{"id":"W2111627076","doi":"10.1177/0741713609358449","title":"Are Low-Income Canadians Financially Literate? Placing Financial Literacy in the Context of Personal and Structural Constraints","year":2010,"lang":"en","type":"article","venue":"Adult Education Quarterly","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":73,"is_retracted":false,"has_abstract":true,"ca_institutions":"Canadian Mennonite University","funders":"","keywords":"Financial literacy; Socioeconomic status; Context (archaeology); Government (linguistics); Literacy; Business; Low income; Financial services; Economics; Economic growth; Finance; Sociology; Demographic economics; Geography; Population","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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001138923,0.0001886576,0.0003563598,0.001557157,0.008338072,0.003698129,0.0008805362,0.0007718583,0.005628298],"category_scores_gemma":[0.005935425,0.0001818972,0.0002273007,0.00287472,0.003427079,0.00157978,0.001525945,0.001201389,0.0003284587],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.01694672,"about_ca_system_score_gemma":0.02669989,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.9809551,"about_ca_topic_score_gemma":0.9874324,"domain_scores_codex":[0.9985643,0.0001059618,0.00002805203,0.0000766232,0.0003135681,0.000911465],"domain_scores_gemma":[0.9969489,0.0002650328,0.0005255899,0.00006854032,0.001096252,0.001095837],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0001018595,0.0001460147,0.8205495,0.0001301723,0.00003372779,0.0008860315,0.09957499,0.00008490025,0.0003280157,0.005013816,0.01419691,0.05895414],"study_design_scores_gemma":[0.000007374732,0.0000482741,0.7776479,0.0002183895,0.00002748226,0.0003829375,0.2013025,0.0001423829,0.0001241053,0.0008136081,0.01923113,0.00005387739],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9627256,0.001217,0.0000616811,0.00971928,0.00004475416,0.00001990804,0.0005326142,0.000006776769,0.02567232],"genre_scores_gemma":[0.9974707,0.0005384287,0.00004775821,0.0005735295,0.000009557147,0.000004688921,0.0001061541,0.000001916041,0.001247286],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01904494,"threshold_uncertainty_score":0.1229576,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.004075386423395648,"score_gpt":0.2233672823023649,"score_spread":0.2192918958789692,"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."}}