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
 
No, I didn't. But thanks for the question. No, we haven't said that now. What I said is we will expect to invest against North American interactive 20% of our pre-tax free cash flow. And I see that in 2022, and I see that continuing into 2023. I think let us get the apps out the door, let us build into a little bit of market share, understand what our marketing dynamics are like and then we'll be in a much better position, probably toward the end of 2022 to give you a point of view on when we see this turning positive.

    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. Just a couple of questions. One is assuming that the commodities stay inflated for a little bit longer can you talk about the pace to which you'll be able to take pricing in each of your businesses? And even in the consumer business where is your pricing power? What's your revenue management opportunities there? Is it list pricing? What other levers do you have? I guess I take a little different perspective that I think commodities may stay a little bit higher for a little bit longer. Just kind of figuring out how you absorb this.

    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, Mark. It's Anant. The channel is fairly active. We've all adapted to this new way of working, which is largely remote. We're not actively in the market face-to-face. We're putting health first in that point of view in that channel. But it's functional. It's doing well. It's easier to sell SPDA also as a product when you don't have face-to-face interaction with a client, when you're not doing the way they go to market, a lot of them have seminars, dinners. But I would say, the channel activity is good. The IMO partners are helping the producers of the agents figure out how to sell. And more importantly, I think the kind of products we have, with the product refresh we are launching, IncomeShield, for example, got refreshed. That's doing well, and actually IncomeShield is one of the products that's reinsured to Brookfield. So it's good. We've got that working well. AssetShield with the revamp will make it a very simple, compelling proposition where [Indecipherable] accumulation can grow that. And then we have some additional product ideas in mind working with distribution that we think are going to pivot things forward. But no one knows what the new normal is of working, but it's working fine.

    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 it's way too early for us to think it could help the margins. We're pretty happy where our margins are right now. But it will be interesting, the push and pull of will we be able to keep some of this enhanced scheduling. In some cases, we will. Some cases, we won't. Will we be able to work swing shifts without a lot of pay differential? I think some of our folks have started to like that because they like not being on a crowded job site, and they like being more productive. And then they can put pressure back on their -- the union and others to help us do that. So I think it's too early to tell. I think there are some hard-wired things that we'll benefit from. Our folks have got better and better at planning just the things we control. And they've gotten better and better even on the smaller jobs of using prefabrication and trying to get the work off the site. So hopefully, we can keep productivity where it is. That's our plan, and maybe we can pick up a little bit.

    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. Well, Daniel, maybe we take a little bit of a backwards look before we think about forward. We think about 4Q, we had -- of the $223 million of growth we saw on the top line, about 21% of that is industry. 9% or about $47 million of that is the acquisitions that we have announced for the year. As you know, we had a couple of here hit in Q4 as well, and the balance of that becoming organic.
As we think about January, going forward, it's certainly come out strong. And as you probably undoubtedly heard from some other folks, we expect to continue to see that strengthen here as we transition through Q1. But all things being equal, to your point, we have a pretty good comp against next year, and we expect to be up meaningfully against them.

    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, over the near term, it is what it is. And again, I think about a portfolio of airplanes, not just any one. And while we take all of the faceoffs that we go through in order and in those routes that you described for the 321, we -- I get it completely, so does our team. Broadly speaking and on balance across the portfolio, we like where our portfolio plays with the MAX at the lower end and the 87 at the higher end and very successful airplanes.
So that just said -- all that means is we're going to take our time. I'm pretty sure you're in the right space, although I'm not going to point design today. I think you're pretty much in the right space with respect to where next development efforts lean. But I don't want to call it out just yet.
And I'll go right back to the comment I made in the beginning. We are really progressing well on our engineering and manufacturing forward technology development so that we're ready when that moment comes to offer a really differentiated product. So I'm sure it's not a lot of rocket science for you to add up and guess where things end up. But we're not going to call out that point design.
This isn't the moment. We're going to take a little time, and we don't feel significantly disadvantaged with our portfolio versus their portfolio. So anyway, that's how we think about it. And we are thinking long term, that's for sure.

    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. So good morning, Frank, or good afternoon. We -- so, operating rates in the second half of the year for us in polyethylene were essentially unconstrained. We ran as much as we could. We had some unplanned downtime in Europe and the US, but we've essentially been running full since about July August timeframe. And we expect to do that for the foreseeable future. And yes, the volume growth was related to Hyperzone operating for part of the year.
Your question about the supply side, on that chart on page 11, we have not put any delays in for Chinese capacity. So it's essentially -- we're assuming it's going to come on as advertised in HIS. It's really -- that's to illustrate the impact of 7% growth versus 4% growth, how close we are to really having absorbing all of the capacity that's in part of us if we just have one year of more typical economic recovery type growth at 7%.

    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, Michael. So I think the 8-K referred is that it's ongoing, and it is ongoing. It is not completed, no.

    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, the -- we're not going to get into that number. We were giving that for a little while, but now we just embedded into our guidance. The U.S. was certainly over $1 million in this quarter of the $5 million.

    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 have a very unique product, right? Most of what we're originating is reduced stock, but high down payments, single-family and HELOC product. And I think for our customer base, this is something that's very attractive for them.

    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. So I think, let's start with, we are just starting to have the conversations with our customers for pricing actions. So that's under way. The results at this point are unclear and mixed. Some of our retailers fully expected it and we can get them implemented relatively quickly, some of the larger ones though, it may take a little more time. So it is transitory when that part repairs itself. But specifically, if you look at labor that's probably where it's a little low, call between $4.5 million and $5 million of negative impact this quarter. Again we've raised rates for our people. We've also put incentive bonuses in there for staying a certain amount of time. In fact we're doing everything we can to get people to come in. So, right now our overtime rates are high. Frankly we're running about 20% less people than we would like to have and so that's a difficult environment nationwide.
On the material side which includes freight because most of our stuff comes in, freight included in the commodity cost, that's about $4 million to $4.5 million worth of additional costs for the quarter. And then I think as we look at just going on the pure commodity cost where I can identify that separately from freight, we're probably talking somewhere between $0.5 million to $1 million. So if I were to sort of bridge to it, I think your model would look like it's almost all in the RFG side of things.

    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
 
You, too. Thanks, again.

    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
 
Ken I would not like to enter in this type of forecast. We are more focused on to be sure that we manage our cost for different levels of price and if we provide to our business specific hedging profile that allow the business to plan itself.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
I think we've given you tons of context to the extent, it's not enough, then certainly by another stock or recommend an other stock. It's what's been happening anyway. But when you sit and you think about the quality of this real estate and where it's going, I think our investors understand, how we're going to get there because everybody including you has a model and can certainly figure out and make assumptions in that model, in terms of how that would happen, it's not so crazy to do, take some work, but it's not so crazy to do.

    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
 
Good afternoon everyone. Just a question on the development pipeline. Have you been or maybe are you willing to invest more key money into deals today? And are you seeing any of your development partners coming to you to be a joint venture partner to help them get a project across the finish 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
 
Fairly unusual to have a capital incentive that large. So we work ourselves through as we come through on these ECPs that we have proposals. We go to the table and negotiate. There's a balance of affordability and equity on these deals. And as we work ourselves through, sometimes they take time. And then as we settle the deal, whether it's additional margin of capital incentive we'll let The Street know when we close out, and we'll take the booking.

    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. It's hard for me to benchmark since we're not in the graphics business. I know that's a little bit of a different scale. But certainly, the complexity level of these products when you look at just the complexity of the substrates alone, I mean, I think the number of layers, if you go to these advanced products in, call it, 14, 16 nanometer and below, have probably doubled in terms of the complexity of the substrates.
And they're just extremely large die. These are thousands of IOs and some of these die are virtually the size of a credit card. So you've just got very low die per wafer, and you got a lot of demand. And it's been difficult for people to keep up.
There's also test constraints that the test times on these things are very long because of the complexity of the product. So there's just -- maybe that's the reason. But I run an analog business and now I run Marvell, but I've never run a graphics business. I don't --

    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
 
I feel good. We saw consistency throughout the quarter, Chris. So -- and exiting the quarter, even though we're at 10-day lower supply, if you take the increase even quarter-over-quarter, our used car sales were up considerably. So that actually 30-day look back, when you take that into account, our actual static inventory numbers were about the same as they were exiting Q2, which we like, and we're continuing to buy more. Also, October is looking pretty good. So -- and I would remind everyone that our quarter-over-quarter look back versus 2020, that was a good quarter, OK? So it's not -- we stop talking about 2019, which was really for that one quarter of Q2 when we had half a quarter where we were basically shut because of regulatory closures.

    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, Oli.

    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 saw like we did in prior years. Both the number of accounts and covered lives coming from not now grew very nicely this year as grown each year for us. And our expectation is that there is no reason why that shouldn't continue.

    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. No, thanks, Charles. I appreciate the question. Speaking specifically about health plans, as you know, we really set this as a focus area starting in really when I stepped into the CEO role in late 2019.
So, I think part of what you're seeing is actually just the results of spending the 18 plus months actually going out, meeting health plans, and really working that pipeline. I think that the product-market fit has been strong really from the start. But I think we're now starting to really see that come through in the opportunity set. So, part of that, I think, is just time.
And then the second piece that I think is benefiting us is that very often, what health funds are looking for is to support their customers. And the increase in customer interest in navigation solutions has shown up as health plans, wanting to provide those solutions to their customers, so that's been the kind of second tailwind which is manifesting itself in a large, robust health plan pipeline.

    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. Good morning. I want to try to squeeze in a question and a follow-up here. So first, you talked about 2Q being above baseline in terms of non-COVID costs in U.S. Commercial. I just want to ask how far above baseline versus that 100%? And did you say you expect it to return down to 100% or do you expect it to continue at that level into the back half of the year?
And then my follow-up was to Ralph's question. Your -- I just want to make sure we understand 2022 here. Are you saying you're going to grow 10% off $20.20 plus $1? Or is the 10% the total number? And then David, you keep talking to these nonrecurring costs. Can you just delineate what those are and how -- what's driving them and how big the nonrecurring items are for this year? Thanks.

    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
 
Thank you. On the D&A estimate you have for the year, the $540 million to $550 million, how much of that is deal amortization? How much of it is just more traditional depreciation?

    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 -- Jeremy, we got 25 billion in the 10 years and 3 billion to 4 billion of opportunity out there and a long, long, long track record of organic needed customer investments in the state, renewables, electric and gas to decarbonize. And so again, you know our history here, there's just lots of opportunities here at CMS Energy.

    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. 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
 
Yeah. Thank you for taking my question. I just want to go back to the products and services segments, again for a moment, if you don't mind. I'm not quite sure how to think about this long term. You mentioned kind of looking back to 2019, but when I look back over the last few years, it's sort of been a little bit lumpy. Is this a sort of flattish kind of -- are these flattish kind of revenue lines for the foreseeable future, is I guess my question.

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