Chapter 9 316 Table B2. Linear regression analysis results with persistence and total earnings as independent variables and including loss aversion, discounting and demand for commitment (i.e. economic 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 334.3 .000 277.1 .000 288.7 .000 260.0 .001 316.3 .000 224.6 .002 Nudged assignment 20.3 .399 49.4 .214 1.3 .969 Payment condition €12 46.6 .126 28.7 .545 65.8 .125 8.8 .869 58.9 .139 Payment condition €20 72.1 .017 27.8 .693 128.2 .003 26.4 .608 94.1 .019 Deposit scheme 2.4 .971 25.1 .551 Demand for commitment (ref. willing to commit) 015.5 .526 -10.3 .677 -10.8 .779 -3.3 .933 -18.2 .691 14.3 .684 Loss aversion -2.1 .382 -2.6 .289 -1.7 .595 -3.1 .480 -2.8 .307 -0.9 .851 Kirby score -342.2 .446 -379.8 .394 423.7 .646 -732.9 .149 -636.9 .279 -10.6 .989
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