{"id":"W7095891952","doi":"","title":"Household Risk Management and Optimal Mortgage Choice,’’ Quarterly","year":2003,"lang":"en","type":"article","venue":"","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Risk management; Work (physics); Default risk; Quarter (Canadian coin); Risk assessment","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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.002268906,0.0002761042,0.0006733275,0.0003450176,0.0003461863,0.00162199,0.0004536283,0.001213183,0.0055183],"category_scores_gemma":[0.01127973,0.0003647787,0.00031003,0.0003778792,0.001339104,0.0017733,0.0006471469,0.0008851624,0.0004005908],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001612378,"about_ca_system_score_gemma":0.0008625219,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.004248478,"about_ca_topic_score_gemma":0.004980131,"domain_scores_codex":[0.9992878,0.0003962789,0.00003241317,0.00008055424,0.00006804198,0.0001349555],"domain_scores_gemma":[0.9976075,0.001267225,0.000539906,0.0001227579,0.0002231367,0.0002394861],"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":[0.0008664072,0.0006397094,0.1452322,0.0002494867,0.0004035232,0.0007655735,0.001037831,0.09910541,0.00134615,0.5824969,0.05195945,0.1158974],"study_design_scores_gemma":[0.0001580509,0.0002483655,0.1419741,0.00008618274,0.00008284738,0.0003036728,0.001163821,0.1522324,0.00058978,0.6899651,0.01314164,0.00005397736],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8927517,0.01185377,0.03358077,0.02422602,0.0003329637,0.00006587774,0.0008590504,0.00006683142,0.03626299],"genre_scores_gemma":[0.9958508,0.001083529,0.001184665,0.0001278344,0.00007430774,0.0000100644,0.0001023869,0.000005209585,0.001561132],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.0055183,"threshold_uncertainty_score":0.01846051,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0217336893843824,"score_gpt":0.1902645722073363,"score_spread":0.1685308828229539,"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."}}