{"id":"W2015154548","doi":"10.3905/jwm.2009.11.4.089","title":"A Different Perspective on Retirement Income Sustainability: <i>The Blueprint for a Ruin Contingent Life Annuity (RCLA)</i>","year":2009,"lang":"en","type":"article","venue":"The journal of wealth management","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":17,"is_retracted":false,"has_abstract":true,"ca_institutions":"York University","funders":"","keywords":"Annuity; Blueprint; Life annuity; Economics; Perspective (graphical); Sustainability; Actuarial science; Business; Finance; Pension; Engineering; Mathematics","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":[0.0008588232,0.0003610271,0.000283862,0.0005854697,0.0008610959,0.002930735,0.0007946017,0.003414778,0.008443047],"category_scores_gemma":[0.002028284,0.0001490554,0.0004938992,0.0004569094,0.002799853,0.004386825,0.001043195,0.003585505,0.001097079],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001252328,"about_ca_system_score_gemma":0.0008254105,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.001237776,"about_ca_topic_score_gemma":0.001159611,"domain_scores_codex":[0.9995599,0.0001991674,0.00001423777,0.00005865292,0.0001213431,0.00004675884],"domain_scores_gemma":[0.9994497,0.0002586746,0.00004915343,0.00006887016,0.0001105313,0.00006303178],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.000007763755,0.00001614001,0.0001278041,0.00002820259,0.000002361829,0.00003919842,0.000210559,0.0007938324,0.0001925891,0.9821627,0.007201831,0.009216995],"study_design_scores_gemma":[0.00001021442,0.000058674,0.0004312363,0.0001521978,0.000006646242,0.0001949338,0.0004209124,0.005793946,0.0006859358,0.7204147,0.2718085,0.00002210311],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"other","genre_gemma":"empirical","genre_scores_codex":[0.04904667,0.02285039,0.2293581,0.2501335,0.00556063,0.00007331636,0.0002997923,0.0002687203,0.4424089],"genre_scores_gemma":[0.8215013,0.01021555,0.06376436,0.02215012,0.003856218,0.0001162639,0.00009980496,0.0001473717,0.07814911],"genre_candidate":"empirical","genre_consensus":null,"teacher_disagreement_score":0.008443047,"threshold_uncertainty_score":0.02824485,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01296782529249753,"score_gpt":0.270147934165629,"score_spread":0.2571801088731315,"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."}}