michelcarroll/llama2-earnings-stock-prediction-fine-tune huggingface dataset:
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
It's a really good business. We pulled the listing as we said over a year and a half ago where we started to go with the Board in the future is the value of the business goes up if not all the table right now here today, what's here today is it's a really good business that's performing well. That's really what we've been -- we've been emphasizing for a period of time. I don't think we've talked publicly about another listing with ITM for quite a while.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah, I -- I'm not going to get specific but there definitely is interest in other parts of the world. And I think there's a lot of -- going to be a lot of opportunity in the United States alone.

    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, Jerome and thanks everyone for attending the call. If you have any questions, please feel free to give us a shout. Thank you.

    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. So let me -- I can comment on that. I don't think we're ready to give out 2022 guidance on yields quite yet. In terms of the yields in the current quarter, being modestly down against the prior year quarter and 2019 levels. As we've said in the past, we don't underwrite to any one metric and that includes both credit yield and any other metric in our P&L. We're looking at bottom line profit and we will, as we said in the past, underwrite every loan that meets our return hurdles. So, in this case, the yield was driven by, our trading have a bit of yield, if you will, for higher credit quality growth with long-term positive customer and earnings impacts. This business leverages our improving funding costs. It's also expected to generate some lower losses on this particular set -- this particular group of business and also incremental operating leverage. In terms of the fourth quarter, we, as we noted, our strategic priorities, we expect full yield to still be around 24%. I'd expect fourth quarter yield to be in a similar range as to where we are today. And again, supported by our continued year-over-year strength in our funding costs.

    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, Spiro. As you look at the overall capital allocation priorities, it really all comes down to how we manage coverage and leverage. So from a -- in terms of the committed outflows, we've got the maintenance capital, which that's going to continue. So this year, I think the maintenance capital budget is $135 million or so. And I don't anticipate that being dramatically different as you look into future years. The growth capital this year is -- the budget is $165 million. That's -- there's more limited opportunities than we've had historically or in the earlier years of the MLP, and that probably continues to be relatively low compared to historic levels. But at the same time, if you look at where we are from a coverage standpoint, this quarter, 1.34, which, for PSXP is quite strong, but in the overall scheme of things, that doesn't actually give you that much flexibility.
I think -- and one of the reasons that we're strong in the second quarter is because we had lower maintenance capital. So you revert to sort of the more normal maintenance capital. In absolute dollar terms, that's maybe $50 million a quarter of coverage to basically fund growth capital and then whatever other discretionary uses of capital we might have out there. So I don't think there's a lot of room to do much for a period of time at least beyond some modest amounts of growth capital within the sort of overall construct of the available cash that we have available.

    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, Roy. This is Jay. So the durability question, I think, I need to -- help you understand -- that wasn't a single dose and then monitored two weeks later, it was dosed over two-week period as a small molecules that probably makes more sense to you in terms of the responses that we've seen with a small molecule. So it is daily dosing, it's daily dosing it was over a 14-day period, it was compared to other people's 14-day data regardless of how they dosed, so that's the first thing.
And you know comparing it to other agents, I think you may have seen the -- some of the data that we've shown and with regards to some of the siRNA's that are out there or anti-sense all goes. And 71 performed very, very well, stacked up, quite well, either being as efficacious by log drop as any of the agents and more efficacious than almost all of them.
So from that vantage point, we're very excited about the efficacy that we've seen so far and look forward to carrying it into the clinic. I mean, there has been a -- an extensive amount of pre-clinical work done virologically and mechanistically and looking at all sorts of things from a seasonal activity perspective. And we're quite pleased with the profile in terms of its specific targeting to HBV, RNAs versus others. And also with regards to its safety profile pre-clinically. So very, very nice virology and very good pre-clinical package. And we're just, sort of, wrapping up readiness to get ourselves into the clinic mid-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
 
I mean in terms of the strategic opportunity for the tower business. I agree, I mean it's a reason why we're investing in this. I think it can be an attractive driver of growth on revenue perspective. I would argue more broadly from a cash flow perspective, right. It's an attractive vehicle for growth for us. I mean, when we talked about, I think we can cover that the separate company question in the past and I -- that's not something that we're interested in doing, I think we see a lot of benefits in the operational synergies that provides us. The interesting thing is right in the past, we really looked at those operational synergies primarily one sided. Meaning we own towers, may provide benefit to our network organization. What we're realizing is that there is another side benefit being a network company that uses those towers, you can provide benefit to your customers differentially. I talked about that already. But I think there is upside in both sides of the tower business. And you can expect to see us continue to push on that asset.

    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. It's a great question. And maybe I'd point you to the beginning of the process because we worked hard to build in contractual protections for our customers and our shareholders in the event of a delay. And we feel our developer partners are also strongly incentivized to execute on time and on budget. So we have multiple tools available to protect customers and shareholders from any delay. And we're confident in the discussions, the level of transparency as well as the construction timelines.

    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 for the question. Terry, can you please take this question?

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thanks. Yeah. 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
 
Sure. Sure. Sure. Sure.
You -- what happens is the [Inaudible] just one question. What happens is you observe what's happening at a certain throughput level, and that reveals the pinch points and you work on that.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah. I'm trying to think of something that's actually starting to drag a little bit. And to be honest with you, through the first several weeks of January, the substitute line haul did continue above normal seasonal trends. And we're seeing improvement on the machinery and metal side that we saw, similar to what the fourth quarter is. I'm trying to think of where there is a drag and I'm telling you, I -- we -- I am not -- right now, I'm not feeling what -- I think my projection just assumes we're going to see a little bit of a slowdown in the van side as we come out of January because of the substitute line haul, but really there is no indication that anything from the demand percent -- not a growth rate -- there is -- we're not far above seasonal norms right now as we move on volume from December to January.
We're above seasonal norms on rate from December to January maybe slightly. So the growth rate which was just unbelievable from month-to-month has slowed a little bit, but I don't see a drag, I honestly don't, from any -- whether it's van, flatbed, consumer. Rob, do you?

    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. Thanks and congrats on the quarter. Just a question on Wrike, David. I think within your letter, you talked about Citrix has traditionally been selling into the IT and security departments, whereas Wrike has been selling into line of businesses. I realize you're going to keep Wrike essentially stand-alone for now. But how are you thinking about sort of go-to-market longer-term now that you have the ability to sort of talk across all the entire corporation? Does that change what you're thinking about, at least in the near-term or maybe the long-term? And then just one quick follow-up on this as well.

    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, Jeff.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
I said it's only February. I mean, it's just huge question mark. We just don't know.

    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
 
OK. Happy to take this one. Maybe we'll hit balances quickly first. You saw customer balances slightly down quarter-over-quarter, up 143% on a year-over-year basis.
We would really orient you though to look at inflows more broadly as balances are just a measure of growth at a snapshot in time at the end of the quarter. And so what we really orient to as we think about the health of the network is, of course, as we said, overall network size engagement but also inflows. What we've seen is that as we had expected, as the government disbursements came to the end largely during the third quarter, we saw normalization in the two-year CAGR rate on gross profit from July to October. On a year-over-year basis though, we've seen relative stability from August to October in around that 35% range on a year-over-year basis.
In October, we expect growth on gross profit of greater than 35% year over year and greater than 90% on a two-year CAGR basis. And then as we look ahead, of course, when we think about our customer spending power, which is ultimately what impacts inflows, what we're focused on for the long term is all those key priorities that we laid out for the year ahead around the commerce platform that we're building around financial services around the health of the network, which enables us to ultimately bring more deposits, more inflows into the ecosystem and enables our customers to then use them in more ways across the ecosystem. And I think ultimately, that's in the medium to long term, what drives inflows for Cash App.

    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. Thanks, Eric.

    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
 
Justin, do you want to take that one?

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

    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
 
Sorry to interrupt, just a shout out to our people ops team, about seven or eight months ago, we hired a new CPO, and she brought in a whole team of seasoned professionals who really attack the issue of hiring, hiring across the economy is difficult right now, and they've done a fantastic job in addressing each part of our organization and really helping us. So we feel very confident with them in place leading us forward. 

    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, George, this is Ron. I'll maybe give you just a couple of points that we would maybe highlight in that regard. You certainly hit on one of them. We think from the ST9 pump standpoint, we have taken a very, very novel approach to the design there and ultimately believe that that asset is going to be a better performing asset out in the field relative to other approaches that have been taken around squeezing more horsepower through the same size of pump. So we're pretty excited about the innovations there. But I think the other side that we looked at very, very carefully was the power generation side. There had been, we'll call it, one very typical approach to powering an electric frac fleet out in the field. And our look at that suggested that that was not the optimal way to be running a frac fleet unless your frac fleet specifically, that there was a better solution to deliver not only improve fuel savings and better economics on location, but very specifically, a reduced emissions footprint. And so we'll be taking a very different approach to powering our frac fleet. We talked quite publicly about that already that we'll be using natural gas recent engines rather than a gas turbine on location. And I think we're convinced that delivers better capital efficiency, better redundancy on location, better efficiency as a result of that. And maybe most importantly, for some of our customers, a significantly improved footprint relative to the existing solutions.

    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
 
And we're in Phase 2 right now, but to obviously mind more, we put more out of the pits and what we had planned and have to move more so, we were able to, it's a bit of both, honestly say. I would take 50/50. We had a very positive reconciliation, but we also were able to bring up higher grade material than we had forecasted.

    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. I think the -- again, not giving guidance, but when you think about the percentage growth for the year, again, as I said earlier on the Q&A, we will be lapping very strong Q3 and Q4. The majority of our -- large majority of our percentage revenue growth will be occurring, as we expect, if things go according to plan in that first half, but again, as Dave said, there is a lot of moving pieces. There is a lot of still, as we're rebuilding inventory, trying to get that inventory in in time and then turned around at our DC, it's also working with wholesalers to have them take product earlier. I think we're in a relatively good place where they are rebuilding their inventory levels as well. So if things play out as we see it, right, that will create much stronger growth on a percentage terms in the first half. Now, some of that can drift, again, which is why we don't want to give guidance yet because we have a lot of shipping that goes out in those final two weeks of quarters, which is kind of the way it lands. So things can move relatively easy between quarters.

    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. Thanks for taking my question. My first question is about the project. Could you tell us if you will have any tax benefit or credit in the region related to the -- to these investment? And my second question is about your long-term strategy. I mean now that you announced a new low-cost pulp mill, would it make sense to convert to dissolving or even you can integrate one of your older and higher cost mills? In the end, I just would like to understand your thoughts on your production footprint going forward. 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
 
Yeah, well, I think there's a few things there. One is, we continue to see strength in market rents. And so I understand the question you're suggesting, but I think that we'll continue to see strong demand for self-storage across the country. But if you look at the markets with the strongest growth, really driven by macroeconomic, demographic and population shifts that we think are poised to continue here which is helpful. So clearly, there has been a move-in market rents higher and existing tenant rate increases have been moving the current tenant base higher alongside that. Now over the course of last year and really through a good portion of this year and in some markets that's continuing today, we have had pricing regulations on us because of the state of emergencies and the impact of the healthcare environment and that's definitely been a headwind as it relates to the existing tenant base and moving them in the same manner that market rents are going.
So I think that another way to say that is, there is some embedded rate growth that's available to the extent that we continue to see normalization from a healthcare standpoint and state of emergencies continue to expire, the most notable of which is in Los Angeles County, not related to pandemic, but related to fire several years ago, that we continue to monitor.

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