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
 
Yes, I think -- and Jack can jump in. I think the $330 million you referenced was an estimate for 2021 for public sector, contribution, and I think we're holding to that number. So I don't think we have an update on that front. And on body-worn, I don't know if you want to...

    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
 
You are Welcome. 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
 
Good morning all. And Congrats on your transaction updates.

    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 would expect this to be lumpy. I would expect there to be fits and starts. I don't think you're going to have a seamless perfect growth out of this. But I still expect things to be moving in the improving direction.
But it doesn't mean -- much like we say defense can at times be lumpy, we've said from the beginning that we anticipate this recovery will also be lumpy in the way we ship product.

    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
 
Randy, this is Dave. Like always, we kind of have a significant backlog of projects that we're working through that potentially improve the funnel conversion. I mean, it's kind of the core way we grow, is improvements to our models or some of the technology that helps borrowers get through our funnel. And we continue to have a significant number of model upgrades that we expect and such.
We don't always know exactly the -- exactly what the impact will be of the scale of it. So I think that's, on balance, reflected in the guidance, which is a continued pipeline, some smaller things, some that have potential to be larger impact. Some are related to approvals and rates offered to consumers. Others are off related to friction and reducing friction.
So there -- it's a little bit of a mass, and we don't have anything particular to point to other than to say the team is working really hard to get upgrades and improvements into the model that are going to make the consumer product better and it's going to make Upstart's business more successful.

    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
 
Sean, it's Richard. So yes, I mean the same value that we had placed on that contract remains the same. Nothing has changed there. If your question is on the remainder of the United Group lives, we still have those contracted through the end of this year, and we're just having active discussions with them to finalize for '23 and beyond. We feel really positive about that going. It's going well. In terms of all the rest of the group lives plus the individual lives of all the contracts that need to be renewed, all of those are secured, and that's why we're seeing live growth for the beginning of next year and then, of course, throughout the year with the agents.

    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 for the question. Good morning. With regard to the category it's still -- it still remains to be seen. There are handful of states that are legal at this point, not even half the states. And we have a terrific footprint in many of those Pennsylvania, Tennessee, Michigan. And as I said, we think there is upside as it relates to how big, I think it does have the potential at some point to be a pretty big channel, a pretty big category if you will for radio. But there is complexity in navigating the legal and regulatory framework.
But we do have momentum. And again, I think we have strong properties both locally, both with our station footprint, but also with our network vehicles. So we're focused on that. As it relates to how it makes us think about our sports content and positioning, there is lots of synergies there. And so it's encouraging, that's one bright spot in the category picture. I think you asked about -- I think the second question is about cost reductions, as we said in the prepared remarks, we are continuing to be focused on that.
We've always said we don't operate with a lot of facts, but dealing with the new normal of mostly remote work has shown us over the last year, new ways of performing some of our operations that are more efficient than the status quo. So the short answer is yes. We're focused on three buckets, the obvious is T&E and the second would be real estate, how we work, where we work and then the third is business process improvement and efficiencies enabled by technology. And so those are the areas we're focusing on.

    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 guess -- this is Kevin. I can start off. And you're right, the sensitivity has changed somewhat in this rate environment as that has for many banks. We are, at least from an academic perspective, when you shock your interest rate risk scenarios by 100 basis points, 200 basis points, we're liability sensitive. Now, that often plays out differently in reality as you have different types of yield curves and the dynamics, and we model that as well. From an academic perspective, we are a little less liability sensitive as a result of some of the changes in mix. We are still somewhat liability sensitive, but we monitor this very closely and really manage the balance sheet in a very flexible way in order to take advantage of different interest rate environments.

    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 know, it's a good question, and we've been talking about it for a while. I would tell you right now, I think there's a size bias. And so, we're approaching, you know, $800 million in assets. I think as we approach $1 billion in assets, I think that's when we would start approaching the rating agencies because, you know, what we've tried to do over the last six years is really diversify our sources and products on of the liability side.
So, it started with growing, you know, that credit facility over time from, you know, three lenders to 11, doing the baby bond and then having two institutional deals done, and now adding to it the SBA really sort of, you know, kind of solidifies, and we believe that plus trading above book and having the ability to raise equity on the ATM program. And then, I guess lastly, you know, I think the other thing the rating agencies look at is, you know, repayments and liquidity and coming off of the portfolio, which now, you know, we see that in a steady-state, now that we're a stronger -- a larger company and more mature. So, I think all that being said, I think it's really just a little bit more of time and to continue to perform and make certain that we're also -- our leverage level is prudent.

    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
 
Pardon?

    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. So I know as you can see we raised the low end of the guidance here for the first quarter to some way to comment to that we continue to think that there's strength in the business model itself. But we very regularly put through a range of guidance on an annual basis. That considers a low end because of the fact that we work in volatile workspace. Oftentimes, it comes down to the way that the weather patterns impact the year more specifically in the fourth quarter.
The fourth quarter is where substantial types of increment weather can come in and really impact the type of dynamic. Let alone the fact that through the year we work in a range of circumstances creating volatility. So we think it's always prudent to recognize those circumstances. But what I would also say is we think we have a tendency to execute throughout. I think also as we've seen us do the last few years. So as we stand here today, we think our business model is intact. We think we continue to do the margin improvements that we think are available to us, but it's just the right thing to do to recognize the volatility of what we're working.

    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. Thanks, Kevin. As we mentioned in our message earlier, we're going to continue to evaluate opportunities to return capital to shareholders and we view that as a priority in our overall scheme for capital allocation. We mentioned that we are committed to executing the current share repurchase program, and now plan to complete as you said most of that program by mid '21, that is a further acceleration from where we were and where we communicated back in 3Q. And then on a look forward basis if you look at that combined with our dividend, we will be a little over $1.1 billion return to shareholders. And at that time if that program closes out, we'll take a view of all of our obligations and sit down with our Board and talk about what's next after that. But look, I'm confident that returning capital to shareholders is a priority for me and it's a priority for this Board and we'll certainly keep you informed as our thoughts around that evolve. Greg?

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
I think we missed the operative word there. Are we looking to see any changes in -- what did you say to 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. So I would say that when you -- I think we've kind of come down to a steady state from a percentage of revenues. It's been around this 5% of revenues. And so I kind of expect those levels.

    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 very much. Hey, Tony, could you just expand a little bit more on the lead time comment that you just made. If you kind of reflect back a couple of years ago and a more sort of normal market environment what would sort of typical competitive lead times have been versus what -- where they're running now? And then maybe as a follow-on, I know, Polymem, you talked about having a -- gaining a competitive advantage in the hollow fiber area. Again, can you just sort of talk about what your lead times were before that deal? Thanks.

    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. Yes, I think that's a fair characterization.

    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. Andrew, I think, let's say, overall, as we've said, I mean, we are off to a good start. I mean, in Q1, I mean, the plan today was assume a return to full capacity to capacity available as of Q3, Q4. And this is how our share plan, I mean, has been built, I mean, at this stage. So, if you think the guidance that we have, we maintain still at 11% to 15%. I mean, as we -- from an EPS standpoint, as we have mentioned and to start that with issues we had in Q1 should be gradually fading away as we get into Q3. And as Stefan was mentioning with the build up of the line starting in Q4, there is going to be start we'll have at the end of the year as it's a going 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
 
Yes. So it's chemicals and films largely. But in addition to that, it's just freight. So there's longer lead times both in the receipt of our material, just freight companies, things being left in cross-docking stations for an extra day, for example, as well as our outbound freight to our customers. So those are the two primary areas. Overall, a lot of this is still just the further upstream than us working through all the capacity limitations that existed because of the storm in Texas.
The industry is slowly working through those backlogs from what we see. We also think that, that's what's driving some of this demand quite high of people building some inventories and so forth. And so it might be a bit elevated across multiple industries. And as that -- you see some abatement of that, that should ease on the supply chain. So we don't have clear visibility overall. When these will end, it's broad-based, but we would expect looking here as we get toward the end of this year, things start to ease 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
 
Sorry, the question was acquisition-related revenue?

    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, Steve?

    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 don't have a ballpark yet. There's a lot of work that we've provided and understanding. We're the product of a separation ourselves. We separated from our former parent, Ashland, 5.5 years ago. And so we're well aware that there can be cost dissynergies created through a separation. Certainly, the costs associated with standing up two businesses often involve some dyssynergy in the support areas, like IT and HR, finance and legal. We're working through to better understand those. We do think there are some opportunities within the structuring of the product support and the brand arrangements to minimize dissynergies, and we're working with our Board as well to better understand strategically how to best structure a commercially reasonable, commercially beneficial approach between the two separated businesses. But we're in very early days so more to come on that as more work is completed.

    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, Matt.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
We've got a couple of questions from Ronit Ghose from Citigroup. The first one is on the wealth business. The wealth business in Hong Kong has -- I noticed, has been very strong. Why do you think your wealth business in Asia excluding Hong Kong has been less strong? And what should we do incrementally 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
 
Hey guys, this is Maddie on for Josh. Thanks for taking my question. I was wondering if you guys could talk about the recovery that you're seeing in hospitality and how you expect it to recover in the second half of the calendar year. And I have a follow-up. Thanks.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah. Thanks, Elizabeth. Yeah, I think this year more than ever, we've seen a heightened awareness from CMS around quality standards and we've obviously heard that from our carriers as well. So we've, since early this summer, worked really closely with our carrier partners to ensure that we have all the right quality standards and metrics in place, including additional training for our agents.
We have not seen any sort of material impact on our AEP results thus far nor did we expect to. We think long term, this is a great thing for the industry, right, imposing higher quality standards for all players in the market. And we feel we were already in a really good position with the carriers and the partners we serve.

    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, Jack, good morning. It's really two things, definitely pricing power, that's helping. But I think just equally as important, we're starting to see the margin improvement coming from the William Lyon acquisition as well. That was a big focus obviously getting that scale and now we're focused on operational excellence. So those are the two big drivers.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thanks. Good morning. Lynn, could you just talk about what you're seeing in terms of incoming interest and deal activity right now. You seem pretty optimistic maybe something to happen this year?

    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. That's correct.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
We -- the hirings that we have put in place, the roles that we have now, for instance, investor relation into a lot of things like that as well as things like listing fees on Nasdaq, public market, insurance, that whole suite. We sell million and a half to 2 million a quarter depending on the quarter. That's what we will experience in Q4 and across 2022.

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