Homeownership and America’s Financial Underclass: Flawed Premises, Broken Promises, New Prescriptions, by Mechele Dickerson
Bibliographic record
Abstract
HOMEOWNERSHIP HAS TRADITIONALLY BEEN a major goal for Americans seeking financial prosperity and success. It is considered to be the lynchpin of the lifelong pursuit of the “American Dream.” People grow up with cliché visions of having a young, happy family living in a home with a recently paid off mortgage and a white picket fence. Fully paying off a mortgage can be one of the happiest and most rewarding moments of one’s life. However, Mechele Dickerson emphasizes that perhaps the pursuit of homeownership is not always sound advice for a large portion of the population.
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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) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.004 | 0.009 |
| Scholarly communication | 0.005 | 0.007 |
| Open science | 0.001 | 0.002 |
| Research integrity | 0.003 | 0.008 |
| Insufficient payload (model declined to judge) | 0.003 | 0.001 |
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".