{"id":"W1956905165","doi":"","title":"Conceptions of Borrowers and Lenders in the Canadian Payday Loan Regulatory Process: The Evidence from Manitoba and Nova Scotia","year":2011,"lang":"en","type":"article","venue":"UVic’s Research and Learning Repository (University of Victoria)","topic":"Canadian Policy and Governance","field":"Social Sciences","cited_by":2,"is_retracted":false,"has_abstract":true,"ca_institutions":"University of Victoria","funders":"","keywords":"Nova scotia; Loan; Legislature; Business; Finance; Public economics; Accounting; Economics; Political science; Law; Geography","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":[0.003702984,0.000417718,0.0005694149,0.003346925,0.02436925,0.007144263,0.002761203,0.001980765,0.005217222],"category_scores_gemma":[0.01396007,0.0006544293,0.0006520088,0.007393087,0.01176826,0.001943546,0.005079133,0.002888822,0.0003111665],"about_ca_system_candidate":true,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.1678586,"about_ca_system_score_gemma":0.1921178,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.9991248,"about_ca_topic_score_gemma":0.9995993,"domain_scores_codex":[0.9939384,0.0006937196,0.0002248448,0.0004852238,0.001584161,0.003073531],"domain_scores_gemma":[0.984673,0.003475778,0.002502477,0.0006401378,0.005929551,0.002779146],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"qualitative","study_design_scores_codex":[0.0003711567,0.0001256889,0.5592385,0.0004447,0.0001182508,0.00180865,0.3317878,0.0004824107,0.001039892,0.05913545,0.02073427,0.02471322],"study_design_scores_gemma":[0.00004910758,0.00003614342,0.6990015,0.0005388776,0.0001020574,0.0001546218,0.2512021,0.0002888251,0.0003844372,0.001386909,0.0467566,0.00009876488],"study_design_candidate":"qualitative","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8968918,0.003870679,0.0002126684,0.02241709,0.00006802575,0.0001419391,0.001439362,0.00001360415,0.07494485],"genre_scores_gemma":[0.9842627,0.001835699,0.0001464853,0.002726641,0.00001548906,0.00005609245,0.0002911558,0.00001061111,0.01065517],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.1678586,"threshold_uncertainty_score":0.9651661,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.06574285586555052,"score_gpt":0.2948866357311542,"score_spread":0.2291437798656037,"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."}}