{"id":"W3009062522","doi":"","title":"Just Released: Shifts in Credit Market Participation over Two Decades","year":2019,"lang":"en","type":"article","venue":"Liberty Street Economics","topic":"Housing, Finance, and Neoliberalism","field":"Economics, Econometrics and Finance","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Boom; Quarter (Canadian coin); Debt; Household debt; Recession; Loan; Great recession; Economics; Sample (material); Credit history; Bond market; Credit crunch; Panel data; Business; Demographic economics; Monetary economics; Financial system; Finance; Labour economics; Macroeconomics; Geography; Engineering","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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001270782,0.0002613906,0.0003264479,0.002590129,0.0008047321,0.002811871,0.0004708358,0.0007337169,0.02689002],"category_scores_gemma":[0.007505297,0.0002051385,0.000221651,0.004985242,0.0003384691,0.002675158,0.001550254,0.001597257,0.007315205],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001035161,"about_ca_system_score_gemma":0.001099431,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.03270445,"about_ca_topic_score_gemma":0.03589546,"domain_scores_codex":[0.9991862,0.00008205124,0.00007570702,0.0001567014,0.000333335,0.0001660241],"domain_scores_gemma":[0.9922695,0.001077191,0.001993197,0.0003930659,0.003014054,0.001252929],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"not_applicable","study_design_gemma":"observational","study_design_scores_codex":[0.0004181894,0.0001463345,0.196294,0.0006607256,0.00006360122,0.0002318503,0.004671566,0.0001263829,0.0008899724,0.006407219,0.5833211,0.206769],"study_design_scores_gemma":[0.00001366105,0.00005922083,0.6140372,0.0002733931,0.00001316577,0.0001426173,0.003315185,0.0001422962,0.0003820893,0.0003704594,0.3812197,0.00003098531],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.5155934,0.01542613,0.001205892,0.05587179,0.005341352,0.0001480873,0.310198,0.0007580603,0.09545727],"genre_scores_gemma":[0.6788211,0.01377716,0.00106759,0.007370466,0.004343245,0.0003990996,0.1728715,0.0004335793,0.1209163],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.03270445,"threshold_uncertainty_score":0.08995605,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02790973167408365,"score_gpt":0.2492380058226683,"score_spread":0.2213282741485847,"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."}}