{"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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.002009172,0.0009130016,0.0008469429,0.001002038,0.0008230038,0.002129606,0.002846615,0.001842641,0.02608826],"category_scores_gemma":[0.004387445,0.0004117213,0.001024119,0.001040034,0.0006584213,0.001439292,0.001378446,0.001666437,0.003924435],"about_ca_system_candidate":true,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00377221,"about_ca_system_score_gemma":0.003247593,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.1375435,"about_ca_topic_score_gemma":0.05556539,"domain_scores_codex":[0.9990748,0.0002755747,0.00004110961,0.0001873722,0.0002145152,0.000206686],"domain_scores_gemma":[0.9985414,0.0005012142,0.0001593999,0.00008584598,0.0006020119,0.0001102675],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"simulation_or_modeling","study_design_gemma":"simulation_or_modeling","study_design_scores_codex":[0.00007023989,0.00005625561,0.005552375,0.00006657781,0.00008056315,0.0002751238,0.0002338616,0.7552635,0.0003465221,0.186038,0.0220332,0.0299839],"study_design_scores_gemma":[0.00002180469,0.00003046774,0.001659041,0.00003264972,0.00004168177,0.0001168355,0.00009967166,0.9386533,0.0001200998,0.0446687,0.01452504,0.00003070898],"study_design_candidate":"simulation_or_modeling","study_design_consensus":"simulation_or_modeling","genre_codex":"methods","genre_gemma":"empirical","genre_scores_codex":[0.07276908,0.001302809,0.7366482,0.005220388,0.000329953,0.0007288575,0.01798899,0.001649172,0.1633626],"genre_scores_gemma":[0.7387602,0.001567723,0.07118367,0.0008255919,0.0002422615,0.0009182412,0.006824784,0.000259265,0.1794182],"genre_candidate":"empirical","genre_consensus":null,"teacher_disagreement_score":0.9962278,"threshold_uncertainty_score":0.2734858,"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."}}