{"id":"W2938636191","doi":"10.34989/tr-106","title":"Household Risk Assessment Model","year":2021,"lang":"en","type":"article","venue":"Bank of Canada Research","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":6,"is_retracted":false,"has_abstract":true,"ca_institutions":"Bank of Canada","funders":"","keywords":"Balance sheet; Stress testing (software); Debt; Risk assessment; Vulnerability (computing); Business; Stress test; Financial risk; Systemic risk; Test (biology); Actuarial science; Economics; Finance; Computer science; Financial crisis; Computer security","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":[],"consensus_categories":[],"category_scores_codex":[0.001436084,0.0001324905,0.0002678243,0.0003018068,0.0003536752,0.000175504,0.0003609052,0.00005324702,0.0005848575],"category_scores_gemma":[0.0005973739,0.0001315773,0.00009145797,0.001356778,0.00006781059,0.0004197047,0.0003900237,0.0003505432,0.00001180921],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0002333571,"about_ca_system_score_gemma":0.002080569,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.5281618,"about_ca_topic_score_gemma":0.6869489,"domain_scores_codex":[0.9967244,0.00005873013,0.0003581701,0.0003581644,0.001966564,0.0005339305],"domain_scores_gemma":[0.997711,0.0001092392,0.000150176,0.0005428457,0.001458506,0.00002823561],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"simulation_or_modeling","study_design_scores_codex":[0.00005833093,0.0002334809,0.5326698,0.0003913635,0.00006184209,0.0002561733,0.00002667429,0.01252414,0.003573303,0.06923296,0.3788812,0.002090703],"study_design_scores_gemma":[0.001214668,0.00002152717,0.3816312,0.0001922397,0.0001641907,0.000001827967,0.0003456603,0.4268472,0.003063427,0.01405414,0.1717666,0.0006973351],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9543381,0.0002017066,0.00009203253,0.001045683,0.0001377053,0.0001724882,0.00003080547,0.00002596328,0.04395555],"genre_scores_gemma":[0.9945026,0.00003926869,0.0007139582,0.0003978561,0.0002897854,0.00001503766,0.00004804701,0.00002770467,0.003965757],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.4143231,"threshold_uncertainty_score":0.6403779,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.05706964081730265,"score_gpt":0.3053280509248042,"score_spread":0.2482584101075015,"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."}}