{"id":"W3190458521","doi":"10.1080/19491247.2021.1946639","title":"Mortgage regulation as a quick fix for the financial crisis: standardised lending and risky borrowing in Canada and the Netherlands","year":2021,"lang":"en","type":"article","venue":"International Journal of Housing Policy","topic":"Housing, Finance, and Neoliberalism","field":"Economics, Econometrics and Finance","cited_by":11,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Nexus (standard); Financial crisis; Government (linguistics); Business; Financial system; Psychological intervention; Financial market; Finance; Mortgage underwriting; State (computer science); Secondary mortgage market; Mortgage insurance; Economics; Medicine","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":[0.001481074,0.0002531059,0.0005278938,0.001028594,0.004916283,0.005095507,0.001335871,0.001390277,0.002995444],"category_scores_gemma":[0.006624361,0.0002657535,0.0003854735,0.002726494,0.003880416,0.001746476,0.002599778,0.001976218,0.0001189777],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.09992784,"about_ca_system_score_gemma":0.08808825,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.9957286,"about_ca_topic_score_gemma":0.9976166,"domain_scores_codex":[0.9976083,0.0003458731,0.00007093015,0.0001713626,0.0004948931,0.001308677],"domain_scores_gemma":[0.99668,0.0006494992,0.0005273182,0.0001104216,0.001152832,0.0008799826],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0009729385,0.000550723,0.4998904,0.0005525532,0.0003002456,0.01458325,0.1016776,0.01396468,0.001509462,0.2494989,0.04065425,0.075845],"study_design_scores_gemma":[0.0001661213,0.00009826269,0.5339313,0.0008507776,0.000179025,0.0009295715,0.3286522,0.01061494,0.001170814,0.01197672,0.1111387,0.0002915868],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9589038,0.002090961,0.000347517,0.008608149,0.00004962407,0.00005640459,0.0006281493,0.000009826244,0.02930544],"genre_scores_gemma":[0.9951072,0.0008929371,0.0001941503,0.0003608439,0.00000653551,0.00001186393,0.0001927934,0.000008268121,0.003225386],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.09992784,"threshold_uncertainty_score":0.7250307,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01657941567054589,"score_gpt":0.2561722685025532,"score_spread":0.2395928528320073,"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."}}