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
 
Monday's price increase was not all that big. It was 1%. It's an opportunity to get sales excited -- get them to make some phone calls and say, hey, you got to get in this weekend because the boss tells me, Monday, I'm going to have a new price sheet in my hand. And so we use these price increases locally, and on occasion, with the nationwide program like Monday, to drive urgency. And it's very effective. So, to me what happened Monday is less about the 1%. I'll take it. I like it, but it's really about putting another tool in the toolbox of the sales team to go make a phone call and create that urgency. I'm not going to disagree with some of the other builders, and it goes back to my earlier comments that in some markets, we're seeing more traditional seasonal patterns of sales activity. So, in those markets that I described, out West and down South where we still have demand far exceeding our ability to supply, we're raising prices as we were through last winter and spring. And in other markets, where we have seen good but what I'll say is not great or not frothy demand that we saw last year, we're being more careful. I think that's the best way that I can describe it to you, Alan.

    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
 
Let's the future -- time will tell how fast, but I do think that we've had great trajectory. As you know, we've had a 8%, 9% CAGR on free cash flow over the past few years, and that should continue.

    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, Nat. Thank you. Overly conservative, I don't know, but we're -- when you look at the correction that's happening as the prices started to decline, really sort of two third into the quarter. We started to see used car values decline, that's one trend happening. So that's something we're being conservative or not, it's starting to happen, so therefore, GMV in other factors will also imply lower GMV. So that is a fact. The other fact is dealers are getting to historical lows right now in inventory. How quickly that's going to change, you're seeing a lot of folks in the automotive market predict.
We didn't want to predict really anything more than sort of [Indecipherable] we can control. So, we're predicting to your point, as we're modeling, that our new car dealers, which is where the majority of our supply comes from are going to have a low amount of supply and therefore a low amount of trades. So that is sort of what we're predicting, that is sort of what we're hearing from our new car dealers. There are many factors going on but yes, so we are predicting both. Is that helpful or are you looking for [Speech Overlap].

    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
 
Sure. So, yeah, on the sales and marketing side, we are integrated. And so the team that drives the go-to-market is now one team. And so marketing is coordinated, and sales is run by the same account management team and the same go-to-market team that runs Brink.
And this creates incredible amount of simplicity for our customer, right? They're not talking to two different account owners. They're not dealing with sort of different pricing, different billing. It all sort of looks as one, but I think equally important for us is that it doesn't allow an opportunity for a new account not to look at the product, not to sort of have the opportunity to bundle that product. And so I think there's just great logic to that.
On the product side, as we sort of move forward to the more modern infrastructure of Brink, the products have to speak to each other. We're not in the business of sort of buying revenue. We're in the businesses of building great products and these products will begin to start talking to each other. So what does that mean? From the most simple sense, these products should have something like single sign-on, right? You shouldn't have to sign for both products, but over time, you should be able to take the data from both systems and have actionable insights to come back to the restaurant manager, owner or the franchisee.
And so we think that's the next level and so we are beginning that sort of product integration. Literally, I think we kicked off a week or two ago. And so we'll start to integrate the products more closely again in this year which will help, I think, our customers see the value of bundling it upfront.

    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'll take that.

    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, thanks for taking my question. I just want to dig into the Flex adoption in contact center. And also I'm wondering, how are you looking at the cloud contact center opportunity now given that UCaaS vendors and there's kind of convergence of UCaaS and CCaaS vendor with recent consolidation? How are you looking at the opportunity 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
 
Yeah, good question. So the -- we started taking applications from May 24. The infrastructure of the Company, it's ready to go, it's set up. We had the core engine of the Company being installed at a very fast pace because it was a de novo Company. So it came up very, very swiftly and at very good pace. So as of now, we have received approximately 60 applications for mortgage, and it has been a very good experience so far. They have close to 40 people already hired. So, when you see our headcount, and we did a breakdown on one of the slides, you see that there is a combination between Amerant Mortgage and on the bank itself.
So, our expectation is toward the end of the third quarter and the full fourth quarter, we will be in breakeven and positive territory for the Company. As you can imagine, this first two quarters were formation phase, there was a lot of hiring, there was a lot of systems, etc. So, the infrastructure buildup was definitely the driver of the cost.
Going to your second question, we are doing line-by-line consolidation. We own 51% of the Company. So, you will see impact on the non-interest income and non-interest expense from the Company. And then you will see the impact of the minority interest flowing toward the bottom line with the portion that doesn't belong to the bank, that's the accounting treatment that we have selected for the Company. So, you will see when we speak about the run rate of the expenses and the run rate of the order income, the assumptions of the mortgage Company will be baked in into those numbers.

    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, Chris, this is Greg again. Certainly the closer we get and the more of this -- the finalization of all the diligence and clearly a lot of legal fees, the number will go up in Q3, as we close this. There will of course then be some of the actual deal costs that will come through. So yes, we expect that number to ramp up in Q3. I don't have a number for you, but we do expect it to be higher than the approximately say 600,000 to 800,000 that we incurred in Q2.

    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. Lamont Williams with Stifel. So just a quick question. When we look at marketing expense for the balance of the year, is this level that we saw this quarter kind of the run rate we can expect from investment going for the balance of the year, or should we see this ramp even more?

    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, James. I'd say, the biggest thing that keeps the year unchanged is the difficult of -- it's just the environment. One, we're very early in the year; but two, you just saw, if you read the journal, Wall Street Journal this morning, a big article on Ford, our second largest platform went down yesterday and shorter shifts for a while. We've seen that impact on the chip shortage throughout the world. That's significant COVID, still being where it is. So all those things sort of weigh on us, but you grabbed the pieces, the commodity exposure, freight exposure, the timing of those commercial settlements, the fact that, I'd say, we had a little bit of an elevated, we call it, $20 million to $30 million benefit in Q1 that we'd say is not repeatable. So, all those things factored in and just, with all that decided, wanted to see a little bit more of this year develop before we changed our outlook.

    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 Dave, it's Mike. That's exactly how we're thinking about it. So when we talked about the baseline for AOI at 6.5%, you can make the same case for our gross margin as we go forward. We see a lot of things happening in the latter part of the year. Notably, the thing that we're most interested in is we're seeing travel and activity pick up, investment in our accounts pick up, and that's all driving that margin as we go forward. So we look to use that as a baseline to jump into next 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
 
I haven't looked at it myself, but definitely less, 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
 
Good morning, Noelle.

    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, good morning.

    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
 
And look.

    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
 
As we mentioned before, to reflect the raw material cost increasing and the tightened capacity in assembly, we increased assembly price around 5% to 8% from Q4 '20 to Q1 '21. Additionally, since the raw material supply is still very tight, we will try to reflect the material cost to our customers in proper time again.

    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
 
Thank you, Quinn and it's Eitan here. So regarding the market review and what we should expect in 2021. So as I said in my prepared remark entering in 2021 there are two main catalysts that fueled the growth at least in the first half, which is the healthy demand in logic foundry that will continue at least in the first half. And secondly, is the growing investment in DRAM. Now regarding the second half as you know although we don't guide for the year and the visibility right now for the Q4 is not so great. I can be cautious and say that I support the analysts and the prediction in the market that saying that the WFE in 2021 will grow at around 10% to 15%. I think that if you looking right now on the segments I think that H1 probably will be fueled by logic and foundry. If I'm looking on the second half, the foundry and logic will continue on the same healthy demand basically on the 7 nanometer, 5 nanometer, 3 nanometer. And I think that that NAND -- mainly VNAND will be added in the second half as well, OK? So I am looking right now on a balance here at least from our prediction.

    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 very much. Tom, you highlighted CRM is kind of the opportunity that excites you the most. I'm just curious, like, where do you see the most low-hanging fruit in CRM and what's the homerun vision for that market as you kind of reimagine 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
 
Thanks, Troy.

    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, not yet, but I -- but we are having discussions with them. So Medicare, CMS will announce their inflation indicator here relatively soon. that will adjust our Medicare prices. And I think that's going to lead to a lot more discussion, but we're in discussion with them.
But very little movement. I mean you have some isolated things, and we've seen a Medicaid plan or to make a positive adjustment to the rates. But it's pretty insignificant to date. But we are in discussions with them and talking with them.
So not much to report yet.

    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, it'd be more near term. I mean, as we're thinking about that, some of the smaller investments in these projects that Terry mentioned. But as opportunities present themselves on a larger scale, we'll consider them and with the appropriate return threshold.

    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 would say, across our portfolio, there is going to be bolt-on opportunities in pretty much throughout the business. If I had to put a priority list together, I would say, Flexibles to reinforce some of the higher value end market segments that we're participating in, or in Asia would be near the top of the list. I think in Rigid Packaging, the specialty space in North America outside of beverage would be high on the list. So that would be from a product perspective. Returns are always going to be important. The Company is now generating 15% return on capital. So, we need to be there or thereabout as we think about investments. And -- I mean from a leverage perspective, I wouldn't give you a number, other than to say, we're going to be an investment-grade company, always have been and are committed to that. But within that, we have an ample capacity. If you think about the EBITDA, now the business is over $2 billion, one turn would make for a lot of firepower for M&A. So, there is no constraint 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
 
We sure hope so. I mean, that's our focus and intent and we have a lot of good things going with our managed care partners and we continue to have very in-depth discussions about how we can partner, take on more risk, look for opportunities to enhance services that we offer to their members, and then even just providing direct feedback and data that shows our outcomes-focused results that we achieve so that we can collaborate and continue to adjust.
So again, we see -- we've seen this kind of gradual trend over time with managed care. We -- part of it is a function of returning to normalcy, but we believe another piece of that is just our expanding relationships with our different partners. So we expect that to continue.

    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, Michelle, and thank you everybody for your time today and appreciate you spending a little bit of time to look over our third quarter call with us. We look forward to speaking with you on our next earnings call. 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
 
Well, as we said in the body of the prepared text, we expect to be seeing a regulatory submission here midyear and likely regulatory approval of both the form factor itself, so the sensor, as well as the supporting AI enabled diagnostic software, by either late this calendar year or early next calendar year, and that would be the time for us to talk about the form factor and the design. But clearly, as we mentioned in the body of the text, the work that we will be doing clinically with that, will be really to evaluate its applicability, its performance. This is a whole new way of doing detection of atrial fibrillation. We're going to want to assess the business model. And so, the work that we will do clinically after the approval is really in support of just understanding the technology and understanding the economics and the business model, so that we can support a reimbursement strategy.

    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 we've always felt, at least on a consolidated basis, we do have some level of seasonality. You typically have seen our fiscal third and fourth quarter generally better than our fiscal first and second quarter. And to some degree, FVA also has some of that seasonality. What has been very positive in our minds, and I mentioned it in my comments, literally, it's been over the last, I think, five quarters, that every single quarter, ignoring seasonality, it continued to grow and do better. I think they're -- they've got a great business profile at this point. I won't tell you that they'll never hit some seasonality issues here. But the business feels like it's got a lot of momentum that it can continue to grow from where it's at today.

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