{"id":"W3122391463","doi":"10.2139/ssrn.3231596","title":"No Job, No Money, No Refi: Frictions to Refinancing in a Recession","year":2018,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":8,"is_retracted":false,"has_abstract":false,"ca_institutions":"Kellogg's (Canada)","funders":"","keywords":"Monetary policy; Market liquidity; Great recession; Recession; Economics; Monetary economics; Exploit; Unemployment; Closing (real estate); Aggregate demand; Business; Labour economics; Finance; Macroeconomics","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":"codex-gemma-dda1882f352a","candidate_categories":["insufficient_payload"],"consensus_categories":[],"category_scores_codex":[0.002646291,0.00020139,0.0003992182,0.000503904,0.0003715488,0.0001306973,0.0003507494,0.0001591992,0.0003778529],"category_scores_gemma":[0.0004157077,0.0002304225,0.000123881,0.0004101834,0.00003543213,0.0004165262,0.00008485763,0.001230029,0.01059755],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.002132641,"about_ca_system_score_gemma":0.0004432849,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0006726131,"about_ca_topic_score_gemma":0.002686152,"domain_scores_codex":[0.9967231,0.00003025985,0.0008220929,0.0004231517,0.00004411027,0.001957261],"domain_scores_gemma":[0.9990382,0.00003461834,0.000342478,0.0003150945,0.0001250264,0.000144556],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"not_applicable","study_design_scores_codex":[0.001603081,0.000748109,0.286788,0.00007402206,0.0003915691,0.0000262873,0.002488425,0.0004438718,0.001524892,0.6081573,0.03222375,0.06553065],"study_design_scores_gemma":[0.001821789,0.001481031,0.01044281,0.0001683835,0.00001303163,0.0001436496,0.000265595,0.00502237,0.00004439675,0.2106837,0.768938,0.0009752206],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.6147278,0.0006512161,0.00326512,0.0009236102,0.002716206,0.0001666142,0.00001033741,0.00005117374,0.3774879],"genre_scores_gemma":[0.9721593,0.007138311,0.001486722,0.0004428718,0.002019787,0.00001530268,0.000003867225,0.00006768778,0.01666614],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.7367142,"threshold_uncertainty_score":0.9901728,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01410478495305728,"score_gpt":0.2231294388226303,"score_spread":0.209024653869573,"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."}}