{"id":"W1979421682","doi":"10.1111/j.1470-6431.2006.00521.x","title":"Quebec young adults’ use of and knowledge of credit","year":2006,"lang":"en","type":"article","venue":"International Journal of Consumer Studies","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":36,"is_retracted":false,"has_abstract":true,"ca_institutions":"Université Laval","funders":"Canada Millennium Scholarship Foundation; Foundation for Economic Education","keywords":"Debt; Sample (material); Young adult; Psychology; Business; Credit card; Actuarial science; Finance; Developmental psychology","routes":{"ca_aff":true,"ca_fund":true,"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":[0.000411479,0.0001206104,0.0001604252,0.0007502143,0.0008973847,0.0007543787,0.0002374437,0.0002957926,0.005753293],"category_scores_gemma":[0.001271985,0.0001099293,0.000170618,0.0008746981,0.0002361009,0.000379592,0.0002188438,0.0003397064,0.0004862359],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00353013,"about_ca_system_score_gemma":0.002357347,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.9214605,"about_ca_topic_score_gemma":0.9589059,"domain_scores_codex":[0.9998034,0.00002159749,0.00001256321,0.00002691442,0.00006958217,0.00006606619],"domain_scores_gemma":[0.9986548,0.0001302422,0.0002669777,0.0000297009,0.0006183577,0.0002997977],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0000301129,0.0000726217,0.983151,0.0000288151,0.00001214575,0.00009978591,0.004211867,0.00003229256,0.0001967679,0.00006060893,0.001697167,0.01040689],"study_design_scores_gemma":[0.000001763773,0.00002690675,0.997047,0.00001452923,0.000003203242,0.00001811347,0.001787034,0.00005347149,0.00002172269,0.000005368617,0.001018063,0.000002833252],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9962772,0.0001579529,0.00003142797,0.0001759017,0.000006544729,0.0000184452,0.0009441484,0.000002828577,0.002385656],"genre_scores_gemma":[0.9966322,0.000175364,0.00005571113,0.0001121066,0.000004033989,0.00001649961,0.0005127994,8.88115e-7,0.002490416],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.07853949,"threshold_uncertainty_score":0.158004,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02662044819105691,"score_gpt":0.2791455401556209,"score_spread":0.252525091964564,"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."}}