{"id":"W2103535062","doi":"10.1002/iir.1211","title":"Consumer Debt Relief in South Africa—Should the Insolvency System Provide for NINA Debtors? Lessons from New Zealand","year":2013,"lang":"en","type":"article","venue":"International Insolvency Review","topic":"Legal Issues in South Africa","field":"Social Sciences","cited_by":4,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Debtor; Creditor; Insolvency; Debt; Poverty; Economics; Business; Financial system; Economy; Finance; Economic growth","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":true,"about_ca":false,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":["insufficient_payload"],"consensus_categories":[],"category_scores_codex":[0.0009492355,0.0002678406,0.0004950674,0.0001265221,0.0003064186,0.000323595,0.001478928,0.0001754195,0.0007894373],"category_scores_gemma":[0.001743086,0.0002004639,0.0002613925,0.0004834714,0.0002360074,0.0005346191,0.0001480251,0.0003631714,0.000806688],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.000487773,"about_ca_system_score_gemma":0.0005115839,"about_ca_topic_candidate":true,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.03069101,"about_ca_topic_score_gemma":0.004040912,"domain_scores_codex":[0.9970155,0.0002738441,0.0008643638,0.0005214889,0.0008031076,0.0005216664],"domain_scores_gemma":[0.9977949,0.0006871265,0.0004312515,0.0004756006,0.0003936229,0.0002174968],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"not_applicable","study_design_gemma":"not_applicable","study_design_scores_codex":[0.00008685597,0.0005164031,0.03130143,0.001247117,0.0005217222,0.00003527732,0.2717648,0.00001598061,0.00006754728,0.1563082,0.467583,0.07055169],"study_design_scores_gemma":[0.0004062321,0.0000288332,0.001022981,0.002881506,0.00007570903,0.000001117689,0.00138145,0.00008123946,0.000007131414,0.005717582,0.9881237,0.0002725307],"study_design_candidate":"not_applicable","study_design_consensus":"not_applicable","genre_codex":"review","genre_gemma":"empirical","genre_scores_codex":[0.01431324,0.6446946,0.001666557,0.120309,0.009648513,0.01553823,0.0006294464,0.0007776486,0.1924228],"genre_scores_gemma":[0.955893,0.01647844,0.002829059,0.001951529,0.001364169,0.00171627,0.00007300729,0.00007007575,0.01962447],"genre_candidate":"empirical","genre_consensus":null,"teacher_disagreement_score":0.9415798,"threshold_uncertainty_score":0.9999713,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0770305411021622,"score_gpt":0.3611695291445388,"score_spread":0.2841389880423766,"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."}}