README.md

metadata

tags:
  - sentence-transformers
  - sentence-similarity
  - feature-extraction
  - generated_from_trainer
  - dataset_size:1458
  - loss:MultipleNegativesRankingLoss
  - unsloth
base_model: unsloth/Qwen3-Embedding-4B
widget:
  - source_sentence: >-
      Company: Goldman Sachs | Year: 2017 | Question: What was the percentage
      change in the average daily Value-at-Risk (VaR) for interest rates from
      2016 to 2017 for Goldman Sachs?
    sentences:
      - >-
        a reconciliation of the beginning and ending amount of unrecognized tax
        benefits , for the periods indicated , is as follows: .

        | ( dollars in thousands ) | 2010 | 2009 | 2008 |

        | --- | --- | --- | --- |

        | balance at january 1 | $ 29010 | $ 34366 | $ 29132 |

        | additions based on tax positions related to the current year | 7119 |
        6997 | 5234 |

        | additions for tax positions of prior years | - | - | - |

        | reductions for tax positions of prior years | - | - | - |

        | settlements with taxing authorities | -12356 ( 12356 ) | -12353 (
        12353 ) | - |

        | lapses of applicable statutes of limitations | - | - | - |

        | balance at december 31 | $ 23773 | $ 29010 | $ 34366 |

        the entire amount of the unrecognized tax benefits would affect the
        effective tax rate if recognized . in 2010 , the company favorably
        settled a 2003 and 2004 irs audit . the company recorded a net overall
        tax benefit including accrued interest of $ 25920 thousand . in addition
        , the company was also able to take down a $ 12356 thousand fin 48
        reserve that had been established regarding the 2003 and 2004 irs audit
        . the company is no longer subject to u.s . federal , state and local or
        foreign income tax examinations by tax authorities for years before 2007
        . the company recognizes accrued interest related to net unrecognized
        tax benefits and penalties in income taxes . during the years ended
        december 31 , 2010 , 2009 and 2008 , the company accrued and recognized
        a net expense ( benefit ) of approximately $ ( 9938 ) thousand , $ 1563
        thousand and $ 2446 thousand , respectively , in interest and penalties
        . included within the 2010 net expense ( benefit ) of $ ( 9938 )
        thousand is $ ( 10591 ) thousand of accrued interest related to the 2003
        and 2004 irs audit . the company is not aware of any positions for which
        it is reasonably possible that the total amounts of unrecognized tax
        benefits will significantly increase or decrease within twelve months of
        the reporting date . for u.s . income tax purposes the company has
        foreign tax credit carryforwards of $ 55026 thousand that begin to
        expire in 2014 . in addition , for u.s . income tax purposes the company
        has $ 41693 thousand of alternative minimum tax credits that do not
        expire . management believes that it is more likely than not that the
        company will realize the benefits of its net deferred tax assets and ,
        accordingly , no valuation allowance has been recorded for the periods
        presented . tax benefits of $ 629 thousand and $ 1714 thousand related
        to share-based compensation deductions for stock options exercised in
        2010 and 2009 , respectively , are included within additional paid-in
        capital of the shareholders 2019 equity section of the consolidated
        balance sheets. .
      - >-
        from those currently anticipated and expressed in such forward-looking
        statements as a result of a number of factors , including those we
        discuss under 201crisk factors 201d and elsewhere in this form 10-k .
        you should read 201crisk factors 201d and 201cforward-looking statements
        . 201d executive overview general american water works company , inc . (
        herein referred to as 201camerican water 201d or the 201ccompany 201d )
        is the largest investor-owned united states water and wastewater utility
        company , as measured both by operating revenues and population served .
        our approximately 6400 employees provide drinking water , wastewater and
        other water related services to an estimated 15 million people in 47
        states and in one canadian province . our primary business involves the
        ownership of water and wastewater utilities that provide water and
        wastewater services to residential , commercial , industrial and other
        customers . our regulated businesses that provide these services are
        generally subject to economic regulation by state regulatory agencies in
        the states in which they operate . the federal government and the states
        also regulate environmental , health and safety and water quality
        matters . our regulated businesses provide services in 16 states and
        serve approximately 3.2 million customers based on the number of active
        service connections to our water and wastewater networks . we report the
        results of these businesses in our regulated businesses segment . we
        also provide services that are not subject to economic regulation by
        state regulatory agencies . we report the results of these businesses in
        our market-based operations segment . in 2014 , we continued the
        execution of our strategic goals . our commitment to growth through
        investment in our regulated infrastructure and expansion of our
        regulated customer base and our market-based operations , combined with
        operational excellence led to continued improvement in regulated
        operating efficiency , improved performance of our market-based
        operations , and enabled us to provide increased value to our customers
        and investors . during the year , we focused on growth , addressed
        regulatory lag , made more efficient use of capital and improved our
        regulated operation and maintenance ( 201co&m 201d ) efficiency ratio .
        2014 financial results for the year ended december 31 , 2014 , we
        continued to increase net income , while making significant capital
        investment in our infrastructure and implementing operational efficiency
        improvements to keep customer rates affordable . highlights of our 2014
        operating results compared to 2013 and 2012 include: .

        |  | 2014 | 2013 | 2012 |

        | --- | --- | --- | --- |

        | income from continuing operations | $ 2.39 | $ 2.07 | $ 2.10 |

        | income ( loss ) from discontinued operations net of tax | $ -0.04 (
        0.04 ) | $ -0.01 ( 0.01 ) | $ -0.09 ( 0.09 ) |

        | diluted earnings per share | $ 2.35 | $ 2.06 | $ 2.01 |

        continuing operations income from continuing operations included 4 cents
        per diluted share of costs resulting from the freedom industries
        chemical spill in west virginia in 2014 and included 14 cents per
        diluted share in 2013 related to a tender offer . earnings from
        continuing operations , adjusted for these two items , increased 10% (
        10 % ) , or 22 cents per share , mainly due to favorable operating
        results from our regulated businesses segment due to higher revenues and
        lower operating expenses , partially offset by higher depreciation
        expenses . also contributing to the overall increase in income from
        continuing operations was lower interest expense in 2014 compared to the
        same period in 2013. .
      - >-
        the goldman sachs group , inc . and subsidiaries management 2019s
        discussion and analysis the risk committee of the board and the risk
        governance committee ( through delegated authority from the firmwide
        risk committee ) approve market risk limits and sub-limits at firmwide ,
        business and product levels , consistent with our risk appetite
        statement . in addition , market risk management ( through delegated
        authority from the risk governance committee ) sets market risk limits
        and sub-limits at certain product and desk levels . the purpose of the
        firmwide limits is to assist senior management in controlling our
        overall risk profile . sub-limits are set below the approved level of
        risk limits . sub-limits set the desired maximum amount of exposure that
        may be managed by any particular business on a day-to-day basis without
        additional levels of senior management approval , effectively leaving
        day-to-day decisions to individual desk managers and traders .
        accordingly , sub-limits are a management tool designed to ensure
        appropriate escalation rather than to establish maximum risk tolerance .
        sub-limits also distribute risk among various businesses in a manner
        that is consistent with their level of activity and client demand ,
        taking into account the relative performance of each area . our market
        risk limits are monitored daily by market risk management , which is
        responsible for identifying and escalating , on a timely basis ,
        instances where limits have been exceeded . when a risk limit has been
        exceeded ( e.g. , due to positional changes or changes in market
        conditions , such as increased volatilities or changes in correlations )
        , it is escalated to senior managers in market risk management and/or
        the appropriate risk committee . such instances are remediated by an
        inventory reduction and/or a temporary or permanent increase to the risk
        limit . model review and validation our var and stress testing models
        are regularly reviewed by market risk management and enhanced in order
        to incorporate changes in the composition of positions included in our
        market risk measures , as well as variations in market conditions .
        prior to implementing significant changes to our assumptions and/or
        models , model risk management performs model validations . significant
        changes to our var and stress testing models are reviewed with our chief
        risk officer and chief financial officer , and approved by the firmwide
        risk committee . see 201cmodel risk management 201d for further
        information about the review and validation of these models . systems we
        have made a significant investment in technology to monitor market risk
        including : 2030 an independent calculation of var and stress measures ;
        2030 risk measures calculated at individual position levels ; 2030
        attribution of risk measures to individual risk factors of each position
        ; 2030 the ability to report many different views of the risk measures (
        e.g. , by desk , business , product type or entity ) ; 2030 the ability
        to produce ad hoc analyses in a timely manner . metrics we analyze var
        at the firmwide level and a variety of more detailed levels , including
        by risk category , business , and region . the tables below present
        average daily var and period-end var , as well as the high and low var
        for the period . diversification effect in the tables below represents
        the difference between total var and the sum of the vars for the four
        risk categories . this effect arises because the four market risk
        categories are not perfectly correlated . the table below presents
        average daily var by risk category. .

        | $ in millions | year ended december 2017 | year ended december 2016 |
        year ended december 2015 |

        | --- | --- | --- | --- |

        | interest rates | $ 40 | $ 45 | $ 47 |

        | equity prices | 24 | 25 | 26 |

        | currency rates | 12 | 21 | 30 |

        | commodity prices | 13 | 17 | 20 |

        | diversification effect | -35 ( 35 ) | -45 ( 45 ) | -47 ( 47 ) |

        | total | $ 54 | $ 63 | $ 76 |

        our average daily var decreased to $ 54 million in 2017 from $ 63
        million in 2016 , due to reductions across all risk categories ,
        partially offset by a decrease in the diversification effect . the
        overall decrease was primarily due to lower levels of volatility . our
        average daily var decreased to $ 63 million in 2016 from $ 76 million in
        2015 , due to reductions across all risk categories , partially offset
        by a decrease in the diversification effect . the overall decrease was
        primarily due to reduced exposures . goldman sachs 2017 form 10-k 91 .
  - source_sentence: >-
      Company: Ecolab | Year: 2017 | Question: As of January 2016, what was the
      amount, in millions, equivalent to an annual interest rate of 3.25% for
      the $400 million aggregate principal seven-year fixed-rate note issued by
      Ecolab?
    sentences:
      - >-
        in april 2009 , the fasb issued additional guidance under asc 820 which
        provides guidance on estimat- ing the fair value of an asset or
        liability ( financial or nonfinancial ) when the volume and level of
        activity for the asset or liability have significantly decreased , and
        on identifying transactions that are not orderly . the application of
        the requirements of this guidance did not have a material effect on the
        accompanying consolidated financial statements . in august 2009 , the
        fasb issued asu 2009-05 , 201cmeasuring liabilities at fair value , 201d
        which further amends asc 820 by providing clarification for cir-
        cumstances in which a quoted price in an active market for the identical
        liability is not available . the company included the disclosures
        required by this guidance in the accompanying consolidated financial
        statements . accounting for uncertainty in income taxes in june 2006 ,
        the fasb issued guidance under asc 740 , 201cincome taxes 201d (
        formerly fin 48 ) . this guid- ance prescribes a recognition threshold
        and measurement attribute for the financial statement recognition and
        measurement of a tax position taken or expected to be taken in tax
        returns . specifically , the financial statement effects of a tax
        position may be recognized only when it is determined that it is
        201cmore likely than not 201d that , based on its technical merits , the
        tax position will be sustained upon examination by the relevant tax
        authority . the amount recognized shall be measured as the largest
        amount of tax benefits that exceed a 50% ( 50 % ) probability of being
        recognized . this guidance also expands income tax disclosure
        requirements . international paper applied the provisions of this
        guidance begin- ning in the first quarter of 2007 . the adoption of this
        guidance resulted in a charge to the beginning bal- ance of retained
        earnings of $ 94 million at the date of adoption . note 3 industry
        segment information financial information by industry segment and geo-
        graphic area for 2009 , 2008 and 2007 is presented on pages 47 and 48 .
        effective january 1 , 2008 , the company changed its method of
        allocating corpo- rate overhead expenses to its business segments to
        increase the expense amounts allocated to these businesses in reports
        reviewed by its chief executive officer to facilitate performance
        comparisons with other companies . accordingly , the company has revised
        its presentation of industry segment operat- ing profit to reflect this
        change in allocation method , and has adjusted all comparative prior
        period information on this basis . note 4 earnings per share
        attributable to international paper company common shareholders basic
        earnings per common share from continuing operations are computed by
        dividing earnings from continuing operations by the weighted average
        number of common shares outstanding . diluted earnings per common share
        from continuing oper- ations are computed assuming that all potentially
        dilutive securities , including 201cin-the-money 201d stock options ,
        were converted into common shares at the beginning of each year . in
        addition , the computation of diluted earnings per share reflects the
        inclusion of contingently convertible securities in periods when
        dilutive . a reconciliation of the amounts included in the computation
        of basic earnings per common share from continuing operations , and
        diluted earnings per common share from continuing operations is as fol-
        in millions except per share amounts 2009 2008 2007 .

        | in millions except per share amounts | 2009 | 2008 | 2007 |

        | --- | --- | --- | --- |

        | earnings ( loss ) from continuing operations | $ 663 | $ -1269 ( 1269
        ) | $ 1215 |

        | effect of dilutive securities ( a ) | 2013 | 2013 | 2013 |

        | earnings ( loss ) from continuing operations 2013 assumingdilution | $
        663 | $ -1269 ( 1269 ) | $ 1215 |

        | average common shares outstanding | 425.3 | 421.0 | 428.9 |

        | effect of dilutive securities restricted performance share plan ( a )
        | 2.7 | 2013 | 3.7 |

        | stock options ( b ) | 2013 | 2013 | 0.4 |

        | average common shares outstanding 2013 assuming dilution | 428.0 |
        421.0 | 433.0 |

        | basic earnings ( loss ) per common share from continuing operations |
        $ 1.56 | $ -3.02 ( 3.02 ) | $ 2.83 |

        | diluted earnings ( loss ) per common share from continuing operations
        | $ 1.55 | $ -3.02 ( 3.02 ) | $ 2.81 |

        average common shares outstanding 2013 assuming dilution 428.0 421.0
        433.0 basic earnings ( loss ) per common share from continuing
        operations $ 1.56 $ ( 3.02 ) $ 2.83 diluted earnings ( loss ) per common
        share from continuing operations $ 1.55 $ ( 3.02 ) $ 2.81 ( a )
        securities are not included in the table in periods when anti- dilutive
        . ( b ) options to purchase 22.2 million , 25.1 million and 17.5 million
        shares for the years ended december 31 , 2009 , 2008 and 2007 ,
        respectively , were not included in the computation of diluted common
        shares outstanding because their exercise price exceeded the average
        market price of the company 2019s common stock for each respective
        reporting date . note 5 restructuring and other charges this footnote
        discusses restructuring and other charges recorded for each of the three
        years included in the period ended december 31 , 2009 . it .
      - >-
        security ownership of 5% ( 5 % ) holders , directors , nominees and
        executive officers shares of common stock percent of common stock name
        of beneficial owner beneficially owned ( 1 ) outstanding .

        | name of beneficial owner | shares of common stock beneficially owned (
        1 ) |  | percent of common stock outstanding |

        | --- | --- | --- | --- |

        | fidelity investments | 56583870 | -2 ( 2 ) | 6.49% ( 6.49 % ) |

        | steven p . jobs | 5546451 |  | * |

        | william v . campbell | 112900 | -3 ( 3 ) | * |

        | timothy d . cook | 13327 | -4 ( 4 ) | * |

        | millard s . drexler | 230000 | -5 ( 5 ) | * |

        | tony fadell | 288702 | -6 ( 6 ) | * |

        | albert a . gore jr . | 70000 | -7 ( 7 ) | * |

        | ronald b . johnson | 1450620 | -8 ( 8 ) | * |

        | arthur d . levinson | 365015 | -9 ( 9 ) | * |

        | peter oppenheimer | 14873 | -10 ( 10 ) | * |

        | eric e . schmidt | 12284 | -11 ( 11 ) | * |

        | jerome b . york | 90000 | -12 ( 12 ) | * |

        | all current executive officers and directors as a group ( 14 persons )
        | 8352396 | -13 ( 13 ) | 1.00% ( 1.00 % ) |

        all current executive officers and directors as a group ( 14 persons )
        8352396 ( 13 ) 1.00% ( 1.00 % ) ( 1 ) represents shares of the company
        2019s common stock held and options held by such individuals that were
        exercisable at the table date or within 60 days thereafter . this does
        not include options or restricted stock units that vest more than 60
        days after the table date . ( 2 ) based on a form 13g/a filed february
        14 , 2007 by fmr corp . fmr corp . lists its address as 82 devonshire
        street , boston , ma 02109 , in such filing . ( 3 ) includes 110000
        shares of the company 2019s common stock that mr . campbell has the
        right to acquire by exercise of stock options . ( 4 ) excludes 600000
        unvested restricted stock units . ( 5 ) includes 40000 shares of the
        company 2019s common stock that mr . drexler holds indirectly and 190000
        shares of the company 2019s common stock that mr . drexler has the right
        to acquire by exercise of stock options . ( 6 ) includes 275 shares of
        the company 2019s common stock that mr . fadell holds indirectly ,
        165875 shares of the company 2019s common stock that mr . fadell has the
        right to acquire by exercise of stock options within 60 days after the
        table date , 1157 shares of the company 2019s common stock held by mr .
        fadell 2019s spouse , and 117375 shares of the company 2019s common
        stock that mr . fadell 2019s spouse has the right to acquire by exercise
        of stock options within 60 days after the table date . excludes 210000
        unvested restricted stock units held by mr . fadell and 40000 unvested
        restricted stock units held by mr . fadell 2019s spouse . ( 7 ) consists
        of 70000 shares of the company 2019s common stock that mr . gore has the
        right to acquire by exercise of stock options . ( 8 ) includes 1300000
        shares of the company 2019s common stock that mr . johnson has the right
        to acquire by exercise of stock options and excludes 450000 unvested
        restricted stock units . ( 9 ) includes 2000 shares of the company 2019s
        common stock held by dr . levinson 2019s spouse and 110000 shares of the
        company 2019s common stock that dr . levinson has the right to acquire
        by exercise of stock options . ( 10 ) excludes 450000 unvested
        restricted stock units. .
      - >-
        in january 2016 , the company issued $ 800 million of debt securities
        consisting of a $ 400 million aggregate principal three year fixed rate
        note with a coupon rate of 2.00% ( 2.00 % ) and a $ 400 million
        aggregate principal seven year fixed rate note with a coupon rate of
        3.25% ( 3.25 % ) . the proceeds were used to repay a portion of the
        company 2019s outstanding commercial paper , repay the remaining term
        loan balance , and for general corporate purposes . the company 2019s
        public notes and 144a notes may be redeemed by the company at its option
        at redemption prices that include accrued and unpaid interest and a
        make-whole premium . upon the occurrence of a change of control
        accompanied by a downgrade of the notes below investment grade rating ,
        within a specified time period , the company would be required to offer
        to repurchase the public notes and 144a notes at a price equal to 101% (
        101 % ) of the aggregate principal amount thereof , plus any accrued and
        unpaid interest to the date of repurchase . the public notes and 144a
        notes are senior unsecured and unsubordinated obligations of the company
        and rank equally with all other senior and unsubordinated indebtedness
        of the company . the company entered into a registration rights
        agreement in connection with the issuance of the 144a notes . subject to
        certain limitations set forth in the registration rights agreement , the
        company has agreed to ( i ) file a registration statement ( the
        201cexchange offer registration statement 201d ) with respect to
        registered offers to exchange the 144a notes for exchange notes ( the
        201cexchange notes 201d ) , which will have terms identical in all
        material respects to the new 10-year notes and new 30-year notes , as
        applicable , except that the exchange notes will not contain transfer
        restrictions and will not provide for any increase in the interest rate
        thereon in certain circumstances and ( ii ) use commercially reasonable
        efforts to cause the exchange offer registration statement to be
        declared effective within 270 days after the date of issuance of the
        144a notes . until such time as the exchange offer registration
        statement is declared effective , the 144a notes may only be sold in
        accordance with rule 144a or regulation s of the securities act of 1933
        , as amended . private notes the company 2019s private notes may be
        redeemed by the company at its option at redemption prices that include
        accrued and unpaid interest and a make-whole premium . upon the
        occurrence of specified changes of control involving the company , the
        company would be required to offer to repurchase the private notes at a
        price equal to 100% ( 100 % ) of the aggregate principal amount thereof
        , plus any accrued and unpaid interest to the date of repurchase .
        additionally , the company would be required to make a similar offer to
        repurchase the private notes upon the occurrence of specified merger
        events or asset sales involving the company , when accompanied by a
        downgrade of the private notes below investment grade rating , within a
        specified time period . the private notes are unsecured senior
        obligations of the company and rank equal in right of payment with all
        other senior indebtedness of the company . the private notes shall be
        unconditionally guaranteed by subsidiaries of the company in certain
        circumstances , as described in the note purchase agreements as amended
        . other debt during 2015 , the company acquired the beneficial interest
        in the trust owning the leased naperville facility resulting in debt
        assumption of $ 100.2 million and the addition of $ 135.2 million in
        property , plant and equipment . certain administrative , divisional ,
        and research and development personnel are based at the naperville
        facility . cash paid as a result of the transaction was $ 19.8 million .
        the assumption of debt and the majority of the property , plant and
        equipment addition represented non-cash financing and investing
        activities , respectively . the remaining balance on the assumed debt
        was settled in december 2017 and was reflected in the "other" line of
        the table above at december 31 , 2016 . covenants and future maturities
        the company is in compliance with all covenants under the company 2019s
        outstanding indebtedness at december 31 , 2017 . as of december 31 ,
        2017 , the aggregate annual maturities of long-term debt for the next
        five years were : ( millions ) .

        | 2018 | $ 550 |

        | --- | --- |

        | 2019 | 397 |

        | 2020 | 300 |

        | 2021 | 1017 |

        | 2022 | 497 |

        .
  - source_sentence: >-
      Company: JPMorgan Chase | Year: 2010 | Question: In JPMorgan Chase's 2010
      Annual Report, what is the ratio of derivative receivables to derivative
      payables within the trading assets and liabilities section?
    sentences:
      - >-
        jpmorgan chase & co./2010 annual report 187 trading assets and
        liabilities trading assets include debt and equity instruments held for
        trading purposes that jpmorgan chase owns ( 201clong 201d positions ) ,
        certain loans managed on a fair value basis and for which the firm has
        elected the fair value option , and physical commodities inventories
        that are generally accounted for at the lower of cost or fair value .
        trading liabilities include debt and equity instruments that the firm
        has sold to other parties but does not own ( 201cshort 201d positions )
        . the firm is obligated to purchase instruments at a future date to
        cover the short positions . included in trading assets and trading
        liabilities are the reported receivables ( unrealized gains ) and
        payables ( unre- alized losses ) related to derivatives . trading assets
        and liabilities are carried at fair value on the consolidated balance
        sheets . bal- ances reflect the reduction of securities owned ( long
        positions ) by the amount of securities sold but not yet purchased (
        short posi- tions ) when the long and short positions have identical
        committee on uniform security identification procedures ( 201ccusips
        201d ) . trading assets and liabilities 2013average balances average
        trading assets and liabilities were as follows for the periods
        indicated. .

        | year ended december 31 ( in millions ) | 2010 | 2009 | 2008 |

        | --- | --- | --- | --- |

        | trading assets 2013 debt and equity instruments ( a ) | $ 354441 | $
        318063 | $ 384102 |

        | trading assets 2013 derivative receivables | 84676 | 110457 | 121417 |

        | trading liabilities 2013 debt and equity instruments ( a ) ( b ) |
        78159 | 60224 | 78841 |

        | trading liabilities 2013 derivative payables | 65714 | 77901 | 93200 |

        ( a ) balances reflect the reduction of securities owned ( long
        positions ) by the amount of securities sold , but not yet purchased (
        short positions ) when the long and short positions have identical
        cusips . ( b ) primarily represent securities sold , not yet purchased .
        note 4 2013 fair value option the fair value option provides an option
        to elect fair value as an alternative measurement for selected financial
        assets , financial liabilities , unrecognized firm commitments , and
        written loan com- mitments not previously carried at fair value .
        elections elections were made by the firm to : 2022 mitigate income
        statement volatility caused by the differences in the measurement basis
        of elected instruments ( for example , cer- tain instruments elected
        were previously accounted for on an accrual basis ) while the associated
        risk management arrange- ments are accounted for on a fair value basis ;
        2022 eliminate the complexities of applying certain accounting models (
        e.g. , hedge accounting or bifurcation accounting for hybrid in-
        struments ) ; and 2022 better reflect those instruments that are managed
        on a fair value basis . elections include the following : 2022 loans
        purchased or originated as part of securitization ware- housing activity
        , subject to bifurcation accounting , or man- aged on a fair value basis
        . 2022 securities financing arrangements with an embedded deriva- tive
        and/or a maturity of greater than one year . 2022 owned beneficial
        interests in securitized financial assets that contain embedded credit
        derivatives , which would otherwise be required to be separately
        accounted for as a derivative in- strument . 2022 certain tax credits
        and other equity investments acquired as part of the washington mutual
        transaction . 2022 structured notes issued as part of ib 2019s
        client-driven activities . ( structured notes are financial instruments
        that contain em- bedded derivatives. ) 2022 long-term beneficial
        interests issued by ib 2019s consolidated securitization trusts where
        the underlying assets are carried at fair value. .
      - >-
        devon energy corporation and subsidiaries notes to consolidated
        financial statements 2013 ( continued ) proved undeveloped reserves the
        following table presents the changes in devon 2019s total proved
        undeveloped reserves during 2014 ( in mmboe ) . .

        |  | u.s . | canada | total |

        | --- | --- | --- | --- |

        | proved undeveloped reserves as of december 31 2013 | 258 | 443 | 701 |

        | extensions and discoveries | 153 | 8 | 161 |

        | revisions due to prices | -1 ( 1 ) | -34 ( 34 ) | -35 ( 35 ) |

        | revisions other than price | -61 ( 61 ) | 18 | -43 ( 43 ) |

        | sale of reserves | -4 ( 4 ) | -2 ( 2 ) | -6 ( 6 ) |

        | conversion to proved developed reserves | -40 ( 40 ) | -49 ( 49 ) |
        -89 ( 89 ) |

        | proved undeveloped reserves as of december 31 2014 | 305 | 384 | 689 |

        at december 31 , 2014 , devon had 689 mmboe of proved undeveloped
        reserves . this represents a 2 percent decrease as compared to 2013 and
        represents 25 percent of total proved reserves . drilling and
        development activities increased devon 2019s proved undeveloped reserves
        161 mmboe and resulted in the conversion of 89 mmboe , or 13 percent ,
        of the 2013 proved undeveloped reserves to proved developed reserves .
        costs incurred related to the development and conversion of devon 2019s
        proved undeveloped reserves were approximately $ 1.0 billion for 2014 .
        additionally , revisions other than price decreased devon 2019s proved
        undeveloped reserves 43 mmboe primarily due to evaluations of certain
        u.s . onshore dry-gas areas , which devon does not expect to develop in
        the next five years . the largest revisions , which were approximately
        69 mmboe , relate to the dry-gas areas in the barnett shale in north
        texas . a significant amount of devon 2019s proved undeveloped reserves
        at the end of 2014 related to its jackfish operations . at december 31 ,
        2014 and 2013 , devon 2019s jackfish proved undeveloped reserves were
        384 mmboe and 441 mmboe , respectively . development schedules for the
        jackfish reserves are primarily controlled by the need to keep the
        processing plants at their 35000 barrel daily facility capacity .
        processing plant capacity is controlled by factors such as total steam
        processing capacity and steam-oil ratios . furthermore , development of
        these projects involves the up-front construction of steam
        injection/distribution and bitumen processing facilities . due to the
        large up-front capital investments and large reserves required to
        provide economic returns , the project conditions meet the specific
        circumstances requiring a period greater than 5 years for conversion to
        developed reserves . as a result , these reserves are classified as
        proved undeveloped for more than five years . currently , the
        development schedule for these reserves extends though the year 2031 .
        price revisions 2014 2013 reserves increased 9 mmboe primarily due to
        higher gas prices in the barnett shale and the anadarko basin ,
        partially offset by higher bitumen prices , which result in lower
        after-royalty volumes , in canada . 2013 2013 reserves increased 94
        mmboe primarily due to higher gas prices . of this increase , 43 mmboe
        related to the barnett shale and 19 mmboe related to the rocky mountain
        area . 2012 2013 reserves decreased 171 mmboe primarily due to lower gas
        prices . of this decrease , 100 mmboe related to the barnett shale and
        25 mmboe related to the rocky mountain area. .
      - >-
        american tower corporation and subsidiaries notes to consolidated
        financial statements 2014 ( continued ) 7 . derivative financial
        instruments under the terms of the credit facility , the company is
        required to enter into interest rate protection agreements on at least
        50% ( 50 % ) of its variable rate debt . under these agreements , the
        company is exposed to credit risk to the extent that a counterparty
        fails to meet the terms of a contract . such exposure is limited to the
        current value of the contract at the time the counterparty fails to
        perform . the company believes its contracts as of december 31 , 2004
        are with credit worthy institutions . as of december 31 , 2004 , the
        company had two interest rate caps outstanding with an aggregate
        notional amount of $ 350.0 million ( each at an interest rate of 6.0% (
        6.0 % ) ) that expire in 2006 . as of december 31 , 2003 , the company
        had three interest rate caps outstanding with an aggregate notional
        amount of $ 500.0 million ( each at a rate of 5.0% ( 5.0 % ) ) that
        expired in 2004 . as of december 31 , 2004 and 2003 , there was no fair
        value associated with any of these interest rate caps . during the year
        ended december 31 , 2003 , the company recorded an unrealized loss of
        approximately $ 0.3 million ( net of a tax benefit of approximately $
        0.2 million ) in other comprehensive loss for the change in fair value
        of cash flow hedges and reclassified $ 5.9 million ( net of a tax
        benefit of approximately $ 3.2 million ) into results of operations .
        during the year ended december 31 , 2002 , the company recorded an
        unrealized loss of approximately $ 9.1 million ( net of a tax benefit of
        approximately $ 4.9 million ) in other comprehensive loss for the change
        in fair value of cash flow hedges and reclassified $ 19.5 million ( net
        of a tax benefit of approximately $ 10.5 million ) into results of
        operations . hedge ineffectiveness resulted in a gain of approximately $
        1.0 million for the year ended december 31 , 2002 , which is recorded in
        other expense in the accompanying consolidated statement of operations .
        the company records the changes in fair value of its derivative
        instruments that are not accounted for as hedges in other expense . the
        company did not reclassify any derivative losses into its statement of
        operations for the year ended december 31 , 2004 and does not anticipate
        reclassifying any derivative losses into its statement of operations
        within the next twelve months , as there are no amounts included in
        other comprehensive loss as of december 31 , 2004 . 8 . commitments and
        contingencies lease obligations 2014the company leases certain land ,
        office and tower space under operating leases that expire over various
        terms . many of the leases contain renewal options with specified
        increases in lease payments upon exercise of the renewal option .
        escalation clauses present in operating leases , excluding those tied to
        cpi or other inflation-based indices , are straight-lined over the term
        of the lease . ( see note 1. ) future minimum rental payments under
        non-cancelable operating leases include payments for certain renewal
        periods at the company 2019s option because failure to renew could
        result in a loss of the applicable tower site and related revenues from
        tenant leases , thereby making it reasonably assured that the company
        will renew the lease . such payments in effect at december 31 , 2004 are
        as follows ( in thousands ) : year ending december 31 .

        | 2005 | $ 106116 |

        | --- | --- |

        | 2006 | 106319 |

        | 2007 | 106095 |

        | 2008 | 106191 |

        | 2009 | 106214 |

        | thereafter | 1570111 |

        | total | $ 2101046 |

        aggregate rent expense ( including the effect of straight-line rent
        expense ) under operating leases for the years ended december 31 , 2004
        , 2003 and 2002 approximated $ 118741000 , $ 113956000 , and $ 109644000
        , respectively. .
  - source_sentence: >-
      Company: American Tower | Year: 2005 | Question: What percentage of the
      total federal net operating loss carryforwards available to American Tower
      as of December 31, 2005, is represented by the amount set to expire
      between 2016 and 2020?
    sentences:
      - >-
        consolidated income statement review net income for 2009 was $ 2.4
        billion and for 2008 was $ 914 million . amounts for 2009 include
        operating results of national city and the fourth quarter impact of a $
        687 million after-tax gain related to blackrock 2019s acquisition of bgi
        . increases in income statement comparisons to 2008 , except as noted ,
        are primarily due to the operating results of national city . our
        consolidated income statement is presented in item 8 of this report .
        net interest income and net interest margin year ended december 31
        dollars in millions 2009 2008 .

        | year ended december 31 dollars in millions | 2009 | 2008 |

        | --- | --- | --- |

        | net interest income | $ 9083 | $ 3854 |

        | net interest margin | 3.82% ( 3.82 % ) | 3.37% ( 3.37 % ) |

        changes in net interest income and margin result from the interaction of
        the volume and composition of interest-earning assets and related yields
        , interest-bearing liabilities and related rates paid , and
        noninterest-bearing sources of funding . see statistical information
        2013 analysis of year-to-year changes in net interest ( unaudited )
        income and average consolidated balance sheet and net interest analysis
        in item 8 of this report for additional information . higher net
        interest income for 2009 compared with 2008 reflected the increase in
        average interest-earning assets due to national city and the improvement
        in the net interest margin . the net interest margin was 3.82% ( 3.82 %
        ) for 2009 and 3.37% ( 3.37 % ) for 2008 . the following factors
        impacted the comparison : 2022 a decrease in the rate accrued on
        interest-bearing liabilities of 97 basis points . the rate accrued on
        interest-bearing deposits , the largest component , decreased 107 basis
        points . 2022 these factors were partially offset by a 45 basis point
        decrease in the yield on interest-earning assets . the yield on loans ,
        which represented the largest portion of our earning assets in 2009 ,
        decreased 30 basis points . 2022 in addition , the impact of
        noninterest-bearing sources of funding decreased 7 basis points . for
        comparing to the broader market , the average federal funds rate was
        .16% ( .16 % ) for 2009 compared with 1.94% ( 1.94 % ) for 2008 . we
        expect our net interest income for 2010 will likely be modestly lower as
        a result of cash recoveries on purchased impaired loans in 2009 and
        additional run-off of higher- yielding assets , which could be mitigated
        by rising interest rates . this assumes our current expectations for
        interest rates and economic conditions 2013 we include our current
        economic assumptions underlying our forward-looking statements in the
        cautionary statement regarding forward-looking information section of
        this item 7 . noninterest income summary noninterest income was $ 7.1
        billion for 2009 and $ 2.4 billion for 2008 . noninterest income for
        2009 included the following : 2022 the gain on blackrock/bgi transaction
        of $ 1.076 billion , 2022 net credit-related other-than-temporary
        impairments ( otti ) on debt and equity securities of $ 577 million ,
        2022 net gains on sales of securities of $ 550 million , 2022 gains on
        hedging of residential mortgage servicing rights of $ 355 million , 2022
        valuation and sale income related to our commercial mortgage loans held
        for sale , net of hedges , of $ 107 million , 2022 gains of $ 103
        million related to our blackrock ltip shares adjustment in the first
        quarter , and net losses on private equity and alternative investments
        of $ 93 million . noninterest income for 2008 included the following :
        2022 net otti on debt and equity securities of $ 312 million , 2022
        gains of $ 246 million related to our blackrock ltip shares adjustment ,
        2022 valuation and sale losses related to our commercial mortgage loans
        held for sale , net of hedges , of $ 197 million , 2022 impairment and
        other losses related to private equity and alternative investments of $
        180 million , 2022 income from hilliard lyons totaling $ 164 million ,
        including the first quarter gain of $ 114 million from the sale of this
        business , 2022 net gains on sales of securities of $ 106 million , and
        2022 a gain of $ 95 million related to the redemption of a portion of
        our visa class b common shares related to visa 2019s march 2008 initial
        public offering . additional analysis asset management revenue increased
        $ 172 million to $ 858 million in 2009 , compared with $ 686 million in
        2008 . this increase reflected improving equity markets , new business
        generation and a shift in assets into higher yielding equity investments
        during the second half of 2009 . assets managed totaled $ 103 billion at
        both december 31 , 2009 and 2008 , including the impact of national city
        . the asset management group section of the business segments review
        section of this item 7 includes further discussion of assets under
        management . consumer services fees totaled $ 1.290 billion in 2009
        compared with $ 623 million in 2008 . service charges on deposits
        totaled $ 950 million for 2009 and $ 372 million for 2008 . both
        increases were primarily driven by the impact of the national city
        acquisition . reduced consumer spending .
      - >-
        at december 31 , 2014 , total future minimum commitments under existing
        non-cancelable operating leases and purchase obligations were as
        follows: .

        | in millions | 2015 | 2016 | 2017 | 2018 | 2019 | thereafter |

        | --- | --- | --- | --- | --- | --- | --- |

        | lease obligations | $ 142 | $ 106 | $ 84 | $ 63 | $ 45 | $ 91 |

        | purchase obligations ( a ) | 3266 | 761 | 583 | 463 | 422 | 1690 |

        | total | $ 3408 | $ 867 | $ 667 | $ 526 | $ 467 | $ 1781 |

        ( a ) includes $ 2.3 billion relating to fiber supply agreements entered
        into at the time of the company 2019s 2006 transformation plan
        forestland sales and in conjunction with the 2008 acquisition of
        weyerhaeuser company 2019s containerboard , packaging and recycling
        business . rent expense was $ 154 million , $ 168 million and $ 185
        million for 2014 , 2013 and 2012 , respectively . guarantees in
        connection with sales of businesses , property , equipment , forestlands
        and other assets , international paper commonly makes representations
        and warranties relating to such businesses or assets , and may agree to
        indemnify buyers with respect to tax and environmental liabilities ,
        breaches of representations and warranties , and other matters . where
        liabilities for such matters are determined to be probable and subject
        to reasonable estimation , accrued liabilities are recorded at the time
        of sale as a cost of the transaction . environmental proceedings cercla
        and state actions international paper has been named as a potentially
        responsible party in environmental remediation actions under various
        federal and state laws , including the comprehensive environmental
        response , compensation and liability act ( cercla ) . many of these
        proceedings involve the cleanup of hazardous substances at large
        commercial landfills that received waste from many different sources .
        while joint and several liability is authorized under cercla and
        equivalent state laws , as a practical matter , liability for cercla
        cleanups is typically allocated among the many potential responsible
        parties . remedial costs are recorded in the consolidated financial
        statements when they become probable and reasonably estimable .
        international paper has estimated the probable liability associated with
        these matters to be approximately $ 95 million in the aggregate as of
        december 31 , 2014 . cass lake : one of the matters referenced above is
        a closed wood treating facility located in cass lake , minnesota .
        during 2009 , in connection with an environmental site remediation
        action under cercla , international paper submitted to the epa a
        remediation feasibility study . in june 2011 , the epa selected and
        published a proposed soil remedy at the site with an estimated cost of $
        46 million . the overall remediation reserve for the site is currently $
        50 million to address the selection of an alternative for the soil
        remediation component of the overall site remedy . in october 2011 , the
        epa released a public statement indicating that the final soil remedy
        decision would be delayed . in the unlikely event that the epa changes
        its proposed soil remedy and approves instead a more expensive clean- up
        alternative , the remediation costs could be material , and
        significantly higher than amounts currently recorded . in october 2012 ,
        the natural resource trustees for this site provided notice to
        international paper and other potentially responsible parties of their
        intent to perform a natural resource damage assessment . it is premature
        to predict the outcome of the assessment or to estimate a loss or range
        of loss , if any , which may be incurred . other remediation costs in
        addition to the above matters , other remediation costs typically
        associated with the cleanup of hazardous substances at the company 2019s
        current , closed or formerly-owned facilities , and recorded as
        liabilities in the balance sheet , totaled approximately $ 41 million as
        of december 31 , 2014 . other than as described above , completion of
        required remedial actions is not expected to have a material effect on
        our consolidated financial statements . legal proceedings environmental
        kalamazoo river : the company is a potentially responsible party with
        respect to the allied paper , inc./ portage creek/kalamazoo river
        superfund site ( kalamazoo river superfund site ) in michigan . the epa
        asserts that the site is contaminated primarily by pcbs as a result of
        discharges from various paper mills located along the kalamazoo river ,
        including a paper mill formerly owned by st . regis paper company ( st .
        regis ) . the company is a successor in interest to st . regis .
        although the company has not received any orders from the epa , in
        december 2014 , the epa sent the company a letter demanding payment of $
        19 million to reimburse the epa for costs associated with a time
        critical removal action of pcb contaminated sediments from a portion of
        the site . the company 2019s cercla liability has not been finally
        determined with respect to this or any other portion of the site and we
        have declined to reimburse the epa at this time . as noted below , the
        company is involved in allocation/ apportionment litigation with regard
        to the site . accordingly , it is premature to estimate a loss or range
        of loss with respect to this site . the company was named as a defendant
        by georgia- pacific consumer products lp , fort james corporation and
        georgia pacific llc in a contribution and cost recovery action for
        alleged pollution at the site . the suit .
      - >-
        american tower corporation and subsidiaries notes to consolidated
        financial statements 2014 ( continued ) at december 31 , 2005 , the
        company had net federal and state operating loss carryforwards available
        to reduce future taxable income of approximately $ 2.2 billion and $ 2.4
        billion , respectively . if not utilized , the company 2019s net
        operating loss carryforwards expire as follows ( in thousands ) : .

        | years ended december 31, | federal | state |

        | --- | --- | --- |

        | 2006 to 2010 | $ 5248 | $ 469747 |

        | 2011 to 2015 | 10012 | 272662 |

        | 2016 to 2020 | 397691 | 777707 |

        | 2021 to 2025 | 1744552 | 897896 |

        | total | $ 2157503 | $ 2418012 |

        sfas no . 109 , 201caccounting for income taxes , 201d requires that
        companies record a valuation allowance when it is 201cmore likely than
        not that some portion or all of the deferred tax assets will not be
        realized . 201d at december 31 , 2005 , the company has provided a
        valuation allowance of approximately $ 422.4 million , including
        approximately $ 249.5 million attributable to spectrasite , primarily
        related to net operating loss and capital loss carryforwards .
        approximately $ 237.8 million of the spectrasite valuation allowance was
        assumed as of the acquisition date . the balance of the valuation
        allowance primarily relates to net state deferred tax assets . the
        company has not provided a valuation allowance for the remaining
        deferred tax assets , primarily its federal net operating loss
        carryforwards , as management believes the company will have sufficient
        time to realize these federal net operating loss carryforwards during
        the twenty-year tax carryforward period . the company intends to recover
        a portion of its deferred tax asset through its federal income tax
        refund claims related to the carry back of certain federal net operating
        losses . in june 2003 and october 2003 , the company filed federal
        income tax refund claims with the irs relating to the carry back of $
        380.0 million of net operating losses generated prior to 2003 , of which
        the company initially anticipated receiving approximately $ 90.0 million
        . based on preliminary discussions with tax authorities , the company
        has revised its estimate of the net realizable value of the federal
        income tax refund claims and anticipates receiving a refund of
        approximately $ 65.0 million as a result of these claims by the end of
        2006 . there can be no assurances , however , with respect to the
        specific amount and timing of any refund . the recoverability of the
        company 2019s remaining net deferred tax asset has been assessed
        utilizing stable state ( no growth ) projections based on its current
        operations . the projections show a significant decrease in depreciation
        and interest expense in the later years of the carryforward period as a
        result of a significant portion of its assets being fully depreciated
        during the first fifteen years of the carryforward period and debt
        repayments reducing interest expense . accordingly , the recoverability
        of the net deferred tax asset is not dependent on material improvements
        to operations , material asset sales or other non-routine transactions .
        based on its current outlook of future taxable income during the
        carryforward period , management believes that the net deferred tax
        asset will be realized . the realization of the company 2019s deferred
        tax assets as of december 31 , 2005 will be dependent upon its ability
        to generate approximately $ 1.3 billion in taxable income from january 1
        , 2006 to december 31 , 2025 . if the company is unable to generate
        sufficient taxable income in the future , or carry back losses , as
        described above , it will be required to reduce its net deferred tax
        asset through a charge to income tax expense , which would result in a
        corresponding decrease in stockholders 2019 equity . from time to time
        the company is subject to examination by various tax authorities in
        jurisdictions in which the company has significant business operations .
        the company regularly assesses the likelihood of additional assessments
        in each of the tax jurisdictions resulting from these examinations .
        during the year ended .
  - source_sentence: >-
      Company: Hologic | Year: 2011 | Question: What is the maximum amount of
      additional cash that Hologic could pay as contingent payments for the
      acquisition of Sentinelle Medical?
    sentences:
      - >-
        table of contents the company concluded that the acquisition of
        sentinelle medical did not represent a material business combination ,
        and therefore , no pro forma financial information has been provided
        herein . subsequent to the acquisition date , the company 2019s results
        of operations include the results of sentinelle medical , which is
        included within the company 2019s breast health reporting segment . the
        company accounted for the sentinelle medical acquisition as a purchase
        of a business under asc 805 . the purchase price was comprised of an $
        84.8 million cash payment , which was net of certain adjustments , plus
        three contingent payments up to a maximum of an additional $ 250.0
        million in cash . the contingent payments are based on a multiple of
        incremental revenue growth during the two-year period following the
        completion of the acquisition as follows : six months after acquisition
        , 12 months after acquisition , and 24 months after acquisition .
        pursuant to asc 805 , the company recorded its estimate of the fair
        value of the contingent consideration liability based on future revenue
        projections of the sentinelle medical business under various potential
        scenarios and weighted probability assumptions of these outcomes . as of
        the date of acquisition , these cash flow projections were discounted
        using a rate of 16.5% ( 16.5 % ) . the discount rate is based on the
        weighted-average cost of capital of the acquired business plus a credit
        risk premium for non-performance risk related to the liability pursuant
        to asc 820 . this analysis resulted in an initial contingent
        consideration liability of $ 29.5 million , which will be adjusted
        periodically as a component of operating expenses based on changes in
        the fair value of the liability driven by the accretion of the liability
        for the time value of money and changes in the assumptions pertaining to
        the achievement of the defined revenue growth milestones . this fair
        value measurement was based on significant inputs not observable in the
        market and thus represented a level 3 measurement as defined in asc
        during each quarter in fiscal 2011 , the company has re-evaluated its
        assumptions and updated the revenue and probability assumptions for
        future earn-out periods and lowered its projections . as a result of
        these adjustments , which were partially offset by the accretion of the
        liability , and using a current discount rate of approximately 17.0% (
        17.0 % ) , the company recorded a reversal of expense of $ 14.3 million
        in fiscal 2011 to record the contingent consideration liability at fair
        value . in addition , during the second quarter of fiscal 2011 , the
        first earn-out period ended , and the company adjusted the fair value of
        the contingent consideration liability for actual results during the
        earn-out period . this payment of $ 4.3 million was made in the third
        quarter of fiscal 2011 . at september 24 , 2011 , the fair value of the
        liability is $ 10.9 million . the company did not issue any equity
        awards in connection with this acquisition . the company incurred
        third-party transaction costs of $ 1.2 million , which were expensed
        within general and administrative expenses in fiscal 2010 . the purchase
        price was as follows: .

        | cash | $ 84751 |

        | --- | --- |

        | contingent consideration | 29500 |

        | total purchase price | $ 114251 |

        source : hologic inc , 10-k , november 23 , 2011 powered by morningstar
        ae document research 2120 the information contained herein may not be
        copied , adapted or distributed and is not warranted to be accurate ,
        complete or timely . the user assumes all risks for any damages or
        losses arising from any use of this information , except to the extent
        such damages or losses cannot be limited or excluded by applicable law .
        past financial performance is no guarantee of future results. .
      - >-
        banking ) . the results of the first step of the impairment test showed
        no indication of impairment in any of the reporting units at any of the
        periods except december 31 , 2008 and , accordingly , the company did
        not perform the second step of the impairment test , except for the test
        performed as of december 31 , 2008 . as of december 31 , 2008 , there
        was an indication of impairment in the north america consumer banking ,
        latin america consumer banking and emea consumer banking reporting units
        and , accordingly , the second step of testing was performed on these
        reporting units . based on the results of the second step of testing ,
        the company recorded a $ 9.6 billion pretax ( $ 8.7 billion after tax )
        goodwill impairment charge in the fourth quarter of 2008 , representing
        the entire amount of goodwill allocated to these reporting units . the
        primary cause for the goodwill impairment in the above reporting units
        was the rapid deterioration in the financial markets , as well as in the
        global economic outlook particularly during the period beginning
        mid-november through year end 2008 . this deterioration further weakened
        the near-term prospects for the financial services industry . these and
        other factors , including the increased possibility of further
        government intervention , also resulted in the decline in the company
        2019s market capitalization from approximately $ 90 billion at july 1 ,
        2008 and approximately $ 74 billion at october 31 , 2008 to
        approximately $ 36 billion at december 31 , 2008 . the more significant
        fair-value adjustments in the pro forma purchase price allocation in the
        second step of testing were to fair-value loans and debt and were made
        to identify and value identifiable intangibles . the adjustments to
        measure the assets , liabilities and intangibles were for the purpose of
        measuring the implied fair value of goodwill and such adjustments are
        not reflected in the consolidated balance sheet . the following table
        shows reporting units with goodwill balances and the excess of fair
        value of allocated book value as of december 31 , 2008 . reporting unit
        ( $ in millions ) fair value as a % (  % ) of allocated book value
        goodwill ( post-impairment ) .

        | reporting unit ( $ inmillions ) | fair value as a % (  % ) of
        allocated book value | goodwill ( post-impairment ) |

        | --- | --- | --- |

        | north america cards | 139% ( 139 % ) | 6765 |

        | international cards | 218% ( 218 % ) | 4066 |

        | asia consumer banking | 293% ( 293 % ) | 3106 |

        | securities & banking | 109% ( 109 % ) | 9774 |

        | global transaction services | 994% ( 994 % ) | 1570 |

        | north america gwm | 386% ( 386 % ) | 1259 |

        | international gwm | 171% ( 171 % ) | 592 |

        while no impairment was noted in step one of our securities and banking
        reporting unit impairment test at october 31 , 2008 and december 31 ,
        2008 , goodwill present in that reporting unit may be particularly
        sensitive to further deterioration in economic conditions . under the
        market approach for valuing this reporting unit , the earnings multiples
        and transaction multiples were selected from multiples obtained using
        data from guideline companies and acquisitions . the selection of the
        actual multiple considers operating performance and financial condition
        such as return on equity and net income growth of securities and banking
        as compared to the guideline companies and acquisitions . for the
        valuation under the income approach , the company utilized a discount
        rate which it believes reflects the risk and uncertainty related to the
        projected cash flows , and selected 2013 as the terminal year . in 2013
        , the value was derived assuming a return to historical levels of
        core-business profitability for the reporting unit , despite the
        significant losses experienced in 2008 . this assumption is based on
        management 2019s view that this recovery will occur based upon various
        macro- economic factors such as the recent u.s . government stimulus
        actions , restoring marketplace confidence and improved risk-management
        practices on an industry-wide basis . furthermore , company-specific
        actions such as its recently announced realignment of its businesses to
        optimize its global businesses for future profitable growth , will also
        be a factor in returning the company 2019s core securities and banking
        business to historical levels . small deterioration in the assumptions
        used in the valuations , in particular the discount rate and growth rate
        assumptions used in the net income projections , could significantly
        affect the company 2019s impairment evaluation and , hence , results .
        if the future were to differ adversely from management 2019s best
        estimate of key economic assumptions and associated cash flows were to
        decrease by a small margin , the company could potentially experience
        future material impairment charges with respect to the goodwill
        remaining in our securities and banking reporting unit . any such
        charges by themselves would not negatively affect the company 2019s tier
        1 and total regulatory capital ratios , tangible capital or the company
        2019s liquidity position. .
      - >-
        determined that it will primarily be subject to the ietu in future
        periods , and as such it has recorded tax expense of approximately $ 20
        million in 2007 for the deferred tax effects of the new ietu system . as
        of december 31 , 2007 , the company had us federal net operating loss
        carryforwards of approximately $ 206 million which will begin to expire
        in 2023 . of this amount , $ 47 million relates to the pre-acquisition
        period and is subject to limitation . the remaining $ 159 million is
        subject to limitation as a result of the change in stock ownership in
        may 2006 . this limitation is not expected to have a material impact on
        utilization of the net operating loss carryforwards . the company also
        had foreign net operating loss carryforwards as of december 31 , 2007 of
        approximately $ 564 million for canada , germany , mexico and other
        foreign jurisdictions with various expiration dates . net operating
        losses in canada have various carryforward periods and began expiring in
        2007 . net operating losses in germany have no expiration date . net
        operating losses in mexico have a ten year carryforward period and begin
        to expire in 2009 . however , these losses are not available for use
        under the new ietu tax regulations in mexico . as the ietu is the
        primary system upon which the company will be subject to tax in future
        periods , no deferred tax asset has been reflected in the balance sheet
        as of december 31 , 2007 for these income tax loss carryforwards . the
        company adopted the provisions of fin 48 effective january 1 , 2007 .
        fin 48 clarifies the accounting for income taxes by prescribing a
        minimum recognition threshold a tax benefit is required to meet before
        being recognized in the financial statements . fin 48 also provides
        guidance on derecognition , measurement , classification , interest and
        penalties , accounting in interim periods , disclosure and transition .
        as a result of the implementation of fin 48 , the company increased
        retained earnings by $ 14 million and decreased goodwill by $ 2 million
        . in addition , certain tax liabilities for unrecognized tax benefits ,
        as well as related potential penalties and interest , were reclassified
        from current liabilities to long-term liabilities . liabilities for
        unrecognized tax benefits as of december 31 , 2007 relate to various us
        and foreign jurisdictions . a reconciliation of the beginning and ending
        amount of unrecognized tax benefits is as follows : year ended december
        31 , 2007 ( in $ millions ) .

        |  | year ended december 31 2007 ( in $ millions ) |

        | --- | --- |

        | balance as of january 1 2007 | 193 |

        | increases in tax positions for the current year | 2 |

        | increases in tax positions for prior years | 28 |

        | decreases in tax positions of prior years | -21 ( 21 ) |

        | settlements | -2 ( 2 ) |

        | balance as of december 31 2007 | 200 |

        included in the unrecognized tax benefits of $ 200 million as of
        december 31 , 2007 is $ 56 million of tax benefits that , if recognized
        , would reduce the company 2019s effective tax rate . the company
        recognizes interest and penalties related to unrecognized tax benefits
        in the provision for income taxes . as of december 31 , 2007 , the
        company has recorded a liability of approximately $ 36 million for
        interest and penalties . this amount includes an increase of
        approximately $ 13 million for the year ended december 31 , 2007 . the
        company operates in the united states ( including multiple state
        jurisdictions ) , germany and approximately 40 other foreign
        jurisdictions including canada , china , france , mexico and singapore .
        examinations are ongoing in a number of those jurisdictions including ,
        most significantly , in germany for the years 2001 to 2004 . during the
        quarter ended march 31 , 2007 , the company received final assessments
        in germany for the prior examination period , 1997 to 2000 . the
        effective settlement of those examinations resulted in a reduction to
        goodwill of approximately $ 42 million with a net expected cash outlay
        of $ 29 million . the company 2019s celanese corporation and
        subsidiaries notes to consolidated financial statements 2014 ( continued
        ) %%transmsg*** transmitting job : y48011 pcn : 122000000
        ***%%pcmsg|f-49 |00023|yes|no|02/26/2008 22:07|0|0|page is valid , no
        graphics -- color : d| .
pipeline_tag: sentence-similarity
library_name: sentence-transformers
metrics:
  - cosine_accuracy@1
  - cosine_accuracy@3
  - cosine_accuracy@5
  - cosine_accuracy@10
  - cosine_precision@5
  - cosine_precision@10
  - cosine_recall@5
  - cosine_recall@10
  - cosine_ndcg@10
  - cosine_mrr@10
  - cosine_map@100
model-index:
  - name: SentenceTransformer based on unsloth/Qwen3-Embedding-4B
    results:
      - task:
          type: information-retrieval
          name: Information Retrieval
        dataset:
          name: Unknown
          type: unknown
        metrics:
          - type: cosine_accuracy@1
            value: 0.1505
            name: Cosine Accuracy@1
          - type: cosine_accuracy@3
            value: 0.343
            name: Cosine Accuracy@3
          - type: cosine_accuracy@5
            value: 0.437
            name: Cosine Accuracy@5
          - type: cosine_accuracy@10
            value: 0.5605
            name: Cosine Accuracy@10
          - type: cosine_precision@5
            value: 0.0874
            name: Cosine Precision@5
          - type: cosine_precision@10
            value: 0.056049999999999996
            name: Cosine Precision@10
          - type: cosine_recall@5
            value: 0.437
            name: Cosine Recall@5
          - type: cosine_recall@10
            value: 0.5605
            name: Cosine Recall@10
          - type: cosine_ndcg@10
            value: 0.3407446598825165
            name: Cosine Ndcg@10
          - type: cosine_mrr@10
            value: 0.27206567460317443
            name: Cosine Mrr@10
          - type: cosine_map@100
            value: 0.2857010491933338
            name: Cosine Map@100

SentenceTransformer based on unsloth/Qwen3-Embedding-4B

This is a sentence-transformers model finetuned from unsloth/Qwen3-Embedding-4B on the generator dataset. It maps sentences & paragraphs to a 2560-dimensional dense vector space and can be used for retrieval.

Model Details

Model Description

• Model Type: Sentence Transformer
• Base model: unsloth/Qwen3-Embedding-4B
• Maximum Sequence Length: 4096 tokens
• Output Dimensionality: 2560 dimensions
• Similarity Function: Cosine Similarity
• Supported Modalities: Text, Message
• Training Dataset:
  • generator

Model Sources

• Documentation: Sentence Transformers Documentation
• Repository: Sentence Transformers on GitHub
• Hugging Face: Sentence Transformers on Hugging Face

Full Model Architecture

SentenceTransformer(
  (0): Transformer({'transformer_task': 'feature-extraction', 'modality_config': {'text': {'method': 'forward', 'method_output_name': 'last_hidden_state'}, 'message': {'method': 'forward', 'method_output_name': 'last_hidden_state', 'format': 'flat'}}, 'module_output_name': 'token_embeddings', 'max_seq_length': 4096, 'do_lower_case': False, 'architecture': 'PeftModelForFeatureExtraction'})
  (1): Pooling({'embedding_dimension': 2560, 'pooling_mode': 'lasttoken', 'include_prompt': True})
  (2): Normalize({})
)

Usage

Direct Usage (Sentence Transformers)

First install the Sentence Transformers library:

pip install -U sentence-transformers

Then you can load this model and run inference.

from sentence_transformers import SentenceTransformer

# Download from the 🤗 Hub
model = SentenceTransformer("borntobeignored/qwen3-embedding-4b_lora")
# Run inference
queries = [
    'Company: Hologic | Year: 2011 | Question: What is the maximum amount of additional cash that Hologic could pay as contingent payments for the acquisition of Sentinelle Medical?',
]
documents = [
    'table of contents the company concluded that the acquisition of sentinelle medical did not represent a material business combination , and therefore , no pro forma financial information has been provided herein . subsequent to the acquisition date , the company 2019s results of operations include the results of sentinelle medical , which is included within the company 2019s breast health reporting segment . the company accounted for the sentinelle medical acquisition as a purchase of a business under asc 805 . the purchase price was comprised of an $ 84.8 million cash payment , which was net of certain adjustments , plus three contingent payments up to a maximum of an additional $ 250.0 million in cash . the contingent payments are based on a multiple of incremental revenue growth during the two-year period following the completion of the acquisition as follows : six months after acquisition , 12 months after acquisition , and 24 months after acquisition . pursuant to asc 805 , the company recorded its estimate of the fair value of the contingent consideration liability based on future revenue projections of the sentinelle medical business under various potential scenarios and weighted probability assumptions of these outcomes . as of the date of acquisition , these cash flow projections were discounted using a rate of 16.5% ( 16.5 % ) . the discount rate is based on the weighted-average cost of capital of the acquired business plus a credit risk premium for non-performance risk related to the liability pursuant to asc 820 . this analysis resulted in an initial contingent consideration liability of $ 29.5 million , which will be adjusted periodically as a component of operating expenses based on changes in the fair value of the liability driven by the accretion of the liability for the time value of money and changes in the assumptions pertaining to the achievement of the defined revenue growth milestones . this fair value measurement was based on significant inputs not observable in the market and thus represented a level 3 measurement as defined in asc during each quarter in fiscal 2011 , the company has re-evaluated its assumptions and updated the revenue and probability assumptions for future earn-out periods and lowered its projections . as a result of these adjustments , which were partially offset by the accretion of the liability , and using a current discount rate of approximately 17.0% ( 17.0 % ) , the company recorded a reversal of expense of $ 14.3 million in fiscal 2011 to record the contingent consideration liability at fair value . in addition , during the second quarter of fiscal 2011 , the first earn-out period ended , and the company adjusted the fair value of the contingent consideration liability for actual results during the earn-out period . this payment of $ 4.3 million was made in the third quarter of fiscal 2011 . at september 24 , 2011 , the fair value of the liability is $ 10.9 million . the company did not issue any equity awards in connection with this acquisition . the company incurred third-party transaction costs of $ 1.2 million , which were expensed within general and administrative expenses in fiscal 2010 . the purchase price was as follows: .\n| cash | $ 84751 |\n| --- | --- |\n| contingent consideration | 29500 |\n| total purchase price | $ 114251 |\nsource : hologic inc , 10-k , november 23 , 2011 powered by morningstar ae document research 2120 the information contained herein may not be copied , adapted or distributed and is not warranted to be accurate , complete or timely . the user assumes all risks for any damages or losses arising from any use of this information , except to the extent such damages or losses cannot be limited or excluded by applicable law . past financial performance is no guarantee of future results. .',
    'determined that it will primarily be subject to the ietu in future periods , and as such it has recorded tax expense of approximately $ 20 million in 2007 for the deferred tax effects of the new ietu system . as of december 31 , 2007 , the company had us federal net operating loss carryforwards of approximately $ 206 million which will begin to expire in 2023 . of this amount , $ 47 million relates to the pre-acquisition period and is subject to limitation . the remaining $ 159 million is subject to limitation as a result of the change in stock ownership in may 2006 . this limitation is not expected to have a material impact on utilization of the net operating loss carryforwards . the company also had foreign net operating loss carryforwards as of december 31 , 2007 of approximately $ 564 million for canada , germany , mexico and other foreign jurisdictions with various expiration dates . net operating losses in canada have various carryforward periods and began expiring in 2007 . net operating losses in germany have no expiration date . net operating losses in mexico have a ten year carryforward period and begin to expire in 2009 . however , these losses are not available for use under the new ietu tax regulations in mexico . as the ietu is the primary system upon which the company will be subject to tax in future periods , no deferred tax asset has been reflected in the balance sheet as of december 31 , 2007 for these income tax loss carryforwards . the company adopted the provisions of fin 48 effective january 1 , 2007 . fin 48 clarifies the accounting for income taxes by prescribing a minimum recognition threshold a tax benefit is required to meet before being recognized in the financial statements . fin 48 also provides guidance on derecognition , measurement , classification , interest and penalties , accounting in interim periods , disclosure and transition . as a result of the implementation of fin 48 , the company increased retained earnings by $ 14 million and decreased goodwill by $ 2 million . in addition , certain tax liabilities for unrecognized tax benefits , as well as related potential penalties and interest , were reclassified from current liabilities to long-term liabilities . liabilities for unrecognized tax benefits as of december 31 , 2007 relate to various us and foreign jurisdictions . a reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows : year ended december 31 , 2007 ( in $ millions ) .\n|  | year ended december 31 2007 ( in $ millions ) |\n| --- | --- |\n| balance as of january 1 2007 | 193 |\n| increases in tax positions for the current year | 2 |\n| increases in tax positions for prior years | 28 |\n| decreases in tax positions of prior years | -21 ( 21 ) |\n| settlements | -2 ( 2 ) |\n| balance as of december 31 2007 | 200 |\nincluded in the unrecognized tax benefits of $ 200 million as of december 31 , 2007 is $ 56 million of tax benefits that , if recognized , would reduce the company 2019s effective tax rate . the company recognizes interest and penalties related to unrecognized tax benefits in the provision for income taxes . as of december 31 , 2007 , the company has recorded a liability of approximately $ 36 million for interest and penalties . this amount includes an increase of approximately $ 13 million for the year ended december 31 , 2007 . the company operates in the united states ( including multiple state jurisdictions ) , germany and approximately 40 other foreign jurisdictions including canada , china , france , mexico and singapore . examinations are ongoing in a number of those jurisdictions including , most significantly , in germany for the years 2001 to 2004 . during the quarter ended march 31 , 2007 , the company received final assessments in germany for the prior examination period , 1997 to 2000 . the effective settlement of those examinations resulted in a reduction to goodwill of approximately $ 42 million with a net expected cash outlay of $ 29 million . the company 2019s celanese corporation and subsidiaries notes to consolidated financial statements 2014 ( continued ) %%transmsg*** transmitting job : y48011 pcn : 122000000 ***%%pcmsg|f-49 |00023|yes|no|02/26/2008 22:07|0|0|page is valid , no graphics -- color : d| .',
    'banking ) . the results of the first step of the impairment test showed no indication of impairment in any of the reporting units at any of the periods except december 31 , 2008 and , accordingly , the company did not perform the second step of the impairment test , except for the test performed as of december 31 , 2008 . as of december 31 , 2008 , there was an indication of impairment in the north america consumer banking , latin america consumer banking and emea consumer banking reporting units and , accordingly , the second step of testing was performed on these reporting units . based on the results of the second step of testing , the company recorded a $ 9.6 billion pretax ( $ 8.7 billion after tax ) goodwill impairment charge in the fourth quarter of 2008 , representing the entire amount of goodwill allocated to these reporting units . the primary cause for the goodwill impairment in the above reporting units was the rapid deterioration in the financial markets , as well as in the global economic outlook particularly during the period beginning mid-november through year end 2008 . this deterioration further weakened the near-term prospects for the financial services industry . these and other factors , including the increased possibility of further government intervention , also resulted in the decline in the company 2019s market capitalization from approximately $ 90 billion at july 1 , 2008 and approximately $ 74 billion at october 31 , 2008 to approximately $ 36 billion at december 31 , 2008 . the more significant fair-value adjustments in the pro forma purchase price allocation in the second step of testing were to fair-value loans and debt and were made to identify and value identifiable intangibles . the adjustments to measure the assets , liabilities and intangibles were for the purpose of measuring the implied fair value of goodwill and such adjustments are not reflected in the consolidated balance sheet . the following table shows reporting units with goodwill balances and the excess of fair value of allocated book value as of december 31 , 2008 . reporting unit ( $ in millions ) fair value as a % (  % ) of allocated book value goodwill ( post-impairment ) .\n| reporting unit ( $ inmillions ) | fair value as a % (  % ) of allocated book value | goodwill ( post-impairment ) |\n| --- | --- | --- |\n| north america cards | 139% ( 139 % ) | 6765 |\n| international cards | 218% ( 218 % ) | 4066 |\n| asia consumer banking | 293% ( 293 % ) | 3106 |\n| securities & banking | 109% ( 109 % ) | 9774 |\n| global transaction services | 994% ( 994 % ) | 1570 |\n| north america gwm | 386% ( 386 % ) | 1259 |\n| international gwm | 171% ( 171 % ) | 592 |\nwhile no impairment was noted in step one of our securities and banking reporting unit impairment test at october 31 , 2008 and december 31 , 2008 , goodwill present in that reporting unit may be particularly sensitive to further deterioration in economic conditions . under the market approach for valuing this reporting unit , the earnings multiples and transaction multiples were selected from multiples obtained using data from guideline companies and acquisitions . the selection of the actual multiple considers operating performance and financial condition such as return on equity and net income growth of securities and banking as compared to the guideline companies and acquisitions . for the valuation under the income approach , the company utilized a discount rate which it believes reflects the risk and uncertainty related to the projected cash flows , and selected 2013 as the terminal year . in 2013 , the value was derived assuming a return to historical levels of core-business profitability for the reporting unit , despite the significant losses experienced in 2008 . this assumption is based on management 2019s view that this recovery will occur based upon various macro- economic factors such as the recent u.s . government stimulus actions , restoring marketplace confidence and improved risk-management practices on an industry-wide basis . furthermore , company-specific actions such as its recently announced realignment of its businesses to optimize its global businesses for future profitable growth , will also be a factor in returning the company 2019s core securities and banking business to historical levels . small deterioration in the assumptions used in the valuations , in particular the discount rate and growth rate assumptions used in the net income projections , could significantly affect the company 2019s impairment evaluation and , hence , results . if the future were to differ adversely from management 2019s best estimate of key economic assumptions and associated cash flows were to decrease by a small margin , the company could potentially experience future material impairment charges with respect to the goodwill remaining in our securities and banking reporting unit . any such charges by themselves would not negatively affect the company 2019s tier 1 and total regulatory capital ratios , tangible capital or the company 2019s liquidity position. .',
]
query_embeddings = model.encode_query(queries)
document_embeddings = model.encode_document(documents)
print(query_embeddings.shape, document_embeddings.shape)
# [1, 2560] [3, 2560]

# Get the similarity scores for the embeddings
similarities = model.similarity(query_embeddings, document_embeddings)
print(similarities)
# tensor([[0.7098, 0.3908, 0.3726]])

Evaluation

Metrics

Information Retrieval

• Evaluated with InformationRetrievalEvaluator

Metric	Value
cosine_accuracy@1	0.1505
cosine_accuracy@3	0.343
cosine_accuracy@5	0.437
cosine_accuracy@10	0.5605
cosine_precision@5	0.0874
cosine_precision@10	0.056
cosine_recall@5	0.437
cosine_recall@10	0.5605
cosine_ndcg@10	0.3407
cosine_mrr@10	0.2721
cosine_map@100	0.2857

Training Details

Training Dataset

generator

• Dataset: generator
• Size: 1,458 training samples
• Columns: anchor and positive
• Approximate statistics based on the first 100 samples:

  	anchor	positive
  type	string	string
  modality	text	text
  details	min: 51 tokens mean: 67.54 tokens max: 92 tokens	min: 343 tokens mean: 998.76 tokens max: 3223 tokens

• Samples:

  anchor	positive
  Company: United Parcel Service | Year: 2010 | Question: What was the cumulative total return on investment for United Parcel Service's Class B common stock at the end of 2010, assuming $100 was invested on December 31, 2005?	shareowner return performance graph the following performance graph and related information shall not be deemed 201csoliciting material 201d or to be 201cfiled 201d with the securities and exchange commission , nor shall such information be incorporated by reference into any future filing under the securities act of 1933 or securities exchange act of 1934 , each as amended , except to the extent that the company specifically incorporates such information by reference into such filing . the following graph shows a five year comparison of cumulative total shareowners 2019 returns for our class b common stock , the standard & poor 2019s 500 index , and the dow jones transportation average . the comparison of the total cumulative return on investment , which is the change in the quarterly stock price plus reinvested dividends for each of the quarterly periods , assumes that $ 100 was invested on december 31 , 2005 in the standard & poor 2019s 500 index , the dow jones transportation averag...
  Company: United Parcel Service | Year: 2013 | Question: What was the change in net cash from operating activities at United Parcel Service between 2011 and 2012?	united parcel service , inc . and subsidiaries management's discussion and analysis of financial condition and results of operations liquidity and capital resources operating activities the following is a summary of the significant sources ( uses ) of cash from operating activities ( amounts in millions ) : . | | 2013 | 2012 | 2011 | | --- | --- | --- | --- | | net income | $ 4372 | $ 807 | $ 3804 | | non-cash operating activities ( a ) | 3318 | 7313 | 4578 | | pension and postretirement plan contributions ( ups-sponsored plans ) | -212 ( 212 ) | -917 ( 917 ) | -1436 ( 1436 ) | | income tax receivables and payables | -155 ( 155 ) | 280 | 236 | | changes in working capital and other noncurrent assets and liabilities | 121 | -148 ( 148 ) | -12 ( 12 ) | | other operating activities | -140 ( 140 ) | -119 ( 119 ) | -97 ( 97 ) | | net cash from operating activities | $ 7304 | $ 7216 | $ 7073 | ( a ) represents depreciation and amortization , gains and losses on derivative and foreign exchan...
  Company: Marathon Oil | Year: 2008 | Question: As of December 31, 2008, what were the total undiscounted minimum capital lease obligations for Marathon Oil, excluding assets under construction, in millions?	marathon oil corporation notes to consolidated financial statements preferred shares 2013 in connection with the acquisition of western discussed in note 6 , the board of directors authorized a class of voting preferred stock consisting of 6 million shares . upon completion of the acquisition , we issued 5 million shares of this voting preferred stock to a trustee , who holds the shares for the benefit of the holders of the exchangeable shares discussed above . each share of voting preferred stock is entitled to one vote on all matters submitted to the holders of marathon common stock . each holder of exchangeable shares may direct the trustee to vote the number of shares of voting preferred stock equal to the number of shares of marathon common stock issuable upon the exchange of the exchangeable shares held by that holder . in no event will the aggregate number of votes entitled to be cast by the trustee with respect to the outstanding shares of voting preferred stock exceed the numb...

• Loss: MultipleNegativesRankingLoss with these parameters:

  {
      "scale": 20.0,
      "similarity_fct": "cos_sim",
      "gather_across_devices": false,
      "directions": [
          "query_to_doc"
      ],
      "partition_mode": "joint",
      "hardness_mode": null,
      "hardness_strength": 0.0
  }
  

Evaluation Dataset

generator

• Dataset: generator
• Size: 2,000 evaluation samples
• Columns: anchor and positive
• Approximate statistics based on the first 100 samples:

  	anchor	positive
  type	string	string
  modality	text	text
  details	min: 48 tokens mean: 65.95 tokens max: 92 tokens	min: 321 tokens mean: 977.77 tokens max: 3223 tokens

• Samples:

  anchor	positive
  Company: Air Products | Year: 2015 | Question: What was the total amount of unconditional purchase obligations that Air Products was committed to in 2017?	guarantees and warranties in april 2015 , we entered into joint venture arrangements in saudi arabia . an equity bridge loan has been provided to the joint venture until 2020 to fund equity commitments , and we guaranteed the repayment of our 25% ( 25 % ) share of this loan . our venture partner guaranteed repayment of their share . our maximum exposure under the guarantee is approximately $ 100 . as of 30 september 2015 , we recorded a noncurrent liability of $ 67.5 for our obligation to make future equity contributions based on the equity bridge loan . air products has also entered into a sale of equipment contract with the joint venture to engineer , procure , and construct the industrial gas facilities that will supply gases to saudi aramco . we will provide bank guarantees to the joint venture of up to $ 326 to support our performance under the contract . we are party to an equity support agreement and operations guarantee related to an air separation facility constructed in trini...
  Company: JPMorgan Chase | Year: 2003 | Question: In JPMorgan Chase's 2003 annual report, what was the ratio of securities purchased under resale agreements to securities borrowed, based on the values of $62,801 million and $41,834 million respectively?	notes to consolidated financial statements j.p . morgan chase & co . 98 j.p . morgan chase & co . / 2003 annual report securities financing activities jpmorgan chase enters into resale agreements , repurchase agreements , securities borrowed transactions and securities loaned transactions primarily to finance the firm 2019s inventory positions , acquire securities to cover short positions and settle other securities obligations . the firm also enters into these transactions to accommodate customers 2019 needs . securities purchased under resale agreements ( 201cresale agreements 201d ) and securities sold under repurchase agreements ( 201crepurchase agreements 201d ) are generally treated as collateralized financing transactions and are carried on the consolidated bal- ance sheet at the amounts the securities will be subsequently sold or repurchased , plus accrued interest . where appropriate , resale and repurchase agreements with the same counterparty are reported on a net basis in a...
  Company: Altria | Year: 2016 | Question: As of December 31, 2016, how many individual smoking and health cases, plus smoking and health class actions and aggregated claims litigation, were pending against PM USA and, in some instances, Altria Group, Inc.?	altria group , inc . and subsidiaries notes to consolidated financial statements _________________________ may not be obtainable in all cases . this risk has been substantially reduced given that 47 states and puerto rico limit the dollar amount of bonds or require no bond at all . as discussed below , however , tobacco litigation plaintiffs have challenged the constitutionality of florida 2019s bond cap statute in several cases and plaintiffs may challenge state bond cap statutes in other jurisdictions as well . such challenges may include the applicability of state bond caps in federal court . states , including florida , may also seek to repeal or alter bond cap statutes through legislation . although altria group , inc . cannot predict the outcome of such challenges , it is possible that the consolidated results of operations , cash flows or financial position of altria group , inc. , or one or more of its subsidiaries , could be materially affected in a particular fiscal quarter o...

• Loss: MultipleNegativesRankingLoss with these parameters:

  {
      "scale": 20.0,
      "similarity_fct": "cos_sim",
      "gather_across_devices": false,
      "directions": [
          "query_to_doc"
      ],
      "partition_mode": "joint",
      "hardness_mode": null,
      "hardness_strength": 0.0
  }
  

Training Hyperparameters

Non-Default Hyperparameters

• per_device_train_batch_size: 1
• gradient_accumulation_steps: 8
• learning_rate: 0.0002
• num_train_epochs: 1
• warmup_ratio: 0.1
• bf16: True
• gradient_checkpointing: unsloth

All Hyperparameters

Click to expand

• overwrite_output_dir: False
• do_predict: False
• prediction_loss_only: True
• per_device_train_batch_size: 1
• per_device_eval_batch_size: 8
• 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: 1
• max_steps: -1
• lr_scheduler_type: linear
• 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: None
• 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: False
• 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}
• parallelism_config: 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
• hub_revision: None
• gradient_checkpointing: unsloth
• 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
• 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
• liger_kernel_config: None
• eval_use_gather_object: False
• average_tokens_across_devices: False
• prompts: None
• batch_sampler: batch_sampler
• multi_dataset_batch_sampler: proportional
• router_mapping: {}
• learning_rate_mapping: {}

Training Logs

Epoch	Step	Training Loss	cosine_ndcg@10
-1	-1	-	0.3407
0.2743	50	0.0	-
0.5487	100	0.0	-
0.8230	150	0.0	-
-1	-1	-	0.3407

Training Time

• Training: 23.6 minutes

Framework Versions

• Python: 3.11.15
• Sentence Transformers: 5.6.0
• Transformers: 4.56.2
• PyTorch: 2.11.0+cu130
• Accelerate: 1.14.0
• Datasets: 4.3.0
• Tokenizers: 0.22.2

Citation

BibTeX

Sentence Transformers

@inproceedings{reimers-2019-sentence-bert,
    title = "Sentence-BERT: Sentence Embeddings using Siamese BERT-Networks",
    author = "Reimers, Nils and Gurevych, Iryna",
    booktitle = "Proceedings of the 2019 Conference on Empirical Methods in Natural Language Processing",
    month = "11",
    year = "2019",
    publisher = "Association for Computational Linguistics",
    url = "https://arxiv.org/abs/1908.10084",
}

MultipleNegativesRankingLoss

@misc{oord2019representationlearningcontrastivepredictive,
      title={Representation Learning with Contrastive Predictive Coding},
      author={Aaron van den Oord and Yazhe Li and Oriol Vinyals},
      year={2019},
      eprint={1807.03748},
      archivePrefix={arXiv},
      primaryClass={cs.LG},
      url={https://arxiv.org/abs/1807.03748},
}