Bibliographic record
Abstract
Abstract Environmental insurance is being used with ever increasing frequency in real estate‐backed financial transactions. While the products have been available for some time, they are now reaching the point of being a commonly accepted risk management tool.[According to one carrier, in the United States alone, environmental insurance has become a $1.4bn market. See ‘Insuring Against Environmental Liability’, reprinted from Canadian Insurance, November 2002, at URL http://www.xlenvironmental.com/icf/insuring.htm .] Perhaps more importantly, some lenders and real estate owners are using the products in an increasingly creative manner in order to facilitate better deals. This paper will summarise briefly some of the insurance tools currently available, followed by a discussion of how the policies treat mold and terrorism risks. The balance of the paper will detail a number of innovative ways in which environmental insurance policies have been implemented to benefit borrowers and lenders, often providing one or both with a competitive advantage in the marketplace. Copyright © 2004 Henry Stewart Publications
Fetched live from OpenAlex and de-inverted. Abstracts are not stored in this database: the inverted indexes are 8.6 GB of the frame’s 9.3 GB of text, and the host has 13 GB free.
How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.006 | 0.009 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.005 | 0.002 |
| Scholarly communication | 0.006 | 0.005 |
| Open science | 0.001 | 0.006 |
| Research integrity | 0.004 | 0.003 |
| Insufficient payload (model declined to judge) | 0.060 | 0.005 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".