PUNTO A

La probabilidad de que le aprueben un crédito a una persona no blanca es 20% menos que a las blancas

model_probit <- glm(formula = approve ~ white, family = binomial(link = "probit"), 
                    data = loanapp)

stargazer(model_probit, type = "html")
Dependent variable:
approve
white 0.784***
(0.087)
Constant 0.547***
(0.075)
Observations 1,989
Log Likelihood -700.877
Akaike Inf. Crit. 1,405.755
Note: p<0.1; p<0.05; p<0.01
mfx_probit <- probitmfx(formula = approve ~ white, data = loanapp,
          atmean = F)


htmlreg(mfx_probit)
Statistical models
  Model 1
white 0.20***
  (0.03)
Num. obs. 1989
Log Likelihood -700.88
Deviance 1401.75
AIC 1405.75
BIC 1416.95
***p < 0.001; **p < 0.01; *p < 0.05
loanapp <- loanapp %>%
  mutate(prob = predict.glm(model_probit, type = "response"))

PUNTO B

si, aun sigue siendo significativa pero la aprobación no es directamente poir el color

model_probit <- glm(approve ~ white + hrat + obrat + loanprc + unem + male +
                       married + dep + sch + cosign + chist + pubrec +
                       mortlat1 + mortlat2 + vr,
                     family = binomial(link = "probit"), data = loanapp)

stargazer(model_probit, type = "html")
## 
## <table style="text-align:center"><tr><td colspan="2" style="border-bottom: 1px solid black"></td></tr><tr><td style="text-align:left"></td><td><em>Dependent variable:</em></td></tr>
## <tr><td></td><td colspan="1" style="border-bottom: 1px solid black"></td></tr>
## <tr><td style="text-align:left"></td><td>approve</td></tr>
## <tr><td colspan="2" style="border-bottom: 1px solid black"></td></tr><tr><td style="text-align:left">white</td><td>0.520<sup>***</sup></td></tr>
## <tr><td style="text-align:left"></td><td>(0.097)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">hrat</td><td>0.008</td></tr>
## <tr><td style="text-align:left"></td><td>(0.007)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">obrat</td><td>-0.028<sup>***</sup></td></tr>
## <tr><td style="text-align:left"></td><td>(0.006)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">loanprc</td><td>-1.012<sup>***</sup></td></tr>
## <tr><td style="text-align:left"></td><td>(0.240)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">unem</td><td>-0.037<sup>**</sup></td></tr>
## <tr><td style="text-align:left"></td><td>(0.018)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">male</td><td>-0.037</td></tr>
## <tr><td style="text-align:left"></td><td>(0.110)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">married</td><td>0.266<sup>***</sup></td></tr>
## <tr><td style="text-align:left"></td><td>(0.095)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">dep</td><td>-0.050</td></tr>
## <tr><td style="text-align:left"></td><td>(0.039)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">sch</td><td>0.015</td></tr>
## <tr><td style="text-align:left"></td><td>(0.095)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">cosign</td><td>0.086</td></tr>
## <tr><td style="text-align:left"></td><td>(0.241)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">chist</td><td>0.585<sup>***</sup></td></tr>
## <tr><td style="text-align:left"></td><td>(0.096)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">pubrec</td><td>-0.779<sup>***</sup></td></tr>
## <tr><td style="text-align:left"></td><td>(0.127)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">mortlat1</td><td>-0.188</td></tr>
## <tr><td style="text-align:left"></td><td>(0.257)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">mortlat2</td><td>-0.494</td></tr>
## <tr><td style="text-align:left"></td><td>(0.326)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">vr</td><td>-0.201<sup>**</sup></td></tr>
## <tr><td style="text-align:left"></td><td>(0.081)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">Constant</td><td>2.062<sup>***</sup></td></tr>
## <tr><td style="text-align:left"></td><td>(0.316)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td colspan="2" style="border-bottom: 1px solid black"></td></tr><tr><td style="text-align:left">Observations</td><td>1,971</td></tr>
## <tr><td style="text-align:left">Log Likelihood</td><td>-600.271</td></tr>
## <tr><td style="text-align:left">Akaike Inf. Crit.</td><td>1,232.542</td></tr>
## <tr><td colspan="2" style="border-bottom: 1px solid black"></td></tr><tr><td style="text-align:left"><em>Note:</em></td><td style="text-align:right"><sup>*</sup>p<0.1; <sup>**</sup>p<0.05; <sup>***</sup>p<0.01</td></tr>
## </table>
mfx_probit <- probitmfx(approve ~ white + hrat + obrat + loanprc + unem + male +
                           married + dep + sch + cosign + chist + pubrec +
                           mortlat1 + mortlat2 + vr, data = loanapp)

htmlreg(mfx_probit)
## <table class="texreg" style="margin: 10px auto;border-collapse: collapse;border-spacing: 0px;caption-side: bottom;color: #000000;border-top: 2px solid #000000;">
## <caption>Statistical models</caption>
## <thead>
## <tr>
## <th style="padding-left: 5px;padding-right: 5px;">&nbsp;</th>
## <th style="padding-left: 5px;padding-right: 5px;">Model 1</th>
## </tr>
## </thead>
## <tbody>
## <tr style="border-top: 1px solid #000000;">
## <td style="padding-left: 5px;padding-right: 5px;">white</td>
## <td style="padding-left: 5px;padding-right: 5px;">0.11<sup>&#42;&#42;&#42;</sup></td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.02)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">hrat</td>
## <td style="padding-left: 5px;padding-right: 5px;">0.00</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.00)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">obrat</td>
## <td style="padding-left: 5px;padding-right: 5px;">-0.00<sup>&#42;&#42;&#42;</sup></td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.00)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">loanprc</td>
## <td style="padding-left: 5px;padding-right: 5px;">-0.16<sup>&#42;&#42;&#42;</sup></td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.04)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">unem</td>
## <td style="padding-left: 5px;padding-right: 5px;">-0.01<sup>&#42;</sup></td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.00)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">male</td>
## <td style="padding-left: 5px;padding-right: 5px;">-0.01</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.02)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">married</td>
## <td style="padding-left: 5px;padding-right: 5px;">0.05<sup>&#42;&#42;</sup></td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.02)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">dep</td>
## <td style="padding-left: 5px;padding-right: 5px;">-0.01</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.01)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">sch</td>
## <td style="padding-left: 5px;padding-right: 5px;">0.00</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.02)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">cosign</td>
## <td style="padding-left: 5px;padding-right: 5px;">0.01</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.03)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">chist</td>
## <td style="padding-left: 5px;padding-right: 5px;">0.12<sup>&#42;&#42;&#42;</sup></td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.02)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">pubrec</td>
## <td style="padding-left: 5px;padding-right: 5px;">-0.19<sup>&#42;&#42;&#42;</sup></td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.04)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">mortlat1</td>
## <td style="padding-left: 5px;padding-right: 5px;">-0.03</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.05)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">mortlat2</td>
## <td style="padding-left: 5px;padding-right: 5px;">-0.11</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.09)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">vr</td>
## <td style="padding-left: 5px;padding-right: 5px;">-0.03<sup>&#42;</sup></td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.01)</td>
## </tr>
## <tr style="border-top: 1px solid #000000;">
## <td style="padding-left: 5px;padding-right: 5px;">Num. obs.</td>
## <td style="padding-left: 5px;padding-right: 5px;">1971</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">Log Likelihood</td>
## <td style="padding-left: 5px;padding-right: 5px;">-600.27</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">Deviance</td>
## <td style="padding-left: 5px;padding-right: 5px;">1200.54</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">AIC</td>
## <td style="padding-left: 5px;padding-right: 5px;">1232.54</td>
## </tr>
## <tr style="border-bottom: 2px solid #000000;">
## <td style="padding-left: 5px;padding-right: 5px;">BIC</td>
## <td style="padding-left: 5px;padding-right: 5px;">1321.92</td>
## </tr>
## </tbody>
## <tfoot>
## <tr>
## <td style="font-size: 0.8em;" colspan="2"><sup>&#42;&#42;&#42;</sup>p &lt; 0.001; <sup>&#42;&#42;</sup>p &lt; 0.01; <sup>&#42;</sup>p &lt; 0.05</td>
## </tr>
## </tfoot>
## </table>

PUNTO C

son similares en ambos modelos

model_logit <- glm(approve ~ white + hrat + obrat + loanprc + unem + male +
                     married + dep + sch + cosign + chist + pubrec +
                     mortlat1 + mortlat2 + vr,
                   family = binomial(link = "logit"), data = loanapp)

stargazer(model_logit, type = "html")
## 
## <table style="text-align:center"><tr><td colspan="2" style="border-bottom: 1px solid black"></td></tr><tr><td style="text-align:left"></td><td><em>Dependent variable:</em></td></tr>
## <tr><td></td><td colspan="1" style="border-bottom: 1px solid black"></td></tr>
## <tr><td style="text-align:left"></td><td>approve</td></tr>
## <tr><td colspan="2" style="border-bottom: 1px solid black"></td></tr><tr><td style="text-align:left">white</td><td>0.938<sup>***</sup></td></tr>
## <tr><td style="text-align:left"></td><td>(0.173)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">hrat</td><td>0.013</td></tr>
## <tr><td style="text-align:left"></td><td>(0.013)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">obrat</td><td>-0.053<sup>***</sup></td></tr>
## <tr><td style="text-align:left"></td><td>(0.011)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">loanprc</td><td>-1.905<sup>***</sup></td></tr>
## <tr><td style="text-align:left"></td><td>(0.460)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">unem</td><td>-0.067<sup>**</sup></td></tr>
## <tr><td style="text-align:left"></td><td>(0.033)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">male</td><td>-0.066</td></tr>
## <tr><td style="text-align:left"></td><td>(0.206)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">married</td><td>0.503<sup>***</sup></td></tr>
## <tr><td style="text-align:left"></td><td>(0.178)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">dep</td><td>-0.091</td></tr>
## <tr><td style="text-align:left"></td><td>(0.073)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">sch</td><td>0.041</td></tr>
## <tr><td style="text-align:left"></td><td>(0.178)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">cosign</td><td>0.132</td></tr>
## <tr><td style="text-align:left"></td><td>(0.446)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">chist</td><td>1.067<sup>***</sup></td></tr>
## <tr><td style="text-align:left"></td><td>(0.171)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">pubrec</td><td>-1.341<sup>***</sup></td></tr>
## <tr><td style="text-align:left"></td><td>(0.217)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">mortlat1</td><td>-0.310</td></tr>
## <tr><td style="text-align:left"></td><td>(0.464)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">mortlat2</td><td>-0.895</td></tr>
## <tr><td style="text-align:left"></td><td>(0.569)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">vr</td><td>-0.350<sup>**</sup></td></tr>
## <tr><td style="text-align:left"></td><td>(0.154)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td style="text-align:left">Constant</td><td>3.802<sup>***</sup></td></tr>
## <tr><td style="text-align:left"></td><td>(0.595)</td></tr>
## <tr><td style="text-align:left"></td><td></td></tr>
## <tr><td colspan="2" style="border-bottom: 1px solid black"></td></tr><tr><td style="text-align:left">Observations</td><td>1,971</td></tr>
## <tr><td style="text-align:left">Log Likelihood</td><td>-600.496</td></tr>
## <tr><td style="text-align:left">Akaike Inf. Crit.</td><td>1,232.992</td></tr>
## <tr><td colspan="2" style="border-bottom: 1px solid black"></td></tr><tr><td style="text-align:left"><em>Note:</em></td><td style="text-align:right"><sup>*</sup>p<0.1; <sup>**</sup>p<0.05; <sup>***</sup>p<0.01</td></tr>
## </table>
mfx_logit <- logitmfx(approve ~ white + hrat + obrat + loanprc + unem + male +
                        married + dep + sch + cosign + chist + pubrec +
                        mortlat1 + mortlat2 + vr, data = loanapp)
htmlreg(mfx_logit)
## <table class="texreg" style="margin: 10px auto;border-collapse: collapse;border-spacing: 0px;caption-side: bottom;color: #000000;border-top: 2px solid #000000;">
## <caption>Statistical models</caption>
## <thead>
## <tr>
## <th style="padding-left: 5px;padding-right: 5px;">&nbsp;</th>
## <th style="padding-left: 5px;padding-right: 5px;">Model 1</th>
## </tr>
## </thead>
## <tbody>
## <tr style="border-top: 1px solid #000000;">
## <td style="padding-left: 5px;padding-right: 5px;">white</td>
## <td style="padding-left: 5px;padding-right: 5px;">0.10<sup>&#42;&#42;&#42;</sup></td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.02)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">hrat</td>
## <td style="padding-left: 5px;padding-right: 5px;">0.00</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.00)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">obrat</td>
## <td style="padding-left: 5px;padding-right: 5px;">-0.00<sup>&#42;&#42;&#42;</sup></td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.00)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">loanprc</td>
## <td style="padding-left: 5px;padding-right: 5px;">-0.15<sup>&#42;&#42;&#42;</sup></td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.04)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">unem</td>
## <td style="padding-left: 5px;padding-right: 5px;">-0.01<sup>&#42;</sup></td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.00)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">male</td>
## <td style="padding-left: 5px;padding-right: 5px;">-0.01</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.02)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">married</td>
## <td style="padding-left: 5px;padding-right: 5px;">0.04<sup>&#42;&#42;</sup></td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.02)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">dep</td>
## <td style="padding-left: 5px;padding-right: 5px;">-0.01</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.01)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">sch</td>
## <td style="padding-left: 5px;padding-right: 5px;">0.00</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.01)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">cosign</td>
## <td style="padding-left: 5px;padding-right: 5px;">0.01</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.03)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">chist</td>
## <td style="padding-left: 5px;padding-right: 5px;">0.11<sup>&#42;&#42;&#42;</sup></td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.02)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">pubrec</td>
## <td style="padding-left: 5px;padding-right: 5px;">-0.17<sup>&#42;&#42;&#42;</sup></td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.04)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">mortlat1</td>
## <td style="padding-left: 5px;padding-right: 5px;">-0.03</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.05)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">mortlat2</td>
## <td style="padding-left: 5px;padding-right: 5px;">-0.10</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.09)</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">vr</td>
## <td style="padding-left: 5px;padding-right: 5px;">-0.03<sup>&#42;</sup></td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">&nbsp;</td>
## <td style="padding-left: 5px;padding-right: 5px;">(0.01)</td>
## </tr>
## <tr style="border-top: 1px solid #000000;">
## <td style="padding-left: 5px;padding-right: 5px;">Num. obs.</td>
## <td style="padding-left: 5px;padding-right: 5px;">1971</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">Log Likelihood</td>
## <td style="padding-left: 5px;padding-right: 5px;">-600.50</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">Deviance</td>
## <td style="padding-left: 5px;padding-right: 5px;">1200.99</td>
## </tr>
## <tr>
## <td style="padding-left: 5px;padding-right: 5px;">AIC</td>
## <td style="padding-left: 5px;padding-right: 5px;">1232.99</td>
## </tr>
## <tr style="border-bottom: 2px solid #000000;">
## <td style="padding-left: 5px;padding-right: 5px;">BIC</td>
## <td style="padding-left: 5px;padding-right: 5px;">1322.37</td>
## </tr>
## </tbody>
## <tfoot>
## <tr>
## <td style="font-size: 0.8em;" colspan="2"><sup>&#42;&#42;&#42;</sup>p &lt; 0.001; <sup>&#42;&#42;</sup>p &lt; 0.01; <sup>&#42;</sup>p &lt; 0.05</td>
## </tr>
## </tfoot>
## </table>