{"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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001067226,0.0001200252,0.0003862512,0.0005030363,0.0004819016,0.001706008,0.0003142549,0.0003744219,0.01112183],"category_scores_gemma":[0.008304941,0.0001611478,0.0003449471,0.0008719712,0.0003135471,0.0005469024,0.000532791,0.0009753602,0.002288308],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0003421644,"about_ca_system_score_gemma":0.0003257726,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.006650894,"about_ca_topic_score_gemma":0.008151547,"domain_scores_codex":[0.9991001,0.0002133907,0.00008465515,0.0001585835,0.0002551678,0.0001881622],"domain_scores_gemma":[0.9788631,0.005921751,0.01186266,0.0006615423,0.001136845,0.001554128],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0003904621,0.0001825042,0.9790289,0.00003515078,0.00009431448,0.0001404862,0.000244667,0.0006725632,0.001596667,0.0009177034,0.004044714,0.01265198],"study_design_scores_gemma":[0.000008299829,0.00008895482,0.9948143,0.000005880488,0.00002616384,0.00007872118,0.0001995073,0.0005996934,0.000493627,0.0002718702,0.003407544,0.000005455648],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9937111,0.0002223078,0.0005539758,0.0005050616,0.00003567687,0.00001231817,0.001328858,0.00006235885,0.003568311],"genre_scores_gemma":[0.9950696,0.0001398007,0.000166135,0.0001057371,0.00008688408,0.000009188027,0.0009337463,0.00001994237,0.003468911],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01112183,"threshold_uncertainty_score":0.03720623,"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."}}