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Record W2996205829

Financial literacy 101

2018· article· en· W2996205829 on OpenAlexaboutno aff
Ross Guest, Mark Brimble

Bibliographic record

VenuePolicy: a journal of public policy and ideas · 2018
Typearticle
Languageen
FieldBusiness, Management and Accounting
TopicFinancial Literacy, Pension, Retirement Analysis
Canadian institutionsnot available
Fundersnot available
KeywordsQuarter (Canadian coin)Financial literacyRecessionFinanceDebtBusinessProperty marketWarning signsHousehold debtPrivate sectorFace (sociological concept)EconomicsGeographyEconomic growthReal estate
DOInot available

Abstract

fetched live from OpenAlex

The Reserve Bank of Australia (RBA) sounded a warning in October last year about the high level of household debt in the face of a possible property downturn, the signs of which may be evident in the fall of 1.4% in the September 2017 quarter in Sydney house prices - the first decline in 17 months, and which has continued since then according to private sector data. Household liabilities in Australia were 150% of income in 2016 according to the Australian Bureau of Statistics4 which is one of the highest in the world. In early 2018 Australian property was rated 'severely unaffordable' with Sydney found to be the second least affordable market in the world after Hong Kong.

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 imitation

Not 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.

metaresearch head score (Codex)0.001
metaresearch head score (Gemma)0.011
Version: metacan-v3-hybrid-931329e0061cValidation status: machine_predicted_unvalidated
Candidate categoriesnone
Consensus categoriesnone
DomainCandidate signal: none · Consensus signal: none
Study designCandidate signal: Not applicable · Consensus signal: Not applicable
GenreCandidate signal: Commentary · Consensus signal: none
Teacher disagreement score0.141
Threshold uncertainty score0.473

Distilled classifier scores by category (both heads)

CategoryCodexGemma
Metaresearch0.0010.011
Meta-epidemiology (narrow)0.0000.000
Meta-epidemiology (broad)0.0000.000
Bibliometrics0.0010.001
Science and technology studies0.0020.001
Scholarly communication0.0040.002
Open science0.0000.002
Research integrity0.0010.002
Insufficient payload (model declined to judge)0.1410.028

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.

Opus teacher head0.020
GPT teacher head0.283
Teacher spread0.263 · how far apart the two teachers sit on this one work
Validation statusscore_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from it

Classification

machine, unvalidated

Machine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.

The models applied no category: nothing in the taxonomy fit this work.
Study designNot applicable
Domainnot available
GenreCommentary

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".

Quick stats

Citations0
Published2018
Admission routes1
Has abstractyes

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Same venuePolicy: a journal of public policy and ideasSame topicFinancial Literacy, Pension, Retirement AnalysisFrench-language works237,207