{"id":"W4296129456","doi":"10.1016/j.jfineco.2022.09.001","title":"Measuring the welfare cost of asymmetric information in consumer credit markets","year":2022,"lang":"en","type":"article","venue":"Journal of Financial Economics","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":52,"is_retracted":false,"has_abstract":false,"ca_institutions":"Kellogg's (Canada)","funders":"University of Chicago","keywords":"Welfare; Economics; Information asymmetry; Consumer welfare; Monetary economics; Business; Microeconomics; Financial economics; 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":[0.00171678,0.0001175427,0.0003347247,0.0009898138,0.0002397544,0.00009817011,0.0004042364,0.00003973188,0.0002637025],"category_scores_gemma":[0.0006604922,0.0001046663,0.0001854791,0.0008351252,0.00003556595,0.001721629,0.0002084062,0.0003013854,0.00001586434],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0001996295,"about_ca_system_score_gemma":0.0001232629,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0002343668,"about_ca_topic_score_gemma":0.0001361411,"domain_scores_codex":[0.9984375,0.00002580243,0.001033415,0.00008238763,0.0002418814,0.0001790438],"domain_scores_gemma":[0.9978336,0.00006232597,0.001651977,0.000152819,0.0002889231,0.00001032067],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.000785285,0.0001942666,0.8819443,0.0001474072,0.000036209,0.00002035585,0.0003029186,0.01892011,0.00001677108,0.02690894,0.00957987,0.06114357],"study_design_scores_gemma":[0.000818363,0.00002039373,0.6145976,0.00002507566,0.0000603613,0.00000774506,0.0001874419,0.004386488,0.00001752629,0.0006149382,0.3791303,0.0001337727],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9955909,0.0001509572,0.00002301298,0.0005995776,0.0008985633,0.0001769457,0.00001165429,0.000004429591,0.002544001],"genre_scores_gemma":[0.9987878,0.00005933557,0.00006898912,0.0006339583,0.0004043624,0.000007324893,0.00001126802,0.000009311921,0.00001762969],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.3695505,"threshold_uncertainty_score":0.4268168,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01389682215299317,"score_gpt":0.1925104450648284,"score_spread":0.1786136229118352,"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."}}