| Defensive focus |
| −0.362** (−3.039) |
| Online Service Remediation* Defensive Focus |
| −0.293** (−0.247) |
| Gender | 0.015 (0.125) | 0.059 (0.479) |
| Monthly income | 0.053 (0.621) | 0.022 (0.183) |
| F | 7.676 | 7.667 |
| AdjR2 | 0.468 | 0.467 |