{"id":"W3181287783","doi":"10.52227/23843.2021","title":"The Earthquake Insurance Protection Gap: A Tale of Two Countries","year":2020,"lang":"en","type":"article","venue":"Journal of Insurance Regulation","topic":"Insurance and Financial Risk Management","field":"Economics, Econometrics and Finance","cited_by":5,"is_retracted":false,"has_abstract":true,"ca_institutions":"York University; Wilfrid Laurier University","funders":"","keywords":"Property insurance; Legislation; Product (mathematics); Business; Subsidy; Business interruption insurance; Insurance policy; Casualty insurance; Mainland; Actuarial science; General insurance; Finance; Income protection insurance; Economics; Geography; Political science; Law; 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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0008239018,0.0001200442,0.0003752693,0.0001036703,0.0001793281,0.00005976676,0.0002227086,0.00005722708,0.00002148002],"category_scores_gemma":[0.0002271596,0.0001026704,0.0001687759,0.0004035023,0.0001051053,0.0005372652,0.0000214082,0.0001856348,0.00004644222],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00005453567,"about_ca_system_score_gemma":0.00003325891,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00003388678,"about_ca_topic_score_gemma":0.00001523843,"domain_scores_codex":[0.9983816,0.00003005657,0.001117563,0.0001503339,0.0001415689,0.0001789061],"domain_scores_gemma":[0.9976621,0.0000436554,0.001822963,0.0001698738,0.0002525486,0.00004888878],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.001282626,0.000152363,0.6019746,0.0003116422,0.0002043631,0.00001214025,0.002698983,0.01552293,0.00119697,0.2882551,0.001271713,0.08711652],"study_design_scores_gemma":[0.001152658,0.0002728564,0.922987,0.0000781171,0.0000055509,0.000009247868,0.00005466919,0.001461428,0.0008936499,0.02132111,0.05161728,0.0001464513],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9730241,0.003475025,0.01786434,0.002843484,0.0005803473,0.0003101947,0.00004399273,0.0000125633,0.001845964],"genre_scores_gemma":[0.997803,0.00124711,0.0003432391,0.0001361336,0.0003520093,0.000008295528,0.000001125515,0.00001445019,0.00009467046],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.3210124,"threshold_uncertainty_score":0.4186778,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02869975384530744,"score_gpt":0.2228730928404262,"score_spread":0.1941733389951188,"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."}}