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
 
I think both. I mean, some of the customers I speak, as I think go through my mind, of course, I cannot tell you the names, but some of them are new customers. They're coming in with large orders, hopefully, that they're going to ramp. Some of the other customers, they used to buy a small amount from us.
With this new qualification going through, they're going to become a major customer of ours. So I think it's both. And lastly, I would say, we have been saying about this we are getting our factory to serve the Tier 1 customer, which includes SBC control. You have more metrology, and so you adhere to more rigorous control in terms of -- that will increase our cost in terms of engineering, in terms of serving the customer the right way.
But eventually, it's going to pay off, because people then will trust our quality better, and they will be more at ease to give us more businesses.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
No, it is not.

    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
 
Thank you, Angie.

    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, if you take all three together, we're talking probably just under $7 million in recurring -- net recurring revenue. But we have a lot going on in Q1 positive wise as well as some potential headwinds. So, there's a lot of activity in motion that can impact the number. But -- so we have more work to do, but what I'd say is we're off to a good start.

    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, Scott, this is Melinda. Thanks for the question. Obviously, first and foremost, CECL is really a complex accounting exercise that we go through every single quarter based on what the economic forecast is at that time, as well as how our portfolio is performing. As Jim mentioned in his comments, we do expect, based on the performance, the strong performance of the credit portfolio and what we believe to be the economic forecast at this time that we're going to continue to see reserve levels moderating down to a pre-pandemic levels or day one CECL. Day one CECL was about 123. We're at about 144 right now. So it's reasonable to assume that we'll continue to trend downward over the course of the next couple of quarters. Given the fact that CECL is new, I don't know that anybody really knows where the "bottom" of CECL is, but I do think it's possible that we could see reserve levels fall slightly below that day one CECL number.

    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
 
[Speech Overlap] Operating numbers, Joel.

    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
 
Thank you, Meghan.

    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...

    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. Thanks for asking. Really good progress at Navy Yard. We're not -- we're still not where we want to be, but the trajectory is really good. The team has done a great job up there. Our automation investments are paying off. Scrap rates are coming down. Labor in the cake markets -- in the cake plants rather continues to be a bit of a challenge. It's just the nature of the cake bakeries with more people in there. But overall, we've been able to manage through it really well. We've also done some things on the commercial side, Mitch, from a price promotion standpoint, to make us more competitive there. So all signs pointing in the right direction. In fact, relative to our internal goals, we're actually ahead of plan there.

    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. Thank you, Jeanine.

    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, look, some of the -- if we kind of like think about it over the course of the year, look, we're going to see, we believe we're going to see demand come back in pretty much all these areas, all of the verticals that we operate in. So that's just normal domain that we do think is going to come back. But underlying that, I think that there's going to be some changes here that we're in too. I think we're going to see, continue to see some spikes in the work at the top in the board-related work that we do with theme such as diversity with sustainability. These are going to continue to drive demand as the top of the house.
We think CEO level activity is likely going to go up a bit as well because COVID made changes at the top, difficult for employers as well as leaders. We think that culture work is going to continue to rise. This is a top concern for leaders, how is their culture fared over the last year really. And we think that at a macro level, all the D&I work is going to continue to occur as well.
We do see, going back into your commentary, linked a little bit to the CEO but broader to the C-suite, we do see likely some more retirements that'll happen in the upcoming year. A lot of it, because many leaders just wanted to stay with their teams who were thinking about retiring and just kind of now will as the pandemic hopefully work our way out of it, we'll feel more comfortable that their teams are well set in and be able to make their own personal decisions as well. So these are all themes that we do see out there.

    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
 
Our next question is with Patrick Coleville. Patrick?

    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'm a bit under the weather. So I just want to make sure everyone can hear clearly.

    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 John, just one quick follow-up, if I may. How do you feel about your human resources capabilities across the existing operating complex today? It strikes me that everywhere we look, we're hearing about strained labor resources both skilled and unskilled, I'm not so focused on the G3, but just on your existing operating complex today, are you, are you well positioned right now, are you looking for people? How you actually think about that and whether you're well positioned going forward here?

    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, Rajat, it's PJ. So I'll start and then maybe hand it off to David. But it's actually been three months since we announced the plan in December. And as we've said before, we're very disciplined in our approach to acquisitions. We do -- we look -- when we evaluate an opportunity, we're looking at EBITDA multiples and then factoring in the synergies we think we can achieve, and then we look at the IRR relative to our cost of capital. And we need to see a margin there to deliver an accretive deal. So we are evaluating deals, it's on a deal by deal basis. And so we'll continue to fill the pipeline but we're only going to look at or execute on those deals that make the most sense for Asbury.

    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
 
You should drop the microphone and walk away 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
 
We've got several programs there. We have more programs hitting in the third and fourth quarter, when you would expect that people would be looking for that seasonally. But we have a great relationship with them, and we have really taken it to the next level. And like many of the other retailers, really, they're very interested in getting their hands on a number of our products.

    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
 
Yeah. I mean, generally -- we do have a bunch of new features. We actually have significantly more features in the pipeline. I mean we run hundreds of A/B tests per quarter.
And so you're going to see our product continually change over time, just get better and better because we run so many A/B tests. I mean the general learnings that we have are that we can increase the fraction of people who subscribe. I mean if you see year ago, the percentage of our MAUs that were subscribers was something like four-ish percent, whereas we are now at about 5.5% of ours MAU subscribers, and that is all through basically adding features like Mistakes Inbox and Legendary or other kind of changes like that. We also -- another big learning is that we can move our user retention.
And this is not just subscriber retention, but also free user retention. We look at this number that we call current user retention rate, which is basically the chance that -- a current user is somebody who used the Duolingo today and also another day in the last seven days. Current user retention is the chance that they use it today and also come back tomorrow if they use it in the last seven days. We know we can increase that, and we've been increasing that over the last couple of years.
It's gone from something like 65% to close to 80% now. And so that keeps going up and up. And that's generally just good for us, not only because it's good for our free users, but also increases the retention of our paying subscribers. So the big learnings is we can move those numbers.

    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. Thank you. Maybe a question for both Dave and Graeme. Dave, back in December, I thought your tone was a lot more cautious just around the outlook, the operating environment, and the like than it is today.
And obviously, with -- I don't remember, I think, I don't know if Graeme may have it up to top of his head. I remember the last time total bank PCLs would have been, you know, low-single digits or mid-single digits. What -- what has changed? And Graeme, what -- what should we be -- expect? I understand it's incredibly difficult environment to -- to -- to prepare for, but what caught you off guard or what was the pleasant surprise and -- and how would -- how are those, I guess, surprises going to manifest through the balance of year, do you think?

    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 right now, it does look like it's going to be the third or fourth quarter of next year before that project could break ground.

    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. Our next question comes from Rosie Turner from Barclays. Go ahead, Rosie.

    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, so Mark, this is Ward. Our fiber mix is approximately 65% virgin, 35% recycled. And you're right, the virgin, I mean, the capex load for a recycled fiber mill is lower than it is for the virgin mills. We've always liked the balance that we have in the system because, ultimately, we have a very broad offering to our customers in terms of lightweight, heavyweight, virgin and recycle liners and mediums, and we think that ultimately positions us to support a wide range of customers.
And so, David, I'll ask you to see a comment about whether you think that mix is appropriate, but it gives -- we have balance in the system and we've always felt comfortable with the balance. And again, Mark, I think, another thing to remember is we've got some fiber flexibility across our mills, too, to be able to take advantage of introducing more recycled fiber mix into our virgin system and vice versa as market conditions for those critical input costs change. 

    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 think by large I would guard characterizes the team members and our clients are excited about the prospects of just being bigger, being able to bring more product to the table, more services to the table. I think everybody's kind of generally excited, and obviously we don't know if there'll be any impact to those individual clients. But I think generally everybody is really excited about the prospects of just being -- having a bigger balance sheet as well.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Certainly, there's not a lot of seasonality in their in their earned premium. Greg. Mike, you may know better on the seasonality of of the written side of things. I don't recall there being tremendous seasonality. on that, and Dana wants your question on on investments that might be more difficult about the written 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
 
Joanne, do you want to take that one, please?

    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
 
No, that's fine. You're welcome.

    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, Jean.

    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
 
That's a really good question. We have plenty of capacity in our plants. And so from a labor standpoint, if we get ourselves ramped up from a labor standpoint in certain areas where we have some shortages of labor. And then we get the supply chain ramped up. We can work through our backlog over a matter of two to three months' time. But that's -- I think we're going to be dealing with some of these supply chain issues into 2022. So I think we're going to be dealing with elevated backlog to a certain degree throughout 2022.
How severe that is or the challenges with the different product groups, we just don't have real good line of sight to that 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
 
I think -- yes. Jared, in our modeling, it was not so much the qualitative overlays. It's the qualitative overlays that kept the reserve level, because we try to think about reserve as being countercyclical. And so with an improving forecast that captured and driven some of the numbers here in our modeling, we -- I think your question is, as we think about that level of provision guidance that we've given you, does that imply, perhaps, the total reserve level is coming down over time? The answer to that is yes.

    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
 
It varies from market to market, but we are seeing additional -- as a result of a rise in cases, additional restrictions. For example, governments have been keeping people home especially because of the holidays for Christmas and New Year's, that whole weekend, a couple of our markets restricted people from any circulation and we're concerned about large gatherings and rapid spread. So we see this as an ongoing dynamic that we just have to be prepared for and utilize our alternative modes of shopping and different ways to get merchandise to our members, but it's certainly -- it's not resolved here and it's not resolved there. So it's still an ongoing 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
 
Yeah, thanks and good morning, everybody. Maybe just one follow-up and one other question. So just on online, where does that settle as a percentage of beauty category sales post pandemic? And so how do you think about retention of those incremental consumers on retailer.com versus your own brand.com? I assume higher for you all? And then just quickly, holistically I'm thinking about your guidance on a go-forward basis. Are big events like 6.18 and 11.11 becoming to be more important in driving your business? Meaning that the June quarter might be a little bit bigger than historical levels? Same thing for the December quarter? And then did that partly explain kind of why we saw somewhat weaker September quarter guidance? And I think maybe people had really expected at the time the same for the March quarter today.
Thank you.

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