Your Job Is Your Credit: Creating a Market for Loans to Salaried Employees in New York City, 1885–1920
Why this work is in the frame
A frame that forgets how it found something cannot be audited. These are the routes that admitted this work.
Bibliographic record
Abstract
In the first decade of the twentieth century, a market in the personal debt of corporate and government employees was thriving in New York City and other major urban centers in the Northeastern andMidwestern United States. A set of shadowy entrepreneurs, colloquially known as “loan sharks,” offered short-term, high-rate advances that they called salary loans. Despite operating in violation of the law, primarily the prohibition against usury, the operations of these intermediaries had by 1912 reached an imposing scale. At least eighty-one such offices operated in Manhattan and Brooklyn alone, with millions of dollars in loans outstanding. Of these eighty-one offices, thirty-four belonged to interstate chains, the largest ofwhich stretched over sixtythree cities in the United States and Canada.
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.
Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.000 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.001 | 0.001 |
| Bibliometrics | 0.000 | 0.000 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.000 | 0.000 |
| Open science | 0.000 | 0.000 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.000 | 0.000 |
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 it