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
 
In West Virginia, as Peter mentioned earlier, we have a -- obviously, the situation there is that we also -- our customers are to quite an extent also coming from the neighboring states. And so whatever happens there is also impactful or maybe impactful to our casinos. We have been burdened by COVID restrictions up until quite late in the quarter where everything has been -- when the restrictions have gone. And since then, we see our volumes really shooting up. And we are -- again, as Peter said, July looks very friendly and very positive. So we see more -- we think it's very well possible that we also can exceed pre-COVID levels rather quickly. And again, with regard to the mix of what we offer in addition to the pure gaming, people seem to be happy with what they find.

    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 mean I think certainly the demand environment is robust and we're seeing a lot of good opportunities and I think we're able to work through those opportunities and make sure that we're serving our best customers very well and one of the things that we pointed out in the quarter was the use of purchased transportation and that's in different parts of the business, whether it's linehaul or in the local operations. And when -- as you mentioned, when we see the sustainability of our business plus we want to make sure that our customer service stays in a great place, we tend to think about replacing those types of cost with something that we handle ourselves.
The other challenge that we've had and we've talked about this is just the hiring challenge. Last year at this time, I think we had about a 1,000 people laid off and we've done well, I think, adjusting for that, but it is against a headwind of a challenging environment and so we're making progress. We've hired hundreds of people this year so far, but we also continue to want to hire more. And so again I think of it not only as increased demand and us having a great network capacity source for our customers, but I also think of it as replacing some of that purchase transportation cost. And it will take us some time to do that, but I feel like those two elements are what's driving those comments about 2022.

    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, Vlad. So we're very -- obviously, we're very happy with our orders in industrial process, right? We were up 26%, and it was pretty broad-based the growth is. And it was sequentially also higher than what we saw in Q2. And we expect this to continue in Q4. And so far, there's no indication that this should stop also in 2022. So we're very happy because it's both the short cycle and the project. Obviously, your question doesn't apply to project. But in terms of short cycle for our baseline pumps, we're not seeing any indication, and we have a pretty close report with our distributor partners. We're not seeing any indication that they're building stock. On the contrary, as we mentioned, we are -- it's hard for us to keep up with the increased demand. So they are pretty -- the supply chain is pretty tense.

    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
 
Morning. 

    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. Hi, good morning, everone.

    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. Yes. The ESG situation, particularly in Europe and North America and the increase in oil prices and the rate of increase in jet fuel cost since the beginning of the year, has really refocused a lot of airlines to accelerate their fleet planning process and to take a much more proactive look at modernizing their fleet quicker than they were planning to do back, say, in 2019. So all of that kind of comes together in what we've been saying in the last 45 minutes is that demand is now up, way up beyond our expectations. And so therefore, the most desirable, fuel-efficient, environmentally friendly aircraft are the ones that are going to achieve the highest returns. And Air Lease will be a beneficiary of that for many years to come.

    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, John. Next question, 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. Hi, good morning. Yeah, we will give you some color on those loans. So there were four in total that were added into the non-performing leases. The two from New York are -- they are commercial real estate. They had a -- we had a recent appraisal on them, and the recent appraisal that we obtained confirmed the level of loan loss provision that we had already.
So it's on -- combining those two loans there is about $30 million that were added, and we have close to the $10 million loan loss provision between those two loans. They were -- there are great properties in very good location. One of them is the one that I mentioned that it will be transferred to OREO for about $12 million in book value and that -- on that specific one, we have close to the $3 million loan loss provision already baked in.
So, all the values that we obtained were consistent with the level of provisions that we already have. So we feel like they are very well provisioned as of 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
 
Yes. So clearly, we would like to do more too. But I got to be honest with you, if you think about the COVID pressure from an EBITDA standpoint, and you look at the debt leverage ratio that, that's created for us. The fact that we've done as much as we have with the limited firepower we do have is pretty impressive. I'd actually give the team high complements to be able to select targets, get creative in the way that we pay for those targets even in an environment with high multiples and bringing technologies that are absolutely fundamental to success inside of set for instance.
Our A&E acquisition helps us in our thoracic space, which is a big growth area for us that we're focused on. The relying technology that we brought in filled out significant gaps we had in sports, and that gives us the ability then to leverage that full portfolio. And even Omni suite, which is not overly exciting, when you talk about booms and lights, but it gives us a bigger presence in the ASC market.
All those things happened in concert with a relationship with Canary for smart implants, long-term smart implants beyond just knee during the time that we just didn't have a lot of firepower. We absolutely expect over the next five years to increase that fire power, particularly as COVID gets behind us, and we will then flex more muscle in this area. But I would say the opposite. I would say that we did more than I think would have been expected given the firepower we had.

    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. Thanks, Mig. I mean, the guidance for 2021, we're really looking at continued momentum in terms of closing the year-over-year gap in rental volume in Q1 and then we're running into sort of year-over-year growth in volume in Q2 and Q3 with soft comps from COVID and looking toward sort of stronger growth running into Q4. So we're sort of pushing back toward 2019 levels.
I don't really think we'll get there in terms of rental revenue, but we should get close. We've got room to improve EBITDA margins with the cost structure staying relatively light as we sort of were just pushing the lessons learned during 2020. So we don't see the cost structure getting back toward 2019. There's room to improve EBITDA margins on slightly less rental revenue.

    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
 
OK. Thanks, Paul. 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
 
And I was going to say, Nate, just for the outlook for the year on the reserve or on the provision levels, I think, we've done a pretty good job of bumping our coverage levels over the course of the year with the allowance in terms of gross dollars as well as the coverage going up almost a third. Also as we said in the prepared comments, net charge-offs has remained relatively low and right now we're not necessarily forecasting a lot of credit losses on the horizon. So I would expect, at least, as we sit here today, probably the level of provisioning will be down relative to what we did this year, but we still expect to continue building the reserve and expect by year-end, we'll be well above coverage ratio in excess of 100 basis points on the portfolio.

    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. So, a lot of that acceleration is the model starting to take effect. And we're starting to see the impacts of the model that we put in place a number of years ago. And so, starting to see the impacts of these ramped deals that flow into the number in a more meaningful way. And as we layer on cloud customer cohorts, that becomes a more powerful artifact of our model. We're also -- this is -- we're also seeing good buying Cyence from existing customers that are contemplating an eventual move. I noted on the call that predicting the timing of getting that to final resolution can be difficult, but all the patterns we're seeing with some exciting existing customers seriously contemplating that move. It flows into how we think about our expectations for next year.
And then, in general, as well we're starting to see, for a while it's been a little bit of a soft market for insurers wanting to modernize new systems as they wait for the maturity of the cloud platforms to reach a certain level. And we're starting to see some good momentum on that part of the market as well, which is exciting for us.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thanks, good morning. In terms of risk management, I guess, you've always been very good on knowing what you don't know and the partnership you had with Kuwaiti is really representative of that. But maybe more broadly, how do you think about partnership or JV potential just in the context on your business?

    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. Todd, I mean, we're going to -- we start with sort of our philosophy around this is really about growing profitability in the business, right? So over time, as we think about those incremental opportunities, I think we look back at our playbook, and we say, we've kind of learned how to do the organic expansion. We feel like we can build that into the operating model. I mean, the long game here is to provide incremental service and reach for our customers. So we can -- we think that's a natural progression of developing growth around this, but we're going to be -- at the same time, this is an expensive business to operate in. So we will focus on developing -- continue to develop that OR. I don't -- as we think about the longer-term opportunity around that, this is part of it.
As we filled in that geography, if we add incremental terminals to improve coverage in a city like Atlanta, there's going to be operating efficiencies that come out of that. That should help fund some of that growth. At the same time, we've shown that we can replicate that service seamless to the customer. So I don't think that would impede our OR development over time. And our growth is, we're continuing to look to grow our bottom line. I don't know what that's going to -- all that's going to mean for shipment growth or tonnage growth over time, but I think we'll continue to track. And you'll see that grow with the economy, grow with our expansion. But really, for us, it's a focus on making sure we get a return for that investment.

    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. Sure. So we are encouraged. By the ramp in earnings and capital deployment thats providing that ramp in earnings. We have made meaningful progress, not only in the MSR side, but were hopeful that we have additional opportunities to discuss, as I referred to in the script here over the course of the coming quarter. And I think that leaves us with a positive picture and expectation over the course of the rest of the year. And I think that -- and thats something well be talking more about over the course of the remainder of the year. So I think the basis, the improved basis in earnings and capital allocation, combined with the additional partnerships that we hope to have in place here over the not-too-distant term. Certainly in the coming quarter will provide us with additional ramp to deployment in earnings and set the basis for further conversation about that over the course of the rest of 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
 
Hi, Ken. Thanks. Yeah, just as you alluded given just the size, particularly relative to our market cap, probably -- tender offer is probably the only option as most of their options take a long amount of time.

    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. Thank you. Thank you to all. We have completed the conference call. And if you have any additional questions, we are available with our Investor Relations team. Thank you.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Sure. It's Mark. So, we said in the prepared remarks, we're comfortable with about $300 million of balance sheet capacity toward acquisitions. I think currently to build the history this year, I think we've lost every bid in a broker deal this year as there is a ton of capital chasing hotels. So it is a highly competitive environment. Every private equity firm is chasing hotels. They like the recovery story and some other REITs have stretched much more than we would have on certain acquisitions, which is different assumptions than outlook. Currently, we have, I think, five written offers out. Most of those are off-market deals to pick up of those five, four resorts, one is not a resort, so they kind of a unique lifestyle market, but we're spending most of our time on the off-market deal. This is a very competitive marketplace and trying to use our relationships and sometimes different visions for the properties repositioning to try to do deals that make sense for our shareholders.

    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. As we said earlier, we're still working through the 2022. But just talking about the backlog, I mean, you really need to -- as far as when it burns, you really need to go through it by business. So if you think about our commercial HVAC business with applied orders, that backlog, when an order comes in, it could be a six to 9-month burn rate on those type orders before the actual ship. In the TK, it's a little bit different this year than I've seen in other years.
We had a lot of customers place orders in the first quarter and kind of lay them in through the rest of the year. And the other complication with TK we're seeing right now is, obviously, we're working with our customers on their slots for trailers and tractors. So normally, the burn rate in TK would be two to three months. That's been extended a little bit just because of the constraints associated with the actual building of a trailer. On the resi space, I mean, our backlog turns. I mean it's turning on a regular basis. And overall, I mean, we have a very large backlog. We have order demand that is some of the best I've ever seen in my career. But understand, our backlog is not stale. It continues to churn, and we're shipping out. We're just getting order rates that we haven't seen a very long time in this business that are continuing to build this backlog.

    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
 
Sorry, yes, I forgot to comment on that. Yes, of course, we know that is coming due in October. So still many months until that. We have a decent cash position as it is.
And we believe the capital markets are there and available. So we think that there is ample time to address that in due course and certainly well ahead of the final maturity.

    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. Thanks, Scott. I think I'll start and Corie might need to jump on the last part there. I think overall, for the Q4, we were very confident that we are going to have inventory to meet and support the demand of our customers.
There's always a level of constrained inventory when you get into Q4. We are still seeing pockets of constraint now. We are in a very healthy inventory position. Clearly, we'd like to have more in certain areas.
But we have a high degree, as we've talked about, transferability between categories and within category assortment to meet customers' demands. So we're feeling good there. I think overall, from a gross profit perspective or a profit perspective, one of the -- we did talk about how we expect to see gross profit rate pressure in Q4. total tech is certainly the bigger part of that pressure.
We will see probably more return to more promotionality compared to last year. But again, overall, compared to two years ago, it should be less. But again, we'll watch and see where it goes and adjust accordingly.

    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. We see the upside on the narrow-body and definitely the wide-body been more of a drag. The 787 right now is, I think in the 5 range. So, while we're -- that's -- what we've done is, we've adjusted within the shops -- our production shops to the rate to the rate that we think is most probable in light of continual feedback from the OEMs but also then relative to how we're streamlining the shop. So -- but I think for the most part now, I would say, that our -- on the OEM side, we're starting to see the rate projections which were very volatile for a period of time stabilizing as we look going into the year and the out years.

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