{"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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001563795,0.0002104679,0.0003523811,0.0001617871,0.0001757943,0.0003569674,0.0002458943,0.0001220228,0.0005008695],"category_scores_gemma":[0.0003258882,0.0002068558,0.0001776521,0.0001146921,0.0001192911,0.0003553275,0.00008641321,0.001576869,0.0002094088],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0009766193,"about_ca_system_score_gemma":0.0002500048,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.003012582,"about_ca_topic_score_gemma":0.0001911891,"domain_scores_codex":[0.996416,0.00004400981,0.0006081162,0.0004235457,0.00006089848,0.00244747],"domain_scores_gemma":[0.9988636,0.0003232599,0.0002638562,0.0002294314,0.00001010145,0.0003097308],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.00001168262,0.00002041798,0.01813797,0.00001220865,0.0001342318,0.000009037136,0.00007568611,0.000003959522,0.000002773046,0.978314,0.001520008,0.001758042],"study_design_scores_gemma":[0.0002015896,0.0001525513,0.02005558,0.0000694463,0.00003193931,0.0001137136,0.0002221106,0.002004212,0.00001165395,0.934762,0.04210579,0.0002694086],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.7711519,0.1182086,0.01081867,0.01778493,0.001340231,0.0002707737,0.0006269855,0.0001634148,0.07963448],"genre_scores_gemma":[0.9869539,0.009419689,0.0001058493,0.0006016217,0.0008382626,0.00000748034,0.000003160111,0.00004150392,0.00202849],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.215802,"threshold_uncertainty_score":0.8435336,"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."}}