{"id":"W261424975","doi":"","title":"Canadian Mortgage Law and Prepayment Penalties","year":2015,"lang":"en","type":"article","venue":"Scholarship@Western (Western University)","topic":"Law, logistics, and international trade","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"University of Toronto","funders":"","keywords":"Prepayment of loan; Discretion; Compromise; Business; Legislation; Law and economics; Payment; Actuarial science; Law; Mortgage underwriting; Transferability; Economics; Finance; Mortgage insurance; Microeconomics; Insurance policy; Political science; Incentive; Key person insurance","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":[0.001897421,0.0006392874,0.000349938,0.002131381,0.009319455,0.005913513,0.001932132,0.004816915,0.02520946],"category_scores_gemma":[0.008258352,0.0006209411,0.0005587211,0.00239369,0.004331128,0.002162357,0.001783378,0.004451607,0.002334926],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.05989938,"about_ca_system_score_gemma":0.07702722,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.972675,"about_ca_topic_score_gemma":0.9809355,"domain_scores_codex":[0.9928023,0.000382083,0.0002399505,0.0006797083,0.004580112,0.001315888],"domain_scores_gemma":[0.9964281,0.0005856896,0.0002304956,0.0003119248,0.002057617,0.0003862631],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"not_applicable","study_design_scores_codex":[0.00001601569,0.00001267231,0.001048645,0.00003807285,0.000003595833,0.0001866545,0.0006088802,0.0003714726,0.0001856062,0.8912603,0.09374801,0.01252012],"study_design_scores_gemma":[0.00001996137,0.00001714542,0.009348104,0.0001631682,0.00001368878,0.0001667015,0.0003579283,0.00119886,0.0003809956,0.03525834,0.9530181,0.00005705935],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"other","genre_gemma":"other","genre_scores_codex":[0.0079826,0.003546036,0.00169977,0.01471629,0.000449105,0.00008538683,0.00110787,0.0001326329,0.9702802],"genre_scores_gemma":[0.2531888,0.004776177,0.003132653,0.01127243,0.000405322,0.0001574888,0.0009765177,0.0001563417,0.7259343],"genre_candidate":"other","genre_consensus":"other","teacher_disagreement_score":0.05989938,"threshold_uncertainty_score":0.4346024,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.1357170756947082,"score_gpt":0.2899471890579436,"score_spread":0.1542301133632355,"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."}}