{"id":"W2103721768","doi":"10.3386/w17448","title":"Costly Contracts and Consumer Credit","year":2011,"lang":"en","type":"report","venue":"National Bureau of Economic Research","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":23,"is_retracted":false,"has_abstract":true,"ca_institutions":"Western University","funders":"National Science Foundation","keywords":"Business; Commerce; Financial system; 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":[0.001483605,0.000181789,0.000306817,0.0006671011,0.0007424282,0.00206351,0.0005017983,0.002871434,0.01331555],"category_scores_gemma":[0.01292581,0.0002583072,0.0003800736,0.001257789,0.002630712,0.003095525,0.001003801,0.002123987,0.0003854291],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.002526483,"about_ca_system_score_gemma":0.001347201,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.006040615,"about_ca_topic_score_gemma":0.003870007,"domain_scores_codex":[0.9992782,0.000235912,0.00003151146,0.0000939592,0.0002578211,0.0001024994],"domain_scores_gemma":[0.9895138,0.006223275,0.002587127,0.0005903809,0.0005739528,0.0005114868],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"observational","study_design_scores_codex":[0.00007033101,0.0001013356,0.01041269,0.0001392071,0.00002929209,0.0002963044,0.0005523869,0.007887525,0.0001813646,0.9259478,0.01063682,0.04374492],"study_design_scores_gemma":[0.0001169922,0.00005065234,0.01261564,0.0001221598,0.0000205424,0.0003751331,0.0003401721,0.01643786,0.000102717,0.9433947,0.02639251,0.00003096481],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.5869654,0.0267106,0.04280045,0.06680041,0.0003955121,0.0002635337,0.001108275,0.0001498966,0.2748059],"genre_scores_gemma":[0.9784193,0.004821285,0.001700016,0.001070254,0.0002738,0.00004888852,0.0001480371,0.00001085575,0.01350759],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01331555,"threshold_uncertainty_score":0.04454499,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.4753798706170286,"score_gpt":0.4568071449837905,"score_spread":0.01857272563323814,"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."}}