{"id":"W1981705766","doi":"10.1257/000282805775014335","title":"Services as Experience Goods: An Empirical Examination of Consumer Learning in Automobile Insurance","year":2005,"lang":"en","type":"article","venue":"American Economic Review","topic":"Consumer Market Behavior and Pricing","field":"Business, Management and Accounting","cited_by":101,"is_retracted":false,"has_abstract":true,"ca_institutions":"Kellogg's (Canada)","funders":"","keywords":"Automobile insurance; Product (mathematics); Quality (philosophy); Economics; Marketing; Point (geometry); Empirical examination; Principal (computer security); Work (physics); Empirical research; Learning effect; Microeconomics; Business; Actuarial science; Computer science","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"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":[0.002544184,0.0001639564,0.0004052061,0.001315743,0.0006783032,0.001939677,0.0007003202,0.00117852,0.003993769],"category_scores_gemma":[0.02248746,0.0002267533,0.0003553436,0.002982316,0.001711515,0.002614207,0.001582928,0.001860415,0.0003067597],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00145119,"about_ca_system_score_gemma":0.0006885982,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.02410767,"about_ca_topic_score_gemma":0.02127627,"domain_scores_codex":[0.9986287,0.0006178741,0.00006700435,0.0001172259,0.0002937081,0.0002754784],"domain_scores_gemma":[0.9604951,0.02825966,0.007327185,0.001047249,0.001402148,0.001468616],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0002039162,0.0006400927,0.975242,0.00004907838,0.00005827679,0.0002246525,0.006541098,0.001194859,0.0001567926,0.002290759,0.0003575908,0.01304082],"study_design_scores_gemma":[0.00002151954,0.0002077211,0.9730383,0.00004249632,0.00003957407,0.000147834,0.01622101,0.005918899,0.0002330623,0.00235569,0.001752929,0.00002097382],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9982386,0.0001054129,0.0001276481,0.0001978088,7.89603e-7,0.00001130776,0.00005742978,0.000001650899,0.001259323],"genre_scores_gemma":[0.9995017,0.00008134651,0.00005787286,0.00003335116,0.000003358122,0.000004617827,0.00008708957,0.000001182767,0.0002295165],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.02410767,"threshold_uncertainty_score":0.04793471,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02208865755887552,"score_gpt":0.3107822112484747,"score_spread":0.2886935536895992,"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."}}