{"id":"W3124149467","doi":"","title":"Competing Risks of Mortgage Termination: Who Refinances, Who Moves, and Who Defaults?","year":2002,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":12,"is_retracted":false,"has_abstract":true,"ca_institutions":"Simon Fraser University","funders":"","keywords":"Default; Loan-to-value ratio; Mortgage insurance; Value (mathematics); Mortgage underwriting; Shared appreciation mortgage; Property (philosophy); Actuarial science; Economics; Interest rate; Monetary economics; Business; Econometrics; Finance; Mathematics; Statistics; Insurance policy","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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.008163434,0.000390561,0.001213341,0.001068966,0.0007482626,0.003075905,0.001519283,0.003135703,0.004903779],"category_scores_gemma":[0.04513575,0.0003597385,0.00102335,0.001520333,0.002985485,0.006914589,0.00217606,0.003570095,0.0005643473],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001265337,"about_ca_system_score_gemma":0.0009115422,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.006610374,"about_ca_topic_score_gemma":0.00570011,"domain_scores_codex":[0.9974826,0.001443883,0.0001768973,0.0003993169,0.0002117199,0.0002855422],"domain_scores_gemma":[0.9622272,0.02503738,0.00891395,0.001130138,0.0009181424,0.00177326],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0005940655,0.0002530793,0.7350721,0.0002389054,0.0002638997,0.001079032,0.005485376,0.01217929,0.0003499254,0.1591818,0.005042461,0.08026011],"study_design_scores_gemma":[0.0001117007,0.0002221888,0.217037,0.0003064883,0.000405657,0.001530837,0.008095881,0.1321415,0.0005847653,0.6331701,0.00622858,0.0001653447],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9023028,0.009848414,0.05429637,0.02393903,0.0001116184,0.00009829061,0.0006590193,0.00005212613,0.008692405],"genre_scores_gemma":[0.994467,0.001598402,0.001804058,0.0002161426,0.0001464962,0.00003270019,0.0002468883,0.00001075767,0.001477498],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.008163434,"threshold_uncertainty_score":0.0431729,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03696825348632023,"score_gpt":0.2375151229007702,"score_spread":0.20054686941445,"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."}}