---
language:
- en
tags:
- sentence-transformers
- sentence-similarity
- feature-extraction
- generated_from_trainer
- dataset_size:104601
- loss:MultipleNegativesRankingLoss
base_model: nomic-ai/modernbert-embed-base
widget:
- source_sentence: How can the company assess the financial viability of its gaming
division in relation to its overall business strategy?
sentences:
- In the event of a partial or total liquidation of the Partnership or in the event
there were insufficient Partnership assets to satisfy the claims of its general
creditors , the limited partners may not be entitled to receive their entire Capital
Contribut ion amounts back. Limited partner capital ac counts are not guaranteed.
However, as a class, the limit ed partners would be entitled to receive the return
of their aggregate Capital Contri butions before the return of any capital contributions
to the subordinated limited partners or the general partners. If the Partnership
experiences losses in any year but liquidation procedures described above are
not undertaken and the Partne rship continues, the amounts of such losses would
be absorbed in the capital accounts of the partners as described in the Partnership
Agreement, and each limited partner in any event remains entitled to receive the
7½% Payments under t he terms of the Partnership Agreement. However, as there
would be no accumulated profits in such a year, limited partner s would not receive
any sums representing participation in net income of the Partnership. In addition,
although the amount of the 7½% Payments to limited partners are charged as an
expense to the Partnership and are pay able whether or not the Partnership ear
ns any accumulated profits during any given period, no reserve fund has been set
aside to enable the Partnership to make such payments. Therefore, such payments
to the limited partners are subject to the Partnership’s ability to service the
7½% Payment, of which there is no assurance.
- 10. Compliance of Award Agreement and Plan with Section 409A . The provisions
of this Paragraph 10 apply to you only if you are a U.S. taxpayer. (a) This Award
Agreement and the Plan provisions that apply to this Award are intended and will
be construed to comply with Section 409A (including the requirements applicable
to, or the conditions for exemption from treatment as, 409A Deferred Compensation),
whether by reason of short-term deferral treatment or other exceptions or provisions.
The Committee will have full authority to give effect to this intent. To the extent
necessary to give effect to this intent, in the case of any conflict or potential
inconsistency between the provisions of the Plan (including Sections 1.3.2 and
2.1 thereof) and this Award Agreement, the provisions of this Award Agreement
will govern, and in the case of any conflict or potential inconsistency between
this Paragraph 10 and the other provisions of this Award Agreement, this Paragraph
10 will govern. (b) Delivery of RSU Shares will not be delayed beyond the date
on which all applicable conditions or restrictions on delivery of RSU Shares required
by this Agreement (including those specified in Paragraphs 4, 6(b) and 7 and the
consents and other items specified in Section 3.3 of the Plan) are satisfied,
and will occur by December 31 of the calendar year in which the Delivery Date
occurs unless, in order to permit such conditions or restrictions to be satisfied,
the Committee elects, pursuant to Reg. 1.409A-1(b)(4)(i)(D) or otherwise as may
be permitted in accordance with Section 409A, to delay delivery of RSU Shares
to a later date as may be permitted under Section 409A, including Reg. 1.409A-3(d).
For the avoidance of doubt, if the Award includes a “series of installment payments”
as described in Reg. 1.409A-2(b)(2)(iii), your right to the series of installment
payments will be treated as a right to a series of separate payments and not as
a right to a single payment. (c) Notwithstanding the provisions of Paragraph 7(b)
and Section 1.3.2(i) of the Plan, to the extent necessary to comply with Section
409A, any securities, other Awards or other property that the Firm may deliver
in respect of your RSUs will not have the effect of deferring delivery or payment,
income inclusion, or a substantial risk of forfeiture, beyond the date on which
such delivery, payment or inclusion would occur or such risk of forfeiture would
lapse, with respect to the RSU Shares that would otherwise have been deliverable
(unless the Committee elects a later date for this purpose pursuant to Reg. 1.409A-1(b)(4)(i)(D)
or otherwise as may be permitted under Section 409A, including and to the extent
applicable, the subsequent election provisions of Section 409A(a)(4)(C) of the
Code and Reg. 1.409A-2(b)). (d) Notwithstanding the timing provisions of Paragraph
6(b), the delivery of RSU Shares referred to therein will be made after the date
of death and during the calendar year that includes the date of death (or on such
later date as may be permitted under Section 409A). (e) Notwithstanding any provision
of Paragraph 5 or Section 2.8.2 of the Plan to the contrary, the Dividend Equivalent
Rights with respect to each of your Outstanding RSUs will be paid to you within
the calendar year that includes the date of distribution of any corresponding
regular cash dividends paid by GS Inc. in respect of a share of Common Stock the
record date for which occurs on or after the Date of Grant. The payment will be
in an amount (less applicable withholding) equal to such regular dividend payment
as would have been made in respect of the RSU Shares underlying such Outstanding
RSUs. (f) The timing of delivery or payment referred to in Paragraph 6(a)(i) will
be the earlier of (i) the Delivery Date or (ii) within the calendar year in which
the Committee receives satisfactory documentation relating to your Conflicted
Employment, provided that such delivery or payment will be made, and any Committee
action referred to in Paragraph 6(a)(i) will be taken, only at such time as, and
if and to the extent that it, as reasonably determined by the Firm, would not
result in the imposition of any additional tax to you under Section 409A.
- PART I Item 1 15 OPERATIONS We have regional operations service centers that support
our operations, including customer contract and order processing, billing, credit
and collections, information processing, and vendor management and logistics.
The center in Ireland supports the African, Asia -Pacific, European, and Middle
East regions ; and the centers in Arlington, Virginia, Atlanta, Georgia , Charlotte,
North Carolina, Fargo, North Dakota, Fort Lauderdale, Florida, Redmond, Washington,
Reno, Nevada , and Puerto Rico support the America n region s. In addition to
our operations centers, we also operate datacenters throughout each of these regions
. We continue to identify and evaluate opportunities to expand our datacenter
locations and increase our server capacity to me et the evolving needs of our
customers, particularly given the growing demand for AI services . Our datacenters
depend on the availability of permitted and buildable land, predictable energy,
networking supplies, and servers, including graphics processing units (“ GPUs
”) and other components. Our devices are primarily manufactured by third -party
contract manufacturers. For the majority of our products, we have the ability
to use other manufacturers if a current vendor becomes unavailable or unable to
meet our requirements. However, some of our products contain certain components
for which there are very few qualified suppliers. Extended disruptions at these
suppliers could impact our ability to manufacture devices on time to meet consumer
demand. RESEARCH AND DEVELOPMENT Product and Service Development, and Intellectual
Property We develop most of our products and services internally through the following
engineering groups. • Cloud and AI – focuses on making IT professionals, developers,
partners, independent software vendors, and their systems more productive and
efficient through development of Azure AI platform and cloud infrastructure, server,
database, CRM, ERP, software development tools and services (including GitHub),
AI cognitive services, and other business process applications and services for
enterprises. • Strategic Missions and Technologies – focuses on incubating technical
products and support solutions with transformative potential for the future of
cloud computing and continued company growth across quantum computing, Azure Space
& Missions Engineering, telecommunications, and Microsoft F ederal Sales and Delivery.
• Experiences and Devices – focuses on delivering high value end -user experiences
across our products, services, and devices, including Microsoft 365, Windows,
Microsoft Teams, Search (including Microsoft Edge and Bing Chat) and other advertising
-based services, and the Surface line of devices. • Microsoft Security – focuses
on delivering a comprehensive portfolio of services that protect our customers’
digital infrastructure through cloud platform and application security, data protection
and governance, identity and network access, and device management . • Technology
and Research – focuses on fundamental research, product and business incubations
, and forward -looking AI innovations that span infrastructure, services, and
applications. • LinkedIn – focuses on our services that transform the way professionals
grow their network and find jobs and the way businesses hire, market, sell, and
learn. • Gaming – focuses on developing hardware, content, and services across
a large range of platforms to help grow our user base through game experiences
and social interaction. Internal development allows us to maintain competitive
advantages that come from product differentiation and closer technical control
over our products and services. It also gives us the freedom to decide which modifications
and enhancements are most impor tant and when they should be implemented. We strive
to obtain information as early as possible about changing usage patterns and hardware
advances that may affect software and hardware design. Before releasing new software
platforms, and as we make signifi cant modifications to existing platforms, we
provide application vendors with a range of resources and guidelines for development,
training, and testing. Generally, we also create product documentation internally.
We protect our intellectual property investments in a variety of ways. We work
actively in the U.S. and internationally to ensure the enforcement of copyright,
trademark, trade secret, and other protections that apply to our software and
hardware products, services, business plans, and branding. We are a leader among
technology companies in pursuing patents and currently have a portfolio of over
70,000 U.S. and international patents issued and over 19,000 pending
- source_sentence: Why is it essential for financial institutions to regularly recalibrate
their model parameters?
sentences:
- Balances at the beginning of the year reflect the segment structure as of December
31, 2023. 1 Non-core and Legacy (including Investment Bank). 2 Adjustments represent
certain consolidating entries, including those relating to entities that are managed
but are not owned or wholly owned by Credit Suisse. 3 Represents changes in portfolio
size. 4 Represents movements arising from internally driven updates to models
and recalibrations of model parameters specific only to Credit Suisse. 5 Represents
movements arising from externally driven updates to models and recalibrations
of model parameters specific only to Credit Suisse.
- Resolving potential conflicts necessarily depends on the facts and circumstances
of a particular situation and the application of experienced and informed judgment.
As a general matter, Conflicts Resolution reviews financing and advisory assignments
in Global Banking & Markets and certain of our investing, lending and other activities.
In addition, we have various transaction oversight committees, such as the Firmwide
Capital, Commitments and Suitability Committees and other committees that also
review new underwritings, loans, investments and structured products. These groups
and committees work with internal and external counsel and Compliance to evaluate
and address any actual or potential conflicts. The head of Conflicts Resolution
reports to our chief legal officer, who reports to our chief executive officer.
We regularly assess our policies and procedures that address conflicts of interest
in an effort to conduct our business in accordance with the highest ethical standards
and in compliance with all applicable laws, rules and regulations. For further
information about our risk management processes, see “Overview and Structure of
Risk Management” and “Risk Factors” in Part I, Item 1A of this Form 10-K.THE GOLDMAN
SACHS GROUP, INC. AND SUBSIDIARIES Management’s Discussion and Analysis Goldman
Sachs 2023 Form 10-K 123
- 'PART IV 85 ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES INDEX Page No.
(a)(1) The followin g financial statements are included in Part II, Item 8: Mana
gement’s Report on Internal Control over Financial Reportin g 45 Report of Independent
Re gistered Public Accountin g Firm 46 Consolidated Statements of Financial Condition
as of December 31, 2023 and 2022 48 Consolidated Statements of Income for the
years ended December 31, 2023, 2022 and 2021 49 Consolidated Statements of Changes
in Partnership Capital Subject to Mandatory Redemption for the years ended December
31, 2023, 2022 and 2021 50 Consolidated Statements of Cash Flows for the years
ended December 31, 2023, 2022 and 2021 51 Notes to Consolidated Financial Statements
52 (2) The followin g financial statements are included in Schedule I: Parent
Compan y Only Condensed Statements of Financial Condition as of December 31, 2023
and 2022 90 Parent Company Only Condensed Statements of Income for the years ended
December 31, 2023, 2022 and 2021 91 Parent Company Only Condensed Statements of
Cash Flows for the years ended December 31, 2023, 2022 and 2021 92 Other schedules
are omitted because they are not required, inapplicable, or the information is
otherwise shown in the Consolidated Financial Statements or notes thereto. (b)
Exhibits Reference is made to the Exhibit Index hereinafter contained.'
- source_sentence: '**Comparative Analysis**: Compare the share volumes of GlaxoSmithKline
Pharmaceuticals Ltd. and Hindustan Zinc Ltd. and discuss what this might suggest
about investor interest in these companies.'
sentences:
- 'Institutional active AUM ended 2023 at $1.9 trillion, reflecting $87 billion
of net inflows, driven by the funding of several significant outsourcing mandates
and continued growth in our LifePath® target-date and private markets platforms.
Multi-asset net inflows of $86 billion reflected continued growth from significant
pension outsourcing mandates and LifePath target-date offerings. Fixed income
net inflows of $5 billion similarly reflected the funding of insurance outsourcing
mandates. Equity net outflows of $13 billion were primarily from quantitative
equity strategies. Alternatives net inflows of $10 billion were led by infrastructure,
private credit and private equity. Excluding return of capital and investment
of $7 billion, alternatives net inflows were $17 billion. At year-end, BlackRock
had approximately $32 billion of non-fee paying, unfunded, uninvested commitments
to deploy for institutional clients, which is not included in AUM. Institutional
active represented 21% of long-term AUM and 19% of long-term base fees and securities
lending revenue for 2023. Institutional index AUM totaled $2.9 trillion at December
31, 2023, reflecting $55 billion of net outflows, driven by equities. Institutional
index represented 31% of long-term AUM and 7% of long-term base fees and securities
lending revenue for 2023. The Company’s institutional clients consist of the following:
•Pensions, Foundations and Endowments BlackRock is among the world’s largest managers
of pension plan assets with $3.0 trillion, or 63%, of long-term institutional
AUM managed for defined benefit, defined contribution and other pension plans
for corporations, governments and unions at December 31, 2023. The market landscape
continues to shift from defined benefit to defined contribution, and our defined
contribution channel represented $1.5 trillion of total pension AUM. BlackRock
remains well positioned for the on-going evolution of the defined contribution
market and demand for outcome-oriented investments. An additional $83 billion,
or 2%, of long-term institutional AUM was managed for other tax-exempt investors,
including charities, foundations and endowments. •Official Institutions BlackRock
managed $272 billion, or 6%, of long-term institutional AUM for official institutions,
including central banks, sovereign wealth funds, supranationals, multilateral
entities and government ministries and agencies at year-end 2023. These clients
often require specialized investment advice, the use of customized benchmarks
and training support. •Financial and Other Institutions BlackRock is a top independent
manager of assets for insurance companies, which accounted for $650 billion, or
13%, of long-term institutional AUM at year-end 2023. Assets managed for other
taxable institutions, including corporations, banks and third-party fund sponsors
for which the Company provides sub-advisory services, totaled $773 billion, or
16%, of long-term institutional AUM at year-end. 5'
- 'Fair Value Option At December 31, 2023 and 2022, the Company elected the fair
value option for certain investments in CLOs of approximately $42 million and
$52 million, respectively, reported within investments. In addition, the Company
elected the fair value option for bank loans and borrowings of a consolidated
CLO, recorded within investments and other liabilities, respectively. The following
table summarizes the information related to these bank loans and borrowings at
December 31, 2023 and 2022: December 31, December 31, (in millions) 2023 2022
CLO Bank loans: Aggregate principal amounts outstanding $ 203 $ 238 Fair value
194 234 Aggregate unpaid principal balance in excess of (less than) fair value
$ 9 $ 4 CLO Borrowings: Aggregate principal amounts outstanding $ 190 $ 245 Fair
value $ 180 $ 245 At December 31, 2023, the principal amounts outstanding of the
borrowings issued by the CLOs mature in 2030 and may be repaid prior to maturity
at any time. During the year ended December 31, 2023 and 2022, the net gains (losses)
from the change in fair value of the bank loans and borrowings held by the consolidated
CLO were not material and were recorded in net gain (loss) on the consolidated
statements of income. The change in fair value of the assets and liabilities included
interest income and expense, respectively. 8. Derivatives and Hedging The Company
maintains a program to enter into exchange traded futures as a macro hedging strategy
to hedge market price and interest rate exposures with respect to its total portfolio
of seed investments in sponsored investment products. At December 31, 2023 and
2022, the Company had outstanding exchange traded futures related to this macro
hedging strategy with aggregate notional values of approximately $1.8 billion
and $1.5 billion, with expiration dates during the first quarter of 2024 and 2023,
respectively. In addition, beginning in the first quarter of 2023, the Company
entered into futures to economically hedge the exposure to market movements on
certain deferred cash compensation plans. At December 31, 2023 , the Company had
outstanding exchange traded futures with aggregate notional values related to
its deferred cash compensation hedging program of approximately $204 million,
with expiration dates during the first quarter of 2024. Changes in the value of
the futures contracts are recognized as gains or losses within nonoperating income
(expense). Variation margin payments, which represent settlements of profit/loss,
are generally received or made daily, and are reflected in other assets and other
liabilities on the consolidated statements of financial condition. These amounts
were not material as of December 31, 2023 and 2022. The Company executes forward
foreign currency exchange contracts to mitigate the risk of certain foreign exchange
movements. At December 31, 2023 and 2022, the Company had outstanding forward
foreign currency exchange contracts with aggregate notional values of approximately
$3.1 billion and $2.2 billion, with expiration dates in January 2024 and January
2023, respectively. At both December 31, 2023 and 2022, the Company had a derivative
providing credit protection with a notional amount of approximately $17 million
to a counterparty, representing the Company’s maximum risk of loss with respect
to the derivative. The Company carries the derivative at fair value based on the
expected discounted future cash outflows under the arrangement.'
- 67 1,845 0.00% Punjab National Bank 2,894 1,822 0.00% Bayer CropScience Ltd. 33
1,762 0.00% Central Depository Services India Ltd. 122 1,652 0.00% Balrampur Chini
Mills Ltd. 352 1,650 0.00% Kansai Nerolac Paints Ltd. 299 1,642 0.00% Finolex
Cables Ltd. 150 1,570 0.00% Jubilant Ingrevia Ltd. 298 1,549 0.00% EID Parry India
Ltd. 272 1,533 0.00% Suven Pharmaceuticals Ltd. 252 1,492 0.00% Indian Energy
Exchange Ltd. 957 1,483 0.00% PNB Housing Finance Ltd. 205 1,418 0.00% ICICI Securities
Ltd. 188 1,394 0.00% GlaxoSmithKline Pharmaceuticals Ltd. 78 1,355 0.00% DCM Shriram
Ltd. 121 1,332 0.00% Aditya Birla Capital Ltd. 536 1,283 0.00% Relaxo Footwears
Ltd. 114 1,263 0.00% Birlasoft Ltd. 288 1,260 0.00% Intellect Design Arena Ltd.
159 1,218 0.00% Amber Enterprises India Ltd. 44 1,210 0.00% Indiabulls Housing
Finance Ltd. 735 1,106 0.00% Ajanta Pharma Ltd. 61 1,100 0.00% NCC Ltd. 701 1,043
0.00% V-Guard Industries Ltd. 281 968 0.00% Infibeam Avenues Ltd. 4,918 944 0.00%
Orient Electric Ltd. 303 884 0.00% Alok Industries Ltd. 4,187 834 0.00% Edelweiss
Financial Services Ltd. 1,357 824 0.00% Hindustan Zinc Ltd. 211 790 0.00% Natco
Pharma Ltd. 92 777 0.00% Chambal Fertilisers & Chemicals Ltd. 219 728 0.00% General
Insurance Corp. of India 311 692 0.00% Firstsource Solutions Ltd. 439 681 0.00%
Granules India Ltd. 169 612 0.00% Metropolis Healthcare Ltd. 33 601 0.00% Whirlpool
of India Ltd. 31 557 0.00% Nuvama Wealth Management Ltd. 15 518 0.00% Quess Corp.,
Ltd. 87 477 0.00% Graphite India Ltd. 95 463 0.00% IndiaMart InterMesh Ltd. 12
412 0.00% Strides Pharma Science Ltd. 76 399 0.00%
- source_sentence: '**Investment Strategies**: What investment strategies might be
appropriate for a portfolio that includes companies like Paycom Software, Inc.
and Jabil, Inc.?'
sentences:
- Nacional del Cobre de Chile $200,000 3.75% 15/1/2031 181,259 0.01% Corp. Nacional
del Cobre de Chile $200,000 4.88% 4/11/2044 180,292 0.01% Falabella SA $200,000
3.75% 30/10/2027 179,533 0.01% Inversiones CMPC SA $200,000 3.85% 13/1/2030 178,796
0.01% Chile Government International Bond $200,000 4.34% 7/3/2042 177,818 0.01%
Corp. Nacional del Cobre de Chile $200,000 3.15% 14/1/2030 177,141 0.01% Chile
Government International Bond €200,000 0.83% 2/7/2031 171,492 0.00% Engie Energia
Chile SA $200,000 3.40% 28/1/2030 166,435 0.00% Empresa de Transporte de Pasajeros
Metro SA $200,000 4.70% 7/5/2050 166,104 0.00% Chile Government International
Bond $200,000 2.55% 27/7/2033 163,560 0.00% Chile Government International Bond
$200,000 4.00% 31/1/2052 163,452 0.00% Corp. Nacional del Cobre de Chile $200,000
3.70% 30/1/2050 150,948 0.00% GNL Quintero SA $152,960 4.63% 31/7/2029 148,833
0.00% Alfa Desarrollo SpA $199,014 4.55% 27/9/2051 146,111 0.00% Banco Santander
Chile $150,000 2.70% 10/1/2025 143,340 0.00% Corp. Nacional del Cobre de Chile
$200,000 3.15% 15/1/2051 140,129 0.00% Chile Government International Bond €150,000
0.56% 21/1/2029 136,242 0.00% Bonos de la Tesoreria de la Republica en pesos CLP105,000,000
5.10% 15/7/2050 133,264 0.00% Chile Government International Bond $200,000 3.10%
22/1/2061 130,907 0.00% Bonos de la Tesoreria de la Republica en pesos CLP100,000,000
5.80% 1/6/2024 123,512 0.00% Chile Government International Bond $150,000 3.63%
30/10/2042 121,567 0.00% Chile Government International Bond €100,000 1.63% 30/1/2025
105,315 0.00% Chile Government International Bond €100,000 1.30% 26/7/2036 78,767
0.00% Chile Government International Bond €100,000 1.25% 22/1/2051 56,916 0.00%
Corp.
- LLC $150,000 2.90% 1/3/2030 128,400 0.01% Burlington Northern Santa Fe LLC $150,000
4.05% 15/6/2048 128,392 0.01% Leland Stanford Junior University $150,000 3.65%
1/5/2048 128,280 0.01% Southern California Edison Co. $175,000 3.60% 1/2/2045
128,168 0.01% John Deere Financial, Inc. CAD195,000 1.34% 8/9/2027 127,858 0.01%
Kraft Heinz Foods Co. $150,000 4.38% 1/6/2046 127,812 0.01% Masco Corp. $150,000
1.50% 15/2/2028 127,754 0.01% Parker-Hannifin Corp. $150,000 4.10% 1/3/2047 127,588
0.01% Aircastle Ltd. $150,000 2.85% 26/1/2028 127,563 0.01% UnitedHealth Group,
Inc. $140,000 4.25% 15/3/2043 127,393 0.01% Amgen, Inc. $140,000 2.20% 21/2/2027
127,198 0.01% Schlumberger Holdings Corp. $135,000 3.90% 17/5/2028 127,179 0.01%
Essential Utilities, Inc. $150,000 2.70% 15/4/2030 127,082 0.01% Starbucks Corp.
$150,000 2.25% 12/3/2030 126,940 0.01% Charles Schwab Corp. $125,000 5.85% 19/5/2034
126,868 0.01% Comcast Corp. $200,000 2.99% 1/11/2063 126,717 0.01% Entergy Texas,
Inc. $160,000 1.75% 15/3/2031 126,697 0.01% Exelon Corp. $125,000 5.63% 15/6/2035
126,526 0.01% Uniform Mortgage Backed Securities $123,205 6.50% 1/11/2052 126,499
0.01% Dell International LLC/EMC Corp. $125,000 5.75% 1/2/2033 126,258 0.01% Government
National Mortgage Association $131,748 4.00% 20/3/2049 126,098 0.01% HCA, Inc.
$125,000 5.88% 1/2/2029 125,650 0.01% PG&E Wildfire Recovery Funding LLC $132,193
3.59% 1/6/2030 125,330 0.01% STERIS Irish FinCo UnLtd Co. $150,000 2.70% 15/3/2031
125,236 0.01% Uniform Mortgage Backed Securities $137,046 3.50% 1/6/2050 125,181
0.01%
- 94 39,148 0.05% Teradyne, Inc. 350 38,965 0.05% Splunk, Inc. 363 38,511 0.05%
Zoom Video Communications, Inc. Class A 562 38,149 0.05% Paycom Software, Inc.
117 37,585 0.04% Entegris, Inc. 339 37,568 0.04% NetApp, Inc. 480 36,672 0.04%
Pinterest, Inc. Class A 1,326 36,253 0.04% PTC, Inc. 243 34,579 0.04% Jabil, Inc.
288 31,084 0.04% Akamai Technologies, Inc. 345 31,005 0.04% Lattice Semiconductor
Corp. 310 29,782 0.04% SS&C Technologies Holdings, Inc. 487 29,512 0.04% Zscaler,
Inc. 198 28,967 0.03% Flex Ltd. 1,027 28,386 0.03% Unity Software, Inc. 648 28,136
0.03% EPAM Systems, Inc. 125 28,094 0.03% Manhattan Associates, Inc. 138 27,583
0.03% Western Digital Corp. 726 27,537 0.03% Seagate Technology Holdings plc 441
27,285 0.03% Amdocs Ltd. 272 26,887 0.03% Check Point Software Technologies Ltd.
211 26,506 0.03% GoDaddy, Inc. Class A 347 26,070 0.03% Match Group, Inc. 620
25,947 0.03% Super Micro Computer, Inc. 103 25,673 0.03% Open Text Corp. 613 25,525
0.03% Dynatrace, Inc. 495 25,478 0.03% Twilio, Inc. Class A 381 24,239 0.03% Gen
Digital, Inc. 1,262 23,410 0.03% Qorvo, Inc. 228 23,263 0.03% Okta, Inc. Class
A 335 23,232 0.03% Pure Storage, Inc. Class A 630 23,197 0.03% DocuSign, Inc.
Class A 452 23,093 0.03% Ceridian HCM Holding, Inc. 332 22,234 0.03% Black Knight,
Inc. 345 20,607 0.02% F5, Inc. 138 20,184 0.02% Vertiv Holdings Co. Class A 743
18,404 0.02% Arrow Electronics, Inc. 127 18,190 0.02% Toast, Inc. Class A 799
18,033 0.02% ZoomInfo Technologies, Inc. Class A 705 17,900 0.02% Globant SA 94
16,894 0.02% National Instruments Corp. 288 16,531 0.02% Wolfspeed, Inc. 285 15,843
0.02% Dropbox, Inc. Class A 592 15,789 0.02% Rambus, Inc. 246 15,786 0.02% SPS
Commerce, Inc. 81 15,557 0.02% Universal Display Corp. 105 15,134 0.02%
- source_sentence: How does the diversification of investments across different currencies
impact financial risk?
sentences:
- 20/9/2023 4,504 0.00% GBP 305,720 USD (385,212) JPMorgan Chase Bank 20/9/2023
3,544 0.00% EUR 602,840 USD (659,854) State Street Bank & Trust Co. 20/9/2023
435 0.00% JPY 67,590,000 USD (473,571) JPMorgan Chase Bank 20/9/2023 (176) (0.00%)
GBP 378,925 USD (483,052) State Street Bank & Trust Co. 20/9/2023 (1,208) (0.00%)
GBP 382,825 USD (488,055) BNP Paribas 20/9/2023 (1,251) (0.00%) EUR 480,370 USD
(528,752) State Street Bank & Trust Co. 20/9/2023 (2,604) (0.00%) JPY 68,925,000
USD (489,188) State Street Bank & Trust Co. 20/9/2023 (6,443) (0.00%) JPY 43,800,000
USD (319,166) JPMorgan Chase Bank 20/9/2023 (12,395) (0.00%) JPY 91,700,000 USD
(657,807) JPMorgan Chase Bank 20/9/2023 (15,547) (0.00%) JPY 639,066,394 USD (4,648,059)
JPMorgan Chase Bank 20/9/2023 (172,087) (0.00%) Total OTC Financial Derivative
Instruments 545,977 0.00% Total Investments 17,991,067,179 98.73% Fair Value US
Dollars ($)% of Total Net Assets Other Assets and Liabilities 232,296,305 1.27%
Net Assets 18,223,363,484 100.00%
- $20,000 2.60% 1/5/2031 16,394 0.04% Wyeth LLC $15,000 5.95% 1/4/2037 16,387 0.04%
Comcast Corp. $20,000 1.95% 15/1/2031 16,352 0.04% Wells Fargo & Co. $20,000 4.40%
14/6/2046 16,296 0.04% Home Depot, Inc. $20,000 1.88% 15/9/2031 16,269 0.04% Baxter
International, Inc. $20,000 2.54% 1/2/2032 16,201 0.04% NIKE, Inc. $20,000 3.38%
27/3/2050 16,199 0.04% Citigroup, Inc. $15,000 6.68% 13/9/2043 16,179 0.04% Bank
of America Corp. $20,000 3.95% 23/1/2049 16,170 0.04% JPMorgan Chase & Co. $20,000
3.90% 23/1/2049 16,163 0.04% BlackRock, Inc. $20,000 2.10% 25/2/2032 16,138 0.04%
Goldman Sachs Group, Inc. $15,000 6.13% 15/2/2033 16,116 0.04% Lowe's Cos, Inc.
$20,000 4.45% 1/4/2062 16,110 0.04% UnitedHealth Group, Inc. $20,000 3.70% 15/8/2049
16,101 0.04% Lowe's Cos, Inc. $20,000 4.05% 3/5/2047 16,078 0.04% Bristol-Myers
Squibb Co. $20,000 1.45% 13/11/2030 16,065 0.04% Amazon.com, Inc. $25,000 2.70%
3/6/2060 16,054 0.04% US Bancorp $20,000 2.68% 27/1/2033 16,035 0.04% Bank of
America Corp. $15,000 5.88% 7/2/2042 15,990 0.04% Bank of America Corp. $20,000
2.30% 21/7/2032 15,988 0.04% General Motors Financial Co., Inc. $20,000 2.70%
10/6/2031 15,945 0.04% Comcast Corp. $20,000 1.50% 15/2/2031 15,918 0.04% Newmont
Corp. $15,000 6.25% 1/10/2039 15,854 0.04% Paramount Global $15,000 7.88% 30/7/2030
15,846 0.04% Gilead Sciences, Inc. $15,000 5.65% 1/12/2041 15,767 0.04% United
Parcel Service, Inc. $15,000 5.30% 1/4/2050 15,759 0.04% Comcast Corp. $15,000
5.65% 15/6/2035 15,725 0.04% VMware, Inc. $20,000 2.20% 15/8/2031 15,716 0.04%
Oracle Corp. $20,000 4.13% 15/5/2045 15,702 0.04% Hewlett Packard Enterprise Co.
$15,000 6.35% 15/10/2045 15,617 0.04% Alphabet, Inc.
- 'In addition, the restriction on liens in the GSFC 2008 Indenture applies only
to liens that secure debt for borrowed money. For example, liens imposed by operation
of law, such as liens to secure statutory obligations for taxes or workers’ compensation
benefits, or liens the Company creates to secure obligations to pay legal judgments
or surety bonds, would not be covered by this restriction. Modification of the
Debt Indenture and Waiver of Covenants There are four types of changes GSFC and
the Company can make to the GSFC 2008 Indenture and the debt securities or series
of debt securities and related guarantees issued under the GSFC 2008 Indenture.
Changes Requiring Each Holder’s Approval First, there are changes that cannot
be made without the approval of the holder of each debt security affected by the
change under the GSFC 2008 Indenture. Here is a list of those types of changes:
• change the stated maturity for any principal or interest payment on a debt security;
• reduce the principal amount, the amount payable on acceleration of the stated
maturity after a default, the interest rate or the redemption price for a debt
security; • permit redemption of a debt security if not previously permitted;
• impair any right a holder may have to require repayment of its debt security;
• change the currency of any payment on a debt security; • change the place of
payment on a debt security; • impair a holder’s right to sue for payment of any
amount due on its debt security; • reduce the percentage in principal amount of
the debt securities of any one or more affected series, taken • separately or
together, as applicable, and whether comprising the same or different series or
less than all of the debt securities of a series, the approval of whose holders
is needed to change the applicable debt indenture or those debt securities; •
reduce the percentage in principal amount of the debt securities of any one or
more affected series, taken separately or together, as applicable, and whether
comprising the same or different series or less than all of the debt securities
of a series, the consent of whose holders is needed to waive GSFC’s compliance
with the applicable debt indenture or to waive defaults; and • change the provisions
of the applicable debt indenture dealing with modification and waiver in any other
respect, except to increase any required percentage referred to above or to add
to -59-'
datasets:
- sujet-ai/Sujet-Financial-RAG-EN-Dataset
pipeline_tag: sentence-similarity
library_name: sentence-transformers
metrics:
- cosine_accuracy@1
- cosine_accuracy@3
- cosine_accuracy@5
- cosine_accuracy@10
- cosine_precision@1
- cosine_precision@3
- cosine_precision@5
- cosine_precision@10
- cosine_recall@1
- cosine_recall@3
- cosine_recall@5
- cosine_recall@10
- cosine_ndcg@10
- cosine_mrr@10
- cosine_map@100
model-index:
- name: SentenceTransformer based on nomic-ai/modernbert-embed-base
results:
- task:
type: information-retrieval
name: Information Retrieval
dataset:
name: ModernFinBERT RAG embed base
type: ModernFinBERT-RAG-embed-base
metrics:
- type: cosine_accuracy@1
value: 0.3812677388836329
name: Cosine Accuracy@1
- type: cosine_accuracy@3
value: 0.6329233680227058
name: Cosine Accuracy@3
- type: cosine_accuracy@5
value: 0.7123935666982024
name: Cosine Accuracy@5
- type: cosine_accuracy@10
value: 0.7918637653736992
name: Cosine Accuracy@10
- type: cosine_precision@1
value: 0.3812677388836329
name: Cosine Precision@1
- type: cosine_precision@3
value: 0.2109744560075686
name: Cosine Precision@3
- type: cosine_precision@5
value: 0.1424787133396405
name: Cosine Precision@5
- type: cosine_precision@10
value: 0.07918637653736992
name: Cosine Precision@10
- type: cosine_recall@1
value: 0.3812677388836329
name: Cosine Recall@1
- type: cosine_recall@3
value: 0.6329233680227058
name: Cosine Recall@3
- type: cosine_recall@5
value: 0.7123935666982024
name: Cosine Recall@5
- type: cosine_recall@10
value: 0.7918637653736992
name: Cosine Recall@10
- type: cosine_ndcg@10
value: 0.5891686849331125
name: Cosine Ndcg@10
- type: cosine_mrr@10
value: 0.5239367932603505
name: Cosine Mrr@10
- type: cosine_map@100
value: 0.5297544273648861
name: Cosine Map@100
---
# SentenceTransformer based on nomic-ai/modernbert-embed-base
This is a [sentence-transformers](https://www.SBERT.net) model finetuned from [nomic-ai/modernbert-embed-base](https://huggingface.co/nomic-ai/modernbert-embed-base) on the [sujet-financial-rag-en-dataset](https://huggingface.co/datasets/sujet-ai/Sujet-Financial-RAG-EN-Dataset) dataset. It maps sentences & paragraphs to a 768-dimensional dense vector space and can be used for semantic textual similarity, semantic search, paraphrase mining, text classification, clustering, and more.
## Model Details
### Model Description
- **Model Type:** Sentence Transformer
- **Base model:** [nomic-ai/modernbert-embed-base](https://huggingface.co/nomic-ai/modernbert-embed-base)
- **Maximum Sequence Length:** 8192 tokens
- **Output Dimensionality:** 768 dimensions
- **Similarity Function:** Cosine Similarity
- **Training Dataset:**
- [sujet-financial-rag-en-dataset](https://huggingface.co/datasets/sujet-ai/Sujet-Financial-RAG-EN-Dataset)
- **Language:** en
### Model Sources
- **Documentation:** [Sentence Transformers Documentation](https://sbert.net)
- **Repository:** [Sentence Transformers on GitHub](https://github.com/UKPLab/sentence-transformers)
- **Hugging Face:** [Sentence Transformers on Hugging Face](https://huggingface.co/models?library=sentence-transformers)
### Full Model Architecture
```
SentenceTransformer(
(0): Transformer({'max_seq_length': 8192, 'do_lower_case': False}) with Transformer model: ModernBertModel
(1): Pooling({'word_embedding_dimension': 768, 'pooling_mode_cls_token': False, 'pooling_mode_mean_tokens': True, 'pooling_mode_max_tokens': False, 'pooling_mode_mean_sqrt_len_tokens': False, 'pooling_mode_weightedmean_tokens': False, 'pooling_mode_lasttoken': False, 'include_prompt': True})
(2): Normalize()
)
```
## Usage
### Direct Usage (Sentence Transformers)
First install the Sentence Transformers library:
```bash
pip install -U sentence-transformers
```
Then you can load this model and run inference.
```python
from sentence_transformers import SentenceTransformer
# Download from the 🤗 Hub
model = SentenceTransformer("sujet-ai/Fin-ModernBERT-RAG-base")
# Run inference
sentences = [
'How does the diversification of investments across different currencies impact financial risk?',
'20/9/2023 4,504 0.00% GBP 305,720 USD (385,212) JPMorgan Chase Bank 20/9/2023 3,544 0.00% EUR 602,840 USD (659,854) State Street Bank & Trust Co. 20/9/2023 435 0.00% JPY 67,590,000 USD (473,571) JPMorgan Chase Bank 20/9/2023 (176) (0.00%) GBP 378,925 USD (483,052) State Street Bank & Trust Co. 20/9/2023 (1,208) (0.00%) GBP 382,825 USD (488,055) BNP Paribas 20/9/2023 (1,251) (0.00%) EUR 480,370 USD (528,752) State Street Bank & Trust Co. 20/9/2023 (2,604) (0.00%) JPY 68,925,000 USD (489,188) State Street Bank & Trust Co. 20/9/2023 (6,443) (0.00%) JPY 43,800,000 USD (319,166) JPMorgan Chase Bank 20/9/2023 (12,395) (0.00%) JPY 91,700,000 USD (657,807) JPMorgan Chase Bank 20/9/2023 (15,547) (0.00%) JPY 639,066,394 USD (4,648,059) JPMorgan Chase Bank 20/9/2023 (172,087) (0.00%) Total OTC Financial Derivative Instruments 545,977 0.00% Total Investments 17,991,067,179 98.73% Fair Value US Dollars ($)% of Total Net Assets Other Assets and Liabilities 232,296,305 1.27% Net Assets 18,223,363,484 100.00%',
'In addition, the restriction on liens in the GSFC 2008 Indenture applies only to liens that secure debt for borrowed money. For example, liens imposed by operation of law, such as liens to secure statutory obligations for taxes or workers’ compensation benefits, or liens the Company creates to secure obligations to pay legal judgments or surety bonds, would not be covered by this restriction. Modification of the Debt Indenture and Waiver of Covenants There are four types of changes GSFC and the Company can make to the GSFC 2008 Indenture and the debt securities or series of debt securities and related guarantees issued under the GSFC 2008 Indenture. Changes Requiring Each Holder’s Approval First, there are changes that cannot be made without the approval of the holder of each debt security affected by the change under the GSFC 2008 Indenture. Here is a list of those types of changes: • change the stated maturity for any principal or interest payment on a debt security; • reduce the principal amount, the amount payable on acceleration of the stated maturity after a default, the interest rate or the redemption price for a debt security; • permit redemption of a debt security if not previously permitted; • impair any right a holder may have to require repayment of its debt security; • change the currency of any payment on a debt security; • change the place of payment on a debt security; • impair a holder’s right to sue for payment of any amount due on its debt security; • reduce the percentage in principal amount of the debt securities of any one or more affected series, taken • separately or together, as applicable, and whether comprising the same or different series or less than all of the debt securities of a series, the approval of whose holders is needed to change the applicable debt indenture or those debt securities; • reduce the percentage in principal amount of the debt securities of any one or more affected series, taken separately or together, as applicable, and whether comprising the same or different series or less than all of the debt securities of a series, the consent of whose holders is needed to waive GSFC’s compliance with the applicable debt indenture or to waive defaults; and • change the provisions of the applicable debt indenture dealing with modification and waiver in any other respect, except to increase any required percentage referred to above or to add to -59-',
]
embeddings = model.encode(sentences)
print(embeddings.shape)
# [3, 768]
# Get the similarity scores for the embeddings
similarities = model.similarity(embeddings, embeddings)
print(similarities.shape)
# [3, 3]
```
## Evaluation
### Metrics
#### Information Retrieval
* Dataset: `ModernFinBERT-RAG-embed-base`
* Evaluated with [InformationRetrievalEvaluator](https://sbert.net/docs/package_reference/sentence_transformer/evaluation.html#sentence_transformers.evaluation.InformationRetrievalEvaluator)
| Metric | Value |
|:--------------------|:-----------|
| cosine_accuracy@1 | 0.3813 |
| cosine_accuracy@3 | 0.6329 |
| cosine_accuracy@5 | 0.7124 |
| cosine_accuracy@10 | 0.7919 |
| cosine_precision@1 | 0.3813 |
| cosine_precision@3 | 0.211 |
| cosine_precision@5 | 0.1425 |
| cosine_precision@10 | 0.0792 |
| cosine_recall@1 | 0.3813 |
| cosine_recall@3 | 0.6329 |
| cosine_recall@5 | 0.7124 |
| cosine_recall@10 | 0.7919 |
| **cosine_ndcg@10** | **0.5892** |
| cosine_mrr@10 | 0.5239 |
| cosine_map@100 | 0.5298 |
## Training Details
### Training Dataset
#### sujet-financial-rag-en-dataset
* Dataset: [sujet-financial-rag-en-dataset](https://huggingface.co/datasets/sujet-ai/Sujet-Financial-RAG-EN-Dataset) at [ec52315](https://huggingface.co/datasets/sujet-ai/Sujet-Financial-RAG-EN-Dataset/tree/ec523152632ce80949025488e17115020e8fe8c4)
* Size: 104,601 training samples
* Columns: anchor and positive
* Approximate statistics based on the first 1000 samples:
| | anchor | positive |
|:--------|:-----------------------------------------------------------------------------------|:--------------------------------------------------------------------------------------|
| type | string | string |
| details | - min: 13 tokens
- mean: 24.56 tokens
- max: 50 tokens
| - min: 23 tokens
- mean: 647.39 tokens
- max: 1165 tokens
|
* Samples:
| anchor | positive |
|:-------------------------------------------------------------------------------------------------------------------------------------------------------------|:---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| How does the Compensation Committee's role influence the stock awards granted to executive officers? | PART II Item 8 88 Stock Plans Stock awards entitle the holder to receive shares of Microsoft common stock as the award vests. Stock awards generally vest over a service period of four years or five years. Executive Incentive Plan Under the Executive Incentive Plan, the Compensation Committee approves stock awards to executive officers and certain senior executives. RSUs generally vest ratably over a service period of four years. PSUs generally vest over a performance period of thre e years. The number of shares the PSU holder receives is based on the extent to which the corresponding performance goals have been achieved. Activity for All Stock Plans The fair value of stock awards was estimated on the date of grant using the following assumptions: Year ended June 30, 2023 2022 2021 Dividends per share (quarterly amounts) $ 0.62 – 0.68 $ 0.56 – 0.62 $ 0.51 – 0.56 Interest rates 2.0% – 5.4% 0.03% – 3.6% 0.01% – 1.5% During fiscal year 2023 , the following activity occurred under our stock... |
| What is the fair value of the bond issued by CVS Health Corp., and how does it compare to the fair value of the bond issued by Walt Disney Co.? | 445 Vanguard ESG Global Corporate Bond UCITS ETF Principal CouponMaturity DateFair Value US Dollars ($)% of Total Net Assets State Street Corp. $50,000 4.82% 26/1/2034 48,557 0.01% Baxalta, Inc. $50,000 4.00% 23/6/2025 48,515 0.01% Starbucks Corp. $50,000 3.80% 15/8/2025 48,426 0.01% Citigroup, Inc. $50,000 4.60% 9/3/2026 48,387 0.01% Athene Global Funding CAD70,000 2.10% 24/9/2025 48,344 0.01% Bank of America Corp. $50,000 4.25% 22/10/2026 48,257 0.01% PepsiCo, Inc. $50,000 3.60% 18/2/2028 48,191 0.01% Charles Schwab Corp. $50,000 3.85% 21/5/2025 48,183 0.01% JPMorgan Chase & Co. $50,000 4.13% 15/12/2026 48,165 0.01% Charter Communications Operating LLC/Charter Communications Operating Capital $60,000 5.50% 1/4/2063 48,151 0.01% US Bancorp $60,000 2.68% 27/1/2033 48,106 0.01% Chubb INA Holdings, Inc. $50,000 3.35% 3/5/2026 48,074 0.01% Bank of New York Mellon Corp. $50,000 3.00% 24/2/2025 48,071 0.01% Truist Financial Corp. $50,000 4.87% 26/1/2029 48,042 0.01% Truist Financial Corp. $... |
| Analyze the impact of currency fluctuations on the unrealized gains and losses reported in the forward currency exchange contracts. | 15,216 141,230 0.01% Samsung Fire & Marine Insurance Co., Ltd. - Preference Shares 1,056 137,365 0.01% Samsung SDI Co., Ltd. - Preference Shares 546 133,014 0.01% NHN Corp. 7,096 132,480 0.01% Hanwha Corp. - Preference Shares 10,137 114,475 0.01% Amorepacific Corp. - Preference Shares 4,230 101,123 0.01% CJ CheilJedang Corp. - Preference Shares 576 59,276 0.00% Hanwha Galleria Corp. 47,521 54,711 0.00% - - 386,394,890 29.25% Total Equities 1,291,387,033 97.75% Total Transferable Securities 1,291,387,033 97.75% Number of Contracts Long/ (Short)Notional Amount Unrealised Gain/(Loss) US Dollar s ($)% of Total Net Assets Financial Derivative Instruments Dealt in on a Regulated Market (0.02%) (30 June 2022: (0.00%)) Futures (0.02%) (30 June 2022: (0.00%)) MSCI Pacific Ex-Japan Index September 2023 283 $20,595,251 (131,521) (0.01%) KOSPI 200 Index September 2023 138 KRW11,933,318,478 (141,212) (0.01%) Total Financial Derivative Instruments Dealt in on a Regulated Market (272,733) (0.02%) OTC... |
* Loss: [MultipleNegativesRankingLoss](https://sbert.net/docs/package_reference/sentence_transformer/losses.html#multiplenegativesrankingloss) with these parameters:
```json
{
"scale": 20.0,
"similarity_fct": "cos_sim"
}
```
### Evaluation Dataset
#### sujet-financial-rag-en-dataset
* Dataset: [sujet-financial-rag-en-dataset](https://huggingface.co/datasets/sujet-ai/Sujet-Financial-RAG-EN-Dataset) at [ec52315](https://huggingface.co/datasets/sujet-ai/Sujet-Financial-RAG-EN-Dataset/tree/ec523152632ce80949025488e17115020e8fe8c4)
* Size: 1,057 evaluation samples
* Columns: anchor and positive
* Approximate statistics based on the first 1000 samples:
| | anchor | positive |
|:--------|:-----------------------------------------------------------------------------------|:--------------------------------------------------------------------------------------|
| type | string | string |
| details | - min: 13 tokens
- mean: 24.64 tokens
- max: 52 tokens
| - min: 26 tokens
- mean: 647.51 tokens
- max: 1081 tokens
|
* Samples:
| anchor | positive |
|:-------------------------------------------------------------------------------------------------------------------------------------------------------------------------|:---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| What was the net asset value per share for the EUR Distributing class as of 30 June 2022? | The accompanying notes form an integral part of the financial statements.559 Vanguard EUR Eurozone Government Bond UCITS ETFStatement of Assets and Liabilities EUR (€) EUR (€) As at 30 June As at 30 June Note 2023 2022 Current Assets Financial Assets at Fair Value Through Profit or Loss: Transferable Securities 3,17 1,719,130,585 1,249,469,080 Financial Derivative Instruments 3,17 — 23,742 Cash 3 11,990,422 14,558,520 Receivables: Interest and Dividends 12,715,254 5,193,434 Capital Shares Issued 27 9,190,562 Investments Sold 6,621,764 499,630 Margin Cash Due from Broker 3 3 56,198 Total Current Assets 1,750,458,055 1,278,991,166 Current Liabilities Financial Liabilities at Fair Value Through Profit or Loss: Financial Derivative Instruments 3,17 — 17,321 Bank Overdraft — 6,668 Payables and Other Liabilities: Capital Shares Redeemed 5,790,847 6,811,068 Investments Purchased 8,942,689 15,381,189 Management Fees Payable 12 99,689 69,769 Total Current Liabilities 14,833,225 22,286,015 Net A... |
| What factors could lead the Committee to determine that an employee's actions have resulted in a "material adverse impact" on the broader financial system? | Definitions Appendix The following capitalized terms are used in this Award Agreement with the following meanings: (a)“409A Deferred Compensation ” means a “deferral of compensation” or “deferred compensation” as those terms are defined in the regulations under Section 409A. (b)“Conflicted Employment ” means your employment at any U.S. Federal, state or local government, any non-U.S. government, any supranational or international organization, any self- regulatory organization, or any agency or instrumentality of any such government or organization, or any other employer (other than an “Accounting Firm” within the meaning of SEC Rule 2-01(f)(2) of Regulation S-X or any successor thereto) determined by the Committee, if, as a result of such employment, your continued holding of any Outstanding Short-Term RSUs would result in an actual or perceived conflict of interest. (c)“Failed to Consider Risk ” means that you participated (or otherwise oversaw or were responsible for, depending on t... |
| What financial implications could arise from a decrease in the pool of qualified drivers for a ridesharing platform? | In addition, changes in certain laws and regulations, including immigration, labor and employment laws or background check requirements, may result in a shift or decrease in the pool of qualified drivers, which may result in increased competition for qualified drivers or higher costs of recruitment, operation and retention. As part of our business operations or research and development efforts, data on the vehicle may be collected and drivers may be uncomfortable or unwilling to drive knowing that data is being collected. Other factors outside of our control, such as concerns about personal health and safety, increases in the price of gasoline, vehicles or insurance, or concerns about the availability of government or other assistance programs if drivers continue to drive on our platform, may also reduce the number of drivers on our platform or their utilization of our platform, or impact our ability to onboard new drivers. If we fail to attract qualified drivers on favorable terms, fa... |
* Loss: [MultipleNegativesRankingLoss](https://sbert.net/docs/package_reference/sentence_transformer/losses.html#multiplenegativesrankingloss) with these parameters:
```json
{
"scale": 20.0,
"similarity_fct": "cos_sim"
}
```
### Training Hyperparameters
#### Non-Default Hyperparameters
- `eval_strategy`: steps
- `per_device_train_batch_size`: 64
- `per_device_eval_batch_size`: 64
- `gradient_accumulation_steps`: 8
- `learning_rate`: 0.0002
- `num_train_epochs`: 2
- `lr_scheduler_type`: cosine
- `warmup_ratio`: 0.1
- `bf16`: True
- `tf32`: True
- `load_best_model_at_end`: True
- `optim`: adamw_torch_fused
- `batch_sampler`: no_duplicates
#### All Hyperparameters
Click to expand
- `overwrite_output_dir`: False
- `do_predict`: False
- `eval_strategy`: steps
- `prediction_loss_only`: True
- `per_device_train_batch_size`: 64
- `per_device_eval_batch_size`: 64
- `per_gpu_train_batch_size`: None
- `per_gpu_eval_batch_size`: None
- `gradient_accumulation_steps`: 8
- `eval_accumulation_steps`: None
- `torch_empty_cache_steps`: None
- `learning_rate`: 0.0002
- `weight_decay`: 0.0
- `adam_beta1`: 0.9
- `adam_beta2`: 0.999
- `adam_epsilon`: 1e-08
- `max_grad_norm`: 1.0
- `num_train_epochs`: 2
- `max_steps`: -1
- `lr_scheduler_type`: cosine
- `lr_scheduler_kwargs`: {}
- `warmup_ratio`: 0.1
- `warmup_steps`: 0
- `log_level`: passive
- `log_level_replica`: warning
- `log_on_each_node`: True
- `logging_nan_inf_filter`: True
- `save_safetensors`: True
- `save_on_each_node`: False
- `save_only_model`: False
- `restore_callback_states_from_checkpoint`: False
- `no_cuda`: False
- `use_cpu`: False
- `use_mps_device`: False
- `seed`: 42
- `data_seed`: None
- `jit_mode_eval`: False
- `use_ipex`: False
- `bf16`: True
- `fp16`: False
- `fp16_opt_level`: O1
- `half_precision_backend`: auto
- `bf16_full_eval`: False
- `fp16_full_eval`: False
- `tf32`: True
- `local_rank`: 0
- `ddp_backend`: None
- `tpu_num_cores`: None
- `tpu_metrics_debug`: False
- `debug`: []
- `dataloader_drop_last`: False
- `dataloader_num_workers`: 0
- `dataloader_prefetch_factor`: None
- `past_index`: -1
- `disable_tqdm`: False
- `remove_unused_columns`: True
- `label_names`: None
- `load_best_model_at_end`: True
- `ignore_data_skip`: False
- `fsdp`: []
- `fsdp_min_num_params`: 0
- `fsdp_config`: {'min_num_params': 0, 'xla': False, 'xla_fsdp_v2': False, 'xla_fsdp_grad_ckpt': False}
- `fsdp_transformer_layer_cls_to_wrap`: None
- `accelerator_config`: {'split_batches': False, 'dispatch_batches': None, 'even_batches': True, 'use_seedable_sampler': True, 'non_blocking': False, 'gradient_accumulation_kwargs': None}
- `deepspeed`: None
- `label_smoothing_factor`: 0.0
- `optim`: adamw_torch_fused
- `optim_args`: None
- `adafactor`: False
- `group_by_length`: False
- `length_column_name`: length
- `ddp_find_unused_parameters`: None
- `ddp_bucket_cap_mb`: None
- `ddp_broadcast_buffers`: False
- `dataloader_pin_memory`: True
- `dataloader_persistent_workers`: False
- `skip_memory_metrics`: True
- `use_legacy_prediction_loop`: False
- `push_to_hub`: False
- `resume_from_checkpoint`: None
- `hub_model_id`: None
- `hub_strategy`: every_save
- `hub_private_repo`: None
- `hub_always_push`: False
- `gradient_checkpointing`: False
- `gradient_checkpointing_kwargs`: None
- `include_inputs_for_metrics`: False
- `include_for_metrics`: []
- `eval_do_concat_batches`: True
- `fp16_backend`: auto
- `push_to_hub_model_id`: None
- `push_to_hub_organization`: None
- `mp_parameters`:
- `auto_find_batch_size`: False
- `full_determinism`: False
- `torchdynamo`: None
- `ray_scope`: last
- `ddp_timeout`: 1800
- `torch_compile`: False
- `torch_compile_backend`: None
- `torch_compile_mode`: None
- `dispatch_batches`: None
- `split_batches`: None
- `include_tokens_per_second`: False
- `include_num_input_tokens_seen`: False
- `neftune_noise_alpha`: None
- `optim_target_modules`: None
- `batch_eval_metrics`: False
- `eval_on_start`: False
- `use_liger_kernel`: False
- `eval_use_gather_object`: False
- `average_tokens_across_devices`: False
- `prompts`: None
- `batch_sampler`: no_duplicates
- `multi_dataset_batch_sampler`: proportional