Chapter 9 314 Table B1: Linear regression analysis results with persistence and total earnings as independent variables and including personal characteristics Model 0 Model 1 Model 2 Model 3 Model 4 Model 5 Sample Both arms Both arms Only random Only nudged Only depositbased Only rewardbased Persistence β p-value β p-value β p-value β p-value β p-value β p-value Intercept 187.7 .005 119.2 .082 119.0 .251 297.9 .041 220.1 .040 62.0 .511 Nudged assignment 37.7 .213 53.7 .198 32.2 .314 Payment condition €12 41.7 .160 48.3 .278 31.1 .465 -15.7 .796 54.4 .163 Payment condition €20 86.1 .004 63.0 .156 114.0 .008 10.6 .853 117.9 .002 Deposit scheme 7.1 .846 7.3 .839 Gender (ref. male) 52.2 .031 56.6 .018 72.9 .039 30.0 .364 39.6 .305 63.3 .047 Income -6.3 .225 -5.3 .319 -7.6 .293 1.6 .859 -4.0 .641 -4.4 .584 Educational level 6.2 .543 5.1 .614 3.3 .817 0.6 .969 -0.1 .994 10.5 .478
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