{"id":"W2228690337","doi":"","title":"Why has the mortgage debt increased by so much in Canada","year":2015,"lang":"en","type":"preprint","venue":"RePEc: Research Papers in Economics","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"Université de Sherbrooke","funders":"","keywords":"Floating interest rate; Monetary economics; Inflation (cosmology); Economics; Interest rate; Debt; Secondary mortgage market; Mortgage underwriting; Household debt; Real interest rate; Cost of funds index; Debt service ratio; Financial system; Mortgage insurance; Internal debt; Debt levels and flows; Finance","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":[0.0005560764,0.0002910424,0.0006651468,0.0009550483,0.002462029,0.003149082,0.001235225,0.001069823,0.004495788],"category_scores_gemma":[0.003634434,0.0004128208,0.0008414112,0.00267759,0.001050998,0.001386803,0.0007908368,0.001487419,0.0003467747],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.07588018,"about_ca_system_score_gemma":0.05019231,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.9985556,"about_ca_topic_score_gemma":0.9982347,"domain_scores_codex":[0.999423,0.00002380393,0.00001790336,0.0001064437,0.0001646582,0.0002642139],"domain_scores_gemma":[0.9984218,0.0001296665,0.0002619985,0.0000677994,0.0007720573,0.0003466662],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0004447623,0.0001165975,0.8312441,0.0004022569,0.0004150421,0.0009788577,0.003867039,0.03281675,0.001946564,0.03416355,0.04229458,0.05130992],"study_design_scores_gemma":[0.00007621733,0.000058187,0.881277,0.0002162866,0.0002141978,0.0002558609,0.005647782,0.03628507,0.001065949,0.004043917,0.07071307,0.0001463784],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9386888,0.003438031,0.0007692039,0.02121656,0.0001086589,0.00002974982,0.01452163,0.0000905475,0.02113684],"genre_scores_gemma":[0.9877515,0.001429905,0.0003260066,0.0006161794,0.00002829245,0.000005791213,0.003621797,0.00001974454,0.006200771],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.07588018,"threshold_uncertainty_score":0.5505518,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.05007446007126512,"score_gpt":0.2588674002606463,"score_spread":0.2087929401893811,"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."}}