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
 
Tom, that's a question that is burning throughout the state currently. And as you can imagine, there's tremendous change currently occurring. House Bill 76 that was passed by the Senate was seen as quite favorable. There was a lot of good policy in the bill, two-year limitation on supplemental reported claims on a catastrophe, policyholders, written notice within prior -- 60 days prior to pursuing litigation; attorney fees, which is really the symptom of the illness currently, there was good language in there. And I think we find ourselves now, where the House is weighing in on those topics and additional topics.
The House is contemplating those issues along with trying to assist citizens of becoming rate adequate. And the session closes tomorrow. So I would also say that I feel as though the department has done a balanced job of trying to represent the industry and Floridians with several items that they've published to the House and to the Senate. So I think the information is there. The information is flowing. There are two strong sides. There's Floridians in the insurance business. There's lawyers. And hopefully, tomorrow, we'll get a favorable legislation that will improve and enable carriers to begin writing and helping out Florida residents.

    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
 
Gee, that's a really interesting question. Because as you frame the question, you're right, there's been a lot of volatility within the channels in North America. I'm going to say without consulting people who probably know a hell lot more than me, if I had to pick a channel, I probably would say the in-store might grow a little bit faster next year than online. Not that online over the long term probably grows faster, but there's probably a little bit of. And they have got such tough comps. But I'm probably the most optimistic on in-store, which may sound a little funny. Because compared to online -- over the next 12 months -- and if you go kind of a three-year, five-year time frame, I'm probably more optimistic about the online experience.
We're seeing -- like I mentioned before, really strong performance in the best-in-class retailers on their in-store performance. And I think customers are, when they go to a store, are clearly being are focusing on their health and wellness and moving to premium product. Online, it's good, but it's more difficult to move to premium product online. But probably right now, as we sit here, as I said before, more optimistic about in-store, which kind of sounds funny coming out of my mouth.

    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, Lisa. Let me take that question first. So buy-now-pay-later, exciting space. We talked about it for years, invested with our own installment proposition, facing off to banks five, six years ago, the partnerships, and now as of late Mastercard Installments as you said.
You saw a strong lineup of initial partners, bank partners initially. I mean, the thought is to remind everybody again here is a proposition that we have built into our network. So this is really delivered with no hassle for merchants or for lenders at the point of sale. So the reaction from banks are strong.
Here in the U.S., that's where our lineup of U.S. partners, lending partners was. But I've spent time on the roads over the last three weeks in Europe and similar conversation emerged there. It was just a couple of days after the announcement over Italy and banks were saying, "Wow, this makes a lot of sense.
It's really avoiding a significant headache for us and get into a space that we all believe is important from a consumer perspective." On the fintech side, fintech lenders, novel lenders, we lean in with fintechs, some call them disruptors. We feel these are partnerships, we should enable anybody who wants to come on our network. And we are certainly marketing this to ensure that we have the full breadth of what the market has in terms of lending offering. That's gonna be good for consumers and merchants.
So watch this space, more to come. But I think, it's a very compelling proposition.

    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 your questions and for your participation on today's conference call. If you have any remaining questions, please feel free to contact Investor Relations at (801) 954-7210. 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
 
Yeah, I mean, you know, I touched upon it before. You know, they're quite high, and we feel quite satisfied where we are. You know, having said that, if the forward markets, whether it's the derivative markets or the long-term period markets, are supportive to, you know, write down asset prices to levels we believe are, you know, attractive in terms of long-term depreciation, then we'd be interested. But just to go out and buy assets at this point, you know, we don't feel the pressure to do so.
And I don't think you'll see us doing that just in the immediate basis, just where rates are relative to where asset prices are.

    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 certainly have, and this is something that I have touched on in some of my previous calls. We just haven't been able to get some of these transactions over the finish line, but we are very close. The success that we have accomplished in the U.K.
is one that we are trying to mimic in similar geographies with similar risk profiles. And with every day, every week that goes by, we are getting ever so close to being able to report to you additional markets that we've been able to add, which will become incremental source of growth for our business. But the direct answer to your question is, yes, we continue to look at opportunities, and we've come pretty close but haven't been able to get them over the finish line as of the end of the second quarter.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Good morning and congratulations on the stellar quarter and the continued progress with the FDA filing. Appreciate you taking the questions here this morning. From me, if we could just start off a little bit as you're thinking about raising the guidance now for the third consecutive time for this year. Clearly, you're taking share but we're all also still seeing pockets of variability in end markets, so could you help us think a little bit more, let me just kind of a follow-on to Josh's prior question. Regionally, where you're seeing strength and if this is more so driven by augmentation more so than Recon assuming at this point, but just how you're seeing those markets or what's kind of, I should say, implicit in your guidance raise to the 46% to 51% here for the full year? And then I have a quick follow-on. 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
 
Sure. Sure. The -- what we've closed on in the quarter, year one is about a 4.1% cap, growing many of them north of 5% to 6%, depending on where they are. But if we combine that with what we have under contract, subsequent to the quarter, those are a little bit better, about 4.8% cap. So the blended cap rate of all 33% is about a 4.5% cap. And again, half of those are lease-up. So pretty -- we're very pleased with that.

    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
 
Hi, Manus.

    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, James.

    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, with regards to your second question on qPCR, for COVID-19, our master mixes, our instruments are already being leveraged as part of other testing systems by customers around the world. When our own test comes to market, we see the opportunity. There's still a dearth of robust testing solutions that are available. So we'll have the right performance going after the right fragments or looking at the right elements of COVID-19. And it's really about our broad ability to distribute, make it available and also something that could be automatable on multiple platforms. So we think we'll have a play.

    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. Exactly. It'd also be fair, we always say cruise ships, ferries, all that has just been not happening in the pandemic. And as that recovers, that will be positive. And then like I said, the utilization of the cargo carriers and like [Phonetic] is improving, so that drives good business. And then we're encouraged by the order book. So, it's on a good track and hopefully second half of this year into the next year we start seeing some recovery in those which will be good for our Industrial segment.

    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
 
Adds coming in February time frame. So I've kind of just taken average of those two, it was around $140 million for the quarter, the average.

    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, so modular, we had some really great technology bookings in the fourth quarter on some programs we've been working on for a long time. And so it's nice to see those programs get -- really get purchase orders and get going. For us, I agree, I mean, I think the modular solutions we offer people, our biggest problem is having people figure out how good it is, honestly, but more and more are.

    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, Gary, for the question. I think if you think about the amount that we've got and just took the revenue numbers up, obviously, in 2Q and the outlook for the rest of the year, as I said earlier, I think we've got pretty good line of sight to kind of exiting the year kind of at $200 million, maybe a little bit north of revenue there. So, I think we're making progress on driving more capacity through the system, whether that be in Malaysia or here in Durham. But the challenge we've got is that the demand keeps steepening.
So, I think if you look into this year and as you get into next year, we always talked about that transition point being '23 or '24. And that demand curve continues to steepen, and it's right upon us right now. So, I still think that even with that revenue increase, we still have north of $100 million of unfulfilled demand. And we're really just pushing as hard as we can, whether it be capex or driving organic throughput or bringing as much capacity online as we can to kind of close those gaps.
Now as you know, the big transition for us is getting to Mohawk Valley. So, the faster we can make that transition and move into Mohawk Valley we can, but we're looking at kind of any and all solutions to try and close that gap as fast as we can.

    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 mean, if you look at our space, just to add a little bit more color to that, please, most all the cybersecurity companies, that's what they value, right? The threat intelligence they have that informs their products is how they work. And our threat intelligence, to Joe's point, is very unique and very substantial comparative to every cybersecurity that I'm aware of. So, I think that the share price, and this is just my opinion, is not reflective of just the value that what's in TraceCop alone.

    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, Julien. Yeah. I think the way I think about that is, as we stated just in the last two months, we've added over $200 million in contract and awarded revenue. That's for both the remainder of 2021 and into 2022.
That's alone double the contract and awarded revenue that we entered 2021 with. So the sequential growth of the business is very strong. Where the guidance we provided of $310 million for full year, we are very comfortable with the guidance that we provided and very pleased with the work the team has done to continue to grow that contract and awarded basis and look forward to executing you that as we communicate.

    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
 
Absolutely, Andrew. So this is Burton. First, I believe the fall selling season is going well. So I'm excited about that. I believe we have the right approach to targeting our verticals. As we've talked about in the past, we do not run into other PEOs that often. Over 50% of the quotes that we generate and those are quotes are not competitive directly against another PEO. So I can't speak for the other PEOs. But as I said in my opening remarks, I believe this is the perfect environment for PEOs because of that remote complexity. We're investing in new sales as we build this sustainable growth. From a TriNet standpoint, I continue to be excited about the work that Jonathan LeCompte and his team are doing, and I believe we're moving toward a sustainable vision of scaled new sales. So overall, I believe we're headed in the right direction.
To specifically answer another question you had, yes, I am a big believer in brand awareness and brand sentiment and PeopleForce, which we invested heavily in helped to promote that from a TriNet standpoint. But I also believe it helps raise the visibility of the PEO model for the 4-plus million businesses that have an opportunity to avail themselves to that model, whether it will be with TriNet or another one of the PEOs out there.

    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, so it's Greg; and thanks for the question. I would just say that this is a business that we're pretty mature in, and we've been managing this for a number of years and we've said that it's not just about the growth of the business for us, it's also about the margin of the business and it's about the quality of the growth. And as you can imagine over the last year, we've wanted to be obviously, particularly careful during the pandemic about how we were going to grow it, and we were going to grow it smartly and obviously we were also not just with an eye on margins, but with an eye on credit quality.
As things are firming up, including used car prices, stability in the consumer market from a credit and a liquidity standpoint, obviously, this is a space in a lot of consumer asset classes that are quite favorable, but we've also seen that margins have been holding up quite strong as well. And if this level of new car, but also used car sales continue, we could see a little bit more moderation of increased growth. But the other thing I juxtapose that against is we're also seeing record pay-downs across all consumer categories. So even these are term loan facilities over anywhere from 48 to 72 months, we're seeing some of these schedules paid down quicker than normal, given the excess cash that's in the market. So I think there is a number of factors going on including excess consumer liquidity, they're applying to debt and certainly our mix of the business between prime, super prime and some near prime that we do. And quite frankly, we like the margins for the volume that we're taking on right now.

    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. Matt, it's John. So specifically to your question. So a couple of areas. In chronic inflammatory disease, we have seen that move ahead of where we were from a historical basis. A lot of that is in payer collaboration, in working around site of care initiatives and helping support patients' choice as they are making decisions around where to receive care. Sometimes out-of-hospital outpatient departments and physician practices onto service with us. So we continue to work closely across the payer community to identify those opportunities and find ways to deepen our partnership in supporting their goals of providing high-quality care at an appropriate cost. So that's been part of our overall strategy, and it's -- the execution was strong in the second quarter.

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

    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 being on the call. William, are there any other callers?

    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, Rich, this is Sean. I mean, I hate to say it, but it's pretty broad-based. I mean, if you think about what happened in Q2 last year, things really shut down. So turnover decline, we draw back to strictly essential maintenance only for our resident customers. We pulled back on marketing, given sort of the demand shock. We had talked to the hiring freeze. So, if you think about all the various sort of maintenance activities, payroll, etc, we're expecting all of those to look more normal as compared to the depressed levels that we experienced in Q2 of 2020. So it's relatively broad-based. Most of it is on the sort of what I would call the controllable side of things, and it's a more modest increase in taxes and insurance. But all the activity kind of base costs and payroll really are coming up pretty materially on a year-over-year basis.

    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. Certainly, I mean, we've had two quarters now with book-to-bill over 1. We expect to continue that. We might have a little bit of a different dynamic in the fourth quarter as our revenues typically come up. But we expect to have a higher backlog at the end of the year, certainly higher than what we ended last year at. And as you pointed out, right, it grew this year -- or this quarter, and we expect that to continue next quarter as well.

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