{"id":"W18147807","doi":"10.1038/scientificamerican0549-40","title":"Apply by Phone for a Mortgage or Loan","year":2013,"lang":"en","type":"article","venue":"Scientific American","topic":"Transportation and Mobility Innovations","field":"Engineering","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Mortgage underwriting; Business; Phone; Prepayment of loan; Loan; Amortizing loan; Finance; Computer science; Mortgage insurance; Bridge loan; Insurance policy; Non-performing loan","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.00008775239,0.00007633728,0.00009459766,0.00007353112,0.0001070834,0.00008870334,0.0001072672,0.00001382028,0.0006357465],"category_scores_gemma":[0.00001254378,0.00006700036,0.00003206827,0.0006954875,0.0002460906,0.000111543,0.000003057756,0.00004811323,0.0002025809],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00002151055,"about_ca_system_score_gemma":0.00002361137,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0000895347,"about_ca_topic_score_gemma":0.000115645,"domain_scores_codex":[0.9993646,0.000003459024,0.0001621039,0.0001683424,0.0001055955,0.000195946],"domain_scores_gemma":[0.9996059,0.00002338207,0.00002558957,0.0002017057,0.00007512679,0.00006831047],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"not_applicable","study_design_gemma":"not_applicable","study_design_scores_codex":[0.000006427459,0.00008537922,0.0005072306,0.00004950994,0.00003759734,4.486685e-7,0.001103501,0.001002888,0.1448499,0.0005596062,0.7690302,0.08276735],"study_design_scores_gemma":[0.0005267373,0.00006432263,0.008746707,0.000009210886,0.00002092484,0.000001374787,0.002532051,0.01863087,0.01538912,0.0002201784,0.9534435,0.0004149707],"study_design_candidate":"not_applicable","study_design_consensus":"not_applicable","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8759294,0.00002417957,0.1183507,0.0004457332,0.0009116911,0.0008363366,0.0003138193,0.000561743,0.002626414],"genre_scores_gemma":[0.9875512,0.00000155138,0.004161431,0.000124524,0.00002053215,0.0003227038,0.0001883645,0.00001686607,0.007612879],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.1844133,"threshold_uncertainty_score":0.6960979,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01007839004583182,"score_gpt":0.231093265487947,"score_spread":0.2210148754421152,"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."}}