{"id":"W3100585835","doi":"10.37625/abr.23.2.334-357","title":"Seller Financing: Contracting Out of the Lemons and Moral Hazard Problems When They May Co-Exist","year":2020,"lang":"en","type":"article","venue":"American Business Review","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":1,"is_retracted":false,"has_abstract":true,"ca_institutions":"Toronto Metropolitan University","funders":"","keywords":"Moral hazard; Business; Asset (computer security); Database transaction; Finance; Loan; Quality (philosophy); Asset quality; Economics; Microeconomics; Incentive; Computer security; Computer science","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":[0.0148407,0.0003536229,0.001254083,0.001133762,0.001319129,0.004192315,0.001385698,0.004221631,0.01292194],"category_scores_gemma":[0.0557153,0.0006636357,0.0009966765,0.001083057,0.003725202,0.007038753,0.002637429,0.00379604,0.0005794134],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001650519,"about_ca_system_score_gemma":0.001679876,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0022997,"about_ca_topic_score_gemma":0.001767787,"domain_scores_codex":[0.9941226,0.003349977,0.0003242398,0.0008218688,0.0007248417,0.0006565762],"domain_scores_gemma":[0.9353714,0.03945446,0.0185779,0.003827409,0.001360014,0.00140875],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.0006556856,0.0004942893,0.1650897,0.0006275952,0.0004078867,0.003990571,0.00276451,0.01872456,0.001311063,0.6730126,0.008973299,0.1239482],"study_design_scores_gemma":[0.0004652,0.0004670289,0.07711945,0.000433436,0.0003068019,0.004384581,0.00307979,0.08088012,0.00139138,0.8107849,0.02053224,0.0001550962],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.6395715,0.007516226,0.2477763,0.02295907,0.000209812,0.000563924,0.0006596023,0.0001864354,0.0805571],"genre_scores_gemma":[0.9861449,0.0007621626,0.006430051,0.000536522,0.0001680654,0.0001059086,0.00008400359,0.00001332928,0.005754869],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.0148407,"threshold_uncertainty_score":0.07848608,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.06849584534257283,"score_gpt":0.2487917345650498,"score_spread":0.1802958892224769,"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."}}