{"id":"W3122872337","doi":"","title":"Spendthrifts and Savers: Are Canadians Acting Like they are “House Poor” or “House Rich”?","year":2017,"lang":"en","type":"article","venue":"C.D. Howe Institute Commentary","topic":"Canadian Policy and Governance","field":"Social Sciences","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Leverage (statistics); Debt; Consumption (sociology); Interest rate; Debt service coverage ratio; Monetary economics; Consumer spending; Shock (circulatory); Economics; Recession; Household debt; Business; Finance; External debt; Macroeconomics","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":["sts"],"consensus_categories":[],"category_scores_codex":[0.000316395,0.0002415699,0.000294083,0.00009387993,0.003858473,0.0005474489,0.0008463365,0.0001443531,0.0001212593],"category_scores_gemma":[0.0004618518,0.0002401953,0.00007077825,0.00009331336,0.0006990674,0.001326318,0.0001927812,0.0003230588,0.00005491581],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0005422799,"about_ca_system_score_gemma":0.0004519841,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.8176306,"about_ca_topic_score_gemma":0.9900897,"domain_scores_codex":[0.998261,0.00008453997,0.0002166481,0.0003950546,0.0003164594,0.0007263258],"domain_scores_gemma":[0.9981335,0.0001128259,0.0004205908,0.0006548251,0.00004582037,0.0006323754],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"not_applicable","study_design_gemma":"not_applicable","study_design_scores_codex":[0.0001070465,0.00008753438,0.05729985,0.00004839476,0.0001131776,0.001270734,0.01876556,0.0000102521,0.0000175064,0.002079128,0.9073315,0.01286931],"study_design_scores_gemma":[0.0006924749,0.00003218493,0.02470253,0.0001990445,0.00003355598,0.00001263305,0.006264076,0.000005439382,0.00003478481,0.0002356621,0.9674349,0.0003527376],"study_design_candidate":"not_applicable","study_design_consensus":"not_applicable","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.6731541,0.0004399046,0.00001373084,0.3051765,0.003010654,0.000739519,0.0009918392,0.0003115294,0.01616227],"genre_scores_gemma":[0.9486535,0.0009162726,0.0001473944,0.04687104,0.001022908,0.00001586389,0.000005179881,0.00005003625,0.0023178],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.2754995,"threshold_uncertainty_score":0.9974384,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0544218950905023,"score_gpt":0.3100447308778521,"score_spread":0.2556228357873498,"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."}}