michelcarroll/llama2-earnings-stock-prediction-fine-tune huggingface dataset:
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah. We're actually -- when we look at all of our KPIs, we are trending in the right direction. So, on acquisition and retention, we are making I would say solid gains as it relates to our franchising efforts. If I look just at our mortgage advisor channel as an example, we're now getting close to 70% of our new mortgage clients that were actually franchising with additional products such as our smart banking account. And so this is, I'd say, up from about 40% just two years ago. So we're really happy with the progress we're making.
I've said this before, notwithstanding the momentum and the progress we're making, we still have more work to do because it's really important for us that we'd be in a position to deliver consistent and sustainable performance. So trending in the right direction. Thanks for asking.

    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, maybe I missed this, but I did want -- did anyone -- did we talk about the customer and what's going on in the Retail segment? I know there's been some noise about trading down because of the inflation, although Ahold said, overnight yesterday, that they're really not seeing anything, that some people are trading down, some people are trading up, so net-net it's confined. And I just wanted to kind of see if you guys had a view on that. I don't know if I missed it, but I just wanted to see if you had a view 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
 
Yes, well, it could be both actually Chris, because from a logistical standpoint it is likely we would require a proportion of our patients to be in stage 4, as there going to be transitioning into Stage 5, just to get a long enough exposure for the long-term safety group there. So it could be both. Both on the efficacy side and the safety side, we're including stage 5. We'd like to include stage 4 patients and as I said, we're continuing that discussion with the FDA, with the idea that we'd like to see both IV and V in that final Phase III program.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
So we have approximately 25% to 30% of order book being signed or committed to the customer end for 2022. Some of the contract is based on the secured price and terms. Some of the contract is just a framework contract, which means we keep the commercial part flexible up to the market. So -- and we also have some of the framework contract which has index-based pricing mechanism, which allows both our and our customers to have flexibility when the market goes up and down.
So basically, we have learned a lot of lessons from 2021 and we carried on, and we established some new business model with our customer end for '22 and longer term.

    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
 
Absolutely. At a minimum, I should say, we're super busy. We're turning on projects. And as I mentioned earlier today, we bring on the customer in the state of Washington.
You know, this was a customer that we sold the VFU to earlier. But, you know, they had some issues with the -- the general contractor that they used in the past and they realized that well, you know, Agrify can actually step in to actually help us to solve their problem. So basically, they expanded the engagement with us, asking us to essentially go back in to help them to finish the construction of the facility, as well as providing with -- them with construction capital and also just to make sure that the facility is going to build right and basically bring them up to speed as soon as possible. The -- the -- the reason why we're -- we're super excited about this opportunity is that, obviously, this is a customer from another state, the city in Washington, but also because Hannah is already, you know, an existing operator, a Tier 2 operator, with distribution points one in 200 distribu -- dis -- distribution points in the state of Washington.
So we believe that with our contribution, we will be able to help them to get this -- the facility up and running quicker. And obviously, ideally, we would also like to see the same level of consistency and quality out of the state in Washington. And if we can actually prove that, you know, we can get the same level of consistency across different states, that's -- that's really a true winner right there. So 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
 
Sure. So just a little bit of history on the Thousand Trails upgraded, that really it offers a number of options. We offer a number of options to own and upgrading membership. It's really designed for the RV'ier who plans to camp and travel in multiple locations over an extended period of time are really those who just want the flexibility to go to a single destination with fewer used restrictions. S they're looking for longer stays, advance booking windows and the ability to kind of go resort to resort. And so, I think that as we see some of those members are becoming annuals and some of them just wanting to continue to upgrade and some of them are multiple upgraders, they continue to upgrade as the new products come on 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
 
So when we look at the normally stocked inventory in the aspheric and toric sizes, we're trying very hard to make sure that our recovery in that area is very swift and it's already underway because that is an area where you do have options as a patient. If you are a patient who is someone getting a made-to-order toric lens, you probably have marginal to no options related. That doesn't make your need for visual freedom any less but it does mean you're more willing to wait. Because the only real opportunity for excellent digital freedom for you as a made-to-order toric patient is what we deliver. So we never ever want to be in a situation where we disappoint anyone in terms of time to delivery. But we expect that by mid next year at the latest or like the April, May time frame this will all be back to normal which is the six to eight weeks return.

    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 I'll start and Justin can add. I mean, I think right now, we see fairly significant opportunities for new fiber builds, many of which will have the anchor tenant construct I talked about. So there's a top line -- there's a gross capex number, if you will. And then there's -- there will be a fair amount of that. We expect will continue to be reimbursed. But -- but more broadly, we just think there are opportunities to continue to work on the network expansion they've been doing that should pay off well. So I think we expect significant capital expenditures in the near term.

    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
 
Transit in general or leisure transient?

    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, sure. Obviously, our platform is allowing us to have any currencies, right? And that's unique. We are in 200 countries. We can take any currency to translate to any currency and settle in that, make the compliance programs, know your customer, and payouts and probably the one of the biggest advantages is that we can also translate the digital currency to Fiat currencies in 130 currencies. So the biggest question on the digital currency, digital currency is such a big word. It's a cryptocurrency or essentially bank issued currency or bitcoin, it's the volatility of sometimes of the coin and the use case is for consumers. And we are looking at that. We are really involved on several discussions.
And for us, digital currency once is regulated once it's really the use case it's like taking another currency and settle in another currency. So we feel very comfortable that our platform can do that. Once we feel comfortable and have the use cases, we will definitely start. And many digital currency companies is also approaching us because they know our capabilities. They understand that we are close to the consumers. We can do both Fiat current and digital currency. That's something very exciting.

    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, DOT as it's referred to in the press release, and then during today's call, will not be referred to as DOT any longer. So DOT will be rebranded.

    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. Good morning. Todd, maybe stepping back from all the numbers a little bit, you talked about a very competitive environment out there. Just kind of curious, is it primarily a rate or are you seeing more competition on structure these days? And kind of wondering how that's affecting your thinking 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
 
Yeah, I think remittance and crypto have both seen an increase in attention from our perspective and a growth in the pipeline. And you're right. It tends to happen once we onboard kind of a few initial marquee names. It makes it easier for us to develop kind of more customized technology toward that segment and also makes the go-to-market approach a bit smoother because of our experience in that industry.
So, yes, we agree.

    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, I think that's all for today. Thank you very much for your participation. Thank you for your support and have a great day.

    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
 
A.J., I don't want to go too far into that, talking about the future, but what I can tell you is talk about the past. So we have a track record of successfully opening new agencies, and that is something that has allowed us to grow our business organically. With our strong installed resident space, it was easy for us to get new agencies up the ramp relatively quickly. I see no reason to think that with HCA Healthcare's volume, that there's not a big opportunity there. Now the question is, is what will HCA want to do with that? And that's a question for them.

    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, look, I mean the, and I would like. I'd like, I'll let my comment a bit more in a minute, but at the high, at the high level, we've, we don't feel that there is any limitation for us to invest. Look, I mean we just want to take it one step at a time. I mean, Waters has industry leading margins, has superb cash flow, so there is incredible flexibility to invest. We simply want to make sure that we do it in the right way and in the right areas. Right. And again, coming back to the transformation program, the first focus is to get the sales momentum back, which were off to a good start, I mean 1 or 2 data points don't make a trend. So we'll keep, we'll keep at it, we will focus on the processes and the systems and then there'll be, there'll be enough time to think about enhancing the portfolio both organically and inorganically. So there is no, no, no limitation on that front. As far as the share repurchase program is concerned, it's part of our overall capital allocation philosophy. It is a lever, but don't assume that that's the only lever we have. Mike, do you want to comment on the priorities for a minute?

    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
 
Welcome

    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
 
Okay thanks, Ebrahim. First, we think the efficiency ratio in the lower 40s is sustainable for the next couple of years. We think our strong net interest income will overpower any expense growth that we have. What we're doing as a company, I think it may be a little bit unique rather compared to our industry peers, it's not only are we working on 2022's growth, but right now, we're working on 2023's growth. And we need to keep the efficiency ratio in the lower 40s, so we can bring in new teams, as I just discussed, launch new products and services to propel us going forward. Regarding AMH and if there's anything that worries us or can impact the growth, AMH has a number of levers combined being inside of a commercial bank, as you heard Dale talk about with net interest income growth. And so we are still confident about the 2022's EPS guidance that we had given when we did the acquisition which is now folded into our overall guidance as we talk about the company.

    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. Thank you for taking the questions. Maybe to follow-up on COM902, I think the lack of lymphocyte depletion on TIGIT positive cells is interesting, but can you remind us what is the magnitude of decrease that you would expect to see in these cell subtypes with those TIGIT antibodies that have been engineered to have enhanced effector function?

    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, so the straight answer is no. And, but Steve, we -- you and I've talked about this a lot over the years, which goes back to the basis of our business and what our focus is. So being exclusively focused on technology and life sciences, and we've always said that market is what we believe is the best market to be into.
And especially during the pandemic, what we thought was going to be an issue ended up being, really being a catalyst for growth in the innovation economy, it slowed down for a brief period of time. And then when there really weren't a lot of other alternatives from an investment perspective, money really flowed into the market that was incredibly strong for the second half of 2020 and clearly, as you can see for the first half of 2021, it has been exceptional. But really technology and healthcare are really taking over really the growth from my standpoint from a global perspective and a lot of people are investing in that and we're benefiting from 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
 
I don't think it went out far enough so that we would have seen whether or not if it continued or how far it would have continued. I think the main thing was really to show if they could show -- the main intent was really to show whether there were some signs of reversal.

    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. Good morning, guys. First question just on TT. If we use Q3 as a baseline, your production in Q3, was that close to kind of the max production for you guys? And then notwithstanding maybe Q4 and Q1 where you have some ore issues, how much more volumetrically can we grow TT as we get in toward the back half of next year and then even into 2023?

    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
 
It's more on the unit, it's on a unit basis, right? So when you do a recovery zone at plan and remote mucking at 1,700 tonnes a day, when you were supposed to do manual mucking at 3,000, 4,000, there is an impact there. There is an impact, obviously, and a global incident and ramp-up and the impact of the downtime, of course, globally. But once you're back on your feet in term of, let's say, Lift 1 productivities in the second half, what we have planned for the B3 unit cost, again, all reference to 43-101, we still feel very strong. Fuel-wise, I think we could achieve better than originally planned.
So we'll be very close in some aspect. But unfortunately, we'll be impacted a bit on our unit cost for the underground as a result of what's happening 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
 
Good morning, Scott.

    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 the resort Sun Outdoors San Diego Bay, that is an RV resort. It's got RV sites and vacation rentals. And typically on an RV ground-up development, we would see stabilization within a three-year period of time. And one of the benefits of the RV development is we can accept guests and we already are. In fact, I'm heading out there on Monday night for the official grand opening on the 4th [Phonetic], that we've worked with for close to four years on and it will generate positive NOI in 2021.

    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, Jim. You know, we can't comment on that yet. That's not publicly disclosed. We're -- this is a Q4 and year-end conference call.
I'm not prepared to comment on our net debt position into 2021. That, we will provide in the May conference call for Q1.

    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, we are consistently current -- we're constantly, constantly is the word I'm looking for, monitoring those markets to try to optimize our capital cost structure. No question.

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