{"id":"W2884351156","doi":"10.3390/jrfm11030042","title":"Housing Market Bubbles and Mortgage Contract Design: Implications for Mortgage Lenders and Households","year":2018,"lang":"en","type":"article","venue":"Journal of risk and financial management","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":1,"is_retracted":false,"has_abstract":true,"ca_institutions":"Simon Fraser University","funders":"","keywords":"Prepayment of loan; Mortgage insurance; Mortgage underwriting; Maturity (psychological); Commercial mortgage-backed security; Business; Amortization; Collateralized mortgage obligation; Shared appreciation mortgage; Secondary mortgage market; Monetary economics; Finance; Economics; Financial system; Loan; Insurance policy","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":true,"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":[0.00179713,0.0001444245,0.0003589136,0.0002739002,0.000603253,0.001939017,0.0004775121,0.001241328,0.004684801],"category_scores_gemma":[0.01420693,0.0001975721,0.0001832655,0.0003084036,0.001894804,0.002575558,0.0009064357,0.001079461,0.0001503413],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001590385,"about_ca_system_score_gemma":0.001011265,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.01478505,"about_ca_topic_score_gemma":0.01816281,"domain_scores_codex":[0.9994501,0.0002216248,0.00002514711,0.00005006878,0.0001071311,0.0001458917],"domain_scores_gemma":[0.9928992,0.00401551,0.001738823,0.0002556673,0.0004745071,0.0006162159],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.001001068,0.0004113745,0.2101183,0.0001533894,0.00007589403,0.001272753,0.004799222,0.03420656,0.006738848,0.6710336,0.002829669,0.06735922],"study_design_scores_gemma":[0.0002945172,0.0009854347,0.3043852,0.000151777,0.00009620524,0.0007418177,0.01079702,0.1442081,0.003378636,0.5214109,0.01338721,0.0001632066],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9620719,0.0007490611,0.01450462,0.004292614,0.00001765683,0.00005762499,0.00009485256,0.00002753696,0.01818408],"genre_scores_gemma":[0.9982396,0.0001272147,0.0005696127,0.00004337732,0.00001294264,0.000008213811,0.00001289554,0.000002566924,0.0009834762],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01478505,"threshold_uncertainty_score":0.02939796,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0359768089019925,"score_gpt":0.2299411425118272,"score_spread":0.1939643336098347,"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."}}