{"id":"W4404182413","doi":"10.2139/ssrn.4972364","title":"Political Alignment and Household Risk-Taking: Evidence from U.S. Mortgage Market","year":2024,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Fiscal Policies and Political Economy","field":"Economics, Econometrics and Finance","cited_by":0,"is_retracted":false,"has_abstract":false,"ca_institutions":"University of Alberta","funders":"","keywords":"Politics; Mortgage underwriting; Business; Mortgage insurance; Political 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":[0.001057176,0.0001751801,0.0002738036,0.0005635375,0.0005683898,0.001327973,0.0002347055,0.000635455,0.006991218],"category_scores_gemma":[0.006017778,0.0001899571,0.0002188923,0.001503015,0.0004355338,0.000861544,0.0007944817,0.0008244624,0.0009642154],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0003247107,"about_ca_system_score_gemma":0.0002970777,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.01397739,"about_ca_topic_score_gemma":0.02611146,"domain_scores_codex":[0.9995889,0.0001883909,0.00002751046,0.00005071285,0.00005644634,0.00008796019],"domain_scores_gemma":[0.9924089,0.001736571,0.004162753,0.0003433495,0.0004019225,0.0009465824],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0002850092,0.0002463045,0.9869536,0.0000155046,0.00008156359,0.00007148931,0.0007571634,0.0002715809,0.000144967,0.001419131,0.001803814,0.007949763],"study_design_scores_gemma":[0.0000101657,0.00004522236,0.997139,0.000007543315,0.0000172005,0.0000214309,0.0008685334,0.0003558008,0.00006173099,0.0005506737,0.0009186327,0.000003975635],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9953387,0.000330748,0.0001249311,0.000734052,0.000009829128,0.000005550806,0.0004620709,0.000005572031,0.00298849],"genre_scores_gemma":[0.9984115,0.0003102424,0.00004267894,0.00007089079,0.00002414357,0.000004184626,0.0005407959,0.000003120831,0.0005923029],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01397739,"threshold_uncertainty_score":0.0277921,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02986265466705427,"score_gpt":0.2381652009216522,"score_spread":0.208302546254598,"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."}}