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 first one, just on the AADC submission in the U.S. Can you just let us know sort of the cadence of interactions with the FDA, if there are any expected before the BLA submission? Have they signed off on the surgeries that have happened? And then second, just in the Friedreich Ataxia study. Can you just remind us a little bit how you arrived at that -- the 72 endpoint? I know at six months, we maybe saw a little bit of a high placebo response in the prior study. So maybe what were the changes that were made in this pivotal to potentially limit that placebo response?

    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
 
OK. Tom, do you want to take that 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
 
Yeah. So if you take the mortgage business as example, [Indecipherable] and his team have done a really good job of taking the mortgage product, we've integrated our systems, we're rolling out the expanded capability across the First Horizon footprint. And I would say that over 12 years if we develop a bad habit, the bad habit will be. We didn't really and no First Horizon legacy footprint view the mortgage as a critical part of the consumer banking relationship simply because we were outsourced on the delivery of that product. Now that we've got it in stores, we're seeing tremendous momentum pick up as people are leveraging that muscle again to really ask for the mortgage and build out that capability and as BJ alluded to in his comments a few minutes ago, we're seeing our bankers originate more mortgages for customers and a lot of that is going on to the balance sheet. So I'm optimistic that that our FHN business will continue to see opportunities to grow. We've added debt capital markets capabilities and our fixed income business, which we're seeing significant momentum building over the last two or three quarters. So I'm optimistic that on the revenue synergies side that the goals we set, which I think based on capital bank integration were relatively modest, will lead to significant revenue growth down the road.

    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, everyone. Thanks so much for the time. So it sounds like your decision to extend those two A330s was due to your view on demand, but was the uncertain timing of when 787 deliveries will begin again a factor at all? And then should we think about wide-body net growth next year, all being focused on international growth? Or was any part of this decision to keep some of those mainland routes you started during the pandemic?

    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. No, it does give us that opportunity because what happened last year is institutions went to virtual events. It's still happening. Some of them are going to be hybrid, right, in-person and virtual, some will go back to fully in-person. But our platform support all of that. So we -- in the beginning of the pandemic, maybe a year ago kind of March-April made a ton of training and webinars for our customers and shared best practices on how to drive virtual events using our platforms and that was really interesting because we had a lot of customers that had in-person events for a really long time and with our same platform, the platform that they were used to using, they switched to virtual and so we trained them how to do that with a lot of examples and sort of success stories from other customers, and so they were successful in making that shift and now they're going to choose to either continue to stay virtual, go hybrid or go back to in-person events. And all of those are available on our platforms and our customers have been super successful.
The other thing is the growth in online has been massive. We've mentioned a couple of times last year, online grew from 9% to 13% of total and all market for donations is super strong. Last year in 2020 in the US it grew by 5.1% to $471 billion. That's huge. And a lot of it was online. And so having virtual and in-person events is doable on our platforms and the choice of our 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
 
Thank you for joining us today and for your continued support of Enphase. We look forward to speaking with you again during our investor day on November 16. Thank you.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
So, Sameer, I think your comment regarding seasonality in Q4 -- I mean, Q1 is accurate and typically you'd see all-in margins on the marina business, the high-30%s, still low-40%.

    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 let Andrew comment, but again from my perspective, it's -- we always said at some point that we're going to undertake as the SBA business achieves greater volumes and we have strong coverage of core ratings from our capital intensive SBC business, that we would look to extend the duration of our cash flow stream in the SBA business by -- so instead of selling let's say, the 13 point premium per 100 bp strip maybe sell at par for a 200 basis points strip.
And the other thing strategy though we also look at is in certain markets, the IO strip is valued at in terms of recapture, years to recapture at its mispriced, if there is excess concerns on prepayments that we don't agree with. And that's another way to capture from a overall valuation perspective to capture value in the business. I don't know, Andrew, if you would add to that but...

    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, flex substrate. So, the flex substrate is -- it's -- you know, you should think about it in terms of when we talk about Z Platform. Z Platform used the new material called IGZO. But the difference between just dropping in an IGZO sensor, we didn't do that.
What we did was we took advantage of the performance that you get from that type of sensor with that material and we designed a whole new platform for dynamic detectors with the Z Platform. It's a whole new simulator, whole new electronics, whole new everything to take full advantage of that platform. Same way with flexible substrate. Flex, by itself, doesn't do much.
I mean, our detectors don't -- you know, the breakage rate -- glass breakage rate is very nominal. Weight savings will be OK. It'll be -- order a few hundred grams, but that wasn't a big deal. What we've done with our new generation of detectors that we are -- we're planning to introduce -- have customer shippable versions available in the middle -- by May or June of this upcoming year is to redesign that radiographic platform with high capabilities.
These would be premium capabilities that would bring down into the radiographic detectors and with lower-cost design, lower-cost supply chain, and the intention here is to attack that space aggressively. So, these will be very high-quality premium detectors. And while we're at it, we decided, hey, we might as well move away from glass onto a flexible substrate and you get the added benefit of robustness in the mechanical design.

    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
 
Good morning, Tim.

    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. This is Blake. We have seen some mild inflation in Q1, really just with the pickup in activity across the Permian, which we expected to see. It wasn't a surprise. Really what we focus on is working with our service partners to maximize efficiency and reduce downtime. Those lead to ultimately lower cost per foot, which is what we're after. And so we're going to keep driving that as hard as we can and currently believe that will offset any inflation we might see.

    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 don't have any union employees on furlough. So, we've got the full team in place and we're hiring daily. As Darrel mentioned, our hiring efforts, I'm excited about the 16 Driving Academy and the attention we're putting around that. And my plan is to continue that hiring even through Q4 and Q1 when we normally don't operate all of our stores because any extra labor that we can bring home, we'll use that to reduce our purchase transportation exposure.

    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, that's probably a good question for our channel partners. But I'll tell you that in general, we're seeing strong demand across the board. Certainly, in plumbing, we maintain our leadership in the retail space, very strong position and strong growth in trade. International, we've seen broad pickup across our international businesses, particularly in our main markets in Central Europe and in China. So that's strong. So it's really broad-based in terms of demand drivers, channels, geographies.

    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're looking at basically what we've always looked at. I mean, we're buying from physicians. I mean that -- other than the serial entrepreneurs, the physicians are probably the biggest source of our acquisitions. I'm thinking through what we've got currently in the pipeline and everything. And the biggest thing is the physicians. And there's a number of reasons why they're interested in doing it. And again, the reason why we're able to do it is because nobody else is buying $3 million to $6 million properties. So we go in, we set a price, and sometimes it takes months for them to come back and say, OK, we'll take your price. Because they got to go out and they got to reconcile that this is the price for the market, and nobody else is going to offer them anything better. I mean, it's kind of the same market that we've been in for the last five or six years.

    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, we'll see. I mean I think Q4 is a big question mark right now in the model. And what we -- one scenario is that a dramatic portion of -- a pent-up demand, plus inventory that had to be restarted got pulled into the first two -- two quarters and possibly a little bit of the third quarter. And so, then by the time you get to the fourth, which you've got a tougher comp. We have started to see growth come back toward the end of last fourth quarter. So it's a different comp you're chasing and could the residential markets go flat, even slightly down, slightly positive in that range. So you're -- I think if we see the professional tools business is doing very well in the second half, both in terms of comps, but also just demand improving. Cold chain is going to be steady throughout the year. So it's really a residential story. If residential has another wave here and stay strong and you have a hot summer, you have a very strong buying market in the housing market, I think that there's a lot of folks that didn't participate in the last wave of this housing remodeling and purchasing that may be on the sidelines, ready to go. It could -- that it could extend, we can have upside, but it's too early to tell, and so that's -- but that's going to be the key thing.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
I don't want to say it's increasing from 2020, but I'll say that we're maintaining a relatively high level of capex spend as we look for future expansion.

    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 Phebe, can you provide some color on the overall cover profile at Gulfstream? Are there demands from corporates or individuals, U.S. versus international?

    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
 
Okay, 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
 
Hey say, 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
 
Yeah. On the inflation side, we have experienced some inflation on branded supplier products, of course, due to raw material shortages and increase in labor. We've seen some price increases in PP&E products. Well, those seem to be moderating now.
Our private label is seeing some price inflation. We expect that this will moderate. Companies are getting back into full swing, have a lot of overtime they're incurring to catch up. So I think there's going to be some inflation.
I think it's going to moderate, number one. Number two is we are passing a lot of this on to our customers. But where we see this as a short-term issue, we're not doing that. So we're not super worried, but there is some pressure here due to the supply chain not quite being back to where it was in 2019.
Container costs are up. As I said, overtime is being incurred by manufacturers. So I don't think it's alarming at this point. And if it were sustained, we, of course, pass it on to our customers but also work with manufacturers to contain this increase in costs.

    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. One for Mark and one for Mick, if I may. Mark, I think in general list pricing in the six [Phonetic] maybe two to three months to go into effect once announced. If this is accurate and given that you have some other I guess arrows in your quiver besides just list pricing, why won't pricing be a tailwind until the first quarter? I might have expected some of the conversations you're having with customers, to be honest, to be started a bit earlier and for net pricing to have started offsetting your cost a bit sooner. So I'm just trying to get a little into the weeds there.

    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
 
Paul, a bit complicated. So, let me tell you, its Grain Belt is the name of the line that you are referring to.

    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, Atul.

    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
 
So I'll take the fill rate question, Spencer. No, we do not believe we are below the industry, and matter of fact, we think we're above the industry because of our purchasing scale. So we also do quite a bit of our volume through Fresh. And the Fresh categories have been not impacted to the level of the center store CPG category.
So we think our fill rates are actually above the standard in the industry, albeit the industry is much lower than we wish we were. Do you want to take the question [Inaudible]

    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. Good morning, Chris, and welcome to the coverage. Being a commercial bank, we are actually quite comfortable with our current approach of buying the MBS securities. They carry far less capital that you have to hold on them. We feel we have the expertise to manage it. And so that's where we choose to put that liquidity on the mortgage-backed security side. And then from a pure business standpoint, we are comfortable with our current business mix.

    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. We did. As I mentioned in my commentary, we had some favorable mix in Q3 for sure. And we have a little bit of unfavorable mix in Q4 as a lot of these big projects that essentially have been built in the backlog as we've grown the backlog during the course of the year, are expected to be shipped in Q4, and a lot of these big projects just carry slightly lower margins than the components business. So I'd say it's really, once again, nothing to worry about. It's really just a function of mix in the quarter.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Hey, Julien. How are 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
 
Yes. So, I encourage everyone to remember that the -- we have a tenant reimbursement line item in our revenue that relates to the projects that we will perform for the GSA during the term of the lease. There's an equal offsetting amount in our property operating expenses, as we obviously finance the project and then the government reimburses us. So, when you're thinking about operating expenses to truly operate the property, you need to peel out the tenant reimbursement amount from opex. And so, if you were to do that, John, I think, you would see very consistent NOI margin year-to-date year-over-year. And look, CPI is obviously something we're aware of. We have the benefit of our opex basis in our leases, which will also grow with CPI, nearing 5% to 6% this year. And so, we feel well insulated.

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