{"id":"W2273799993","doi":"","title":"Household Borrowing and Spending in Canada","year":2011,"lang":"en","type":"article","venue":"Bank of Canada review","topic":"Housing, Finance, and Neoliberalism","field":"Economics, Econometrics and Finance","cited_by":18,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Economics; Debt; Consumption (sociology); Household debt; Collateral; Consumer spending; Home equity; Equity (law); Finance; Monetary economics; Macroeconomics","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":true,"about_ca":true,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.000633975,0.0002466906,0.0003684064,0.003524033,0.001918844,0.002203896,0.0006285618,0.0002741103,0.005059437],"category_scores_gemma":[0.003043988,0.0001499873,0.0003527879,0.01387355,0.0005987815,0.0003929997,0.0006191063,0.0004938742,0.000200418],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.06086362,"about_ca_system_score_gemma":0.05781484,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.9981597,"about_ca_topic_score_gemma":0.998767,"domain_scores_codex":[0.9994605,0.00003849061,0.00002955526,0.00005598824,0.0002560388,0.0001594245],"domain_scores_gemma":[0.9981394,0.0001275216,0.0003083909,0.00004940902,0.001074527,0.0003007343],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0002829098,0.00008419445,0.6788113,0.001347628,0.0005430243,0.0006791441,0.006359891,0.00445931,0.0005818391,0.03875514,0.08326285,0.1848328],"study_design_scores_gemma":[0.00001331949,0.00001266859,0.9180049,0.0003503912,0.00009457932,0.0001067287,0.00194471,0.0007214767,0.0001572654,0.0005784176,0.07797939,0.0000360466],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.7409509,0.08482026,0.0003450091,0.008908436,0.0001324826,0.00009734841,0.04721587,0.000067815,0.1174618],"genre_scores_gemma":[0.9388663,0.03708718,0.0003594805,0.0003072188,0.00003881364,0.00002134468,0.007925739,0.00001751426,0.01537632],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.06086362,"threshold_uncertainty_score":0.4415985,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0514443016435931,"score_gpt":0.1968642494257456,"score_spread":0.1454199477821525,"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."}}