{"id":"W2066677124","doi":"10.1007/s11146-013-9413-4","title":"The Economic Effects of Legal Restrictions on High-Cost Mortgages","year":2013,"lang":"en","type":"article","venue":"The Journal of Real Estate Finance and Economics","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":9,"is_retracted":false,"has_abstract":false,"ca_institutions":"","funders":"University of Guelph","keywords":"Economics; Legislation; Monetary economics; Attractiveness; Business; Law","routes":{"ca_aff":false,"ca_fund":true,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0009358687,0.000189679,0.0005095308,0.0001431815,0.0003179882,0.0001449709,0.0004141463,0.00008073881,0.00001821347],"category_scores_gemma":[0.00006173197,0.0001412857,0.0001390545,0.00006283254,0.0002281544,0.0005289738,0.00006520648,0.0002930833,0.0001243144],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0001991947,"about_ca_system_score_gemma":0.00008447871,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.002374821,"about_ca_topic_score_gemma":0.0002643623,"domain_scores_codex":[0.9984027,0.00003664316,0.001051093,0.0001727957,0.00001925033,0.0003175501],"domain_scores_gemma":[0.9974381,0.0006832674,0.001391161,0.0003752532,0.00003537396,0.0000768327],"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":[0.0009927723,0.0002756385,0.02732834,0.0001771695,0.0007556376,0.00001813996,0.002658509,0.08389373,0.0000684101,0.4702843,0.01969592,0.3938515],"study_design_scores_gemma":[0.005574443,0.00279573,0.3802481,0.0002338522,0.0001891244,0.0003049455,0.001212667,0.03089909,0.001699468,0.1205435,0.4547819,0.00151717],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.979553,0.0002393098,0.00004633334,0.001308947,0.001060413,0.0002473814,0.00002850667,0.000006664107,0.01750945],"genre_scores_gemma":[0.8141016,0.1851896,0.0001131637,0.00007634146,0.0001802609,0.000009625156,0.000001437895,0.00002444691,0.0003034797],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.435086,"threshold_uncertainty_score":0.5761464,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01001192715795238,"score_gpt":0.1958661387873051,"score_spread":0.1858542116293528,"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."}}