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. We're still bullish about that. I think we've done a really good job of expanding that market. We do believe that we're a great venue for a certain element of sort of the lower end of the clear title market, and we've done well there, and we continue to deliver there. We've enhanced some of our offerings that are much more specific to that marketplace. And yes, it's also similar to what we're seeing in the used car world. There is a short supply, right, even in that market. So I think sellers are really valuing what we're bringing to them to help them optimize their recoveries.

    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
 
Let me get there really quick, Travis. That would be -- so 278 over 2019 was 264.9. So I don't have the percent 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
 
Yeah. I mean, it's -- we worry about it every day, and so do our competitors, right? And so it's -- you know, everybody is trying to fulfill what customers need and I guess the silver lining is this is not necessarily unique to us, but it's certainly frustrating.

    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. Yes, certainly, iPhone was one of the major factors why we exceeded our own internal expectations at the beginning of the quarter. We have a -- a fantastic product lineup and we know that, and it's been fantastic to see the customer response for the -- for new models, particularly the Pro models, the Pro and the Pro Max. So we've done very, very well both on units and on pricing because of the strong mix.
And we've had some level of supply constraints as we went through the quarter, particularly on the Pro and the -- and the Pro Max. As you said correctly, we launched these products in the middle of the quarter, two models after four weeks, the other two models after seven weeks. And so obviously, we had a very steep ramp, which fortunately went very, very well. The products are doing very well all around the world.
I think you've seen that our performance has been particularly strong in China, where we've seen phenomenal customer response that probably there was also some level of pent-up demand for 5G iPhones given that the market is moving very quickly to 5G. And so as we look ahead into the March quarter, we're very optimistic. We believe we're going to be able to be in supply demand balance for all the models at some point during the quarter. And it's -- the -- the product is doing very well all around the world.

    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. Listen, all price increases, we work with our customers. We have contracts with many of our customers. In some cases, we give 90 to 120 days' notice.
In some cases, these are longer contracts that we work through. And then, we have spec-in businesses that we work directly with the OEM. So put all that together, that's how we look at this. So it's hard for me to give you one number because pick a day, and I think you'll have a different percent of contract "under contract."

    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
 
This is Brent. I'll take the first one; R.A., the second one. I don't believe there's a direct impact on Feedonomics business from changes in tracking and sort of pixel rules on websites because fundamentally, the part of the business that Feedonomics is in, is in the feed part of it, meaning getting the product catalogs from the source of truth of a brand or a merchant into the advertising destination and optimize in the format for that. They're not in the part of the business that is related to either website tracking or ad buying, although if you don't optimize your feed, then anything you spend on ad buying is going to have a much lower return on ad spend.
And so it's really a prerequisite. There may be a secondary effect, which is that as certain types of historic advertising becomes less viable or less productive, then merchants are going to seek out new and additional sources of advertising to make up for that. That really plays to Feedonomics' benefits because once you get your catalog into Feedonomics, they're then connected to 100 or more channels around the world. And you can very easily add channels and sort of makeup through breadth, and that's what you might have lost from other channels based on rules changes.
So no direct effect, I don't think, but the potential for secondary benefits. All right?

    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. Just a follow-up. I can't help it on the foodservice side, it feels like your customers, the food attach has been very strong within that breakfast D segment, those coffee players are talking about a lot of breakfast sandwiches being sold. It just felt like when you look at an index of your potential customers, it would have been at least a few points higher than where the Street was versus below. So I'm wondering about just a shortfall of just your constraints versus what you thought would have been possible in terms of supply, but my real question was really on Refrigerated Retail, love some anatomy of the -- of the decline versus -- of that EBITDA margin versus 2019 levels. When you think about pricing, net of costs versus supply chain, what impact do each of those have and then how did those get better as we think about maybe in '19 being an anchor year getting back toward those mid toward high teens actually EBITDA margins, when can you get there? Thanks.

    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, thank you Steven.

    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
 
Certainly there is definite upside on the C&I David the the challenge there is utilization. We will -- we definitely book quality lines of credit to customers. The question is utilization and when they -- when we most customers get back to seeing revenue growth and we'll see, we'll see more utilization, which will result and larger funding, but there is an opportunity for us and we have experienced C&I lenders in our in our producer team.

    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, I mean, I can't give any specifics around any deals that we're working on. But I can tell you that we're working on deals. I mean, we are in conversations with franchisees both current as well as prospective who are very interested in purchasing Company restaurants. But the challenge, Lauren is, these restaurants are very profitable for us. 18 months ago, when we started talking about refranchising restaurants as per development, the economics were very different around our Company restaurants. And so, trading Company owned restaurants for royalty stream seemed like a really easy decision to make at this point, because of the margin enhancement, because of the flow throughs, because of the AUVs, it's become a little bit of a different math equation.
So, we are working with franchisees, I mean, it's going to take a lot of development for us to part with our restaurant. And so, we're in active negotiations and discussions with franchisees, but it's not as simple as just going to an asset light model, because we're making a lot of money on our restaurants.

    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. It differs by each one of the hyperscalers. They each have kind of a threshold of how many percent of their compute needs they're going to build internally. It fluctuates based on the region and their ability to build on their own and their comfort with partners like QTS. And so we see a wide range of percentages of build versus lease. What I have seen in the past couple of years working with our team is as our incumbency grows and the trust in the partnership that we have, those percentages start to shift in our direction and generally toward the leasing side of that equation.

    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, this is Alex [Phonetic] on behalf of Rod. Nice job on the results. Could you expand on the difference between the instalment lines versus the line of credit and how it's better for customers and you also mentioned some back to cash flow, so could you give us some color on 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
 
Thank you. Good question.

    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. Well, it's pretty unchanged, Laurie. We've -- we for 20 plus years, 21 years now, have been pretty committed to building an organic growth story in markets that we know and understand well and have a great market presence. And we think that's resulted in a great valuation. And basically, the color we're getting from that from our shareholders is that they kind of like that concept and more of the same would be warranted. So yes, I don't foresee despite the strength of our stock, I don't foresee that pushing us into a different M&A vector at this point, no.

    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 david

    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
 
There will be some increase in the second quarter and then there will be some increase in the fourth quarter. And -- but in general the overall percentage of target increase is about 5% year-over-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
 
Hey Neil, it's Tom. I mean nothing -- I mean, 0 reticence, I would say. We're quite pleased with the way the market conditions are going at this point. I mean the fourth quarter, home buying this time was up slightly by like three percentage points as a move-out reason or about 200 move-outs on total. So I mean, we saw a little bit there. But as you look forward, our accept rates are at their normal levels. So we're not seeing turnover go up over time there. And home renting is flat again. So that continues not to be a major factor. We agree with you that the overall home buying market certainly getting stronger. And we wouldn't be surprised to see that tick up from time to time, but it's really reflective of a strong jobs market and a good economy and that produces jobs. And frankly, jobs are the thing that drive our business. So that would be my thought thus far.

    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. So in terms of our buy now, pay later strategy, there are really two parts. The Sezzle investment is really being driven by the payment side. And that's similar to the investment we made in Marqeta a while back. Our set of network assets are very useful for many fintechs in terms of just an easier way to process payments and connect to merchants in a wide variety of forms. So I'd say that's the core of what we're doing with Sezzle. We also believe that potentially, over time, there may be opportunities on the banking side. So in terms of our providing lending, not necessarily with Sezzle, but in the buy now, pay later space more broadly. And again, leveraging what we can do with unsecured lending and our direct merchant relationships. But I'd say, we haven't announced anything on the lending side of buy now pay later at this time.

    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. Thanks a lot for taking my question. So can you frame out the math a little bit that you provided? That was very helpful. So $279 million of COVID costs are going to roll off. You'll have $100 million [Indecipherable] that are going to be ongoing from the $25 million run rate that you provided for the fourth quarter. So that's a net $179 million benefit. At the midpoint of the incremental pressure you're feeling from wages and shrink, that's $137.5 million. So all else equal, nothing else happens, your sales are flat, you should have $41 million of additional operating income simply from the mix of those two factors. And as pointed out, can we -- can we then just kind of model out how we think sales are going to be and operating income would grow with sales putting aside that other math?

    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, Derek.

    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, I don't know how you define heavily but we are clearly investing in some new initiatives that Al outlined in his talk, the SEI Sphere business activities, the GRC business activities. As I mentioned, we did two smaller acquisitions in October, and which Steve and Paul will speak a little more to. Those have probably short-term expense elements to them.
So we are investing, we always speak in terms of percentage of our revenue in terms of total R&D, and I think, we'll -- we are still operating in that kind of 10% type range until there is nothing that I think would surprise anyone that we're doing or that we are already have in place. Things like Private Wealth Management, that's a self-funding business now because it's a revenue-generating business.

    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
 
If we comment on target for 2022, we run the company not focused on 2022 but much rather on the long term. So we have a clean result for Q4. There's not really any specific tailwinds in any way. So it's not that we think that is going to change.
It's just that we see that we will continue to invest in the business in order to drive the long-term margin target of 15% to 18%. That's what we are focused on. So 2022 is merely a milestone on that journey. And we have not spent a lot of time looking through the details of 2022.
So view that only as a stepping stone to a much higher margin target. And on the IPR, I appreciate your question, and I understand the difficulty, but I would encourage you to think how long is a rope. It's very unclear when you look at just that pile. So it's very hard for us to say that how many quarters this will go on.
We have given you the guidance that it's about 1 billion to 1.5 billion per quarter. And we will update you as we move along on that journey. But rest assured, our focus is again not on closing a deal in specific quarter but much rather on maximizing the net present value of our patent portfolio. And that's what we will focus on, not on an individual quarter.

    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. Glad to touch on that, Eric. I think fundamentally, the thing to be read into that is the fact that HPDI is a superior product. We see this playing out, as we mentioned in our opening comments in Europe where there's vehicles that are on offer with spark-ignited engines and there's vehicles on offer with HPDI-equipped engines.
And the HPDI-equipped engines are preferred by drivers. They're preferred by fleets and they're taking market share from spark-ignited engines. And so from that perspective, we feel quite confident in our technological product position. Having said that, Spark United is also a good technology.
I don't want to dismiss it entirely. We sell a lot of Spark ignited products around the world. Our way to sell that product in North America has been through CWI historically, but there could be a new path in the future, so watch the space.

    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, I wouldn't describe that as much as a backtrack, I think we're generally on track with prior guidance.

    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 taking my question. I mean think your contract structures, I think in the past to about half of the converting volume having a cost plus structure and the other half tied to the index. I mean is there opportunity to further increase the percent of volumes cost plus just given the amount of inflation in this year?.

    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
 
When you say is it common, it's not common to sign leases in excess of $200 a foot. The comp set would be zero. So I don't know how common it would be to -- if you went out and said, what is the bump average on -- how big was the UiPath lease rent? I mean, how big are the rents? I don't know if you want to go to UiPath. I wouldn't talk about UiPath.

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