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. Yes. Well, you have that right on the second part. That is the aim is to make these -- extend these solutions from just a point functional solution, which they do extremely well with and a good value proposition but to extend those adding managed services and extend the perimeter of the business solution, extending into more holistic security, adding that machine learning and extending that out and the same with business intelligence. We're doing this a lot with our financial services solutions.
So just an example of that, our collection solution, which is really end-to-end solution used in some of the largest banks around the world, but we're extending that to be not just a collection solution but a credit solution and using some of that as a platform and co-creating with clients using that IP as a starting point, but extending that out as they look to modernize their entire suite. And of course, when we do that, one of the things we do is drive self-service enablers into those solutions. That reduces the cost for the client and then reduces the operations, and then we can actually, through managed services, just take on the operation.
And this is a big value creative for our clients. In the -- actually in the quarter, I just mentioned the financial solutions, but in the quarter, the big driver was our government solutions both in the state local provincial level, but also in the federal level. So both are actually firing now as intellectual property and as mentioned, digitization continues to accelerate, we see bigger take-up and value proposition for IP globally in all 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
 
Hey, guys. Thanks for taking my question. Gary, maybe two quick ones for you. The PRECIsE study, 83% diagnostic resolution.
Is that good enough, Gary? I mean, certainly, the headline numbers when you look at other studies, it's a good number, but I'm just curious, is this the point where the market awakens to these numbers? And should we see an inflection in adoption of Ion? And just one quick one on 3Q. I know you called out the delta, but was there any labor shortage impact in 3Q itself? Because historically, we haven't seen the pandemic impact where Intuitive has outperformed peers. It's just perhaps a little excessive in 3Q. Was there something else going on? 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
 
Yes. So our range in our EPS guidance provides accommodation that we can accomplish, and we'll accomplish the majority of our share repurchase program. In terms of investment-grade rating, we're just going to have to continue our positive discussions with the rating agencies. As you know, our secured credit facilities are already at the investment grade.
In terms of getting the whole company upgrade, we'll just have to wait to see. I think the agencies are expecting us to state a range and commit to that area, and we'll have to see how they evaluate it relative to investment grade going forward. I can tell you is we have ample access to the market, and we believe at reasonable rates. And so we're generally comfortable with our position today.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thank you, operator. Good morning, everybody. Wanted to talk a little bit about the outlook on the volume side and narrow down a bit. 46% sounds pretty good on the outlook. You mentioned domestic intermodal growing. Could you talk a little bit about the international intermodal expectations, especially as we go throughout the year because there seems to be a clear ramp-up through the ports in fourth quarter and actually in the 1Q here?

    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
 
We have regular discussions with our -- with the credit agencies every quarter and those will continue for sure. And that's certainly part and parcel to the entire process of going out there.

    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 guys, good morning. Thanks for taking my question. So I'd love to drill in a little bit on the uptick in starts really impressive getting to almost five starts per community in the quarter per month. I'm guessing that's not something you would tell us is kind of a new target run rate or is necessarily sustainable. But I'm curious if the current market conditions and strength has kind of caused you to kind of rethink that steady run rate in terms of starts per community or sales per community like you've talked about in the past. And given that success in the growth in starts, are you starting to pull back on some of those limitations on sales that you've been kind of putting in place over the vast majority of your communities?

    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. Operator, are there any other questions?

    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
 
Several countries, as well as network operators within those countries, front end and back end, SMS and cell broadcast, all of the above.

    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
 
Good morning, Bill. Thanks for your question. You know, we're just very pleased with the health of the business in the fact that our plan with the $1.3 billion pay down that we did earlier this week. In addition to the payment at maturity of the upcoming node in January that we expect to end the fiscal year at less than 2.5 times. And the purpose of this is really a combination of not only investing in the highest return investments in our business, deleveraging the balance sheet and returning capital to shareholders. That's very much our balanced strategy.
But all of that really speaks to just a healthy business and a healthy business gives us flexibility to compete, to invest in initiatives and opportunities that come up that may be a bit unplanned and so for us achieving an investment-grade profile is really critical just because it really speaks to the health and resiliency and sustainability of Macy's Inc.

    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
 
So with regard to our portfolio of Defense IT assets or priority missions, no, I don't see any correlation with the bulk of our portfolio. More spending in DC could -- and the DC real estate community tends to believe that when that kind of spending increases, they do get growth in demand. And I would say as a landlord finishing a development, we'd welcome 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
 
Yeah. I mean, look, we -- where we can, we'll run intermodal with freight together and then in other areas where intermodal continues to grow. I still have room on the tail end of intermodal trains. Very few of my intermodal trains, as it stands, are sold out. We have cars and storage that we're able to pull out, and we continue to pull out as we see the need. Growth has been very strong, as Jim has mentioned. And our terminals are in fantastic shape. Scott Marsh and his team that take care of the intermodal side of the business, have done an incredible job turning the assets when they arrive. And we continue -- fully expect to continue to see that productivity get better 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
 
Hi guys, 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
 
Besides expert management, no kidding. We did -- as we've mentioned in Q2, we took a good look at what our expenses are tried to manage them pretty judiciously, and we'll continue to do that for the year. That does not mean though that certainly as Dennis mentioned, we will have some pickup in expense due to compensation that we do have operations folks in private bank. So -- but again, we'll manage that and certainly manage as best we can. But I was happy with the results and that the team is working very hard and manage expenses as well.

    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
 
It's always hard to make a definitive statement, Tyson. But I don't see why that would not be the case right now. Of course, things could change, but right now, I'd say that it's pretty good -- pretty good chance that margins will continue strong.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Well, when we hit the height of the pandemic and as digital transformation even further resonated in the marketplace, we saw highs of 17%. We knew that that was probably more event-driven than a sustainable level. And so now this quarter, we'll be back off, we're more in the mid-teens at 14%, that's closer to where we historically were prior to the pandemic.
So it's a level that we're more comfortable at, but you also have to keep in mind that the market is mid-single digits. So it's anywhere from 5% to 9%. And so at 14%, we're doing or our clients through the use of our platform are about two times what the markets are growing. So as we get larger in scale, we expect we'll normalize more back to the overall market, but we still have a runway of more mid-teen growth before we reach 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
 
No, the COGS -- the cost of sales is a percentage of revenues. So we expect to see stable cost of sales as a percentage of revenue overall in the quarter. That does not include the price increases that we plan to take because that will be in December most likely and will be kind of in the back half of that period. So it's not going to have a material impact probably but -- and I mean, just in terms of overall commodity trends this year, I mean we have seen and have reflected in our cost, increases in packaging costs like most of the competitive set. So we've seen increases, I'd say packaging is probably the area where we've had the highest increase. We've had some moderate increases in poultry prices. But overall, we expect the cost of sales relationship to sales to be stable in the fourth quarter compared to the third quarter.

    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. Well, this is the independent investigators' view, and it was discussed also within Credit Suisse, within also the Executive Board and the Board of Directors, and we collectively absolutely agree with that, 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
 
Chubb remains a growth company. And that's how we see ourselves. And it is predominantly to begin with the most fundamental shareholder wealth creation indicator tangible book value. And by tangible book and book over any medium-term period of time, we will continue to grow this company. And our share of the global insurance market and we view it globally is almost a rounding error. And so there is a lot of scope to grow for this company and it is both organic and inorganic. And the inorganic things we will do are things that will complement what we are already doing organically and will produce what we think are superior or very favorable return to shareholders. So we will use the capital wisely. And to the degree we build surplus capital in excess of what we require, we will return that to shareholders.

    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
 
The 2.2% pricing, 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
 
Well, the first one that we have is better technology. So we're winning. So if you look at our new wins year-over-year, our net new wins, that has been a very positive number for us. The second one has been because of the pandemic, now the value of our tech service team is being paid out in space. I mean, people are just saying, wow, this is really important, I need you guys in here. And so we're getting that discretionary piece of business. And the third one is, we're very, very early stages, but we're starting to see the mobility wins start to pick up. And that's long-term where I think we're going to divorce ourselves from the build rates because we're going to continue to win in this space.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
That's -- I'm sorry Michael, that's in Ohio grid mod 2 in Ohio.

    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
 
Carlos, Leandro speaking. I'm going to address BAC and then your -- Octavio, actually will address the second one regarding the Credit Bureau, OK? Pretty much at BAC we have a wealth management strategy. It's key for our clients to have the ability to have a checking account, credit cards, mortgage financing at a bank, US. It has been a long-term demand from them. And the appetite and the wellness of clients to participate has been outstanding.
Besides of that, BAC also have a brokerage house in which we can help clients to invest their money throughout investment funds and secure share in debt our equity there. So the point is, we shall be able from now on to provide a full array of alternatives regarding to banking and investment products there in Florida. Regarding to expansion, we want to feel the American market. We want to feel how clients feel this experience. But initially, our focus is to stay in Florida. We do not want to expand throughout other states.
It's important to mention that BAC has e-bank. There is an app in which BAC is pretty much able to raise funding in almost all over U.S. states. They have local licenses in almost of all US states. And therefore, BACs ability to raise funding on a very cost-effective way is outstanding. In BAC, of course, we will keep on its regional strategy of financing banks throughout Latin America and Brazil and support any Brazilian company that is a multinational. And it serves there.

    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
 
Indeed, we're being prudent with Q3 as we folded those in. It's a difficult time to manage the business as we're not sure what's happening with COVID and a whole host of other factors. At the same time, we see significant growth in stimulus. So the airbars a little bit harder to manage the business, but the impact, yeah, I'd still characterize as modest.

    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
 
It's really two pieces Michael. And we talked a little bit about this on our first quarter earnings call that was in the first quarter. On the marketing side, we benefited from both the winter storm and then there were also some benefits from contango opportunities that we entered into in the sort of early in the second quarter and late in the first quarter of 2020.

    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
 
Sarah, do you want to take those out? I think both of them are in your --

    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 significant...

    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, great question. So I mean, you think about, let's call PPE items that were really pandemic related. They are still at levels elevated from pre-pandemic. But we do not expect them to repeat at the levels that they were in fiscal '21. So if you think about our guidance, we think we would be with the PPE that doesn't repeat, if it had -- if it does repeat, then we would be in the -- on the high end above 8% from a internal growth rate. So I think about it that way, about how much is -- will not be repeating, that we don't expect to repeat, which kind of demonstrates the mix of businesses. Its going to be back close -- much closer to traditional and there is some real good momentum there to get to the growth rates that we've got it toward.

    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 have to look at it, Jamie, honestly. I think there's a lot of volatility in terms of openings. We still have construction starts restarting right now. There's some supply chain issues as well, too. So I think we can't be really definitive about what the overall growth is going to look like in '21 until we get further into the year and see how can construction reopened to the number of marketplaces and so forth. So again, but very, very confident about accelerating into '22 into '23.

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