{"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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.004338528,0.0003706418,0.0007779766,0.001720277,0.001505038,0.002293029,0.001770451,0.001605415,0.01060504],"category_scores_gemma":[0.04034987,0.0006028319,0.001319882,0.002442851,0.001826111,0.001643458,0.00197985,0.002219677,0.0004984948],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.002324626,"about_ca_system_score_gemma":0.004777731,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.43921,"about_ca_topic_score_gemma":0.4913737,"domain_scores_codex":[0.9953796,0.001231385,0.000341758,0.0007093377,0.001042263,0.001295668],"domain_scores_gemma":[0.9515482,0.01680403,0.02230033,0.002534497,0.002824132,0.003988788],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.000334034,0.0001783357,0.9840198,0.0001015682,0.0002846834,0.0001148507,0.0009090193,0.00005745036,0.0000299247,0.0006652849,0.002072612,0.01123245],"study_design_scores_gemma":[0.00008015634,0.0001040835,0.993708,0.0006298376,0.0004763538,0.0001097693,0.001793801,0.0001753414,0.00006508815,0.0004018064,0.00244021,0.00001542118],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9677488,0.008594821,0.0002437211,0.006771829,0.0000637245,0.00008594628,0.002301716,0.000008681185,0.01418085],"genre_scores_gemma":[0.9955447,0.00180424,0.0000707022,0.001022291,0.00003577745,0.00001969631,0.0005900494,0.00000601999,0.0009065811],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.43921,"threshold_uncertainty_score":0.873307,"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."}}