[
  {"query":"adjusted ebitda margin guidance","positives":["adjusted","ebitda","ebit","margin","guidance","operating","profit"],"negatives":["river","scope"]},
  {"query":"net interest margin expansion","positives":["interest","margin","net","yield","nim","banking"],"negatives":["river","scope"]},
  {"query":"allowance for credit losses","positives":["allowance","credit","losses","provision","chargeoff","delinquency"],"negatives":["river","scope"]},
  {"query":"scope 1 scope 2 emissions target","positives":["scope","emissions","target","climate","carbon","decarbonization"],"negatives":["credit","loan","bank"]},
  {"query":"sustainability linked bond","positives":["sustainability","linked","bond","green","esg","climate"],"negatives":["credit","loan","bank"]},
  {"query":"free cash flow conversion","positives":["free","cash","flow","conversion","operating","fcf"],"negatives":["river","scope"]},
  {"query":"same store sales growth","positives":["same","store","sales","growth","comparable","retail"],"negatives":["river","scope"]},
  {"query":"capital allocation buyback dividend","positives":["capital","allocation","buyback","dividend","repurchase"],"negatives":["river","scope"]},
  {"query":"decarbonization roadmap","positives":["decarbonization","roadmap","carbon","emissions","climate"],"negatives":["credit","loan","bank"]},
  {"query":"material weakness internal controls","positives":["material","weakness","internal","controls","remediation","audit"],"negatives":["river","scope"]},
  {"query":"working capital headwind","positives":["working","capital","headwind","cash","inventory"],"negatives":["river","scope"]},
  {"query":"order backlog visibility","positives":["order","backlog","visibility","pipeline","demand"],"negatives":["river","scope"]}
]