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
 
So, for instance, as we've been opening up our entertainment business, and now we're calling -- now we know that come May 14, we can actually put 2,200 people in the Ryman and 4,400 people in the Opry house, we've been calling some of the on-call folks that were laid off, and we've been having, I think, pretty good success. It's been a little bit more challenging in our hotel business, but I think that is a fair way to describe it, Patrick. Until this government unemployment benefit that is out there is curtailed, there's a lot of folks that like sitting at home, collecting their unemployment checks.

    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'm not -- I'm only good for one. They're like the day before the rest day -- the first week of Tour de France, the only sport I'm good for. I have no idea how many innings exist in any major sports if I'm honest. So, I would say early.
So, I will cut the humor. So, just to give you a sense of how the process actually works. So, you first have to educate the merchant base, then you have to onboard them, then you start activating them both for marketing, and just exposure to consumers, and then eventually start processing volume. And so, you can kind of think of it in these four stages.
The number we highlighted in both Michael's remark and mine is the tens of thousands of actives across our territories, but obviously, Shopify -- the question here, if you look at the onboarded, which is the stage before, that number is in the hundreds of thousands now. And so, we will start ramping the next stages of that process for the merchants, but it will take time. So, it's early, very happy with how it's going. Lots more to cover.

    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. This is Elad Hillman on for Mike. Thanks for taking my question. So first, I just wanted to maybe get a little bit more quantification around price/cost during 1Q and some of the lag impacts maybe in TruTeam and how you see kind of price/costs going through the rest of the year, specifically within TruTeam.

    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 listened to me in the commentary, I spoke about reserves. I also broke down this quarter's loss ratio margin improvement. And as you heard, it was a greater percentage of improvement for commercial P&C than there was for consumer lines within global P&C. And so, you are seeing margin improvement.
On the other hand, we are striving and will achieve an adequate risk-adjusted return, which says that we're pegging ourselves to achieve a result like that. We raised the bar and, in a market like this where we're growing exposure and there is more loss cost uncertainty as we look forward, COVID and non-COVID-related. We are properly building reserve margin. And at the same time, through growth and margin improvement and not a small amount, and our current accident year combined ratio that is world-class. We are delivering tremendous earnings. At the same time, we're building balance sheet strength, absolutely the right thing to do. And I hope that answers your question.
Then finally, don't be overly simplistic about it than you want. You got in average loss cost trend. That varies by category of business and line of business.
And we are also growing in areas that is to some degree changing our mix right now. Something else, that's proprietary I'm not going to go into. So that does have an impact as well to some degree.

    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. But we're comfortable with that 9.75% to 10%. As you know, over time we brought that down, it was 10% in the quarter, then it was 10% to 10% in a quarter, then it was 10% and it's 9.75% to 10%. So I think as we've matured as a company, as we've demonstrated good risk discipline in how we've grown the loan book and you can see we've come through the pandemic with a low level of credit losses. I think some of that quote unquote new guy little bit of conservatism we had coming off the IPO, we're starting to shed that and move back closer to where pure targets are. So for now we're above the 9.75% to 10%. So I don't see any real burning desire to change it. But over time, certainly the pack moves down a little bit. We have plenty of room versus our SCB target. And certainly I think the risk profile would permit 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
 
Yes. Elaine, would you like to address that question?

    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
 
So I'll take this one. The way we look at it is the supplier network is a module is going to become as we go forward a module of the commerce platform. As we said, we really want to go deep into verticals that matter for us. And within those verticals, we really want to triangulate supplier stores and consumers because there's a ton of value for everybody in the ecosystem.
So I think here, we've had an incredible reception from a lot of our suppliers. And actually, what we realized from this is they want to go faster than we can go today. So we need to invest a lot in those capabilities to go faster. But here, as we go forward, this integration and this visibility we get for suppliers to see what is the real sell-through at the store level and vice versa, the ability we get the stores to order directly from suppliers and see inventory levels of suppliers, we think it's key to the success in the verticals where we operate.
So there's a lot as we go forward there that we're going to be investing.

    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 mean, that's definitely our goals internally with ex-PPP up at $312 million base. Bond yields seem to have stabilized, and you have a mix with a lot of our portfolio that impacted so much of it last year with higher premium paper that was refi and taken the hedge fund. But I do definitely expect to see continued drop in our customer spend and deposits. Again, I said it's 35 bids for the month of December. So you can do the math on what that can look like in Q1.
So near-term, we expect to be around this level. And then beyond, say, the next quarter or two, which will include some -- on top of that level some PPP fee acceleration along with continued accretion for not only round one but also round two. Beyond that, we're very much looking forward to seeing a continued organic loan growth, pressure on loan-to-deposit ratio, touch PPP back up into the 90% range to help stabilize and grow that margin ideally over 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
 
I think we'll stay in that 1.8%, 1.9% range. Rob. I mean we've been pretty consistently under 2%. But I think we're pretty tight in that range.

    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. 

    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
 
Pricing has changed for sure and one has to offer something competitive. But people do business with more than just a flat out the highest price. There are many other elements that go into it. And as you see how we're able to leverage what we've done with Bally's through a variety of transactions we did something for them. They did something for us. And that's kind of the way it works.

    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
 
John, what we've articulated is we're really bullish on our EBIT margin expanding that we will move that needle. I do not believe that, that growth will come primarily from product margin expansion. It's going to come from continued disciplined expense optimization by taking structural costs out and investing in capabilities that drive the top line. So why the EBIT margin grows is, a, the top line will be accelerating; b, we'll be taking structural costs out of the business. And those two levers in combination is what expands the EBIT margin. But sales growth and cost reductions, not for margin rate growth. Aaron, I'll toss to you for any additional comments.

    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, guys. I appreciate taking the questions. Just want to kind of talk about the commercialization phase that you talked about. And if you could kind of give us an idea of what that looks like, and maybe how it differs from customer to customer as you move into more engagements? And then how do you think that we should think about the revenue side of that as you move through the commercialization phase and beyond?

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah, that's a great question, Jay. So, I think some of them are pretty obvious. I think if you look at retail in general, obviously, not much growth there, not a whole lot of store retrofits, that kind of thing. The hospitality space was decimated by the lock-downs. So, really, nothing happened there either. Some of the Commercial office environment has been very, very slow. They were impacted. So those are the -- those would be three areas that I would specifically say 2020 was bad. And the retail space will definitely take longer. So, we've de-emphasized a lot of those products and services, and by focusing more on the areas where there is solid growth and a good sustainable future. That's where we're focusing our efforts. If the other stuff comes back, that's great. We can make ourselves available to serve that market, but for right now we are focusing on what's real and what's in front of 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
 
No, I appreciate the question on the utility market because as we've said before, this is a very different market segment in terms of what it represents for Eaton and what it represents for growth than it has historically, and historically, a market that's really been kind of a very low single-digit growth market. We think as we look into the future for the utility market, we think it becomes one of the faster-growing segments inside of the company. So maybe that growth is mid-single digits in the near term.
And as you think about some of the big investments that have to go into energy transition first, which is obviously a really big one, and then that obviously involves things like grid hardening and grid resiliency due to climate change and some of the weather-related events that we've seen. And so we like the utility market, and we think that, that market will certainly be a growth market into the future. I will say that we've not yet seen, once again, these big inflection points that we would expect to see in the utility market. We think most of that growth is still out in front of us.
Those markets, as you know, they tend to move more slowly. We have, over the last number of years, seen more investments going into the distribution side of utility, which certainly plays to our strength. But the bigger plays that we think around grid hardening, grid resilience, energy transition, the things that utilities are going to have to make fairly sizable investments in, we think most of that growth is still out in front of us.

    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 mean there is supply Linda but the environment as we pointed out early on and I think everyone is starting to finally wake up to is that the environment is very competitive. You've seen a ton of institutional investor interest in retail, open-air retail really come about in the last few months, which is obviously compressed cap rates across the spectrum. And I think maybe public investors thought that was limited to the grocery anchored sector, but it is absolutely not. We are actively engaged in the market and looking at lots of things, and as I mentioned early on, I mean you really can't -- the idea of being able to buy a high quality retail asset, you know, kind of north of 6 or anywhere what I think people were thinking before is extremely hard to do and very situational, whereas the regular way transactions are basically in the 5s and high 4s for specific assets. So it's a challenge. And that's again why we love the fact that we have so many different opportunities in front of us right now with our own portfolio and also as we look to redeploy capital down the road.

    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 really think that there could be. I mean, it looks as if there's a change in secular demand. Hopefully, that's one that spans the test of time. But I know right now, there's a great demand for our network resources, and we're very focused on utilizing those in the best possible way. And we're seeing this growth in e-commerce. I think the digital adoption by consumers and businesses over the last -- really, even in the last year is pretty exciting. And then, I think the growth that's coming from the industrial side is also something to take note of as well. But sometimes it just boils down to who's able to be the most reliable. And I think our model with our low turnover in a relative sense in terms of drivers and the consistency and availability of our resources to serve customers is something that's going to continue to be very important, as we go through the next several years.

    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
 
Hey Craig.

    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. Eric, congratulations on your first solo quarter. Good luck.

    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, thanks for that follow-up, Richard. I mean in short, we're really excited to see that we can grow across sizes, industries and geographies. As we noted, we've grown in everything from manufacturing to tech to schools to professional services, biotech, med tech, financial services, nonprofit, real estate, and some of these are growing companies and smaller companies. We're also continue to grow in our consumer enrollment. And I think to your question, I think as we continue to expand into 17 markets this year and along with our One Medical Now digital health everywhere services, we start becoming more and more interesting and attractive to multi-market employers and consumers. So we actually feel very positive about the range in quarters and enterprises and consumers we can serve, and increasingly within more markets and then those that span multiple markets.

    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 it's a check for each one of the things you listed there, but the number one reason why we're doing is to drive more growth. And it's just a natural evolution of the transformation of the sales force I started a number of years ago. And it really points to the fact that we have this broad-based portfolio that's selling into the same customer base. And why have two separate sales forces and have to go do the coordination between across sales forces, and then the big push that we made over the last several years in terms of digital, this allow us, I believe, to even go faster on realizing our digital ambitions. And then you've got the voice of the customer will be right in the CEO staff and [Indecipherable], the Head of the service delivery organization.
So, everything relative to the customer facing that we do in this company will be under one leader. We just think it's going to find ways to accelerate our growth, increase our customer satisfaction. And I think as we push more and more of our business because customers want to buy that way through digital, it will have a natural knock-on effect of efficiency gains in the P&L.

    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. Thank you. Just looking at your quarterly leasing summary the Kraft Heinz lease kind of stuck out at me. I know it was renewed last year, but then it got extended again here in Q1. Just wanted to hear any details you have.

    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
 
Just to clarify something you said before, which you didn't -- you had mentioned our 2020 progression of ROS. When I was talking to $6 million to $6.5 million, that excluded equity income. So I don't know if that was in your calculation, but that is an improvement. We haven't seen that level of margin even with those adjustments I put forward in any of the quarters in 2020. So this is, even after making those adjustments, would be an improvement over what we've seen.

    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 don't think that the amount of the drag increases in the fourth quarter relative to the third quarter, but that's right.

    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. Thanks Ken.

    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
 
Thanks, Oliver.

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