{"id":"W2047511771","doi":"10.1257/aer.97.1.402","title":"Consumer Bankruptcy: A Fresh Start","year":2007,"lang":"en","type":"article","venue":"American Economic Review","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":442,"is_retracted":false,"has_abstract":true,"ca_institutions":"Western University","funders":"","keywords":"Bankruptcy; Economics; Earnings; Luck; Fresh Start; Balance sheet; Monetary economics; Macroeconomics; Finance","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":[0.001380076,0.000468728,0.0006349655,0.002269319,0.00112543,0.005102597,0.0005494561,0.003070229,0.03454892],"category_scores_gemma":[0.005973938,0.0003277792,0.0003780534,0.003099894,0.002010629,0.007910517,0.001482107,0.003424959,0.006200146],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.002026509,"about_ca_system_score_gemma":0.001377427,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00466205,"about_ca_topic_score_gemma":0.00675786,"domain_scores_codex":[0.9995356,0.0001441736,0.00003273594,0.00006239972,0.0001705368,0.00005458631],"domain_scores_gemma":[0.9957695,0.002129434,0.0002813199,0.0003108545,0.001114514,0.0003944452],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"not_applicable","study_design_gemma":"observational","study_design_scores_codex":[0.0001026218,0.0001265078,0.003739081,0.0004739853,0.00001485296,0.0003192228,0.0006391602,0.0003850141,0.0003030221,0.1436558,0.5675138,0.2827269],"study_design_scores_gemma":[0.00001791848,0.00007628694,0.008835079,0.001565457,0.00001080507,0.0003910697,0.001098235,0.0005364522,0.0001979518,0.07109194,0.9161395,0.00003926777],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"commentary","genre_gemma":"empirical","genre_scores_codex":[0.01543253,0.3784999,0.005534748,0.4193607,0.01491078,0.00009002341,0.001200187,0.0002398671,0.1647312],"genre_scores_gemma":[0.2019254,0.423733,0.006406758,0.07824073,0.05422902,0.0001302113,0.001433778,0.0003450117,0.2335561],"genre_candidate":"empirical","genre_consensus":null,"teacher_disagreement_score":0.03454892,"threshold_uncertainty_score":0.1155776,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01557181470714744,"score_gpt":0.2575023828194233,"score_spread":0.2419305681122759,"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."}}