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
 
Well, maybe Kim should answer it completely. But I will start by saying that, Ritu, we just don't have enough patients and enough follow-up in this study to look at any kind of clinically meaningful outcome and I don't even think we have enough patients to look reliably at hemoglobin levels. I think you know if you just look at the HOPE study, patients with the same level of modification had wildly varying hemoglobin response as for some people three, four grams per deciliter, other patients, half a gram per deciliter. So and that's due to the individual.
And the way you get around that it by having a larger sample size. But if you look for example at the 900-mg dose and the 1,500-mg dose, there is a lot of overlap in hemoglobin response. But when you look at the total data, you see that the hemoglobin response was definitely better with the 1,500. But it's a 84 patients per arm to see that.
So we are not really powered to be looking at hemoglobin quite in a way you want, we will get there. But the problem, that start really is occupancy, because we feel pretty good that occupancy, as it has with Oxbryta, predicts hemoglobin and other outcomes going in the direction as you like. So Kim, feel free to correct me. 

    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
 
Yeah, I think a lot of those will go to hotels, retail, restaurants and entertainment for sure. And -- But I think this time there will be fewer big dollar kind of loans. I think it will be largely to smaller businesses that are trying to get through these next few months.

    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 mean, honestly, Quebec remains a challenge for us. It's a priority, but it remains a challenge that's all I can say. At this point, we're looking at many different -- trying to understand it, and I won't go any deeper than that. But it's a large market, and we haven't been able to penetrate that.
But the good news is we're looking at the Yukon as an expansion this year. So no, but seriously -- yes, I think -- I mean, BC is starting to roll out more stores. And God knows that's per capita, that's highest consumption, but the illicit trade is still pretty big on the West Coast, and I think that's a growth opportunity for us as well.

    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 bet. Thanks, Stephen.

    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, this is Mark [Phonetic] on for Pat. Thank you so much for taking my question. I'm just wondering, could you give us an update on the cross border opportunity for 2021? And how should we think about international as a percentage of revenue or international momentum after that pandemic? 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
 
I would say some were as -- as late as last week and the earliest was probably middle of November forward.

    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
 
I think it is, Jason. First of all, good morning. Great to have you here. I think a reasonable services growth rate for FY '22 of low single digits is probably appropriate. Again, we're going through a period of transformation and we've been strategically converting many of our older perpetual maintenance customers to more modern workloads that could be in the SaaS, that could be converting them to new subscription offerings and that has a bit of a headwind on our services growth in general. But, longer term, we feel very confident about our near-term targets we laid out during the Investor Event. Metallic is going to be a key part of that growth.

    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
 
Outside of paying back a modest amount of payroll taxes. As you recall, the part of the CARES Act, we were able to defer some payroll taxes. This is a number slightly north of $5 million. Outside of that, I don't think that there's anything too esoteric with tax expectations for this year.

    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
 
Mario, we usually don't deliver, I would say, guidance and the breakdown of our credit portfolio expectation. I think the figures you have, you can see on a consolidated basis, I believe that we should see is still an acceleration on the retail business. This is what we are seeing. And on the corporate, it will depend on market condition, especially on that capital market.
So we may be able to put on book a few good credits in terms of credit quality and also in terms of return on capital, but we may be able to deliver and to sell to the market if there is a window of opportunity. So it's hard to give a good guidance on that. Let's see how will be the market and the volatility that we will face in the coming months. So I would say good pace on the retail and the pace of the wholesale will depend on market conditions.

    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. Thank you for taking my question. Just one from me. Steve, you mentioned the sector looks healthy at $60 oil price, and oil prices are currently much higher. Would love your thoughts around the macro and your long-term oil price expectation of $55. Now there are a lot of moving pieces here on the macro. Say oil prices are higher, longer-term, how does that impact your free cash flow deployment between dividends, share repurchase, organic drilling and completions?

    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
 
So let me infer a little bit from the question you're asking. We hear a lot of anecdotal evidence that there may be systemic changes emanating from COVID that have to do with work at home and what that might mean for commercial real estate footprint. We still believe it is too soon to declare any change structural. We do expect to see some, the extent to which remains to be seen, but some work from home, either in hybrid capacities or, in some cases, more completely.
But I don't see that move as something that is positive and determinative of real performance and execution. I think what you saw, going back to execution through COVID and, frankly, this company's performance across its business units during COVID was really a manifestation of the discipline that we have in all of our operating -- on our operating performance and our operating leverage. The more disciplined the company is, the better they were able to adapt to the vagaries and some of the really significant challenges that COVID provided both to the workforce and, frankly, the customers and the environment. So I think that to me, it underscored, amplified our operating excellence.
And I suspect that that will continue -- the understanding of that will continue to permeate as we go forward, and we will continue to build on that. Operating excellence is never static. It has to get better and better and better. That's what continuous improvement is all about.
And frankly, we have a long-standing discipline around that. So I don't think there'll be a structural change in our operating performance, but it simply undergirds the importance of that discipline that focuses on performance.

    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
 
Simply put, yes. So, I think we have to get our -- all of our manufacturing capacity pointed in the right direction there. And as legacy comes down and helps us, and then there's other opportunities as well, like platform commonality and things like that. We've kind of said that 16-terabyte was getting a little long in the tooth. That's why we want to accelerate the 18 terabytes and then 20 terabytes. And in each one of those points, you get a chance to refresh, and maybe take some cost out as well. But, based on what new designs are in the factory -- and we get the leverage of the platform too. So, I hope that helps you.

    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. So we're running about from 2% to 3% right now on renewals and we've got -- we've got renewals that have gone out for February and -- through February and March and we think we're going to realize somewhere in the 3% range up on renewals. So -- and that's been true. We've been in that range now for -- since we reinstated raising rates on renewals. So I think that -- I think we've proven that that's kind of what the market will allow right now in terms of renewal rates without giving up occupancy, and we still have our retention rates that are still at historic highs in terms of the ability to maintain a resin. So it's clear that we're not forcing any vacancy by where we are on renewal rates right now, which is going to be in the 2% to 3% range.

    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. Yes. What you just said there is the internal discussions that we're also having, Nick. And as you heard earlier, about half of that fleet -- half of our dedicated business is in the low 90s, let's say, it's 91%, 92%.
I mean, there's sprinkled in there, 88% and 87%. As I'm sitting here looking at it, there's quite a few of those. But our first goal is to get 102% down to 92%. And then we'll see where the market is going to allow us to go.
So it's one of those things that I feel confident we can get it, take 10 points out of those underperforming assets and get it for the first sale. And that's why Joey earlier, some time or another, either released or on one of his questions, that he said that fourth quarter, first quarter, second quarter next year that we're working toward that. So, I mean, what you're seeing and what you're just saying is exactly what we are studying and seeing ourselves. And half our fleet is in those -- in that range, but we've got to first get our -- we got to get the other half down there in an acceptable number.

    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 mean there's a lot in that question Justin. First let me start by saying we are encouraged right? We are seeing results in the first two quarters with the program that went live in April that are ahead of our expectations. The back half of your question there is a natural cap on the risk adjustment factor in the Direct Contracting program. And so most of the better-than-expected performance is based on lower medical costs.
There's two factors that we are awaiting updates on. One is the retro trend factor which is a relationship between your local trend in the six markets that we're in right now versus a national trend. And so if your local trend is lower than the national trend when everything is rolled together at the end there will be an adjustment in your revenue. That is separate from the second factor which is the coding intensity or RAF factor that you talked about.
Both of those will get resolved in the middle of next year. We will get interim updates on it. I think as we said we're encouraged by what we've seen, but we really need to go through a full cycle with this program to be definitive around that. And then you want to talk about guidance for Q4?

    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, Chris, for the question. We turned a positive at the breakfast day part back in the third quarter, I believe. Since then, we've been positive. So it wasn't all a lap of the pandemic negatives at the breakfast daypart. And obviously, part of that is because of our historical strength in this daypart, part of that is because the importance of drive-thru speed, especially at breakfast, is important. And part of that is some of the menu item moves that we've made around offering McCafe bakery I think have also set us up well for the breakfast daypart.
We're acutely focused on this daypart because we believe that certainly, as some consumer habits return to pre-pandemic -- to pre-pandemic ways of life that the breakfast daypart will continue to come back. And similar to the way that it was a real market share gain -- market share battle pre-pandemic, we think that market share battle will absolutely continue, and we're ready and prepared for 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, ad hoc, as we would define it, would be scheduled after we bid the pilot deck. So we're taking reserve pilots or open time, in other words, putting out to the pilots for volunteer. The opportunity in cargo is pretty close to 0 for that because the fleet is allocated to Amazon, who in particular in this quarter were flying about as hard as we can with that fleet. We don't have any slack.

    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 it's a temporary situation, Jon. Let me kind of back up to the macro environment here. The bottom line is, two-thirds of Mexico's demand has to be imported, and most of that's coming from the U.S. and there is nobody better positioned than KCS to bring that from the U.S. Gulf Coast into Mexico. So that gives us a lot of confidence that this is still a great business for us. In fact, when we look at the share data, third-party's share of importation of total demand has actually increased from high-teens to 25% this year. So there is more product being shipped by companies like KCS.
And I think what's happening here, we've got kind of half of our business in unit trains, half of it in manifest, it's the manifest side of this that the government is doing a little more sampling to make sure that products are getting labeled properly and it's created a little bit of a backlog. But just here recently, we cleared up a lot of that backlog working with the regulators down in Mexico. And the demand dynamics are such that we think this is going to continue to be a really good business for us. So maybe just a short-term dislocation versus any kind of permanent impact to that business 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
 
[Speech Overlap] And that's one of the reasons that we're guiding to the high spot loan growth, but the average loan growth is less. That's one of the reasons.

    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
 
That's why we used those NFIB stats. We just feel like it was really a market thing. I don't know what other SMB players, but we really thought it was just really tightly correlated to the market. April, as you know, was a super strong month in the SMB segment of the economy, we certainly saw 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
 
A couple of points I would make on that one. The first is that we've hired experienced representatives who have been selling through the COVID world. And so they're very nimble at flipping back and forth between virtual visits with physicians and in-person live. So we see that they are already in the fields able and quite frankly, doing both types of visits. The second would be our speaker program. And again, we were able to do a lot more now virtually with getting out, training doctors quickly, doing -- training them in their off hours when they're not in clinic and getting the news out about Bylvay. And then third, on the medical meetings, we're seeing that, again, a hybrid approach. So AASLD, as an example, is taking an approach with having some portions of the program live and some virtually. And again, I think the experience that our collective team has in terms of being able to access and work with physicians, both virtually and in person, is going to give us a great uptake.

    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
 
Good morning and thank you for taking my questions. Two questions for me if I may. First, is my follow-up on the cash flow guidance of $6 billion this year. I just wonder, how will that number look like without the NCS tuck incentives in place? I guess that's a substantial positive impact on that number. And my second question is on reserves; you report reserve replacement ratio of minus 5%, and I understand of course that's due to lower oil and gas price assumptions partially. I just wonder, which fields in particular did contribute to that low reserve replacement ratio for 2020? 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
 
Geoff, why don't you take that one?

    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
 
Rob, do you want to begin?

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