%PDF-1.4
%
1 0 obj
<<
/Lang (EN)
/Metadata 2 0 R
/Names 3 0 R
/OpenAction 4 0 R
/Outlines 5 0 R
/OutputIntents [6 0 R 7 0 R]
/PageLabels 8 0 R
/PageLayout /SinglePage
/PageMode /UseOutlines
/Pages 9 0 R
/Type /Catalog
>>
endobj
10 0 obj
<<
/Author (Alper Kara)
/CreationDate (D:20160408155313+08'00')
/Creator (Arbortext Advanced Print Publisher 9.1.440/W Unicode)
/CrossMarkDomains#5B1#5D (springer.com)
/CrossMarkDomains#5B2#5D (springerlink.com)
/CrossmarkDomainExclusive (true)
/CrossmarkMajorVersionDate (2016-04-08)
/Keywords (Mortgage,Racial origin,Propensity score matching,D14,J15,G21)
/ModDate (D:20160506161209+01'00')
/Producer (Acrobat Distiller 9.0.0 \(Windows\))
/Subject (J Financ Serv Res, doi:10.1007/s10693-016-0246-1)
/Title (Household Access to Mortgages in the UK)
/doi (10.1007/s10693-016-0246-1)
>>
endobj
2 0 obj
<<
/Length 27642
/Subtype /XML
/Type /Metadata
>>
stream
10.1007/s10693-016-0246-1
2016-04-08
true
springer.com
springerlink.com
VoR
Mortgage,Racial origin,Propensity score matching,D14,J15,G21
Acrobat Distiller 9.0.0 (Windows)
2016-04-08
true
10.1007/s10693-016-0246-1
springer.com
springerlink.com
http://dx.doi.org/10.1007/s10693-016-0246-1
10.1007/s10693-016-0246-1
0920-8550
journal
Journal of Financial Services Research
The Author(s)
application/pdf
10.1007/s10693-016-0246-1
Journal of Financial Services Research
J Financ Serv Res, doi:10.1007/s10693-016-0246-1
Mortgage
Racial origin
Propensity score matching
D14
J15
G21
Household Access to Mortgages in the UK
Alper Kara
Philip Molyneux
2016-04-08T15:53:13+08:00
2016-05-06T16:12:09+01:00
Arbortext Advanced Print Publisher 9.1.440/W Unicode
2016-05-06T16:12:09+01:00
uuid:4f838c7f-b7dc-452b-a375-06260744f5fb
uuid:a09eb8e1-f8b2-47ba-877b-06be2f326608
default
1
converted
uuid:fabf95ce-f88e-46c0-9d19-2c42b786e15d
converted to PDF/A-2b
pdfToolbox
2016-04-08T16:03:48+08:00
2
B
http://ns.adobe.com/pdf/1.3/
pdf
Adobe PDF Schema
internal
A name object indicating whether the document has been modified to include trapping information
Trapped
Text
http://ns.adobe.com/xap/1.0/mm/
xmpMM
XMP Media Management Schema
internal
UUID based identifier for specific incarnation of a document
InstanceID
URI
internal
The common identifier for all versions and renditions of a document.
DocumentID
URI
internal
The common identifier for all versions and renditions of a document.
OriginalDocumentID
URI
http://www.aiim.org/pdfa/ns/id/
pdfaid
PDF/A ID Schema
internal
Part of PDF/A standard
part
Integer
internal
Amendment of PDF/A standard
amd
Text
internal
Conformance level of PDF/A standard
conformance
Text
Springer ORCiD Schema
http://springer.com/ns/xmpExtensions/1.0/
springer
authorInfo
AuthorInformation
external
Author information: contains the name of each author and his/her ORCiD (ORCiD: Open Researcher and Contributor ID). An ORCiD is a persistent identifier (a non-proprietary alphanumeric code) to uniquely identify scientific and other academic authors.
AuthorInformation
http://springer.com/ns/xmpExtensions/1.0/authorinfo/
author
Specifies the types of author information: name and ORCID of an author.
name
Text
Gives the name of an author.
orcid
URI
Gives the ORCID of an author.
http://ns.adobe.com/pdfx/1.3/
pdfx
PDF/X ID Schema
internal
ID of PDF/X standard
GTS_PDFXVersion
Text
internal
Conformance level of PDF/X standard
GTS_PDFXConformance
Text
internal
Company creating the PDF
Company
Text
internal
Date when document was last modified
SourceModified
Text
external
Mirrors crossmark:CrosMarkDomains
CrossMarkDomains
Seq Text
external
Mirrors crossmark:CrossmarkDomainExclusive
CrossmarkDomainExclusive
Text
external
Mirrors crossmark:MajorVersionDate
CrossmarkMajorVersionDate
Text
internal
Mirrors crossmark:DOI
doi
Text
http://crossref.org/crossmark/1.0/
crossmark
crossmark
internal
CrossMarkDomains
CrossMarkDomains
Seq Text
internal
CrossmarkDomainExclusive
CrossmarkDomainExclusive
Text
internal
Usual same as prism:doi
DOI
Text
external
The date when a publication was published.
MajorVersionDate
Text
http://prismstandard.org/namespaces/basic/2.0/
prism
Prism
external
The aggregation type specifies the unit of aggregation for a content collection.
Comment
PRISM recommends that the PRISM Aggregation Type Controlled Vocabulary be used to provide values for this element.
Note: PRISM recommends against the use of the #other value currently allowed in this controlled vocabulary. In lieu of using #other please reach out to the PRISM group at info@prismstandard.org to request addition of your term to the Aggregation Type Controlled Vocabulary.
aggregationType
Text
external
Copyrigh
copyright
Text
external
The Digital Object Identifier for the article.
The DOI may also be used as the dc:identifier. If used as a dc:identifier, the URI form should be captured, and the bare identifier should also be captured using prism:doi. If an alternate unique identifier is used as the required dc:identifier, then the DOI should be specified as a bare identifier within prism:doi only.
If the URL associated with a DOI is to be specified, then prism:url may be used in conjunction with prism:doi in order to provide the service endpoint (i.e. the URL).
doi
Text
external
ISSN for an electronic version of the issue in which the resource occurs.
Permits publishers to include a second ISSN, identifying an electronic version of the issue in which the resource occurs (therefore e(lectronic)Issn. If used, prism:eIssn MUST contain the ISSN of the electronic version. See prism:issn.
issn
Text
external
Title of the magazine, or other publication, in which a resource was/will be published.
Typically this will be used to provide the name of the magazine an article appeared in as metadata for the article, along with information such as the article title, the publisher, volume, number, and cover date.
Note: Publication name can be used to differentiate between a print magazine and the online version if the names are different such as “magazine” and “magazine.com.”
publicationName
Text
external
This element provides the url for an article or unit of content.
The attribute platform is optionally allowed for situations in which multiple URLs must be specified. PRISM recommends that a subset of the PCV platform values, namely “mobile” and “web”, be used in conjunction with this element.
NOTE: PRISM recommends against the use of the #other value allowed in the PRISM Platform controlled vocabulary. In lieu of using #other please reach out to the PRISM group at prism-wg@yahoogroups.com to request addition of your term to the Platform Controlled Vocabulary.
url
Text
http://www.niso.org/schemas/jav/1.0/
jav
NISO
external
Values for Journal Article Version are one of the following:
AO = Author’s Original
SMUR = Submitted Manuscript Under Review
AM = Accepted Manuscript
P = Proof
VoR = Version of Record
CVoR = Corrected Version of Record
EVoR = Enhanced Version of Record
journal_article_version
Closed Choice of Text
endstream
endobj
3 0 obj
<<
/Dests 11 0 R
>>
endobj
4 0 obj
<<
/D [12 0 R /Fit]
/S /GoTo
>>
endobj
5 0 obj
<<
/Count 14
/First 13 0 R
/Last 13 0 R
/Type /Outlines
>>
endobj
6 0 obj
<<
/DestOutputProfile 14 0 R
/Info (sRGB IEC61966-2.1)
/OutputCondition (sRGB)
/OutputConditionIdentifier (Custom)
/RegistryName ()
/S /GTS_PDFA1
/Type /OutputIntent
>>
endobj
7 0 obj
<<
/DestOutputProfile 14 0 R
/Info (sRGB IEC61966-2.1)
/OutputCondition (sRGB)
/OutputConditionIdentifier (Custom)
/RegistryName ()
/S /ISO_PDFE1
/Type /OutputIntent
>>
endobj
8 0 obj
<<
/Nums [0 15 0 R]
>>
endobj
9 0 obj
<<
/Count 24
/ITXT (5.1.0)
/Kids [16 0 R 17 0 R 18 0 R]
/Type /Pages
>>
endobj
11 0 obj
<<
/Kids [19 0 R 20 0 R 21 0 R]
>>
endobj
12 0 obj
<<
/Annots [22 0 R 23 0 R 24 0 R 25 0 R]
/Contents [26 0 R 27 0 R 28 0 R 29 0 R 30 0 R 31 0 R 32 0 R 33 0 R]
/CropBox [0.0 0.0 439.37 666.142]
/MediaBox [0.0 0.0 439.37 666.142]
/Parent 16 0 R
/Resources <<
/ColorSpace <<
/CS0 [/ICCBased 34 0 R]
>>
/ExtGState <<
/GS0 35 0 R
>>
/Font <<
/T1_0 36 0 R
/T1_1 37 0 R
/T1_2 38 0 R
/T1_3 39 0 R
/T1_4 40 0 R
/T1_5 41 0 R
>>
/ProcSet [/PDF /Text /ImageB /ImageC /ImageI]
/Properties <<
/MC0 42 0 R
/MC1 43 0 R
/MC2 44 0 R
>>
/Shading <<
/Sh0 45 0 R
/Sh1 46 0 R
/Sh10 47 0 R
/Sh100 48 0 R
/Sh101 49 0 R
/Sh102 50 0 R
/Sh103 51 0 R
/Sh104 52 0 R
/Sh105 53 0 R
/Sh106 54 0 R
/Sh107 55 0 R
/Sh108 56 0 R
/Sh109 57 0 R
/Sh11 58 0 R
/Sh110 59 0 R
/Sh111 60 0 R
/Sh112 61 0 R
/Sh113 62 0 R
/Sh114 63 0 R
/Sh115 64 0 R
/Sh12 65 0 R
/Sh13 66 0 R
/Sh14 67 0 R
/Sh15 68 0 R
/Sh16 69 0 R
/Sh17 70 0 R
/Sh18 71 0 R
/Sh19 72 0 R
/Sh2 73 0 R
/Sh20 74 0 R
/Sh21 75 0 R
/Sh22 76 0 R
/Sh23 77 0 R
/Sh24 78 0 R
/Sh25 79 0 R
/Sh26 80 0 R
/Sh27 81 0 R
/Sh28 82 0 R
/Sh29 83 0 R
/Sh3 84 0 R
/Sh30 85 0 R
/Sh31 86 0 R
/Sh32 87 0 R
/Sh33 88 0 R
/Sh34 89 0 R
/Sh35 90 0 R
/Sh36 91 0 R
/Sh37 92 0 R
/Sh38 93 0 R
/Sh39 94 0 R
/Sh4 95 0 R
/Sh40 96 0 R
/Sh41 97 0 R
/Sh42 98 0 R
/Sh43 99 0 R
/Sh44 100 0 R
/Sh45 101 0 R
/Sh46 102 0 R
/Sh47 103 0 R
/Sh48 104 0 R
/Sh49 105 0 R
/Sh5 106 0 R
/Sh50 107 0 R
/Sh51 108 0 R
/Sh52 109 0 R
/Sh53 110 0 R
/Sh54 111 0 R
/Sh55 112 0 R
/Sh56 113 0 R
/Sh57 114 0 R
/Sh58 115 0 R
/Sh59 116 0 R
/Sh6 117 0 R
/Sh60 118 0 R
/Sh61 119 0 R
/Sh62 120 0 R
/Sh63 121 0 R
/Sh64 122 0 R
/Sh65 123 0 R
/Sh66 124 0 R
/Sh67 125 0 R
/Sh68 126 0 R
/Sh69 127 0 R
/Sh7 128 0 R
/Sh70 129 0 R
/Sh71 130 0 R
/Sh72 131 0 R
/Sh73 132 0 R
/Sh74 133 0 R
/Sh75 134 0 R
/Sh76 135 0 R
/Sh77 136 0 R
/Sh78 137 0 R
/Sh79 138 0 R
/Sh8 139 0 R
/Sh80 140 0 R
/Sh81 141 0 R
/Sh82 142 0 R
/Sh83 143 0 R
/Sh84 144 0 R
/Sh85 145 0 R
/Sh86 146 0 R
/Sh87 147 0 R
/Sh88 148 0 R
/Sh89 149 0 R
/Sh9 150 0 R
/Sh90 151 0 R
/Sh91 152 0 R
/Sh92 153 0 R
/Sh93 154 0 R
/Sh94 155 0 R
/Sh95 156 0 R
/Sh96 157 0 R
/Sh97 158 0 R
/Sh98 159 0 R
/Sh99 160 0 R
>>
/XObject <<
/Im0 161 0 R
/Im1 162 0 R
/Im10 163 0 R
/Im11 164 0 R
/Im12 165 0 R
/Im13 166 0 R
/Im14 167 0 R
/Im15 168 0 R
/Im16 169 0 R
/Im17 170 0 R
/Im18 171 0 R
/Im19 172 0 R
/Im2 173 0 R
/Im20 174 0 R
/Im21 175 0 R
/Im22 176 0 R
/Im23 177 0 R
/Im3 178 0 R
/Im4 179 0 R
/Im5 180 0 R
/Im6 181 0 R
/Im7 182 0 R
/Im8 183 0 R
/Im9 184 0 R
>>
>>
/Rotate 0
/Thumb 185 0 R
/Type /Page
>>
endobj
13 0 obj
<<
/C [0.0 0.0 0.0]
/Count 13
/Dest
/F 0
/First 186 0 R
/Last 187 0 R
/Parent 5 0 R
/Title
>>
endobj
14 0 obj
<<
/Length 2574
/Filter /FlateDecode
/N 3
/Range [0.0 1.0 0.0 1.0 0.0 1.0]
>>
stream
HyTSwoɞc
[5laQIBHADED2mtFOE.c}088GNg9w߽ '0 ֠Jb
2y.-;!KZ ^i"L0-
@8(r;q7Ly&Qq4j|9
V)gB0iW8#8wթ8_٥ʨQQj@&A)/g>'K t;\
ӥ$պFZUn(4T%)뫔0C&Zi8bxEB;Pӓ̹Aom?W=
x- [ 0}y)7ta>jT7@tܛ`q2ʀ&6ZLĄ?_yxg)˔zçLU*uSkSeO4?c. R
߁-25 S>ӣVd`rn~Y&+`;A4 A9 =-tl`;~p Gp| [`L`< "AYA+Cb(R, *T2B-
ꇆnQt}MA0alSx k&^>0|>_',G!"F$H:R!zFQd?r9\A&GrQhE]a4zBgE#H *B=0HIpp0MxJ$D1D, VĭKĻYdE"EI2EBGt4MzNr!YK ?%_(0J:EAiQ(()ӔWT6U@P+!~mDeԴ!hӦh/']B/ҏӿ?a0nhF!X8܌kc&5S6lIa2cKMA!E#ƒdV(kel
}}Cq9
N')].uJr
wG xR^[oƜchg`>b$*~ :Eb~,m,-ݖ,Y¬*6X[ݱF=3뭷Y~dó tizf6~`{v.Ng#{}}jc1X6fm;'_9 r:8q:˜O:ϸ8uJqnv=MmR 4
n3ܣkGݯz=[==<=GTB(/S,]6*-W:#7*e^YDY}UjAyT`#D="b{ų+ʯ:!kJ4Gmt}uC%K7YVfFY.=b?SƕƩȺy
چk5%4m7lqlioZlG+Zzmzy]?uuw|"űNwW&e֥ﺱ*|j5kyݭǯg^ykEklD_p߶7Dmo꿻1ml{Mś
nLl<9O [$h՛BdҞ@iءG&vVǥ8nRĩ7u\ЭD- u`ֲK³8%yhYѹJº;.!
zpg_XQKFAǿ=ȼ:ɹ8ʷ6˶5̵5͵6ζ7ϸ9к<Ѿ?DINU\dlvۀ܊ݖޢ)߯6DScs
2F[p(@Xr4Pm8Ww)Km
endstream
endobj
15 0 obj
<<
/S /D
>>
endobj
16 0 obj
<<
/Count 11
/Kids [188 0 R 12 0 R 189 0 R 190 0 R 191 0 R 192 0 R 193 0 R 194 0 R 195 0 R 196 0 R
197 0 R]
/Parent 9 0 R
/Type /Pages
>>
endobj
17 0 obj
<<
/Count 10
/Kids [198 0 R 199 0 R 200 0 R 201 0 R 202 0 R 203 0 R 204 0 R 205 0 R 206 0 R 207 0 R]
/Parent 9 0 R
/Type /Pages
>>
endobj
18 0 obj
<<
/Count 3
/Kids [208 0 R 209 0 R 210 0 R]
/Parent 9 0 R
/Type /Pages
>>
endobj
19 0 obj
<<
/Limits [ ]
/Names [ 211 0 R 212 0 R 213 0 R 214 0 R 215 0 R
216 0 R 217 0 R 218 0 R 219 0 R 220 0 R
221 0 R 222 0 R 223 0 R 224 0 R 225 0 R
226 0 R 227 0 R 228 0 R 229 0 R 230 0 R
231 0 R 232 0 R 233 0 R 234 0 R 235 0 R
236 0 R 237 0 R 238 0 R 239 0 R 240 0 R
241 0 R 242 0 R 243 0 R 244 0 R 245 0 R
246 0 R 247 0 R 248 0 R 249 0 R 250 0 R
251 0 R 252 0 R 253 0 R 254 0 R 255 0 R
256 0 R 257 0 R 258 0 R 259 0 R 260 0 R
261 0 R 262 0 R 263 0 R 264 0 R 265 0 R
266 0 R 267 0 R 268 0 R 269 0 R 270 0 R
271 0 R 272 0 R 273 0 R 274 0 R]
>>
endobj
20 0 obj
<<
/Limits [ ]
/Names [ 275 0 R 276 0 R 277 0 R 278 0 R 279 0 R
280 0 R 281 0 R 282 0 R 283 0 R 284 0 R
285 0 R 286 0 R 287 0 R 288 0 R 289 0 R
290 0 R 291 0 R 292 0 R 293 0 R 294 0 R
295 0 R 296 0 R 297 0 R 298 0 R 299 0 R
300 0 R 301 0 R 302 0 R 303 0 R 304 0 R
305 0 R 306 0 R 307 0 R 308 0 R 309 0 R
310 0 R 311 0 R 312 0 R 313 0 R 314 0 R
315 0 R 316 0 R 317 0 R 318 0 R 319 0 R
320 0 R 321 0 R 322 0 R 323 0 R 324 0 R
325 0 R 326 0 R 327 0 R 306 0 R 312 0 R
307 0 R 310 0 R 313 0 R 314 0 R 315 0 R
319 0 R 320 0 R 311 0 R 316 0 R]
>>
endobj
21 0 obj
<<
/Limits [ ]
/Names [ 317 0 R 318 0 R 328 0 R]
>>
endobj
22 0 obj
<<
/AP <<
/N 329 0 R
>>
/Border [0 0 0]
/Dest
/F 4
/Rect [142.753 254.268 161.461 263.735]
/Subtype /Link
/Type /Annot
>>
endobj
23 0 obj
<<
/AP <<
/N 330 0 R
>>
/Border [0 0 0]
/Dest
/F 4
/Rect [282.898 254.268 301.606 263.735]
/Subtype /Link
/Type /Annot
>>
endobj
24 0 obj
<<
/A <<
/S /URI
/URI (http://crossmark.crossref.org/dialog/?doi=10.1007/s10693-016-0246-1&domain=pdf)
>>
/AP <<
/N 331 0 R
>>
/Border [0 0 0]
/F 4
/Rect [347.471 617.499 392.598 635.471]
/Subtype /Link
/Type /Annot
>>
endobj
25 0 obj
<<
/AP <<
/N 332 0 R
>>
/Border [0 0 0]
/Dest
/F 4
/Rect [122.343 154.658 137.82 162.652]
/Subtype /Link
/Type /Annot
>>
endobj
26 0 obj
<<
/Length 18220
/Filter /FlateDecode
>>
stream
HWkoF_A`YDpIۤ,EKl$R ){ϽÇzSyǙ8]_*=zdeןO}~Jy+NVWNù8x]vM4yG<6Sx$yg[PaMg^W^zuUnnWڄy-xߢ γL{qbDD[{7 scr:`mIeį@ZCKYa/vU2[7;챵V}w+r5q'luaoMsc31%' H뿇Ң*1ғ0RVJ^6Ke(s41 :qՂk2J)1raX>(ŝsjeji^虓ׄehM` q;~bǩyM6s|y<a'qb*0.$C
LC@gF4|䤚bKc=WZkaѥ,jCgg0 <3NL'4bW)5i&C$[HO%^2=I/Jw@ t5l#puH1[4%nby:Z+5%& !:ӇQr@MUMN`dʪ8|?{AŦS1l@)BsZ334Wݬߠ ,1'Ri0K\(qcٍU e♦$ S|:#;qhi CXYG^xNsW6%N.^T#h INpkagw6`w;8zrfg .\L-lEk-Y{l@Bz%chQ)'XY0F2{FDn[ 9plY4_&