{"id":"W4238010090","doi":"10.2139/ssrn.4026540","title":"Financial Literacy and the Timing of Tax-Preferred Savings Account Withdrawals","year":2021,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":1,"is_retracted":false,"has_abstract":false,"ca_institutions":"Statistics Canada; HEC Montréal; Memorial University of Newfoundland; Center for Interuniversity Research and Analysis on Organizations","funders":"","keywords":"Financial literacy; Savings account; Economics; Business; Finance","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":[0.002130892,0.0002271473,0.0004354618,0.0002181849,0.0004547868,0.0004407227,0.0003221698,0.00007599118,0.000155326],"category_scores_gemma":[0.0006895078,0.0001642997,0.0002302518,0.0007309784,0.0001346362,0.001282577,0.0002291226,0.0008766449,0.00002288804],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0001456217,"about_ca_system_score_gemma":0.0006601835,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0004916939,"about_ca_topic_score_gemma":0.001131533,"domain_scores_codex":[0.9974417,0.0000506051,0.0005961775,0.0002842423,0.0004657882,0.0011615],"domain_scores_gemma":[0.9984678,0.00009233053,0.0006293658,0.0002699106,0.0005277244,0.00001287322],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.0008008317,0.0001925809,0.1638647,0.0001687685,0.0002127029,0.00004431128,0.0008052053,0.00005253549,0.001943822,0.8001804,0.002070501,0.02966367],"study_design_scores_gemma":[0.00834499,0.00008528875,0.09683844,0.0005838451,0.001258494,0.0003660152,0.001426976,0.006294165,0.0004641788,0.8257539,0.05754724,0.001036465],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9924884,0.004323192,0.0003995143,0.001312092,0.0002922822,0.0001431144,0.000001721071,0.00002235687,0.001017265],"genre_scores_gemma":[0.9952295,0.001050533,0.0001183248,0.000947867,0.001100989,0.000005859303,0.0000142227,0.00002720096,0.001505527],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.06702624,"threshold_uncertainty_score":0.6699947,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.007660289081132953,"score_gpt":0.2241480847141785,"score_spread":0.2164877956330456,"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."}}