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
 
Yeah. I think as we look at it and if look in the appendix, you'll see the COVID-modified loan portfolio. So we got about $76 million of deferred loans. We're actively monitoring the portfolio. I think we've consistently said, we expect charge-offs to be a little higher than second half year of the year than they are in the first half and that kind of bears its way here into the outlook.
And I think the other portion that's always out there is what's the economic outlook coming up, owing to [Phonetic] going bear in subsequent quarters. So from our perspective, again, we've got a lot of monitoring going on across the portfolio while there's been, as Jeremy mentioned and I tried to mention in my comments, I'd say substantive improvements across a lot of industries and a lot of dimensions in the portfolio.
We still got certain credits that we're monitoring very, very closely, principally those business-centric hotels in the short run. So that's what's leading to that outlook and we've got a recapture so far of about $34 million. But again, I think it continue to be our perspective that we'll have higher charge-offs in the second half.

    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 had that issue a while back, and we have been diligently working on that and closely aligned with our supplier in managing the supply assurance. So we haven't seen any problem right now. No.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Hey, guys. You have Mike Cikos on the line here for Alex Henderson. Could you comment on the security growth you're experiencing? I'm just trying to, I guess, think about this demand and the increased expectations you guys have now. Is any of this at all related to, I guess, budget finally coming to market following the headlines that we saw earlier in the year around SolarWinds and the Microsoft Exchange Server hack? And then the second comment on that would be the improved outlook that you have for security.
Is it also expected to be broad-based on a go-forward basis?

    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 have an estimator that deals with replacement costs. And we now, on a state-by-state basis, are going back, resetting that, building that into our pricing going forward. So the book does work 60, 90 days in advance, but we have been working on those discussions since earlier part of the summer as these spikes were not going to go away. So yes, we are moving insured to value adjustments across our homeowners base of policies.

    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
 
No, I would say not, Wamsi. I mean, no signs of that. And I think largely because we're going to continue to remain hybrid, when people come back to the offices, it's going to be a mix. And so, I would say that business for us has trended to be in that 20% to 25% range overall. So I don't see any significant changes for us as people come back to work here.

    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. I think, in terms of progress, Chris, I would say I think GLOP has been making quite a lot of progress over the last couple of years as it's been deleveraging, bringing down its costs, putting itself into a position where it can be competitive in what we see as an interesting spot market going forward. And I think the strategic review was pretty complete. We took -- the Board worked with independent company, advisors to look at that, and determined that, given the nature of the fleet and the structure of the business, that actually -- there was a very good future for GasLog Partners as a stand-alone entity, taking advantage of what we think in the longer run will be a stronger market for the spot fleet.
Slightly different. In a sense, the two companies have changed positioning, a lot more fixed rate business in GasLog Limited and more open exposure, but a lot less debt, etc., in GasLog Partners. So, as I talked about earlier, we've seen those two companies sort of diverging. We don't think that the right thing to do right now with GasLog Partners is to take it out of the capital markets.

    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, we got a little bit less asset-sensitive because we deployed some liquidity in the fourth quarter and in the first quarter. And so now, that's in the baseline. And when rates shock up, you obviously -- you're not deploying that liquidity at a higher rate anymore.
So it kind of moved from the sensitivity into the baseline. Do you see what I'm saying?

    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 the question. So just maybe a little bit of an extension of that visit mix shift to -- in AMG and specialty. I'm just curious, how sustainable do you think that is? I mean if your kind of institutional partners are kind of shifting more of their visits to urgent care.
Or do you think, over time, they're also going to be moving the specialty care, given that revenue shift. And does that put your AMG profile and mix there -- at risk there? And maybe my second question is just around the investments, Keith, next year, it looks like you're guiding above consensus on a sales level, but you're also kind of investing a little bit more. Is that entirely R&D with Converge that's just pulled forward out of future years? Or should we think of this as the new normal in terms of the incremental spend going through the model in the out years? 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. We -- I think the way I would look at it is -- I mean, of course, it depends on how quickly the markets will recover. But we -- when we do our strategic planning, we're sort of thinking of this thing as the market piece we can't really control, and we've got all kinds of models as to how these businesses come out of these cycles. We're challenging ourselves to pickup share gain. So while -- we're focused on and happy to have the market rebounds, it's really the share gain that we're going after. I wouldn't -- it wouldn't surprise me if that's a 50-50 split depending on the timeframe we're talking about. That's what we're about, coming to work every day and do is pick up that share gain, and not just simply follow the markets up and follow the markets down, no. Obviously, it is cyclical business and the markets do move, so that's going to affect our numbers. But we can help dampen that effect by picking up share, making sure that we have a higher share regardless of what point in the cycle we're at.

    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
 
You're not from there, but on Smithburg, it's July 1.

    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, good afternoon. Thanks for taking the questions. So it looked like in the quarter, the PMR has cushion kind of an excess of requirements expanded a little bit in percentage terms. Would it be fair to interpret that maybe as an effort to kind of pre-empt this dynamic of delinquent own loans continue to age, they'll carry with them a little bit higher capital requirements and also maybe seeing a little bit of a smaller capital benefit from that FEMA haircut is a smaller percentage of loans in the future are going to be in forbearance plans.

    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, everyone, for joining us for this call, and we look forward to speaking to you in another three months when we think we'll have a little more clarity. Maybe the bowling ball will have turned a little more translucent. Thanks, everyone.

    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, Adam, maybe I just want to add a couple of things specifically on Pharma. Maybe moving away from the quantitative aspects of cold. And qualitatively, I think it's been a net positive really for the pharma business. I mean if you -- when we talked about the focus, it got its exposure to many new customers certainly in our injectable position that we weren't really selling to in the past. So it put us on the map, so to speak, with the new customer set. It's obviously led to our bullish outlook in investing in additional capacity expansions there. And then certainly, the acquisition that we just mentioned in China. And then I would also add on the Active Materials Solutions division, it allowed us to push our material science technology into new areas, right? I mean we -- while we thought we had a credible -- and we do have a credible solution to N95 decontamination in the end, there wasn't a need for that. But we're now starting to see our technology being used on test kits and things like that. And I think that's only going to continue as that in-home testing category increases, not just for COVID-19, but god forbid, any future pandemics and even flu in the past. So I would say that it's been a net qualitative positive in both pushing our innovation and technology as well as giving us access to new customers and increasing our bullish outlook on injectables in total.

    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, Tom. How are you doing?

    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, we can hear 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
 
Hey, Alex, it's Craig. Thanks for asking. Taking a step back, we think the opportunity within private wealth to introduce tailored democratize products really is massive, and we think we're incredibly well positioned now to review. We have three broad solutions that are on multiple platforms, as well as bespoke solutions that are tailored for individual platforms, and in total, we raised about $2 billion year-to-date. So, we're raising a couple of hundred million a month. So, we're pleased with our first steps here. We're just getting started as you know, and we're focused on ramping. So, I thought maybe it makes sense to touch on democratize parts. Initially, as it relates to, broadly to the ramping and the momentum that we have. Scott or Rob, do you want to add on?

    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 believe that's correct, 1,240 -- I'm sorry, 1200 points.

    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, it's solely on a going-forward basis.

    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. Congrats on the great quarter here. My first question was just around modeling sales. I just wanted to make sure I'm understanding some of this right. Really impressive sales growth over 30%. As we look at the trend in written orders and delivered same-store sales, these have typically been running up in the kind of 10% to 20% range and north of 20% the last few months, I think. Is the reason we were able to get to that 30% growth rate for total revenues just because March was turning into such an easy comparison when you had closed stores last year. Is that mathematically how that works?

    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, we did not add any real improvements at Core-Mark. I think we're wise not to right now, because it's so early and they've got transitions to go through. I'll just go back to what I said before that the culture fit is great, the amount of sales that we're currently working on is really good, that Eby Brown and the Core-Mark people have gelled great beyond what I would have expected. I think from a synergy standpoint that there is a greater commonality in job functions, in product offerings and how the business is run between Core-Mark and Eby than there was between Performance and Reinhart, particularly when you get to product. A lot of the synergies that we'll get from Reinhart are yet to come. We've done really little consolidation of product offerings. So I think we'll be able to do those things faster in the Core-Mark Eby world and they're moving pretty quick. But we're also really careful around lost people, because we need talent across the organization for some time. If you move too fast and you can mess up from the people standpoint.

    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, obviously, there were many levers to the CAD300 million cost saving. As I said, the last time, obviously, the team is very focused on making sure we are producing all the units that we can produce. But one of the big pillars of M25, the CAD300 million is also introducing products with better margins and, obviously, as you see our performance this quarter was very strong and some of that is driven by the engineering that we've done in our product and modularity approach. So I'm not worried about our ability to get to that CAD300 million, especially with -- we have again low levels of inventory and what we're learning on sales programs, there are some learnings that will stay with us even when the industry comes back to a more normal way of operating.

    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, Brian, this is Steve. Yeah, a couple of things I mention there. First and foremost, we're delighted with the results in the first quarter. We grew CCB by 20% as well as revenue and deliver size will beat EPS, and had record levels of free cash flow. In terms of demand, we did see, as Amit commented earlier, strengths across the board, both domestically and abroad, in a large market as well as the mid-market where we called out that that was an area about performance. We previously disclosed that the mid-market represents about 25% of our total sales, and as a reminder, we have a very compelling go-to market model where we have a product and assets that have brought adoption and use across the mid market as well as large and ubiquitous nature of message has created a cost-effective one ramp for us. In Q1, we saw some really good pull through in the mid-market from the flywheel effect of NASA's channel and MSP [Phonetic] also played a role and contributed. Sales cycles are more modest in the mid-market versus that in the large, and so some of the things that we're seeing here out of the gate in Q1 have boded well, not only for the mid-market, but we also think it's encouraging potentially for other larger deals down the road. So, pleased with the performance not only in the mid-but also large in Q1 and there are some really early signs that demand will potentially remain healthy throughout the year, which has given us the confidence to to raise our outlook for both CCB and revenue for the full year today.

    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
 
David, good morning. Hi, two questions there. One on sort of the integrated solutions model and the supply chain, the disruption on that and secondly maybe sort of setting out our stall is where we see this developing and I'll ask David, my colleague to take you through some thoughts on that as well, but maybe if I can just talk to you upfront about it.
David, with regard to supply chain disruption, it's not really an issue for us. We are, as you know, much more of a local business and we don't really have long supply chains, probably only in our coal or coke and maybe some of our bitumen, but they are all long-term planning for us and we're always ordering in advance.
So it's not a major issue for us at all in terms of supply chain and no extra complexity with regard to the integrated solutions model because that's more about how we take the base product and then add additional value and services and maybe to give some color around that in terms of what it is, we've tried to flesh it out this morning in the presentation but maybe ask David to talk about his thoughts in terms of currently what we do and also how that can roll forward in the coming years and provide further opportunity 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
 
Thanks, Meny. This is Phil. You're right that the driver of the injections that I commented on in May into Asia was market conditions, in particular, interest rates, reflecting the very sensitive local basis in Hong Kong, sensitive to interest rates. But also that -- one of the drivers there was equity markets as well. And I think it's fair to say that as the macroeconomic environment improves and if we do see a sustained improvement in interest rates, that does become a tailwind for remittances. And I would expect to get some of that capital back.

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