Bibliographic record
Abstract
Back when it seemed like everybody and his brother was trying to slide an application for a unitary thrift charter under the door at the Office of Thrift Supervision, before Congress closed the loophole, a quiet application was made in July 1998 for a unitary thrift to be owned by multiple insurance companies. The group was operating under the auspices of a trade association, and after an early splash of ink, the application faded off the radar screen. Guess who's back now? Target: rural communities On June 12 Assurance Partners Bank, an OTS-chartered federal thrift, opened its doors, having received regulatory approval back in February. Opened its doors is literal, also figurative, for Assurance Partners Bank is far from an ordinary depository institution. It will be offering selected loan products and services, the roster eventually to include residential first mortgages, home equity loans, car loans, personal loans, credit cards, and student loans, as well as deposit accounts. Who is the new institution after? press statement makes it clear: Marketing research done by the has identified hundreds of thousands of policyholders that will have the opportunity to become customers of Assurance Partners Bank. Significantly, the majority of these prospective customers live in small towns and rural areas where there are fewer financial service providers than in larger cities. The strategy may cause a few boardroom tremors to be felt in time. In many community a local insurance agent sits on the bank's board. Once that agent is representing an insurance company that also offers the opportunity to provide policyholders with banking products, a potential conflict of interest will exist. matter of structure Assurance Partners is a bank with a difference--several, in fact. First off, Assurance Partners Bank (technically, its holding company) is owned by the National Association of Mutual Insurance Companies and a consortium of 262 NAMIC member insurance companies from 35 states and two Canadian provinces. (NAMIC member firms number about 1,200 and are property/casualty insurers, representing more than a third of the p/c business premiums written in the U.S. annually.) This ownership structure makes Assurance Partners unique, according to David T. Fronek, president and CEO, who joined the institution after a 34-year career with large most recently with First Chicago NBD Corp., Troy, Mich. A number of insurance companies own banks, says Fronek, but we are the first to be owned by an insurance association. …
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 | 0.002 | 0.006 |
| Meta-epidemiology (narrow) | 0.001 | 0.001 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.000 |
| Science and technology studies | 0.008 | 0.002 |
| Scholarly communication | 0.016 | 0.008 |
| Open science | 0.001 | 0.005 |
| Research integrity | 0.006 | 0.006 |
| Insufficient payload (model declined to judge) | 0.216 | 0.125 |
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".