{"id":"W3125880693","doi":"10.2866/126935","title":"Credit Supply and Human Capital: Evidence from Bank Pension Liabilities","year":2019,"lang":"en","type":"article","venue":"RePEc: Research Papers in Economics","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"University of Toronto","funders":"Banco de Portugal; Science Foundation Ireland","keywords":"Pension; Human capital; Shock (circulatory); Business; Labour economics; Portuguese; Productivity; Value (mathematics); Bank credit; Monetary economics; Economics; Financial system; Finance; Market economy","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":[0.001396103,0.0001852544,0.0003073909,0.001153968,0.0005013702,0.001442109,0.0004560841,0.0008219113,0.01002154],"category_scores_gemma":[0.01576654,0.000224566,0.0002935796,0.002511325,0.0007394165,0.0008659158,0.0009507567,0.0006617968,0.001009797],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0004967315,"about_ca_system_score_gemma":0.0005070057,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.01378011,"about_ca_topic_score_gemma":0.01454588,"domain_scores_codex":[0.9993201,0.0002906467,0.00006423766,0.00009003598,0.0001164321,0.0001186287],"domain_scores_gemma":[0.9659494,0.01517448,0.01477674,0.001312448,0.0009591357,0.001827798],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0004279086,0.0002724722,0.9863493,0.00009959935,0.00009931035,0.0002169293,0.0006461819,0.0004084255,0.0001821613,0.0007679209,0.0007078441,0.009821928],"study_design_scores_gemma":[0.00003052862,0.0001114488,0.9964347,0.00006684133,0.00005410767,0.0001148936,0.0005965863,0.0004162138,0.0001550164,0.0006772137,0.001335983,0.000006496206],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9937151,0.00108546,0.000173323,0.0005744817,0.000006819858,0.00001035214,0.001136888,0.000003626309,0.003293944],"genre_scores_gemma":[0.9975407,0.000702581,0.00005811847,0.00005363272,0.00002396656,0.00000710488,0.00058857,0.000002106286,0.001023095],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01378011,"threshold_uncertainty_score":0.03352541,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02435157503783863,"score_gpt":0.2742697294525059,"score_spread":0.2499181544146673,"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."}}