{"id":"W2063096822","doi":"10.1177/002795011423000105","title":"Housing Finance in Canada: Looking Back to Move Forward","year":2014,"lang":"en","type":"article","venue":"National Institute Economic Review","topic":"Housing, Finance, and Neoliberalism","field":"Economics, Econometrics and Finance","cited_by":13,"is_retracted":false,"has_abstract":true,"ca_institutions":"Bank of Canada","funders":"","keywords":"Underwriting; Mortgage insurance; Incentive; Finance; Financial crisis; Business; Government (linguistics); Debt; Mortgage underwriting; Financial system; Subprime mortgage crisis; Secondary mortgage market; Private sector; Structured finance; Shared appreciation mortgage; Loan-to-value ratio; Economics; Insurance policy; Market economy; General insurance; Macroeconomics; Economic growth","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":"codex-gemma-dda1882f352a","candidate_categories":["metaepi_narrow","insufficient_payload"],"consensus_categories":[],"category_scores_codex":[0.0008440552,0.0002129038,0.000713724,0.0001962405,0.00008353335,0.00004407702,0.0003286025,0.00006362244,0.0003129199],"category_scores_gemma":[0.00008286514,0.0002684029,0.0001055571,0.0002318061,0.00003179495,0.0004712159,0.00006571254,0.000161344,0.002040098],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.002313059,"about_ca_system_score_gemma":0.0007142253,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.2230121,"about_ca_topic_score_gemma":0.4730569,"domain_scores_codex":[0.9979625,0.00001752582,0.00106474,0.0005357119,0.00006212983,0.0003573284],"domain_scores_gemma":[0.9991356,0.00005030631,0.0004102591,0.0002747487,0.00004179138,0.00008736472],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"not_applicable","study_design_scores_codex":[0.000007975452,0.00003260742,0.008262882,0.0005175341,0.00003054745,0.000006618073,0.00006857524,0.01734273,0.000001133721,0.9002793,0.03445884,0.03899126],"study_design_scores_gemma":[0.0003084611,0.000008094677,0.009979556,0.000632282,0.000002710689,0.000004978615,0.000001229805,0.003195181,0.000007702243,0.002425085,0.983108,0.0003266809],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"other","genre_gemma":"empirical","genre_scores_codex":[0.2236616,0.06205428,0.0052634,0.01040765,0.005279181,0.001768582,0.0004688893,0.000057347,0.691039],"genre_scores_gemma":[0.9491583,0.02699158,0.003011147,0.01893315,0.0004716076,0.00008930903,0.00005024523,0.00004677756,0.001247961],"genre_candidate":"empirical","genre_consensus":null,"teacher_disagreement_score":0.9486492,"threshold_uncertainty_score":0.9999768,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03558694514135044,"score_gpt":0.2466006477954541,"score_spread":0.2110137026541037,"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."}}