Model 1

Model 2

Model 3

B

SE

t-test

B

SE

t-test

B

SE

t-test

Constant

2.696***

0.116

23.234

2.659***

0.139

19.087

2.567***

0.138

18.628

Gender

−0.046*

0.027

−1.669

−0.047*

0.028

−1.696

−0.045*

0.027

−1.652

Education

0.051***

0.016

3.095

0.050***

0.016

3.093

0.045***

0.016

2.783

Marital Status

0.035

0.032

1.096

0.034

0.032

1.058

0.024

0.025

0.952

Age

−0.001

0.002

−0.685cont

−0.001

0.002

−0.664

−0.001

0.002

−0.500

TW

−0.042*

0.019

−2.211

−0.032

0.023

−1.381

POS

0.065***

0.021

3.066

0.047***

0.017

2.721

TW*POS

0.066**

0.133

2.016

R-Square

0.019

0.029

0.031

R-square adj.

0.015

0.023

0.023

F Test Value

4.527***

3.665***

4.187***