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
 
Well, it's both. Obviously, we lead with buying larger and larger amounts of MSR, but that leads to opportunities to grow our origination channel as well. So we think DTC is going to grow, Correspondent is going to grow. But yeah, we are going to lead with more aggressively buying MSR in the market.

    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
 
William do you want to address the question about government policy?

    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
 
If you want to follow up on something else, feel free.

    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 a valid concern. It's something that we monitor and whether we own the lots or we're buying over an auction. We have people in the divisions working with, on every community to make sure those lots get delivered.

    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, we can.

    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
 
Great question. And based on all the feedback and insight we have from our manufacturing partners, and we'll obviously get more into this on our call next quarter. But sitting here today, it looks like that we can have unit growth next year based on our manufacturing partners. There's a lot of moving pieces in that, but that's what it does look like, which is great news.

    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, 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
 
That would have been experience up until the end of last year, but we also looked at the trend into this year as well. So I would say it really reflects the full experience going back prior to this quarter.

    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
 
Great. Thanks for sneaking in, and I'll try to double up on my question here to save time. You guys mentioned net revenue retention for greater than 2,000 ACV customers went to 113% from 106%. Just wondering if you can help me maybe rank order some of the components that drove that, whether it's retention, programmatic upgrade, payments, attach of other partner products? And then the second question, just ARR has outpaced revenue growth the last couple of years.
Is that a dynamic that we think should extend into 2021? 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
 
OK. Great. Well, thank you, operator. Thank you all for your interest in CCAP and your time today.
We look forward to speaking with you all soon.

    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, Jim. Yeah, TCs and RCs and the price participation, these are something that the smelters and the offtakers build in. So they want to ensure should metal prices start to increase, they want to participate in the upside. And when we -- looking at Bolivar we locked in our contracts for the 2021 year back in June of 2020, and metal prices were hovering around copper, I should say, was something around $2.75 a pound.
So if we think about it -- and the formula, not to get too detailed into the granular, but essentially the formulas work that for every $100 per tonne rise in copper price, there is a $10 per pound rise in the TC/RC. So you can see that our copper price went from -- if we talk in tonnage, we went from around $6,000 a tonne to $10,000 a tonne. We were actually hovering $10,500 a tonne. So based on that formula, it adds another $400 approximately to the TCs/RCs.
So that's extremely significant. And to answer your second part of the question, will these continue? Because of the Bolivar operational issues, we do have -- they're likely that we will complete our 2021 commitments in the first quarter of 2022, just because of the great issues that the concentrates were not at the level that we anticipated. So we will likely see these TCs/RCs continuing into, I'd say, April of 2022 before they reset again and go back to a much more normal prices or costs, I should say.

    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 mean, obviously, we don't really talk about another company in our calls. But I would tell you, as Bose asked, for us, we're trying to build this up market-by-market and segment by segment. And we're really thinking about scale and size that way. It's not really a top down look, it's really a bottom-up look. And so we're constantly looking for opportunities in our businesses to either enhance our capabilities or give us the scale so that the stability of our economics are better and that will be part of what we do for the foreseeable future. And we don't feel like we need -- as a company, we don't feel like we need any transformational thing or -- I mean, I feel like this juring [Phonetic] that we're on, you can see the traction we have, you can see how we've closed the gap between us and the major competitors. Would I like us to be better? Yes, no question. And we will continue to focus at a market-by-market level to make sure we're the best there is, and we'll do some acquisitions and fill-ins and try to acquire capabilities. But in my view, we don't need anything transformational to change kind of the outlook for this company and be able to continue to outgrow the market and outperform the market over the next 2 or 3 years. We just got to focus on ourselves and building our business. So --

    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 don't have that in front of us, Sam, right now. I would tell you that we -- all of our channels, including wholesale grew versus 2019. I don't have the split out between Michigan Group and Boston Group right in front of me, we can probably get you that information, but pretty solid performance across board by channel and by geographic region 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
 
Yes. I would say if you think about the percent of our team members that are in the first 90 days, they're not as productive as team members that are -- have been with us for a year. And we do have a higher percentage of team members that are with us for the first 90 days than we were two years ago. So there are some productivity improvements that we can do for those new team members. And we are spending a little bit more in training than we did two years ago because of that. And so there might be some chance to offset some of those things. But that will just come from inflation down the road. But yes, operating, we're operating well all of our operating metrics. If you think about our guest satisfaction metrics, they're still at the same level as they were over the last three or four months, even with these new team members.

    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
 
I mean, Melissa, it's really model-driven, and the change in prepay speed was not material in any serious way. And I think now that we are in the CECL world, we're going to see the CPR bouncing from 10 one quarter to nine one quarter, et cetera, et cetera. We aren't seeing any significant changes similar to what we reported last quarter, certainly. But CECL is a model-driven number, and we're going to see noise from quarter-to-quarter for better or for worse.

    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. That's what it is.

    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
 
Thank you very much for joining us on today's call. We appreciate your interest and ownership in Stepan Company. Please stay safe and healthy. Wash your hands frequently, use disinfectants to clean surfaces and get vaccinated. Have a great day. 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
 
I think the way that we look at this, we obviously manage each project closely individually. We look at this as a portfolio as well. And I think that having that flexibility where it might make sense to proactively delay things because of what's going on on the labor side or modules and things like that. But overall, and I think directionally, things continue to move in the same direction. Could there be some delays because of our contractor shortages of labor [Indecipherable] But I think that overall we're moving in the right direction.

    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
 
Jatin Shah, do you want to take 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
 
Hi, Alex.

    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, OPENLANE had fewer listings. I mean, the bottom line is fewer cars came on to the network, and the conversion rate remained reasonably strong, pricing was very strong, and it was just fewer listings. And that's a function of dealer behavior buying out leases, buying at the grounding dealer, not all grounding dealer transactions come through to us, some are processed on their own, that -- so that can impact our numbers. And we just saw lower volumes listed on the OPENLANE platform in the fourth quarter, and we somewhat expected that given the strong pricing environment.

    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. Go ahead.

    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, guys Thanks for taking the question, and congrats on all the success your guys. I wanted to follow up on Adam's question earlier on the NTAP and the pass-through payment. Do you think some senators have been holding back their usage of IVL waiting for these enhanced reimbursements to go into effect?

    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're seeing really positive trends. Like I said, even in the month of January, it's early, we exceeded our plan in January, which was an expected improvement in retention, whether that's gross and or net. So, we expect to see improvement in retention. Over the coming years, we've got a big focus on that. So we're going to pushing to improve both gross and net dollar retention, as well as customer churn. I think, the reversion of our historical trend where we've seen a decline in just customer retention is very positive as well. I think in the middle of the pandemic, we went from 92% to 93%, speaks worlds about the resiliency, I think, of our markets and our customer base, and the things we're doing as a business. And, I think, we have to keep that in mind.
Mike, anything you'd add on that?

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Hey, guys. Just two quick follow-ups. I guess, staying on new consoles for a second. I'm just curious how you're thinking about supply as we head into the holiday season.
And obviously, we've got the next-gen Grand Theft Auto releasing. I'm just kind of curious to the latest thoughts around console, supply and demand. And then just secondly, you guys have talked a lot about the pipeline numbers of releases for fiscal '23 and fiscal '24. You've talked about expecting sequential growth in fiscal '23, and you've talked about getting to new record operating results in the out years as well.
I'm just curious if that last comment pertains to that window that fiscal '23 to fiscal '24 window or if I'm reading too much into that. Thanks again, guys. 

    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
 
That's maybe going a little too far assumptions. Look, we're watching it week to week, and things can turn very rapidly in terms of traffic recovery, which will then generate sufficient earnings for them that they don't need government funding or government support from Vietnam. And that point, we ought to be on a much more clear pathway going forward. So I think two quarters might be a little bit too far out. I think we should normalize based on everything we see in the early months of 2022.

    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 you've hit the nail on the head. I mean, we're typically -- we're buying, say, the smaller companies from $20 million to $50 million. I mean, we're -- one of the big factors is just the rate at which we think we can grow them and the growth track that they're already on. So I mean, that's the most strategic part of the fit.
We're looking for good leadership. That's always important, but that growth run rate is super important. And we tend to find companies and acquire companies that have that great growth track where we can double them or triple the sales over the course of five years. And innovation is huge.
So we're looking for companies that have innovative products in the pipeline or ideas to bring innovation -- innovative products to the market. So that's always important. We never look at the number. We don't look at the size.
We look at the additive value that they can add once they become part of our family and how we can integrate and synergize the business. But the big ones have come along. We've been looking at CURT for a long time prior to the time that we bought it, and it was just good timing for both parties. And we're always looking at a few bigger ones.
Taylor Made was a good-sized acquisition we made in 2018 on the marine side, great brand, and I think it was $140 million in revenues at the time we purchased. So we're looking at those, but it's got to fit the other pieces of the acquisition requirements for us, which is leadership, innovation and growth trajectory.

    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 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
 
Marco, the comment from score was basically related to the low 1,4-dioxane project, which is one of the key drivers of the higher capex this year. That project will continue the execution in 2022.

    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 like our deposit growth. Certainly, it helps us in funding. We have good yield on those deposits. We're competitive in the marketplace. And I view it as two things: One, it's a good way to gather customers to cross-sell to; and secondly, it's a good way to just to help our funding costs. So we'll continue to be in the market for deposits.

    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
 
So of course, as I've said, I'm not trying to announce new loans or anything that we haven't already -- we did announce, like, 700 million to loans. And don't worry, we didn't just like do those loans and stop working. Hey, I'm on a tear to refi and bring our cost of debt down, and we've been quoting it to you. So you should be very reasonable to assume that we're able to read our debt chart the same way as you are and working on everything.
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
 
Hey, thanks for letting me ask a question. I don't think I've heard you guys address this or anybody ask, so I guess I'll ask on this. Can you just comment on the neutralizing antibody response, immune response in the comparison to convalescent plasma? It looks like there's a pretty sizable sort of difference there. And what gives you confidence, I guess, moving forward with respect to the reaction from, you know, investigators and also subjects to -- for the recruitment? Thank you.

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