{"id":"W2982584082","doi":"10.1111/1540-6229.12337","title":"Jumbo rates below conforming rates: When did this happen and why?","year":2020,"lang":"en","type":"article","venue":"Real Estate Economics","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":11,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Quarter (Canadian coin); Coronavirus disease 2019 (COVID-19); Financial crisis; Government (linguistics); 2019-20 coronavirus outbreak; Economics; Point (geometry); Interest rate; Monetary economics; Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2); Demographic economics; Business; Financial system; Keynesian economics; Geography; Mathematics; Medicine; Geometry; Virology","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":["metaepi_narrow","insufficient_payload"],"consensus_categories":[],"category_scores_codex":[0.000579996,0.0003694316,0.0008784574,0.0001535476,0.0002319022,0.0004196371,0.0003276191,0.0001915771,0.0007205136],"category_scores_gemma":[0.0001019798,0.0004746262,0.0001525634,0.0000926707,0.0001534705,0.000888574,0.0002151189,0.0002596287,0.001232026],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.000175791,"about_ca_system_score_gemma":0.00007176056,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00147392,"about_ca_topic_score_gemma":0.0002828371,"domain_scores_codex":[0.9974822,0.0000181584,0.001105609,0.0007791225,0.00001824953,0.0005966038],"domain_scores_gemma":[0.9985346,0.000115899,0.0005755744,0.000348602,0.00002650311,0.0003987742],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"design_other","study_design_gemma":"not_applicable","study_design_scores_codex":[0.0008214572,0.0002972548,0.3114295,0.0009883754,0.001145516,0.00008732287,0.03886846,0.003364474,0.0001933921,0.2354398,0.04575718,0.3616073],"study_design_scores_gemma":[0.002328041,0.0002696871,0.005420174,0.00003671069,0.00003516662,0.00002306827,0.0008312319,0.150841,0.0003319083,0.02476422,0.813476,0.001642731],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.6776163,0.000155583,0.0002875548,0.003370684,0.0004030307,0.0003350134,0.0002338182,0.0001208819,0.3174771],"genre_scores_gemma":[0.9262745,0.06305544,0.00351846,0.004607338,0.0007113957,0.00004773099,0.0002186501,0.0002301774,0.001336246],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.7677189,"threshold_uncertainty_score":0.9997705,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03649627437383503,"score_gpt":0.220113533948875,"score_spread":0.18361725957504,"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."}}