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
 
It's some of that, Jason, but it's not all banked on that. So it's also just in anticipation of volume rebounding from the pandemic. So I think Eric had a question too on that. But we all know there's varying stuff's going on. But frankly, we're not seeing anything like that right now impacting our volumes. So we still are anticipating that we're going to gradually recover. And so as we put on more fuel volume and we grow volumes, that really also is a driver to our margin per gallon. Along with the RINs that's helpful. But the LCFS has been -- is lower than when we started the year, right? So that hasn't necessarily been off the charts. It's still strong, and by no means, not good, but that's kind of off the RINs picked up. So there's always a little bit of this and that goes on, but then the fuel --

    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, Brian, I just want to -- I'll answer that one. We're not leaving the Midwest. Okay. So we're not leaving the Midwest. We're complementing and bringing the Enterprise way to good markets with good companies and we have done it organically in Phoenix. Certainly, we did it well in Northern New Mexico. Seacoast obviously is a specialized side of things. But as we look at good companies, first would be the priority. And then obviously there is a trajectory to the South, Southwest, just because, as Scott has pointed out in his comments, there is just more positive business growth in those markets and our model has been accepted very well that way. So we're confident about our ability to perform there, but I just -- we're not leaving the Midwest. The Midwest is still very strong anchor to our business and will continue to be.

    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
 
Listen, everybody is very, very busy right now. I would say supply chain issues aside. North America, labor is very tight. I mean, you read about that debt as a fact. So a lot of our customers are doing what we're doing, just really using Kaizen, automation where appropriate, etc. But I don't look, every time there's a ramp, there's a little bit of a bullwhip effect, but this is no different than anything I've seen in the past. It's just people trying to manage the increase in demand.

    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. Lauren, the 2020 [Phonetic] outlook definitely reflects our confidence in our ability to sustain healthy brand performance, but we do expect to have a net drag due to the COVID overlap or the COVID affected demand overlap from 2020. So that 1% to 2% organic, it's in lower half of our range, but it does reflect healthy underlying performance in both Personal Care and Consumer Tissue, Personal Care being up, as I mentioned, about 5% organic in the fourth quarter, and then we believe toward the second half an improvement in K-C Professional.
The drag in Consumer Tissue, the way we're looking at that business and we're tracking, we think there is a pretty good correlation with mobility data. We do expect the current environment in developed markets to look similar to what it is right now through the first half, and then for people to gradually begin returning to work in the second half. And so that's what we factored in. We know there will be a cycle, and in our plans right now but certainly a part of it will be -- that will be -- will be lapping some big stock of activity that occurred toward the end of the first quarter of last year and throughout the second quarter of last year. We know we'll be cycling that, but we do still expect at-home consumption to be somewhat more elevated than -- certainly than 2019, and -- down from 2020, but still certainly a lot more elevated. And then we feel like we have strong momentum in our Personal Care business globally. And as you go across markets, we saw robust growth and share growth against most of our personal care businesses across markets.

    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
 
Well, thank you, John. First of all, there seems very focused and we're excited with the results that we had together with the Caliber team. I think we've got a great relationship with energy overall, including Shellpoint and, with any large servicers that are out there, we're in constant contact with them. And so, we believe that our MSP platform is the right solution for the market. And we continue to demonstrate it through lots of innovation and integration that we bring to it. And so, as you'd imagine, we are in pursuit of them and other large services, not on the platform today.

    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
 
In terms of the EBITDA trends, we don't provide a guidance or forecast on EBITDA. I -- I think that maybe the previous question answer -- my answer to the previous question, to touch upon that, is a, we look at efficiency of investments. And b, we look at each market and timing based on the -- what's the natural pace of growth and how we can invest in that growth with -- with efficiency. And three, there could be optimistic events that could drive EBITDA fluctuations over a period of time.
But most importantly, I think, suffice it to say is that we can break even if we choose to at this point, even at this take rate. And our Taiwan take rate is not -- for example, that's a first the market where we focus even and we have achieved a very healthy EBITDA margins there as we've previously disclosed before. And the take rate in Taiwan is not the highest even among our existing markets. So, it's not -- to say that, you know, we have to drive to a very high tax rate to be able to break even.
Our investment in growth is really by choice and -- and according to the pace that we think is suitable for each market. So, we're in a very good position right now where our destiny is in our own hands and then we can control the pace of investments and allocation of each market in a highly dynamic and elastic way to drive efficient growth. In terms of the take rate, our take rate has actually increased quarter on quarter. That doesn't decline.
Happy to elaborate further offline but if you look at our past disclosure, there's increase in the take rate quarter on quarter.

    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
 
Michael, I can say that because we're not going to get out that far is that all of our geographies and all of our different product segments are seeing gross margin expansion today. And that is with contingencies we put in place to cover certain level of cost increases or uncertainties that are out in the market. I'm not going to predict as far as you talked about how that gross margin compares to industry historic highs. I can't even predict how it compares to today except what I just said, all geographies, all product types are seeing gross margin expansion on the next homes sold at this moment in 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
 
Such a -- it's a good question. And I'll tell you, one of the things I've always challenged our team with, Stephanie, over the years was, if you were the largest IDN in the country, what are the services and capabilities that you would never probably invest in?
And hence, it's the way that we've continued to diversify our capability, right? It's that continual investment in the technology, the technology platforms, our investment in IDS, our investment in really automating the point of order, extending pricing to non-acute facilities and those kinds of capabilities.
It's our focus on direct sourcing and the partnerships that we're creating for generic drugs and gloves and masks and isolation gowns. But it's this focus on doing things at a scale that an IDN would be very -- it'd be a stretch for an IDN to actually accomplish.

    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
 
Dave Ruud do you want to take 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
 
Erik, Thank you for the question. I think that should be -- that's directed to Todd and perhaps Jonathan.

    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, when the pandemic initially started, we rolled out BOP in a few states, and we kind of took a pause to reassess not whether we're going to go in but just reassess sort of what states we want to do audit, our computer system, etc. And we are now rolling out very quickly in many, many states. We're very excited about it. Remember, when we think about small business, we think about employees of 20 or less, almost micro-businesses.
That is growing very rapidly, albeit on a very small base. But we're excited about what we're learning. We feel good about where we're at from a rate perspective. So we -- and Karen can talk about this more in August.
I'm going to have her come because I know there's a lot of questions on commercial, and I'll have her outline where we're at on all the BMTs and especially BOP and small business and fleet. But no, we're very excited to continue to roll that out aggressively. 

    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. So Doug, you mentioned the subsea performance in the first quarter was strong, and it sounded like there was some manufacturing throughput that helped there. And certainly, as we progress from here, I would suspect that that stays at a similar level or improves, and then you get a seasonal recovery in services.
So just based on that understanding, I would think that your margins would be biased higher in the second and third quarter from where you were in the first. Just curious if you have any commentary around 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
 
Thanks for taking my question. I'd be interested in your perspective on what you all think about hedging at this point in time. I know the curve is very backward dated. It doesn't look like you've done a lot of incremental stuff, if any at all, on oil, but it does seem like you did make mention that you put some gas hedges on into 2022.

    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
 
Now, we're seeing very positive results in the Industrial segment and might have seen a reason why those won't continue. I know a year ago, they were probably one of our more impacted areas as a result of the lockdown. So we're optimistic that as long as things stay open and running that they will be able to outperform.

    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, it's about $2 million of rent that was deferred for January and February, but then I'll go back to cash since they've reopened their property and that $2 million, we expect to collect during 2020 when we close on the transaction.

    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. It impacted about 300 of our folks, most of which we've redeployed on to other programs in our portfolio. But as we also indicated, we expect that it will continue to grow over time. With regard to the divestiture, that was about 120 people tied in our army account.

    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 sorry. I was on mute there. Excuse me. As you know, the situation is active.
As I'm sure you can appreciate, I can't really say much more than that. The Board continues to believe this is without merit, and we're in early stages of this process. And again, I'm sure you can appreciate, I can't really say much more than 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. Maybe just on the services front. How are you thinking about bringing some of those back? You mentioned kind of the modified services in certain hotels and markets. And what if any customer pushback have you seen or heard?

    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. I know Rob is on the phone and is always eager to talk about all the great things that is happening in Worcester. So maybe, Rob, if you want to share 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
 
Well, whenever you see one of your colleagues who is involved in similar areas that you are get acquired and at a very nice premium, I don't think that it makes any of us feel anything but good, right? I mean, that's just a shareholder, a broad shareholder perspective, and one that I'd -- be hard for anybody to argue against. I think that it's an interesting deal. We won't go into how we view various elements of the deal itself, but I will say that it was a healthy price. It was still a relatively early asset, and I'd just say more opportunities will come the way for patients to get better therapy as more resources are put into any of these drugs.
So good for them and good for the business, and most of all, good for patients.

    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
 
Great. Thanks for the question, Elizabeth, and everybody else. That's all the time we have today. Thank you all for joining us and have a good day.

    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 if you look at the gross margin, it's a fact therein that the lower gross margin quarter -- there's a couple of other things that, obviously, in Q1 last year, we had record production in our largest facility and minimal impact from the pandemic. When you look at gross margin, we had some, obviously, some unfavorable absorption impact because we weren't producing for that period of time. So, that's probably where you see a little bit. It wasn't material in any sense, but it was a headwind to our gross margin for the quarter. Got it. Thanks a lot, guys. Really appreciate the 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
 
Do you want to take it, Pato?

    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. Sure, Tim. I mean, I think certainly from a liquidity position, we feel really good. If you look at the different forms of liquidity, we've got the revolver, obviously, a key to us sort of managing cash on the balance sheet. As I mentioned, we've got this new facility that we put in place. We closed on the CLO so, as assets pay off of that we'll have capacity to refinance there. So we feel really well positioned.
Additionally, we also quoted in the supplemental, we have $374 million of unencumbered assets that are sitting on the balance sheet. Those are assets that we could pledge to facilities and borrow additional capital against that. So, we feel well-positioned to manage the pipeline, which as Matt indicated is pretty robust at $1.1 billion and we think the opportunity set behind that is also pretty great. So I think we feel really good to be able to fund the commitments that we've got and also capitalize on opportunities that may come up.

    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, I would say that we will have increased costs associated with that. But the run rate and the build-out was reflected in our January outlook. And so none of that really came through there that as you think about what the change in our outlook was and just using the midpoint of those guidance ranges that total revenues are up $160 million from what we would have shown before. Expenses are up $80 million.
And so efficiency ratio of about 50% on that revenue growth, and that really relates to the growth coming from higher expected capital markets-related revenues and higher consumer mortgage revenues, which both have a strong variable expense component to it.

    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
 
That's right. 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
 
Yeah. Thank you. I'm going to go back to you again Red. Just on the pace of completion, obviously, there's a critical point to get the project done by second half of next year. Just easy numbers, you have to achieve about 3% to 3.5% completion rate per month from August on, is that sound about right? And I guess what was the number for Q2?

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