{"id":"W2166489623","doi":"10.1017/cls.2013.33","title":"Credit Counselling in Canada: An Empirical Examination","year":2013,"lang":"en","type":"article","venue":"Canadian Journal of Law and Society / Revue Canadienne Droit et Société","topic":"Legal principles and applications","field":"Social Sciences","cited_by":2,"is_retracted":false,"has_abstract":true,"ca_institutions":"Carleton University","funders":"","keywords":"Debtor; Bankruptcy; Debt; Agency (philosophy); Disadvantaged; Business; Empirical research; Point (geometry); Law and economics; Finance; Economics; Law; Political science; Sociology; Creditor","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":[0.004387937,0.0004043049,0.001064964,0.005024386,0.01482532,0.004986557,0.003971625,0.001679141,0.009381199],"category_scores_gemma":[0.02386091,0.0006497775,0.0007049288,0.0175706,0.004341964,0.00178205,0.003235394,0.003682251,0.0006454546],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.1158749,"about_ca_system_score_gemma":0.2091266,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.9966863,"about_ca_topic_score_gemma":0.9982548,"domain_scores_codex":[0.9924669,0.001027356,0.0003699015,0.0006005162,0.003146231,0.002389061],"domain_scores_gemma":[0.9548357,0.01025535,0.007456406,0.001079355,0.01917428,0.007198859],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0001414233,0.0006973628,0.9323074,0.0002793497,0.00007277356,0.0004662251,0.02792071,0.0003028538,0.0000965639,0.005601415,0.01219189,0.01992206],"study_design_scores_gemma":[0.0000312628,0.00006960765,0.8741472,0.0005348313,0.00006465885,0.0001080754,0.1099022,0.001335981,0.0001150564,0.0003364684,0.01329722,0.00005729429],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9777119,0.000881396,0.0001757334,0.003751591,0.00003071285,0.000270364,0.003096208,0.00002071256,0.01406118],"genre_scores_gemma":[0.9932348,0.0009244101,0.0002877363,0.0007670392,0.00001253554,0.00008719567,0.001240743,0.00001289121,0.003432604],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.1158749,"threshold_uncertainty_score":0.8407354,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02640559053585586,"score_gpt":0.2825400505407463,"score_spread":0.2561344600048904,"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."}}