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
 
Okay. Look, I'll just answer Cliffs first. In terms of the equity sale that was completed the early part of this week, I think Cliffs was looking at how they can strengthen their balance sheet, delever their balance sheet. And they were contemplating an offering, and we thought this was a good opportunity to piggyback with their activities. So other than that, there's nothing more to add vis-a-vis our stake at Cleveland-Cliffs. In terms of overall strategy, look, as I mentioned earlier, the intention -- we have achieved our net debt targets. We have a capital return policy to shareholders.
In case we do sell down stakes and other interests that we have, I mean, clearly, we would examine what to do with that cash. The intention would not to just continue to delever. But if there is no good use for that cash, then clearly, we'd be wanting to return it to shareholders. I also mentioned earlier that the focus is not M&A, the focus is to grow the business. We have great opportunities within the company, within our capex envelope, and we -- and that's really the focus areas.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Well, obviously, it's been a pretty dynamic situation, but I think that as we sit here today, we feel good about where our inventory is and where our PPE kind of overall inventory sits in relation to demand for the rest of the year.

    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 as we sit today, we have invested in the sales organization over the last few quarters. So we feel really good about the sales capacity of the sales organization going into 2021, mainly because of some hiring we did in the back half of 2020. And I think that one of the things that the sales organization is very, very good at is promoting from within which creates opportunities for people and then also training, so that we can get people up and running, especially when they're moving from a more junior role to a more senior role within the organization. They already know the SPS Commerce rope. So that organization is really well managed from that standpoint, but feel really good about the sales capacity as we sit today.

    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
 
You're welcome. 

    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, on the cash flow side, I guess, we'd be getting at. Our inventory levels are down significantly year over year thus far in the year, down about 11% in the second quarter. Really good progress. In fact, every category of inventory was down.
I suspect we may choose to invest a little bit in inventory as the year plays out, but I do not expect -- you saw our free cash flow guidance is pretty terrific. Maybe our best metric on the page. I don't anticipate having to compromise on that to invest in inventory.

    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. Thanks for the question. I wanted to come back to the cloud titans and just kind of the trajectory there in the quarter. We had detected significantly improved kind of orders that tend to project what your revenues are going to look like in March.
So January and February were sort of OK, but then March perked up quite a bit. So I'm curious what your linearity was in terms of orders for cloud titans? And is that one of the things that gives you so much more confidence as you look into the back end of the year?

    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 wouldn't say so long term.

    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 Jim. So it isn't as though we took our eye off of M&A, I think we're pretty disciplined as to what we're interested in that aligns well with the company's overall strategy was as Brendan mentioned, NSI, I say often, which is building distribution. And we build that through bank distribution in markets where banks are still very germane to a merchants decision to select an acquirer.
And then in other markets, we were looking for distribution through tech-enabled and tech-enabled in our vernaculars is B2B and the ISV channels. So you should anticipate as the thought engine says, the thought begins in Europe and in other markets that you'll see more animal M&A activity out of us in those two areas.

    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
 
OK. Hi, Xiaofang. Thank you. Thank you for your question.
This is -- hi, Xiaofang.

    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. Thanks, Gabe. Yes. So as we mentioned, as you pointed out, this study in first-line non-small cell lung cancer will be conducted in patients who are either a PD-L1 negative or STK11 mutant. These are populations of patients, of course, of patients who don't typically benefit from checkpoint inhibitors where there's really, we think, a lot of residual unmet medical need. In fact, STK11 mutational status may help confer resistance to checkpoint inhibition. So that is the population that we're targeting. Whether this can be potentially registration-enabling or not, I think it's too early to speculate. The FDA has generally been clear that in first-line lung cancer, they wish to see randomized trials. So one would have to anticipate having a pretty spectacular efficacy readout to lead to registration based on a single-arm Phase II trial. Obviously, if we saw compelling data, we would have the appropriate conversations going forward.

    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
 
[Foreign language] Thank you, Bing, for your question. Normally speaking, the first quarter of the year is the low season for the EV industry because of the subsidy and other policies. [Foreign language] Model Y has announced their pricing for the locally manufactured vehicle, but this is the normal strategy and the practice of Tesla. Normally, they cut the price, and then they can boost the order backlog.
Our approach is quite different from Tesla because we would like to make sure we have a stable order performance instead of these ups and downs in the order backlog. For us, we don't actually want to cut the price to boost the order backlog. So it's quite different from Tesla. We would like to focus on the service and the experience improvement, as well as building a positive word-of-mouth reputation in the market because we do not want to cut the price.
Because of our strategy, we can achieve a very stable and solid pricing with our products, which will also help with our gross margin and the vehicle gross margin. Just like I mentioned, in February, the BaaS take rate among the new orders has reached 55% and is growing every month. So with our unique competitive edges and our long-term capabilities, we believe we should be able to secure a strong footing in the market instead of being affected by those short-term strategies and practices.

    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, Ebrahim. Look, I think that when you look at the whole question of margins and the quarter-over-quarter comparison, I think it feels like we still have some moderated downward pressure from LPs being particularly tight, because of the amount of cash that is overall in the system. And -- but however, the level of interest rates has definitely started to show some upward momentum. So in addition to that, I think asset mix is an important factor, I mean, obviously as our deposit growth continues and more customers are trusting us with their deposits. We're still at an all-time low interest rates, and therefore, that is also a headline impact on our net interest margin.
And card balances have been coming down as you know, but we're very encouraged to see card spending starting to return very smartly. And as liquidity in the system wanes, we expect to see some of the card balances as well as loan growth remaining. So we remain quite optimistic that as the economy is starting to open here and economic activities are taking on momentum that we're very well geared to upward interest rates. So as you know we've disclosed our NIIS sensitivity in the MD&A, but I should also tell you that 25 basis points increase in short-term rates would mean CAD275 million to NII, as well as $220 million in the US segment.

    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 use the word very low compared to the balance of the end markets that we participate is the simple answer.

    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. And most of my questions have been asked and answered, but congrats on the buyback. I think that's a good step. On the private margin, just talk a little more of that how much of an impact to expect in 2021 and then beyond from the whole modification and loans coming off forbearance? And is there an opportunity -- in the past, you harvested some cash from the structures in that portfolio. Are there other opportunities to do that as we go forward? Thanks.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
We are in the process of assessing what the impact would be. It's still too early to really give a perspective. But our early view here is that there would be some upward trip in the tax rate but not significantly higher at this point. And then certainly better than a number of our competitors.

    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 David, this is David. I'll jump in and then Dan can certainly. I would tell you, on an average quarter between 8% and 10% of our business is what we refer to as lower credit or sub-prime and the rest of it isn't. It becomes a lot more complicated with sub-prime online transactions, because of the documentations and what's needed. It's not impossible.
I think the reason you're seeing higher credit scores and higher down payments on the tool is it's simplistically someone with a 750-plus Beacon score understands they're not worried about financing and understands that they can get what they want. So when you think about ease and convenience, that consumer who knows they have the credit power and wherewithal to transact, would they prefer to sit in the showroom for 2.5 hours or do a 14-minute transaction online? So I think that's the gravity that's pulling it there.
We're certainly seeing lower credit scores as well on there. It's not just simplistically all 750-plus Beacon score customers. There's a broad mix. But again, the score average is certainly higher. And we credit that -- that's different than what we had with our prior tool. And the main reason is -- our belief is, is because that high credit score customer actually knows they can do the complete transaction and it's not simply a lead generator.

    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. Tony, yes, you're absolutely right. Javelin 100 is sort of the model, if you will. I mean, that's the standard with Avelumab maintenance following up to six cycles of Gem platinum therapy. Our trial is going to include COSELA administered with the chemotherapy and with the Avelumab maintenance with the control arm being, of course, just the chemotherapy alone and the value-add maintenance. Essentially, it's an add-on to that standard of care.

    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 was wondering about the -- what -- what we should expect over the next couple of years from your SPAC activity. And should we expect Hamilton Lane I to be fully De-SPACed before the Hamilton Lane II comes into existence? And I guess, just in general, I'm wondering, is the market still in your view receptive to SPACs? And is the PIPE financing there if you find good transactions?

    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. No, it's a good question. We've been saying pretty consistently in the last couple of years, 2020 was all about the Old Line and Old Line Bank. Get the conversion done and get things assimilated, which we did, and that's gone really well. 2021, this year was going to be about our own core conversion. We're right on top of that here in the third quarter and a lot of effort and a lot of work has gone into that very, very significant amount of work. So we're getting ready to be past that here in the fairly near future and with the capital levels that we have and the 1.5 years to two years since Old Line Bank acquisition, we could start looking around or entertaining opportunities. I haven't yet.
We don't have anything near term, but kind of really wanted to stay focused on the core conversion and coming to the pandemic OK. But that seems like both of those are either done or about to be done and start to make some marketing trips. We don't think we need to do anything because as I mentioned earlier about the acquisitions we made in the past to get into some of those higher growth markets and we want to continue to execute upon that, higher trust, wealth management, securities people, things like that in some of the Kentucky and Maryland markets. So we think we've got some good organic growth opportunities without doing any M&A. But if we found the right opportunity that would be similar to what you've seen us do in the past then we would, I think, be in a position to entertain something like that later this year or into 2022 or 2023. But currently not looking at anything.

    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, thank you operator. In closing, I'd just like to thank our employees, our associates, our clients, our business partners for their efforts throughout the pandemic. And thank you everyone for attending. We look forward to speaking with you at our next quarterly earnings call and hope everyone has a great rest of the week and be sure to stay safe.

    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 believe so, yes.

    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, thank 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. I think there are a couple of different ways to think about that. I think within Atlas, as we mentioned, Q1 is seasonally softer, and so we were trying to help put in context some of the strength that we saw in Q2. Certainly, the results in Q3 were very strong and compared very favorably when you sort of adjust for that seasonality.
I think the only other thing I'd call out that's probably important in terms of Q4 seasonality is two things. One, we had a very strong year-ago year in Q4, particularly in Atlas. And then on a more macro basis, Q4 tends to be disproportionately Enterprise Advanced centric. A lot of the renewal base as it relates to workloads tends to, like I said, disproportionately skew toward Enterprise Advanced in Q4.
And so that's I think another factor to keep in mind as well.

    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, the old shelf expired. The previous shelf was, I think, the third shelf that the company has had in place. So I view it as prudent to have a shelf in place. It is because of the growth, and it gives us an option to finance the growth.
We wouldn't probably do $60 million, if we did anything at all, but it would be modest. But it's one more tool in the fire for how we get all this stuff done. And it's being driven by very strong demand for indium phosphide, a good demand for gallium arsenide and then on the horizon, gallium arsenide doubling or tripling in terms of the TAM. So that's why I used the word renaissance earlier.
There's just a lot going on. So that's why we put the shelf in place.

    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
 
All right. Thank you, Asthika.

    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, Stanley.

    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, Bryan.

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