{"id":"W3125147193","doi":"10.1017/asb.2014.13","title":"STATE-DEPENDENT FEES FOR VARIABLE ANNUITY GUARANTEES","year":2014,"lang":"en","type":"article","venue":"Astin Bulletin","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":51,"is_retracted":false,"has_abstract":true,"ca_institutions":"Actua; University of Waterloo","funders":"Natural Sciences and Engineering Research Council of Canada","keywords":"Annuity; Surrender; Moneyness; Variable (mathematics); Incentive; Actuarial science; Economics; Life annuity; Payment; State variable; Embedded option; Value (mathematics); Business; Monetary economics; Finance; Interest rate; Microeconomics; Mathematics; Statistics","routes":{"ca_aff":true,"ca_fund":true,"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":[0.003227944,0.0003040777,0.0005372756,0.001013646,0.0008157145,0.003012216,0.001445387,0.001770812,0.009978618],"category_scores_gemma":[0.02044653,0.0003092755,0.0005978463,0.0008289519,0.001754924,0.003614572,0.001196466,0.002410106,0.000839916],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.003119406,"about_ca_system_score_gemma":0.001010778,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.003317217,"about_ca_topic_score_gemma":0.002748883,"domain_scores_codex":[0.9984857,0.0004443966,0.00009477211,0.0001721297,0.0004822969,0.000320757],"domain_scores_gemma":[0.9906052,0.004891627,0.001494059,0.00114876,0.001219409,0.0006410173],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.0002389538,0.0001597143,0.0068666,0.0000554467,0.00002300097,0.000286878,0.0001525351,0.370616,0.003645005,0.5844378,0.002901731,0.03061639],"study_design_scores_gemma":[0.00004167385,0.0001148723,0.003721677,0.00003822622,0.00002285018,0.0002330189,0.0001007234,0.8934621,0.002559643,0.09625523,0.003392567,0.00005746157],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.5221444,0.0009855992,0.413546,0.002542843,0.0002346505,0.0001533225,0.000509269,0.0006486934,0.05923516],"genre_scores_gemma":[0.9868383,0.00008984064,0.007334884,0.00004345445,0.00002162615,0.00001531249,0.00004616157,0.00002414795,0.005586214],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.009978618,"threshold_uncertainty_score":0.03338182,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.00869384408384613,"score_gpt":0.2030035683500172,"score_spread":0.194309724266171,"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."}}