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
 
Okay.

    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 we're in the process of defining next steps. As I indicated, we do intend to share that data at an upcoming scientific meeting. And based on what we're learning in that trial and looking at quite a wide range of potential opportunities for uses of 1359, we're in the process of defining where specifically we would go next with that trial -- with that compound.

    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, Bud.

    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 think that our guidance actually denotes a more normal seasonal build. Think about that we would have achieved in 2017, 2018, even 2019 stage as opposed to what we just went through. So, although the seasons did repair, so by definition of goals in 2020, we see this to be much more normalized seasonal buildings embedded in our guidance. We are at a little bit of lower point from a fleet perspective, as you guys know, but we feel really good about not just about of 2021, but the repairing of the economy and our end markets going forward. And then we get further down the road, we start seeing oil and gas pick up, energy overall pick up, we feel really good about the outlook.

    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, yes. Thanks, John. On the iOS changes, really very much in line with expectations on things like opt-in rates. So I would say, overall, the impact has been in line with our expectations.
So not a huge surprise there. We're not fully rolled out with those changes, but Q3 will have the impact, more or less, of those being fully rolled out. And then in terms of the opex guide, yes, we do expect accelerating expense growth in the back half of 2021, and we're going to see that in areas like consumer marketing. So some of the nonheadcount-related spend we expect to accelerate in the back half of the year.
So that's the expectation on that front. And France, we can go to the next question, please.

    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, guys. Thank you for taking my questions as well. Maybe just starting with Decorative Architectural and the 0% to 5% organic outlook for top line, some percentage of that maybe some of the drivers, take that can get us the higher end of that range.

    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 was going to add that we've also been able to take that sort of traditional repo financing and term that out with non-mark-to-market 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
 
Yes. I think we're certainly having those discussions with them. I mean, I think every quarter, we discussed the current quarter and out many quarters -- several quarters in advance at least, I mean, we don't lock in per se on those numbers exactly, but we think about share of their particular businesses and what that's going to look like and what that means to demand for us. So yes, we're having those conversations, and we're factoring them into the mix of bits for next year and how we allocate across the portfolio.
Of course, there's a nodal mix equation of that as well as it's kind of referred to in the previous question, when are different products available on different nodes out of the fab. So we're working through all that right now.

    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
 
Good morning everyone. Could you give a little more color on the kind of somewhat outsized redemption rate on the institutional side? Anything idiosyncratic or a common theme you could point to in that acceleration? And in that vein, any known lumpy redemption as an offset to the very strong unfunded pipeline you've highlighted?

    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. Manny, this is John. We obviously have a group that monitors all of that stuff. And there are some disruptions for sure. We made it a decision at Kilroy a couple of years ago that we were going to reduce our dependence upon offshore suppliers as much as we could possibly do. And we have, but we are still dependent because of steel, we don't fabricate any steel in China, but you have to buy the bulk steel, bring it here. We're very focused on what we can control. And so as you probably know, there's a lot of ships that are at anchor waiting to unload all of our ports, and we've been very focused on making sure that the stuff we have coming from offshore is going to ports that don't have the jam up that L.A. has as an example. In regards to delivery of things, we forecast everything that takes longer. And with regard to construction costs, we've been forecasting anywhere from 5% to 6% per annum increases across the board and cost, and we've done better than that. Everything that we have under development right now has been bought. Things that we are going to start, we will buy. We've had pretty good luck in that regard. We've been able to deliver everything at or below what we forecasted. But we're keeping a close eye. We've had to make some selections of alternative materials in a few cases to make sure that we don't have a supply problem. So that's kind of a general comments and more to come, but we do have a pretty robust risk management function within our construction development activities.

    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. Thanks for taking my question. I've got a question on Basel IV capital. You're choosing not to disclose a ratio on the slides.
And I just wanted to ask why that might be the case, given your ambition clearly is Basel IV fully loaded 12 and a half long term. And if you could give us perhaps some of the moving parts that are still remaining to get from your current 15.5% down to a fully loaded Basel IV, that will be quite helpful. The second question is a broader question on mortgages. If I look at the loan book growth trajectory at ING, clearly, one of the features of this crisis has been the pickup in mortgage loan growth across your markets.
And that clearly has helped offset some of the other books that have been shrinking quite dramatically. What do you think is the outlook for mortgage growth into '21? Are you worried that this might start to slow down or do you think there are enough, say, positive structural drivers that could still continue to drive positive loan growth for you on the mortgage side?

    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, good morning everyone, thanks for taking my question. I just wanted to make sure we're thinking about the, and I'm sorry to beat a dead horse here, but I think it's top of mind with investors and just trying to appreciate the timing differences around price cost and make sure we're thinking about it right, are you basically saying because earlier you said, OK the higher volume -- on the margin side, you have higher volumes that are offset by higher inflation. Are we to take that is kind of net inflation net of your incrementally expected cost increases -- I am sorry, price increases. In other words, it seems like in a perfect world, if you had higher inflation but you are putting through price increases to offset that, that should be a wash. So are we take that this as there is this continued lag in price cost that you still -- may be chasing at the wrong word and then potentially to the extent that you get a fuller benefit of the price increases in '22 that in and of itself to the extent that the inflation backdrop remains stable. That could actually turn into an incremental tailwind as you fully catch up to the inflation, is that a right way to think about it.

    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 evening, everyone. Thanks for taking my question. I had a question on the supply chain. Could you talk a little about your ability to diversify the supply team just as sourcing continues to be a pain point into next year, maybe a little bit worse than you're anticipating? And then I guess the other topic -- other question related to supply chain is just you've probably been dealing with some elevated container costs and some of our transportation costs.
Is there an opportunity to recoup some of those costs as we get into next year?

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. So we really private MI is tracking toward just another terrific year in 2021. And it's still somewhat early, but looking out into 2022, we expect continued strength in the purchase market, mainly fueled by growth in the total purchase origination volume and increased MI penetration as more and more first time home buyers come into the market and need our support. However, we also expect refinancing volume will continue to slow with a decrease in total refi origination activity. And then thus the further decline in MI penetration of the refi market. Taken together, we expect that next year 2022 market will be large by historical standards, but not necessarily approach the records that we've seen over the last two years.

    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, this is -- your last part of the question, alternative profit, would be a key part of driving margin. I can tell you on the cost saves, we've been able to find more cost saves than I would have ever guessed when we started the journey. We're just now starting to work on things for 2022 on cost saves. Some of the things that are being put in place that are cost savings for the balance of '21 will flow through to next year.
I don't know the degree of what kind of cost saves we'll have. But I would certainly expect that we'll find a meaningful cost saves through process changes, and work changes, and things like 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
 
So we did not get all of them and far from getting all of them in the first quarter. We did have strong orders in downstream in the first quarter. They're all international orders. We had strengthened in India, as well as in Russia.
So we're seeing good, strong project orders. We're expecting -- right now, basing on the timing of the pipeline, we are expecting a dip in orders in downstream in Q2, and we expect the back half to be much stronger. So I think the activity level has ramped up quite a bit. And we're still -- I'd say we're increasingly bullish on what's happening in the downstream business right now.
But probably, you'll see the bulk of those orders start to cut in, in Q3 and Q4, probably a dip in Q2.

    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. You know, we've been -- we've been working with all of the players in the market for several years, obviously, and -- and most recently since we have a new potential entrant into the market. Just as with every other one of our customers working very closely, I think, that the -- the assets that we now have, the presence that we now have in Germany gives us a really good platform to be able to support this existing MVNO and new build in -- in Germany. And I think, it's right, yeah.
You know, we're really excited about some of the organic growth that we expect to see in the region particularly in -- in Germany as they've just gotten through their 5G spectrums and as we see new entrants coming into the marketplace. And now, you know, with the presence that we have there, particularly with the rooftops, we now have that dense urban area covered which we didn't have before. So, I think it really positions as well to be able to capture new business.

    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
 
Great, thank you. Good morning guys. So I know accretable yield has been a fairly small number for you guys recently. I think last quarter, it was only about $300,000. Did that remain fairly small immaterial this quarter?

    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 we've seen evidence of private label in these categories moving consistently there. As you know, we're a big supplier of private label across cities in these categories, and the cost pressures that all of the suppliers are seeing in these categories are the same and that's is significant. If you follow the polyethylene and aluminum curve, you know that those two cost inputs which are almost doubled from their low point last 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
 
Yes, I mean that's a good point. You know, if you had -- I mean we have about $1.3 billion in unfunded. If that went up 10%, it would be reasonable to assume that that allowance for the unfunded commitments might go up 10% as well, and that's $800,000, so.

    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
 
That will be deliverable this year. But it won't start -- those deliveries will start in the back half.

    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
 
Oh, yeah. For EBITDA and RevPAR, yes, I think it will be the same, except perhaps a little bit bigger. As we have more and more owned/leased profits coming back, as well as IMF coming back. If you remember, pre-pandemic, we were close to $50 million per point of RevPAR. We're, obviously, getting hopefully closer to $40 million and that's obviously hotel-related RevPAR. The non-RevPAR will tie much more into both the residential fees, as well as the credit card fees. But it should expand, although I think, again, in 2022 it will still be closer to the $40 million in 2022 and then, again, continue to grow from 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
 
It's going to keep ticking down. I think I don't -- future leverage levels, we haven't given guidance yet. So it's hard to say. It depends on the pace of the recovery here.
But it's going to -- it should keep ticking down, as I mentioned in my comments, just as the end markets improve, 0.2 point quarterly.

    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, good morning, guys. Congratulations on a good quarter. I guess my question for you, Sam, as we start seeing this pace of recovery, you know, how are you thinking about remaining pent-up demand in the market? And then, you know, as we talked about payer mix earlier, what can you share with us in terms of the mix of patients you're seeing both on the kinds of procedures we're seeing, the recovery in March and April, and the payer mix bucket that we're seeing? You know, is it shifting back to, you know, more Medicare, more uninsured, more Medicaid? I just want to see if you can give us some color on what the recovery looks like right now. Thank you.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
So all else equal and in a vacuum, yes if we add $900 million in Miami investments to our existing Steward exposures, then that's going to increase, obviously that arithmetical percentage, we do have strategies, none are binding and we're not making any predictions this morning. But we do expect to see over coming quarters the Steward exposure continued to decline, as it has over the last couple of years. Perhaps not quite as dramatically as it has, but again, over the next two to three quarters, plus or minus we expect Steward exposure to decline.

    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. Thanks for taking my question. With prices flat, how do you think about the profit per ton next year? And how do you view unit production costs? Have you hit the first step change? And we should stay flat until the new mine plans complete?

    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. On the DC side, eight was the number at the IPO. It is still eight. We've enlarged one, Portland, Oregon.
And we're enlarging two more, Southern Cal and Northern Cal. And we are looking for another facility or looking to open a facility in the Southeast, Southwest type of area to cover the demand down there. The two in Canada are still the two in Canada for now. As far as manufacturing, we did some, what I would call, light assembly work in one of our facilities in the U.S.
But really, our manufacturing acquisitions have been the HEAVY, the House, the Aurora and the Greenstar. So now it gives us a cadre of four nutrient plants, two soil plants, a couple of worm-casting facilities, and a peat-manufacturing facility up in Canada.

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