{"id":"W3126143874","doi":"","title":"Piling On – How Provincial Taxation of Insurance Premiums Costs Consumers","year":2018,"lang":"en","type":"article","venue":"C.D. Howe Institute Commentary","topic":"Canadian Policy and Governance","field":"Social Sciences","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Business; Property insurance; Revenue; Insurance policy; General insurance; Auto insurance risk selection; Life insurance; Finance; Actuarial science","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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0002729255,0.0001104563,0.0001466035,0.00007055774,0.0005311887,0.00004263871,0.0002811257,0.00007622658,0.00004177598],"category_scores_gemma":[0.0003857729,0.0001205957,0.00005020238,0.0002393507,0.0010435,0.0004372866,0.00003382397,0.0001263404,0.00001875689],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0004496507,"about_ca_system_score_gemma":0.0003186736,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.09486356,"about_ca_topic_score_gemma":0.2252312,"domain_scores_codex":[0.9989474,0.00008293404,0.0001583688,0.000197508,0.0003175768,0.0002961931],"domain_scores_gemma":[0.9991925,0.00007621228,0.0002945122,0.0002045033,0.00009489538,0.0001374131],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"not_applicable","study_design_gemma":"not_applicable","study_design_scores_codex":[0.0004094414,0.0003145702,0.08391896,0.00007934409,0.0001044345,0.00003144523,0.01967403,0.00002498243,0.001489181,0.07474966,0.7096448,0.1095591],"study_design_scores_gemma":[0.0005927911,0.0001426791,0.02623186,0.000157035,0.00001100933,9.78683e-7,0.0004700969,0.00002043875,0.003590275,0.0002363758,0.968348,0.0001984514],"study_design_candidate":"not_applicable","study_design_consensus":"not_applicable","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.937474,0.0000860088,0.00008650029,0.04111566,0.001528318,0.0004555921,0.0004187155,0.00004067169,0.01879459],"genre_scores_gemma":[0.9878961,0.00008790365,0.0001473176,0.01060521,0.000752871,0.00001314127,0.00001920585,0.000008142839,0.0004700812],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.2587032,"threshold_uncertainty_score":0.9111638,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02559008250530139,"score_gpt":0.2941242294363876,"score_spread":0.2685341469310862,"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."}}