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
 
Hi. Good afternoon. Dash, maybe I want to start with choice. One of the slides from the Investor Day a month ago that that I thought was, was interesting was how underserved the 660 to 720 FICO bracket is versus the amount of volume that was done in that in that FICO range, even just five years ago. Can you talk about what you're looking at to get more up, take there an opportunity that's ahead with that 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
 
If you just talk to normal operating activities, I would say, pain managements is running, we're running between, what $25 million and $30 million an expense per quarter, monitoring even though we're making a significant investment in it, is still, probably 10% to 15% of that. So it's still by far, a small piece of the pie but it's, it's definitely grown this year. Last year we were probably close to a million. This year, we're probably between $2 million and $2.5 million if you look at the full year and next year is probably, another $1 million and $1.5 million on top of that. So there's definitely, with all the activities that Thomas and Don talked about, there's definitely some P&L expenses sitting there. So but that's -- it's always in the plan.

    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, good morning. Given the 747% RBC ratio at RiverSource that right now following the fixed annuity deal, do you plan to take higher than normal dividends up to the holding company this year and work that back down to a more typical level.

    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'll just start with that, and I think Tom can answer that. I think what we'd say is, teams -- as we talked about in the comments, teams worked very hard to get the vast majority of those units online quickly. And I'd say, as we get through the end of April, we have a very few left, only a handful of units that are down.
So overall, as you've seen, what I talked about in my comments, the impact, you've seen the majority of that impact in the first quarter already, John. A little bit will trail, but most of that has been handled. Maybe Tom, you might?

    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. Both of those deals are -- not going to move the needle much on capital ratios, a couple of basis points here, but not -- just not going to move the needle. One of them is a little bit accretive to tangible book, and one of them is a little bit dilutive. So in total, there is just not enough movement on the capital ratios out of the deals to get excited about.
From a buyback perspective, let me remind you about how our buyback program work throughout, I guess going back into 2019. So through 2019 and into 2020 -- the first quarter of 2020, we had a 10b5-1 program set up, it was on autopilot and it was driven off a matrix driven on the valuations in the market. Now where we're sitting today since the market has popped up so high that matrix would not be executing today, but should the market move around, we're prepared to be back in the market and doing just like we did before.
So we're ready, willing and able to deploy capital. We want to make sure that our buyback program is in place and operating, and we've got capacity to do that. Clearly the best use of our funds, we believe, is to continue to find merger partners where we can enhance our profitability.

    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 think we all agree that moving a car faster is good for both asset utilization and our customers, so that is really kind of a happy medium with solving all of those issues. We measure our local delivery processes, our in-transit processes as well, but ultimately if any of those break down, you're going to see that car velocity, so that's why we're focusing on that. We have quite a bit of focus in general on serving our customers well, and Alan and I talk about that quite a bit and make sure we are aligned on that topic.

    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, Karru.

    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 think as it relates to COVID-specific, I think it's more about magnitude than quantity of count.

    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, Bill. This is John again. We're seeing consistent growth in the two areas, between the home and consumer -- home and life and industrial and commercial, and part of our part of our strategy here in the upside performance with the supply limitations is to be fair and really treat customers well in this scenario. We have a long tail of smaller customers. So we need to be mindful of, as we allocate scarce capacity and that's something that we're also doing as we also deliver upside with larger customers. So we have to be mindful of those things. And as far as the forward reporting, we're working through that and we'll have more to report later on exactly how we're going to break that out going forward starting up around the next call.

    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 in terms of potency, it's many, many times more potent, 500 or so more times -- times more potent than rivipansel with respect to the target of E-selectin. Therefore, we're able to dose at much lower doses than we're able to dose with rivipansel. And that's why we've been able to dose subcutaneously in those models. So it's the increase in potency that leads to the potential for subcu availability. And the molecule is also very soluble. So that's also been helpful in looking at the subcutaneous dosing so far in the animal models. There's not been direct head-to-head comparison in the same models of rivipansel with 1687, but we book these models are certainly comparable in terms of looking at the ability to effect -- to at least as well as preclinical models can to predict the impact on VOC in humans.

    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. 15% tonnage, Tom, that's -- that's pretty steep. I'm not sure I recall those days, maybe my memory's been slipping [Phonetics]. We had eight to 15 in 2018. But anyway, that's [Speech Overlap] we will see it, obviously, in the second quarter when we were so far back in 2020, but I'm not sure that once we get back to normal type comparisons, we're going to see that kind of growth. That's probably a stretch.

    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
 
Because we haven't taken -- because we haven't taken a regulatory asset against the $375 million, that has already been part of our overall cost of the events of 2017 and 2018.

    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, Andrew. When we announced earlier this week the creation of the Chief Customer Officer job, it was with the idea that as we are introducing more service channels, we have an opportunity to design in such a way that it feels like these things all happen at the same time as opposed to, in reality, how they happened, which was kind of one came after the other. So Manu's charter is about making this so that the customer feels that this is a completely seamless experience in the restaurant. I think the point that you're raising about Apprente is related to it, but it's not central to it. I think we announced, maybe it was about a month or two ago, that we were seeing good progress with Apprente. It's in 10 restaurants. But that is going to be a significant effort that takes us a number of years before we're able to deploy that in the U.S. So I wouldn't read or interpret anything around Manu's announcement as related to accelerating Apprente. There is still a lot of heavy lifting associated with getting Apprente ready for deployment across the U.S. and eventually the globe.

    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 know, it's always something we think and talk a lot about. We certainly, I think with the current administration, will be more focused and probably we'd see enforcement activity expanding, which often translates into more cleanups. The timing of that can be sometimes hard to predict. But we're also seeing some strong headwinds on the PFAS side of the world, where you have -- under the 2020 NDAA, where the EPA was tasked with putting out guidance on disposal of PFAS.
And certainly, you look at that, they talk about some of the most proven technologies, if you will, be deep well, permitted subtitle C facilities, all assets that we have. So we certainly think and expect our customers to start getting more proactive on that side. Kind of in advance of what the EPA is trying to do. So short answer is, yes, I think you're going to see some headwinds there, though it can be sometimes difficult to predict, and sometimes it takes some time to change the regulations.
But certainly, we see that as a positive.

    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, everyone. I wanted to just ask a bit about the mid-continent. I just wanted to hear what you're seeing in terms of producers plans there.
Do you think there's a possibility that mid-con volumes could be flat in 2022? Do you think there's been enough uptake and drilling activity? 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
 
Yes. That's definitely fair. D.C. for several years has been the -- I guess you said the weakest of our three markets, and it's primarily because of the influx of high-quality new trophy supply. The reason even pre coded and we think now will hold our own there because again, we have some pretty unique buildings there. Market Square is its location, its reputation for being one of the main most attractive homes for government affairs, it does quite well. And we do think some enhancements to some of the common areas and mines are in order. We've put a beautiful rooftop in place. But we think there's opportunity on the ground floor retail and some conference space to really enhance it even further. So we think we'll do OK there. But -- and then 80 M Street, where we're doing overbuild, that is really getting a lot of market attention and interest from some strong tenant prospects. So we're fortunate to have some really unique property there. But I agree with your other company's sentiment that it's not the strongest office market right now in terms of the broad fundamentals.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes, we can hear you. I think there's a little bit of interference on the line. Sorry.

    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. Look, I would say we do our best to share what we know right now. I think as we called out when we gave the guidance, we continue to have supply chain challenges. And of course, there's questions about what will the world look like as we get all of the vaccines rolled out and stuff like that.
We continue to be pretty confident in our ability to manage through those supply chain challenges and in our ability to maintain a really relevant and wonderful product for people in their homes. Even as vaccines potentially roll out, I think we know that the world isn't going back to normal overnight. It doesn't look like work is necessarily going to go back to normal. So I think some of these trends of people staying in their homes, consuming content in their homes, continuing to watch movies at home rather than in movie theaters is really here to stay, which is why you see us carrying more than just the beat from Q1 through to the quarter, even with all of that going on.
So that's really what we're looking at when we look out at the rest of the year. In terms of seasonality, nothing to call out for the rest of the year. Really, we're not providing any kind of quarterly guidance other than sort of the color around when we expect to be back in stock on some of our products.

    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
 
Very well, 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
 
Hey, Ryan, it's John. I'll take that one. It's a good question. You're right that it is a fulsome PMPM given the suite of services and the scope of what we'll be doing for that plan.
We're excited about the partnership in that way. And it's very helpful for us as we're thinking about setting up next year. Obviously, still pretty early in the year here, but based on where we are today, we continue to feel quite good about that mid-teens range.

    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
 
Hi. Thanks for the question. On the Discovery & Analytical very strong growth, could you talk about what were the technologies, I would assume that applied due to petrochemical must be strong, but color there would be great.

    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 we're still early days in the fourth quarter, obviously, only through about 20 days of October, what I'd say is what we're seeing on originations is looks very, very similar to what we saw on the third quarter. When I say that, let me be more specific, just relative to 2019 levels. Obviously, you pointed out there's a little bit of seasonality in our business. So, I was -- we always look at things at this point gets normal '19 levels and we're sort of in the same ballpark of where we were growth wise in the third quarter.

    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
 
Hi. Good morning, everyone. Thanks for taking my question. I wanted to focus on the Lottery and just get some incremental impressions for -- from two perspectives. Number one, there's a fair amount of discussion around iLotteries. And if you could talk about your views on it your positioning within it, etc., etc. And the other is that we have a lot of debate around lotteries globally and the degree to which there are other public entities that trade in a completely different context than you do. And I'd just love to hear your impressions about your positioning globally within lottery. And we don't want to necessarily talk about how other companies trade in valuations, etc., but give us the tools to make a detailed evaluation about that ourselves? 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
 
You bet, Bret. Thanks for the questions.

    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 are not going to manufacture something locally yet in Brazil unless the demand builds up to a significant number. So for now we would still manufacture remote, meaning not in Brazil. And first, we will start off with solar. Marco Krapels, whom we hired in order to enter in Brazil, he is the GM of that business.
He believes that there is a substantial differentiation with IQ 8 entering into Brazil. Of course, in the short term, we are going to be supply constrained, but we are talking about long term here. So first, I would start with solar and then I would add on storage to that market. Yes, basically.
Raghu, do you want to say anything?

    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, thats a really interesting question because the answer is always, well, it depends. When we create the kind of relationships that we must create, its a win-win situation. So we like to play in the differentiated market. And were clearly the leader in advanced high strength steel with our non-oxidized, wet flash cooling, what wed say arguably, the best finishing lines in the world, certainly the largest that we share with Kobe at PRO-TEC. So were really excited about what that capability is. So we feel extraordinarily good about continue to develop that capability.

    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. Mikael, you want to take first this question. You didn't speak about the -- I think it was C. difficile that you referred 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
 
Hello, Brian.

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