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
 
Thanks for taking my question. One thing that especially stood out in your results, I think, is on Slide 6 where it shows that units wholesaled in the quarter rose 18% year over year, but that revenue was up by more than twice as much by 38%. So just a few questions around pricing and overall revenue per unit. I can see from the global walk on Slide 9 that net pricing helped EBIT by $1.9 billion or kind of like 10% of last year's revenue, which seems to suggest of the idea that like half of the growth in revenue over unit volume in 2Q was driven by price and the other half by mix.
Is that roughly correct? And what do you think the outlook is for continuing to grow revenue in excess of the change in volume?

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
I'm sorry, what was 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
 
Yes. It was material. it was in line with what you typically see software somewhere in the 20% to 25% range.

    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, Toni. The retention for us in 2020 was a real strength, ending the year at 13.3%, down 30 basis points from last year. Some companies report net attrition. If we use that metric, we're actually closer to 10% attrition level. And so we feel good about the progress that we've made. We saw improvement in most categories, and they had a record low in Q3. In the fourth quarter, we continued to improve in the categories of lost competition and non-pay, but real estate activity, as everybody knows, picked up late in the year, and we saw pressure on relocations, in particular. So we're -- long term, we're optimistic about customer retention, especially as we enter the smart home space more aggressively. We know the more our customers use our systems when devices are more plentiful, when the devices and the system is integrated in the daily activities of our customer, then we know that retention improves. So we think that we'll trade -- we think that we'll be in a range here for attrition with some relocation headwinds and some smart home and interactive rate tailwinds that we'll carry through 2021. One additional thing to mention to you. When we acquired Defenders, we continued to receive a chargeback benefit for accounts sold prior to the acquisition. And that benefit expired over 12 months and was a slight metric headwind in 2020. The impact of the chargeback change in 2021 is about 40 basis points.

    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, Louis, thank you. How are you, Louis?

    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. In terms of the T-Mobile-Sprint question, Simon, T-Mobile is very organized and very I think ahead of what people thought in terms of their network planning. So there's a lot of crisp communications going back and forth. But I don't know that it materially has changed our prior statements on what we expect in terms of decommissioning. And we don't have any additional news on the uptake of the potential Sprint sites. But I would just say that T-Mobile is very prepared in their work in this area.

    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, Gary.

    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 for that question, Brian. This is Frank Frederickson here. And we continue to see positive support, as you mentioned, from state and local agencies in terms of putting packages together to help with the redevelopment of that site. And we're aware that Verso continues with the process with the current potential buyer of that mill right now.
So we don't have anything further to announce or disclose about that at this time. But it's a very, as we mentioned, a positive movement in terms of public support.

    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, the FIP is Cosan's, and our partners will invest there. And we'll be using this capital for the company, but always participating in Cosan's block. Cosan will use that capital depending on its strategy, and it's going to be directed to investments and FIP's partners. Investors would be Cosan's partners bringing in capital, and with Cosan's capital, that will be directed to the investees.
And that is the model for all the companies. So if the investee company decides to have an IPO and the company will be listed. So this investor will be an investor of a listed company, another private company. But the idea is that the FIP is the channel to get the funding.
And as a transparency to all our shareholders, we ensure then that the management will be done by Cosan, the management of this fund, the control and the management of this fund. And as Marcelo said, we might have partners of this fund, of the FIP, that are not partners of the company. But that is one of our characteristics -- characteristics of our portfolio. Is that clear, Regis?

    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. Yes, we're very close to both management teams at NRZ and Caliber. They are both clients of ours and other areas outside of MSP. But as far as Caliber's conversion to MSP, yes it's happening with urgency. So absolutely moving forward with it. We're excited about it. Working real closely with them and more so I feel excited about what's happening in M&A and how it's benefiting us as a net positive. P&C is acquiring BBVA, which is good for us. Huntington acquiring TCF Financial. M&T Bank acquiring People's United Bank. So, just some great trends in consolidation that are benefiting us as well in addition to the NRZ and capital or Caliber acquisition.

    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
 
Well, I just want to clarify what you said. The $1 billion to $1.5 billion is basically business as we do it today, all right? So you'll see our resi repurchases continue, and you'll see warehouse lending grow as if we never had the AmeriHome acquisition. The AmeriHome acquisition, as we ramp that up, will provide either comfort to achieving that $1 billion to $1.5 billion, or if we do it really well, it will help us exceed that number.

    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 mean, it's staggered. Some are immediate. The others are 100 basis points away. But I would say, on average, you're going to need to see probably two rate increases before you're going to start seeing kind of notable improvement in terms of loan yields.

    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, that is new with oats. We started shipping oat to Starbucks in the middle of the second quarter. We're playing a secondary supplier role there. We were pleased that we were able to step in and help our largest customer with one of our SunOpta branded products. I know, some of the folks on the call have seen that product in stores and have asked us about it. So we were -- we felt fortunate that we were able to step in and help them. In terms of durability, we would fully expect that we will be in a position to continue to help them well into 2022.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Hey, guys. Thanks for the question. It's a little bit more open-ended here. But Ganesh, you said in 40 years, you haven't seen such an imbalance between supply and demand as acute as this one.
And Steve, you may want to chime in here as well. But can you guys talk about maybe something that was similar, the number two most acute time or number three? And are there any analogies to this? And how did that eventually unwind where we had that match of supply and demand in DC something like that taking place here?

    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 for the comment. We'll start with the balance sheet question with Ken. And then when it comes back to capacity -- he can jump in on the capacity, but I'll also follow-up with some comments.

    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. So yes to all, Kerry. That is the path. There was a new feasibility in the works with Aquila on a stand-alone basis. Our technical team was providing some oversight to that process. We've been able to view for some time that smaller open pit and a bigger underground there makes more financial sense, frankly. And it certainly helps on the permitting side, potentially not meeting -- not impacting the wetlands that where the issue that last time around at all. So we think that makes sense in every way and we're happy to see Gold Resource Allen Palmiere and his team, they'll step-in and see it the same way as we all do. So, they're essentially picking up that feasibility in progress and tend to complete it obviously, and then use that as the backdrop to go back through the permitting cycle, hopefully a cycle that will be shorter this time round is what we're told. But that's the gating item there. But I think there is a really good project there and it's one that they are eager to push forward.

    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
 
With days, see -- yeah, yeah. That -- that's actually a really good question. And I think that refers to a bigger picture of the whole industry. From our observation, we do see like the overlap ratio between like -- like let's say, the -- the parents sign up for multiple online learning platforms like the ratio keeps rising.
So, that makes -- the parents need longer time to make the decision. But I think at least at this time, it's a really good thing. After a rapid growth for already-top players in the industry, it really comes to the area like we need to be really focused on our learning product and we care -- or they need to really care about the students like where they learn, whether the courses we provided really help them, and they can stay with us for a longer time. And as fierce as the competition, I think the highest requirement was made to the management team that to handle such a large organization.
At the same time, we need to keep taking initiatives to upgrade our products. In the long run, I think it's a good thing. And only the good companies and companies with higher operating -- operating efficiency can survive.

    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
 
Leonardo, prepaid is increasing the base. Also when we keep bringing customers in, there's always room for migration. And I cannot tell you for how long. I think we are putting a lot of effort in creating a very wise with very attractive portfolio coming from prepaid, going to hybrid, going to Selfie. Selfie is an individual postpaid plan going to the family plan that already stands for different needs, one family together wants to have a plan. So, I think, here, the -- and we have people use our plan that is also sort of entry postpaid plan with a very personalized offer, using credit card. So, I think it's much more our ability to drive customers into people and get them with the best offer that's best for their needs. Now, our percentage of postpaid customers is very high, as you know. And here, I think is our ability to drive our prepaid to postpaid. So, that's why our revenues coming from postpaid is much higher than the one coming from prepaid. So, that's the ability that we have to do that. So, today, we have 45 million access in postpaid and 34 million access in prepaid, but this 35 million was asked by -- we added 1 million in the last quarter. So, once we continue keeping this number growing and moving this number to the postpaid, I think it's a mid-to-long-term strategy.

    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 think all the questions are completely understandable and legitimate, and I think they point to the complexity of this whole area around VOCs, right. I'm sure that we'll get other questions during these calls. But let's say, the FDA has asked us to provide data that the replacement material is safe and sound, right? I mean, if you boil it all down, then everybody wants to ensure that if you go out with a repair and replace action on a couple of million of devices, that you do that in the full knowledge that it is a sound -- is a good solution. I think that, in my own words, if I put it like that, it describes it. And so I think it is diligent and the only unfortunate thing is it takes time. And patients are wanting to get this dealt with as soon as possible because not using the therapy is also giving a lot of discomfort and harm.

    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
 
Hi. [Indecipherable] for Joe. Thank you for taking our question. I'm actually going to ask you on TransCon PTH, the data that we're expecting in the 4Q. So ahead of the kidney function data, I was just wondering if you could give us insight into how you're thinking about interpreting the kidney results, considering everyone will be on drug in the study. So, what would be a good result for those patients who have different degrees of calcification over the years? What could be considered a small or big effect, and how do you interpret the results with everyone on drug? Thank you very much.

    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, Frank. I'm going to have Clint answer 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
 
I think right now with 30 megawatts in Amsterdam, we couldn't be more excited. We're more excited about the ability for it to impact the financials in a positive way. Groningen has outperformed everything we had on a piece of paper, which is always great to see customers retained and grew. And without even having Eemshaven open, it's been a very positive impact to our financials. Eemshaven is open and repositioned for Hyperscale. And I expect our Hyperscale team in '21 and '22 to have some fun wins over there that are going to be significant on bottom line performance. So I couldn't be more excited about it. Not wrapped around the wheel right now on trying to go big or go home in Europe. But we're always patient and thoughtful about where to deploy capital and couldn't be more excited about Amsterdam and the scale that we have there in Groningen and Eemshaven to have a positive impact on the business and our customers.

    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'd just also add Blayne that, that is revenue we would have realized through the year. Otherwise it was an accounting change in the way we account for distribution inventory that we were being a little conservative before, so it's real revenue 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
 
Yes. So this is Mike Ragen. Good morning, Anthony. So I'll take that one.
What we're going to see in Q2 is we will see somewhat of a disconnect between our revenue and our costs. The resin prices spiked early in the year. A lot of that is still in inventory for us. As you know, we hedge the lag in -- particularly in Foodservice and Food merchandising, and we will see -- but that's not 100% perfect in terms of our hedging.
We will see a lag through Q2 but in Q3, our pricing will be back up on top of the resin, and we will restore our normal margins. We are expecting resin costs to subside through Q3 and then sort of flatten out through Q4.

    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
 
Awesome. Thank you, and good morning, guys. So, congrats on the very solid quarter. So, if I just step back a little bit, look at what you guys have said historically about the organic growth in this industry, I think you've often talked about organic growth around 7%. You just did better, which is awesome. But as I look at 2021 and I look at your guidance of 6% to 8%, so you're targeting exactly kind of the mid-point of the overall industry. But a number of things happened last year. Obviously, you have some really easy comps in Q1 and Q2. You have TurboSquid, which I think, Jarrod, you talked about $20 million contribution and probably on other things. So maybe unpack that 6% to 8% growth in terms of organic versus non-organic and why at least based on that guide you may be growing below your own expectations for the industry. It seems a bit conservative, or maybe just lack of clear visibility into the pandemic and its effect.
And the other question I have is on TurboSquid. Maybe, Stan, can you just speak about kind of low-hanging fruit opportunities there from integrating that acquisition into your core products, maybe in terms of cross-selling other things versus kind of the long-term opportunities maybe like moving in into new verticals, new products, new geos, et cetera? That'd be helpful. 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
 
Thanks Jerry.

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