{"id":"W4299834633","doi":"10.21034/wp.617","title":"Consumer Bankruptcy: A Fresh Start","year":2003,"lang":"de","type":"preprint","venue":"","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":104,"is_retracted":false,"has_abstract":true,"ca_institutions":"Simon Fraser University; Western University","funders":"","keywords":"Bankruptcy; Fresh Start; Debt; Asset (computer security); Consumer debt; Liability; Business; Economics; Life insurance; Monetary economics; Actuarial science; Finance; Macroeconomics","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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.000917782,0.0002797694,0.0004976428,0.0005619949,0.0005945111,0.002646091,0.000476656,0.001814144,0.007437847],"category_scores_gemma":[0.005627653,0.0002374919,0.0004174668,0.0004590175,0.00135472,0.002298859,0.0005898007,0.001508746,0.0005103803],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001398203,"about_ca_system_score_gemma":0.001021048,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.009831192,"about_ca_topic_score_gemma":0.008577384,"domain_scores_codex":[0.9995924,0.00008566207,0.00001757066,0.00008481956,0.0001185635,0.000101027],"domain_scores_gemma":[0.9971592,0.001074723,0.001036388,0.0001946312,0.0002435088,0.000291413],"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":[0.001158735,0.0005745013,0.1001294,0.0002680235,0.0001929163,0.001598626,0.001050951,0.09337159,0.001728402,0.6444765,0.0731454,0.08230489],"study_design_scores_gemma":[0.0003391283,0.00078605,0.1846495,0.0003875202,0.000382339,0.001776243,0.001910023,0.2996112,0.003497431,0.4553834,0.05107747,0.0001996462],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9107673,0.00249006,0.01476111,0.006777383,0.0001273017,0.00009153892,0.001220688,0.0002414562,0.06352304],"genre_scores_gemma":[0.9940284,0.0004442401,0.0005328173,0.0002356971,0.00003277563,0.00001015086,0.000231786,0.00001214149,0.004472018],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.009831192,"threshold_uncertainty_score":0.02488208,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02182807305352924,"score_gpt":0.2342711942240091,"score_spread":0.2124431211704799,"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."}}