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
 
You know, that's a very fair question. It's one we're kicking around hot and heavy here. It will be a board discussion shortly as well. Look, while we have the TRS is out there kind of in limbo, not sure when precisely they're going to close, and that obviously would have some big impacts. We just don't think it's investors best interest to have us put something out there that could be wildly dependent upon timing of closings and so forth, wrong. When we are free and have closed those transactions and we're down the pure read operations, I think that's something we could well consider. I'm looking at Desiree, I think shaking her head in the positive way, so what 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
 
It is final. 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
 
Thank you. Good evening. Grant, after the contemplated investment and expense increases that you have for the year, what are cash operating expenses and GAAP operating expenses going to be for the 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
 
Well, I think we'll -- the way we're looking at it now, the variable the dividend concept, this is, I guess, here in December will be the fourth quarterly distribution. So I'd say still relatively new. It's been very, very well received. We think it's very prudent.
We agree with your comments on the share repurchase. Those are permanent and meaningful. But I think with the variable dividend, we've had a lot of discussion. Some people have really asked us about are we wanting to bump that up to, say, a 75% threshold or something.
I think, for us, we think the 50% is a very, very prudent level as the others plays out. We talked to the base dividend, this variable dividend, now the share repurchase. And then as Jeff talk about the debt reduction, those are all really, I think, add up to a very, very compelling story for shareholders, something that we feel -- you don't feel really good about. So I think that we'll see how the share repurchase program goes.
I think the question will be down -- this question you're asking, give us a few months. Give us a few quarters and let's see how things play out and what really makes sense but that's really how we're looking at it. I think a balanced approach is pretty hard to compete with. And, Jeff, you may have some additional comments 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
 
Yes. it's 125 or so in 2021, but that's just three quarters. So the annualized number is really for 2021 will be in the 160 range if you annualize it. So the 150 was --- would have been trailing, so that reflect sort of what we're expecting for 2021.

    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
 
This is about $75 million is from C1. We are probably absent. The C1 is probably about 15 point reduction, if you will, in our RBC ratio just in and of itself. So, that's around $75 million.

    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 can just start and Matt will fill in. But I think that on the service revenue, I think you have seen the last four quarters right now, I mean, how the team has done a fantastic job to differentiate our offerings, all the way to see that our customers are doing step-ups, they are taking the unlimited premium and Matt said, I mean, 60% of the new accounts in the quarter has taken unlimited premium and the penetration of 5G is happening. So we just continue to team with Ronan on the Consumer side, if we talk about that. They have this model and we have had it for several years, where we do the Mix and Match. We have a differentiation and it is clearly resonating in the market. And at the same time we see, of course, the economy coming back, the stores are getting almost back to pre-pandemic. So, all in all, it's a good timing for us and that's also why we feel good about our guidance and how the service revenue is growing.
And remember, we are always focused on profitable growth. That's what the team is doing. And when Matt and I see opportunities, we support the team to do it, but as long as it's going to be a profitable growth. And that's what we're seeing right now with all the momentum in the market. The team is taking advantage of that and that also translate back to the guidance. But, all in all, I would say this is our strategy we've been having for a couple of years and has been very successful. Matt?

    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 there, Carvey. This is Iain. Yeah, we saw an additive benefit. I think, you can see that from this slide.
We did obviously evaluate the model therapies, and individually both perform well at the concentrations we evaluated today. And obviously when we added the combatant -- combination they both contribute meaningful additional efficacy to the -- the overall. In relation to the clinical doses, the study is still ongoing. We still have additional data to collect and analyze.
And once we'll be in a better position then to determine what study -- sorry what concentration will be taking into the -- into phase 2a. Well, as you can see from the slide, I mean, the 0.6% tofacitinib and 0.01% fingolimod, again, appears to be performing slightly better than the other dose. What was your -- what was your other question again, Carvey, the middle one? Apologies.

    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, Doug, I want to make it really clear. We're not stuck on 10% growth rate or 8% growth rate. We are totally focused on making sure we do the right thing at the right time. So, we -- the oil price does not guide how much we're going to grow, it's the market fundamentals.
And so, we're really focused on that. We've laid out, I think, a strong set of fundamentals that we're focused on and we will adjust our plan each year, which means our growth plan each year, to those market fundamentals. And maybe certainly, we -- next year, that we don't grow at all or we may grow at 4% or 5%. We'll just have to see what the market fundamentals show.

    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, sure, Ken. I'll start with the dividend mechanics, and then maybe I'll let Jay comment on your other question. So the way to think about the dividends is that the $2.2 billion is being distributed to all shareholders based on their economic interest. So our public Class A shareholders have roughly a 6% economic interest and then RHI has a 94% economic interest.
So they are each receiving a dividend in proportion to that economic interest.

    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. Sean, thanks for the question. I appreciate the sentiment behind the question. I'm going to stop short of asking like -- of answering what total magnitude of the PMPM increase could be because I think that will evolve as we take -- as we get value-based reimbursement as we ultimately take risk.
Because I think, ultimately, we have the opportunity to take primary care caps and potentially even beyond what a traditional primary care cap looks like. But that's going to be a multiyear evolution. Some clients are going to move faster. Some clients are going to move slower to that eventuality.
So I think you will see a meaningful increase for the populations who are within the Primary360 product. The ultimate question of how big of an impact will that have across our book of business will be dependent on how fast we roll out that product and the evolution toward value-based reimbursement. With respect to the increase in number of visits, I do think that has a significant opportunity, right? Being -- going from being a -- sort of if you look back five years in our rearview mirror, a virtual urgent care provider that was purely episodic to becoming someone's really virtual medical home, where they go as a first stop for all of their healthcare needs brings with it tremendously more frequency of interaction, higher value of interaction, a full care team, right, which will include primary care physicians, specialists, mental health providers, physical health providers, coaches, registered dieticians, as well as digital assets. And so I think the opportunity for significant increase in frequency and velocity and value of interaction is very real.
And so I think we'll be able to capture the value that we create when it comes to those visits.

    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
 
Oh, bluebirds? I'm not sure what you -- what readout are you asking about from bluebird. I mean, I probably am not at liberty to say or involved about bluebird since I don't work for bluebird.

    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
 
You bet, Dave.

    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, I think actually cap rate compresses tremendously. We bought Austin, Lakehills in Austin, December of 2019, shadow anchor Target in one of the best intersections in the city for 5.5% cap. We didn't own the Target box. It was a 4% NOI CAGR, $27 ABR in a $42 market. We are -- what we would have left at Northborough still is over roughly 50% investment-grade with four TJX concepts, ULTA small shop, Old Navy. So we feel very bullish, and we feel that it could be a great cap rate compression just because of the more liquidity and high investment-grade tenancy.

    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
 
That's interesting. I don't think so. I 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
 
Yeah. We continue to -- Asia -- China has recovered nicely from the pandemic, OK. And we continue to see good results there. The rest of Asia is really -- it's really spotty and it's really country specific, and they're really struggling with the pandemic. For 2021, we think it's going to be a mixed year. We believe that China will continue to perform and we're confident that they will. But rest of Asia, it's going to be, let's get this vaccine distributed and let's show the economy is -- hopeful, the economy start to come back in the second half of the year, and we think they will, and that's why we built into our models.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Well, on the capex side, I think we're conservative there. And in our hotels, because of the money we've spent over the years, are in very, very good shape anyway. So by having even up to 24 months of very little capex going on, we will come out of the pandemic in good shape. We have allocated some money to one or two hotels that have about 10 years into their cycle for what really is just a soft good cycle redo, not extremely expensive. So we'll -- on the capex side, we'll be looking just fine. And acquisitions are something that just will continue to dig for and work on to expand, particularly in the extended-stay arena our kind of presence there. And I think it's going to take, as we've commented, and I think others, a little bit more time here for some of these opportunities to really come to fruition. But we'll continue to utilize our kind of long-standing industry contacts and relationships, and I think we will make some deals down the road here.

    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, everybody. We are encouraged by the progress so far during AEP and in the momentum we continue to see with Encompass. We look forward to sharing our full year results during the fourth quarter call. As Veterans Day approaches, I also wanted to share a big thank you to all of our veterans who helped serve our country over the years, including the many that work at GoHealth.
Thank you, everybody, for the time today. Have a wonderful holiday season. We look forward to catching up soon.

    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. You know, it's an interesting conversation because when we talk about the awards, I'm not sure what your near term is, but, you know, we're not expecting anybody to see anything significant in the next year or so. So, you know, the awards -- most of the words we've heard discussed and we've seen out there a couple of years out, we believe that a lot of those will still be in play. You know, we've had -- we mentioned earlier, we've had some conversations with customers who are coming back to us because the ones who are more near term are finding that the people they selected, or who might have previously announced their relationship, are unable to produce, and they're not confident in the sensors to be able to perform at the level that was expected, where Velodyne Lidar is currently producing sensors and can deliver sensors at the volumes that they need to meet their start-up production targets, and are also going to be capable of providing the levels of, you know, accuracy that they need in order to be able to release their systems.
So, you know, this is -- you know, it's an evolving story, but that's why we've gotten so far. So, we are aware of some of them. We look at them, and we feel like some of them are kind of really still kind of R&D stage, and there's still -- you know, this could change. And we'll see the dynamic we just discussed could play out more so in the coming years.

    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, Kevin.

    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. Yeah, thanks for the question. And let me just kind of step back and talk about PPE in general and try to loop in that piece as well. There is -- certainly, the overall demand dynamic here obviously continues to be quite strong. And we are seeing certain components get a little bit more imbalanced between supply and demand. But certainly, cost remains elevated across all categories. It's probably even more extreme in terms of that supply and demand imbalance remaining in exam gloves. So we continue to see that demand is far outstripping that supply, which has created some -- just some supply chain inconsistencies. Not only so now we're dealing with just the timing of supply, but we're also dealing with all the different timing elements of the cost increases and price increases.
So it just becomes a bit of an uncertain combination of different influences that have driven some of these cost increases to be delayed then until later quarters. So overall, our key objective remains the same to make sure we're mitigating all these cost increases and working with our customers with the supply assurance program. But the timing is going to vary, as we said last quarter, and we'll continue to manage that as appropriate.

    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. The push forward has been pretty positive. I mean we're still worried about DC and Houston. They are recovering, but at a slower pace.

    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 you said 57% in the quarter, can you break that down to pieces of digital and in particular, delivery direct versus indirect in the marketplace, please?

    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. I think you are. I think that the -- just to elaborate on that, I think that the offset to the savings that we talked about when comparing '21 to '19, the big one would be marketing. We do continue to increase marketing investment in our brands. We were up in 2020 in marketing, even with the revenue being down so significantly, and we are planning to further increase in '21. So marketing is probably up $15 million in '21 compared to what it was in 2019. And then as you point out, there's also -- as our owned and operated e-commerce business has grown, keep in mind, that's the highest variable cost business that we have. So there are variable costs associated with that, that are up. But other than that, I think you're thinking of -- you're really thinking about it the right way.

    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 that we're fortunate in that. We are not tied to a lot of municipal activity in terms of CPI rollover. So we're not struggling with that as some of our peers do. I think the team has done a really great job, Tyler, of covering off the inflation. I think we hit it but I think that we need to be a little bit more aggressive from a price standpoint to make sure that we're covering off all of the inflation and staying ahead of it into next year or so.

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