{"id":"W6909019980","doi":"10.34989/san-2024-14","title":"Impacts of interest rate hikes on the consumption of households with a mortgage","year":2024,"lang":"en","type":"article","venue":"Bank of Canada Research","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"Bank of Canada","funders":"","keywords":"Consumption (sociology); Interest rate; Affect (linguistics); Monetary policy; Mortgage insurance; Consumer spending; Mortgage underwriting","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":[0.002131851,0.00007631175,0.0002518512,0.0002137383,0.00004733425,0.00003359877,0.0002262053,0.00004149648,0.0002763084],"category_scores_gemma":[0.0002110354,0.00005978685,0.00004185011,0.0002438826,0.0001969503,0.00006909377,0.00004509375,0.0002104653,0.000008768139],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0001733389,"about_ca_system_score_gemma":0.000488086,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.1527617,"about_ca_topic_score_gemma":0.3175842,"domain_scores_codex":[0.999074,0.00005072454,0.0003844442,0.0001761613,0.00006963547,0.000245025],"domain_scores_gemma":[0.9989158,0.0005320531,0.0001256925,0.0003083276,0.00006208075,0.00005606468],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"observational","study_design_scores_codex":[0.0008223068,0.0001802525,0.1132994,0.001982581,0.0004774577,0.00005937748,0.001198796,0.0005987896,0.00200589,0.8167754,0.05762825,0.004971439],"study_design_scores_gemma":[0.004242607,0.004415307,0.5741656,0.004784768,0.00007742151,0.00004031105,0.002686559,0.03918016,0.1284762,0.08192849,0.1580421,0.001960381],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9749977,0.0004632573,0.00001813451,0.0009585817,0.0001076559,0.0001487655,0.0001431199,0.000005459241,0.02315733],"genre_scores_gemma":[0.9992609,0.0003503177,0.00001835898,0.00002282522,0.00002315227,0.000006676731,0.000002920337,0.00001901947,0.0002957994],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.7348469,"threshold_uncertainty_score":0.8528801,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.1735473127219251,"score_gpt":0.2949984753110245,"score_spread":0.1214511625890995,"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."}}