{"id":"W3123482322","doi":"","title":"RECENT DEVELOPMENTS IN CONSUMER CREDIT AND DEFAULT LITERATURE: CONSUMER CREDIT AND DEFAULT LITERATURE","year":2015,"lang":"en","type":"article","venue":"Journal of Economic Surveys","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":13,"is_retracted":false,"has_abstract":true,"ca_institutions":"Western University","funders":"","keywords":"Consumer debt; Debt; Bankruptcy; Economics; Restructuring; Default; Household debt; Credit history; Financial system; Business; Monetary economics; Finance","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":["metaepi_narrow"],"consensus_categories":[],"category_scores_codex":[0.004064781,0.0003566352,0.0007049026,0.0008362504,0.0001099986,0.0009180729,0.0002613154,0.0002140212,0.0001511874],"category_scores_gemma":[0.0008586268,0.0003155479,0.0001037701,0.0005146403,0.000103785,0.002300757,0.0002070704,0.0004494766,0.00008603387],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0001807908,"about_ca_system_score_gemma":0.0001748557,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0001978001,"about_ca_topic_score_gemma":0.0006917789,"domain_scores_codex":[0.9976369,0.0001681319,0.001134699,0.0003942506,0.0002796206,0.0003864104],"domain_scores_gemma":[0.9977725,0.0001850646,0.0009359744,0.0002207218,0.00078135,0.0001044031],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0001761182,0.00006994442,0.9652519,0.00007351123,0.00008385433,0.0001423311,0.0003262331,0.00002963885,0.0000414912,0.0003009161,0.02527477,0.008229258],"study_design_scores_gemma":[0.003390678,0.00003865992,0.7376707,0.0005994873,0.0001380474,0.0001048151,0.0001802238,0.0007724011,0.00002802278,0.001286052,0.2552466,0.000544363],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9834967,0.01278016,0.00001073939,0.0003663664,0.001627517,0.0001884631,0.00002182204,0.0000165476,0.001491744],"genre_scores_gemma":[0.9939005,0.002930779,0.0007197931,0.0006106778,0.001266884,0.000005731284,0.0001183858,0.00004637861,0.0004008566],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.2299718,"threshold_uncertainty_score":0.9999297,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02932152225370885,"score_gpt":0.2510162939992377,"score_spread":0.2216947717455289,"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."}}