{"id":"W3036096773","doi":"10.1111/joca.12318","title":"Payday lending, crime, and bankruptcy: Is there a connection?","year":2020,"lang":"en","type":"article","venue":"Journal of Consumer Affairs","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":10,"is_retracted":false,"has_abstract":true,"ca_institutions":"Toronto Metropolitan University","funders":"","keywords":"Bankruptcy; Business; State (computer science); Population; Property (philosophy); Law and economics; Finance; Economics; Environmental health; Medicine","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"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":[0.00184655,0.0002268607,0.0005548857,0.001824446,0.001106793,0.002670679,0.0008703873,0.001543856,0.01544451],"category_scores_gemma":[0.02051359,0.0002061446,0.0005252142,0.00273609,0.002219174,0.001569262,0.001631551,0.002466619,0.0005924061],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0006563757,"about_ca_system_score_gemma":0.0009980923,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.01689532,"about_ca_topic_score_gemma":0.01881694,"domain_scores_codex":[0.9984743,0.0007707172,0.0001090531,0.000194779,0.0002356893,0.0002155526],"domain_scores_gemma":[0.9529691,0.02694178,0.01303336,0.0009217085,0.001878205,0.004255871],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0001460405,0.0002694571,0.9890565,0.0000549131,0.000112339,0.0001488748,0.000349804,0.0002077934,0.00002384867,0.001901464,0.001913678,0.005815205],"study_design_scores_gemma":[0.00002395846,0.0001975181,0.9860119,0.0002711182,0.0001625083,0.0002296778,0.005040219,0.001556581,0.00006879441,0.004784031,0.001631279,0.00002241077],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9813504,0.003480257,0.0003507734,0.009778228,0.0001028743,0.00001713789,0.0005141373,0.000009005372,0.004397236],"genre_scores_gemma":[0.9973201,0.001195495,0.000114537,0.0002576191,0.0001493874,0.00001251293,0.0001977779,0.0000030048,0.000749518],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01689532,"threshold_uncertainty_score":0.05166703,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03274567295607412,"score_gpt":0.224430313175843,"score_spread":0.1916846402197689,"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."}}