ICOP

Big client

Small client

ICAF

−0.303

−1.375***

(−0.994)

(−3.219)

ICAF_r

−1.176

−10.465***

(−0.529)

(−3.638)

ICQ

−4.603***

−4.526***

−4.936***

−5.107***

(−5.670)

(−5.695)

(−4.554)

(−5.109)

DA

−4.106

−3.991

0.041

0.644

(−1.561)

(−1.544)

(0.023)

(0.445)

pre_ICOP

2.254***

2.305***

2.466***

2.454***

(5.233)

(5.248)

(5.192)

(5.217)

AGE

0.003

0.004

0.037

0.053

(0.102)

(0.151)

(1.001)

(1.375)

LOSS

0.573

0.598

0.160

0.257