{"id":"W2771138943","doi":"10.1111/ecno.12110","title":"Young Adults and Their Finances: An International Comparative Study on Applied Financial Literacy","year":2017,"lang":"en","type":"article","venue":"Economic Notes","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":36,"is_retracted":false,"has_abstract":true,"ca_institutions":"Concordia University","funders":"","keywords":"Financial literacy; Financial plan; Pension; Business; Finance; Financial analysis; Economics","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":["scholarly_communication"],"consensus_categories":[],"category_scores_codex":[0.0002366813,0.000234857,0.0003298547,0.0001688635,0.000560366,0.001061267,0.0005011392,0.00004392106,0.0001753008],"category_scores_gemma":[0.0001045459,0.0002075787,0.00006170051,0.0000351074,0.00008120923,0.002195359,0.0002320458,0.0001040999,0.0003241192],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00004118337,"about_ca_system_score_gemma":0.00001696686,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.001014702,"about_ca_topic_score_gemma":0.001525379,"domain_scores_codex":[0.9989016,0.000008052049,0.0003150375,0.0004988509,0.00008583797,0.000190597],"domain_scores_gemma":[0.998906,0.00006117186,0.0004549948,0.0004902476,0.00007332774,0.00001424461],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.000280533,0.0002236471,0.9780702,0.00001159781,0.00002213891,0.000003816268,0.001948597,0.00004544047,0.00003785721,0.009560809,0.0001955126,0.009599865],"study_design_scores_gemma":[0.001043437,0.00004410663,0.9865489,0.00004398279,0.00002170111,2.926463e-7,0.0003056125,0.00608071,0.00006849669,0.001586877,0.003991255,0.0002646517],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9878847,0.00001255651,0.000008343464,0.00009954147,0.0007286558,0.0003327557,0.0000164363,0.00003978762,0.01087722],"genre_scores_gemma":[0.9979043,0.000006401742,0.00006652299,0.000265983,0.001571933,0.00003728614,0.00006300851,0.00001562683,0.00006895263],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01080826,"threshold_uncertainty_score":0.9999757,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02963209416969852,"score_gpt":0.2807066484787876,"score_spread":0.2510745543090891,"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."}}