{"id":"W4416287386","doi":"10.2139/ssrn.5736742","title":"The Consequences of Credit Insurance for Monitoring, Effort, and Welfare","year":2025,"lang":"en","type":"preprint","venue":"SSRN Electronic Journal","topic":"Corporate Insolvency and Governance","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":false,"ca_institutions":"University of Alberta","funders":"","keywords":"Creditor; Incentive; Credit history; Credit risk; Credit reference; Welfare; Credit default swap index; Key person insurance","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":[0.008064303,0.0004199695,0.001040218,0.001250779,0.001409973,0.00543461,0.0008559626,0.004626171,0.007991313],"category_scores_gemma":[0.05103394,0.0004468219,0.0006879636,0.001320387,0.005171177,0.004726514,0.002434126,0.003803795,0.0003082499],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.002879898,"about_ca_system_score_gemma":0.00170388,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.004974433,"about_ca_topic_score_gemma":0.004549892,"domain_scores_codex":[0.9966002,0.001541157,0.0001852796,0.0004561516,0.0004416285,0.0007756279],"domain_scores_gemma":[0.9458609,0.03835427,0.008973362,0.002975031,0.001684478,0.002151993],"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":[0.001201163,0.0004046526,0.09892569,0.0001305968,0.0002040452,0.0009059285,0.0009766581,0.02818815,0.001316606,0.8180571,0.007428369,0.04226112],"study_design_scores_gemma":[0.0001552826,0.0001965519,0.06182897,0.00007590197,0.0001294172,0.0002224359,0.0007791608,0.0314584,0.0004854179,0.9024826,0.002138669,0.00004722704],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8556592,0.004058525,0.02237996,0.03572987,0.0002387016,0.0000827254,0.0009228202,0.0001216582,0.08080658],"genre_scores_gemma":[0.9964386,0.0005315841,0.0004038779,0.0003475687,0.0001360487,0.00001519786,0.00004425343,0.00001003851,0.002072798],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.008064303,"threshold_uncertainty_score":0.04264861,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01369228081203025,"score_gpt":0.2421880028508011,"score_spread":0.2284957220387709,"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."}}