Table 6

 Adjusted cell and marginal means (dependent variable: risk rating*)

Payment levelRisk levelRow mean
*Assessed using a 5 item scale and transformed to a 1–10 scale, with higher scores indicating higher risk ratings.
Significance: the main effect of risk level is significant (p<0.05).
Within the column means, means without a common superscript are significantly different at the 0.05 level using Dunn’s Method (Bonferroni).
$3501.533.276.23 3.68
$8001.542.946.60 3.70
$18001.412.486.41 3.43
Column mean 1.50a 2.89b 6.41c