{"id":"W1507626498","doi":"10.2139/ssrn.1954649","title":"Loan Aversion Among Canadian High School Students","year":2011,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":7,"is_retracted":false,"has_abstract":false,"ca_institutions":"Center for Interuniversity Research and Analysis on Organizations","funders":"","keywords":"Psychology; Student loan; Loan; Economics; Actuarial science; Business; Mathematics education; Finance","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001021514,0.000297861,0.0006148849,0.002414121,0.00486581,0.002743654,0.001172355,0.001310307,0.006312456],"category_scores_gemma":[0.003541773,0.0003883498,0.0006884955,0.003715321,0.0009999208,0.0005899865,0.0008887948,0.001988668,0.0007268958],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.01613081,"about_ca_system_score_gemma":0.02194855,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.9699007,"about_ca_topic_score_gemma":0.9850027,"domain_scores_codex":[0.9988311,0.00006773346,0.00005419994,0.0001098085,0.0003964489,0.0005407021],"domain_scores_gemma":[0.9945669,0.0002901649,0.001017597,0.0001240482,0.001958216,0.002043052],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0001029608,0.0002946773,0.9909278,0.00001769999,0.00001982025,0.0001435663,0.00254579,0.00004045649,0.0001188027,0.0002593099,0.001689625,0.003839622],"study_design_scores_gemma":[0.000008284557,0.00004343025,0.9945363,0.00002763323,0.00001387942,0.0000444169,0.00404476,0.00009538564,0.00003421037,0.00005793089,0.001079415,0.00001435472],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9956578,0.0002618507,0.00001153353,0.0004566017,0.00001415469,0.00001746125,0.0003863891,0.000002906669,0.003191283],"genre_scores_gemma":[0.9973149,0.0001746853,0.00001587532,0.000138488,0.000006021929,0.000006077801,0.0002089406,0.000002727249,0.002132297],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.03009933,"threshold_uncertainty_score":0.1170378,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.008197886727745993,"score_gpt":0.1987042259293203,"score_spread":0.1905063392015743,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}