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
 
Hi good morning. Phebe, just maybe one on shipbuilding, a little bit strategic. But one of your peers in shipbuilding stated that the future of the Navy is going to be platform plus where shipbuilding platforms will be tailored around capabilities and technologies that are key differentiators. Would you agree with this? I'm not sure it applies to submarines as much as surface ships, but would you agree with this? And would GD need to make any additional investments either organically or inorganically to position yourself for this?

    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, Michael, we're not quite there yet in terms of identifying when a pilot will be on-road and when will be available for selling. We do think that 2023 is a time frame when we expect to see, kind of, earnest market adoption of this product. That could be 2024. That's the timeline we're looking at.
But in terms of piloting and pre-series production, etc., there's a lot of work that will happen in 2021 and 2022 on that front. And we'll just have to provide more visibility as we meet some of those milestones. We don't want to get ahead of our skis on announcing things early.

    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
 
Well, it will be later this year when we get the study. So decision would be, sort of, maybe this time next year, depending on the results of the study.

    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, Julio

    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
 
Thanks, Joshua.

    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 pull is very strong, and it's very clear. So what we're really competing against is other capital spends to upgrade substations, build new substations, build more transmission into the urban core that are all tremendously expensive. So what we've seen is at a substation that they need to expand capability, REG in many ways, it's a much quicker, lower risk and more economical way to do it than the traditional means of just building more out of the grid out.
It's a very elegant way to be able to share existing assets. It's a very simple way utilities get to understand how to untraffic this capacity within the system, and really focus on moving power to where it's needed when it's needed. So utilities kind of get it and is so very much as kind of how they would -- how they look at any kind of capital project. And it's what's the benefits of the rate payer versus the capital spend.
And REG is -- from a utility standpoint, it's really a positive, positive product.

    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
 
Most likely, the next USPSTF update will be five to five-plus years from now. Because we expect the USPSTF guidelines this to be finalized sometime this summer, we would expect maybe sooner. And then, it's typically on a five-year cycle. Last time previously, it was an eight-year cycle.
So, it's going to take some time before a blood-based test works its way into the guidelines. And we expect to be part of the data that is generated and submitted to hopefully support inclusion. And we'll see how that develops. But there isn't going to be a significant market opportunity for a blood-based test until and unless USPSTF includes that into the guidelines, we believe.

    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. Operating expenses should remain flat in the future quarters, because you're right that we are adding people, but they are in COGS, it's mainly technicians and the operators, engineers to support the fab production. So that in the course that's within the 50% incremental model. opex, R&D, M&A, SG&A, we are keeping them flat.

    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, Ben.

    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. Hey, great to talk to you, and thanks for being on today. So what we're seeing is that across the market, there's interest in our retail offering. And let me remind you, remember, retail is mortgage on the international front.
It is account opening in the U.S. and Canada and its retail lending across the spectrum, OK? And so what we're seeing is that's a nice, healthy pipeline. The go-lives we announced was actually a great testimonial to the fact that the software can scale. You saw the sizes of the banks, OK? Initially, we thought we're going to have a lot of smaller banks doing this and for us to go live with that size bank shows that we, not only can scale from a volume perspective, but also a breadth of offering.
So we're seeing a nice pipeline. We're seeing great interest in our international mortgage product across the spectrum from Canada and the U.K. So I feel good about that. And from a customer number, because it's somewhat relevant because we've got a large number of deposit account opening accounts and retail lending in place already.
As I mentioned last time, we signed in very quick order of six Canadian mortgage customers and now we have to make that product settle and make sure we can go successful live because that's where the proof in the pudding is. But I see an increasingly interest in retail, as well as, the fact that retail is growing faster than commercial which is important to us. All our growth initiatives has to grow faster than commercial and we're seeing 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
 
Hey Joe.

    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, Betsy, a couple of things. So, we're not embedding any rate increases into our projections right now. The interesting thing is, if you do consider a rising -- a more rapidly rising rate environment, we're really confident in continuing to hit these higher NIM levels, and that's -- all of the dynamics that we have on pricing in Auto on the asset side as well as in deposits, we think will be persistent in almost any rate environment. I mean, you never want to say that a 100%, but as we look at a variety of different rate forecast, we continue to see that NIM rolling through just because of the strength of the pricing we have on both sides of the balance sheet.

    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, Insoo.

    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, Connor. That's the correct answer, but we can probably give you a little more color on that. I think as you know skilled mix has been elevated, as our skilled nursing operators have been able to skill people in place due to the waiver, the three day qualifying state and because COVID was a qualified patient for skilled. We can still skilled in place which is a great thing both for residents and for our operators and for the healthcare system in the payers. But COVID is down precipitously, thankfully, across the portfolio, and so we're just not seeing as many opportunities or needs to skilled patients. And so we do expect that skilled mix to decline over time as Dave said in his prepared remarks to sort of a pre-pandemic norm.
Question is how fast that will happen. And because that skilled mix and some of the extra revenue that comes with it has backfield, some of the revenue loss to the occupancy drop question is what the matches is going to be like, between the occupancy recovery and the skilled mix normalization. So we're watching that really, really closely to see what happens and hoping that those elevated skilled revenues will continue to at least mitigate some of the occupancy revenue loss. Does that make sense?

    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
 
Correct. The biggest -- it is a year-over-year impact and obviously the benefit we got in '20 from the deferral doesn't repeat. You will have the second-half payment of that in 2022, so you've got to have to pay back the $38 million or whatever so it would have a negative impact that it would not be $115 or that larger number. So yes, much smaller impact. So you should see -- we should have the ability when we get to 2022 to just look to wrap up by that difference in 2022.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Hi, yes, thank you. I have one for Mark, and then one for Steve. Mark, I got all the adjustments that you spoke about. So, even if we take out the $0.16, because of the timing of the transactions, you're roughly at $1 in earnings on the first half, but if I look historically, second half versus first half, even taking into account some of the headwinds that you mentioned from share count and taxes, seems like the second half is much more sub seasonal than what you have done historically. So, any color you could share, is this EPS also reflective of revenues or is there something else that I'm missing in that bridge? And then I have a follow up with Steve?

    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
 
Thank you, Franco, for the question. So the short answer is yes, but we continue to expand the team capability. For example, we do have one mobile product in the market today, that's NASCAR Heat Mobile, and that has its mobile team attached to it. However, we continue to attract high-level talent, high level I mean by experience.
And with this anticipated acquisition of Digital Tales, that expands the team, not just organically, but through such a sort of accrue hire, if you may. So once we pair our current team with Digital Tales, we do believe we would have the capabilities to expand the young NASCAR franchise and we're happy that Digital Tales actually brings an additional racing discipline alongside their mobile experience and capabilities. So it's another license and another captive fan base that we could extend and expand upon. But to your point of mobile development capabilities, we continue to grow that just similarly as we have done for the console and PC side, which we're now we're able to expand from a sort of a single franchise of NASCAR into multiple franchises. That's why you should be able to see our progress in BTCC and other stand-alone pipelines.

    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 Rueben, good morning. First, I think I would like to start with really being optimistic on what we see as the momentum in the U.S. We do see the progress from quarter-to-quarter. And even in the first quarter, we see a great change between January, February to March. And some of the momentum continues with us to the second quarter as well. So all in all, we do see a very nice recovery in the U.S. organically and obviously, unorganically as well. All in all, we believe that the first quarter, although the difficult comparison to the first quarter of last year, will be kind of organically is 7% down to the first quarter, something that completely recovers in March and later on in April as well.

    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
 
We pass along prices fairly quickly, Craig. I would tell you that we do expect to see a little bit of uplift in materials here, and we're going to work with our customers with that. We want to mitigate it as much as possible. Within 30 days or so, we'll move up or down depending on where the markets go. We really try and partner with the customers to mitigate the impact of price increases.
And so I'd tell you that we're going to continue to work with that and we're going to continue to partner. And the other thing that we see as well out there is that the manufacturers do a great job of when they have forward-looking information as it relates to commodity movements.
They do a great job of pushing product in and out to be able to mitigate the impact, call it, content or de-content, if you will, certain product lines for other product lines that are going up to be able to flex and maintain balance as it relates to their pricing structure. So we're going to continue to partner with the OEMs in that fashion.

    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. So on the Delta, when we sort of get into COVID-related changes that are happening, it's hard to predict exactly how the world is going to shape up as we saw last year. The thing we do know is that our marketplace is pretty adaptable. So if you think about the core tenets of a market, which is online.
It's online, social, it's secondhand. So a lot of the inventory is coming from people who have the inventory to sell. You can sell from home, you can shop from home, you can ship from home. So all of those things allow us to be fairly robust in case people have to stay back at home or mingle and sort of order back and forth as the world is.
And even the variances aross the country in terms of the attitudes, that will be there. So that's really the strength we see in the core marketplace that has allowed us to manage through all of the different changes over the last 18 months or so that we've seen with COVID and COVID-related attitude or changes. So that's the confidence underlying that comes in. I think when you look at a two-year stack basis we shared for Q1 and Q2, we're looking at 52% for Q1 GMV two-year stack and 67% for two-year stack on the GMV basis.
So we're seeing consistent growth across the cohorts and consistency there. And ultimately, it is that consistency and stacking of the cohorts, combined with the adaptive by the marketplace that gives us confidence going into Q3 and facing sort of the uncertainty that broadly Delta brings to the table.

    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
 
I will point out wipers, safety were up strong double-digits in the quarter. We feel great about the momentum of that business. And regarding your pricing. Kevin, I think there has been some significant pricing on the gloves side in our safety business that's driven a lot of the pricing. So I wouldn't say it's -- elasticity is probably coming in as we planned. It's just that there has been some unusual pricing, unusually high pricing on the safety side.

    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
 
I think it will continue to look challenging from a acquisition perspective really based on price, Walt. Prices continue to remain high, and in our opinion, without much differentiation for quality, which is where we end up being very selective and picking our spots carefully. I do think there is enough out there for us to certainly hit the low end of our historical targeted range of 5% portfolio growth. I imagine with Tanzania and some increased activity that we expected some of our existing markets that we will build more towers next year as well. So all in all, that will be -- the 5% to 10% portfolio growth will be the goal again next year.

    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
 
We didn't talk specifically about point of sale. As you know, we have a good position in the U.S., and I think we did well there. I don't have the exact percentage growth on that product. But when we are talking EMV, just to be clear, we're talking about the dispenser and the payment system embedded in the dispenser, so outside the thing you put your credit card in.
We like our point-of-sale position. We like our position in the U.S., which is strong, and I knew we grew well there. And outside the U.S., we have some new products coming online, so it's an exciting space for us. But I think to the heart of your question, point-of-sale is not considered part of this EMV dynamic.

    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
 
What I will do is just share a little bit of color around price and inflation overall for Pentair. In Q2, price was a two point benefit for us and inflation was quite high, close to five points. As we move into the back half, think of inflation in that by the five to 5.5 point range, so slightly higher but think of price reading out at closer to four points in the back half. So we improve from Q2 and narrow the gap but it continues to be a challenge. And the whole material shortages is a challenge for our ops and supply team and we are really appreciative of all of the work that that team has done. In the second quarter, they really did a nice job helping us drive that 32% sales growth. They did have the luxury of more raw materials sitting in that opening inventory. So as we move into Q3 and Q4, the challenge for the team is really to deal with the lumpiness of the material shortages. So every week is interesting as they plan the production schedule and the team is doing a remarkable job to achieve the numbers that we have guided to.

    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
 
Thanks. Good morning. Appreciate the color on expenses with respect to the healthcare benefit costs. But I was just curious, as you're out there looking to hire new talent, are you seeing incrementally more competition from either a wage perspective? Or, I guess, just what you're having to offer?

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