{"id":"W2192796286","doi":"","title":"Closing the GAP: How Banks Can Help Older Adults Use the Equity in Their Homes to Provide Another Source of Retirement Funding","year":2015,"lang":"en","type":"article","venue":"ABA banking journal","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Home equity; Health and Retirement Study; Equity (law); Business; Quarter (Canadian coin); Asset (computer security); Retirement planning; Finance; Medicine; Gerontology","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.003030793,0.0001916293,0.0003674851,0.0002349166,0.0002612768,0.0005883961,0.0005329099,0.00008073948,0.00006706412],"category_scores_gemma":[0.0003440384,0.0001359279,0.0001367724,0.0002505694,0.00007455319,0.000337763,0.0002192475,0.0004119149,0.00001214224],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0004465512,"about_ca_system_score_gemma":0.00007147488,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0005738638,"about_ca_topic_score_gemma":0.0007503253,"domain_scores_codex":[0.9984262,0.0000788027,0.0006396264,0.0002679896,0.0000868485,0.000500539],"domain_scores_gemma":[0.9986653,0.0001777018,0.0006169906,0.0003773473,0.00006145749,0.0001012549],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0002987942,0.0001765842,0.7606534,0.00007927456,0.0001869555,0.00001475645,0.05440119,0.003206052,0.00012612,0.00554322,0.006626105,0.1686875],"study_design_scores_gemma":[0.009040883,0.0008399861,0.5732176,0.00318644,0.00008740181,0.0003579896,0.02700951,0.02799438,0.00223352,0.04196656,0.3112002,0.002865591],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9858571,0.0005247974,0.001781193,0.006145743,0.0006674254,0.0002971104,0.00001344696,0.0000146623,0.004698465],"genre_scores_gemma":[0.9981679,0.0001612331,0.0003028771,0.0007012316,0.000326888,0.000008320042,0.000001321645,0.00004172762,0.0002885094],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.3045741,"threshold_uncertainty_score":0.5673917,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.1044429472751595,"score_gpt":0.2635790860099296,"score_spread":0.1591361387347701,"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."}}