{"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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.003625122,0.0002607226,0.0005703302,0.0002868858,0.0005078048,0.000143137,0.001440077,0.0003194229,0.00002862374],"category_scores_gemma":[0.0007573829,0.000119141,0.0002956605,0.001072864,0.0003288738,0.0004071842,0.00004508185,0.001999239,0.00002984239],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0005421997,"about_ca_system_score_gemma":0.0004917455,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.07414088,"about_ca_topic_score_gemma":0.1114407,"domain_scores_codex":[0.9975913,0.00009711854,0.001300379,0.0002271021,0.0002661248,0.0005179663],"domain_scores_gemma":[0.9973088,0.00007519216,0.001369446,0.0007925444,0.0003513651,0.0001026731],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0001735358,0.0001734609,0.9553276,0.00002393046,0.00009494418,0.00002220429,0.002235057,0.0004848819,0.00005215428,0.02676936,0.006433632,0.008209265],"study_design_scores_gemma":[0.0006275674,0.0001782089,0.9400257,0.0001070939,0.000003065995,0.00002274361,0.0002623785,0.00002674374,0.000164155,0.003064048,0.05534399,0.0001743392],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9726815,0.002157062,0.000001241562,0.002832985,0.001655053,0.0004285234,0.0001548598,0.000004422306,0.0200844],"genre_scores_gemma":[0.9976731,0.0006141173,0.00002973778,0.0003665255,0.0003777442,0.00001413769,6.992227e-7,0.00002517957,0.0008987482],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.04891036,"threshold_uncertainty_score":0.9320245,"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."}}