{"id":"W2256782488","doi":"10.21799/frbp.wp.2015.40","title":"Who Is Screened Out of Social Insurance Programs by Entry Barriers? Evidence from Consumer Bankruptcies","year":2015,"lang":"en","type":"report","venue":"Working paper","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"University of Alberta","funders":"","keywords":"Business; Social insurance; Marketing; Actuarial science; Advertising; Political science; Law","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":"codex-gemma-dda1882f352a","candidate_categories":["metaepi_narrow","insufficient_payload"],"consensus_categories":[],"category_scores_codex":[0.001450409,0.0007067891,0.001389768,0.0002944611,0.0003679688,0.0005510423,0.0007775562,0.0006079157,0.002118746],"category_scores_gemma":[0.001231315,0.0006782909,0.0005550401,0.0008504879,0.0003383984,0.00101608,0.0004944615,0.0005428498,0.0002650344],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0002519202,"about_ca_system_score_gemma":0.0005199726,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.005421111,"about_ca_topic_score_gemma":0.001085263,"domain_scores_codex":[0.9941733,0.00005598088,0.001190902,0.000988823,0.002955448,0.0006355537],"domain_scores_gemma":[0.9951867,0.0001109095,0.001855635,0.0007132224,0.002083437,0.00005010152],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"not_applicable","study_design_scores_codex":[0.00007759352,0.00004352851,0.6404696,0.0002937599,0.0001569334,0.00001159274,0.000480666,5.679006e-7,0.0001534194,0.00003183956,0.3487111,0.009569465],"study_design_scores_gemma":[0.0003695191,0.000009458277,0.04750818,0.003325255,0.0006948346,3.300149e-7,0.0001437886,0.00003239436,0.00003323155,0.0001499272,0.9469789,0.0007541763],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.6904299,0.07056744,0.00004029827,0.001810325,0.01012647,0.003060736,0.0006277681,0.0009138519,0.2224232],"genre_scores_gemma":[0.9769418,0.001355348,0.0001771929,0.001409185,0.004780703,0.00007628531,0.0009678339,0.0001721153,0.0141195],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.5982679,"threshold_uncertainty_score":0.9995669,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.05934333695410016,"score_gpt":0.2831594407542968,"score_spread":0.2238161038001966,"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."}}