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
 
The development and purchasing sort of non-stabilized real estate is the best use of capital. We have disposition proceeds where we're trying to manage our tax basis by reinvesting via 1031 exchange. So in those areas of our business development and the non-stabilized real estate, right, we could produce yields that are above where we can buy fully stabilized real estate. And obviously, there's an arbitrage between producing that higher stabilized yield and where those assets would get revalued in the private market. So that aspect of our business is working well for us.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes, Maria?

    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 so much. I really appreciate your support.

    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, sure. First of all, say, we're still in a very strong demand environment with the Fed buying 95% or so of all conforming mortgage production today. The demand environment's very strong. One thing to remember about us, as well, as a market leader, we also benefit from the scale of our business when we execute into the secondary market.
So we have advantages because of that, so we've seen gain-on-sale margins of 4.52% in Q3 of this year. And then we saw continued strength as we came into Q4, coming in at 4.41%. And then as we look ahead into Q1, our expectations, as I said, for gain-on-sale margins are between 3.6% million and 3.9%, and this is up from 3.25% in Q1 of last year. So margins are still well ahead of where they were a year ago.
And then I'll also point out at the same time, we're still seeing strong closed loan volume. Our closed loan volume in Q4 of $107 billion and then looking ahead into Q1, between $98 million and $103 billion: with those numbers, that would be the second-biggest quarter in our company's history. So to put this in perspective, just a little bit more, the midpoint for our guidance is roughly 95% higher than our Q1 volume. So the flexibility of our platform that we've talked about allows us to really run our business for long-term growth and for profitability in any environment.
And we're really feeling good about the momentum that we're seeing.

    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 those products are still expanding a lot, right? So the adoption curve for our customers is -- they usually start small and then they grow, and they expand the products to more and more and more of their business units and various activities. And so log and APM look different, but they keep growing with customers that way. So even when we say 70% of the customers have adopted the product, there's still a lot of growth to be had within those customers.

    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 price increases that we've received from many of our components supplier ecosystem group has not been something that has been deemed to be permanent although I think we are assuming that the price increases that our entire industry is seeing is likely to be elongated. Those those price increases really began in the May, June, July timeframe. Some of them came as late as September, some of which were already experiencing price increases, some of which we won't see the price increase until the first part of next year. I think what's important for everybody to appreciate and I think it's, frankly, consistent across everyone in the entire sector is some of the price increases affect current backlog depending on when raw materials were pulled in either to one of our contract manufacturers, or in our case, to our Florida manufacturing facility.
And other components and raw material are scheduled to be delivered in` 2022. What we decided to do, and we've put a lot of time and energy into this, we spent a lot of time with a lot of our Tier 1 customers and channel partners, was we began increasing prices October 1st. And we're using this term commercial strategies because that's really what it is. I mean we're being very thoughtful about the various price increases across the various portfolios but we believe that the price increases that we've implemented will more than offset the price increases that we've been navigating and will navigate over the course of next year.

    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, just real quick. All I can tell you is that we have seen acceleration from the book of business that we have been able to touch. Jennifer talked about that, we think if we've been able to achieve more price on that as we move throughout the year.
The larger question that you asked about growing that business faster than industrial production, which we've committed to over the long-term, we feel very confident about the products that we have within our loop network. We dray a tremendous amount of business. We do a lot of trains loading for customers.
We're playing in those areas today. So it's not something that we cannot do. We're also providing whether you call it team tracks that are out there, whether you call it added services with chopping up some of the wood or aggregating some of the cement and rock. We want to continue to build that out and provide more of those services. And to someone that asked a little bit earlier provide a little bit more of that shipment visibility to make it stickier for our customers to move on ourselves.
So, that's something that we will continue to do. That's something that we have to do. We have to make sure that to the customer we look not just only like a railroad but a logistics transportation provider.

    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, Jason. So in the second half, our EOS guidance is implied at $19 million, which is mid-teens growth. And that reflects really kind of core EOS revenue. So kind of think about the maintenance revenue, as well as the revenue that we gain when we sell a unit and deliver it and transfer the title. And so that is really very EO specific. As I mentioned earlier, the ultimate economic reflection of the EOS transaction is going to come both in the form of EOS related revenue as well as the pull-through of our products and services kind of on the core ATEC side of the business. And so ultimately, that will be the reflection of the value of the transaction, and it will come both in our hardware products and services as well as EOS placements. In terms of how to think about the EOS revenue in 2022 and beyond, the second half really reflects the order book that we've seen. And so ultimately, that order book is there. We're working to do those placements and deliver on our commitments. And our ability to drive growth there is, of course, dependent to our ability to drive interest in yields. And I'll tell you, I like our chances there. I think we've got great interest from the ATEC friends and family, and I'm quite excited about what the future holds as it relates to the EOS business, both kind of core EOS revenue, as well as the broader reflection of the transaction as it relates to implants.

    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. Hi, good evening, guys and thank you so much for taking my question. I just have a one simple question. Could you run through the details again about your Q4 non-operating gains because I kind of missed this part in the beginning?

    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 mean, some of the...

    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. Jack, congratulations on the new role. Matt, on the Fort Lauderdale hotel, can you remind us where RevPAR occupancy was pre-COVID, where it sort of dipped and where we are today, just to give a sense on the recovery there?

    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. Tom, this is Mark. Yeah, I think we're pleased with the demand profile and the business in the broader LED sector and certainly in the markets we play in. I think that with loss in the LED industry a little bit and a downturn for about last two or three years and there has been some new signals, positive signals on the demand side of the house and of course the operations team at Cree LED did a great job in reacting accordingly. And we think there -- we think that there is potential that we're tapping [Phonetic] this thing on a trough and there is some upside growth as we predicted at the Analyst Day or forecasted at the Analyst Day kind of a mid single-digit growth, 4% or 5%.
And like I said, we are investing in this business, we want to grow it, we didn't just buy to harvest it. Initially we were looking at kind of -- that we've talked about nine months ago right now back in October, so -- or six months ago, I should say, we were looking at a business that was kind of traditionally doing about $100 million a quarter. But the market is starting to turn a little bit more favorable on the demand signals and we're kind of bullish on the opportunity to grow from here.

    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 I want to reiterate this point that I mentioned in my prepared remarks, which is you are seeing that shift -- that mix shift to a higher percentage of our revenue in subscription. And that is consistent with how we've talked about this, and that is a trend that we can -- that we expect to continue. Along those same lines, you will get some variation quarter to quarter in the services business.
We've also indicated that, and you'll see that in our historical results. The demand continues to be strong across our services. So what we saw is some variability here, and we've updated the model and our guidance in accordance with that variability that we experienced in the current quarter.

    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, good morning everyone.

    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
 
Hey, Stephanie. 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
 
Thank you, Ken.

    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, yeah. Sure, Andy, again, this is John. The breakout of the non-recurring in the fourth quarter, about half of that is business transformation and integration costs. The other half is COVID. We saw a slight uptick in the quarter driven by the Delta variant in the quarter. Like all companies, we don't know when that's going to subside, but we would expect that to subside on a quarterly basis as we get into fiscal 2022. On the IT and infrastructure there are several technology initiatives that we have discussed among them continued another version of our ERP going to 2.0, the sales force and CRM. But we expect those like COVID to certainly slow down as we head into 2022.

    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. I mean we use the FAA strictly as I said, strictly as a hedge. So if we charter in a ship for a year, let's say, a good example would be one year with an optional year. We can sell a derivative at the same level, effectively locking in a breakeven for the first year.
We've created what we call asymmetric optionality by having a free option, right? We still trade the ship for the year. And we can hopefully add incremental value around it, but we're not exposed to the market. So typically, our FFAs go out about a year, when we do a ship, a one year charter or one option one. We could do longer if there's a longer charter, but it's pretty backward data down, as I said, 18,000.
We don't think that's fair value at the moment, given where physicals are. So you couldn't charter in a ship today for a year and selling FFA because you'd be on the wrong side of $4,000 or $5,000. Given where we charter out that Supermax. So at the moment that that play doesn't work, but at times it does.
So typically, I'd say a year, we're not limited to a year, but again, that markets pretty backward dated. And so for that reason, it's just not that attractive right now. So that hopefully that gives you an answer, but it's strictly on a hedging basis. So there's got to be a reason on a physical asset, why we want to enter into that FFA.

    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. Thanks, Simon. Brad, we're ready for the next question.

    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
 
Sure. So we are a firm believer that transit is the best way for smaller networks to connect to the public Internet. However, there is about 10% of the market that have chosen to use single location exchanges such as they may be replicated in multiple markets. We took advantage of our unique assets and built a global exchange where there is no distant sensitivity, and there is no fixed port commitment. That has been very well received. We have sold 100s of ports to 100s of networks.
Now it does require the networks entering the exchange to affirmatively agree to exchange traffic with one another. Where when you purchase transit, that becomes the obligation of your upstream provider. The vast majority of our traffic still goes through transit. It's easier to use. It's cheaper. And it provides more scalability. But there is this 10% of the market that wants that direct control feature of an exchange. And I think our exchange has been very successful. I do think there is a network effect. And our transit business has a 20-year head start, but we're very encouraged by the early adoption of the exchange and the hundreds of customers who have chosen to connect to them.

    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. The patient with the elevated ALT, Liisa, had a liver fat content of baseline of 3.7% and that patient dropped below the limit of detection. So that patient was not included in the analysis that we just provided. But I would also emphasize the patients that we've reported on with much greater reductions in liver fat content, as I just mentioned, from 19.5% to below quantitation, another one 17% below quantitation.
I could go through the series here did not repeat did not have ALT drops elevations. So consequently, although that might have been the framework for initial conjecturing hypothesis generating. The data that we have that we're reporting now does not confirm a relationship between the drop in liver fat and the ALT elevation.

    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 really, no. The mix change as John talked about was relatively small and more associated with different regions growing that tend to be higher mix like Europe growing quite well. And that tended to be higher mix and our spas continue to grow, which is a higher price point. But we're not seeing any mix shift as it relates to pricing changes.

    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, John, we'll do what we always do as we see those volumes come out. Particularly in refi, we'll have to adjust our expenses accordingly, whether you can maintain a 36% margin is really a function of just how far it's falling off. But we're pretty confident that we can manage the expenses as those orders fall off, if they do.

    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 the way that I think about the investments in bioproduction, that's always been a very rapid growth, double -- strong double-digit growth historically, right? And you can glean from the comments over the many years that when we look at the other companies in the field reporting and we're comfortable saying we're growing faster or gaining share, that means that while we don't get down to the micro detail of how each of our sub-business is performing there, we're doing very well. And the expansion of $600 million of capacity supports that growth for a number of years. We're pulling forward programs that we had online so that we can sustain very strong growth for many years to come. And when I look at the Q1 performance for bioproduction, the business has been extremely robust. And that takes account what others have reported so far.

    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
 
Well, thank you, Jeff.

    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. Dave, Good morning.

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