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
 
Greg, first of all, I love that you're looking at that stuff and seeing what's going on around here. What we're doing is trying to make sure that we uncover -- we're real estate guys. So we're trying to uncover the highest and best use for the real estate that's here at Pike & Rose and certainly up at Assembly Row and other places. And certainly, when you look at life sciences and you think about Montgomery County, Maryland, it's an important business that's here, that with a little bit of luck expands, and by the way, expands to places where the tenants value the amenity base that other office type tenants value in these locations. And the same applies to Assembly Row.
Now at Pike & Rose, are we anywhere near being able to answer your specific questions in terms of the economics on it, whether it's viable, does it make any sense? No, we're not. We're in that early exploratory phase, but we're in the early exploratory phase because we believe there are assumptions potentially there. I've got nothing more to say about that at this point other than the entitlements in this -- on this 27 acres could certainly be used for that use and similarly at Assembly Row. So, an Assembly Row could be closer because that business is -- that business, in terms of Boston and Cambridge and Somerville, is even closer to fruition than it is here. But in neither case, am I really ready to talk to you about the economics because we're not sure what we got yet.

    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. So, we're going to have margin variability from -- within segments from quarter to quarter depending on revenue shift, revenue mix, and revenue shift. So, that's why we really focus on looking at the business annually, and we focus on our annual guidance where at the midpoint, we're pushing 15.9% margin. So it will shift quarter to quarter between segments based on the makeup of the revenue for each business line.

    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 in our prepared remarks, Melissa, we referenced the three things. We talked about less macroeconomic headwinds. We talked about the volume of larger transactions and the strong sales execution. Those were absolutely the case.
We've sort of covered those fairly well. I would say a couple of things. We expanded across almost every vertical. Our sales time -- sales cycle times reduced, and our pipeline conversion improved, all in line with the earlier comments I made.

    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. I would say, Jim, why don't you take that and Sal you comment would be my suggestion.

    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's going to be somewhat flattish, is what we're expecting on the environmental solution there.

    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. Keith. Maybe I'll jump in. Thanks for the question. Obviously, we continue to be pleased with the progress of the ramp of Sprint customers as T-Mobile continues to ramp and migrate -- Sprint to T-Mo products and rate plans. We continue to see additional enrollments into our programs. I would say it's happening as we would have expected, largely on-track and we talked about the renewal and extension of our relationship. We're clearly really excited about our long-term opportunities with T-Mobile. We've had a great track record working together for the last eight years innovating the market, adding new products and services and certainly as we think about Sprint continuing to ramp over time, we're really excited about working together to grow the overall business.

    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. Chris, great -- great point. As we measure and we monitor sort of our GRR to NRR that walk -- that I've walked many people through, you know, when customers move out of one -- out of one solution into another solution, it shows initially getting to GRR that they have left that solution so I chose it as a loss. And then, when it comes back in -- when it comes back in as a new sale, it shows and it adds into the NRR.
So, it's a decrease for the GRR and it's included in the increase in the final NRR number. However, it shows -- it shows it going down when you get to the GRR calculation. That's about 300 basis points and because of the conversion that -- that movement there, that movement certainly impacts GRR initially, and as people look at it and say, hey, how can you guys be at 91% with such stickiness in such enterprise -- in such enterprise software. It's really -- it's being impacted because of that move on an overall basis.
If you did it on a customer basis, I think, it would tell a bit of a different story certainly as -- as that movement takes place. Does that make -- does that clear that up a little bit?

    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. I think in terms of pricing, what I would say is the vast majority of what we do are long-term deals, and that's both materials, as well as on devices. And so the pricing is kind of set. So we have a pretty good view as to what's going on there.
We obviously know what's happening with our cost models as well. And as Neill mentioned, there's pretty dramatic cost reductions coming online as we move into Mohawk Valley. We don't really price our business as a kind of a spot market kind of thing. So, we don't really get into the -- into that kind of thing.
And so we'd much rather have long-term agreements with folks, and they can count on us for putting the capacity in place and having an understood pricing curve. And then we can count on them for having the demand coming our way. So, it's more like that, I would say.

    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, hey, it's Sean. It was a little mix on the government side, that was down a touch sequentially. As we talked on our Q4 call, there was a few events in Q4 that drove outsized profitability on some government activity. So you saw a little bit of a decrease on that which is what drove the sequential decrease from 16.5% to 16.1% but still feel very good about the overall profitability. And as we talked about as parts continues to grow that will be accretive to the margin.

    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, Brad, again, I think loan yields have stabilized for us going forward. The way those participation works is that would run through the yield there. But I really don't think that that had a material impact on the loan yield.
On the cost of fund side, we're continuing to see -- we are continuing to see cost of funds decrease. We expect that trend to continue in the following quarters. We've got 22% of our CD portfolio is going to reprice next quarter and 78% is going to reprice over the next 12 months. So we'll see some relief there.
We did move some money around from cash and deployed that into our securities portfolio during the quarter. So we expect to see some pickup there in Q2 as well. But I think like most banks, we are just -- we have an influx of deposits right now. And that's mainly driven by the quantitative easing that's going on.
And we don't necessarily see that faucet turning off anytime in the short term. So with that, we're constantly monitoring our liquidity position and our asset mix -- our earning asset mix, and seeing how we can deploy that cash versus what we can keep in cash to use for future loan growth.

    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
 
Temporary increase. It really was being driven by our customers. I mean -- and it's a reflection of our conversations with them. So we were looking to methodically roll out these different functionalities over a longer period, over the next two to three years.
But virtual primary care is one example. The functionalities that -- beyond the one health plan we're working with, the other ones that we're in conversations with, we're asking for these things to be enabled on the platform. So based on all of those, we've accelerated the different aspects of the platform into 2021. It is temporary, and it will go back to more normalized levels 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
 
Sure. If you compare it to what we provided last time it was 70% increasing capacity. This will be approximately 15% additional capacity. We haven't been as specific on the actual investment. But it is included within the guidance for the capital spending we provided for 2021.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Great. Good morning. And congratulations on the investment-grade ratings, first question is on, collection of late fees. It seems like, it's still dragging on same stores, but if you could just comment on that please, when you expect to start collecting?

    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, Jeff.

    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
 
When you said both areas, do you mean labor, and which one is the secondary?

    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 listen, I think the way to think about opex, and I encourage everybody to do it, is don't think about opex as what's the dollar reduction. You should think about opex as a percentage of revenue. When you are a growing organization, you want to grow opex slower than the growth in the top line, OK? So if you think about our opex, we -- in fiscal '20, we landed at roughly about 20% or 21% as a percentage of revenue which we -- in Q4, it was roughly about 18%, and I expect that to continue in fiscal 2021. Now where are we seeing the growth? We are driving efficiencies across G&A.
As I said, in G&A, we have just touched the surface, so to speak, in terms of best shoring. We have touched the surface in terms of automation. I've led programs in my previous company where we used bots to automate some of the processes so that you can take labor out of the process. But more importantly, when you scale revenue, you don't have to scale opex at the same rate.
So from that perspective, we are a company that does automation to help customers. Now we can help ourselves to do automation internally, whether we can drive higher efficiency in SG&A, so you should expect us to be focused on that. There's a lot of runway here, and I think, as I said, I'm in month three. I see a huge opportunity in terms of not only driving efficiency but in terms of reinvesting it back into the business so that we can grow profitably.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Well, I mean the only one I think we can talk about is the one that posted with Harvard which is basically looking at long haulers. So that's not necessarily looking at COVID itself, but it is looking at the potential of nicotinamide riboside to repair NAD function related to these people that are having these long haul or sort of side effects post COVID. So that's one area and we are exploring a couple other trials. I don't think we're really prepared to talk about those at least at this point.

    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
 
We got -- well, on the C&I front, we're probably going to look to hire about seven or eight more C&I-specific lenders. But one of the things that well, Matt and his team did an excellent job of last year is making sure that the existing talent we do have is also pulling its weight. And so we were able to reallocate some of those -- that overhead expense into new lenders, and we'll continue to be efficient with that process. But I do see us looking to hire another seven to eight more C&I lenders in the near future. And Nicole, you can comment on any of the additional overhead expenses.

    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, Carla. It's in line with our plan in terms of accelerating our store remodels. I mean we're halfway through the store remodel program this fiscal year as we accelerate and get into the crux of the ERP and IT system implementation as well as some of the supply chain plans as we start up our RDC. So is the capex profile by semester is in line with our plan.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Well, it's hard from my perspective, it's kind of all blended. And so while it's easy to say warehouse was $200 million net and that's the growth. It's all bucketed together in terms of the quarter in the production and we can't control much of what pays off, and if something is paying off faster in one quarter and we happen to have a lever to pull, we're going to use it. I would focus on the production side and the $900 million of production and the $800 million plus of fundings, which is very substantial, and our fund -- and our pipelines are still strong.
C&I in the quarter, we had a lot of production. We just had payoffs. And it just happens, but very pleased with what we're doing here. I don't see any real headwinds on C&I more than I see than anything else. I mean, I think our pipelines are very strong. We're prioritizing strong borrowers. Pac Merc, obviously has a good C&I engine, and we're going to be adding their capabilities along with their ABL function which is they do more of it than we do, and they've got a really good team that we're happy to bring on board.
So we continue to see C&I is something that we're going to grow and focus on. It's everything from service businesses and healthcare. We have a vertical and entertainment, as you know, doing streaming production, and then owner-occupied real estate, which is tends to be the low cost leader in that area, but we have the ability to do it as well.

    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, good morning, Gerrard and Jeff. Gerrard, can you maybe give a little bit more detail on the revenue growth targets you've established through 2023. Maybe just the mix of how you get to that 2% to 4%?

    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, Walter.

    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. Scott Pryor can handle that one.

    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's interesting, as we indicated, a lot of the costs are variable, but they make a lot of money. An get returns on equity versus 30% this quarter. And if you normalize that, say, you want to take it down to more of the normalized market, it's still very profitable. It's a very -- it's a focused business. You have to be able to hire and adjust when you need to adjust and invest. And I think they've done a phenomenal job on that. So clearly, we have always been very prudent on expenses. We've been very focused as being efficient the way our business model worked. I would say when we have scale, and you have the right technology investments, which we plan on investing, and over time, we will be efficient. And obviously, the home of companies to be efficient. They're in a different business on the mortgage side. You have a lot of cost structure, but you also make a lot of money.
And as we indicated, you can up and down that, depending on where you want to invest your opportunities. So clearly, they've invested there's a lot going on the tech side that we're looking at. They are looking at a lot of items as well to be more efficient and be more digitized. And I think over time, we'll have a digitized platform for the product mix. We need to figure out how to digitize that customer experience through the retail platform. That's clearly a priority goal for us. So I would say we could be efficient. We will be efficient. And even when you pro forma this company in the low 50s, it's still market-leading efficiency.

    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
 
David, unfortunately, you are cutting off and I couldn't hear you. Can you repeat the question of the vaccine from the beginning?

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