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, without getting into specific outlook for 2022, let me talk about some of the major drivers that we see. You noted that GBSD will have a tougher compare '22 to '21 because we'll have a full year of GBSD this year. However, I would point to the fact that GBSD is expected to continue to ramp into 2022. The budget shows another, approximately $1 billion increase going from '21 to 2022.
So not all of that is the Northrop Grumman program. That's the entire budget. But you can see that there is still escalation and growth anticipated for the program going into next year. But more importantly, as you highlighted, there are other activities that we have under way that have a growth profile from '21 to '22.
NGI is one of those. The other two awards that I mentioned today are two others. And so, we do see the opportunity for space to continue to grow. It is true that when we look at this business, it grew 18% last year.
We are projecting high-teen growth again this year. So those are very robust growth rates. But we do see the potential for space to continue to be a growth driver for our business and indeed, our fastest-growing segment.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thank you. Appreciate 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
 
Yes. Thanks. Of course, as we make our capital allocations and we make these investments, we expect that we're going to get a return on them. And that's all part of our walk-up into 2023 and the 8% margin.
We're also continuing to work on cost reductions elsewhere. Right? These are investments that we're making in our new products with the launches and connectivity and IT. We've got advertising in there for these launches and then, of course, customer experiences, as I talked about earlier. But we're also driving cost reductions elsewhere as we continue to improve the business toward that 8% margin in 2023.
So we'll invest in certain areas. We'll see costs go up in certain areas, but we should also see costs coming down in other areas, particularly material cost, etc.

    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 mean, there has been a lot of positive reaction, as you would imagine. There is also not only excitement from the consumers, but also within the stores that represent that truck.

    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, Michael, and this is John again. So yeah, I think that shift is really driven by the fact that, call it non-resi or commercial right now, is coming off of a dip in 2020 that I think was in the 20-plus percent range. So we do anticipate that's going to continue to recover. We just think '21 will be a year of recovery, so that's what we've tempered a little bit. As you think about a three-year outlook, we are still extremely bullish on commercial. We are under indexed in terms of our share versus our residential share, and we think from TopBuild's perspective there are many opportunities to continue to grow there, but I think there will be a little bit of a slower growth rate in terms of the '21 timeframe but certainly long-term -- mid to long-term, we're extremely bullish.

    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
 
Not that we've seen, not at this point in 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
 
Yeah. So -- so we're -- yeah, Tim, we're not going to name the customer, but this was a customer that we had some early conversations with. And this speaks to kind of our broader cross-selling efforts that have really been getting some nice traction. As you know, Tim, we put kind of sales force in place and we've got a series of business development initiatives under way, which we historically have not had.
And so this customer kind of blossomed through kind of a multi-touchpoint relationship effort at Montrose and speaks to kind of the attractiveness of having kind of an integrated offering that meets or I should say scratches multiple itches on the environmental side. So that's how -- that's how it came to be. And the fact that we had a more robust offering, including but not limited to just CTEH, right more on the -- on the permitting, assessment side, more on the testing side, more on the remediation and reuse side, all of that kind of factored in. And I suspect we'll continue to really accrue to our benefit over the next couple of years as -- and we -- we hopefully will have more and more stories like this as we begin to unearth these opportunities.
As a simple example, Tim, if you're struggling with measuring and mitigating greenhouse gases, it's not a singular thing that you need, right? You almost need kind of a series of experts helping you assess the regulatory landscape, the -- the -- the engineering optimization part of it, the mitigation measurement part of it. So you -- you -- it -- it allows us to kind of hit that -- hit the same problem from multiple angles. And that's a unique offering from Montrose.

    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, what we've said, right, is we expect all, but the final on a total purchase price, right, to -- of $100 million to fall by the end of the second quarter next year. I think, we don't encourage you to get caught up, as these are development properties and the perfect timing of when they will close. The point is whether they are able to close in the end of this year or at the beginning of next year, is that we're going to do a target of $250 million, in addition to 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 things. One is lease rates have definitely hardened. And so that plays out in a couple of different perspectives. So when we're negotiating with new customers or for new airplanes for existing customers, it's pretty much we're -- we've got better negotiating position. The other thing is any lease that's coming on -- that's coming due, most of them tend to be extended or we're flipping them right over once they get through a maintenance event to a new lessee because the demand is so significant.
A lot of airlines that we lease to right now that have assets coming due between now and the end of next year, we're already talking to us about extending those. And so it's folks that have capacity now don't want to let it go. So the high demand is good for our existing leases for extensions. The other piece of that is most of them are extending in existing lease rates, and we're actually in a position to get better lease rates. Usually, on the leasing side, when you go through your second and third extension on a lease, you start to -- the lease rate starts to go down a little bit. But now, we're seeing them hold up on extension.

    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
 
Howdy, Svein, Trygve, and Laila. Good morning. How's it going?

    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, Alonso. As you mentioned, our margin is around 5% and we expect that margin to remain at that level. We think that we are at the bottom of the margins. And as Juan Pablo has mentioned, we think that Colombian Central Bank, Banco de la Republica, probably will increase its reference rate at the end of the year, starting a path of interest rate increase and that will benefit our margin. As you know we are asset sensitive, so those increases will improve our margin. We already incorporated all the interest rate to the margin, so it's already incorporated. So we won't search for the pressure[Phonetic] on the margins. So that for the future, we will expect probably a better performance of the margin due to tax rates -- I am sorry, to interest rate increases. Jose, could you give Alonso a sense of our sensitivity?

    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 for the question, Brian. And those that don't understand the insurance market, when we talk about a hardening of the market, a hard market means that carriers are increasing their prices or, we say, taking more rate because they're trying to improve the profitability based on their loss history. And we're seeing that as a trend today broadly across the market. Back to your question around what we are seeing is it's a good time for Duck Creek.
The carriers are taking rates up. When they're doing it, the carriers that are having more success are those that are more surgical in their rate taking. They're doing more analysis around what aspects of their book of business do they need to raise rates on. So instead of taking a blank 5% increase in premium, they will get much more surgical and perhaps take a 15% rate increase for a small segment of the book, maybe leave another segment of the book with a 0% increase, and then maybe a 5% increase in other segments.
And when they want to be more surgical with their strategies, they want better access to data, they want a platform that allows them to make these rate changes with more velocity to test them, deploy them out to production. And we give them a means to do that. And I think that is one reason why it is so popular now for these mid-market commercial insurers that are looking at this hard market and they know that they need to modernize their platform to be more successful moving forward. So we're engaged in some very thoughtful conversations with them to give them more agility as they're thinking about how they're going to work their way through this hard market.

    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. We have ranges for each of these line items when we come into the year, and they don't always all move in unison. So we have a number of factors that can impact revenue or expenses or level of investments. We're obviously saving some money this year with good expense management. So that's helping us achieve the overall margin goals and bottom line and EPS levels even while revenue is not being hit at the original objective. So -- and as we typically move through the course of the year, Jason, we will tighten those ranges based on what we're seeing. So it's nothing really 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
 
Yes. No, Joe, I did not. I was just making the comment that we're continuing to see strength. I mean, the month of April, for us, the first couple of weeks were a little soft with Qingming Festival and other things that were going on, and we really saw the back half of April strengthen.
And then following Golden Week, we're experiencing those volumes and feel like it's going to continue to grow from that level.

    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 afternoon everyone. So I just wanted to touch on the trash bag business, if you could just kind of give us the state of the union in terms of what's going on in terms of shelf space. And I understand there's been some pricing taken of the category. And during the last quarter, you indicated you were hesitant to take pricing during a pandemic, but just wanted to get a sense of how you're thinking about it now given you're starting to see inflation happen at a much more meaningful rate.

    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
 
If I could just ask a quick follow-up on the last question, it wasn't really clear to me. If you look at your operating leverage in fiscal Q1, can you just tell us what operating leverage you're calculating in the quarter? Just want to understand what you're taking out of the denominator. 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
 
Yeah. I think I can provide that. Can you help with that, Barry?

    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, Bruce.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Hey, thanks, guys, and echo everyone else's congrats, really impressive numbers. Just one for me. Frank, is there any way to think about a dollar spent with Teradata or one of the legacies, CW vendors turns into x amount of spend with Snowflake? And I don't know if you can think about it that way, but I sometimes get investors saying, hey, Teradata peaked at a little less than $3 billion in revenue. And look, I realize they're not the only share donator and I realize this is not only replacement, but it gets at the question of like how big can Snowflake really get? So any thoughts to help us kind of frame that question?

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Hi. Good morning. And just want to echo the condolences that have already been sent to the team. But I'm hoping you can comment on capital allocation, particularly the continued reduction of debt and the walk back to investment grade.
Is there an ability now to get back to that investment-grade target faster than originally planned, that three to four years? Thanks.

    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
 
Sorry, are you asking us what is our filter of going into new markets? Is that the question, Brent?

    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'll start with that one and then Matt can fill in any blanks here. But very consistent with what we have said before. So, we're still on pace for the round run forgiveness, and what we are targeting is about 80% of those originals which represent basically everything under $2 million going through essentially in the first half of the year or so.
We're still on pace for that. So, those are -- are coming through. And then on Round 2, I think we had said, you know, $180 million I think was the number we threw out there which was essentially half of the original Round 1 loans that were less than $2 million, and we're -- we're at $172 million at the end of March.

    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 know, we look at all the macroeconomics that are going on and react to that in severity basis. I would say on the rental coverage, especially if our first party, we have contracts in place to minimize the amount that you pay per day on a rental, so we feel good about that. We also believe on the rental side that, you know, if you get out there and see the car, you know, if customers want their car back in their driveway. So, we really do try to compress the time with which to get the car back into at or better shape than before the accident.
So, we've always pride ourselves on the actual time that that takes which of course affects rental. On lumber, we will start to see that unfold. And if we believe that it is a piece of this severity, we will price that in future rate increases.

    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, they will.

    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
 
Eiry?

    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 the simplest one is not the biggest portion of the production. The blended rate for the newest is coming between the 3.5% to 4.25%, more or less, on a marginal basis.

    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
 
No, no, no. That's correct. I mixed up the quarters.

    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 very much. I mean, as I said before, I prefer to wait till January in order that I can share my views. [Technical Issues]

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