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FL bias up
(0.116) (0.114) (0.112) (0.157)
-0.218*** -0.236*** 0.051 0.023
High time discounting
Personal (0.051
920 -0.550* - -0.390
Financial literacy (third variable) 0.990***
(0.218) (0.434) (1.974) (0.293) (0.245) (0.354)
0.252