{"id":"W4316664171","doi":"10.3390/jrfm16010053","title":"Is More Financial Literacy Always Beneficial? An Investigation through a Mediator","year":2023,"lang":"en","type":"article","venue":"Journal of risk and financial management","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":5,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"Colby College","keywords":"Financial literacy; Preference; Mediation; Psychology; Literacy; Finance; Business; Economics; Political science; Pedagogy; Microeconomics","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":true,"about_ca":false,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":["metaepi_narrow"],"consensus_categories":[],"category_scores_codex":[0.001130389,0.0003584076,0.0005654478,0.001007071,0.0005141763,0.000414181,0.0004131256,0.0001493965,0.0001083143],"category_scores_gemma":[0.000376816,0.0003239601,0.0002756594,0.002061948,0.0001071665,0.003033205,0.0003043319,0.0003307414,0.0001441758],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00005498487,"about_ca_system_score_gemma":0.00005885528,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0003288326,"about_ca_topic_score_gemma":0.0000947829,"domain_scores_codex":[0.9971941,0.0000363897,0.001020235,0.0004353897,0.0008420197,0.0004719189],"domain_scores_gemma":[0.9979602,0.00005578658,0.001091298,0.0003269056,0.0005061521,0.00005965868],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0004452239,0.0002708161,0.7916613,0.0005561518,0.0000423042,0.000448424,0.006047048,0.0002591349,0.0000891858,0.05318788,0.04676084,0.1002317],"study_design_scores_gemma":[0.001263405,0.00009072277,0.7244602,0.0002302755,0.0005037893,0.000004298122,0.0004469118,0.002118426,0.00004216006,0.04565543,0.2247154,0.0004689538],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9967945,0.0003386053,0.0006400764,0.000505815,0.001034766,0.0002904443,0.0000212967,0.00008752689,0.0002869316],"genre_scores_gemma":[0.9873815,0.001827494,0.002247143,0.003658673,0.004558236,0.00001801768,0.00008016626,0.00005295955,0.0001758406],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.1779546,"threshold_uncertainty_score":0.9999213,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01466492965489525,"score_gpt":0.24560553117531,"score_spread":0.2309406015204148,"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."}}