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
 
Nice try, Mark -- Good morning, by the way. 2022 sales target, you're going to make my sales guys all get angsty [Phonetic] if I start giving you their numbers before them. But I would say the key point is what Jim and I both mentioned, which is grow fixed index annuity sales and align it with the asset-side opportunities. We've proven through two things, one is revitalizing go-to-market but we are very relevant not only in one channel IMO, but also Eagle Life. So, we have got multi-engines on this plane, if I may use that metaphor or that analogy, to do it. So, go-to-market, so we've got an active [Phonetic] origination platform that's good.
The second is, you can see with our new business reinsurance transaction, not only we are saying the returns are good, but you have third parties validating that to reinsurance with our flow range with Brookfield. And that translates into this ROA platform. We will look at the market opportunities and manage sales accordingly. But I'm not looking to grow sales beyond $6 billion next year. If the opportunity is there between the asset side and the returns on the liability side, sure, we'll do it, or we have the capital for it. But if we think the better return for capital is to give it to shareholders or invest in private assets, and sell a little less, save it in the range where we remain very relevant to core partners, that's what we'll do. We like where we are, we really like where we are.
Hopefully, I answered your question.

    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
 
The range is the product mix because we have five end markets. Quarter over quarter, you're going to see the variability of the mix change. Frankly, you know, what we discussed, the 64% to 65%, that range is potentially you are going to see in the long term.

    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 from a defense perspective, we have some presence on the Joint Strike Fighter and a lot of the land-based vehicles. Good content and great differentiation. The problem is, those land-based vehicles, you got to build an awful lot of them before you get the same content that we get out of a single aisle aircraft. So, it doesn't really offset what's happening with the single aisle aircraft segment. We've also been picking up content in business jets, nice business. But again, those aircraft are much smaller and they don't build as many of them. So, we're still very much wed to both Boeing and Airbus' supply chain. And as they start to deliver aircraft and start to produce, we're looking forward to them starting to pull again. But I think it's going to be a few years before we see pre-pandemic levels in our aerospace segment again.

    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
 
Sure. Yes. We're proud of that 75%. In the company's history, there was a time we actually hit 77% several years ago.
We talked a lot about operational excellence and the initiatives we have internally. And so I would not want to lead anyone to believe that we're going to average 75% in a quarter. That's not realistic. You saw what the quarterly average was.
I will tell you that as we go forward, we believe we have room to improve our annual utilization incrementally. So if there's something more specific, John or myself would be happy to respond to it. But we're proud of what we achieved in Q3, but what we achieved in Q3 on average is not necessarily the best we can do in other peak periods.

    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 they ought to be pretty close to lockstep, but there could be more pressure. With deposits, unfortunately, having a lower bound of 0, theres likely to be a little more pressure on the loan side, although we are just over the moon as it relates to the level of pricing that were able to continue to get in tandem with this record originations, notwithstanding the fact that there are a lot of folks who are originating a lot of loans with a three handle and whatnot. So we feel really good about our pricing power. We feel great about our originations. So were just extremely focused on growing that NII line and recognizing NIM as an output, especially as this level of liquidity is really just exceeding all expectations.

    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 access to physicians, and I'm sure you're probably hearing that from a lot of companies hasn't gone back to what it used to be pre-COVID. So there is no question about that as far as access, reach to physicians is impacting and has impacted everyone's business, including us, including even the Qelbree launch, including the Apokyn business as well. But yes, I mean, the impact on Apokyn is a combined effect of many things, including, yes, COVID, including the increased competition from Kynmobi.

    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 will see a mix shift, as you say, more toward Europe and the U.S. toward the second half.

    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
 
Well, as of today, we are fully reserved, as the current conditions would indicate and -- for the total book, so it's hard to predict whether it will depend on where the outlook goes and what are the credit trends. Certainly, we always will have to cover the new loan growth as well as if there is any deterioration in the credit book.
But right now, I'm just not there to predict where this may go from here, because the Moody's projections are driving this quite a bit. And if you look at some of those forecast today, some of them are indicating getting back to near 3% unemployment rate in not too distant future. So, any low step out from there could drive the model change.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Hi. Congratulations on a good quarter. I know you talked about the OUS launch of G7 here in the back half. And just curious if you could put some context on expectations for how we should think about that launch? And which countries if you're willing to share that? And you've also got probably 40 million to 50 million G6 sensors that you're making a year. And just curious what you're going to do with the G6 capacity as G7 launches?

    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, Brian, great question. Our heritage, what we do and frankly something in the rental business, what our industry does, the impact it has on saving customers water, energy, what we do to treat water instead of it going down into the sewer, because those products whether they're garments or towels or what have you all that, they're going to be either purchased and thrown in the garbage or purchased and cleaned at home. And in both cases, we are helping substantially those folks helping the environment and helping to save landfill space, helping to fill or excuse me, save water, energy and the cleanliness of water as well. And I don't think we told the story well enough in the past, because at our heritage, we are a wash and reuse business. And again, without our industry, there would be millions of more gallons and units of energy and etc that will utilize because they're going to be either thrown at the landfill or laundered somehow, and we know that we are infinitely more efficient at laundering those products than they would be at home or in another type of setting.

    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
 
All right. Thank you.

    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, guys. Good morning. Thanks for taking the questions. Starting on the Bayer deal, can you just give us a little bit more? Just specifically how the technology is going to be used and just a little bit more on the kind of terms of the deal here in terms of the duration and maybe some of the downstream opportunities that are there.
I think you mentioned that the two business development deals that you did are $30 million in total. Just not sure over what period that is, and how we should be thinking about that. So, a little bit more on kind of specifically how the tech is going to be used here, and then anything that you can give us on kind of how to think about that $30 million?

    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
 
Thanks. Hock, just given the ongoing strength in free cash flow and improved balance sheet, can you just talk about your thoughts on the M&A environment and also -- and/or buybacks, how you're thinking about cash deployment as you go forward?

    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, Jade. Just one thing before you leave. I just want to mention, in terms of modification, the answer is no, we didn't make any modification in terms of what a borrower would typically request. Just to be complete, I just wanted to mention that we did make so-called one modification of a loan on a multi-family loan, because we wanted to a potential maturity was coming up and we wanted to keep that loan on our books. So we did, I guess, if you want to call it, technically modify it, but it wasn't due to the loan not performing. In fact, it's the opposite. This is a loan we want to keep. And so we were able to do that and keep this loan on our books.

    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, hi, thanks for taking my question. I'll keep it brief, it's just a quick one. The acquisition of Afterpay by Square, does this trigger any material adverse change clause in your contracts with either that might push a more aggressive renegotiation schedule? 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
 
Well, Dan, in regards to the discussion of whether it's pharma or CDMOs, we continue to see capacity expansion happening in the market. And our customers are not slowing down at all, whether it's the pharma or the CDMO customer. So the typical seasonality that we see I think is in order. Other than that, Shaun or Kurt, anything to add in regards to corporate stuff?

    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. Thanks for the question. Good to hear your voice. Craig?

    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'd use a target right now -- I would use a target of 2019 just as a kind of a precursor.

    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 generally the increase in disinfection and hand wash has continued to change, consumer habits have changed. So we have -- that has sustained our growth in the Surfactant market. And as we look at our customer comments and we just finished our Annual Global Meeting, our American Chemistry -- our Cleaning Institute conventions and all the customers remain bullish about the long-term prospects that sort of sustained increased demand for their products. So we have -- so we fundamentally believe that we are going to continue to see increased demand in the Consumer Product segment. We've got better availability of our raw materials to support those growth in those end markets. We, as I've said, debottlenecked and are expanding our capacities both in the bio side and the amphoteric market. So we think overall it's -- the markets will continue to grow and we'll be able to support 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
 
Hi good morning guys. Mike, a question for you, just calling out the inflection in the market, that's pretty exciting. I just wanted to dive into that a little bit more in terms of what you're seeing, in particular, that's driving that inflection, is it kind of post cover normalization or return to in-person events? And then following up on that, are we back do you think to levels that we saw pre-COVID in terms of the potential for fundraising and fundraising events and some capital budgets coming back to your customers? And then I just had a quick follow-up. 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
 
I'm not going to call out states by name, but there are areas of the country which have lower vaccination rates, right, than others. So yes, there are -- those particular states are going to feel the vaccination mandate harder than those with higher vaccination rates. That's just a fact. So we could see some of that come through when the mandate kicks in January.

    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'm sorry, yes.

    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 think it's fair to say that, that -- that's the case, when we open up a new subdivision. We're trying to have all the parts in place to make sure that we can support that growth, the superintendent and the sales professionals and people onsite having bid out the project able to get starts from the ground. So that same 60-day discipline applies for new subdivisions 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
 
Thanks, Raj.

    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, guys. This is Cathy on for Jason. I just wanted to go back and follow up a little bit about the margins. I know you guys are talking about how you're expecting a step-up in the next quarter. Can you just talk about your visibility on that acceleration? What factors are you expecting to drive it, whether it's by top-line or maybe there's opex cadence or are there any other factors involved that we should be aware of? 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
 
Thanks, Camilo.

    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
 
All right. 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
 
Hi, Eddie. I think you're right, given the regulatory environment changes, I think more and more customers would want private deployment or a private cloud or hybrid cloud rather than public cloud. And like Herman mentioned before that our highest growth areas and also higher margin area comes from those kind of private placements work or solutions offered to our customers, typically end-to-end solutions, leveraging our strong capability in all kinds of AI value chain, PaaS, Saas, all included AI chips, frameworks, deep learning frameworks.
And when we say SaaS, it means more like end-to-end solution, which typically would include the PaaS part. It's just AI PaaS in China or Paas in general in China is not a big market yet. It's growing very fast, but it's very hard to charge a lot of money for a middle layer of the solution. But, yes, I think a lot of customers do value our end-to-end capability and solution in terms of AI. And I think, overall, it's a very large market and our strength is to really leverage Baidu's investments in AI and provide end-to-end solution to our customers in important verticals like industrial Internet or transportation, energy, financial services, these kind of verticals that we think we have a very strong proposition.

    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, thank you. First question for Tyson. Tyson you've been talking about security for a while. It sounds like Secure Vault is ready for prime time. How should we think about the financial impact of your security technology whether enhancing gross margin in the IoT business or whether it impacts the revenue profile for IoT?

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