{"id":"W4389614100","doi":"10.1086/724421","title":"Loans to Chapter 11 Firms: Contract Design, Repayment Risk, and Pricing","year":2023,"lang":"en","type":"article","venue":"The Journal of Law and Economics","topic":"Banking stability, regulation, efficiency","field":"Economics, Econometrics and Finance","cited_by":17,"is_retracted":false,"has_abstract":true,"ca_institutions":"Queen's University; University of British Columbia","funders":"","keywords":"Loan; Debtor; Bankruptcy; Default; Non-performing loan; Business; Non-conforming loan; Cross-collateralization; Debt; Possession (linguistics); Actuarial science; Collateral; Finance; Creditor","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":[0.002902272,0.000100116,0.0002855436,0.0001176653,0.0002011627,0.00007483721,0.0001393866,0.0000438444,0.00003576628],"category_scores_gemma":[0.00008441041,0.00008458918,0.00005148227,0.00006697231,0.00008056258,0.0001948308,0.00005770079,0.0001135854,0.00002940294],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00006042697,"about_ca_system_score_gemma":0.00001078645,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0002531424,"about_ca_topic_score_gemma":0.0001270179,"domain_scores_codex":[0.9989983,0.00002554205,0.0006232627,0.000149713,0.00001960047,0.0001835333],"domain_scores_gemma":[0.9989371,0.0002659646,0.0005018274,0.0001889091,0.00002665532,0.00007955434],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"observational","study_design_scores_codex":[0.000165465,0.00007513685,0.1317153,0.00003394253,0.0001388861,0.000004142979,0.009775265,0.02737785,0.00007814164,0.8248479,0.0002010576,0.0055869],"study_design_scores_gemma":[0.002139146,0.0008710446,0.5659848,0.00008508934,0.00009913307,0.0002055971,0.0005728991,0.0460008,0.0006456521,0.2968362,0.0858322,0.0007274618],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9904826,0.0008566176,0.005906114,0.001340393,0.0002292673,0.0001594065,0.00002004554,0.000009237875,0.0009962699],"genre_scores_gemma":[0.9972634,0.001766814,0.0004985635,0.0003117266,0.00008804994,0.000001299825,4.06276e-7,0.00001363717,0.00005614888],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.5280117,"threshold_uncertainty_score":0.3449447,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0355917012797197,"score_gpt":0.2291805518231126,"score_spread":0.1935888505433929,"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."}}