HAGE

HEDU

HTEN

SIZE

AGE

DEBT

PAT

TOP1

MP(taB)

−4.736***

−5.472***

−7.349***

−4.245***

−15.760***

−4.095***

−5.107***

−4.272***

Choi(Pm)

3.446***

4.806***

11.865***

2.838***

10.303 ***

6.071***

4.319***

6.017***