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. Certainly, I think it changes it to a degree, because on the portfolio program, you know, we are sharing the risk on the loan with the dealer. So any shortfall in collections is substantially offset by a reduction in dealer holdback. The change in the percentage of the portfolio was relatively modest, so there hasn't been a significant derisking of the portfolio, but there is a reduction on the margin.

    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. So you've talked a lot about the pricing already, but I was just curious if, in terms of the pricing you've already taken, was the volume response in terms of volume declines, was it pretty much as expected? Or are there any kind of differences relative to the pricing versus maybe previously when you had done pricing? Can you give us a little bit more color on that?

    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
 
Deane, I think that I stated that our book-to-bill ratio was significantly north of one times. Again, that's a continuation of string of quarters where we have book-to-bill above one times. So what's happening with our business is very, very positive. Demand is very strong. And again, demand, frankly, across all of the markets -- end markets and across both channels, even taking into account the demonstrated weakness in Automotive OEM, we have outperformed the declines in production output there. So we are quite optimistic about what we see with the demand, and we are very well positioned into 2022. We are extremely laser-focused both on our commercial side to be able to price, taking into account what's happening in the marketplace and we have a high degree of confidence to be able to do that again in 2022 as we have done in 2021. And our operating teams are doing a yeoman's job to get raw materials positioned in the factories that need them the most without significant manufacturing output disruptions. So that's really what we are focused on, and we feel pretty positive about how the team is operating.

    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
 
It's going to be the main focus for us as we move forward. We just think it's prudent to be doing work and understanding the facts and developing strategies as the business evolves. So we're open and looking at everything and refining the strategy as we move 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
 
Yes. Good morning. I was -- I've got another question on Ennis on the international expansion. I was just wondering if you could frame for us what you have in mind. Are we talking about significant cost increase to try and become a, I guess, material competitor outside of the U.S. and Canada?

    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
 
Got it. I'll let Nelson talk about the investment. But as far as the competitive environment goes, listen, the only environment we've known in Delivery is competitive. We were relatively late to the game.
There were a bunch of market players who had already been, in some cases, incumbent. And I think based on the results that you're seeing, we are able to make progress, grow the business, grow faster than the category and improve margins. And I think that speaks to the power of the platform. It speaks to the fact that we have access to many, many common components as it relates to our tech platform, our identity platform, risk, insurance, etc.
And it speaks to the power of the Uber brand and of teams who are local and understand the market deeply. So I wouldn't characterize the competitive environment as getting any better or worse. I would characterize it as continuing to be intense, but it's been that way since we started. Nelson, do you want to talk through investment?

    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 think -- let me answer that, John. Thank you so much. And -- so clearly we see this industry change in the five-generation wave and a lot of data being generated and less than 2% of data being analyzed. So I think there is a humongous opportunity in term of the hyperscale and order, autonomous driving, industrial, automation for the industrial group and autonomous driving. That is another part. So I think those five areas are going to be driving a lot of new applications and new solution needed. So a lot of innovation needed. And so in some way our ISD strategy will be playing very well from the silicon, all the way to the system and how to provide some of this solution, especially the workload has changed a lot. And so not just the CPU computing and it's a lot of new domain-specific application driving the solution and that creates a lot of new design. So that's why we don't see any slowdown in design. In the contrary, actually we see a lot of increase in design activity and that gives me a lot of hope 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, good morning. With the new administration and one with an aligned White House and Congress, what is top of mind in terms of implications and opportunities here for Blackstone in private markets investing?

    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
 
Absolutely. I think one of the pieces we think differentiates us in this space that -- navigation space is that we're approaching high-touch from the technology side. And so we have the technology foundation that will always be in place. We are never just the services team, which allows us to scale, and it also allows us to provide the Care Guides with a set of sophisticated technology to essentially help answer the question but more quickly and more efficiently.
And so we believe we'll be able to implement Care Guides and are seeing this with our initial set of customers where the margin profile stays essentially where it is in the mid-60s. So that might be a tick down from what, when Castlight was purely a technology company three or four years ago, we would have been saying. But ultimately, we can maintain this margin profile launching that high-tech, high-touch navigation solutions.

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

    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
 
Thanks, Sterling.

    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, everyone, nice quarter. Happy anniversary, Mike. My first question is on your approach to guidance. Can you tell us -- you had, right, this outperformance in the first quarter? Without trying to match it up to what you're flowing through versus not, can you just tell us what your approach was? You did a little bit better on sales.
Are you flowing that through for the rest of the year? And then same on profits.

    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
 
Copy John. Thanks for questioning.

    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
 
It's possible, and I don't mean to be evasive. It's possible to the extent we would have to evaluate the opportunity in and of itself. What we pay on day one as opposed to what it may bring to us over a period of time, being able to grow that or bring that experience into our business and spread it across our footprint could allow us to pay maybe a price tag that otherwise we would not have considered in the general rental business. That being said, we're not going to lean too far forward, unless we have a high degree of certainty we can leverage that type of growth opportunity in that hypothetical example I just gave 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
 
Yeah, so we've raised that -- our internal target, we should have plenty of room to continue our buyback. We took another look at where we think we're going to be over the next couple of years. We still think the stock is accretive to purchase for shareholders and we're going to continue to do that this year. So, we expect to buyback $30 million more of stock, $10 million a 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
 
Thanks, Rod.

    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 right, but the forfeitures were actually quite, quite large. And on Page 27 of our MD&A, there is some further details as to the quantum. So the, just looking for that page right now, the several million dollars was the effect of the -- on the RSU expense.

    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. Okay. Thanks, Nathan. Yes. I would say that what we have been seeing on a year-to-date basis, a combination-or largely from a year-to-date basis, the commercial side came back faster ahead of the process markets, but now process continuing to inflect, which is great and it's what we expected and what we felt in our early guidance and the revisions on guidance. What I would say is that on that side, that's where frankly the tailwinds will continue into 2022, 2023. And we are in the early stages of that cycle, in particular in chemical. 18 to 24 months is what we would expect and we are very early on there. In chemical, in particular, orders up 44% compared to last year on a 312 basis really across all regions. Orders are now close to 2019 levels midway through that year, so really strong. North America, chemical producers are rushing to expand capacity, debottlenecking etcetera. So-and again, I am focused on process, Nathan. And Europe also starting to pickup on projects, like I mentioned in the prepared remarks, not really that large in Europe yet, more maintenance, but we do believe that debottlenecking is coming in Europe. Not really large projects in 2021 in Europe. And then in Asia, also I would say there is a particular large expansion from one of our end customers in Singapore, which is a nice win that we had. So, I would say it's pretty broad based in chemical, largely North America and China is what I would offer there on the chemical and the process side in particular.

    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, the fourth quarter did tech us some items that gives the overall level of expenses, but it does kind of present a little bit of a glide path as to what to expect in the quarters within 2021. It's actually a little on the high side, but it's that range of 32 or so million dollars is really consistent with expectations and I think our spend story is largely going to be a function of a little bit of how our core loan growth story manifests itself in 2021. So we're very well positioned to actualize on whatever growth that's out there and as we assess dynamics, ultimately that can have the resulting effect as to how forward we are on that side

    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, Joe.

    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
 
Let me ask Doug just to comment on the timing of the revenue recognition.

    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. This is Scott. So I think, as you said, Talison spodumene world class, right, low cost in the world. Wodgina, we haven't operated yet, but we do believe it's going to be relatively close.
Ultimately, it does have a lower concentration. So it won't meet it, but it will be relatively close.

    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, Mike. We have given that some thought and I'll tell you, it's just too early to take the signs and signals we're getting from the marketplace and trying to project that into a long-term potential for our business. So we're holding to our long-range plan for now. The comment that you made -- that I made that you focused on is an important one, I think, that our customers are viewing cleaning differently in many of their spaces, where it used to be something they wanted to hide from their employees and hide from their customers and have it be largely invisible. Now there seems to be and our customers are talking about the value in their floor cleaning being visible as a sign that their space is safe to operate in for their employees or their customers. So, long-term impact on both the industry, our applications, our customers and our business, it's too early to tell. But we do believe that it's neutral to positive for us, that our customers will have a broader range of hours that they can use our equipment and results in overall cleaner spaces for our customers. So, we'll wait and see but early signs are certainly positive for 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. There is others that are doing really well. And you also have significant investment activity being added to those statistics, so -- and which is influenced by the selection of industries that we do. But there are people that are doing very well and have emerged from the pandemic as really strong operators.

    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 think it's too early to give the full year guidance, but we will expand our network, as Kevin mentioned -- and -- to reach 10,000 to 12,000 as soon as possible, per month. Thank you.

    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
 
Gray, the 60% down reflects the term license duration that we've seen for the last couple of quarters, which we've mentioned is approaching about 12 months. It's approaching about one year. So last year, Q1 was kind of an aberration because we had a couple large three-year deals that brought that average up to about one point six years. So we saw that revert back to the median of about one this quarter, not unusual. And that's reflected, the one-year average duration was reflected in our guidance and in our numbers for 2021. And it's along -- it's in the plan with what our sales team is offering to customers and what our customers are asking for as they approach more one-year deals. Of course, if we have customers that request three-, five-year deals, we feel we are happy to oblige. But we're seeing a lot of customer traffic headed toward one-year deals that are pretty close to mirroring subscription-like terms.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
We called incremental inflation in 2022. I would not expect to have another year of 9% inflation on top of 9% inflation, OK?

    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
 
Are you talking about the data at the Ruby level, Matt?

    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'll take that one Caitlin. On credit vacancy and credit loss, we do sensitivities obviously to create ranges. We have sensitivities around all the variables and guidance, and vacancy and credit loss we're ranging between 1% and 2%. That's probably a little higher than we had last year. But what we also have, which is a difference this year and Mike has gone through this. We have general reserves for COVID tenants, which we did not have last year, which are relatively substantial. Mike has given you those numbers.
And we also have a cash-based tenant reserves essentially. And so we have those two additional provisions in 2021 which we did not have in 2020. And the combination of all of those we think very fairly represents what this income quality should be.

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