in both of those areas.

    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 are watching China very carefully. They are the largest consumer country for many of the chemicals and plastics and also a producer. They're mainly importer rather than exporter of chemicals and plastics, and so their appetite will be very important in affecting the global prices for chemicals and plastics.

    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, great, Jonas. Thanks. We are confident that we gained corn market share for sure in Europe and in Brazil, both in that safrinha season as well as summer. And we've got just a fantastic lineup, and our teams really executed very, very well. It's a little too early to call on share gains in North America. We really have to get that last round of USDA data that gives us plantings of what happened right down to kind of a county level. So it's -- we'll kind of have that final call on North America in mid-March. But look, I am confident that we held this year at least for sure in corn in North America, while delivering above market share -- above market pricing gains. So our story in North America was really all about value. And in soybeans, from a global perspective, we saw some slight declines in volumes, but for us it is US that really matters. And our US seed volumes in soybeans were up. So I'm pretty confident in soy as well. We held, if not, we were up slightly. And one more time in soybeans, that 2% pricing on a look-back basis shows that we not only -- we held if not gained slightly and drove much higher value. So those are the big markets, but maybe Tim, do you want to share either the broader perspective of how we're doing on market shares and other markets around the world, other crops?

    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
 
Thank you 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
 
Yeah, good morning, Tom, this is Frank. So your observation is correct, it's 40% for the full year of 2020 which was a tick or two up from the previous year. We did that to build on additional reserves to take into consideration the loss trends. The other adjustments that flow through there would be any billings for the adjusting company and you're absolutely right. The adjusting company is very busy in the fourth quarter not only dealing with the weather events in that quarter but a lot of the claims that came in through for events that occurred through 9/30.

    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
 
All right. Thanks, Catherine. And with that, Alexander, we'll turn it back to 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
 
Yeah. Sure. It's actually very encouraging. See, if you would recall that this -- we already had this feature, we had built our own product based on our obviously data -- our own data and the modeling on top of it, and we saw quite encouraging results on that early days. Now, in between the pandemic, the disruptions are happening so therefore it was a bit of an up and down but we had seen decent early traction on that from a consumer point of view. In fact, reaching out to consumer, we also tested the product out there and we got very encouraging and positive response from the consumers as well.
And therefore, we thought it would be an interesting idea to sort of further strengthen the product offering with Hopper, given the fact that they have also done a great job in terms of -- in their own market in the US, in terms of scaling that up and with that thought, we thought we will come together and sort of further strengthen this whole offering, leveraging and comparing notes between the two; our own learnings from our own product, behind the scene, the way the modeling works and similarly sort of learning from their -- learnings from their respective market as well and trying to come together and make the product even more stronger.

    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
 
Good morning, James.

    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 Manish, so I think that is the reason why we had sort of started this initiative as well and we've again got very, very encouraging early trends on that. Now directionally, long term now whether it is three years to five years or more, we don't know, because we're sort of -- we still have to make certain investments in this platform, which is in the pipeline and they'll come up in the next quarter or so for us to be able to see the real potential of that. But if we -- when we got into it from a benchmark standpoint that's the way we were thinking that this could be the ultimate potential. Now from our point of view, I think we will have to just wait for another quarter or two for us to be able to then see. See right now, we are just within the travel ecosystem we're trying to see, we also have to see how does it work for non-travel ecosystem, etc. And once we're able to do that, so far whatever we have launched and whatever we've seen, we're very encouraged with that. And directionally, I think it's going to go down that direction only, but I think with greater certainty to pinpoint whether it's going to be an x percentage or y percentage of GMV, I think I'll hold on to that for a couple of quarters before one could call out that number.

    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
 
Hi, Mark, your competitor yesterday highlighted a couple of insecticides that they have withdrawn production. I don't know whether that has any opportunity benefit for you on your insecticide platform. And maybe a more general comment about your outlook for new product development. When you look at regulators around the world that are discontinuing registrations, is there a particular vertical that looks like there could become an increasing void in active ingredients? And has your pipeline reflect that longer-term opportunity, perhaps more so with your biologicals?

    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
 
And of course -- Yeah, that's an estimate based on what we know 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
 
No, we haven't seen anybody say, gee, it's worth more this year because of inflation. I mean, I'm sure somebody argues that. We don't spend a lot of time on it. We usually have an appraisal. We need to keep the -- within the confines of the appraisal because that's what we borrow against this, whatever the appraiser says, the banks will usually give us 60% of that in terms of a long-term mortgage. So we don't have a lot of room to go outside of that appraised relationship, but we're in every time we do a deal.
So, yeah, they know what we can -- and we tell them, here's what we can pay. And they either keep coming back and negotiating or they stop and go away. And at this -- as we call it the smaller end of the spectrum, there just aren't that many people out there bidding against us. I'm sure we'll see somebody come and do the same thing we're doing at some point in time. So far, no one is there. And as you probably know, we have a huge team of people in both Florida -- not a huge team in Florida, but a huge team in California, just everywhere there, everybody knows 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
 
I think, Erika, the short answer is, I don't think about that as a bright line. As we talked about, we're making investments across all of our businesses, particularly in the digital channels. We spend $2.5 billion a year. We have good scale. But we'll look at opportunities to increase that scale and increase the customer acquisition opportunity across all the businesses. So -- but there aren't any bright lines in terms of what we look at or would or wouldn't do.

    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. We have evaluated this and three times to four times leverage range did provide us maximum flexibility during the pandemic to be able to support our franchisees the way we felt was necessary. And then also the right level of security, right, from a bank relationship perspective. So somewhere in that midrange, yes, Im perfectly comfortable in the high end of that three times to four times. And I would say we would be willing to even step out of that range for a compelling investment opportunity, of course, with the expectation that were able to get back within the range within a short period of time.

    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, Sean.

    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, Laurie, this is Arnold. So right now, the Mainland consumer loan portfolio is about $213 million or about 4% of our total loan portfolio. And it's a good split mix between consumer, unsecured, and auto. And as far as the growth, I think we look at overall percentage Mainland versus Hawaii in the 10% to 15% range, as David mentioned. My expectation is that we'll -- we're going to grow more in Hawaii, as David mentioned, not as much in -- on the Midland. So I hope that helps 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
 
Yes, this is James, not a lot of detail to provide yet. I'll say a couple of things. One is, as Joe said, six, seven weeks into the acquisitions, we're still getting a feel for the run rate that things have been very smooth. When we announced TRUaire, Chris, as we talked about, I know you initiated after that, but as we announced TRUaire, we talked about their calendar 2020 revenues were tracking at about $108 million and that is dead on. If you look at it, the last two weeks of the year, we said they were $4.5 million, so the math literally tells you that's dead on that number.
We talked about EBITDA of about $36 million, again that was a backwards looking type thing as we were closing in on the end of the calendar year. So that type of run rate has translated so far. We would expect that they would see the type of organic growth that we hope to see this year, but we're still diving into what that looks like putting together strategic plans for this year.
We've done a great job integrating the customer base. We've talked about 100% customer overlap and our sales team has integrated extremely well with theirs and spending a lot of time with those customers. So we've not really seen any headwinds in what we've had, in fact, we've seen some tailwinds. So I think there's good opportunity there, but not really comparative year-over-year specific to TRUaire that we would detail at this time.

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