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
 
No. I appreciate the comment and the observation of our advantage in this area. And I would say, no, there's nothing that our competitors are doing of note. I would say some of the stronger competitors we actually see in this industry, I won't name them, but have somewhat of a legacy-based architecture, but they're really strong in the functional depth of it.
But when I go look at our more common competitors, this is not a business problem that you can solve overnight. And I might have referenced this in past calls, but as part of our ability to support that bureau of content, we have to actively support thousands of insurance firms that are pre-integrated with our software out of the box, we can pre-fill those forms and issue those out to an insured and perhaps when we buy in the policy. And when you have thousands and thousands of forms and you need to have some real deep industry acumen, that's a tough hill decline for competitors. And to your point, that's why we have such a moat around that aspect of our business for sure.

    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, Vincent. No, we have not received that at Rent-A-Center or at Acima. We did not get the -- anything from California that you're referring to. We -- I would only add to that, that we follow the laws in every state. California has a lease-to-owned law, the current act, and we follow it. And -- but I guess the short answer is no, we didn't get that letter. And I'd also remind everyone that we franchised -- on the Rent-A-Center side, franchised California last fall, so we don't have any corporate stores in California on the Rent-A-Center side. So that's a little more color.

    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
 
Matthew, it is Rich. So with respect to RINs, the plant has historically exported, call it, 15% of its transportation fuels, gasoline and diesel and can blend about that quantum at the rack there. So call rent, call our exposure here, 60% or so. I'd point out that this has a plan is a relatively low diesel cut, and that's went into our thinking.
As you look at PADD five in general, and the closures that have been announced versus what we're seeing in renewable diesel, we'd expect the diesel market that's in balance and the gasoline market that's actually short. So where we feel like this plant is really well positioned. And frankly, our company and you consider our renewable diesel investments are really well positioned vis-a-vis that 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. I...

    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
 
Most of the numbers I look at, EIA has the highest numbers. They're at 11.85%. I think they're way too high. Most of the other tanks that I look at, they're around 11.5%. That's probably more realistic. But I'm still looking at about a 5% growth in the Permian, and most other basins will be flat to declining. And when you put all that together, we'll be lucky to grow 5% a year over the next several years in the U.S. lower 48. That's my general opinion. And I think as more companies deliver their free cash flow model, they can't change it. So just like Diamondback committed to 50; the Cabot-Cimarex merger is committed to 50; Devon was committed to 50. So more and more companies, whether they commit to 50 or 75, they're not going to change. And so I'm getting more comfortable with the fact they're just not going to grow that much U.S. shale, which helps. We can now take the next question from Scott Gruber from Citigroup.

    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
 
Chris, it's more systematic. You're just kind of following it. We're not trying to opportunistically time the market. We said we would allocate our cash flow, two-thirds to the repayment and one-third to the buyback.
And we've taken more of an annual view of that, and we're just systematically going into the market buying back.

    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 it sounds like your question is really a financial question. Dave why don't 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
 
So, the COGS that we have -- the COGS benefit from the API that we have already expensed will take place over a period of time, starting with the launch and then, obviously will go back to more normalized levels. So, we will actually use what has already been expensed, it would be reflected in lower COGS.

    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, from your lips to our patients, their cosmetic needs. we are seeing some preliminary signs a bit early to call the ball again. From a quarterly perspective, we've been pretty flat around $800,000 or so and would expect to see some recovery as we get into really next fiscal 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
 
Yes. And as you can see, we saw an increase in their spend as well. And some of those -- I'd say some of those global 10 are stronger position than some of the others. I'm going to leave them nameless. Some of the folks that have really have made that transition to a cloud and SaaS-based strategy of doing quite well. Others are trying to catch up. But a lot of those companies were very heavily focused in face-to-face events, not only in North America but throughout the regions.
So that transition, if they were trying to get online and be digitally driven and do a digital transformation, that has been accelerated. If they were looking at it over the next three years, that happened in the last 12 months, and now we're starting to see those global 10 focus on digital. We're seeing an always-on strategy more than we've seen before, but that could still be a little bit choppy. I would say, I'm glad you pointed out, that the concentration is roughly 20% of our overall business.
10 years ago, it was over 40% of our overall business, and that was too weighted toward those guys because they can be a little bit unpredictable and they can have quick pullbacks and quick acceleration. So we're really happy. It's been a big focus for us by driving net new logos and driving the mid-market and even that upper end of the mid-market, a low enterprise, that they are at a 20% overall concentration rate.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
You're right. Right, Mitch. It's a combination of things. Some of it is the higher digital penetration.
Some of it is the difference in full price selling relative to two years ago. And a big part of it is that more, more digital business is going to drive that reduction for this quarter versus two years ago.

    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 guys. Thanks for the question. I want to go back to the -- good morning Tod. I just wanted to go back to the kind of commentary around the restocking, I guess you kind of a little divestment with your earlier comments, but it's your sense kind of that the supply chain is not in a position to kind of meet the demands of a restock and I guess if I'm looking at the production rate that you early partners and then your commentary about utilization in the aftermarket channel, I mean that's amazing kind of should be suggesting a more meaningful restocking at this point in the cycle. So the question is we can produce to that and you kind of expect to see that more meaningfully as we look into the 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
 
Yeah, thank you for taking a follow-up. I guess my question is sort of on a cost structure kind of in general. And I'm wondering, Trish, you have a fairly short cycle business. So I'm sort of assuming that you are kind of fully experiencing the full force of higher input costs, higher freight, the supply chain disruptions. Correct me, if I'm wrong on that. I guess I'm just wondering is there potential here for things to actually get worse or more challenging as you look at maybe like Q2 or Q3 in terms of how this -- these inflationary pressures flow through your P&L or not, or are you basically caught up with the environment and that is what it is and it's kind of reflected in the recent results?

    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 going to take two more questioners, and we're going to try to do it pseudo lightning rounds so we hit the time frame for everybody. So next question, please.

    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. Maybe I could kind of frame it in a slightly different way, Ketan. So, as I look at the composite products that we provide, more and more of those are do-it-for-me projects as opposed to do-it-yourself projects. They're spending a lot more money on them and they want to make sure it's done right. So what we're seeing with the composite is consistent with that. And what we're seeing on the DIY side for the ProWood decking, for example, that's much more of a do-it-yourself type project. People feel comfortable doing that. And it's kind of consistent with the overall theme that says, hey, maybe people are taking a pause and they're going on vacation and they're doing other things now that they are able to do it. So, I don't see anything that says the composite demand is going to fall off, again absent some other kind of change in the economy that isn't obvious today. So...

    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 very much for your participation in SAIC's first quarter fiscal year 2022 earnings call. This concludes the call, and we thank you for your continued interest in SAIC.

    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, Melissa.

    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
 
Paul, let's Drew and I tag team this one. Let me go first and I'll shut up and let you go. But here's what I see. From my past work at the Fed, I'd love to break the industrial segment particularly as a great leading indicator into 10 big segments for Southern. And then not only do I look at period-versus-period results. Virtually all of it is still negative compared to a year ago, obviously, pre-COVID. But the momentum statistics are really illuminating now, and they have turned positive. So of the 10 segments that make up something like 80% of our industrial sales, eight of them from a momentum standpoint are turning positive. So that tells me, and with a quote that has been put out there by me in the past, America is learning to live with COVID. A, I think COVID incidences are starting to decline. Maybe that's the normal sign wave we see from any surge, which we just went through. And maybe it's the longer-term effect of getting more people vaccinated. Didn't the Biden administration say recently, they want everybody vaccinated by July or sometime this summer? So surely, that will have an impact. But the economic data I see would show a recovery, I don't know, down 3% last year, maybe up 2% to 3% this year, with industrial starting to respond in a favorable manner.

    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, its the same trend as it has been historically for us -- 90%, 95% are cash buyers. And just part of the point I'll make on the used home. We've reduced our used home inventory from a rental perspective pretty consistently over the last five to six years, it's down 20% year-over-year. So some of that is just going to be a driver on the used homes that are actually available for sale. Another part of it is just due to reduce mobility at a time of COVID, but that's been normalizing over the last quarter or two.

    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, operator. Gentlemen, good afternoon. wanted to talk a little bit about the drayage capacity. In 2Q, what percent of your business was going third-party versus your own internal drag?

    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. Again in the markets that we operate in those economies are open and people are beginning to move around. There's a lot of pent-up demand. And as a result, we see hospitality sector, whether it would be restaurants or hotels continuing to -- their performance continuing to improve. Probably the biggest challenge they face is -- is workforce and hiring people to work. Hear number of stories, sort of, anecdotally, over the last two plus weeks about restaurant service being slow in so many places because restaurant owners are having difficulty bringing their workforce back, but people are getting out. And there is -- I think a significant indicators that people are going to be traveling a lot this summer. And so again, thinking about the markets we operate in that bodes well for those economies. The energy sector is doing better for sure. So all-in-all, well, credit continues to improve. And based upon what we know today, we'd expect that trajectory 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
 
This is Nick, and I'd be remiss if I didn't call out how heroic our 10 teams have been. I mean in everything from being able to secure the freight, being able to secure the raw mats, being able to, as Pat referenced in resins and or to find new resin suppliers get them tested and through the system really quickly and get that behind us really remarkable.
And I think as you see the market GAAP to our performance, and you see the outperformance of our business increase in an environment like this, a lot of that is really attributable to that team and their ability to keep our customers supplied and they've been at it for a long time now. I mean you can go back to plywood tariffs in 2017 where we had to change at a $100 million with the buy out of China into other geographies and do it very quickly. They've really become world-class experts at managing this, and so they are just excellent. And that's what gives us the confidence to basically say we'll manage this.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
You're breaking up a little bit, Steve, but I think I got your question as what's the underlying leverage. And I would tell you, it's a little hard for me to ex everything out from a restructuring perspective, ex out organic volume, price, raw and then give you a leverage. I would just tell you, when you look at the bridge that we have given you, we did see volume growth but that was offset by the productivity from global supply chain, as well as growth in productivity and increased litigation costs. And you can see that hurt us 1.4% on that productivity basis.
That's the way I look at it, Steve. It's very hard. And I think it would be unfair for me to just ex everything out and then tell you leverage is good because I don't think that's the way we look at it. Because for me, ultimately, it's the all-in what I give you versus ex-ing stuff out.

    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 John, let me touch base with you offline to give you a more specific number. We're not doing a whole lot when you look at the grand scheme of it and the size of how big we are. So in my guess, it's probably maybe a tenth of a point to two-tenths of a point in terms of helping the new lease side. Let me go back and check my notes and we can -- Greg and I can touch base with you offline to make sure I'm not speaking out of turn with them.

    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. There were some benefit -- well, the biggest benefit, which was in effect at -- thank you. It's a good point. That's not a necessarily a go -- well, hopefully not a go-forward benefit was this year we did not have bonus accruals or incentive accruals up to the level. Last year, it's actually -- both went the wrong way. Last year, we had a very good end to the year and increased our incentive accruals in the fourth quarter. This year, we obviously are not meeting our plans. And so we had the incentive accruals go the other way. So it was a benefit of almost 90 basis points in the quarter. That's obviously next year we would hope to have a normal level of bonus accruals. And so that's the biggest difference. There was some -- the rest of it's just noise between fuel hedges and there was expense savings as a lot of companies maybe haven't talked about it that much on metal costs and others as due to less people being sick that we had a benefit as well.

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