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 mean we got the authorization and tended use it to try to help manage the cash flows. So that is still is the case now.

    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
 
Katie, thank you very much. And I want to thank all of the people on the call today for joining the call. I also want to thank the two Ryans, Josh, and Geoff for what I thought were excellent questions, right on point and hopefully we we've been able to answer those well.  The bottom line is I think we had an excellent third quarter. We've had a good year so far through the nine months.
We're very happy with the operating result, the progress we've made against those five strategic priorities, and we're very excited that we've hit a turning point. And going forward we're pretty positive on Genworth's future. And obviously we look forward to talking to again next quarter to give you an update and talk about where we are against executing on those priorities. So with that, thank you.
Thanks for your interest, support of Genworth. And I'll turn the call back to Katie to end the call.

    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, Charles. This is Jason. Yeah, you're right. What we continue to see in the Northeast from a propane perspective is the basis continues to tighten up in that area and then also that area has the ability to feed kind of up toward the Michigan area and we know what happened -- what happened last week whenever they were looking for extra propane in Michigan. So, you're right. There's definitely a stronger market for propane up there in the northeast right now.

    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. Well, thank you all for joining and for your continued interest and engagement here. Really appreciate the support. Look forward to seeing you again on our next earnings call but also at our investor day, September 30.
Matt and the team will be reaching out and coordinating with all of you to make sure that you -- we get that scheduled for you. And so in the meantime, again, have a great remainder of your spring and summer. Stay safe. Stay well, and all the best of your families and colleagues.
We'll see you soon.

    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 one is COVID that we were less hit there than we were certainly in our other factories in south of the Mason-Dixon line in the U.S. I think God then was probably on to something that I hadn't articulated that. I think the more entry-level product has less integrated circuits. So it's less at risk. And then the third is just some sort of basic areas like steel supply, pallet supply, the suppliers that we used for Mexico were more robust, happen to be more robust. I don't think it's structurally any answer that says Mexico is a better place to be for that reason. But the way it worked out, they in fact were.

    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, so as you look at how we engage with customers, you engage with customers through adobe.com and other channels on a daily basis and you're exposed to every single extra day of that week to the upside and the downside depending on which year you're in. On the DX business the vast majority of our -- not the vast, the majority of our revenues will get booked on a daily basis, but there are parts of that business that engage with customers on a monthly basis. And as you can imagine, when that extra week falls in a month and you engage with customers on a monthly basis, you won't see the upside or the downside on that business. So on a like-for-like basis you'll see more of that dynamic flowed into the Digital Media business than you will the DX business. But again, as you think about a 2 point tailwind FX in FY '21 and a 1 point headwind in FY '22 you're talking about slight separation to the upside and downside and depending on which year you're in to this dynamic.

    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. This is a massive opportunity here. The TAM in the market is probably about 250 million today total, with all the consultants and the digital side. We think over the next few years, we're going to see a 2.85 billion to 3 billion TAM.
So we're going to be investing into 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. Good afternoon, everyone. Just to come back on Defense, obviously, you talk about the pandemic that contributed to delays in the execution. But as we go beyond this pandemic and this transition year, especially with the new President in the years, how should we be thinking about CAE's ability to rebound in terms of revenue growth and margin in fiscal '22 and beyond?

    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
 
Actually, the hardware cannot be migrated to XPILOT 4.0 because of fundamental upgrade in computing power and sensing capability. We also upgrade the whole electronic and electric system as well. So basically, these two XPILOT systems are built on top of two very different infrastructure. Also, we are laying the foundation for the future development of L4 level of autonomous driving, so you will see fundamental changes in terms of the ACC, LCC, and also APA programs.

    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
 
Thomas, it's Ernie. I don't think it's really revenue going down in the fourth quarter. It's really truing up the revenue for the full year, as you see in our full year guidance. Certainly, the increased manufacturing and supply revenue was more skewed toward the -- increase was more skewed to the second and third quarter of this year.
But I think the key point is that we are up in our guidance, expanding the range for the full year, and we feel very confident about that.

    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, Mara.

    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. Since quarter end, as of last Friday, we're down around 2% and that's been driven by some slight widening in both MSR to the tune of around 20 basis points in spreads and some slight widening in high coupon specs as well.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. So a meaningful increase this year. We're effectively doubling the percentage of COGS from 1% to 2%, and that's on the U.S. base, by the way.
And we'll be run rating higher than 2% as we exit the year, but we're going to take some of that savings and certainly, reinvest in marketing. We're going to spend more this year. We're leaning into digital and social. And the digital and e-com piece of marketing should grow close to 60% this year.
So we will take some of that and reinvest in marketing like we said we would, but some of it's also going to help offset some of the inflationary pressures we're seeing 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
 
Sure, absolutely. I can just comment first, and Will can add anything I've missed. But I think an important point with health plans is that we have seen implementations can happen very quickly as you saw with Cigna that was a four-month implementation. And then you can also with other health plans expect a 12-month implementation, often coinciding with a 1/1 or 7/1 launch.
Will, do you want to speak to the recognition of revenue?

    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 do want to be clear, we manage and maintain devices. We do not remanufacture which adds a special cause, especially associated with special regulatory category and we are not a remanufacturer, rather we repair and simply return devices back to the original OEMs back.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Good Morning, Mark.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Hey. Good morning, everyone. Thanks for the color on MVP. Maybe I'll just start with just the leverage target of being below four times. I guess at this point, I know that there was a -- in a previous answer in relation to some project financing at some point and once the MVP came online. Is the four times target, I guess, assuming that? And should we be thinking of that as sort of a 2023 event at this point?

    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 I mean, it requires more lime and cyanide to be specific, those are the caustic as well. So just about everything we put on there is increased for this stockpiled ore. And it's different zones of the stockpiled ore have different requirements. But if I were, and we're going through our planning process for next year now. So I mean we'll come out with guidance in due course. But what we're seeing is those ounces are probably coming in at somewhere in the range of an all-in sustaining cost of maybe in the 1,500 ounce range for that 50% of our production for the next six or eight months. And -- but part of that cost is non cash because of the associated cost of building that stockpile. So I think there's a couple of hundred dollars or thereabouts that's noncash. So I mean they still make good money. But there you go.

    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
 
They're pretty balanced. If you look at memory and logic, they're pretty balanced between the two broad categories, breaking down DRAM and NAND, then it varies quarter-to-quarter. But in general, I would say the NAND is a little stronger than DRAM for us.

    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, Stephen.

    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, hi, it's Sanjay. Yeah. So from a U.S. perspective, we are seeing the snap back whether you look at increases over Q1 of '19 pre-COVID year or even in Q1 of '20 similar with Europe, a very strong kind of double-digit snap back over either 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
 
It's a fair question. I think, because of the growth orientation of those brands, we would expect that their margin structure would be slightly below the Cheesecake just because of a weighted perspective of the newer restaurants. So, I think that that has the potential. But, I don't think it's too big when we've modeled it out. But, there is potential for a little bit there. I think, when you look at one of those brands, it could be 2% to 4% below Cheesecake, depending on how many units have opened in the near-term. And so, I think you could kind of model something like that in.

    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
 
Amanda, this is Harry. I think I mentioned that while we acquired a single term account asset. In the second quarter, we have another one tied up under contract. So we're going to add the second property with 544 homes, a mile from the first property with 468 homes. So we'll have 1,000 homes within a mile, one another. And then again, we're going to implement our capital program and $20 million plus in those two properties, implement the operating platform. Again, we will get those operating synergies, given the scale of those two acquisitions.

    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 Pablo, Jose here. I would say that the big drivers are our leisure and VFR traffic, more so than business. Before the pandemic, you could argue that breakdown of traffic for us was about a third each segment. And now there's probably more of a 40% leisure, 40% VFR and about 20% business or business is off versus where it was before. But it is -- it isn't a vaccine tourism anymore. Vaccine tourism at least in our region occurred I want to say back in the second quarter. Today, it's more just real leisure of people wanting to go into vacation after being locked up for a long period of time. So, that's, kind of, what we're seeing in terms of the patterns.

    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
 
Thank you. Hi Aaron, hi John.

    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 thanks, Brian. Ill start on that and, and then perhaps Paul can remind everyone of the ongoing work in the areas on adjudication. As a reminder, the overall question that was posed by the FDA at the time of the complete response letter was around overall risk benefit. And so its really been against that context that we first had the series of interactions with FDA that we outlined earlier in the year. And I think that put us in a position to make good decisions about which data we were going to generate, and now were in that data generation process. And obviously, its going to be the comprehensive picture that well need to complete and then assess based on what we see in the data. Obviously, the step after that, which would be an important step with data in hand, we would interpret the data and the potential discussion of interpretation with the agency would be in a potential pre submission that we would expect if were in that path in the first half of 2022. So importantly, understanding and digesting the picture that we believe this data set will give us will be the important next move for us. Paul, maybe you want to remind on the areas of adjudication, which continue to be part of the ongoing work 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
 
Thank you. Good morning. One of the -- just to kind of get a sense of how you're thinking about expectations for liquidity. I think you made a comment that you kind of view the securities portfolio as being pretty fully invested. And even a more typical pace of loan growth in the back half of the year, obviously, will be plenty of funding availability there. So I'm just wondering, as you're thinking about the back half of the year and deposit flows, how much of your expectation is there being conservative in case of deposit outflow? Or do you have a better beat on where you think things may head back half of the year gone by?

    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. Stage and gauge obviously impact all those stats. So there is going to be some impact as well on TRASM.

    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, Stephen, first of all, nice to hear from you, and I'm glad everything is well with you.

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