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
 
Yeah, so the way that we do development inside the company, you can think about it this way. We have an advanced technology organization in which we drive our innovation there. That innovation then is turned into a product, given our validation of market need and fit for that product and the product is developed through that part of our organization. When we achieved commercialization, that product now is on the shelf, if you will, and available to our sales team or business development organization to offer that product to customers for sale.
When that product is commercial, then we have an engineering part of our organization that we call our operational engineering organization, and the product then really falls into that group in terms of how we maintain the product and service it on an ongoing basis between them and our customer service organization. So as we develop products, we then -- if you hand them off, if you will, to our commercial organization to then be able to offer those products to customers and work directly with customers on sale of the products. Did that answer your question?

    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
 
And then EPSi acquisition -- integration with Strata is ongoing. So that's going very, very well. I think there are some customers that are choosing to go with Strata, instead of EPSi, which is a wonderful thing as that thing is coming together and so that again could give you a couple of million dollars of revenue here there that ends up Strata versus EPSi. But overall, they're -- both the deals are on track to our model as Neil mentioned.

    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 understand. Yeah, so when we talk about investment opportunities, I think what we had refer to is, yes, invest marketing dollars in terms of driving GO2bank and driving customer acquisition with GO2bank have already given the unique economics on that. So I think that the return on investment there is very strong and so we will be very aggressive with those dollars. And then the other areas of investing is more of investing in internal systems and internal operational improvements in the business. So around the modern banking platform is one example, customer service tools is another example. So, that's when we speak of investing, that's what we're 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
 
You know, happy to, Actually, I think it's a little bit misleading. I'd point you to Pages 38 and 39 of the supplement. If you look there, what you'll see in terms of what's driving that is the amortization of essentially the VOBA asset from the acquisition of AAC. If you remove that, which is about one point for the quarter, I think you'll end up seeing that it's down a little bit on a quarter-over-quarter basis and on a year-over-year basis, so not really much to report. Happy to go deeper if you want, but that's effectively what you're seeing going through there is a little bit of amortization associated with VOBA.

    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
 
Mike, I -- we are hopeful that all of that is closed by the second quarter of this 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
 
Good morning, Brian.

    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
 
Great. Thank you, Trip. Thanks.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Hey, good afternoon, and thanks for taking my question, and good morning. And just kind of curious on the Industrial segment. I think last quarter you talked about two to six segments being at peak, you talked about all being up in April quarter. So, just any color by segment there? And if any more of them are at record revenue? That would be helpful. Thanks.

    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
 
Thanks. Mark, I can't help but notice there's been a number of announcements lately across different jurisdictions on the resource nationalism side, and it's not just traditional West African challenge, I guess, for Randgold. This is something that's also present in South America and also in Nevada. I'm just wondering from your perspective, and obviously, given your decades of experience, what trends you're seeing? And if this is a greater risk today than perhaps what you've seen in the past?

    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. Thank you. I wanted to go back to Aeronautics. And when you described the lower Aeronautics revenues in 2022, you referred to opportunities long term to reverse that.
Those are things like the sixth-gen fighter new autonomous systems. But I think of those as being fairly long-term and fairly uncertain. If you look at that revenue trajectory the B-21, we should certainly see strong growth come about from that. Do you see that as sufficient to reverse this trend? And when might that grow to a point that we would see that?

    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, guys. It's Damian on for Ramsey. Thanks for taking my questions. I wanted to ask again on margins here.
But maybe I'll do it in the context of employee travel. I think, you know, obviously, as the world starts to normalize, the expectation is that there's a little bit more employee travel. So to the extent that that is included in your margin assumptions, about to get that. And maybe on that same subject, Ark, we'd love to just get your high-level thoughts on sort of this virtual delivery, you know.
In the thick of the pandemic, I remember your view as sort of, you know, it's going to continue to stick around for the long term. But are you all seeing any change to what your clients are looking for in terms with -- of how you engage with them?

    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
 
Todd, do you want to start that, and I'll jump in? Or do you want me to take 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
 
Yes. That's absolutely driving demand. So two things are happening in the industry. There's still a great deal of people that are working from home or working partially from home and partially from in the office on different days and different shifts within days.
So the coordination of all of that is something that the enterprise is looking for, and we're doing our best to prosecute the opportunities.

    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
 
Christine, we have time for one more question.

    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. Thank you. You're welcome.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thank you. Good morning. I had a question for you on interest rate sensitivity. And when I look at your table on interest rate sensitivity and kind of drill down to the OCI component, I noticed that the impact through OCI from a 50 basis point parallel shift is still about $250 million this quarter versus last quarter, so it hasn't changed. And I understand that you round that up to -- down to the nearest $50 million, but maybe could you speak to what's helping you minimize the interest rate sensitivity or the impact of interest rate shifts to LICAT? And how you've managed to mitigate that risk?

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
No, we have not exercised the 7.1% when we do. When it occurs, we will announce it to the market, of course we will. And you will know when and if we achieve the majority control, which we expect to do.

    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. So a couple of things. Matt, we did have actually in the quarter -- I may not have been clear. We did have significant pay downs in the second quarter and still we're able to produce the 14% loan growth. So we -- our originations were really significant in the second quarter -- our new originations. And then when we look at fundings -- and so moving to funding, we got a little bit of help, particularly in our -- when I say particularly we didn't get much out, to be honest with you in the fundings on our lines just in the -- call it $20 million-ish I'd say on our C&I loans in terms of where existing loans that were funded this quarter above where they were last quarter. So we did get some help in utilization there, but it wasn't a huge contributor for us. Yeah. Then we're still below pre-pandemic for sure specifically in 2019 probably just around 5% probably round number, if you go back to early 2018 -- early first quarter, second quarter, fourth quarter 2019, actually if you go back all the way back in the 19. We're still probably in the 7 or 8% below utilization rates.

    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
 
But otherwise, from -- as I look at it, penetration rate and the take rate on our storage customers and our equipment sharing customers, they are still using the insurance product. So I'm not too concerned about that. I think the programs are still thriving. I think maybe that three-month lag is causing it to look a little bit off.

    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. As you may recall, we launched centralized decisioning to our entire store portfolio in April of 2020, as the pandemic hit. We'd had 200 stores or so. Prior to that, that we've been testing for over a year and seeing great results. We rolled it out for the rest of the portfolio then. So, what you're seeing now is this 80%, is effectively we're approving everybody that comes into our store, almost everybody through centralized decisioning.
But, it has to bleed into the portfolio. We have leases that were manually decisioned, pre-roll out, that are rolling off and so. And we would expect to see kind of mid next year us getting to approximately 100% of the portfolio decisions through that. But, we're enjoying the benefit of that this year and we should sort of get that additional 20% over the next six to nine months.

    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 Tom, this is Steve. We, at the end of a 2019 we put an additional controls, both for reserves, which we demonstrated in when we put up additional reserves throughout 2020 along with a focus on capital deployment. So as we sit here today, we will continue to enhance those controls. But we also feel like we've got a very good handle on our capital, our deployment of that and we have taken underwriting steps in late 2019 relative to Tri-County. We've not been writing business there. We did disburse business across Florida quite nicely in 2020 and road in lot of markets where many of our agents felt our rates were too high. But as the market hardened we became a viable contender in many of those spots. We do not see with the way the market is right now being wide open in Florida in 2021 for a whole host of reasons, one of them being adverse selection, if you're the only game in town, it's not a very good place to be within the insurance business. So we're going to be somewhat more conservative in 2021.

    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. I think, Marco, it's best to, currently on a TTM, it's below our target range, but we think there's enough room for improvement. So we can get it within our target range. It's similar to some of the other acquisitions that we've done in the last couple of years. We do believe there are a number of synergies, particularly, as Jennifer mentioned, about pushing the product through the channel and expanding production into some of our other facilities. So we think there's room for improvement of the margin, but also gaining some benefits on the synergy side.

    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. There's definitely an increase. I'm sorry, Gary. Yes, there's definitely an increase in severity, but I'd say it falls into a couple of different areas, or a few different areas. One, there's just the normal rate of inflation. Two, we are certainly seeing some impact of supply chain issues driving up costs of repairs. But one of the biggest factors we're seeing from digging into the data is, when you take out some of the smaller events, what's left is just -- has a larger average severity. And that's accounting for a lot of what we're seeing in the increased severity.

    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, thank you very much. Could you discuss Zepzelca in some detail, please? So, the sales were I think up very marginally sequentially versus the fourth quarter despite the product only being in it's -- effectively in its third full quarter of launch. And so if you could just talk about that performance sequentially? And then the outlook looking forward for sequential growth. 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
 
On a year-over-year basis, Coatings is seeing improvement because they had such COVID issues in the first half of last year.
ESS had Coatings, -- or, excuse me, COVID restrictions in the first half of the year. So, our first half is that way. The Telecom growth is -- the majority of that is volume. And then in utility, there is some volume, but mostly price.

    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
 
No. We have plenty of funding and capital for them to continue growing at their strong growth rates, so long as they can find assets that generate good risk-adjusted returns which is their mandate to be deliberate and patient but also opportunistic. So there's no shift in sort of their growth trajectory or anticipated growth trajectory due to the acquisition.

    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
 
Mig, I would tell you the quick move in the logistics in particular with the Suez Canal and some of the real recent supply chain constraints, are trying to reflect that properly, and then we're able to recover as the back half of the year concludes.

    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 in terms of our backlog being at record levels, George. And focusing on the services and revenue -- recurring revenue portion of it. The number of services projects, implementation projects that are not started or the number of are still pending to get done in those projects that is at a record level now. A good portion of it has to do with the fact that customers are unable to get the project started that they know they need, which is why they signed the sales deal before. So all these sales deal are signed, but the projects are not yet started, so that is why our services backlog is at record levels now.
Those projects will start getting done at a faster pace, which also in turn will increase our recurring revenue at a faster pace. When the labor shortages get sorted out and customers don't have too many conflicting priorities to work out and prioritize. And currently, there are just a lot of those conflicting priorities there. Now an additional contributor to our services backlog is also the fact that a portion of our services personnel will have to support our new products, which are settling down in the field.
Now we have done a lot of reengineering. We have created a lot of new products in the last two, three years, and they are all now hitting the market, and many of them have obviously not been established for multiple years. So each of them are requiring a bit more hand holding, a bit more training, a bit more time working with the customers now that is also delaying other services projects that are in the pipeline to be delivered.

    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
 
For 2021, the capital spending is targeted to be in line with that D&A, so capital spending around that $590 million mark. We're focused on adding some capacity as we talked about in laminate, in Brazil ceramic, and looking at quartz as well, making investments for new products and there are many cost savings projects as well in that number. Also, converting leases to owned assets as part of that.

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