{"id":"W4294536976","doi":"10.33422/ijarme.v4i3.748","title":"Financial Capability Formation and the Variables that Effect It with Respect to Canadian Consumers","year":2021,"lang":"en","type":"article","venue":"International Journal of Applied Research in Management and Economics","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"University of Windsor","funders":"University of Windsor","keywords":"Financial literacy; Consumption (sociology); Net worth; Finance; Debt; Index (typography); Business; Financial services; Financial management; Economics","routes":{"ca_aff":true,"ca_fund":true,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.003269893,0.0001053986,0.0002124915,0.0007956901,0.0001653956,0.0005630265,0.000281196,0.00003451935,0.00007317729],"category_scores_gemma":[0.0001260928,0.00007719475,0.00003933273,0.000300919,0.0001327883,0.0005453731,0.0002326415,0.0002084963,0.00001534228],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0002300551,"about_ca_system_score_gemma":0.0000824726,"about_ca_topic_candidate":true,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.004756371,"about_ca_topic_score_gemma":0.04488111,"domain_scores_codex":[0.9988866,0.00003717368,0.000334478,0.0001913227,0.0003164035,0.0002339824],"domain_scores_gemma":[0.999181,0.0001891171,0.0001556234,0.0001228449,0.0003188869,0.00003247468],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"not_applicable","study_design_scores_codex":[0.006105533,0.00009714073,0.2971722,0.0003776492,0.0002991858,0.0003762807,0.0008889164,0.002888726,0.00003245407,0.6541229,0.009504414,0.02813458],"study_design_scores_gemma":[0.01645894,0.0001318799,0.3427727,0.0008063131,0.0003102636,0.00006509121,0.004774521,0.01669311,0.0003733416,0.1506404,0.4661305,0.0008430009],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9751226,0.00005599096,0.00005124803,0.007020811,0.0001689189,0.0003625588,0.000002820874,0.000003046621,0.017212],"genre_scores_gemma":[0.9978077,0.0003088668,0.0003774277,0.001178522,0.0001998438,0.00001872727,0.00001115305,0.000008269618,0.00008946256],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.5034826,"threshold_uncertainty_score":0.9725474,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02418969058108983,"score_gpt":0.2646664112672994,"score_spread":0.2404767206862096,"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."}}