{"id":"W3125111828","doi":"","title":"The Impact of Repossession Risk on Mortgage Default","year":2018,"lang":"en","type":"preprint","venue":"RePEc: Research Papers in Economics","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":4,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Equity (law); Default; Quarter (Canadian coin); Actuarial science; Default risk; Business; Economics; Finance; Credit risk; Law","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":[0.00480873,0.000277698,0.0007988852,0.0003369882,0.0003797442,0.001160688,0.0007483074,0.001252793,0.007991812],"category_scores_gemma":[0.04465916,0.0002466356,0.0006623366,0.000267777,0.001288984,0.0009896731,0.0009013708,0.00224388,0.0006379475],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0005623887,"about_ca_system_score_gemma":0.0004803913,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.002023654,"about_ca_topic_score_gemma":0.002217863,"domain_scores_codex":[0.996897,0.00147224,0.0002409185,0.0005386301,0.0004432336,0.0004079597],"domain_scores_gemma":[0.9186425,0.05934044,0.0156706,0.003682696,0.0009670677,0.001696662],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.01356024,0.01283698,0.7584041,0.0007529119,0.001318767,0.001821971,0.001395387,0.04097301,0.0320772,0.01777734,0.002717,0.1163652],"study_design_scores_gemma":[0.0007622457,0.009064586,0.9339823,0.00008773498,0.0006205932,0.0005058579,0.001231865,0.02500011,0.009510143,0.01610569,0.002992654,0.0001361691],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9951871,0.0002744795,0.001430541,0.0003291973,0.00002614331,0.0000355529,0.0001916223,0.0000294477,0.002495931],"genre_scores_gemma":[0.9986842,0.00009317906,0.0004107096,0.0000689609,0.00001901586,0.00001508889,0.0001202547,0.00000358326,0.0005849382],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.007991812,"threshold_uncertainty_score":0.02673531,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.04794550917509535,"score_gpt":0.3317337847516036,"score_spread":0.2837882755765083,"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."}}