| variable | (1) | (2) |
| Constant | 3.809*** (7.557) | 4.122*** (4.145) |
| Online service remediation | 0.387*** (3.421) | 0.387*** (3.336) |
| Online Service Remediation* Regulatory focus | 0.326*** (2.896) | 0.324*** (2.804) |
| Regulatory focus | 0.587*** (5.206) | 0.577*** (4.843) |
| Gender |
| 0.037 (0.310) |
| Monthly income |
| 0.031 (0.260) |
| F | 14.697 | 8.377 |
| AdjR2 | 0.520 | 0.493 |