{"id":"W3122584141","doi":"","title":"The Impact of the 2003 Regulatory Reform in the Canadian Property-Casualty Insurance Industry on Insurers' Surplus Levels","year":2010,"lang":"en","type":"article","venue":"Journal of Insurance Issues","topic":"Insurance and Financial Risk Management","field":"Economics, Econometrics and Finance","cited_by":2,"is_retracted":false,"has_abstract":true,"ca_institutions":"Wilfrid Laurier University","funders":"","keywords":"Economic surplus; Insurance industry; Business; Regulatory reform; Capital (architecture); Property insurance; Capital requirement; Finance; Economics; Monetary economics; Actuarial science; Insurance policy; General insurance; Market economy; Incentive","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":true,"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":[0.00305487,0.0001270163,0.0002707436,0.001535634,0.00147026,0.002713119,0.0008364489,0.0006638147,0.002170032],"category_scores_gemma":[0.01410695,0.0001433574,0.0005215587,0.001413832,0.001647672,0.0006292301,0.0008273082,0.001096773,0.000119689],"about_ca_system_candidate":true,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.03602186,"about_ca_system_score_gemma":0.03124257,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.9545759,"about_ca_topic_score_gemma":0.9763583,"domain_scores_codex":[0.9970248,0.0001687603,0.0000945144,0.000186386,0.001522669,0.001002867],"domain_scores_gemma":[0.9880915,0.002066154,0.003592174,0.0004145667,0.003871743,0.001963794],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0003488555,0.0002022034,0.9347578,0.0000698681,0.0001150681,0.000475444,0.0022749,0.005790803,0.00468656,0.01478587,0.005806558,0.03068607],"study_design_scores_gemma":[0.00001288159,0.00004680896,0.9942117,0.00001080197,0.00002506141,0.00002910298,0.0007834303,0.001394854,0.0006564175,0.0003346939,0.002479149,0.00001495765],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9873016,0.0003477038,0.0002417195,0.002159044,0.00001419573,0.000024843,0.0006835603,0.00001927934,0.00920799],"genre_scores_gemma":[0.9985667,0.00006883794,0.0001037832,0.00017664,0.00000799384,0.000002798683,0.000222364,0.000002032418,0.0008488908],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.9639781,"threshold_uncertainty_score":0.2613581,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03227629777628481,"score_gpt":0.2685948799084871,"score_spread":0.2363185821322022,"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."}}