{"id":"W3033348593","doi":"10.1111/ecin.13075","title":"In December days are shorter but loans are cheaper","year":2022,"lang":"en","type":"article","venue":"Economic Inquiry","topic":"Banking stability, regulation, efficiency","field":"Economics, Econometrics and Finance","cited_by":1,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"Université de Strasbourg","keywords":"Loan; Quarter (Canadian coin); Economics; Actuarial science; Fixed interest rate loan; Non-conforming loan; Monetary economics; Econometrics; Business; Non-performing loan; Finance","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":["insufficient_payload"],"category_scores_codex":[0.001023914,0.0002233881,0.0005106013,0.0003846572,0.00022683,0.00006831098,0.0004472194,0.0001074762,0.008471497],"category_scores_gemma":[0.00004985448,0.0003136459,0.0001522659,0.0002017308,0.0001448801,0.0003928434,0.0002678724,0.0003276029,0.001563259],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00120895,"about_ca_system_score_gemma":0.00005391935,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0002326746,"about_ca_topic_score_gemma":0.0004105599,"domain_scores_codex":[0.9976685,0.00004526035,0.0009346264,0.0008305164,0.00004333371,0.0004777804],"domain_scores_gemma":[0.9986476,0.00005797108,0.0004859575,0.0007273238,0.00001311717,0.00006804803],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0000291871,0.0002722327,0.91316,0.00002554569,0.00002731731,0.00001379254,0.003285897,0.01682251,0.000008386939,0.04503474,0.02096579,0.0003545917],"study_design_scores_gemma":[0.0009507831,0.00005277067,0.7485229,0.000009431156,0.000005568747,0.00002257336,0.001415854,0.01074755,0.00003012608,0.03047033,0.2070796,0.0006925168],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.982187,0.0008479209,0.0002252246,0.001094094,0.004145101,0.0003043801,0.0002602049,0.00005354611,0.01088251],"genre_scores_gemma":[0.9963356,0.00002683739,0.0001121514,0.0008440602,0.0005408976,0.0001373978,0.00002883045,0.00005086201,0.001923376],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.1861138,"threshold_uncertainty_score":0.9999316,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0381042734221612,"score_gpt":0.2468932889576956,"score_spread":0.2087890155355344,"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."}}