{"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":"codex-gemma-dda1882f352a","candidate_categories":["metaepi_narrow","insufficient_payload"],"consensus_categories":["insufficient_payload"],"category_scores_codex":[0.009330331,0.0003287675,0.001181586,0.001353369,0.0001727264,0.0001479876,0.0005470903,0.0007259842,0.002627978],"category_scores_gemma":[0.001866421,0.0004178758,0.0002229496,0.0001276199,0.0006044366,0.0003253644,0.0002617615,0.0009051815,0.00152485],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001465601,"about_ca_system_score_gemma":0.001632086,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00386793,"about_ca_topic_score_gemma":0.0003144889,"domain_scores_codex":[0.996517,0.00006684347,0.001618656,0.0009139224,0.0002499275,0.0006336553],"domain_scores_gemma":[0.996574,0.0008764054,0.001013691,0.0004781054,0.0008217773,0.0002360119],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.0001094639,0.0001287938,0.01433212,0.0002438926,0.0004536601,0.000006694865,0.0001365007,0.00001587771,0.000006015905,0.8059446,0.1745077,0.004114676],"study_design_scores_gemma":[0.0006502028,0.00008655832,0.002680445,0.00007166042,0.00001180804,0.00002925513,0.00002204692,0.0003008439,0.0000263782,0.5559403,0.4397661,0.0004143338],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"other","genre_gemma":"empirical","genre_scores_codex":[0.004617619,0.00411641,0.000007766365,0.0002674056,0.001463785,0.0006436661,0.0005599278,0.00002298833,0.9883004],"genre_scores_gemma":[0.9433274,0.03387845,0.0004893184,0.00007225527,0.001793078,0.0001886723,0.0005349522,0.0001693228,0.01954653],"genre_candidate":"other","genre_consensus":null,"teacher_disagreement_score":0.9687539,"threshold_uncertainty_score":0.9998273,"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."}}