{"id":"W2340838054","doi":"10.1093/rof/rfv038","title":"Consumer Bankruptcy, Bank Mergers, and Information","year":2015,"lang":"en","type":"article","venue":"European Finance Review","topic":"Banking stability, regulation, efficiency","field":"Economics, Econometrics and Finance","cited_by":30,"is_retracted":false,"has_abstract":true,"ca_institutions":"Bank of Canada","funders":"","keywords":"Bankruptcy; Business; Loan; Monetary economics; Financial system; Market share; Economics; 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":[0.0009914733,0.00009790418,0.000276542,0.001213888,0.0002219027,0.001223575,0.0002175683,0.0004200423,0.002372643],"category_scores_gemma":[0.007052858,0.00008674977,0.0001790768,0.002388045,0.0006743762,0.0004022457,0.0002650731,0.0003817684,0.0001912618],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001063178,"about_ca_system_score_gemma":0.0005833833,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.01788658,"about_ca_topic_score_gemma":0.0196486,"domain_scores_codex":[0.9994819,0.0001349821,0.00003360229,0.00007003026,0.0002084625,0.00007100112],"domain_scores_gemma":[0.9853234,0.004325843,0.008440086,0.0002840721,0.001260871,0.0003657512],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0003986737,0.0001955558,0.9241387,0.000328959,0.000362852,0.0005275055,0.0004816409,0.00268781,0.0009896106,0.008179582,0.003663552,0.0580455],"study_design_scores_gemma":[0.000007867699,0.00005252689,0.993968,0.00006373355,0.00007503092,0.0001478317,0.0002862943,0.00104271,0.0002095257,0.001516279,0.002623345,0.000006866453],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9725118,0.01477275,0.0006727573,0.0009951289,0.00001747904,0.00001255805,0.0002534906,0.00001033911,0.01075356],"genre_scores_gemma":[0.9958342,0.003186929,0.00007197323,0.00005631428,0.00003293409,0.000002327407,0.0001074493,0.000001164105,0.0007067109],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01788658,"threshold_uncertainty_score":0.03556496,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03654413744776586,"score_gpt":0.2342644536519194,"score_spread":0.1977203162041536,"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."}}