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 the U.S., the answer is yes. In the U.K., the data lags a little bit, so not ready to call that yet. We have a hypothesis that we are, but I don't have data yet to support that. In Canada, obviously, the reopening is not in a place where we can determine that yet. But in our biggest market, the answer to that is yes, Lauren.

    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
 
What we did see after the first quarter, Craig -- and it's a good question. We did see the hesitancy in the markets to understand where inflation was going, caused the interest rates to spike slightly for a couple of months. And of course, now they're back down again in record lows. But a large part of Timios' revenue is from the refinance business or refi business, as we like to call it.
So they did start to see some slowdown in that because that is a very interest rate-driven business. People are obviously looking to cut their rate and cut their payment or get cash out of that for their home without increasing that rate. So we did see some -- a little bit of softening there. It seems to have recovered fully in the meantime.
But that is an interest rate-driven business. Because that's the majority of their revenues, the refi business, we've really encouraged them to invest in the mortgage home purchase business and also develop their appraisal business and the default business as well. And as Kristen mentioned in our comments, the default business and the appraisal business are quite starting to grow quite quickly. So we anticipate bringing in those diverse revenue streams, so it's not so dependent on refi but it should allow the business to continue to grow its revenue base.
And we'll always keep the business profitable. It has the ability to contract and expand along with the economy. So we wouldn't envision a situation where Timios wasn't profitable. But certainly, with historically low rates now, we would expect to continue to see them to continue to develop their revenue, as I said.
I don't know if you have any further comments, Kristen.

    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, I think it all comes back, Mihir, as you pointed out, to rebuilding growth momentum. And so, that's a function of watch our success in bringing new customers into the franchise and in putting new products into the hands of our existing customers, and we'll talk about that every quarter. Watch our success on some of the longer-term things that Steve talked about, how we're doing with China, how we're doing with the Kabbage acquisition. Watch externally what's happening with credit and what's happening with the recovery in T&E spending.
And those are the key things that I think you want to watch, and it's what we're managing the company for and what we'll give you an update on each quarter.

    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,re welcome.

    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, Durgesh. Durgesh, thanks. The reason we went to just a three-year average view here is that, over five years, the numbers get pretty big. And maybe a little bit more difficult to bridge from where we are now and where we were in '20, but -- you probably are reading too much into it.
We have elsewhere, of course, disclosed our equity financing plan through the end of the period on the next slide. So you can see that the financing is going to continue. What will change is the operating cash flow which will grow on a five-year basis and the investing cash flow which will grow slightly as it increased a little bit back dated in the five-year plan. But nothing more interesting than that, I'd 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, so it's $30 million and Scott said in his prepared comments, and I would describe the same type of margin as we get in Restoration across the board the 10%-ish.

    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, Wes, we've been very consistent. We -- as I mentioned in my remarks, we have about $2.4 billion of equity sitting in the forward. So that's -- and then we will go out to the debt markets later in the fall, unsecured high-yield markets to get to the remaining $1.6 billion, $1.7 billion of proceeds to fund our $4 billion commitment for the Venetian. And our 10-year paper or 10-year quotes we've gotten recently is sub-4, kind of 3.5% to 4% range. Obviously, that bounces around a little bit with the markets, but we still feel very confident of our underwriting and the accretion we'll achieve from that transaction.

    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, I mean, we love all of our clients and all of our prospects, but we have margin threshold that we need to make sure that we hit. And so when we're bringing on clients now, we are still around the average we've been. We're seeing some larger ones now, the three I mentioned is, the largest one in the quarter was about $26 million. And we brought that one out of one of our California branches but we're getting those bigger looks that we didn't get call it 2 years ago when we didn't have the all states footprint and we didn't have the technology. So the larger clients are coming in, our referral partners know that we can do the larger business that we can handle it, that the clients appreciate our IT. So that's no longer an obstacle that we have to try to sell again. So larger clients -- if the referral partners are listed and we're open for business, and you can send it to us.
And then if I think of the funnel, California is a large portion of our portfolio and California specifically is where we are seeing the slowness coming out of the pandemic, and primarily it was the most restrictive of all states and it has been opened up the way other states has and we're still seeing that in our deal flow. The deal flow is getting better every month, getting better every quarter, but we're not better than pre-pandemic levels 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
 
Yeah, thank you, good morning.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah. Thank you, Dan. So overall, we've made tremendous progress throughout this fiscal year in streamlining our product offerings to increase the throughput. As a matter of fact, probably, I would say in the next quarter or two, we'll probably readjusting our capacity utilization numbers overall, just because I think with the refined product offerings, we've actually de-bottlenecked some things to increase our overall end-capacity, at the end of the day.
So I think the team has made tremendous progress on that during this fiscal year and especially during the quarter. But really it's in large part, just to be frank, in terms of the production increases, just fantastic innovation and drive at the plant level in people figuring out solutions and how to operate in these challenging conditions.
So I think the team has worked well. There is a lot of cross collaboration between the plants, between functions to problem solved very quickly and to identify issues hopefully before they happen and to correct them. So we don't run into trouble. So I think, it's the benefit of having a great team, and also to streamline product offerings, it's going to overall increase our overall utilization and raise the bar in the future.

    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
 
Great. Thanks, Ben, for the question. Chuck, do you want to come with some closing remarks, or I can close it up?

    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
 
Hey, Ronny. Good morning.

    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
 
Very good question. By the way, I don't think that we ever expected the oral in Q3. I'm not sure if something like that was ever said. I think, we were always expecting it in the Q4.
And still, this is a very big chance that this will be the expectation. We give a range of Q4 to Q1 of next year. But still, this is the expectation that there's very highly chance that we will have it by the end of the year. Again, things are moving nicely in all three studies of the oral.
But sometimes, you need to stop and wait for the data to speak for themselves. So that's our attitude. We are preparing for it. We are manufacturing.
And we will be ready if, hopefully, the data are positive. Now about our obesity drug, Mikael, can you take this 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
 
Yes, I'll start Pete with its evolving. And I know this industry and I've been in it and around in studying it for so long and so, and we've got a lot of folks out there is some who we know we're getting phone calls like I just mentioned, I think there's several ways that it can go. I think fundamentally for us, we are not in the business of signing up for something that we don't feel is aligned with our strategy. We make precision things. We're moving toward higher margin businesses. And so when you think about that type of level manufacturing was providing parts to those eVTOL folks or it's actually having levels of manufacturing or assembly. I think that can be a very robust part of our business and because it's such. I think in the next, quite frankly 20 years or so, you're going to see this eVTOL take real life and real form as you said, there's a lot of players out there, we're actually talking to some of the ones that we feel are going to be the winners. But it's still early to say. And I think it's important to make sure that whatever we do, it fits nicely in our strategy and where we're trying to go as a company and I think not to bridge into eVTOL is a very unique application, but it's really about the urban mobility movement and then kind of bridges in toward this autonomous capability, which is something that we are absolutely directly investing in and involved in and we feel really strongly that we've got some future 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
 
Good afternoon, and thanks for taking my question. Hey, Thomas, wondered if you could speak to just the hiring environment. You know, it's historically certainly been difficult for applicants to secure opportunities at C3. And so could you speak to are you able to scale the organization the way you want to in terms of, you know, finding the right types of people to go about the organization these 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
 
Yeah, so the industry is -- TSMC has announced a number of investments in mature technologies and this is really 28-nanometer and above. So, this is -- it's not the 3-nanometer and 5-nanometer and 7 nanometer at the advanced nodes. But what's happened is that a lot of the -- in addition to strong demand, we've also had the focus of all the capex into the advanced nodes. And then because Moore's Law is pushing the limits here, a lot of, a lot of products have gotten left behind in the n minus 1, n minus 2, n minus 3 nodes. And so that has also filled up the mainstream technologies. Right now, it's safe to assume that for the remainder of the year we are going to be in a supply constrained situation. There is incremental improvements that can be had, but it takes a little while to get other sources of supply qualified and certainly to the extent that we have to build new fabs and mainstream, which is not the way it used to work, it used to be that they would focus on advanced nodes and the mainstream nodes would empty out, but we're getting into a situation where the demand for semiconductors is exceeding that model and the slowing pace of Moore's Law migration is adding to that. So, it's -- I believe that this will persist into 2022, but certainly for the remainder of the year, we're going to be in a supply chain constrained situation.

    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'll start and then Mike can give you a little of the statistics. So the asset is open and operating. It's doing great particularly on the retail side, great sales. The assets are over 75% leased at this point, and so our partners are evaluating right now the best method of maximizing their profits, and that may be a sale sometime in the back half of 2022. In which case, most probably our loan would be outstanding until then. And the other way they might go is to refinance and partially pay us off in order to buy more time to get more stabilization and particularly some trailing data on the parking garage there, which is a huge moneymaker and a big part of the story.
So we suspect that they'll make that call over the next 60 days or so, and then we'll be better able to forecast what it looks like. As you know, we really can't meaningfully resize that mezzanine program until that loan comes out of it, but our expectation is, one way or another, it's going to be significantly shrunk, if not all the way paid off sometime in 2022.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
It's definitely commanding more investment dollars, so there is no question about it. We have improved our e-commerce experience, I think meaningfully. But we also have a long way to go and we have product information, systems that are coming online here as part of this investment that we've been talking about that are going to improve that web experience in that e-commerce experience even more for our customers.
The other part is training and driving our customers to that portal. So what I'm going to call the -- the everyday buys. Our objective in this is one, we think it will increase sales overall and make for a better experience for our customers of ADI. But our real objective is also to free up our sales associates to be able to be consultative with our customers, and really take the -- order taking, I'd say clerical, with sort of the process pieces of the job out of their hands, move it to the web, move it to an e-commerce experience that is valuable and productive for our customers, such that our sales associates today we get tremendous performance out of can be more concentrated with the customers when they're in the branches.

    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, it's a good mix as we've talked about in prior quarters. The multi-family business, the repeat customer business within that asset class has been going really well and we continue to add to that with new clients. Selectively, we're looking at hospitality and office assets within our pipeline, so if they fit our metrics and our profile, and as we see those markets start to open up and assets actually trade, we will start to continue to see some additional hospitality and office assets to supplement the multifamily 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. Actually, obviously the tool we ship into the China facility or China fab right there fab, is good starting point. This way, our process data, process capability validate by their fab in China. Right [Indecipherable] potential a quarter getting their fab also, I mean in China, right and so that's we're looking for. So I think it's really good assigned and also a good starting point and those data come out there I think in China may need a driving force and [Indecipherable].

    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
 
[Speech Overlap] multi-myeloma.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. Thanks Vijay. So your math is correct, to answer your first question. And it is assuming high single digits in the second half. I don't think there's anything to read into here. As Prahlad mentioned and I mentioned in my prepared remarks that orders are strong, they continue to be strong. The high single digits versus a little bit of an easier comparison in the second half, not much to read into there. It's just a little further out. So we are probably a little bit more conservative in the second half. But overall, still feel very confident in the 11%-plus here.

    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. Good morning. I wanted to just maybe build a little bit on the prior questions in terms of just federal legislation supporting renewable energy in a number of ways. And both, I guess, I'm thinking specifically in North Carolina as well as Indiana. Indiana, to your point, you have a resource filing by the end of this month. And then in North Carolina, though, it does feel like the sort of deliberation around the cadence of decarbonization is going to flow well into 2022. And to the extent that this legislation does pass, does -- as you know, it extends support for solar and wind, provides support for storage, how might that impact kind of the thinking, not just for you but for other stakeholders, in both of those states?

    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 very much, Ken. I really appreciate it.

    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
 
Crystal?

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