{"id":"W3139280810","doi":"","title":"Consumer Credit in Canada: A Regulatory Patchwork","year":2020,"lang":"en","type":"article","venue":"eYLS (Yale Law School)","topic":"European and International Contract Law","field":"Social Sciences","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Business; Consumer protection; Commerce","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":[0.009621908,0.0003599238,0.00067099,0.003730662,0.01054013,0.01064264,0.003699441,0.003488597,0.007038813],"category_scores_gemma":[0.02007644,0.0005742859,0.0007794385,0.006561367,0.007472417,0.002232595,0.002580679,0.005328206,0.0004957266],"about_ca_system_candidate":true,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.1961631,"about_ca_system_score_gemma":0.4866747,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.9962184,"about_ca_topic_score_gemma":0.997723,"domain_scores_codex":[0.9858994,0.000913106,0.0005198932,0.001086425,0.008732093,0.00284903],"domain_scores_gemma":[0.9626743,0.00534644,0.001321444,0.0009529874,0.02576716,0.003937754],"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":[0.0001375107,0.0001186257,0.03396156,0.001808158,0.00007951799,0.0009076717,0.009506323,0.001562897,0.001488366,0.2871275,0.4468638,0.2164382],"study_design_scores_gemma":[0.00003328667,0.00003349262,0.05800666,0.002308395,0.0000519883,0.0001907463,0.005384108,0.0007056175,0.0005561615,0.006095378,0.926509,0.0001250473],"study_design_candidate":"not_applicable","study_design_consensus":"not_applicable","genre_codex":"commentary","genre_gemma":"empirical","genre_scores_codex":[0.07334583,0.1047273,0.004105474,0.5409994,0.00376403,0.0005143913,0.005599014,0.00062631,0.2663183],"genre_scores_gemma":[0.6421999,0.08172785,0.00928536,0.1266764,0.0009512869,0.0003283759,0.003104282,0.000347817,0.1353787],"genre_candidate":"empirical","genre_consensus":null,"teacher_disagreement_score":0.1961631,"threshold_uncertainty_score":0.9323369,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02191267753398248,"score_gpt":0.2503182638803375,"score_spread":0.228405586346355,"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."}}