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
 
Michael, I will just comment on ceramic. One of the things that is impacting mix at the moment is we have a stronger residential business and the commercial business is just starting to come back. And typically, our pricing would be a little higher on the commercial side.

    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 will be complete by the end of this month.

    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's a great point. If it works out on paper or as it is on paper right now, I think you're right, it's real close to that sweet spot, and we've said that the traditional business within commercial vehicle is going to hone in on that double-digit margin with that. The thing that will pull that back a little bit next year is the investment in electrification. As I mentioned a few minutes ago, a lot of the new wins coming in the medium-duty and now starting in the heavy-duty space are coming through, and there's going to be some spending there to bring those online. So that combination -- the combination of those two will probably pull it back a bit, but we would expect certainly margins to improve compared to 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
 
No, you did not hear her say 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
 
Yeah, so you're right. We guide to 23% to 24%. We're not going to change that guidance right now. We know that there is tax law being debated and whether the federal statutory rate moves up to 28%, which is what the current administration is aiming for. We don't know the timing, we don't know if there'll be some compromise at a lower rate but our better performance than the guide it's really driven by, in large part, to the company-owned life insurances those gains are non-tax. So that definitely provides us tailwind, which is why we've been better past couple of years than the guided rate. We're not going to bake that in and anticipate more tailwind from that here in 2021, so we're going to stick with our guide of 23% to 24%. Thanks, Walter.

    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, Amit.

    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. Hi. Good morning. And Roz, congratulations. I'm very excited and happy to see yet another female CEO join the healthcare group, so welcome. My question goes back to your comments around sort of the brick-and-mortar strategy and sort of that combination of the human factor with digital. The physical footprint has been top of mind for investors, especially when we think about sort of the new change or how consumers are accessing healthcare post the pandemic.
So any early thought or is one of the things that you're looking at -- are you also looking at sort of what is the ideal number of brick-and-mortar stores versus digital store fronts? Or do you think that sort of that 9,000 footprint is the right footprint, the right base and then build the digital strategy around 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
 
Look, I mean, we're not, our supply chains are relatively discrete. So, any moves that we make are, we're not auto OEMs that have to make big strategic decisions based on geopolitics and foreign currency and things like that. So we're changing it all the time to a certain extent. I think that the, the trade of buying low-value, high commodity price exposure, basic metal working out of Asia and bringing back to the US, I think that that has been dying for a couple of years now. It's part and parcel of the reason that we're making some investments into VSG and ESG, right now, because we think that we can be more competitive and get the industrial absorption of doing it ourselves to a certain extent, but we're not, we're not making big strategic decisions and not big swings. But we're always trying to adapt the supply chain.

    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
 
Not really, they were TPG wants to give you a little bit more time before they really run sort of a full blown process and that's really because things have been rebounding pretty nicely there, and I think their thought processes, I want to be careful here because I want to speak for them. But I think their thought processes, as the portfolio has been recovering it will just make the opportunity to get a better valuation that much greater. So I guess, it's not really going to start in earnest until after the first of the year and then the way to think about it is however long it takes to find a buyer, it's going to take several months for regulatory reasons to get a close. So I don't think we're looking at anything sooner on a close than mid-year 2022, could be later it later in the summer. For us it doesn't really make a difference, kind of is what it is now and to the extent-- look they are smart and so to the extent that they think by waiting on better valuation that accrues to our benefit anyway.

    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's -- well, on the latter question, yes, absolutely. April was OK, I mentioned in my remarks that recovery over the course of the year, what we expect of the recovery environment. I also said it wouldn't be smooth or linear. April was an example where in the first half, I think we were all -- and this wasn't just a Nevro issue, by the way, this was a segment issue. We were all a little surprised at how so many of our doctors when they had the first opportunity in the year over spring break to take their families and go somewhere, they did. And so there were a lot of empty offices in the first half of April, and the second half of April looked far different. But that affects the month, of course. So there's little things like that are hard to predict. This is a really difficult environment to forecast and project that came out and all of Rod's disclaimer language around our guidance.
It's just tough to know exactly what the shape of this recovery is going to look like, and how people are going to respond, how doctors are going to respond. We think it's easier to project over the course of the next nine months than it is over the course of the next six days or three weeks. But hopefully, that color helps. I think we're going to continue to see trials grow, but it's not going to be quite as easy to predict on a short-term basis as maybe it has in past years.

    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
 
No. I think I would agree with your comments. I mean, we did see the mining segment pickup. We did see parts of construction as well, especially in the Far East and parts of Europe. I would say this, I mean, the order books are really strong to start the year. There's a lot of strength in the second quarter, to the third quarter. I think the differences with construction right now is there's a lot of leading indicators that you can look at an Ag, and you can see longer and further into the future where Ag is going. Whereas right now with construction, there's good visibility through the next couple of quarters, but there's some more attributes out there that kind of see where they go, what our governments are going to do, how are projects going to pick up.
So a little bit more of wait and see on what 2022 brings. But certainly, a great start to the year. We kind of expected this pickup in our earthmoving and our construction segment to be more in the back half of the year, and it's great to see it start the year off strong. And again, that robust order book is there that will get us through the second quarter, third quarter. But again, kind of looking to see how things building and look for continuing growth into next year. Where that -- again, I think all the attributes are there and all the indicators are that the level of strength is really, really strong in Ag.

    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
 
And Lucas, as you're probably aware that a lot of the development costs might also be expensed through operating costs, so it might not all show up in capital.

    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
 
Hey, Thanks for taking my question. First, and this follows up on the Canadian deal that was announced this week, as you're looking for the other countries that were highlighted as kind of early access to drive the international expansion. Are you looking to structure those with this type of larger master franchise type of structure after striking the deal in Canada?

    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. Great, thank you. I wanted to talk about cash flow because it was actually quite remarkable in the year. And as I look at the year-over-year change in the working capital, most of your accounts were to the positive accounts receivable, contract assets of down, contract liabilities up a little bit. So it seems like working capital was mostly favorable in the year. This is also to ask the question, Betty, do some of this need to reverse in 2021 do you think because of just the positions where you finished at December 31? Could you talk about the capital budget outlook? And could you also just quantify for us the benefit from the CARES Act and the payroll tax holiday that you were given in 2020, so we just know how much that contributed to the very good cash flow this year?

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. So good question, Meyer. So our actuarial team performs a formal trend study annually that analyzes frequency and severity trends across lines, as you might imagine. We also look at exposure trends. to the extent that business we're writing is inflation insensitive, we're picking up that impact on exposure as well. Our actuaries look at the duration of lots associated with those products and have to take that into consideration relative to the impact on future claims payments, but we're constantly seeking to identify trends in various segments of the business that we write. So whether that's Northeast habitational or California nursing homes or New York contractors just I guess, decide a couple of examples.
And so we adjust our pricing trends and rates accordingly when we deem it necessary, whether that's a price index related form of inflation or social inflation. And we get fairly granular by line of business. But at a very high level, we currently think about loss cost trends on the overall portfolio in the mid-single-digit range. And clearly, the rate increases we're producing are a multiple of that range. We're actually in the process right now of doing that formal review and kind of setting our expectations going forward. So we'll be refreshing that you shortly.

    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, Lisa. A quick question, you were talking about wound for Europe, did I get that right?

    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. We have Jeffrey Skolnik here. I'm going to give a broad update. Our RRP immunotherapy currently is undergoing Phase 1/2 trial.
Enrollment is continuing and we hope to have both immune responses and early clinical benefit data, potentially in the first half of 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
 
Yes, I mean, I think it's -- there are a number of factors that I think starting to resonate in the marketplace. I mean, Avid's only a name out there that is so focused. CDMO is only a few years old. The truth of the matter is that we've been in the biologics space for 28 years, as a company. We've been manufacturing commercially for more than 16 and we have a regulatory track record, which is pretty impressive. And the guys do a great job and then it comes down to execution of batch in, batch out and building that reputation and then people start talking about you and that gets out there and I think that's what's going on at the moment.
And then the other thing is that speed to market is a critical success factor for most of our clients, if not all of them. There are lots of things you can do at the end of the day to speed up the process between inception of the project and delivery. But one of the key success factors is actually having a bioreactor to make something in. And so having that capacity, being proactive with those investments and showing clients that whether you are an existing client or a new client that we'll be here for you, and we'll have that capacity available when you get success.
And so those are the key factors that I think are driving it obviously, being an early mover in disposable technology means the guys are pretty good at using it these days and pretty effective. So a whole host of different 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
 
Yes. Hi, Michael.

    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, video. Yeah, I'm sorry. We had good results in video for two reasons. One, we had outsized growth in connectivity and as a result of that, by having market share shift to us from other video providers as they bought our broadband, we grew our video against a macro trend of declining multichannel video growth. And that macro trend hasn't gone away and I expect in general, video growth for the industry will continue to decline maybe at a moderate pace. And I don't think we'll have quite the Internet growth, that we had in 2020, in 2021. So I think that just that fact alone is going to put more pressure on our video growth going forward.
But on the other hand, we've been able to grow with OTT products in smaller packages and we still have opportunities there and we're forecasting our internal growth in those areas to continue to accelerate and so the net of those two things is difficult to say, but I think we'll do better than the industry in general if you just look at multichannel video growth, whether that will be positive or negative I'm not sure.

    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
 
Oh, Hector, I think that I would say we need to -- that's part of a forward-looking strategy, and we would not like to focus on that. I think that Mexico right now has a lot of challenges. We have a very strong position right now in Mexico with our Coca-Cola portfolio and our Jugos del Valle portfolio. And we have our hands full right now.
If something comes in the future, we'll definitely talk about it in the upcoming calls. I don't know, John, if you want to mention on that.

    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. Thank you. 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
 
Sure Jack.

    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
 
No, I mean I'm optimistic, I don't think there's any reason we shouldn't be able to expand. We've got an opportunity just as I said, to get back to where we were pre-pandemic and I'm relatively optimistic that over the next couple of quarters we should see some easing in the supply issues and we've been working real hard, and I think we're getting traction on the labor challenges with some of the investments and the things we're doing there. So, no lack of optimism and we need to get it up to, and then pass where we were before and we should be able to do 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 mean, the -- the metrics are essentially as we look -- we break it down into four categories: the transaction account, investment account, boring account, and card. And we have the highest cross-sell rate both in terms of, you know, third-party benchmarking studies. And like I said, the -- across each of those four product categories, we've seen consistent cross-sell rates over time. So, it -- that's probably the best way to describe 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
 
Yes, yes, that's correct, Mig. Obviously, we'll have some in line on the F&E side and maybe a little off tick in recreation. But the impact that we're having because of Collins, the $25 million to $30 million, with that plant being shut down, will more or less normalize the normal $20 million to $30 million uptick we've seen historically from quarter to quarter.

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