michelcarroll/llama2-earnings-stock-prediction-fine-tune huggingface dataset:
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. I think it's going to take some time, Ben, to get back to pre-COVID level. But certainly, with the morning daypart still under pressure, we're seeing -- while we're seeing better bakery and coffee sales than we were a year ago, we're not -- still not all the way back to where we were before. And then the same applies to the other dispensed beverages, fountain and frozen, while improving over prior year, still not all the way there.
And so that -- we're still working our way toward getting back to that margin rate. The other thing is that we have seen some inflation in some of the ingredients that we use in our prepared foods. So while we've been able to mitigate that to a certain extent through our cheese lock or through pricing, we have seen inflation in a lot of the other ingredients and toppings for our various food products, which has put a little pressure on those margins.

    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, maybe just piggybacking on the last question, if you could expand a little bit on the funding strategy for creditors, how you see that evolve from here? I think Osvaldo had already commented on that earlier this year. But I was just curious that given that creditors been growing even faster than expected. How do you see sort of of balance sheet versus on evolving in the different sources that you're using and maybe how you see it evolving into 2022? And yes, thank you for disclosing the fintech users, that's very helpful. I was curious, not sure if I'm thinking about this the right way.
But if you could talk about the intersection that you have between the 31.6 million fintech, active fintech uses and the overall MELI users -- or sorry, and the active buyers that you have, which I think were 37 or 38.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah. Thank you. Well, first, it starts with the ability of our discipline capital allocation and strategy, and the team's done a really nice job driving free cash flow improvement. As Duffy indicated in our opening comments, really done a great job, strengthening our balance sheet. So, now we believe we have the opportunity to look at inorganic growth. And our principal focus really is in and around our MP businesses. Specialized equipment markets, we have leadership positions in those markets, and it still remains a relatively fragmented in the segments that we compete within MP. And so, our initial focus is we're building. Our M&A pipeline is in and around our MP business and our lifecycle businesses. And we're building that pipeline, and we do believe that inorganic growth can now be part of our overall growth strategy for Terex. So, the team is working on that, and we're excited about the potential and the opportunities that we're seeing for M&A activities. But again, we'll be very disciplined in our approach to M&A, but we absolutely are looking at M&A opportunities for us going 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
 
Hi, thank you. Good morning. I think my question is for Kevin and Kevin. And I'm going to use annual numbers to explain what I'm looking at here, which is expected profit growth in Canada and Asia. So when I look at 2018 in Canada, 5% expected profit growth. That accelerated to 10% in 2019, and now 14% in 2020. When I look at Asia, the opposite trend it was at 17% in 2018, fell to 6% in 2019 and now below 4% in 2020.
So the question is, are these trends expected to continue in terms of growth of EPIF? What caused it? But more to the point, what I'm looking for really is a general view on expected profit growth for each of these business lines in 2021 and beyond? 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
 
So, let me make sure I'm being very clear. It is our all platform business, which is software, the associated systems. So remember, there's a hardware resource underneath both the access infrastructure and the premises, and the services that go along with it. So that business not just software business, the whole business has now made it over 50%. And obviously, once having made it over 50%, it's not going backwards. So, I won't speak of it again. Ryan, prior to you joining us, I had said at some point in time, we're going to go over the 50% in revenue, I thought it was meaningful to share when we get eclipsed that 50% in bookings. So that's the one ticket and we expect it to continue. Does that help?

    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 Robert. Robert, you just mentioned kind of no seasonality maybe looking through the pattern through the year as reopening shifts. Is there anything that we're going to talk about in the quarter that didn't meet that expectation? Is it just maybe the COVID shutdowns linger, or you don't see the demand return? Maybe is it the storage unwind of that 24 million barrels continues to pressure rates? Just want to see what the counter story could be that we could come back and talk about in the second 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, I'd have to get pull that back for you. I actually pulled the data have.

    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, again, I think we're doing -- I think we're doing a really good job. I think that the industry on a whole is clearly up, and that's despite, as I said, all of the supply chain being really under a lot of pressure in some absolutely horrible weather conditions across the continent in the middle of a pandemic.

    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 wouldn't necessarily quantify it. From that perspective. I would just assume if you're trying to look in terms of modeling that you've got this gradual sequential growth quarter-over-quarter because there is some -- the attrition that we talked about and some other that are underlying those assumptions. So...

    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. Thank you for taking my question. So, Pedro, on the e-commerce end, could you give us an update on your thoughts around the first-party business? You mentioned it was $200 million for the fourth quarter. How do you see that in the near or medium term? Any thoughts on that and also on the marketing spend for the year 2021 as things reopen? And Osvaldo, on fintech, I mean, you've clearly shown a meaningful acceleration in the credit business.
Maybe give us some color on what is driving your confidence in turning the taps on. And how do you plan to manage the credit risk as you grow this portfolio even higher than this? 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
 
All right. That's a good question, Jordan. I think the way I look at it is, there is always times where we think not to buy when the stock is performing well on its own. We are there to put a floor on the stock when the stock dips and that's, so hopefully I'll never have to use the 500,000 shares buyback, but should this stock dip to prices that we think are unrealistic in our minds, that's when we choose to do the buyback. We probably have been buying back for longer than anyone in the -- I'm sure, anyone in the industry and we certainly think we know what we're doing. When it comes to buyback, we don't just buy back to throw money out there, we buy -- we do it opportunistically and we do it on dips and we've historically done it that way.
One of the things that I think separates us from the rest of the industry, first of all, we consistently make money. Second of all, I think we are good stewards of that money. We don't -- we don't -- we do have our speculative project, which is a big one, one of the biggest and we hope to be huge in carbon capture. But we also watch our money -- our shareholders' money like our own money and we try to use it and not just -- just make announcements and throw money at different projects. We'd like to make sure that we're using it in a wise way and consistently we've done that, which has allowed us I think over the years to way outperform almost everyone in the industry.

    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. Bud I'll start and Boyd can certainly jump in. I think it's really when you look by division, I think that on the upholstery side, when you look at, I guess, a sequential of freight is a huge issue. Freight has been one that's been pressuring us, really starting last year and really gotten worse. On the upholstery side, we're not dealing with the same labor pressure as the mattress side. But freight certainly on the upholstery side has been a big factor. I think from mattress fabrics, its raw material prices. Those have been steadily increasing. Labor, obviously, is a big issue as we continue to try to hire folks and not only hire and keep them, keep them hired. But those are the -- it's various pressures, but when you kind of define it by division, those are the ones that kind of rise at the top.

    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, Steve. By the way, if you're in town and you want to chat, we're always 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
 
Yes. I mean I think we're just going to keep following the prices of the bonds and try to get below the make-whole if we can. If not, the make-whole is not too restrictive on something like our '24 as you get into late '22, but certainly not looking to take out anything past 2029.

    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 on the book-to-bill, we don't think that's relevant frankly as Mateo haven't disclosed that in a while, and we're not disclosing that anymore. On your first question, percent -- I think you asked percent of our revenue from consignment, is that right? I didn't quite...

    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. Thanks, Stephanie. And I'll start. The feedback has been overwhelmingly positive. I think customers appreciate the ability to take advantage of this committed capacity. They have assurances that their goods are going to get to where they need to be. In fact, if you reflect on some of our comments, not only are we entering into new agreements, but we're also extending existing agreements, which is indicative of their pleasure with the agreements and the fact that they're looking to renew.
And so we feel really good about it. It's also important to note, we're creating a new customer base here, too, with the likes of HP and others, where they typically had not committed to dedicated freighters. And we see that as a trend that's renewing and hopefully expanding over time.

    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
 
You say price cost or sales price?

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah, sure. So we're proud of what we accomplished in the first quarter in terms of reducing our advertising spend. We do expect advertising spend to increase in the second quarter through the fourth quarter, as we do see an opportunity for us to spend more and have higher revenue associated with it in the direct-to-consumer channel. So we are moving back toward that model versus what we started really in the second quarter of last year to reduce advertising expense to try and minimize our operating expenses with the impact of the COVID-19 pandemic. So I would expect that to increase going forward, but also to see a return of the revenue generation associated with that higher level of spend.

    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, current -- our current rate sheet has one year CDs at 12 basis points. Looking at five year CDs at 40 basis points, and you can interpolate the -- what's between that. There's not a lot of appetite at those levels, obviously, and certainly not a lot of appetite out further than that. But yes, we expect to continue to see those higher rate CDs roll off here and hopefully, continue to help support our lowering funding costs over the course of the year and some of that is a little bit front loaded, but it's -- there's still some of those time deposits to roll off, yes.

    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. You know, we are looking at up to another $300 million, but kind of based on where our liquidity lands that's kind of up to $300 million additional, but not over that.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah, well, I'm not going to get into slicing and dicing it by individual commodities, or products, or segments, and that sort of thing as it relates to price cost, but in terms of labor, that continues to be a challenge, as we talked about. And that's one of the things that we're working very hard to do as it relates to programs, whether white collar or blue collar. As it relates to safety in our factories and programs for different work engagements if you will, or different work methodologies as it relates to work from home or hybrid or come into the office sort of thing to appeal to as much of the labor as we can. And that includes in some cases some wage increases and wage inflation. So, yes, labor is an issue, and I think that's globally across industry. But we're also seeing 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
 
Great question. Yes. It's tough to give you a precise answer to how payments penetration will be a quarter to quarter as we go. We give a bit of color on we've been one quarter in Europe basically, now with our hospitality, 800 customers took it.
We got to now make sure they get transactional. We got to make sure we continue to attach all new customers in that region. We're now entering hospitality in Australia as well. So we're going to go through the similar exercise.
And we also integrated the payments platform, our payments platform with the Vend product as well, starting with the US customer base there. So all those things -- I mean, those are big chunky parts of our GTV and how our GTV builds up. Just the initial launches of these things, while we are -- we get smarter and better with every time we do it. They're going to be lumpy.
We're going to have growing pains, especially in new markets. But we did publish something last quarter about a 50% GTV penetration rate, and we still feel good about that, given how -- we have now got payments coverage across a much bigger part of our customer base.

    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. No, sure. I mean, look, as we've said, I mean our capital allocation hasn't really fundamentally changed. We do view ourselves as having a lot of growth opportunities in front of us. And I think you'll see us continue to do invest in those. I mean the investment strategy really will be a series of probably a number of smaller, more modest investments as opposed to something sort of larger just given the state of the M&A market and also the opportunities that are in front of us, right? So you'll see us invest, but it's not mutually exclusive, right? I mean this is a great quarter. And as an example, we invested, we also paid down or reduced debt and we bought back shares, right? So we're going to remain flexible. I think it is important for you to realize, though, that we are going to buy back shares when we think we have an opportunity to buy our shares at what we consider to be a value or a good price. But we think we can sort of do all three as the opportunities present themselves.

    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
 
Sure. Let me address that broadly and then Rusty can address it in some detail. But all of our businesses, parti --  particularly our consumer businesses, are seasonal. And I think if you look year over year, we're continuing to see significant market margin expansion.
But obviously from one subsequent quarter to the next as we get into our fourth quarter and first quarter, which are absolutely are seasonal highs, in our second quarter and third quarter are meaningfully less than revenues and -- and there's a fixed level of expense, so that's what's driving the margin differential quarter -- quarters over subsequent quarter. But we -- we've continued to experience significant year-over-year margin improvement and we didn't -- we would expect that to continue. And I think Rusty could add a little more detail to that.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thank you. I apologize if this has been asked already. I joined a little bit late. On the M&A side, I guess, a slightly different aspect of what's going on in the industry is just the catalog acquisitions.
And part of that seems to be a function of where rates are. But is there an opportunity for you guys to potentially look at monetizing that to drive a higher multiple because today, you don't seem to get the credit for that side of the business compared to what some of these transactions are doing in the marketplace. So is there an opportunity for you guys to think about that business slightly differently? Thanks.

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