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 terms of the broadband customer base, most of our customer base is on a entry-level package, meaning 200 megabits. So our basic strategy has been to have a very rich broadband product as our base product. And we've continuously taken that up. And so in terms of opportunities to sell up, we have a lot of it. And we haven't done much of that really. We do it. And obviously, we satisfy the market, but the bulk of our customer base is at the entry-level speed, which is quite high. I'm not sure I fully understood what you were going at with the passings growth. But it's really about housing starts and versus if you take out the RDOF out of it and what's that going to look like. And our footprint pretty much looks like the United States from a statistical perspective. And so if you look at housing starts and you have an opinion on that, that will probably mirror our passings growth.

    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. Just a question on user growth. 2.1 MUPs in September. With the NBA launching in October, I would imagine that number directionally is going to go up.
What's the right way to think about how that is going to, say, evolve, both going into November as well as December? And then New Jersey, MUP growth of 23% in the third quarter, which you said, Jason, is interesting. I'm curious to see, is it fair to assume most of that MUP growth is really sourcing from the sports side of the product offering?

    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. With no doubt, the supply chain is tricky to maneuver. I mean, we're seeing that, as well as everybody else. I mean, the ports are clogged up and they've got some staffing issues in both of the coasts.
And the containers are in the wrong places, all of that stuff. And just, frankly, there's not enough aircraft in the sky. So we're not immune to that. However, as you know, we are very localized generally in terms of our supply, our production, and our sell-through into markets.
It's a very localized model. And so I think relative to a lot of people, we probably don't experience it at the same levels. Our teams now, for quite a while, frankly, even going back to the times where we were talking a lot more about tariffs and things like that, have been thinking about where we have key sources of supply, how we can make that, frankly, more flexible. And to this day, every Tuesday, we kind of go around the horn and talk both about kind of how we're holding up in terms of the virus, how we're navigating supply chains.
And fortunately, we've been able to react and navigate around that, and that's the go-forward assumption for us.

    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
 
Right. So the answer is yes. Triglycerides are approvable alone. The pancreatitis, of course, we believe, will be a profile enhancing component for this drug. But only the triglyceride level is required for approval for this indication.

    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. Thank you. I wanted to ask around bookings performance. Any color you can give as it relates to the overall company and digital bookings in 4Q? And then as you think about your growth here over the last, let's say, two quarters or so, can you give us a sense of whether that's been from stronger competitive wins and better positioning of Cognizant due to the investments you've been making versus just the rising tide in the recovery of overall demand and spend? Just curious if you can give us a sense of how you see the mix of those contributing factors to your booking performance 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
 
It is. That's the right assumption.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
I'm sorry, Victor, it was breaking up. Can you repeat the second question?

    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
 
Fair.

    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. No, Owen. There's no change. Listen, we're going to still make investments, and we feel good about how we've managed expenses. I think, as Dennis said, as we continue to grow, there might be more expenses we add. But as I've started to say in past quarters, we're really starting to focus on the scale of this business, and we're looking to drive a more sustainable and accelerating margin level. So we will look to manage our expenses as well as reduce our expenses where we can, and that will be one of our priorities for this year.
But the one thing we won't do is, manage expenses to the extent where it would hurt revenue coming in. Obviously, if we have a number of large deals we're working on and if they were to happen, we would certainly support them with any new business, new people, new expenses we needed to. But I feel that where we are in the track record of expense kind of from Q3 to Q4, that's what we can expect going forward.

    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
 
Sure, Greg. This is Bret. I think with respect, I wouldn't get overly excited about the expense ratio being up for just the quarter. That will go up and down with the timing of several expenses. And I would say, we've typically guided to around the 27% expense ratio. And don't really see that changing. Obviously, I think we do a good job of managing the expense ratio from an operational efficiency standpoint, that work continues and will continue even well into next year. We're adding another company to the fold. And obviously, we're going to ring out some of the efficiencies there as well. So that work, as we get bigger and into different lines of business, we're very cognizant of making sure that we're bringing these operations together in the most efficient manner possible. So it's ongoing. But I think, we have always guided to around a 27% expense rate.

    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
 
Not a year. Although again, we are going to treat our first service brand in the next few days.

    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
 
Correct. Yeah. So look, I'm going to start in the back and work toward the front on that one. So from a perpetual license standpoint, my belief is, we've kind of found our new home plus or minus a couple of million dollars. It's generally kind of lumpy, so it shows up in bigger chunks. But as we look forward to next year, we kind of see it as being roughly flat to this year. And then -- and on the volume side -- on the volume side, actually, we saw a return to pretty much near full volume or at full volume in Q4. And we kind of expect it to kind of bounce around about full volume going forward.

    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
 
So I'll start on that and then I'll ask if Mark has anything to add to it, to do so. We believe we have a great product, a great team, and we're confident of CAPLYTAs commercial success and of our ability to execute and our execution. We are comfortable with current consensus for the year. Of course, it depends on the rate of COVID recovery and particularly as it relates to the return of schizophrenia patients to office visits. So, as Mark mentioned, some of the offices are opening up. The community mental health centers are seeing more patients. They're starting to allow people in and, of course, we are dependent upon the patient population we treat, schizophrenics, which is a fragile patient population and to their returning to doctor's offices. With that, we are comfortable with the current consensus 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
 
Thank you, Greg.

    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, Ned.

    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 think the build-to-rent space is a phenomenal space, and I'm intent on dominating that space and personally active in relationship building. What we like about the business is it has three components. The first one is the construction element, which is a little bit more complicated, it requires a balance sheet and real entrepreneurial capability. And that's the initial phase.
We're generally pricing those loans for levered returns of low to mid-teens, but that's just the beginning of the story. The real benefit is transitioning them to a bridge loan and they look very much like a multifamily loan and give us the same kind of returns. And then we exit those through our private label program or sometimes through the agencies. So we get what we call a free bite to the apple with each product, and it creates long-dated revenue streams.
The other aspects are just doing scattered sites, floating-rate loans or fixed-rate loans. That's a little bit more of a competitive market, and we're fairly active in that as well. Relative to what's on the balance sheet and what's in the pipeline, Paul, I'm going to transition that to you on what we've done year to date.

    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, Ken, there was a refiling of the slide earlier this morning. So you might have the original establishment, but national dealer and mortgage banker are both negative. So that wasn't -- [Speech Overlap] I think that's me [Phonetic].

    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, good morning, everyone. Maybe just the first one, sort of point of clarification. I think you said in the quarter, there was about $30 million that helped performance that was non-recurring including asset sales. So, I was wondering if you could just maybe tell us sort of how that sort of broke down between the segments. And I guess I'm curious about the asset sales because when I saw the reconciliations in the filing, I noticed there were some adjustments that were taken out. So why were some left in the number?

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. We just closed the transaction today. And so we've had some conversations with them, but we will reach out and make sure that we continue those conversations.

    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
 
So, I'm going to answer that in two ways, and focus on Florida first, and then the rest of the footprint, because I don't want to leave that out. But certainly there are opportunities in Florida right now for ever reason, the timing of M&A kind of a noise that makes people and talent available, seems to be the perfect time in Florida right now, where it was in Atlanta, like 18 months ago. And so we're certainly taking advantage of those opportunities. I will tell you that we're certainly -- it's more onesie, twosie throughout the rest of the footprint. We're really looking for experienced lenders that have deep portfolios and relationships that they can bring over. And those conversations are going on all the time that is not as much on the lift outside that would be one person in a particular market that's the right person. And so that's kind of how we're looking at both opportunities.

    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 there's any other. It is over delivery, you need to have a line balance. You don't buy one type of equipment in excessive way, it will come in with a line balance optimization as well as the substrate, the epoxy, and all of the other material supply. And I mean, mind you, the floor space, the training, IT system, I mean, I can just go on and on about what do you need to do. On top of that, the wastewater, the air, I mean there is a whole lot of things that you cannot react just in time. The manufacturing floor takes years of planning to do and we're just giving you at a macro level of what the estimated number in terms of increment that we will be able to achieve.

    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
 
Hi, this is actually Rebecca Wang, I'm for Danielle. A question on your commercial strategy, you guys hired a new Chief Commercial Officer, how does this change your company's commercial strategy overall? And where do you see opportunity for him to have the most impact in the next few year -- few months? 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
 
Yeah. Good question. So the $100 million, again, is kind of a great testament to a strategy that's working well. We hadn't expected to have a shot at that goal next year already.
But given that the PC category is going very well, we've expanded the portfolio. Consumers like the products, all of that. I would expect the majority of that to be in the PC category. That category has also got a year or two head start over the others.
Mics are new. That portfolio will expand next year. Controllers and flight sim are also new with the first products, both essentially single products right now in each of those categories. That portfolio will also grow in the coming years.
So that will be the smaller part of it. But I will tell you that the controllers, we've increased our forecast for the year on controllers. We've increased the forecast for this year on Flight SIM, and I mentioned 15,000 email notification sign-ups on flight sim. It's just astounding, particularly given it's a $350 product, but it's a clear indication of a market that I think has continued to grow rapidly, especially when flight sim comes to Xbox as it recently has.
And so those could be meaningful contributors next 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, so here's a couple of things. We deem that we are fully integrated platform end-to-end solution. We continue to make improvements in the hardware, the installation process, the firmware, we've got this incredible feedback loop that we've talked about. So we continue to make improvements and enhancements from that perspective, that if these products work and we have 14 or 15 devices on average per home, if they work consistently and the used case are relevant to consumers they keep the product. Now there are obviously circumstances where people lose their jobs or have financial hinges in their lives that they call some of these people to cancel. We hope to bring people, it's not because people don't like our systems, but maybe that happens occasionally.
But the other is if you've noticed in the last year, we've made great enhancements to the underwriting, the reduction in RICs to the platform is going to have continued impact on efficient over-time. And again enhancements in every little detail of what we do to deliver service consumers is going to impact that much. So we're hopeful, we're not trying to be pessimistic, we continue to see potential gains on that side. This is a pretty -- for a consumer-facing business kind of 1% monthly attrition is pretty incredible. And then you add to that our net subscriber costs comes down substantially and our net service cost of $10.77, this is a really good story and real good build up from what we've been trying to accomplish over the last couple of years.

    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, Stan. I think that what you're seeing is a continued shift in a trend to digitize the way companies go to market. And I think we have a larger sales force, a product that touches more companies than it ever has and a more complete offering for the market. But this secular trend toward digitization of how companies go to market, that's existed.
And I think it's going to be around for a long time because most of the customers we're talking to are still in the very, very early stages of the digitization efforts.

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