{"id":"W3208868903","doi":"10.2139/ssrn.3914341","title":"Refundable Income Annuities: Feasibility of Money-Back Guarantees","year":2021,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":3,"is_retracted":false,"has_abstract":false,"ca_institutions":"York University","funders":"","keywords":"Economics; Actuarial science; Business; Computer science; Econometrics","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":["insufficient_payload"],"consensus_categories":[],"category_scores_codex":[0.001807231,0.0002297545,0.0004593922,0.0002778289,0.0002783865,0.0002138103,0.0003731927,0.0000877664,0.001044469],"category_scores_gemma":[0.0003172556,0.0002115798,0.0003242809,0.001009532,0.00008143936,0.0012413,0.0001697131,0.0008396095,0.0002333554],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0004248229,"about_ca_system_score_gemma":0.0009245415,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.000545196,"about_ca_topic_score_gemma":0.00264933,"domain_scores_codex":[0.9968897,0.00004563232,0.0006906696,0.0003350024,0.0005285197,0.001510489],"domain_scores_gemma":[0.9982016,0.00003919109,0.0005349102,0.0003985006,0.0008078504,0.0000179374],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.0001448894,0.0002359492,0.8543823,0.0001781091,0.0001130366,0.00001968644,0.00008337392,0.00007819172,0.00158129,0.1415181,0.0006108574,0.001054217],"study_design_scores_gemma":[0.003337438,0.0001945305,0.1600814,0.0004827257,0.0006396838,0.0001727535,0.003774082,0.00180894,0.001257328,0.788497,0.03858357,0.001170543],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9923332,0.002622468,0.000253627,0.0003241021,0.000241578,0.0001132856,0.00000339189,0.00003442952,0.004073884],"genre_scores_gemma":[0.993203,0.0006706193,0.0001405363,0.0002889182,0.0007408851,0.000002218311,0.00002545929,0.00003071214,0.004897588],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.6943009,"threshold_uncertainty_score":0.9998687,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01438184990433783,"score_gpt":0.2423896253593066,"score_spread":0.2280077754549688,"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."}}