{"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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0009585173,0.000318069,0.0003551538,0.001265277,0.005395273,0.003482673,0.0009260781,0.0009359175,0.008873049],"category_scores_gemma":[0.005889053,0.0001671695,0.0004618638,0.003144961,0.00244802,0.00168139,0.001176319,0.001714976,0.000423402],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.02567124,"about_ca_system_score_gemma":0.03478,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.9921038,"about_ca_topic_score_gemma":0.9951516,"domain_scores_codex":[0.9990999,0.00007799741,0.00002109972,0.00009156449,0.0002953994,0.0004141666],"domain_scores_gemma":[0.9955528,0.0002385266,0.001022152,0.0001036533,0.001741365,0.001341439],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"not_applicable","study_design_scores_codex":[0.0001807449,0.00006743272,0.9094079,0.0001104522,0.00009233289,0.0001943851,0.01860902,0.00016949,0.0001008633,0.006535555,0.04056611,0.02396579],"study_design_scores_gemma":[0.0000124799,0.00002627447,0.899419,0.0002344307,0.00008245168,0.00007767003,0.07525737,0.0002767421,0.0001006513,0.0007755859,0.02367449,0.00006289095],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"commentary","genre_scores_codex":[0.9046128,0.003461318,0.000169822,0.04659072,0.0002053893,0.00003720557,0.004412922,0.00001151811,0.04049828],"genre_scores_gemma":[0.9887375,0.001648164,0.0001020828,0.002320438,0.00005140883,0.0000103456,0.001234463,0.0000077824,0.005887967],"genre_candidate":"commentary","genre_consensus":null,"teacher_disagreement_score":0.02567124,"threshold_uncertainty_score":0.1862587,"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."}}