{"id":"W4366984823","doi":"10.1111/joca.12533","title":"Vulnerable consumer experiences of (dis)empowerment with consumer protection regulations","year":2023,"lang":"en","type":"article","venue":"Journal of Consumer Affairs","topic":"Housing, Finance, and Neoliberalism","field":"Economics, Econometrics and Finance","cited_by":3,"is_retracted":false,"has_abstract":true,"ca_institutions":"University of Manitoba; York University; Dalhousie University","funders":"Social Sciences and Humanities Research Council of Canada","keywords":"Consumer protection; Business; Loan; Empowerment; Government (linguistics); Affect (linguistics); Psychological intervention; Marketing; Ambivalence; Public policy; Economic growth; Economics; Finance; Commerce; Psychology","routes":{"ca_aff":true,"ca_fund":true,"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":[0.0008358132,0.0002064305,0.000647953,0.000613325,0.0002095599,0.00005927109,0.0002234282,0.0001152207,0.0004345611],"category_scores_gemma":[0.00005597552,0.0001868895,0.0001835135,0.0007226449,0.0003380641,0.0004585999,0.00003298522,0.0003066008,0.0001493647],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00007397868,"about_ca_system_score_gemma":0.0001354528,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0001074995,"about_ca_topic_score_gemma":0.00002540851,"domain_scores_codex":[0.9980085,0.00005362406,0.001166274,0.0002654475,0.0001631328,0.0003429783],"domain_scores_gemma":[0.9978898,0.00009365964,0.001371313,0.000296373,0.0002232203,0.0001256817],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"not_applicable","study_design_scores_codex":[0.003991129,0.003600296,0.3135498,0.001457994,0.006256704,0.0008561713,0.3006042,0.007505356,0.00935178,0.1710023,0.1431355,0.03868882],"study_design_scores_gemma":[0.007589019,0.001380825,0.03531805,0.0007425353,0.0002042388,0.0005723207,0.03679043,0.001910789,0.009637555,0.004195183,0.9000953,0.001563697],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9749731,0.003506443,0.001711387,0.0004240906,0.001050541,0.0003538386,0.00003709271,0.00004709397,0.01789643],"genre_scores_gemma":[0.9963717,0.0009643621,0.0007780357,0.00003533632,0.00007364277,0.00004025058,0.000003818856,0.00003221915,0.001700584],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.7569599,"threshold_uncertainty_score":0.7621133,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02889546736667318,"score_gpt":0.235950040055242,"score_spread":0.2070545726885688,"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."}}