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
 
Yes. That's a great question. And a couple of stats I want to put out there, obviously, during that period with elevated pricing, receivables and settlements went up. Chris, we've collected over 90% of what was due to was us there's -- as you know, there are still some disputes that are out there. But we are working. And then that's a little bit of working capital timings, I think through the remainder of the year, you'll see the company obviously work to close out that remaining less than 10% of the receivable. So that's one thing that could hang out there over remaining quarters. But kudos to our credit team, kudos to our legal team. We've collected the majority of our money. And I'm very, very impressed with the diminishing, really with the small impact on working capital in Q1. But that's probably something to keep an eye on for the remaining quarters as we go and try and collect the remaining 10%, which we feel very strongly in our ability to do.

    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, remember, at Pratt, though defense is flattish. Right? We had a real strong growth this past year of 14%. So, defense at Pratt, at least, is going to be more on the flat side, could even be down a tad.

    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 -- I think what I would say is that the US is definitely going to be sooner than international because of the increase in utilization that you're seeing in the US. It's difficult to predict right now. I'll go back to what I said earlier and as much as just in the last few weeks, we've seen some higher highs, if you will, in the -- that parts activity. So we're encouraged, but at this point, I wouldn't want to attempt to predict precisely when we would see that elevation.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. I think we're -- yes, to answer your question specific to the auto market, but just more broadly, again, we're sort of one quarter in, incredibly great quarter, really, really pleased with the Engineered Polymers business and what they were able to accomplish. They really have started delivering. But we got to see how this will be -- if it's sustained, right? We feel good. But we'll just -- we'll see. As I said earlier, I think if you were to ask me to which way am I weighted, we're probably more optimistic than we are pessimistic. But you know us, we're conservative in this regard.

    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
 
We've talked about this. We've talked about this before and one of the great things about doing this Husky deal and Jon sort of alluded to it is, we continue to like turnover rocks and fine diamonds and I really think that what people should expect, I don't see any large scale kind of phase expansions any time in our near future because we have this really incredible portfolio of kind of what I would describe as kind of brownfield opportunities, organic opportunities just around the edges to add production at very, very attractive returns and at relatively modest capital and I think that's really where you can expect to see a lot of our capital around those kinds of things that Jon was referring to. The opportunity around getting FCCL connected to the Lloyd complex that I would kind of put that in the category once again of a really, really attractive opportunity with quite modest capital, but those are the kinds of things that I think people should be thinking about.

    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 think we're continuing to see strong new customer acquisition, and we were a high-growth company before COVID. And so I expect we'll continue to be a high-growth company after COVID. As Matt mentioned earlier, I believe we did obviously see some digital acceleration during the COVID period.
And so we're still feeling good about the customer growth and probably nothing too anomalous to call out around the patterns of customer acquisition outside of the diversification across corridors.

    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. So I think of them as the FFELP portfolio coming back toward pre-pandemic levels. So when you think about the total delinquencies, it's anywhere between 11% and 12% and forbearance ranges, call it, around 12%. The charge-offs, similar with our guidance given at the beginning of the year, we had guided toward 10 basis points. For the private portfolio, if you go back to pre-pandemic levels, you have to factor in that there is a mix of our refi book. So for the total delinquency levels, I would think depending on the mix of refi loans, which are very high quality and low delinquency, I would expect that a more normalized environment to be in the mid- to low 3% range.
And then from a charge-off standpoint, I think -- again, it's contingent on the mix, but you're getting into the low 1% range. So off of our guidance here and our outlook at the beginning of the year, we were at 1.5% to 2%. A lot of this is going to be a function of the overall refi mix for the private book. But ultimately, we would think as this stimulus ends at some point and these repayment relief options and that you would get back to more normalized levels, but our overall quality will continue to improve just as we originate more refi loans.

    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 does. Sterling, I'll address that. It will be a combination. Our trajectory is to go toward multi-cloud.
That obviously includes hybrid in our context, so it will be across the board. And what has been appealing to our customers is the point that I was making about meeting them where they are today and extending them into the cloud. While some customers are -- let's call it completely cloud native, and that's fine by us, many of our customers rely on hybrid environments. And we are able to now provide quite an effective bridge, so to speak, for them.
And that's been the topic of conversations as it relates to the early adopter program that I mentioned. So, we are seriously in early days on that, and we will continue to drive traction on that. And then from a solution detailed standpoint, we look forward to presenting them at the Analyst Day.

    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, Joe. I'll be happy to jump in on that. You're talking about the furniture sales model that we referred to in the script, is that the 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
 
Hi, Amit. In terms of web-scale, yes, we had a very good quarter, and we expect to have a good year overall on web-scale. I think they've had some challenges deploying and standing up data centers around the world in the philosophy that they generally would have liked during the last 12 or 18 months.
So based on the plans that we're seeing right now, we would expect growth in the mid-single digits in that space for the for the year. We've got a very high market share there. Probably not going to grow that share, but we're certainly going to maintain it.
We've got all of them now taking WaveLogic 5 Extreme in addition to their prior generations. And we're engaged in a lot of the planning around the expansions, both in all of their applications in terms of submarine, DCI connectivity and in their metros as well. So very, very strong engagement on the web-scale, and we think they're going to have a good year.
I think there's even the potential for some of them to be a top-10 customer during the year, that's the possibility of one or two of them. We'll see how that goes. But I think generally, we expect a good year in web-scale.

    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. Just for '21 you're assuming? For '21, I think I'd say the Latam region is struggling a bit more with COVID impact than some other regions. From a geographic kind of standpoint, Asia has been more effective. The China business, we're comfortable with strong double-digit growth in 2021. The DES business, as I mentioned, is only about 5% of our mix. And you've got a great balance of our Complex Coronary, PI and other businesses there.
So China will have a strong year this year. You are seeing some minor flare-ups in China with COVID in the near-term, but they've done a remarkable job of managing that. You are seeing some flare-ups of COVID in Japan as well, but -- so I think overall Asia business likely could be stronger given the impact of COVID. And U.S. and Europe have been kind of similar in terms of the COVID impact and the pace of recovery.

    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. There's a lot. And some of those -- a lot of these spaces were old, tired, neglected spaces that were, call it, mid-single-digit rent. I'm staring at one in West Broward at $6.13. That's not going to be as high of a TA because that's a grocer taking one existing box. The elevated cost for the deal in Troy was really a lot of the combination of the two spaces, creating a 40,000-square foot flagship. Looking at another office support -- office supply store that we're looking at combining another space, of which is currently in vacancy, those combined spaces are $11. And we expect to get, call it, close to low 20s in rent from the new tenant. So we don't see this type of cost as high a cost, but we see a lot of value upside on the rent and really cap rate compression of adding these grocers.

    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
 
No, we did not update the marina guidance.

    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. Let me start with one quick follow-up. Can you talk about what's going on with, I guess, reinsurance costs on the cyber book?

    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 don't think anything has dramatically changed in that we still think that Rock Creek and Mountain Ore are in production end of this decade early the next decade. So we had taken into account the fact that it's a legal process not a regulatory process that we're really in. And so you have to react to the decisions that the judge makes.
And earlier this year, the judge made a decision that remanded or set aside the record of decision, the biological opinion on Rock Creek. So that's one project. Mountain Ore is a separate project. And what we have done -- or what we are in the process of doing is evaluating how to advance Mountain Ore and Rock Creek, but particularly Mountain Ore because it's really the next one up so that we satisfy the decision that the judge and -- same judge, that the judge made on Rock Creek.
And so we're working through that and that's really all I can say 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
 
Sure. Sure. Yes. I think both of those are a little abnormal just as a result of what we're doing in terms of property and just some of the other issues that happened in the quarter.
I think the low-60s is probably about the right place in terms of an attritional loss ratio and maybe a tick higher on the expense ratio. We are pricing -- I did say this in my comments, the team is trying to price everything at a 90% or lower that they're putting on the books. But we're not going to see that show up in our results for a while. And 2 reasons: we're still earning premium that was put on the books in prior years and maybe didn't have as strong rate increases; and secondly, just our conservatism.
We want to be more likely redundant than deficient. We're coming off a few years of tough performance in reinsurance. We're going to be from Missouri in terms of the results for a while. So while we're pricing it less than 90%, my goal would be something in the mid-90s in terms of what we can do this 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
 
Actually I think Emmanuel has a few brief remarks.

    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, sure. We just did the Eroski transaction in the fourth quarter that we went through in some detail earlier. And that's a follow on deal with a tenant that we've had a long-term relationship. It's now -- as we mentioned, it's in our Top 10. And we'd like to do more grocery, I think -- in the US, we are interested as well. I think, we're probably more focused on doing portfolio deals where we can get critical mass and structure on master leases to provide some more long-term protection. In the US, I think the fundamentals are probably not quite as favorable as they are in Europe, US tends to be a little bit more oversupplied with less barriers for new development compared to Europe. There's also lots of competition in the US chasing the same deal. So, I think that we have better economics with less competition and we generate better spreads given the low cost to borrow. So, I think that we would expect to look to do more deals. They are probably going to be more biased toward Europe for those reasons I mentioned, but we hope to find some good opportunities in the US 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
 
Hi, thanks for taking my question. Just curious on the industrial volumes side of things. Understanding the first quarter impact from storms in the US, just curious what utilization and what output could do from a volume perspective sequentially into the second quarter? I don't know if you could provide any characterization of how you're thinking about 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
 
Well, typical DoD, certainly you see that what we call the summer surge in Q3, so DoD, we did see a growth in DoD, but predominantly, a lot of our growth, as I mentioned earlier, came in the retail segment. We have 93% growth quarter over quarter in retail. So certainly that contributed to a lot of the success. Certainly, the field targeted market share increasing 3 points quarter over quarter also increased.
So by the end, public health also saw increases quarter over quarter. So, predominantly you're seeing growth across all the segments. But the retail, in particular, had a lot of success and growth quarter over quarter at 93%.

    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. We observe the aromatics still decrease in the second quarter, inventively midway compared to the previous month. This also contributes the increase of ASPs across the industry, as well as for some of our products. About the margin, we have started from advertising and marketing activities since the second quarter to enhance our branding positioning and recognition.
We will invest in more selling and marketing expenses compared to last year, but in a prudent and reasonable way. We expect such expenses will increase lower the margin, while as we have taken product optimization strategy and the overall gross margin has been improving, and we're looking forward to continue improving. We think this will mitigate certain impact of the increased operating expenses on net profit margin. We don't see the material cost increase will impact the margin to the first quarter, and we have taken serious cost control measures.
We don't see any material impact from such kind of cost impact, right?

    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 from a decision perspective, the decision is just we have to be able to supply the fridges that are out there. And customers, as you might imagine, have been seeing us short shipping for quite some time. And so it's not prudent for us to be putting incremental fridges in stores if they can't be stocked. The long-term interest in second and third fridges is incredibly high, and the gains that we're getting from them are incredibly strong.
So the demand for them is very, very strong. We have no doubt that there will be significant interest in it. We just need to make sure that when we put them out there, that they can be well-stocked. And frankly, our customers have the same concern, too.
They don't want us to put in something that they can't reallocate the space in the fridge to something else when we can't supply. So we need to get the supply up. But by the end of April, we should be in pretty good shape on our shipments. And at that point, you can start seeing people doing more normalized activity, but they're going to want to be comfortable that it's working.

    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. We have the ability to get some incremental capacity out of the plate above -- out our plants above nameplate. When you think about the size of our Midland system and then number of plants that we have, and let's just say, we've got 10% at least capability above nameplate, it's a pretty substantial amount of incremental capacity that allows us to go ahead and continue to handle all of our producers' volumes, while we're building that next plant and putting that incremental capacity in place. Does that answer your 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
 
Good morning, Scott.

    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
 
Slide 19. So it's one of the ones in the back.

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