{"id":"W4402469220","doi":"10.1257/rct.14295","title":"Consumer Responseto Mortgage Payment Shocks: evidence from Canada","year":2024,"lang":"en","type":"dataset","venue":"AEA Randomized Controlled Trials","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":0,"is_retracted":false,"has_abstract":false,"ca_institutions":"","funders":"","keywords":"Payment; Mortgage underwriting; Business; Shared appreciation mortgage; Commercial mortgage-backed security; Mortgage insurance; Collateralized mortgage obligation; Economics; Financial system; Monetary economics; Finance","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.008886936,0.001319961,0.00264949,0.002463129,0.001214597,0.002299715,0.003845392,0.002030577,0.03646705],"category_scores_gemma":[0.05297328,0.0009622492,0.004061634,0.007651168,0.0008826114,0.0006476645,0.001619367,0.002246018,0.003627049],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.01564638,"about_ca_system_score_gemma":0.04288185,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.8611531,"about_ca_topic_score_gemma":0.9219643,"domain_scores_codex":[0.9915558,0.002714561,0.001528808,0.0009090548,0.002475084,0.0008166538],"domain_scores_gemma":[0.9595273,0.01138976,0.009357809,0.003727489,0.01382527,0.002172333],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"not_applicable","study_design_gemma":"observational","study_design_scores_codex":[0.009308781,0.0002018902,0.03118586,0.01204116,0.005937795,0.00008327956,0.0001387316,0.001287654,0.00008807633,0.001456557,0.9183374,0.01993292],"study_design_scores_gemma":[0.06463438,0.0004794757,0.462934,0.02225666,0.01801658,0.0002516335,0.0003941007,0.002722211,0.0005774884,0.003128651,0.4243111,0.000293798],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"dataset","genre_gemma":"dataset","genre_scores_codex":[0.005723671,0.005707256,0.0003259736,0.001010786,0.00009634688,0.0006121144,0.9839054,0.0001005047,0.002517904],"genre_scores_gemma":[0.09629079,0.01066337,0.003340262,0.002951373,0.000209689,0.006867788,0.8675483,0.0002033246,0.01192506],"genre_candidate":"dataset","genre_consensus":"dataset","teacher_disagreement_score":0.1388469,"threshold_uncertainty_score":0.2793292,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.04832301067264219,"score_gpt":0.2721686110028325,"score_spread":0.2238456003301903,"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."}}