{"id":"W6926577906","doi":"10.25318/36280001202300900001-eng","title":"Immigrant credit visibility: Access to credit over time in Canada","year":2023,"lang":"en","type":"article","venue":"DOAJ (DOAJ: Directory of Open Access Journals)","topic":"Infections and bacterial resistance","field":"Biochemistry, Genetics and Molecular Biology","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Credit history; Credit reference; Export credit agency; Credit enhancement; Credit crunch; Credit risk; Immigration; Credit card interest; Agency (philosophy)","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":"codex-gemma-dda1882f352a","candidate_categories":["metaepi_narrow","insufficient_payload"],"consensus_categories":[],"category_scores_codex":[0.000771224,0.0002623778,0.0004892297,0.0003943843,0.0001471691,0.000644851,0.001840049,0.0001161247,0.003801605],"category_scores_gemma":[0.0004211453,0.0002488062,0.000124511,0.001183148,0.00004844453,0.0001200279,0.001203022,0.0001963406,0.00002556368],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0002165676,"about_ca_system_score_gemma":0.0008851884,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.3734489,"about_ca_topic_score_gemma":0.4341276,"domain_scores_codex":[0.9977474,0.0001448909,0.0006498101,0.000540655,0.0004392383,0.0004780452],"domain_scores_gemma":[0.9985846,0.00007808722,0.0002898982,0.0005727478,0.0002283547,0.00024626],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"bench_or_experimental","study_design_gemma":"observational","study_design_scores_codex":[0.0002940959,0.00006579415,0.1997928,0.00003553202,0.00007106281,0.00004173986,0.00001516209,0.0002912424,0.6256683,0.000003887359,0.1711323,0.002588133],"study_design_scores_gemma":[0.0003579421,0.00001677816,0.8203009,0.0001177233,0.00001682365,0.00000422359,0.00001660843,0.00004146403,0.10835,0.0002031819,0.07025159,0.0003227642],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9958782,0.0009192515,0.00004943464,0.0002178587,0.0009500005,0.0004261092,0.0002010233,0.0000136922,0.001344452],"genre_scores_gemma":[0.9961782,0.001760998,0.00002782021,0.0004832698,0.0004636598,0.00005952263,0.00008242506,0.00004222132,0.0009018888],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.6205081,"threshold_uncertainty_score":0.9999964,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.09134997127307506,"score_gpt":0.4825812353267994,"score_spread":0.3912312640537243,"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."}}