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, I mean the losses we're experiencing today Kevin are certainly well below normal for our business with our second quarter charge-offs were 192 basis points below the prior year level. We don't think the losses will stay this low forever, but we do expect them to up -- to be below normal for some time. I mean if you look at our early delinquency trends of 30 day nine is a good indicator for that they remain well below about 40 basis points in the quarter below 2019 2Q-19 levels. And I think consumer balance sheets have continued to be strong, average credit card debt is down about 25% from a year ago. Applicants that are coming into our business their revolving debt to annual income is down about 30% or 40% from a year ago. So I think with the strong consumer balance sheets, we should expect to see very strong credit going forward. That said, credit has been certainly influenced by several rounds of government stimulus. So as we saw in 2020 -- 2020 we do expect to see it migration up toward 2019 trends, I think it's just going to happen over time versus -- versus a cliff.

    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, not at all. I mean we're doing, we've said before, we're doing this project called credit road map where we're thematically looking at different ways the balance sheet could grow and get a very good idea, but we have plenty of room and plenty of liquidity to make sure -- for the next three years to five years, we have no issues. That $500 million we don't know if it's going to be spent or not, but we have mechanisms now to, if we don't need the deposits, we can offload those deposits.

    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 guys. Thanks for taking my question. Just to follow up on the capex build for '22 and really thinking over the next few years, does that level increase further over time as you get more new circularity, etc. Or is $800 million kind of the right sustainable level for us to think about? And just related with that, it looks like maintenance ticked up about $50 million maybe from how you described it earlier. Anything to note that around 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. Thanks for taking the follow-up. Couple of quick ones. Just on buybacks, is the goal to complete that $250 million [Phonetic] for '21 and the $250 million [Phonetic] for '22 by the end of 2022?

    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
 
Excellent. All right. And then on the R&D front, it's something where it continues to be very much the mindset that we're a company that really -- our -- later day -- excuse me, later stage, our product, something more like a Phase III type of product are currently commercialized, that's kind of our sweet spot based on the company. So as far as anything early stage, Brandon, that's not something that's at the top of the list, it -- we went out completely, but we're not a deep R&D organization.
So I think that's just important to point out. And so nothing has really changed that perspective, what we shared in the past on that. But just one where really one's looking for the right asset that really fits the perspective that I described before.

    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 always monitor the market, right. But based on where the model is, we're looking more toward '22. And we'll have the B, will become current at the end of '22, mature in '23. So, that would be a catalyst for us looking at the markets very intently in '22. But that doesn't rule out that we'll continue to monitor the marketplace. As we all know, it's much stronger now than any of us anticipated.
When we did the refinancing, obviously, we were right on the issues relative to the pandemic and the election disruptions. And while we missed it, it was on just the amount of capital that would be available in the marketplace and the markets functioned as well as they did.
So, we did that specifically. We did the refinancing in 2020 specifically to give us the time to mature the model, to show growth in the model, to get some movement out of the rating agencies to make refinancing more attractive. So, certainly, that should happen by the end of '21 and early '22, but we'll monitor it all the way through. And the catalysts, as I said before, is the Term Bs, which are very attractive from a rate perspective, going current in the back half of '22 and then maturing in '23.

    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, for the first quarter, it was around $2 million. So it's starting to taper down. We do expect expenses in the latter quarters probably to the tune of $1 million to $1.5 million. When you look year-over-year, last year, fiscal '20, we had about $10 million. This year, we would think that's about $6 million. So about $4 million lower there. On another area of cost, our healthcare cost, internal, were depressed with last year with elective procedures being down. We expect those to be up. And that pretty much offsets the benefit we're seeing from COVID expense reduction. We expect healthcare costs to be up about $4 million this year. So net-net, those are pretty flat.

    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
 
Not one, David. So, I have no response to the second part of the question. We don't have one.

    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, I think the time has come to bring all of our security teams together. When we created the current structure five years ago, we didn't really have a security business to speak of, a few million dollars. Now it's over $1 billion, and we had, the products there were split among three different groups: The web security group, which is most of it; enterprise security, which we've talked a lot about; and carrier security, which is very closely tied to enterprise. And enterprise and carrier are getting to a real scale now that we can bring them out of incubation and bring all of our security teams together in a division that just focuses on security.
And I think that will provide even stronger growth going forward. Also, unifying sales makes sense now. Before, we had a media sales force that were selling to customers who are buying media products. We had a web sales force selling to verticals that were buying web products.
So splitting made sense then. But now all of our customers buy security. In fact, some of the big media customers are our biggest buyers of security products. And so I think it makes sense to bring the field force together, and it's more efficient.
So I think the end result is that we will operate more efficiently. We'll have stronger innovations and continued very strong growth in our security product group. And also on the CDN side of the house, as Ed talked about, we've got some tailwinds there, also some challenges in the commerce and travel vertical but I think very interesting future growth with areas like IoT, 5G and serverless computing. And bringing those teams together, I think, again, will enable us to be more efficient moving forward.

    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. Yes, generally, it's higher. I think one of the things that happens with, particularly electric but electric hybrid as well is noise dampening becomes a more important issue. And there are a number of applications where that's an important part of what we provide. So that's one area.
The second area I've talked a lot about is electronics. And the convergence of our electronics and our automotive business are really an important driver of growth. And that's creating more value per vehicle. And then, the really interesting opportunity is in the batteries themselves. So we've got materials that help insulate those batteries to prevent any kind of combustion problems from overheating, but also disperse the energy. And that's a really exciting piece of that business that could have a big impact as we go forward. So those are the three main pieces for us, Eric. And generally, all positive, I think, in terms of what it does to our auto business.

    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, good morning, everybody. Good quarter. If I can go back to the EBITDA versus the free cash flow pull-through, so just some quick back-of-the-envelope math, the midpoint of the EBITDA would suggest up $50 million [Phonetic] versus the midpoint of the free cash flow would be up $30 million [Phonetic]. So the pull-through there is 20 points better than what you were potentially previously expecting, is there something different in like the working capital structure given how tight the supply chain was in the first half versus the second half or is this simply ERP benefits, any color there would be great?

    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. Its one of our key strategies toward this indispensable platform that were working to build to support our customers and their modernization. So theres -- the collaborative accounting experience that we operate is just that. Its leading practices, proven methods, prebuilt workflows in the software that take people through the automation that is led by those strategic products, theyre introduced at the right stages at the right time based on our experience with clients journeys. And its a great example of some of the initiatives, and well continue to invest in those things because we believe the depth and breadth of our capabilities plus our experience is really whats indispensable to people. Of course, on a given quarter and especially in a quarter like we just had, where the demand environment was so strong. Theres widespread performance and execution in our business. The percentage of strategic products is going to bounce around, but it will be for the foreseeable future, one of those things that were really attentive to and focused on executing.

    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 don't -- I haven't looked at it in that way. What we've said and what we will continue to communicate is that we're expecting things to be somewhat flat, up a little in the first half and some modest improvement in the second half linked to vaccinations and travel activity. That's all that we've communicated and said on it.
And I think that hangs with what we're saying, a small increase in the second half. But that remains to be seen if that happens. We are hopeful that we see a pickup in personal travel toward the -- and many people forecast a substantial pickup. But yes, we have -- we just -- we're just reticent to forecast that now because, frankly, it's been delayed a little from what we would have hoped for.

    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 look at all opportunities across the Sunbelt and in the markets that we target and are core to us. And whether those, be single-asset acquisition, portfolio acquisition, new development opportunities where we try to at Cousins look at all of the different opportunities that are out there. And then, try to allocate our capital in a disciplined yet compelling manner. And so we're open to all sorts of transactions. And I think have demonstrated that in the past.

    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 welcome. Thank you, Durgesh.

    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, yeah, I'll answer your second question first. We could potentially see a pause between phases. I think the real question because when you talk about revenue capacity coming out of the plant, we had metrics that were for traditional aerogel products alone, but now we've got these multipart thermal barriers that add additional content, additional revenue. And so, I'm going to withhold making a comment on that at present until it really is going to be dependent upon the revenue that we get through the thermal barriers with aerogel just being a component of that overall revenue.
I would say, however, there is inflation out there, steel costs are up a big part of the cost of building this plant is steel. And then construction resources are in high demand and just like every other business out there, construction companies are having to pay up in order to get workers. So, inflation is working against us. The additional content on our thermal barriers is working for us.
And when we'll put it all together and when we talk about the investment and the asset, we'll make it very clear, what's the capacity, what's the aerogel capacity, what's the aggregate thermal barrier revenue capacity that comes from the investment we make. And so, we'll make sure we package that and provide all that detail when we talk about the plant more fully in the next few months.

    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 appreciate it. Thanks, Mayank.

    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 and congratulations on the great results. You mentioned that your backlog is more than 100% of your guidance. Can you talk about how the customers are reacting? How far out are they placing orders? And do you see a time when you can catch up to the backlog?

    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 -- we -- we -- like we said, we didn't -- it's tough -- it's tough to plan on the second half of the -- of this -- this point. But assuming the world goes back to normal and we do slightly more promotional activity, that would also almost imply that the freight costs come down significantly. They're -- they're very elevated at the moment with the amount of consumer electronics coming into the country.
And so, roughly, what we -- what we expect is the increase in promotion will roughly cancel out -- be canceled out by the decrease in -- in freight costs. So, expect it to be somewhat neutral.

    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
 
It's not a high focus right now, Stephen. We just -- part of the rationale of South State and CenterState coming together is the 6-state footprint that we're currently in. So you think about what's going on in Atlanta, Greenville, Charlotte, Orlando, Tampa, there's plenty of opportunities in the markets we're in. We've got some scale in those markets, but would love to continue to have greater density in those markets, and we're really going to focus our hiring efforts in those markets.

    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
 
They are still commissioning the different units of the facility. And we are obviously there, helping them. I believe -- I don't know the exact number, but we almost have close to 200 people helping them commission the facility. I'm not sure that crude has been officially introduced into the stream, and that's a question that should be directed toward Saudi Aramco. But overall, we have, as I said, a large number of people working with the Saudi team in a very productive way to start-up the facility.

    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
 
Look, I think the growth on any bank and in our bank. As I said, we've grown 30% a year. I think we need to have balanced growth. So if we flip a switch and try to both through loans and investments increased the size of the balance sheet significantly, of course, we could, but we believe in balanced growth that it unlevered layers and some of the market in a measured manner. And again, we said that we would grow our balance sheet at the beginning of the year by $2 billion. We're projecting $4 billion now. And we see, as I said in my prepared remarks that we see the ability to grow our loans as a real asset of this company are our bank is undersized relative to our footprint and other businesses. So we're going to continue to grow. Not looking at just flipping us switch and taking NIM compression for the benefit of NIII. I think there's risk in that we want to be more measured on.

    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
 
Sure. Yes, it's Tom here. I'll take that one. So we've had this conversation on the last couple of calls, and we're watching that intently. I regularly touch base with the supply chain offices that we have at each of the yards, some of to be exactly on where they stand right now. As we've given in the past, because of the nature of our long-term contracts, long-term material orders that start ahead of the construction of these contracts.
And then obviously, with the backlog that we have to spend on contract, and we have line of sight of the work that's going to be performed in the yards. A significant amount of those requirements have already been put on order, and we're managing them aggressively to make sure that the material flows in and it hits the in-yard need dates.
The preponderance of the material is coming in on time and meeting the contractual needs that we have within the yard. I would tell you that recently, the last three to six months that as we have spot orders, what we're seeing is a little bit of volatility in pricing and the validity dates are shrinking a little bit on things that we have to spot by.
But from a perspective of execution of the existing contracts we have, we don't see a significant impact at this time. Obviously, we're watching how the DEO mandate impacts the supply chain. And the pressures that we do hear our second and third tier who are dependent on the raw materials. So copper cabling, things of that nature. But again, as you stand here today, the supply chain that we need because of how we've contracted that work in advance has us maintaining schedule at this time.

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