{"id":"W4401507576","doi":"10.2139/ssrn.4505602","title":"Dual Credit Markets: Income Risk, Household Debt, and Consumption","year":2023,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Housing, Finance, and Neoliberalism","field":"Economics, Econometrics and Finance","cited_by":1,"is_retracted":false,"has_abstract":false,"ca_institutions":"Kellogg's (Canada)","funders":"","keywords":"Consumption (sociology); Dual (grammatical number); Household debt; Debt; Credit risk; Economics; Business; Monetary economics; Financial system; Actuarial science; Finance","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":[0.001432481,0.0002961253,0.0006898308,0.0008226461,0.0004120735,0.002893063,0.0005659889,0.001482317,0.009764727],"category_scores_gemma":[0.008537426,0.0002505023,0.0003583634,0.001352114,0.001369081,0.002717478,0.001359646,0.001935517,0.0004475827],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0009907882,"about_ca_system_score_gemma":0.0005368809,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.005014298,"about_ca_topic_score_gemma":0.007327886,"domain_scores_codex":[0.9996771,0.0001442817,0.00002012315,0.00004935741,0.00003726126,0.00007192537],"domain_scores_gemma":[0.990949,0.004271898,0.002835216,0.000275367,0.0003246117,0.001343896],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.001132634,0.0008143058,0.8267151,0.0001315922,0.0003383786,0.000949492,0.000741359,0.01118242,0.0004477878,0.1166406,0.006011085,0.03489523],"study_design_scores_gemma":[0.000223612,0.0004440298,0.5145787,0.0002589043,0.0002876678,0.0009702323,0.003442434,0.08384777,0.0005719258,0.3884978,0.006789598,0.00008741264],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9764282,0.005065328,0.003297556,0.00801191,0.00005995461,0.00001697694,0.0006956608,0.00001862139,0.006405786],"genre_scores_gemma":[0.9971355,0.0006249424,0.0001090506,0.00007448716,0.00006997328,0.000004393889,0.0001246124,0.000002298374,0.001854638],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.009764727,"threshold_uncertainty_score":0.03266627,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02198712312630463,"score_gpt":0.2175466261523978,"score_spread":0.1955595030260932,"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."}}