Bibliographic record
Abstract
A widespread perception is that a bank is a custodian of depositors’ money and is under an obligation to guard it for them. From the legal perspective, this is, of course, untrue. It was settled way back in the 19th century that a bank is a debtor of and borrower from its depositor. In that capacity, the bank is authorized to use money on deposit for its own benefit and profit. At the same time, like a borrower liable on a simple monetary debt, a bank is responsible for the return to the depositor/lender of the entire amount borrowed. A bank is not released from liability for the loss of the money on deposit in circumstances that under the law of bailment would have released a custodian—for example, for lack of fault.
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 | 0.005 | 0.043 |
| Meta-epidemiology (narrow) | 0.001 | 0.000 |
| Meta-epidemiology (broad) | 0.001 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.004 | 0.008 |
| Scholarly communication | 0.015 | 0.018 |
| Open science | 0.001 | 0.005 |
| Research integrity | 0.007 | 0.008 |
| Insufficient payload (model declined to judge) | 0.031 | 0.010 |
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".