Predicting employee turnover
Zhenfu
# The Business Questions
The Data
First we loaded the data to use: data/comb_data.csv.
## Warning: position_stack requires non-overlapping x intervals
## Warning: position_stack requires non-overlapping x intervals
Part 1: Key Customer Characteristics
From the data, we determine the key characteristics that identify the employees who left the firm. We are using the eigenvalue method to come up with the criterion to segment employees in multiple buckets.
Steps 1-2: Check the Data
We check the data that it is all metric data:
We identified 16 parameters that define an employee in the data. These are satisfaction level, last evaluation completed, number of project, average monthly hours worked, time spend in the firm, work related accidents, number of promotions in last 5 years, and employee’s department (Accounting, HR, Technical, Support, Management, IT, Product Management, Marketing, and R&D).
Next, we depict the descriptive statistics of the 16 parameters with 0 being the mean.
| min | 25 percent | median | mean | 75 percent | max | std | |
|---|---|---|---|---|---|---|---|
| Age | -1.51 | -0.64 | -0.21 | 0 | 0.66 | 2.39 | 1 |
| Gender | -1.13 | -1.13 | 0.88 | 0 | 0.88 | 0.88 | 1 |
| Marital | -1.17 | -1.17 | 0.55 | 0 | 0.55 | 3.98 | 1 |
| Children | -1.05 | -1.05 | -0.26 | 0 | 0.54 | 2.12 | 1 |
| Parents | -1.00 | -1.00 | -0.01 | 0 | 0.98 | 1.96 | 1 |
| Other.Family | -1.31 | -0.43 | -0.43 | 0 | 1.35 | 1.35 | 1 |
| Annual.Income | -1.93 | -0.92 | 0.35 | 0 | 0.86 | 1.62 | 1 |
| Percentage.Savings | -1.53 | -0.86 | -0.46 | 0 | 0.61 | 2.22 | 1 |
| Liquid.Assets | -1.55 | -0.94 | -0.02 | 0 | 0.59 | 2.42 | 1 |
| NonLiquid.Assets | -1.54 | -1.10 | -0.13 | 0 | 0.92 | 1.63 | 1 |
| Savings1 | -0.89 | -0.89 | -0.89 | 0 | 1.12 | 1.12 | 1 |
| Savings2 | -0.39 | -0.39 | -0.39 | 0 | -0.39 | 2.59 | 1 |
| Savings3 | -0.56 | -0.56 | -0.56 | 0 | -0.56 | 1.77 | 1 |
| Savings4 | -0.46 | -0.46 | -0.46 | 0 | -0.46 | 2.17 | 1 |
| Savings5 | -0.30 | -0.30 | -0.30 | 0 | -0.30 | 3.30 | 1 |
| Savings6 | -0.61 | -0.61 | -0.61 | 0 | 1.63 | 1.63 | 1 |
| Savings7 | -0.52 | -0.52 | -0.52 | 0 | -0.52 | 1.92 | 1 |
| Savings8 | -0.51 | -0.51 | -0.51 | 0 | -0.51 | 1.95 | 1 |
| Savings9 | -1.07 | -1.07 | 0.93 | 0 | 0.93 | 0.93 | 1 |
| Savings10 | -0.36 | -0.36 | -0.36 | 0 | -0.36 | 2.75 | 1 |
| Savings11 | -0.59 | -0.59 | -0.59 | 0 | 1.70 | 1.70 | 1 |
| Savings12 | -0.49 | -0.49 | -0.49 | 0 | -0.49 | 2.03 | 1 |
| Savings13 | -0.34 | -0.34 | -0.34 | 0 | -0.34 | 2.89 | 1 |
| Savings14 | -0.22 | -0.22 | -0.22 | 0 | -0.22 | 4.56 | 1 |
| Savings15 | -0.07 | -0.07 | -0.07 | 0 | -0.07 | 13.98 | 1 |
| Asset.Type1 | -2.51 | 0.40 | 0.40 | 0 | 0.40 | 0.40 | 1 |
| Asset.Type2 | -1.18 | -1.18 | 0.84 | 0 | 0.84 | 0.84 | 1 |
| Asset.Type3 | -0.50 | -0.50 | -0.50 | 0 | -0.50 | 2.01 | 1 |
| Asset.Type4 | -1.05 | -1.05 | 0.95 | 0 | 0.95 | 0.95 | 1 |
| Asset.Type5 | -0.90 | -0.90 | -0.90 | 0 | 1.11 | 1.11 | 1 |
| Asset.Type6 | -0.34 | -0.34 | -0.34 | 0 | -0.34 | 2.89 | 1 |
| Asset.Type7 | -0.20 | -0.20 | -0.20 | 0 | -0.20 | 5.02 | 1 |
| Asset.Type8 | -0.09 | -0.09 | -0.09 | 0 | -0.09 | 11.40 | 1 |
| Lifestyle1 | -0.23 | -0.23 | -0.23 | 0 | -0.23 | 4.32 | 1 |
| Lifestyle2 | -0.54 | -0.54 | -0.54 | 0 | -0.54 | 1.86 | 1 |
| Lifestyle3 | -0.48 | -0.48 | -0.48 | 0 | -0.48 | 2.08 | 1 |
| Lifestyle4 | -0.63 | -0.63 | -0.63 | 0 | 1.59 | 1.59 | 1 |
| Lifestyle5 | -0.63 | -0.63 | -0.63 | 0 | 1.59 | 1.59 | 1 |
| Lifestyle6 | -0.59 | -0.59 | -0.59 | 0 | 1.70 | 1.70 | 1 |
| Lifestyle7 | -0.85 | -0.85 | -0.85 | 0 | 1.17 | 1.17 | 1 |
| Lifestyle8 | -0.85 | -0.85 | -0.85 | 0 | 1.17 | 1.17 | 1 |
| Lifestyle9 | -0.39 | -0.39 | -0.39 | 0 | -0.39 | 2.59 | 1 |
| Lifestyle10 | -0.53 | -0.53 | -0.53 | 0 | -0.53 | 1.88 | 1 |
| Lifestyle11 | -0.58 | -0.58 | -0.58 | 0 | 1.71 | 1.71 | 1 |
| Fin.Attitude1 | -0.57 | -0.57 | -0.57 | 0 | -0.57 | 1.74 | 1 |
| Fin.Attitude2 | -0.65 | -0.65 | -0.65 | 0 | 1.55 | 1.55 | 1 |
| Fin.Attitude3 | -1.12 | -1.12 | 0.89 | 0 | 0.89 | 0.89 | 1 |
| Fin.Attitude4 | -0.39 | -0.39 | -0.39 | 0 | -0.39 | 2.53 | 1 |
| Fin.Attitude5 | -0.96 | -0.96 | -0.96 | 0 | 1.04 | 1.04 | 1 |
| Fin.Attitude6 | -0.51 | -0.51 | -0.51 | 0 | -0.51 | 1.95 | 1 |
| Dec.Making1 | -1.49 | -1.49 | 0.67 | 0 | 0.67 | 0.67 | 1 |
| Dec.Making2 | -1.04 | -1.04 | 0.96 | 0 | 0.96 | 0.96 | 1 |
| Dec.Making3 | -0.41 | -0.41 | -0.41 | 0 | -0.41 | 2.40 | 1 |
| Dec.Making4 | -0.40 | -0.40 | -0.40 | 0 | -0.40 | 2.51 | 1 |
| Dec.Making5 | -0.64 | -0.64 | -0.64 | 0 | 1.56 | 1.56 | 1 |
| Dec.Making6 | -0.59 | -0.59 | -0.59 | 0 | 1.70 | 1.70 | 1 |
| Dec.Making7 | -0.27 | -0.27 | -0.27 | 0 | -0.27 | 3.68 | 1 |
| Online.Purchase1 | -1.16 | -1.16 | 0.86 | 0 | 0.86 | 0.86 | 1 |
| Online.Purchase2 | -0.88 | -0.88 | -0.88 | 0 | 1.13 | 1.13 | 1 |
| Online.Purchase3 | -1.11 | -1.11 | 0.90 | 0 | 0.90 | 0.90 | 1 |
| Online.Purchase4 | -0.89 | -0.89 | -0.89 | 0 | 1.12 | 1.12 | 1 |
| Online.Purchase5 | -1.17 | -1.17 | 0.85 | 0 | 0.85 | 0.85 | 1 |
| Online.Purchase6 | -0.52 | -0.52 | -0.52 | 0 | -0.52 | 1.90 | 1 |
| Online.Purchase7 | -0.86 | -0.86 | -0.86 | 0 | 1.16 | 1.16 | 1 |
| Online.Purchase8 | -0.46 | -0.46 | -0.46 | 0 | -0.46 | 2.15 | 1 |
| Online.Purchase9 | -1.13 | -1.13 | 0.88 | 0 | 0.88 | 0.88 | 1 |
| Online.Purchase10 | -0.66 | -0.66 | -0.66 | 0 | 1.52 | 1.52 | 1 |
| Online.Purchase11 | -0.15 | -0.15 | -0.15 | 0 | -0.15 | 6.53 | 1 |
| Online.Freq | -6.53 | 0.15 | 0.15 | 0 | 0.15 | 0.15 | 1 |
| Media1 | -1.66 | -1.66 | 0.60 | 0 | 0.60 | 0.60 | 1 |
| Media2 | -0.81 | -0.81 | -0.81 | 0 | 1.23 | 1.23 | 1 |
| Media3 | -0.48 | -0.48 | -0.48 | 0 | -0.48 | 2.06 | 1 |
| Media4 | -1.52 | -1.52 | 0.66 | 0 | 0.66 | 0.66 | 1 |
| Media5 | -2.03 | 0.49 | 0.49 | 0 | 0.49 | 0.49 | 1 |
| Media6 | -0.44 | -0.44 | -0.44 | 0 | -0.44 | 2.29 | 1 |
| Media7 | -0.25 | -0.25 | -0.25 | 0 | -0.25 | 4.01 | 1 |
| Media8 | -1.35 | -1.35 | 0.74 | 0 | 0.74 | 0.74 | 1 |
| Media9 | -0.95 | -0.95 | -0.95 | 0 | 1.05 | 1.05 | 1 |
| Media10 | -0.24 | -0.24 | -0.24 | 0 | -0.24 | 4.21 | 1 |
| Media11 | -0.51 | -0.51 | -0.51 | 0 | -0.51 | 1.95 | 1 |
| Media12 | -0.20 | -0.20 | -0.20 | 0 | -0.20 | 5.02 | 1 |
| Media13 | -0.36 | -0.36 | -0.36 | 0 | -0.36 | 2.78 | 1 |
| Media14 | -1.86 | 0.54 | 0.54 | 0 | 0.54 | 0.54 | 1 |
| Media15 | -0.12 | -0.12 | -0.12 | 0 | -0.12 | 8.03 | 1 |
| Media16 | -0.52 | -0.52 | -0.52 | 0 | -0.52 | 1.93 | 1 |
| Media17 | -0.11 | -0.11 | -0.11 | 0 | -0.11 | 8.81 | 1 |
| Media18 | -0.09 | -0.09 | -0.09 | 0 | -0.09 | 11.40 | 1 |
| SocialMedia.Freq | -3.97 | -0.56 | 0.57 | 0 | 0.57 | 0.57 | 1 |
| DataSharing.Attitude1 | -0.81 | -0.81 | -0.81 | 0 | 1.23 | 1.23 | 1 |
| DataSharing.Attitude2 | -0.79 | -0.79 | -0.79 | 0 | 1.27 | 1.27 | 1 |
| DataSharing.Attitude3 | -1.12 | -1.12 | 0.89 | 0 | 0.89 | 0.89 | 1 |
| DataSharing.Attitude4 | -0.58 | -0.58 | -0.58 | 0 | 1.71 | 1.71 | 1 |
| DataSharing.Attitude5 | -0.76 | -0.76 | -0.76 | 0 | 1.31 | 1.31 | 1 |
| Risk.Appetite | -1.34 | -1.34 | 0.25 | 0 | 0.25 | 1.84 | 1 |
| Inv.Behaviour1 | -0.58 | -0.58 | -0.58 | 0 | 1.15 | 1.72 | 1 |
| Inv.Behaviour2 | -0.24 | -0.24 | -0.24 | 0 | -0.24 | 4.21 | 1 |
| Inv.Behaviour3 | -0.52 | -0.52 | -0.52 | 0 | -0.52 | 1.90 | 1 |
| Inv.Behaviour4 | -0.68 | -0.68 | -0.68 | 0 | 1.47 | 1.47 | 1 |
| Inv.Behaviour5 | -0.44 | -0.44 | -0.44 | 0 | -0.44 | 2.25 | 1 |
| L.H.Needs1 | -0.97 | -0.97 | -0.97 | 0 | 1.03 | 1.03 | 1 |
| L.H.Needs2 | -1.28 | -1.28 | 0.78 | 0 | 0.78 | 0.78 | 1 |
| L.H.Needs3 | -0.91 | -0.91 | -0.91 | 0 | 1.10 | 1.10 | 1 |
| L.H.Needs4 | -0.84 | -0.84 | -0.84 | 0 | 1.18 | 1.18 | 1 |
| L.H.Needs5 | -0.54 | -0.54 | -0.54 | 0 | -0.54 | 1.85 | 1 |
| L.H.Needs6 | -1.16 | -1.16 | 0.86 | 0 | 0.86 | 0.86 | 1 |
| L.H.Needs7 | -0.70 | -0.70 | -0.70 | 0 | 1.43 | 1.43 | 1 |
| L.H.Needs8 | -0.84 | -0.84 | -0.84 | 0 | 1.19 | 1.19 | 1 |
| L.H.Needs9 | -1.12 | -1.12 | 0.89 | 0 | 0.89 | 0.89 | 1 |
| L.H.Needs10 | -0.70 | -0.70 | -0.70 | 0 | 1.42 | 1.42 | 1 |
| L.H.Needs11 | -0.62 | -0.62 | -0.62 | 0 | 1.61 | 1.61 | 1 |
| L.H.Needs12 | -0.05 | -0.05 | -0.05 | 0 | -0.05 | 19.80 | 1 |
| Gen.Needs1 | -1.10 | -1.10 | 0.91 | 0 | 0.91 | 0.91 | 1 |
| Gen.Needs2 | -0.86 | -0.86 | -0.86 | 0 | 1.16 | 1.16 | 1 |
| Gen.Needs3 | -0.62 | -0.62 | -0.62 | 0 | 1.60 | 1.60 | 1 |
| Gen.Needs4 | -0.33 | -0.33 | -0.33 | 0 | -0.33 | 3.06 | 1 |
| Gen.Needs5 | -0.86 | -0.86 | -0.86 | 0 | 1.16 | 1.16 | 1 |
| Gen.Needs6 | -1.68 | -1.68 | 0.59 | 0 | 0.59 | 0.59 | 1 |
| Gen.Needs7 | -0.99 | -0.99 | -0.99 | 0 | 1.01 | 1.01 | 1 |
| Gen.Needs8 | -0.35 | -0.35 | -0.35 | 0 | -0.35 | 2.85 | 1 |
| Gen.Needs9 | -0.05 | -0.05 | -0.05 | 0 | -0.05 | 19.80 | 1 |
| Ins.Service1 | -0.39 | -0.39 | -0.39 | 0 | -0.39 | 2.59 | 1 |
| Ins.Service2 | -0.50 | -0.50 | -0.50 | 0 | -0.50 | 1.99 | 1 |
| Ins.Service3 | -0.83 | -0.83 | -0.83 | 0 | 1.21 | 1.21 | 1 |
| Ins.Service4 | -0.35 | -0.35 | -0.35 | 0 | -0.35 | 2.82 | 1 |
| Ins.Service5 | -0.48 | -0.48 | -0.48 | 0 | -0.48 | 2.08 | 1 |
| Ins.Service6 | -0.42 | -0.42 | -0.42 | 0 | -0.42 | 2.38 | 1 |
| Ins.Service7 | -0.88 | -0.88 | -0.88 | 0 | 1.13 | 1.13 | 1 |
| Ins.Service8 | -0.37 | -0.37 | -0.37 | 0 | -0.37 | 2.68 | 1 |
| Ins.Service9 | -0.69 | -0.69 | -0.69 | 0 | 1.44 | 1.44 | 1 |
| Ins.Service10 | -0.37 | -0.37 | -0.37 | 0 | -0.37 | 2.68 | 1 |
| Ins.Service11 | -0.48 | -0.48 | -0.48 | 0 | -0.48 | 2.09 | 1 |
| Ins.wo.CB1 | -1.01 | -1.01 | 0.99 | 0 | 0.99 | 0.99 | 1 |
| Ins.wo.CB2 | -0.37 | -0.37 | -0.37 | 0 | -0.37 | 2.68 | 1 |
| Ins.wo.CB3 | -0.77 | -0.77 | -0.77 | 0 | 1.29 | 1.29 | 1 |
| Ins.Brands1 | -0.38 | -0.38 | -0.38 | 0 | -0.38 | 2.62 | 1 |
| Ins.Brands2 | -0.55 | -0.55 | -0.55 | 0 | -0.55 | 1.82 | 1 |
| Ins.Brands3 | -0.35 | -0.35 | -0.35 | 0 | -0.35 | 2.85 | 1 |
| Ins.Brands4 | -1.01 | -1.01 | 0.98 | 0 | 0.98 | 0.98 | 1 |
| Ins.Brands5 | -0.63 | -0.63 | -0.63 | 0 | 1.59 | 1.59 | 1 |
| Ins.Brands6 | -0.68 | -0.68 | -0.68 | 0 | 1.46 | 1.46 | 1 |
| Ins.Brands7 | -0.62 | -0.62 | -0.62 | 0 | 1.61 | 1.61 | 1 |
| Ins.Brands8 | -0.30 | -0.30 | -0.30 | 0 | -0.30 | 3.30 | 1 |
| Ins.Brands9 | -0.36 | -0.36 | -0.36 | 0 | -0.36 | 2.78 | 1 |
| Ins.Brands10 | -0.11 | -0.11 | -0.11 | 0 | -0.11 | 8.81 | 1 |
| Ins.Brands11 | -1.08 | -1.08 | 0.92 | 0 | 0.92 | 0.92 | 1 |
| Ins.Brands12 | -0.73 | -0.73 | -0.73 | 0 | 1.38 | 1.38 | 1 |
| Ins.Brands13 | -0.38 | -0.38 | -0.38 | 0 | -0.38 | 2.62 | 1 |
| Ins.Brands14 | -0.86 | -0.86 | -0.86 | 0 | 1.16 | 1.16 | 1 |
| Ins.Brands15 | -0.73 | -0.73 | -0.73 | 0 | 1.38 | 1.38 | 1 |
| Ins.Brands16 | -0.39 | -0.39 | -0.39 | 0 | -0.39 | 2.53 | 1 |
| Ins.Brands17 | -0.30 | -0.30 | -0.30 | 0 | -0.30 | 3.30 | 1 |
| Ins.Brands18 | -0.50 | -0.50 | -0.50 | 0 | -0.50 | 1.99 | 1 |
| Ins.Brands19 | -0.43 | -0.43 | -0.43 | 0 | -0.43 | 2.33 | 1 |
| Ins.Brands20 | -0.23 | -0.23 | -0.23 | 0 | -0.23 | 4.32 | 1 |
| Ins.Brands21 | -0.12 | -0.12 | -0.12 | 0 | -0.12 | 8.03 | 1 |
| L.H.Own1 | -0.62 | -0.62 | -0.62 | 0 | 1.60 | 1.60 | 1 |
| L.H.Own2 | -1.04 | -1.04 | 0.96 | 0 | 0.96 | 0.96 | 1 |
| L.H.Own3 | -0.62 | -0.62 | -0.62 | 0 | 1.60 | 1.60 | 1 |
| L.H.Own4 | -1.19 | -1.19 | 0.84 | 0 | 0.84 | 0.84 | 1 |
| L.H.Own5 | -1.02 | -1.02 | 0.98 | 0 | 0.98 | 0.98 | 1 |
| L.H.Own6 | -0.52 | -0.52 | -0.52 | 0 | -0.52 | 1.90 | 1 |
| L.H.Own7 | -0.49 | -0.49 | -0.49 | 0 | -0.49 | 2.04 | 1 |
| L.H.Own8 | -0.43 | -0.43 | -0.43 | 0 | -0.43 | 2.33 | 1 |
| L.H.Own9 | -0.53 | -0.53 | -0.53 | 0 | -0.53 | 1.89 | 1 |
| L.H.Own10 | -0.32 | -0.32 | -0.32 | 0 | -0.32 | 3.15 | 1 |
| L.H.Own11 | -0.22 | -0.22 | -0.22 | 0 | -0.22 | 4.56 | 1 |
| L.H.Own12 | -0.21 | -0.21 | -0.21 | 0 | -0.21 | 4.85 | 1 |
| Gen.Own1 | -1.48 | -1.48 | 0.67 | 0 | 0.67 | 0.67 | 1 |
| Gen.Own2 | -1.32 | -1.32 | 0.75 | 0 | 0.75 | 0.75 | 1 |
| Gen.Own3 | -1.32 | -1.32 | 0.76 | 0 | 0.76 | 0.76 | 1 |
| Gen.Own4 | -0.73 | -0.73 | -0.73 | 0 | 1.38 | 1.38 | 1 |
| Gen.Own5 | -0.63 | -0.63 | -0.63 | 0 | 1.57 | 1.57 | 1 |
| Gen.Own6 | -0.52 | -0.52 | -0.52 | 0 | -0.52 | 1.90 | 1 |
| Gen.Own7 | -0.24 | -0.24 | -0.24 | 0 | -0.24 | 4.11 | 1 |
| Gen.Own8 | -0.15 | -0.15 | -0.15 | 0 | -0.15 | 6.53 | 1 |
| Gen.Own9 | -0.15 | -0.15 | -0.15 | 0 | -0.15 | 6.53 | 1 |
| Employer.Ins1 | -0.85 | -0.85 | -0.85 | 0 | 1.17 | 1.17 | 1 |
| Employer.Ins2 | -0.77 | -0.77 | -0.77 | 0 | 1.29 | 1.29 | 1 |
| Employer.Ins3 | -0.98 | -0.98 | -0.98 | 0 | 1.02 | 1.02 | 1 |
| Employer.Ins4 | -0.39 | -0.39 | -0.39 | 0 | -0.39 | 2.59 | 1 |
| Employer.Ins5 | -0.38 | -0.38 | -0.38 | 0 | -0.38 | 2.65 | 1 |
| Employer.Ins6 | -0.46 | -0.46 | -0.46 | 0 | -0.46 | 2.17 | 1 |
| NoIns.Rea1 | -0.07 | -0.07 | -0.07 | 0 | -0.07 | 13.98 | 1 |
| NoIns.Rea2 | -0.07 | -0.07 | -0.07 | 0 | -0.07 | 13.98 | 1 |
| NoIns.Rea4 | -0.07 | -0.07 | -0.07 | 0 | -0.07 | 13.98 | 1 |
| NoIns.Rea5 | -0.07 | -0.07 | -0.07 | 0 | -0.07 | 13.98 | 1 |
| NoIns.Rea8 | -0.07 | -0.07 | -0.07 | 0 | -0.07 | 13.98 | 1 |
| NoIns.Rea9 | -0.13 | -0.13 | -0.13 | 0 | -0.13 | 7.43 | 1 |
| Purc.Trig1 | -0.83 | -0.83 | -0.83 | 0 | 1.20 | 1.20 | 1 |
| Purc.Trig2 | -0.45 | -0.45 | -0.45 | 0 | -0.45 | 2.21 | 1 |
| Purc.Trig3 | -0.48 | -0.48 | -0.48 | 0 | -0.48 | 2.06 | 1 |
| Purc.Trig4 | -0.56 | -0.56 | -0.56 | 0 | -0.56 | 1.80 | 1 |
| Purc.Trig5 | -0.52 | -0.52 | -0.52 | 0 | -0.52 | 1.92 | 1 |
| Purc.Trig6 | -0.56 | -0.56 | -0.56 | 0 | -0.56 | 1.77 | 1 |
| Purc.Trig7 | -0.71 | -0.71 | -0.71 | 0 | 1.41 | 1.41 | 1 |
| Purc.Trig8 | -0.61 | -0.61 | -0.61 | 0 | 1.65 | 1.65 | 1 |
| Purc.Trig9 | -0.28 | -0.28 | -0.28 | 0 | -0.28 | 3.54 | 1 |
| Purc.Trig10 | -0.38 | -0.38 | -0.38 | 0 | -0.38 | 2.65 | 1 |
| Purc.Trig11 | -0.22 | -0.22 | -0.22 | 0 | -0.22 | 4.44 | 1 |
| Purc.Trig12 | -0.80 | -0.80 | -0.80 | 0 | 1.25 | 1.25 | 1 |
| Purc.Trig13 | -0.30 | -0.30 | -0.30 | 0 | -0.30 | 3.36 | 1 |
| Purc.Trig14 | -0.05 | -0.05 | -0.05 | 0 | -0.05 | 19.80 | 1 |
| L.H.Lack1 | -0.74 | -0.74 | -0.74 | 0 | 1.35 | 1.35 | 1 |
| L.H.Lack2 | -0.95 | -0.95 | -0.95 | 0 | 1.05 | 1.05 | 1 |
| L.H.Lack3 | -0.59 | -0.59 | -0.59 | 0 | 1.70 | 1.70 | 1 |
| L.H.Lack4 | -1.15 | -1.15 | 0.87 | 0 | 0.87 | 0.87 | 1 |
| L.H.Lack5 | -0.98 | -0.98 | -0.98 | 0 | 1.02 | 1.02 | 1 |
| L.H.Lack6 | -0.56 | -0.56 | -0.56 | 0 | -0.56 | 1.80 | 1 |
| L.H.Lack7 | -0.80 | -0.80 | -0.80 | 0 | 1.25 | 1.25 | 1 |
| L.H.Lack8 | -0.50 | -0.50 | -0.50 | 0 | -0.50 | 1.98 | 1 |
| L.H.Lack9 | -0.68 | -0.68 | -0.68 | 0 | 1.46 | 1.46 | 1 |
| L.H.Lack10 | -0.22 | -0.22 | -0.22 | 0 | -0.22 | 4.44 | 1 |
| L.H.Lack11 | -0.21 | -0.21 | -0.21 | 0 | -0.21 | 4.70 | 1 |
| Gen.Lack1 | -1.19 | -1.19 | 0.84 | 0 | 0.84 | 0.84 | 1 |
| Gen.Lack2 | -1.09 | -1.09 | 0.91 | 0 | 0.91 | 0.91 | 1 |
| Gen.Lack3 | -1.08 | -1.08 | 0.93 | 0 | 0.93 | 0.93 | 1 |
| Gen.Lack4 | -0.76 | -0.76 | -0.76 | 0 | 1.31 | 1.31 | 1 |
| Gen.Lack5 | -0.59 | -0.59 | -0.59 | 0 | 1.68 | 1.68 | 1 |
| Gen.Lack6 | -0.56 | -0.56 | -0.56 | 0 | -0.56 | 1.80 | 1 |
| Gen.Lack7 | -0.22 | -0.22 | -0.22 | 0 | -0.22 | 4.44 | 1 |
| Gen.Lack8 | -0.28 | -0.28 | -0.28 | 0 | -0.28 | 3.54 | 1 |
| L.H.Res1 | -1.30 | -1.30 | 0.77 | 0 | 0.77 | 0.77 | 1 |
| L.H.Res2 | -0.32 | -0.32 | -0.32 | 0 | -0.32 | 3.10 | 1 |
| L.H.Res3 | -0.57 | -0.57 | -0.57 | 0 | -0.57 | 1.74 | 1 |
| L.H.Res4 | -0.45 | -0.45 | -0.45 | 0 | -0.45 | 2.21 | 1 |
| L.H.Res5 | -0.48 | -0.48 | -0.48 | 0 | -0.48 | 2.09 | 1 |
| L.H.Res6 | -0.77 | -0.77 | -0.77 | 0 | 1.30 | 1.30 | 1 |
| L.H.Res7 | -0.60 | -0.60 | -0.60 | 0 | 1.67 | 1.67 | 1 |
| L.H.Res8 | -0.40 | -0.40 | -0.40 | 0 | -0.40 | 2.51 | 1 |
| L.H.Res9 | -0.32 | -0.32 | -0.32 | 0 | -0.32 | 3.15 | 1 |
| L.H.Res10 | -0.46 | -0.46 | -0.46 | 0 | -0.46 | 2.19 | 1 |
| L.H.Res11 | -0.10 | -0.10 | -0.10 | 0 | -0.10 | 9.86 | 1 |
| Gen.Res1 | -1.29 | -1.29 | 0.77 | 0 | 0.77 | 0.77 | 1 |
| Gen.Res2 | -0.35 | -0.35 | -0.35 | 0 | -0.35 | 2.85 | 1 |
| Gen.Res3 | -0.58 | -0.58 | -0.58 | 0 | 1.71 | 1.71 | 1 |
| Gen.Res4 | -0.42 | -0.42 | -0.42 | 0 | -0.42 | 2.36 | 1 |
| Gen.Res5 | -0.44 | -0.44 | -0.44 | 0 | -0.44 | 2.27 | 1 |
| Gen.Res6 | -0.80 | -0.80 | -0.80 | 0 | 1.25 | 1.25 | 1 |
| Gen.Res7 | -0.60 | -0.60 | -0.60 | 0 | 1.66 | 1.66 | 1 |
| Gen.Res8 | -0.37 | -0.37 | -0.37 | 0 | -0.37 | 2.71 | 1 |
| Gen.Res9 | -0.28 | -0.28 | -0.28 | 0 | -0.28 | 3.54 | 1 |
| Gen.Res10 | -0.38 | -0.38 | -0.38 | 0 | -0.38 | 2.62 | 1 |
| Gen.Res11 | -0.09 | -0.09 | -0.09 | 0 | -0.09 | 11.40 | 1 |
| Digital.Purchase1 | -0.65 | -0.65 | -0.65 | 0 | 1.53 | 1.53 | 1 |
| Digital.Purchase2 | -0.77 | -0.77 | -0.77 | 0 | 1.29 | 1.29 | 1 |
| Digital.Purchase3 | -0.65 | -0.65 | -0.65 | 0 | 1.55 | 1.55 | 1 |
| Digital.Purchase4 | -1.01 | -1.01 | 0.99 | 0 | 0.99 | 0.99 | 1 |
| Digital.Purchase5 | -0.54 | -0.54 | -0.54 | 0 | -0.54 | 1.85 | 1 |
| L.H.SalesChan1 | -1.32 | -1.32 | 0.76 | 0 | 0.76 | 0.76 | 1 |
| L.H.SalesChan2 | -0.77 | -0.77 | -0.77 | 0 | 1.29 | 1.29 | 1 |
| L.H.SalesChan3 | -0.57 | -0.57 | -0.57 | 0 | -0.57 | 1.74 | 1 |
| L.H.SalesChan4 | -0.44 | -0.44 | -0.44 | 0 | -0.44 | 2.29 | 1 |
| L.H.SalesChan5 | -0.40 | -0.40 | -0.40 | 0 | -0.40 | 2.51 | 1 |
| L.H.SalesChan6 | -0.10 | -0.10 | -0.10 | 0 | -0.10 | 9.86 | 1 |
| InvIns.SalesChan1 | -1.20 | -1.20 | 0.83 | 0 | 0.83 | 0.83 | 1 |
| InvIns.SalesChan2 | -0.70 | -0.70 | -0.70 | 0 | 1.43 | 1.43 | 1 |
| InvIns.SalesChan3 | -0.54 | -0.54 | -0.54 | 0 | -0.54 | 1.86 | 1 |
| InvIns.SalesChan4 | -0.57 | -0.57 | -0.57 | 0 | -0.57 | 1.76 | 1 |
| InvIns.SalesChan5 | -0.46 | -0.46 | -0.46 | 0 | -0.46 | 2.15 | 1 |
| InvIns.SalesChan6 | -0.09 | -0.09 | -0.09 | 0 | -0.09 | 11.40 | 1 |
| Gen.SalesChan1 | -1.01 | -1.01 | 0.99 | 0 | 0.99 | 0.99 | 1 |
| Gen.SalesChan2 | -0.83 | -0.83 | -0.83 | 0 | 1.21 | 1.21 | 1 |
| Gen.SalesChan3 | -0.65 | -0.65 | -0.65 | 0 | 1.54 | 1.54 | 1 |
| Gen.SalesChan4 | -0.40 | -0.40 | -0.40 | 0 | -0.40 | 2.51 | 1 |
| Gen.SalesChan5 | -0.39 | -0.39 | -0.39 | 0 | -0.39 | 2.59 | 1 |
| Gen.SalesChan6 | -0.50 | -0.50 | -0.50 | 0 | -0.50 | 2.01 | 1 |
| Gen.SalesChan7 | -0.09 | -0.09 | -0.09 | 0 | -0.09 | 11.40 | 1 |
| InsChoice.Driver1 | -0.85 | -0.85 | -0.85 | 0 | 1.18 | 1.18 | 1 |
| InsChoice.Driver2 | -0.70 | -0.70 | -0.70 | 0 | 1.42 | 1.42 | 1 |
| InsChoice.Driver3 | -0.88 | -0.88 | -0.88 | 0 | 1.13 | 1.13 | 1 |
| InsChoice.Driver4 | -0.67 | -0.67 | -0.67 | 0 | 1.49 | 1.49 | 1 |
| InsChoice.Driver5 | -0.56 | -0.56 | -0.56 | 0 | -0.56 | 1.77 | 1 |
| InsChoice.Driver6 | -0.26 | -0.26 | -0.26 | 0 | -0.26 | 3.84 | 1 |
| InsChoice.Driver7 | -0.34 | -0.34 | -0.34 | 0 | -0.34 | 2.97 | 1 |
| InsChoice.Driver8 | -0.46 | -0.46 | -0.46 | 0 | -0.46 | 2.17 | 1 |
| InsChoice.Driver9 | -0.49 | -0.49 | -0.49 | 0 | -0.49 | 2.04 | 1 |
| InsChoice.Driver10 | -0.41 | -0.41 | -0.41 | 0 | -0.41 | 2.45 | 1 |
| InsChoice.Driver11 | -0.59 | -0.59 | -0.59 | 0 | 1.68 | 1.68 | 1 |
| Switch.Drivers1 | -0.42 | -0.42 | -0.42 | 0 | -0.42 | 2.38 | 1 |
| Switch.Drivers2 | -0.51 | -0.51 | -0.51 | 0 | -0.51 | 1.96 | 1 |
| Switch.Drivers3 | -0.45 | -0.45 | -0.45 | 0 | -0.45 | 2.23 | 1 |
| Switch.Drivers4 | -0.62 | -0.62 | -0.62 | 0 | 1.61 | 1.61 | 1 |
| Switch.Drivers5 | -0.71 | -0.71 | -0.71 | 0 | 1.40 | 1.40 | 1 |
| Switch.Drivers6 | -0.72 | -0.72 | -0.72 | 0 | 1.39 | 1.39 | 1 |
| Switch.Drivers7 | -0.39 | -0.39 | -0.39 | 0 | -0.39 | 2.56 | 1 |
| Switch.Drivers8 | -0.32 | -0.32 | -0.32 | 0 | -0.32 | 3.15 | 1 |
| Switch.Drivers9 | -0.37 | -0.37 | -0.37 | 0 | -0.37 | 2.68 | 1 |
| Switch.Drivers10 | -0.49 | -0.49 | -0.49 | 0 | -0.49 | 2.04 | 1 |
| Switch.Drivers11 | -0.62 | -0.62 | -0.62 | 0 | 1.61 | 1.61 | 1 |
| Switch.Drivers12 | -0.30 | -0.30 | -0.30 | 0 | -0.30 | 3.30 | 1 |
| Switch.Drivers13 | -0.28 | -0.28 | -0.28 | 0 | -0.28 | 3.61 | 1 |
| Switch.Drivers14 | -0.79 | -0.79 | -0.79 | 0 | 1.27 | 1.27 | 1 |
| Switch.Drivers15 | -0.50 | -0.50 | -0.50 | 0 | -0.50 | 1.99 | 1 |
| Switch.Drivers16 | -0.35 | -0.35 | -0.35 | 0 | -0.35 | 2.85 | 1 |
| Switch.Drivers17 | -0.52 | -0.52 | -0.52 | 0 | -0.52 | 1.90 | 1 |
Step 3: Check Correlations
We check the correlation between the 16 characteristics (parameters) identified in Step 1 & 2. From the below figure, it is evident that few characteristics are very much correlated to one another. For example, characteristics time spend in the firm, last evaluation completed, number of project and average monthly hours are strongly correlated to one another. This is quite evident as these 4 characteristics when bunched together signify “involvement” of an employee in the firm which could be inferred as time spent in firm or working. Second example could be correlation between satisfaction level and time spent in the firm. A positive correlation implies that a person who had spent enough time in the firm is more satisfied than the employee who is new in the firm. One of the hidden meaning from this correlation is that an employee who has spent less time in the firm has more chances of leaving the firm than an employee who has spent more time than the first employee.
The correlation would be useful in performing the factor analysis on the data to better define an ex-employee.
Step 4: Choose number of factors
To further make the process easy to use and understandable, we would reduce the dimensions of the data i.e. reduce the variables (16 characteristics) identified in the previous step by performing the factor analysis. Factor analysis is a method to derive new and fewer components to better segment the data.
The new factors will be the combination of 16 characteristics of the employees and will be 16 factors in total. First factor will explain most of the variance, second next and so on. Each factor will be associated with an eigenvalue. Eigenvalue corresponds to the amount of variance explained by each factor with standardized characteristics and each characteristic having a variance of 1. We will capture as much total variance as possible in as minimum factors as possible.
## Warning in cor.smooth(model): Matrix was not positive definite, smoothing
## was done## Warning in cor.smooth(r): Matrix was not positive definite, smoothing was
## done## Warning in principal(ProjectDataFactor, nfactors =
## ncol(ProjectDataFactor), : The matrix is not positive semi-definite, scores
## found from Structure loadings| Eigenvalue | Pct of explained variance | Cumulative pct of explained variance | |
|---|---|---|---|
| Component 1 | 22.36 | 7.58 | 7.58 |
| Component 2 | 8.79 | 2.98 | 10.56 |
| Component 3 | 6.71 | 2.28 | 12.84 |
| Component 4 | 6.20 | 2.10 | 14.94 |
| Component 5 | 5.48 | 1.86 | 16.80 |
| Component 6 | 4.45 | 1.51 | 18.31 |
| Component 7 | 4.34 | 1.47 | 19.78 |
| Component 8 | 4.13 | 1.40 | 21.18 |
| Component 9 | 3.80 | 1.29 | 22.46 |
| Component 10 | 3.66 | 1.24 | 23.71 |
| Component 11 | 3.42 | 1.16 | 24.87 |
| Component 12 | 3.30 | 1.12 | 25.99 |
| Component 13 | 3.18 | 1.08 | 27.07 |
| Component 14 | 3.10 | 1.05 | 28.12 |
| Component 15 | 3.01 | 1.02 | 29.14 |
| Component 16 | 2.99 | 1.01 | 30.15 |
| Component 17 | 2.93 | 0.99 | 31.14 |
| Component 18 | 2.85 | 0.97 | 32.11 |
| Component 19 | 2.80 | 0.95 | 33.06 |
| Component 20 | 2.75 | 0.93 | 33.99 |
| Component 21 | 2.69 | 0.91 | 34.90 |
| Component 22 | 2.57 | 0.87 | 35.78 |
| Component 23 | 2.56 | 0.87 | 36.64 |
| Component 24 | 2.52 | 0.86 | 37.50 |
| Component 25 | 2.51 | 0.85 | 38.35 |
| Component 26 | 2.43 | 0.82 | 39.17 |
| Component 27 | 2.40 | 0.81 | 39.99 |
| Component 28 | 2.33 | 0.79 | 40.78 |
| Component 29 | 2.32 | 0.79 | 41.57 |
| Component 30 | 2.28 | 0.77 | 42.34 |
| Component 31 | 2.23 | 0.76 | 43.10 |
| Component 32 | 2.22 | 0.75 | 43.85 |
| Component 33 | 2.16 | 0.73 | 44.58 |
| Component 34 | 2.15 | 0.73 | 45.31 |
| Component 35 | 2.10 | 0.71 | 46.02 |
| Component 36 | 2.08 | 0.70 | 46.72 |
| Component 37 | 2.07 | 0.70 | 47.43 |
| Component 38 | 2.03 | 0.69 | 48.12 |
| Component 39 | 2.02 | 0.68 | 48.80 |
| Component 40 | 1.98 | 0.67 | 49.47 |
| Component 41 | 1.95 | 0.66 | 50.13 |
| Component 42 | 1.94 | 0.66 | 50.79 |
| Component 43 | 1.90 | 0.64 | 51.43 |
| Component 44 | 1.89 | 0.64 | 52.07 |
| Component 45 | 1.87 | 0.63 | 52.70 |
| Component 46 | 1.84 | 0.62 | 53.33 |
| Component 47 | 1.82 | 0.62 | 53.95 |
| Component 48 | 1.79 | 0.61 | 54.55 |
| Component 49 | 1.74 | 0.59 | 55.15 |
| Component 50 | 1.73 | 0.59 | 55.73 |
| Component 51 | 1.72 | 0.58 | 56.32 |
| Component 52 | 1.71 | 0.58 | 56.90 |
| Component 53 | 1.69 | 0.57 | 57.47 |
| Component 54 | 1.68 | 0.57 | 58.04 |
| Component 55 | 1.64 | 0.56 | 58.59 |
| Component 56 | 1.61 | 0.55 | 59.14 |
| Component 57 | 1.59 | 0.54 | 59.68 |
| Component 58 | 1.58 | 0.53 | 60.21 |
| Component 59 | 1.57 | 0.53 | 60.74 |
| Component 60 | 1.53 | 0.52 | 61.26 |
| Component 61 | 1.52 | 0.51 | 61.78 |
| Component 62 | 1.50 | 0.51 | 62.29 |
| Component 63 | 1.49 | 0.50 | 62.79 |
| Component 64 | 1.47 | 0.50 | 63.29 |
| Component 65 | 1.46 | 0.50 | 63.78 |
| Component 66 | 1.45 | 0.49 | 64.27 |
| Component 67 | 1.41 | 0.48 | 64.75 |
| Component 68 | 1.40 | 0.48 | 65.23 |
| Component 69 | 1.37 | 0.46 | 65.69 |
| Component 70 | 1.35 | 0.46 | 66.15 |
| Component 71 | 1.34 | 0.46 | 66.61 |
| Component 72 | 1.33 | 0.45 | 67.06 |
| Component 73 | 1.31 | 0.44 | 67.50 |
| Component 74 | 1.30 | 0.44 | 67.95 |
| Component 75 | 1.29 | 0.44 | 68.38 |
| Component 76 | 1.28 | 0.43 | 68.81 |
| Component 77 | 1.27 | 0.43 | 69.24 |
| Component 78 | 1.25 | 0.42 | 69.67 |
| Component 79 | 1.23 | 0.42 | 70.08 |
| Component 80 | 1.22 | 0.41 | 70.50 |
| Component 81 | 1.20 | 0.41 | 70.91 |
| Component 82 | 1.19 | 0.40 | 71.31 |
| Component 83 | 1.17 | 0.40 | 71.71 |
| Component 84 | 1.15 | 0.39 | 72.10 |
| Component 85 | 1.15 | 0.39 | 72.49 |
| Component 86 | 1.15 | 0.39 | 72.88 |
| Component 87 | 1.13 | 0.38 | 73.26 |
| Component 88 | 1.11 | 0.38 | 73.64 |
| Component 89 | 1.11 | 0.38 | 74.01 |
| Component 90 | 1.10 | 0.37 | 74.39 |
| Component 91 | 1.07 | 0.36 | 74.75 |
| Component 92 | 1.06 | 0.36 | 75.11 |
| Component 93 | 1.05 | 0.36 | 75.47 |
| Component 94 | 1.04 | 0.35 | 75.82 |
| Component 95 | 1.03 | 0.35 | 76.17 |
| Component 96 | 1.01 | 0.34 | 76.51 |
| Component 97 | 1.00 | 0.34 | 76.85 |
| Component 98 | 0.99 | 0.34 | 77.19 |
| Component 99 | 0.98 | 0.33 | 77.52 |
| Component 100 | 0.97 | 0.33 | 77.85 |
| Component 101 | 0.96 | 0.33 | 78.17 |
| Component 102 | 0.95 | 0.32 | 78.50 |
| Component 103 | 0.93 | 0.31 | 78.81 |
| Component 104 | 0.92 | 0.31 | 79.12 |
| Component 105 | 0.91 | 0.31 | 79.43 |
| Component 106 | 0.90 | 0.31 | 79.74 |
| Component 107 | 0.90 | 0.30 | 80.04 |
| Component 108 | 0.89 | 0.30 | 80.35 |
| Component 109 | 0.88 | 0.30 | 80.64 |
| Component 110 | 0.86 | 0.29 | 80.93 |
| Component 111 | 0.85 | 0.29 | 81.22 |
| Component 112 | 0.85 | 0.29 | 81.51 |
| Component 113 | 0.83 | 0.28 | 81.79 |
| Component 114 | 0.83 | 0.28 | 82.07 |
| Component 115 | 0.83 | 0.28 | 82.36 |
| Component 116 | 0.82 | 0.28 | 82.63 |
| Component 117 | 0.81 | 0.27 | 82.91 |
| Component 118 | 0.80 | 0.27 | 83.18 |
| Component 119 | 0.78 | 0.27 | 83.44 |
| Component 120 | 0.77 | 0.26 | 83.71 |
| Component 121 | 0.77 | 0.26 | 83.97 |
| Component 122 | 0.76 | 0.26 | 84.22 |
| Component 123 | 0.75 | 0.25 | 84.48 |
| Component 124 | 0.74 | 0.25 | 84.73 |
| Component 125 | 0.73 | 0.25 | 84.97 |
| Component 126 | 0.72 | 0.24 | 85.22 |
| Component 127 | 0.71 | 0.24 | 85.46 |
| Component 128 | 0.71 | 0.24 | 85.70 |
| Component 129 | 0.69 | 0.23 | 85.93 |
| Component 130 | 0.68 | 0.23 | 86.16 |
| Component 131 | 0.68 | 0.23 | 86.39 |
| Component 132 | 0.67 | 0.23 | 86.62 |
| Component 133 | 0.66 | 0.22 | 86.84 |
| Component 134 | 0.66 | 0.22 | 87.07 |
| Component 135 | 0.65 | 0.22 | 87.29 |
| Component 136 | 0.64 | 0.22 | 87.51 |
| Component 137 | 0.63 | 0.21 | 87.72 |
| Component 138 | 0.62 | 0.21 | 87.93 |
| Component 139 | 0.61 | 0.21 | 88.14 |
| Component 140 | 0.61 | 0.21 | 88.35 |
| Component 141 | 0.61 | 0.21 | 88.55 |
| Component 142 | 0.60 | 0.20 | 88.76 |
| Component 143 | 0.59 | 0.20 | 88.96 |
| Component 144 | 0.59 | 0.20 | 89.16 |
| Component 145 | 0.57 | 0.19 | 89.35 |
| Component 146 | 0.57 | 0.19 | 89.54 |
| Component 147 | 0.55 | 0.19 | 89.73 |
| Component 148 | 0.54 | 0.18 | 89.91 |
| Component 149 | 0.53 | 0.18 | 90.09 |
| Component 150 | 0.53 | 0.18 | 90.27 |
| Component 151 | 0.53 | 0.18 | 90.45 |
| Component 152 | 0.52 | 0.18 | 90.63 |
| Component 153 | 0.51 | 0.17 | 90.80 |
| Component 154 | 0.51 | 0.17 | 90.97 |
| Component 155 | 0.50 | 0.17 | 91.14 |
| Component 156 | 0.49 | 0.17 | 91.31 |
| Component 157 | 0.49 | 0.16 | 91.47 |
| Component 158 | 0.48 | 0.16 | 91.64 |
| Component 159 | 0.47 | 0.16 | 91.80 |
| Component 160 | 0.46 | 0.16 | 91.95 |
| Component 161 | 0.46 | 0.16 | 92.11 |
| Component 162 | 0.46 | 0.15 | 92.26 |
| Component 163 | 0.45 | 0.15 | 92.42 |
| Component 164 | 0.44 | 0.15 | 92.57 |
| Component 165 | 0.44 | 0.15 | 92.72 |
| Component 166 | 0.43 | 0.15 | 92.86 |
| Component 167 | 0.42 | 0.14 | 93.00 |
| Component 168 | 0.41 | 0.14 | 93.14 |
| Component 169 | 0.41 | 0.14 | 93.28 |
| Component 170 | 0.40 | 0.14 | 93.42 |
| Component 171 | 0.40 | 0.13 | 93.55 |
| Component 172 | 0.39 | 0.13 | 93.68 |
| Component 173 | 0.38 | 0.13 | 93.81 |
| Component 174 | 0.38 | 0.13 | 93.94 |
| Component 175 | 0.37 | 0.13 | 94.07 |
| Component 176 | 0.37 | 0.13 | 94.19 |
| Component 177 | 0.36 | 0.12 | 94.32 |
| Component 178 | 0.36 | 0.12 | 94.44 |
| Component 179 | 0.35 | 0.12 | 94.56 |
| Component 180 | 0.35 | 0.12 | 94.67 |
| Component 181 | 0.34 | 0.12 | 94.79 |
| Component 182 | 0.34 | 0.11 | 94.90 |
| Component 183 | 0.33 | 0.11 | 95.02 |
| Component 184 | 0.33 | 0.11 | 95.13 |
| Component 185 | 0.32 | 0.11 | 95.23 |
| Component 186 | 0.32 | 0.11 | 95.34 |
| Component 187 | 0.31 | 0.10 | 95.45 |
| Component 188 | 0.30 | 0.10 | 95.55 |
| Component 189 | 0.30 | 0.10 | 95.65 |
| Component 190 | 0.30 | 0.10 | 95.75 |
| Component 191 | 0.29 | 0.10 | 95.85 |
| Component 192 | 0.29 | 0.10 | 95.95 |
| Component 193 | 0.28 | 0.10 | 96.04 |
| Component 194 | 0.28 | 0.09 | 96.14 |
| Component 195 | 0.27 | 0.09 | 96.23 |
| Component 196 | 0.27 | 0.09 | 96.32 |
| Component 197 | 0.26 | 0.09 | 96.41 |
| Component 198 | 0.26 | 0.09 | 96.50 |
| Component 199 | 0.26 | 0.09 | 96.59 |
| Component 200 | 0.25 | 0.09 | 96.67 |
| Component 201 | 0.25 | 0.08 | 96.76 |
| Component 202 | 0.24 | 0.08 | 96.84 |
| Component 203 | 0.24 | 0.08 | 96.92 |
| Component 204 | 0.24 | 0.08 | 97.00 |
| Component 205 | 0.23 | 0.08 | 97.08 |
| Component 206 | 0.23 | 0.08 | 97.16 |
| Component 207 | 0.22 | 0.08 | 97.23 |
| Component 208 | 0.22 | 0.07 | 97.31 |
| Component 209 | 0.21 | 0.07 | 97.38 |
| Component 210 | 0.21 | 0.07 | 97.45 |
| Component 211 | 0.21 | 0.07 | 97.52 |
| Component 212 | 0.20 | 0.07 | 97.59 |
| Component 213 | 0.20 | 0.07 | 97.66 |
| Component 214 | 0.19 | 0.07 | 97.72 |
| Component 215 | 0.19 | 0.06 | 97.79 |
| Component 216 | 0.19 | 0.06 | 97.85 |
| Component 217 | 0.19 | 0.06 | 97.91 |
| Component 218 | 0.18 | 0.06 | 97.98 |
| Component 219 | 0.18 | 0.06 | 98.04 |
| Component 220 | 0.17 | 0.06 | 98.09 |
| Component 221 | 0.17 | 0.06 | 98.15 |
| Component 222 | 0.17 | 0.06 | 98.21 |
| Component 223 | 0.16 | 0.06 | 98.27 |
| Component 224 | 0.16 | 0.05 | 98.32 |
| Component 225 | 0.15 | 0.05 | 98.37 |
| Component 226 | 0.15 | 0.05 | 98.42 |
| Component 227 | 0.15 | 0.05 | 98.48 |
| Component 228 | 0.15 | 0.05 | 98.53 |
| Component 229 | 0.14 | 0.05 | 98.57 |
| Component 230 | 0.14 | 0.05 | 98.62 |
| Component 231 | 0.14 | 0.05 | 98.67 |
| Component 232 | 0.14 | 0.05 | 98.72 |
| Component 233 | 0.14 | 0.05 | 98.76 |
| Component 234 | 0.13 | 0.04 | 98.81 |
| Component 235 | 0.13 | 0.04 | 98.85 |
| Component 236 | 0.13 | 0.04 | 98.89 |
| Component 237 | 0.12 | 0.04 | 98.94 |
| Component 238 | 0.12 | 0.04 | 98.98 |
| Component 239 | 0.12 | 0.04 | 99.02 |
| Component 240 | 0.11 | 0.04 | 99.05 |
| Component 241 | 0.11 | 0.04 | 99.09 |
| Component 242 | 0.11 | 0.04 | 99.13 |
| Component 243 | 0.10 | 0.03 | 99.16 |
| Component 244 | 0.10 | 0.03 | 99.20 |
| Component 245 | 0.10 | 0.03 | 99.23 |
| Component 246 | 0.10 | 0.03 | 99.26 |
| Component 247 | 0.09 | 0.03 | 99.29 |
| Component 248 | 0.09 | 0.03 | 99.33 |
| Component 249 | 0.09 | 0.03 | 99.35 |
| Component 250 | 0.08 | 0.03 | 99.38 |
| Component 251 | 0.08 | 0.03 | 99.41 |
| Component 252 | 0.08 | 0.03 | 99.44 |
| Component 253 | 0.08 | 0.03 | 99.47 |
| Component 254 | 0.08 | 0.03 | 99.49 |
| Component 255 | 0.07 | 0.03 | 99.52 |
| Component 256 | 0.07 | 0.02 | 99.54 |
| Component 257 | 0.07 | 0.02 | 99.57 |
| Component 258 | 0.07 | 0.02 | 99.59 |
| Component 259 | 0.07 | 0.02 | 99.61 |
| Component 260 | 0.06 | 0.02 | 99.63 |
| Component 261 | 0.06 | 0.02 | 99.65 |
| Component 262 | 0.06 | 0.02 | 99.67 |
| Component 263 | 0.06 | 0.02 | 99.69 |
| Component 264 | 0.06 | 0.02 | 99.71 |
| Component 265 | 0.05 | 0.02 | 99.73 |
| Component 266 | 0.05 | 0.02 | 99.75 |
| Component 267 | 0.05 | 0.02 | 99.76 |
| Component 268 | 0.05 | 0.02 | 99.78 |
| Component 269 | 0.05 | 0.02 | 99.80 |
| Component 270 | 0.04 | 0.02 | 99.81 |
| Component 271 | 0.04 | 0.01 | 99.82 |
| Component 272 | 0.04 | 0.01 | 99.84 |
| Component 273 | 0.04 | 0.01 | 99.85 |
| Component 274 | 0.04 | 0.01 | 99.87 |
| Component 275 | 0.04 | 0.01 | 99.88 |
| Component 276 | 0.04 | 0.01 | 99.89 |
| Component 277 | 0.03 | 0.01 | 99.90 |
| Component 278 | 0.03 | 0.01 | 99.91 |
| Component 279 | 0.03 | 0.01 | 99.92 |
| Component 280 | 0.03 | 0.01 | 99.93 |
| Component 281 | 0.03 | 0.01 | 99.94 |
| Component 282 | 0.02 | 0.01 | 99.95 |
| Component 283 | 0.02 | 0.01 | 99.96 |
| Component 284 | 0.02 | 0.01 | 99.96 |
| Component 285 | 0.02 | 0.01 | 99.97 |
| Component 286 | 0.02 | 0.01 | 99.98 |
| Component 287 | 0.02 | 0.01 | 99.98 |
| Component 288 | 0.02 | 0.01 | 99.99 |
| Component 289 | 0.02 | 0.01 | 99.99 |
| Component 290 | 0.01 | 0.00 | 100.00 |
| Component 291 | 0.00 | 0.00 | 100.00 |
| Component 292 | 0.00 | 0.00 | 100.00 |
| Component 293 | 0.00 | 0.00 | 100.00 |
| Component 294 | 0.00 | 0.00 | 100.00 |
| Component 295 | 0.00 | 0.00 | 100.00 |
The blue plot shows the decreasing eigenvalues with maximum 10 factors corresponding to the maximum eigenvalue of 1. This means that 10 factors signify the maximum characteristics of the employees. One of the ways to determine the number of factors to move forward is the “elbow” like shape in the plot. This is where the eigenvalue is one.
## Warning: package 'bindrcpp' was built under R version 3.3.2Step 5: Interpret the factors
In this case we selected the varimax rotation. For our data, the 97 selected factors look as follows after this rotation:
## Warning in cor.smooth(r): Matrix was not positive definite, smoothing was
## done## Warning in principal(ProjectDataFactor, nfactors = max(factors_selected), :
## The matrix is not positive semi-definite, scores found from Structure
## loadings| Comp.1 | Comp.2 | Comp.3 | Comp.4 | Comp.5 | Comp.6 | Comp.7 | Comp.8 | Comp.9 | Comp.10 | Comp.11 | Comp.12 | Comp.13 | Comp.14 | Comp.15 | Comp.16 | Comp.17 | Comp.18 | Comp.19 | Comp.20 | Comp.21 | Comp.22 | Comp.23 | Comp.24 | Comp.25 | Comp.26 | Comp.27 | Comp.28 | Comp.29 | Comp.30 | Comp.31 | Comp.32 | Comp.33 | Comp.34 | Comp.35 | Comp.36 | Comp.37 | Comp.38 | Comp.39 | Comp.40 | Comp.41 | Comp.42 | Comp.43 | Comp.44 | Comp.45 | Comp.46 | Comp.47 | Comp.48 | Comp.49 | Comp.50 | Comp.51 | Comp.52 | Comp.53 | Comp.54 | Comp.55 | Comp.56 | Comp.57 | Comp.58 | Comp.59 | Comp.60 | Comp.61 | Comp.62 | Comp.63 | Comp.64 | Comp.65 | Comp.66 | Comp.67 | Comp.68 | Comp.69 | Comp.70 | Comp.71 | Comp.72 | Comp.73 | Comp.74 | Comp.75 | Comp.76 | Comp.77 | Comp.78 | Comp.79 | Comp.80 | Comp.81 | Comp.82 | Comp.83 | Comp.84 | Comp.85 | Comp.86 | Comp.87 | Comp.88 | Comp.89 | Comp.90 | Comp.91 | Comp.92 | Comp.93 | Comp.94 | Comp.95 | Comp.96 | Comp.97 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| NonLiquid.Assets | 0.81 | 0.08 | 0.05 | -0.05 | -0.05 | 0.14 | 0.03 | 0.02 | 0.02 | 0.05 | -0.01 | 0.06 | 0.02 | 0.02 | 0.03 | 0.03 | 0.04 | 0.07 | 0.01 | 0.05 | 0.00 | -0.01 | -0.05 | 0.04 | 0.03 | -0.11 | -0.04 | 0.00 | 0.05 | 0.00 | 0.00 | 0.03 | -0.01 | 0.01 | -0.01 | 0.05 | 0.00 | 0.06 | 0.03 | -0.04 | 0.03 | 0.07 | -0.03 | -0.01 | -0.01 | -0.01 | -0.01 | 0.01 | -0.03 | -0.01 | -0.03 | 0.00 | -0.02 | 0.01 | -0.04 | 0.01 | 0.01 | 0.01 | 0.04 | 0.05 | -0.02 | -0.01 | 0.07 | 0.03 | 0.04 | 0.01 | 0.04 | 0.08 | -0.03 | -0.03 | 0.04 | -0.03 | -0.02 | 0.03 | 0.00 | 0.00 | 0.09 | 0.02 | -0.01 | -0.01 | 0.03 | 0.01 | 0.06 | 0.02 | 0.03 | -0.03 | -0.05 | 0.04 | 0.04 | -0.03 | 0.03 | 0.04 | -0.03 | -0.01 | 0.02 | 0.01 | -0.02 |
| Liquid.Assets | 0.79 | 0.02 | 0.04 | -0.04 | 0.00 | -0.02 | 0.06 | -0.01 | -0.02 | 0.11 | 0.01 | 0.09 | 0.03 | 0.12 | 0.08 | 0.14 | 0.01 | -0.02 | 0.08 | 0.06 | 0.00 | -0.02 | -0.03 | 0.13 | 0.04 | 0.02 | -0.02 | 0.01 | 0.04 | 0.03 | -0.01 | 0.09 | 0.10 | 0.01 | 0.03 | 0.05 | -0.02 | 0.01 | 0.08 | 0.05 | 0.01 | 0.06 | -0.05 | 0.01 | 0.03 | 0.00 | 0.02 | -0.02 | -0.02 | 0.06 | 0.01 | 0.00 | 0.01 | -0.02 | 0.03 | 0.05 | -0.02 | 0.04 | 0.04 | 0.06 | 0.04 | -0.05 | -0.04 | -0.01 | -0.01 | 0.04 | 0.07 | -0.03 | 0.02 | 0.01 | 0.02 | 0.00 | 0.01 | 0.04 | 0.01 | 0.08 | 0.00 | 0.03 | 0.02 | -0.02 | -0.02 | 0.00 | 0.00 | 0.04 | 0.01 | -0.03 | 0.06 | 0.04 | -0.01 | -0.09 | 0.06 | 0.00 | 0.06 | -0.03 | -0.01 | 0.00 | -0.01 |
| Annual.Income | 0.76 | 0.04 | 0.12 | -0.03 | 0.05 | 0.00 | 0.06 | 0.04 | -0.01 | 0.04 | 0.05 | 0.01 | 0.00 | 0.08 | -0.03 | -0.01 | 0.02 | -0.07 | 0.10 | 0.06 | 0.04 | -0.01 | 0.06 | 0.09 | -0.03 | 0.01 | -0.05 | 0.04 | 0.04 | 0.04 | 0.00 | 0.04 | 0.11 | 0.04 | -0.03 | -0.04 | 0.07 | 0.02 | -0.02 | 0.08 | 0.03 | 0.01 | 0.07 | 0.05 | -0.01 | 0.05 | 0.07 | -0.03 | -0.01 | -0.05 | 0.00 | 0.01 | 0.02 | -0.03 | -0.09 | 0.00 | 0.00 | 0.05 | 0.08 | 0.02 | 0.00 | 0.01 | 0.07 | -0.01 | 0.01 | 0.04 | -0.07 | -0.07 | 0.01 | -0.04 | -0.02 | 0.06 | -0.01 | 0.03 | -0.02 | 0.05 | 0.03 | -0.06 | 0.00 | -0.04 | -0.02 | 0.05 | 0.01 | 0.01 | 0.03 | -0.01 | -0.06 | 0.04 | -0.07 | -0.08 | 0.08 | -0.02 | 0.03 | -0.01 | 0.00 | -0.03 | 0.02 |
| Asset.Type5 | 0.64 | 0.13 | 0.15 | -0.01 | -0.04 | 0.20 | 0.01 | 0.06 | 0.02 | 0.03 | 0.02 | 0.02 | -0.04 | -0.06 | 0.10 | 0.06 | 0.04 | 0.18 | 0.04 | 0.08 | 0.09 | 0.05 | -0.01 | -0.03 | 0.06 | -0.17 | -0.02 | -0.07 | 0.14 | -0.01 | -0.03 | -0.06 | -0.04 | -0.04 | -0.05 | -0.05 | 0.01 | -0.01 | 0.04 | -0.05 | 0.01 | 0.03 | -0.05 | 0.02 | 0.01 | -0.08 | 0.11 | -0.01 | -0.01 | 0.03 | 0.00 | -0.03 | 0.05 | -0.01 | -0.01 | 0.05 | 0.05 | 0.09 | -0.01 | 0.04 | 0.05 | 0.04 | 0.11 | 0.00 | 0.00 | 0.01 | 0.04 | 0.04 | 0.07 | 0.01 | -0.01 | -0.07 | -0.01 | 0.03 | -0.01 | -0.06 | 0.02 | 0.07 | 0.03 | -0.02 | -0.03 | 0.00 | 0.07 | 0.04 | 0.01 | 0.04 | -0.07 | -0.09 | -0.04 | 0.10 | -0.02 | -0.01 | 0.06 | -0.08 | 0.04 | 0.00 | -0.04 |
| Percentage.Savings | 0.48 | 0.04 | 0.00 | -0.05 | -0.04 | -0.19 | 0.09 | -0.01 | -0.02 | -0.15 | 0.10 | 0.08 | 0.07 | 0.03 | 0.06 | 0.07 | -0.04 | -0.08 | -0.07 | 0.06 | 0.02 | 0.04 | -0.14 | 0.19 | -0.03 | 0.20 | 0.16 | 0.08 | -0.10 | -0.07 | -0.07 | 0.07 | 0.14 | 0.04 | 0.03 | -0.01 | -0.03 | 0.06 | 0.04 | 0.04 | -0.04 | -0.07 | 0.08 | -0.08 | 0.03 | 0.01 | 0.00 | 0.06 | 0.14 | 0.05 | -0.04 | 0.07 | 0.07 | 0.01 | 0.10 | 0.10 | -0.05 | -0.04 | -0.02 | -0.05 | 0.02 | 0.10 | -0.03 | 0.00 | 0.05 | -0.01 | 0.15 | -0.03 | 0.03 | -0.10 | 0.01 | 0.05 | 0.01 | 0.04 | 0.08 | -0.06 | -0.06 | -0.06 | 0.06 | 0.12 | -0.10 | -0.07 | -0.07 | -0.04 | -0.03 | 0.05 | -0.06 | -0.01 | 0.12 | 0.13 | -0.01 | 0.00 | -0.08 | -0.05 | -0.03 | 0.02 | 0.02 |
| Asset.Type2 | 0.42 | -0.01 | 0.05 | -0.07 | -0.07 | 0.01 | 0.10 | 0.06 | 0.01 | -0.06 | -0.08 | 0.12 | 0.11 | 0.06 | 0.14 | 0.06 | 0.06 | 0.05 | 0.04 | 0.16 | 0.01 | -0.01 | 0.07 | 0.18 | 0.04 | -0.08 | -0.01 | -0.03 | 0.04 | 0.05 | 0.04 | -0.13 | 0.10 | 0.16 | -0.01 | -0.15 | 0.14 | 0.01 | 0.05 | -0.01 | -0.07 | 0.09 | 0.00 | -0.07 | 0.11 | 0.10 | 0.04 | -0.08 | -0.06 | 0.10 | 0.03 | 0.01 | -0.12 | 0.01 | 0.14 | 0.00 | -0.06 | -0.02 | 0.19 | 0.00 | 0.01 | 0.07 | -0.06 | -0.06 | -0.08 | -0.06 | 0.15 | -0.10 | 0.10 | -0.01 | -0.03 | -0.02 | -0.03 | -0.07 | -0.01 | 0.10 | 0.13 | -0.07 | -0.02 | -0.03 | 0.05 | 0.05 | -0.02 | 0.10 | -0.04 | 0.01 | 0.15 | 0.04 | -0.05 | 0.01 | 0.01 | 0.08 | 0.07 | -0.04 | -0.05 | -0.04 | 0.02 |
| Savings9 | 0.41 | 0.05 | 0.01 | -0.04 | 0.02 | 0.03 | 0.04 | -0.07 | -0.03 | -0.09 | 0.08 | 0.10 | 0.07 | 0.09 | 0.06 | -0.01 | 0.12 | 0.26 | -0.07 | -0.07 | 0.01 | 0.09 | 0.20 | 0.11 | -0.05 | -0.09 | -0.03 | -0.06 | 0.02 | 0.08 | 0.01 | -0.09 | 0.15 | -0.17 | 0.11 | -0.10 | -0.02 | -0.08 | 0.10 | 0.01 | 0.03 | 0.01 | -0.03 | -0.06 | 0.07 | -0.05 | 0.05 | -0.07 | -0.16 | -0.07 | -0.03 | 0.08 | 0.00 | -0.08 | 0.07 | 0.01 | -0.10 | 0.02 | -0.04 | 0.03 | 0.09 | 0.02 | -0.09 | 0.01 | 0.08 | 0.09 | 0.04 | -0.14 | -0.14 | 0.06 | 0.10 | -0.07 | 0.09 | -0.11 | -0.02 | -0.07 | 0.04 | 0.00 | 0.12 | 0.05 | 0.03 | 0.01 | -0.11 | -0.08 | 0.06 | 0.00 | -0.02 | 0.04 | -0.10 | 0.06 | -0.07 | 0.01 | -0.04 | 0.09 | 0.09 | -0.01 | -0.06 |
| Gen.Own2 | 0.40 | 0.10 | 0.03 | -0.11 | 0.11 | 0.20 | -0.04 | 0.04 | -0.03 | 0.02 | 0.03 | 0.05 | 0.02 | 0.08 | 0.08 | 0.07 | 0.19 | 0.13 | 0.05 | 0.12 | 0.11 | 0.01 | 0.04 | -0.10 | -0.03 | -0.02 | 0.00 | -0.15 | 0.13 | 0.05 | 0.19 | 0.05 | -0.02 | 0.03 | -0.03 | 0.05 | 0.01 | 0.02 | 0.01 | 0.16 | 0.16 | 0.10 | 0.07 | 0.09 | 0.05 | 0.08 | 0.01 | 0.08 | 0.04 | 0.01 | -0.10 | 0.05 | -0.05 | -0.03 | -0.05 | 0.25 | 0.04 | -0.02 | -0.08 | 0.05 | -0.09 | 0.09 | -0.03 | 0.07 | 0.11 | -0.09 | 0.04 | 0.01 | 0.05 | 0.10 | 0.05 | 0.06 | 0.01 | -0.03 | -0.11 | -0.02 | 0.01 | -0.06 | -0.01 | -0.04 | 0.02 | 0.04 | -0.07 | 0.03 | 0.01 | -0.02 | 0.03 | 0.03 | 0.00 | 0.06 | 0.00 | 0.08 | -0.09 | 0.05 | 0.14 | 0.05 | -0.03 |
| Asset.Type4 | 0.37 | 0.21 | 0.09 | 0.02 | -0.03 | 0.03 | 0.01 | -0.02 | 0.03 | 0.04 | 0.08 | 0.11 | 0.01 | -0.04 | 0.02 | 0.12 | 0.09 | 0.03 | -0.08 | 0.20 | 0.06 | 0.13 | 0.03 | 0.06 | -0.04 | 0.00 | -0.02 | -0.11 | 0.09 | 0.04 | 0.18 | -0.13 | 0.05 | 0.05 | -0.05 | 0.10 | 0.08 | -0.05 | 0.04 | 0.03 | 0.11 | 0.03 | -0.01 | 0.10 | 0.10 | -0.11 | 0.00 | -0.01 | -0.06 | 0.13 | 0.02 | -0.03 | 0.05 | -0.04 | -0.04 | 0.12 | 0.04 | 0.08 | -0.13 | 0.09 | 0.02 | 0.08 | 0.01 | -0.08 | -0.06 | 0.01 | 0.11 | 0.03 | 0.03 | 0.11 | 0.17 | 0.02 | -0.06 | 0.16 | -0.05 | -0.08 | -0.03 | 0.08 | 0.00 | -0.11 | -0.11 | 0.11 | -0.02 | 0.04 | -0.01 | -0.02 | 0.04 | -0.10 | 0.00 | 0.11 | -0.06 | 0.01 | 0.04 | 0.03 | 0.08 | 0.09 | -0.01 |
| Age | 0.36 | 0.10 | -0.06 | 0.00 | -0.09 | 0.02 | -0.11 | 0.04 | -0.01 | -0.06 | 0.02 | 0.04 | -0.02 | 0.06 | -0.04 | -0.02 | 0.01 | -0.01 | -0.04 | -0.15 | -0.11 | -0.04 | 0.07 | 0.00 | -0.01 | -0.50 | -0.06 | 0.09 | 0.18 | -0.01 | -0.03 | -0.11 | -0.07 | -0.16 | 0.06 | 0.03 | 0.00 | -0.15 | -0.01 | 0.03 | -0.03 | 0.13 | -0.11 | 0.02 | -0.01 | 0.00 | 0.02 | -0.02 | -0.05 | -0.10 | -0.09 | 0.02 | 0.04 | -0.10 | -0.04 | -0.05 | 0.03 | -0.11 | 0.02 | -0.06 | -0.08 | -0.12 | 0.01 | 0.01 | 0.10 | 0.11 | 0.03 | -0.02 | -0.03 | -0.02 | -0.07 | -0.11 | -0.04 | -0.02 | 0.06 | -0.02 | 0.05 | 0.12 | 0.06 | -0.06 | -0.07 | -0.05 | -0.01 | -0.04 | 0.11 | 0.08 | -0.02 | -0.02 | -0.11 | 0.06 | -0.07 | -0.02 | -0.08 | 0.02 | 0.01 | 0.04 | 0.02 |
| Asset.Type6 | 0.35 | 0.10 | 0.00 | -0.01 | 0.03 | 0.11 | 0.01 | -0.06 | 0.09 | 0.19 | -0.01 | -0.05 | -0.03 | 0.00 | 0.13 | 0.14 | -0.08 | -0.04 | 0.05 | 0.02 | -0.03 | -0.12 | -0.09 | -0.02 | -0.01 | 0.10 | 0.01 | 0.08 | -0.01 | 0.06 | 0.16 | 0.15 | 0.07 | -0.02 | 0.02 | 0.07 | 0.07 | 0.01 | -0.02 | 0.09 | -0.03 | -0.07 | 0.10 | 0.03 | -0.10 | -0.02 | 0.20 | 0.04 | 0.01 | 0.03 | 0.02 | -0.04 | -0.17 | 0.02 | 0.12 | -0.02 | -0.06 | 0.20 | 0.08 | -0.04 | 0.14 | -0.03 | 0.02 | -0.02 | -0.04 | -0.07 | 0.00 | 0.14 | 0.04 | 0.02 | -0.14 | -0.06 | -0.08 | 0.06 | -0.02 | 0.10 | 0.05 | 0.00 | 0.10 | -0.03 | -0.06 | -0.17 | 0.06 | 0.05 | -0.06 | 0.05 | 0.06 | 0.07 | -0.01 | -0.11 | 0.06 | 0.04 | -0.10 | 0.04 | 0.00 | 0.07 | -0.03 |
| Asset.Type3 | 0.33 | 0.19 | 0.01 | 0.00 | -0.02 | 0.08 | 0.02 | -0.01 | 0.03 | 0.01 | 0.12 | 0.06 | 0.04 | 0.11 | 0.03 | 0.09 | 0.07 | -0.03 | 0.07 | -0.11 | 0.05 | 0.10 | -0.05 | 0.00 | 0.08 | -0.03 | -0.01 | -0.03 | 0.00 | 0.08 | -0.08 | 0.09 | 0.16 | -0.04 | -0.04 | 0.03 | 0.04 | 0.07 | 0.09 | -0.02 | -0.06 | 0.06 | -0.07 | 0.09 | -0.10 | -0.12 | 0.00 | 0.05 | -0.06 | 0.16 | 0.05 | -0.01 | -0.01 | -0.03 | 0.03 | -0.09 | -0.06 | -0.06 | -0.03 | 0.07 | 0.07 | 0.02 | -0.06 | 0.02 | 0.01 | 0.26 | 0.25 | 0.06 | -0.01 | 0.08 | -0.17 | -0.05 | -0.03 | 0.01 | -0.08 | 0.07 | 0.02 | 0.07 | 0.04 | 0.07 | -0.10 | -0.11 | -0.03 | -0.06 | 0.11 | 0.05 | 0.06 | 0.01 | 0.02 | 0.11 | -0.07 | -0.03 | 0.00 | -0.01 | 0.07 | 0.02 | 0.04 |
| Marital | 0.29 | 0.06 | 0.02 | -0.02 | 0.00 | 0.11 | 0.00 | 0.04 | 0.03 | 0.04 | 0.02 | 0.02 | -0.05 | 0.00 | -0.01 | -0.04 | -0.05 | -0.02 | 0.06 | 0.17 | -0.10 | -0.06 | 0.01 | 0.00 | -0.09 | -0.35 | -0.04 | -0.05 | 0.43 | -0.11 | -0.13 | 0.05 | -0.03 | -0.10 | 0.00 | 0.02 | -0.03 | -0.06 | -0.06 | 0.10 | -0.03 | 0.03 | -0.12 | 0.06 | -0.06 | 0.03 | -0.01 | 0.15 | -0.07 | -0.01 | 0.06 | -0.01 | -0.06 | 0.01 | -0.03 | 0.04 | 0.13 | -0.02 | 0.09 | -0.10 | -0.03 | -0.06 | -0.02 | 0.00 | -0.03 | 0.04 | -0.08 | 0.12 | 0.03 | 0.02 | 0.03 | -0.05 | 0.08 | 0.01 | 0.15 | 0.14 | -0.02 | 0.08 | 0.04 | -0.13 | -0.05 | 0.09 | 0.08 | -0.11 | 0.08 | 0.00 | 0.02 | 0.04 | 0.04 | 0.03 | -0.10 | 0.04 | -0.03 | 0.00 | -0.06 | -0.01 | -0.10 |
| Online.Purchase2 | 0.28 | 0.01 | 0.08 | -0.04 | 0.01 | 0.00 | 0.14 | -0.02 | 0.06 | 0.04 | 0.03 | 0.12 | 0.21 | 0.06 | 0.14 | 0.05 | 0.00 | 0.04 | 0.11 | 0.19 | 0.07 | -0.06 | 0.13 | 0.21 | 0.04 | 0.12 | -0.03 | 0.08 | 0.06 | -0.04 | 0.01 | -0.09 | -0.01 | 0.07 | 0.00 | -0.09 | 0.16 | 0.03 | 0.02 | 0.00 | 0.01 | 0.13 | 0.03 | 0.00 | -0.02 | 0.01 | -0.06 | -0.10 | -0.01 | 0.20 | -0.03 | 0.01 | -0.03 | 0.02 | -0.03 | 0.03 | -0.03 | 0.10 | 0.13 | 0.10 | 0.04 | -0.08 | 0.03 | -0.11 | -0.10 | 0.05 | 0.10 | -0.11 | 0.00 | -0.10 | -0.13 | 0.03 | 0.08 | 0.00 | 0.03 | 0.10 | 0.17 | 0.12 | 0.01 | -0.11 | 0.05 | 0.07 | 0.01 | 0.06 | -0.09 | -0.15 | 0.01 | 0.04 | -0.02 | 0.02 | 0.00 | 0.09 | 0.11 | -0.03 | 0.07 | 0.09 | 0.04 |
| L.H.Own2 | 0.28 | 0.19 | 0.03 | -0.08 | 0.07 | 0.04 | 0.03 | 0.08 | -0.03 | 0.07 | 0.08 | 0.01 | 0.01 | 0.04 | 0.02 | 0.02 | 0.11 | 0.10 | -0.06 | 0.04 | -0.02 | 0.01 | 0.13 | 0.14 | 0.00 | 0.01 | 0.00 | -0.09 | 0.05 | 0.07 | -0.03 | 0.04 | 0.17 | -0.02 | -0.15 | -0.02 | 0.06 | 0.03 | 0.02 | 0.18 | 0.05 | 0.28 | 0.02 | 0.09 | -0.10 | 0.15 | -0.07 | -0.06 | -0.03 | -0.11 | 0.07 | -0.09 | -0.01 | -0.16 | 0.10 | 0.08 | 0.10 | 0.02 | 0.05 | 0.09 | 0.02 | -0.04 | 0.02 | 0.15 | -0.02 | 0.01 | 0.10 | 0.02 | 0.02 | 0.07 | 0.07 | 0.09 | 0.07 | 0.08 | 0.00 | 0.17 | 0.02 | 0.04 | 0.00 | 0.12 | 0.02 | -0.05 | -0.11 | 0.12 | -0.02 | 0.11 | 0.09 | 0.03 | -0.02 | -0.04 | -0.03 | 0.08 | 0.06 | -0.10 | -0.06 | 0.03 | -0.02 |
| Digital.Purchase4 | 0.27 | 0.04 | 0.19 | -0.05 | -0.01 | 0.15 | -0.01 | 0.11 | 0.03 | 0.04 | -0.13 | 0.20 | 0.10 | -0.06 | 0.15 | 0.04 | 0.12 | 0.01 | 0.09 | 0.02 | 0.05 | -0.11 | 0.08 | -0.04 | 0.05 | -0.06 | -0.03 | 0.02 | 0.01 | 0.06 | 0.06 | -0.14 | 0.03 | 0.03 | 0.05 | -0.02 | 0.05 | -0.01 | -0.02 | 0.10 | 0.05 | -0.06 | -0.03 | 0.15 | 0.20 | 0.09 | -0.03 | -0.13 | 0.00 | 0.00 | -0.07 | 0.00 | -0.10 | -0.04 | -0.19 | -0.06 | 0.01 | 0.15 | -0.05 | 0.09 | -0.07 | -0.16 | 0.03 | 0.03 | 0.00 | -0.01 | 0.01 | 0.03 | -0.01 | 0.04 | 0.09 | -0.05 | 0.13 | 0.04 | 0.02 | 0.03 | -0.24 | 0.04 | 0.08 | 0.01 | 0.03 | -0.04 | 0.01 | -0.06 | 0.11 | -0.03 | -0.03 | -0.10 | 0.20 | -0.08 | -0.12 | 0.03 | 0.18 | 0.02 | -0.07 | -0.01 | -0.07 |
| Fin.Attitude6 | 0.25 | 0.05 | 0.00 | -0.05 | -0.06 | 0.01 | 0.08 | 0.05 | 0.11 | -0.04 | 0.07 | -0.08 | -0.12 | -0.05 | 0.06 | 0.05 | 0.00 | -0.04 | 0.07 | -0.07 | -0.06 | 0.04 | -0.05 | -0.01 | -0.01 | 0.04 | 0.00 | 0.03 | 0.28 | 0.01 | -0.10 | 0.04 | 0.08 | 0.06 | -0.01 | 0.05 | 0.10 | 0.06 | 0.18 | 0.16 | -0.01 | -0.09 | -0.03 | 0.01 | 0.09 | -0.05 | -0.08 | 0.01 | -0.04 | -0.13 | -0.21 | -0.04 | -0.02 | -0.02 | 0.06 | 0.08 | 0.08 | -0.05 | -0.05 | 0.14 | -0.01 | -0.07 | 0.11 | 0.09 | -0.07 | 0.00 | 0.04 | -0.01 | -0.12 | 0.15 | -0.04 | 0.14 | 0.06 | 0.09 | 0.03 | 0.08 | 0.08 | 0.00 | 0.14 | -0.09 | -0.23 | 0.10 | 0.03 | 0.19 | 0.02 | 0.13 | 0.11 | -0.05 | -0.06 | -0.03 | 0.03 | 0.03 | -0.06 | -0.08 | -0.01 | 0.06 | -0.08 |
| Media3 | 0.25 | 0.15 | 0.15 | -0.06 | -0.03 | 0.05 | 0.05 | 0.01 | 0.01 | 0.22 | -0.01 | 0.07 | 0.00 | 0.02 | -0.12 | -0.06 | 0.01 | 0.12 | 0.03 | -0.04 | 0.05 | -0.13 | 0.17 | -0.08 | 0.10 | 0.01 | -0.01 | 0.01 | -0.03 | 0.09 | 0.03 | 0.14 | -0.05 | 0.09 | 0.00 | 0.07 | -0.01 | -0.05 | -0.09 | -0.09 | -0.09 | -0.03 | -0.06 | -0.07 | 0.06 | 0.00 | -0.09 | 0.07 | -0.16 | 0.03 | -0.07 | 0.13 | 0.08 | 0.14 | -0.10 | -0.06 | -0.05 | 0.00 | -0.03 | 0.09 | 0.13 | -0.06 | -0.01 | -0.04 | -0.05 | 0.07 | 0.21 | 0.20 | -0.01 | -0.01 | 0.06 | -0.03 | -0.04 | 0.00 | 0.10 | -0.03 | 0.02 | -0.03 | -0.08 | 0.02 | -0.05 | -0.02 | -0.13 | 0.06 | -0.08 | 0.03 | 0.15 | 0.03 | 0.12 | 0.02 | -0.12 | 0.03 | 0.01 | -0.03 | 0.14 | -0.10 | 0.21 |
| Gen.Needs1 | 0.25 | 0.22 | 0.17 | -0.11 | 0.08 | 0.17 | -0.12 | 0.09 | -0.02 | 0.00 | -0.05 | -0.03 | 0.00 | 0.04 | 0.07 | -0.03 | 0.05 | 0.24 | -0.12 | 0.08 | 0.09 | 0.06 | 0.10 | 0.01 | -0.11 | -0.06 | -0.03 | -0.01 | 0.16 | 0.01 | 0.20 | -0.06 | -0.03 | 0.05 | -0.01 | 0.18 | -0.02 | -0.08 | 0.01 | 0.11 | 0.18 | -0.04 | 0.08 | 0.08 | 0.09 | 0.00 | -0.03 | 0.06 | 0.08 | -0.12 | -0.14 | 0.05 | -0.05 | -0.07 | -0.09 | 0.14 | 0.09 | 0.01 | -0.12 | -0.01 | 0.03 | 0.01 | 0.03 | 0.02 | 0.10 | -0.09 | 0.02 | 0.00 | 0.17 | -0.04 | 0.11 | 0.02 | -0.01 | 0.00 | -0.09 | 0.05 | 0.01 | 0.02 | 0.00 | -0.13 | 0.13 | -0.04 | -0.07 | -0.09 | 0.05 | -0.01 | -0.02 | 0.04 | 0.04 | 0.02 | -0.03 | -0.09 | -0.07 | 0.02 | 0.07 | 0.02 | -0.08 |
| Ins.wo.CB1 | 0.24 | 0.08 | -0.03 | 0.04 | 0.04 | 0.12 | 0.07 | 0.03 | -0.12 | 0.03 | 0.20 | 0.04 | -0.11 | -0.07 | 0.04 | -0.03 | 0.07 | -0.07 | 0.20 | 0.19 | 0.07 | 0.09 | 0.09 | -0.02 | 0.16 | 0.07 | -0.01 | -0.04 | 0.25 | 0.13 | 0.08 | -0.05 | 0.17 | 0.10 | 0.17 | -0.11 | -0.03 | 0.00 | 0.04 | 0.02 | 0.14 | 0.03 | -0.01 | 0.16 | -0.08 | 0.05 | 0.09 | 0.05 | -0.01 | 0.01 | -0.05 | -0.09 | -0.09 | 0.04 | 0.04 | 0.09 | -0.14 | 0.03 | 0.00 | -0.03 | 0.11 | 0.15 | 0.11 | -0.05 | -0.16 | 0.04 | -0.02 | -0.07 | 0.01 | 0.03 | -0.06 | -0.06 | -0.05 | -0.25 | 0.00 | -0.08 | -0.06 | 0.02 | -0.05 | -0.02 | 0.00 | 0.04 | -0.18 | -0.09 | 0.17 | 0.00 | 0.04 | -0.02 | 0.04 | -0.08 | 0.03 | 0.01 | 0.10 | 0.04 | 0.08 | -0.08 | 0.09 |
| L.H.Own5 | 0.24 | 0.17 | 0.02 | -0.02 | 0.00 | 0.05 | 0.03 | 0.24 | 0.11 | 0.02 | -0.03 | 0.05 | -0.11 | 0.06 | -0.01 | 0.04 | 0.15 | 0.21 | 0.02 | 0.16 | 0.01 | 0.05 | 0.13 | -0.04 | -0.03 | -0.01 | -0.02 | 0.01 | -0.05 | 0.04 | 0.04 | 0.01 | -0.03 | 0.05 | 0.02 | 0.01 | 0.02 | -0.09 | 0.24 | 0.07 | 0.02 | 0.33 | 0.05 | -0.07 | 0.07 | 0.04 | -0.11 | -0.07 | -0.04 | -0.04 | 0.09 | -0.01 | -0.12 | 0.10 | -0.04 | 0.06 | -0.06 | -0.07 | -0.05 | -0.05 | 0.06 | 0.03 | 0.03 | 0.18 | -0.08 | -0.02 | 0.08 | -0.02 | 0.07 | 0.09 | 0.03 | 0.00 | 0.11 | -0.02 | 0.01 | 0.07 | -0.05 | -0.06 | -0.02 | 0.17 | -0.06 | 0.00 | 0.09 | -0.11 | 0.02 | 0.05 | 0.02 | 0.03 | -0.06 | -0.12 | 0.06 | 0.05 | -0.10 | -0.08 | -0.13 | 0.06 | -0.01 |
| Gen.Lack2 | 0.24 | 0.12 | 0.12 | -0.08 | 0.16 | 0.11 | 0.03 | 0.14 | 0.05 | 0.03 | 0.18 | 0.09 | -0.09 | 0.01 | 0.15 | 0.01 | 0.03 | 0.08 | 0.00 | 0.22 | 0.05 | -0.04 | 0.14 | -0.15 | -0.01 | -0.09 | 0.00 | -0.08 | 0.03 | 0.07 | 0.18 | 0.03 | 0.02 | 0.11 | 0.27 | 0.19 | 0.03 | 0.03 | 0.02 | 0.15 | 0.16 | -0.05 | -0.01 | 0.05 | 0.03 | -0.04 | 0.07 | 0.07 | 0.00 | -0.03 | -0.06 | -0.03 | -0.07 | 0.07 | -0.03 | 0.28 | 0.06 | -0.08 | -0.05 | 0.11 | -0.15 | 0.04 | 0.02 | -0.03 | 0.08 | -0.02 | 0.07 | 0.01 | 0.04 | 0.08 | 0.09 | 0.02 | 0.02 | 0.02 | -0.05 | 0.02 | -0.01 | 0.01 | -0.05 | -0.03 | -0.02 | 0.08 | -0.10 | 0.03 | 0.00 | -0.03 | -0.06 | 0.05 | 0.02 | 0.09 | -0.07 | 0.02 | 0.00 | -0.01 | 0.03 | -0.03 | -0.14 |
| Media2 | 0.23 | -0.01 | 0.01 | -0.06 | 0.13 | 0.14 | -0.01 | 0.10 | -0.01 | 0.05 | -0.01 | -0.10 | 0.01 | 0.02 | 0.00 | 0.08 | 0.09 | 0.09 | 0.01 | 0.05 | 0.04 | -0.03 | 0.08 | 0.03 | 0.09 | -0.01 | -0.04 | 0.05 | 0.06 | 0.10 | 0.07 | 0.02 | -0.07 | 0.03 | 0.07 | 0.00 | 0.02 | 0.00 | 0.01 | 0.07 | 0.03 | 0.03 | -0.04 | -0.03 | 0.02 | 0.00 | 0.09 | 0.05 | -0.05 | 0.03 | 0.03 | -0.02 | 0.04 | 0.02 | 0.05 | 0.05 | 0.05 | 0.10 | 0.03 | -0.03 | -0.02 | 0.02 | 0.02 | -0.07 | 0.02 | -0.01 | 0.70 | -0.05 | 0.00 | -0.10 | 0.00 | -0.02 | -0.01 | 0.01 | -0.02 | 0.01 | 0.00 | 0.10 | -0.10 | 0.05 | 0.01 | -0.02 | 0.06 | 0.04 | 0.02 | 0.00 | -0.03 | 0.03 | -0.06 | -0.04 | 0.04 | 0.02 | 0.02 | -0.05 | 0.04 | -0.01 | 0.05 |
| Purc.Trig10 | 0.23 | 0.14 | 0.08 | -0.04 | 0.16 | -0.05 | 0.02 | -0.01 | -0.06 | 0.22 | 0.03 | 0.02 | -0.02 | 0.07 | 0.09 | 0.06 | 0.07 | -0.04 | -0.07 | -0.08 | -0.05 | -0.04 | 0.08 | -0.01 | 0.02 | 0.10 | -0.02 | 0.02 | -0.04 | 0.01 | -0.04 | -0.01 | 0.01 | 0.01 | 0.05 | 0.07 | 0.09 | -0.04 | 0.15 | 0.01 | -0.15 | -0.01 | -0.01 | 0.21 | -0.03 | 0.02 | 0.01 | 0.21 | 0.11 | 0.24 | -0.05 | 0.07 | -0.01 | -0.05 | -0.08 | -0.07 | 0.18 | -0.06 | -0.05 | 0.00 | 0.11 | -0.07 | 0.02 | -0.02 | 0.11 | 0.00 | 0.10 | 0.02 | 0.10 | 0.09 | 0.06 | -0.08 | -0.08 | -0.08 | -0.08 | -0.04 | -0.09 | 0.03 | 0.11 | -0.06 | -0.01 | -0.01 | -0.06 | 0.12 | -0.11 | 0.03 | 0.23 | 0.05 | -0.09 | 0.03 | -0.08 | 0.05 | -0.02 | 0.05 | 0.08 | 0.02 | 0.02 |
| Lifestyle11 | 0.22 | 0.13 | 0.07 | -0.01 | 0.02 | -0.01 | 0.02 | 0.11 | -0.01 | 0.02 | -0.03 | 0.03 | 0.04 | -0.02 | -0.03 | -0.08 | -0.05 | -0.02 | 0.07 | -0.08 | 0.03 | 0.09 | 0.02 | 0.00 | 0.01 | 0.21 | -0.01 | -0.02 | 0.05 | -0.01 | 0.01 | -0.05 | 0.03 | 0.01 | 0.05 | 0.00 | 0.03 | -0.04 | 0.00 | 0.06 | 0.03 | 0.05 | -0.01 | 0.02 | 0.08 | -0.03 | 0.01 | -0.02 | 0.04 | 0.05 | 0.01 | -0.06 | 0.04 | 0.03 | -0.01 | -0.03 | 0.03 | 0.02 | -0.05 | -0.04 | -0.02 | -0.06 | 0.01 | 0.14 | -0.03 | -0.07 | 0.01 | 0.10 | 0.03 | -0.08 | 0.03 | -0.07 | -0.02 | 0.02 | -0.05 | 0.02 | 0.65 | 0.10 | -0.01 | 0.01 | 0.00 | 0.02 | -0.03 | 0.03 | 0.05 | 0.00 | 0.04 | -0.01 | 0.02 | 0.06 | -0.06 | -0.01 | 0.10 | 0.02 | 0.08 | 0.04 | -0.06 |
| Online.Purchase9 | 0.22 | 0.16 | 0.08 | -0.01 | 0.06 | 0.00 | -0.04 | 0.13 | 0.06 | -0.03 | -0.12 | 0.03 | 0.04 | 0.02 | 0.20 | 0.02 | -0.01 | 0.16 | -0.08 | -0.04 | 0.15 | 0.10 | 0.02 | 0.15 | -0.03 | -0.08 | -0.05 | -0.06 | 0.06 | 0.07 | 0.03 | 0.03 | 0.06 | 0.15 | -0.09 | -0.17 | 0.28 | -0.05 | 0.16 | 0.06 | -0.03 | 0.06 | 0.02 | -0.03 | 0.07 | -0.03 | 0.04 | -0.03 | -0.03 | 0.02 | -0.03 | -0.02 | 0.12 | -0.01 | -0.11 | -0.06 | 0.06 | 0.10 | -0.05 | -0.13 | -0.06 | -0.01 | -0.10 | -0.01 | 0.11 | 0.06 | 0.06 | -0.14 | -0.07 | -0.19 | -0.03 | -0.03 | 0.02 | 0.10 | -0.07 | 0.00 | -0.03 | 0.09 | 0.01 | -0.04 | -0.07 | -0.05 | 0.08 | 0.08 | 0.01 | 0.01 | 0.06 | -0.02 | -0.02 | 0.08 | 0.03 | 0.08 | -0.01 | -0.01 | 0.00 | -0.03 | 0.07 |
| Savings6 | 0.21 | -0.04 | -0.01 | -0.05 | 0.08 | 0.10 | 0.03 | 0.09 | -0.13 | 0.08 | 0.02 | -0.01 | 0.05 | 0.06 | -0.05 | -0.02 | 0.04 | 0.00 | 0.07 | 0.37 | 0.06 | 0.01 | 0.02 | 0.13 | -0.01 | 0.06 | 0.13 | -0.11 | 0.35 | -0.06 | 0.03 | 0.12 | 0.01 | 0.13 | -0.04 | -0.05 | -0.06 | 0.01 | -0.03 | 0.06 | -0.05 | 0.03 | -0.06 | -0.05 | -0.03 | 0.16 | -0.17 | 0.05 | -0.01 | 0.17 | -0.05 | 0.02 | -0.10 | -0.04 | 0.03 | -0.03 | 0.06 | 0.10 | -0.14 | -0.04 | 0.04 | 0.03 | -0.12 | 0.02 | 0.03 | 0.02 | -0.05 | -0.03 | -0.04 | 0.02 | 0.10 | 0.02 | 0.02 | 0.00 | 0.01 | 0.11 | 0.21 | -0.11 | 0.07 | 0.04 | 0.00 | 0.05 | 0.04 | 0.05 | -0.04 | -0.04 | 0.02 | -0.03 | 0.04 | 0.06 | -0.02 | -0.01 | 0.02 | 0.01 | -0.03 | -0.06 | -0.04 |
| Media1 | 0.21 | 0.05 | 0.09 | -0.11 | 0.15 | 0.07 | -0.08 | 0.00 | 0.06 | 0.02 | 0.09 | -0.02 | -0.02 | -0.01 | -0.02 | 0.04 | 0.05 | 0.19 | 0.07 | 0.06 | -0.11 | -0.02 | 0.28 | 0.23 | -0.03 | -0.04 | -0.07 | 0.00 | 0.05 | 0.10 | 0.17 | -0.05 | 0.03 | 0.10 | -0.02 | -0.02 | 0.10 | -0.13 | -0.06 | 0.01 | 0.06 | 0.00 | 0.07 | -0.11 | -0.01 | -0.02 | -0.09 | -0.01 | -0.07 | -0.05 | -0.02 | -0.02 | 0.09 | -0.05 | 0.06 | 0.07 | 0.00 | 0.03 | -0.13 | 0.05 | 0.09 | -0.02 | -0.01 | -0.09 | 0.11 | 0.04 | 0.28 | 0.00 | 0.01 | -0.03 | 0.02 | -0.04 | 0.01 | -0.02 | -0.05 | -0.01 | 0.13 | -0.03 | -0.02 | -0.03 | 0.00 | 0.02 | 0.07 | 0.15 | 0.19 | -0.01 | 0.10 | -0.06 | 0.06 | -0.06 | 0.05 | 0.05 | -0.08 | 0.12 | -0.07 | -0.07 | 0.05 |
| Employer.Ins3 | 0.21 | 0.02 | 0.02 | -0.05 | 0.03 | 0.02 | -0.03 | 0.07 | -0.01 | 0.03 | 0.04 | 0.01 | 0.04 | 0.09 | -0.02 | 0.03 | 0.06 | 0.05 | 0.05 | 0.01 | -0.01 | 0.04 | 0.02 | -0.03 | 0.04 | 0.05 | -0.03 | -0.03 | -0.06 | 0.04 | 0.06 | 0.02 | 0.75 | -0.04 | -0.05 | 0.04 | 0.04 | 0.03 | -0.01 | -0.04 | 0.03 | 0.02 | 0.01 | -0.12 | 0.03 | 0.00 | 0.07 | -0.02 | -0.04 | 0.02 | 0.05 | -0.04 | 0.08 | 0.00 | -0.06 | -0.01 | -0.02 | 0.01 | -0.02 | 0.03 | 0.01 | 0.01 | -0.01 | 0.07 | 0.05 | 0.06 | -0.03 | 0.04 | -0.04 | 0.01 | 0.01 | 0.02 | -0.01 | 0.00 | 0.06 | 0.04 | 0.01 | -0.02 | 0.01 | 0.01 | -0.02 | -0.04 | 0.03 | 0.05 | 0.01 | 0.06 | 0.03 | 0.01 | -0.06 | -0.02 | 0.03 | 0.01 | -0.09 | -0.01 | 0.03 | 0.10 | 0.00 |
| Gender | 0.19 | -0.01 | 0.03 | 0.01 | 0.03 | 0.03 | -0.07 | -0.04 | 0.00 | -0.01 | -0.04 | -0.01 | 0.06 | -0.02 | -0.07 | -0.02 | 0.02 | 0.00 | 0.04 | 0.08 | 0.03 | 0.04 | 0.02 | -0.05 | 0.04 | -0.02 | -0.03 | 0.06 | -0.01 | -0.04 | 0.06 | 0.00 | 0.08 | -0.06 | 0.06 | 0.00 | -0.05 | 0.08 | 0.01 | 0.03 | -0.01 | 0.02 | 0.09 | 0.10 | -0.04 | 0.07 | 0.06 | -0.02 | -0.01 | 0.03 | -0.04 | 0.04 | 0.05 | 0.03 | 0.01 | 0.01 | -0.03 | 0.03 | -0.08 | 0.74 | 0.05 | 0.09 | 0.03 | 0.05 | -0.03 | 0.01 | -0.01 | 0.01 | 0.00 | 0.00 | -0.03 | 0.05 | 0.02 | 0.03 | 0.00 | -0.07 | -0.03 | 0.02 | 0.06 | 0.03 | 0.01 | -0.04 | -0.02 | 0.02 | -0.05 | -0.02 | 0.02 | -0.06 | -0.05 | 0.05 | -0.01 | 0.03 | -0.01 | 0.04 | 0.00 | 0.07 | -0.01 |
| Lifestyle4 | 0.19 | 0.10 | 0.03 | -0.03 | 0.10 | 0.08 | -0.03 | 0.11 | 0.05 | 0.10 | 0.04 | 0.10 | -0.03 | 0.13 | -0.02 | 0.02 | -0.07 | 0.04 | 0.12 | 0.12 | -0.01 | 0.06 | 0.02 | 0.06 | -0.12 | -0.01 | -0.04 | 0.07 | 0.28 | -0.02 | 0.00 | 0.09 | 0.13 | -0.03 | -0.09 | 0.06 | 0.10 | 0.00 | 0.07 | 0.21 | 0.13 | -0.01 | -0.03 | -0.05 | 0.03 | -0.01 | -0.10 | 0.03 | 0.07 | 0.07 | 0.18 | -0.05 | 0.03 | 0.04 | -0.02 | 0.11 | 0.09 | 0.02 | 0.03 | -0.02 | 0.10 | 0.12 | 0.03 | -0.05 | -0.02 | 0.12 | -0.16 | 0.01 | 0.00 | -0.09 | 0.10 | -0.03 | -0.03 | 0.06 | 0.05 | 0.15 | -0.03 | -0.01 | -0.06 | 0.09 | 0.13 | -0.12 | -0.08 | 0.08 | 0.11 | -0.14 | 0.03 | -0.10 | -0.13 | 0.06 | 0.10 | 0.03 | 0.10 | 0.04 | 0.15 | -0.15 | 0.04 |
| Dec.Making5 | 0.19 | 0.11 | 0.04 | -0.02 | 0.16 | 0.07 | -0.08 | 0.09 | 0.10 | -0.05 | 0.18 | 0.04 | -0.01 | -0.06 | 0.14 | 0.03 | 0.01 | 0.07 | 0.08 | -0.08 | 0.07 | 0.02 | -0.05 | 0.00 | 0.09 | 0.27 | -0.04 | -0.03 | 0.00 | 0.08 | -0.20 | 0.05 | 0.01 | -0.03 | 0.08 | -0.06 | 0.13 | 0.02 | 0.07 | 0.02 | -0.11 | -0.12 | 0.04 | -0.01 | -0.11 | -0.11 | -0.05 | -0.03 | 0.11 | 0.05 | 0.10 | 0.00 | 0.17 | 0.00 | 0.10 | 0.16 | 0.00 | 0.10 | 0.12 | 0.03 | 0.01 | 0.06 | -0.14 | 0.03 | -0.05 | 0.07 | 0.13 | -0.04 | 0.17 | 0.04 | 0.08 | -0.13 | 0.04 | 0.01 | 0.03 | -0.16 | 0.06 | 0.06 | -0.09 | 0.07 | 0.08 | 0.19 | -0.06 | -0.03 | 0.01 | -0.06 | -0.02 | 0.05 | 0.07 | 0.11 | 0.06 | 0.01 | 0.02 | -0.06 | -0.06 | 0.03 | 0.04 |
| Online.Purchase6 | 0.19 | 0.13 | 0.00 | -0.01 | 0.00 | 0.00 | 0.05 | 0.02 | 0.10 | -0.02 | 0.11 | 0.01 | 0.15 | 0.07 | 0.05 | -0.01 | -0.04 | 0.02 | 0.04 | 0.09 | 0.04 | -0.03 | 0.01 | 0.05 | 0.03 | 0.01 | 0.00 | 0.05 | 0.04 | 0.03 | -0.08 | 0.09 | 0.00 | 0.09 | -0.03 | 0.05 | 0.09 | -0.04 | 0.07 | 0.11 | 0.03 | 0.02 | 0.02 | -0.05 | 0.03 | -0.03 | -0.02 | -0.01 | 0.00 | 0.10 | -0.03 | -0.06 | 0.17 | 0.03 | -0.04 | -0.04 | 0.01 | 0.67 | -0.02 | 0.04 | -0.02 | -0.01 | 0.02 | 0.03 | 0.02 | 0.01 | 0.08 | -0.02 | 0.03 | 0.04 | -0.02 | -0.01 | -0.03 | -0.02 | -0.03 | 0.09 | 0.02 | 0.04 | -0.02 | 0.00 | 0.02 | 0.03 | -0.01 | -0.02 | -0.05 | -0.02 | -0.02 | 0.03 | -0.01 | -0.01 | 0.02 | -0.01 | 0.03 | -0.02 | 0.01 | -0.03 | -0.01 |
| Gen.Own5 | 0.19 | 0.09 | 0.09 | 0.04 | 0.00 | 0.72 | 0.10 | 0.03 | 0.04 | 0.12 | 0.00 | 0.03 | -0.01 | 0.03 | 0.07 | 0.08 | 0.02 | 0.02 | 0.03 | 0.13 | 0.06 | 0.00 | 0.06 | -0.01 | 0.01 | -0.03 | 0.00 | 0.03 | 0.10 | -0.03 | 0.06 | 0.04 | 0.06 | 0.02 | 0.01 | -0.02 | 0.03 | 0.00 | 0.04 | 0.04 | 0.01 | 0.07 | -0.03 | 0.08 | 0.03 | -0.03 | -0.03 | -0.02 | 0.01 | 0.02 | 0.08 | 0.06 | -0.01 | -0.04 | 0.05 | -0.07 | 0.03 | -0.02 | 0.04 | -0.03 | -0.02 | -0.02 | -0.01 | 0.11 | -0.05 | 0.00 | 0.03 | -0.02 | 0.01 | -0.01 | 0.01 | -0.01 | 0.01 | 0.07 | -0.01 | 0.01 | -0.05 | 0.06 | -0.06 | 0.02 | 0.05 | -0.09 | 0.00 | 0.05 | 0.03 | -0.02 | 0.04 | 0.01 | -0.03 | -0.01 | 0.01 | 0.01 | 0.02 | -0.07 | -0.02 | -0.03 | 0.00 |
| Lifestyle3 | 0.18 | 0.10 | 0.10 | -0.04 | -0.01 | 0.07 | 0.06 | -0.02 | -0.04 | 0.15 | 0.10 | 0.04 | 0.02 | 0.01 | -0.03 | 0.12 | -0.05 | 0.01 | 0.04 | 0.19 | 0.04 | 0.05 | -0.02 | -0.01 | 0.00 | 0.02 | -0.01 | -0.17 | 0.32 | -0.06 | 0.10 | 0.06 | -0.02 | -0.04 | -0.15 | -0.08 | -0.08 | 0.02 | 0.00 | -0.03 | -0.20 | -0.01 | -0.01 | 0.03 | -0.02 | 0.08 | -0.03 | -0.08 | -0.01 | 0.11 | 0.05 | -0.12 | -0.09 | 0.15 | -0.08 | -0.05 | 0.13 | 0.16 | -0.06 | -0.06 | 0.00 | 0.18 | 0.07 | 0.08 | -0.04 | 0.05 | 0.03 | 0.14 | 0.04 | 0.04 | 0.16 | -0.05 | 0.07 | 0.06 | -0.02 | 0.03 | 0.13 | 0.07 | 0.01 | 0.05 | -0.15 | 0.03 | -0.10 | -0.05 | 0.05 | -0.02 | 0.05 | 0.04 | -0.09 | 0.03 | 0.13 | 0.03 | -0.05 | -0.07 | 0.04 | -0.08 | -0.04 |
| Media14 | 0.18 | 0.09 | 0.00 | -0.09 | 0.00 | 0.06 | 0.03 | 0.11 | 0.01 | 0.00 | 0.05 | -0.02 | -0.04 | 0.01 | 0.04 | 0.06 | 0.01 | 0.50 | -0.07 | 0.02 | -0.04 | 0.01 | 0.06 | 0.10 | -0.02 | 0.10 | 0.02 | -0.05 | 0.02 | 0.05 | 0.10 | -0.14 | -0.04 | 0.26 | -0.20 | -0.14 | 0.07 | 0.01 | 0.11 | 0.02 | -0.07 | -0.04 | 0.07 | -0.07 | 0.07 | -0.03 | -0.03 | 0.06 | 0.00 | 0.11 | -0.02 | 0.03 | 0.02 | -0.03 | 0.09 | -0.04 | 0.04 | 0.02 | -0.07 | -0.09 | -0.08 | -0.15 | -0.05 | 0.01 | 0.02 | 0.06 | 0.05 | -0.07 | -0.03 | 0.10 | 0.15 | -0.04 | -0.07 | -0.01 | 0.03 | 0.02 | -0.10 | 0.02 | 0.04 | -0.04 | 0.10 | 0.08 | 0.08 | -0.02 | 0.11 | 0.06 | -0.03 | -0.01 | 0.00 | 0.07 | 0.01 | 0.00 | 0.06 | 0.00 | -0.06 | 0.05 | 0.01 |
| Purc.Trig12 | 0.18 | 0.10 | 0.10 | 0.08 | -0.03 | 0.15 | 0.04 | 0.21 | 0.05 | -0.09 | 0.10 | 0.04 | 0.05 | -0.09 | -0.09 | 0.01 | -0.07 | 0.02 | -0.07 | -0.06 | 0.03 | 0.03 | 0.14 | 0.01 | 0.03 | -0.04 | -0.02 | 0.02 | -0.03 | 0.05 | 0.12 | -0.13 | -0.11 | -0.03 | -0.07 | -0.03 | 0.14 | -0.17 | 0.06 | 0.04 | -0.08 | -0.01 | 0.19 | 0.07 | 0.18 | 0.04 | -0.09 | -0.08 | 0.09 | -0.03 | 0.04 | -0.10 | 0.04 | -0.02 | 0.14 | -0.10 | -0.22 | 0.02 | 0.10 | 0.01 | -0.09 | -0.05 | -0.08 | 0.10 | 0.14 | 0.15 | 0.05 | -0.01 | 0.00 | -0.04 | -0.05 | -0.13 | 0.08 | 0.02 | 0.01 | 0.05 | -0.12 | 0.09 | 0.00 | -0.03 | -0.07 | 0.06 | 0.01 | 0.05 | 0.08 | 0.09 | 0.04 | 0.09 | 0.04 | 0.07 | -0.03 | 0.00 | 0.09 | -0.11 | 0.03 | 0.08 | -0.06 |
| Online.Purchase8 | 0.17 | 0.07 | 0.15 | 0.12 | 0.20 | 0.10 | 0.09 | -0.02 | 0.14 | 0.00 | 0.05 | 0.04 | 0.01 | 0.01 | 0.10 | -0.07 | -0.05 | 0.06 | 0.13 | 0.07 | 0.04 | 0.07 | 0.11 | -0.06 | -0.01 | 0.10 | -0.04 | 0.09 | 0.00 | 0.01 | -0.05 | 0.02 | 0.10 | 0.04 | -0.10 | -0.03 | 0.02 | 0.01 | 0.02 | 0.04 | 0.05 | 0.00 | 0.22 | 0.04 | 0.02 | -0.04 | -0.01 | 0.01 | -0.04 | 0.25 | 0.00 | -0.06 | 0.16 | -0.01 | -0.08 | -0.12 | -0.13 | 0.10 | 0.09 | -0.08 | -0.10 | 0.00 | 0.02 | -0.08 | -0.05 | -0.11 | 0.04 | -0.12 | 0.19 | -0.11 | -0.04 | 0.07 | -0.10 | 0.00 | 0.12 | 0.15 | 0.04 | -0.05 | 0.14 | -0.09 | -0.03 | 0.09 | -0.05 | -0.03 | 0.00 | 0.02 | -0.03 | -0.15 | -0.08 | 0.06 | 0.15 | 0.08 | 0.00 | -0.02 | 0.05 | 0.05 | -0.01 |
| L.H.Needs6 | 0.17 | 0.26 | 0.01 | 0.05 | 0.03 | 0.05 | -0.06 | 0.12 | 0.02 | -0.06 | 0.02 | 0.02 | -0.01 | 0.04 | 0.00 | 0.04 | -0.08 | 0.11 | -0.09 | 0.10 | 0.02 | 0.04 | 0.14 | 0.09 | 0.00 | -0.05 | -0.02 | 0.07 | -0.01 | 0.03 | 0.14 | -0.04 | -0.07 | 0.15 | -0.19 | 0.04 | 0.12 | -0.12 | 0.15 | -0.03 | -0.04 | 0.09 | 0.09 | 0.03 | 0.05 | 0.13 | 0.05 | -0.10 | -0.02 | -0.01 | -0.18 | -0.02 | 0.17 | -0.05 | 0.04 | -0.04 | -0.05 | -0.03 | -0.02 | 0.15 | 0.13 | -0.03 | 0.00 | 0.02 | 0.05 | 0.02 | -0.09 | 0.14 | 0.10 | -0.13 | 0.08 | 0.00 | 0.06 | -0.05 | 0.06 | 0.13 | 0.11 | 0.02 | 0.05 | 0.02 | -0.01 | 0.06 | 0.01 | -0.12 | 0.07 | 0.09 | 0.01 | 0.01 | -0.11 | -0.02 | -0.02 | -0.07 | 0.04 | -0.02 | -0.14 | -0.24 | -0.13 |
| L.H.Needs9 | 0.17 | 0.37 | 0.08 | 0.03 | -0.05 | 0.04 | 0.05 | 0.12 | -0.04 | -0.05 | -0.01 | 0.05 | 0.03 | -0.01 | -0.06 | -0.05 | -0.07 | 0.21 | -0.04 | 0.12 | 0.03 | 0.11 | 0.16 | 0.08 | 0.02 | 0.03 | -0.02 | -0.05 | -0.03 | 0.14 | 0.11 | -0.08 | 0.00 | -0.02 | -0.02 | 0.09 | 0.01 | -0.09 | 0.08 | 0.08 | 0.10 | 0.07 | -0.05 | -0.01 | 0.04 | 0.03 | 0.00 | 0.02 | 0.03 | -0.19 | -0.05 | 0.04 | -0.14 | 0.03 | -0.05 | -0.08 | 0.00 | 0.05 | 0.09 | -0.06 | 0.10 | 0.02 | 0.05 | 0.03 | 0.01 | -0.05 | 0.04 | -0.04 | 0.09 | 0.04 | 0.05 | 0.01 | -0.05 | -0.05 | -0.05 | 0.04 | 0.06 | -0.04 | 0.21 | 0.05 | -0.06 | 0.01 | 0.01 | 0.11 | 0.05 | 0.15 | -0.12 | 0.13 | -0.03 | 0.01 | 0.10 | 0.07 | -0.01 | -0.05 | 0.02 | 0.18 | 0.10 |
| Lifestyle1 | 0.16 | -0.02 | 0.03 | -0.01 | -0.05 | -0.02 | 0.08 | -0.04 | 0.01 | 0.04 | 0.12 | -0.01 | -0.03 | -0.04 | -0.03 | 0.11 | -0.01 | -0.03 | 0.08 | 0.05 | 0.03 | -0.04 | 0.01 | -0.03 | 0.08 | 0.03 | -0.01 | 0.05 | 0.06 | -0.05 | -0.02 | 0.01 | 0.08 | 0.08 | 0.03 | 0.00 | -0.02 | -0.07 | 0.00 | -0.04 | -0.06 | -0.04 | -0.02 | 0.02 | 0.01 | 0.02 | 0.73 | -0.01 | 0.01 | 0.07 | 0.06 | -0.03 | -0.02 | 0.01 | -0.04 | 0.00 | -0.03 | -0.02 | 0.03 | 0.06 | 0.05 | 0.05 | 0.09 | -0.01 | 0.04 | 0.04 | 0.05 | 0.04 | -0.01 | 0.07 | 0.03 | 0.15 | -0.02 | -0.03 | 0.00 | 0.01 | 0.01 | 0.01 | -0.01 | 0.04 | 0.01 | 0.08 | -0.04 | 0.06 | 0.02 | -0.01 | 0.04 | 0.08 | 0.00 | -0.02 | 0.02 | 0.00 | -0.07 | 0.01 | -0.05 | 0.02 | -0.03 |
| Gen.Needs5 | 0.16 | 0.29 | -0.01 | -0.05 | 0.06 | 0.02 | 0.04 | 0.12 | 0.08 | 0.08 | 0.03 | -0.01 | 0.02 | 0.04 | 0.58 | 0.04 | 0.03 | 0.12 | -0.07 | 0.04 | 0.09 | 0.07 | 0.12 | 0.05 | 0.02 | -0.04 | -0.01 | 0.06 | 0.08 | 0.02 | 0.03 | 0.01 | -0.01 | 0.05 | 0.07 | 0.07 | 0.10 | -0.05 | 0.03 | -0.04 | -0.05 | 0.01 | 0.03 | -0.11 | 0.01 | 0.10 | 0.02 | -0.02 | 0.03 | -0.02 | 0.02 | -0.01 | 0.03 | 0.05 | 0.05 | 0.10 | 0.13 | 0.00 | 0.12 | -0.05 | -0.03 | 0.10 | 0.02 | -0.07 | 0.12 | 0.05 | 0.04 | 0.03 | -0.01 | -0.09 | 0.07 | -0.03 | -0.03 | 0.00 | -0.01 | 0.08 | 0.03 | 0.06 | 0.04 | 0.02 | 0.02 | -0.05 | 0.10 | 0.10 | -0.03 | 0.03 | 0.03 | 0.01 | 0.04 | 0.00 | 0.07 | 0.04 | 0.02 | 0.02 | 0.02 | 0.01 | -0.01 |
| Ins.Brands16 | 0.16 | 0.04 | 0.58 | -0.01 | 0.01 | 0.03 | 0.12 | 0.13 | -0.04 | 0.21 | 0.08 | 0.07 | -0.02 | -0.02 | 0.03 | 0.07 | 0.04 | 0.06 | 0.14 | -0.06 | 0.03 | 0.09 | -0.03 | -0.03 | 0.07 | -0.09 | 0.01 | -0.02 | -0.01 | 0.01 | 0.11 | 0.01 | -0.05 | -0.02 | -0.01 | 0.05 | 0.14 | -0.01 | -0.02 | 0.04 | 0.04 | 0.04 | 0.04 | -0.03 | -0.01 | 0.09 | 0.04 | -0.03 | -0.04 | 0.04 | 0.04 | 0.02 | 0.01 | 0.08 | 0.05 | 0.08 | -0.06 | -0.02 | 0.04 | 0.05 | 0.07 | -0.01 | -0.07 | -0.10 | -0.15 | 0.03 | 0.10 | 0.06 | 0.01 | -0.06 | 0.01 | -0.02 | -0.03 | 0.07 | 0.03 | 0.12 | -0.03 | -0.04 | 0.02 | 0.05 | -0.03 | -0.01 | -0.04 | -0.11 | 0.10 | 0.01 | -0.02 | -0.05 | 0.02 | 0.08 | -0.01 | -0.05 | 0.02 | 0.10 | 0.08 | 0.01 | -0.01 |
| Employer.Ins2 | 0.16 | 0.05 | 0.05 | -0.06 | 0.08 | 0.03 | 0.28 | 0.10 | 0.09 | 0.09 | 0.08 | 0.00 | 0.08 | 0.04 | 0.02 | 0.01 | 0.02 | -0.04 | 0.03 | 0.12 | 0.00 | 0.11 | 0.14 | -0.05 | 0.02 | 0.08 | 0.02 | -0.06 | 0.02 | -0.03 | -0.02 | 0.06 | 0.17 | 0.01 | -0.03 | -0.02 | 0.06 | 0.06 | -0.07 | 0.02 | 0.11 | 0.12 | 0.09 | 0.09 | 0.05 | -0.05 | -0.07 | -0.06 | 0.02 | 0.06 | -0.11 | 0.00 | -0.05 | 0.22 | 0.12 | 0.04 | 0.00 | 0.01 | 0.09 | -0.04 | 0.12 | 0.21 | 0.22 | -0.14 | -0.04 | -0.02 | 0.10 | 0.04 | 0.03 | 0.05 | -0.17 | -0.18 | -0.06 | -0.05 | -0.03 | -0.02 | 0.01 | -0.13 | -0.02 | 0.03 | 0.11 | 0.12 | -0.07 | -0.07 | -0.01 | 0.05 | 0.02 | 0.00 | 0.10 | 0.07 | -0.04 | 0.07 | 0.09 | -0.06 | 0.01 | -0.06 | -0.05 |
| InvIns.SalesChan4 | 0.16 | 0.06 | 0.15 | -0.01 | -0.03 | 0.02 | 0.09 | 0.03 | -0.02 | -0.10 | 0.01 | 0.05 | 0.02 | 0.08 | 0.05 | 0.64 | 0.04 | 0.08 | 0.07 | 0.07 | 0.00 | 0.07 | 0.05 | -0.04 | -0.04 | -0.06 | -0.01 | 0.11 | 0.02 | 0.16 | -0.04 | 0.04 | 0.05 | 0.01 | 0.07 | -0.03 | 0.02 | -0.07 | 0.00 | -0.09 | -0.12 | -0.08 | 0.05 | 0.00 | 0.03 | 0.07 | -0.06 | 0.01 | -0.03 | -0.04 | -0.04 | -0.03 | 0.09 | 0.03 | 0.02 | -0.01 | 0.06 | 0.05 | -0.12 | 0.00 | 0.10 | -0.02 | 0.13 | -0.01 | 0.00 | 0.04 | 0.03 | -0.01 | -0.13 | 0.00 | 0.00 | 0.07 | 0.00 | 0.11 | 0.02 | 0.04 | -0.04 | 0.08 | -0.02 | 0.01 | 0.00 | -0.04 | 0.06 | 0.11 | -0.06 | 0.02 | -0.09 | -0.07 | 0.09 | 0.01 | -0.02 | -0.04 | -0.06 | 0.02 | -0.02 | 0.04 | 0.00 |
| Gen.SalesChan3 | 0.16 | -0.02 | 0.02 | -0.02 | -0.07 | 0.03 | 0.11 | 0.01 | 0.08 | 0.02 | 0.02 | 0.76 | -0.04 | 0.04 | 0.01 | 0.08 | -0.04 | 0.00 | 0.09 | 0.03 | 0.04 | 0.00 | 0.05 | 0.01 | -0.08 | -0.07 | -0.01 | 0.02 | 0.01 | 0.02 | 0.01 | 0.01 | 0.05 | 0.04 | 0.04 | -0.07 | 0.09 | -0.05 | 0.02 | -0.06 | 0.00 | -0.01 | -0.07 | 0.01 | 0.04 | 0.07 | 0.08 | 0.04 | 0.00 | 0.04 | -0.02 | -0.04 | 0.02 | 0.05 | -0.02 | 0.04 | 0.07 | 0.04 | 0.01 | 0.05 | 0.00 | 0.00 | 0.00 | -0.04 | 0.07 | 0.02 | -0.01 | 0.03 | -0.01 | -0.01 | -0.01 | 0.08 | 0.02 | 0.01 | -0.02 | 0.03 | -0.04 | 0.07 | 0.00 | 0.03 | 0.00 | -0.05 | -0.02 | 0.02 | -0.01 | -0.02 | 0.00 | -0.08 | -0.03 | -0.12 | 0.05 | 0.01 | 0.07 | -0.01 | 0.00 | -0.01 | -0.04 |
| InsChoice.Driver8 | 0.16 | 0.09 | -0.03 | 0.18 | -0.08 | -0.11 | 0.23 | 0.04 | -0.03 | -0.06 | -0.01 | -0.09 | 0.00 | -0.05 | 0.04 | 0.04 | 0.02 | 0.13 | 0.03 | 0.12 | 0.11 | -0.03 | 0.09 | 0.03 | 0.15 | 0.00 | -0.07 | 0.04 | -0.01 | 0.00 | 0.01 | -0.02 | -0.01 | 0.01 | -0.21 | 0.00 | 0.08 | -0.03 | 0.00 | -0.01 | -0.03 | -0.19 | 0.12 | -0.02 | 0.06 | 0.02 | -0.03 | -0.08 | -0.09 | 0.08 | -0.10 | 0.07 | -0.08 | -0.14 | -0.03 | 0.02 | -0.12 | 0.05 | -0.16 | 0.14 | -0.05 | -0.03 | -0.10 | -0.19 | 0.10 | 0.06 | 0.09 | -0.10 | -0.10 | 0.07 | 0.04 | -0.04 | -0.09 | -0.10 | -0.08 | -0.04 | 0.02 | 0.06 | 0.00 | 0.14 | -0.03 | -0.19 | -0.04 | 0.03 | 0.03 | 0.14 | 0.08 | 0.18 | 0.00 | 0.03 | -0.09 | 0.10 | -0.13 | -0.03 | -0.05 | 0.03 | -0.06 |
| L.H.Needs3 | 0.15 | 0.49 | 0.09 | 0.01 | 0.08 | 0.03 | -0.15 | 0.14 | 0.09 | 0.00 | 0.03 | 0.12 | 0.01 | -0.02 | -0.09 | -0.02 | -0.01 | 0.12 | -0.07 | -0.01 | 0.07 | 0.02 | 0.21 | 0.19 | 0.02 | -0.13 | -0.02 | -0.05 | -0.03 | 0.07 | -0.08 | -0.04 | -0.04 | 0.05 | 0.00 | 0.05 | 0.06 | -0.02 | 0.10 | 0.12 | 0.04 | 0.02 | -0.08 | 0.12 | -0.01 | 0.06 | 0.05 | -0.09 | -0.02 | -0.09 | 0.00 | -0.09 | 0.01 | -0.02 | 0.00 | -0.04 | 0.07 | 0.06 | -0.04 | 0.02 | 0.11 | 0.01 | 0.04 | 0.08 | 0.03 | -0.02 | 0.02 | 0.01 | 0.06 | -0.09 | 0.04 | -0.04 | -0.09 | -0.04 | 0.07 | 0.10 | 0.01 | -0.13 | -0.11 | 0.03 | 0.05 | -0.10 | -0.01 | -0.05 | -0.02 | 0.04 | 0.00 | -0.01 | 0.07 | 0.04 | 0.08 | 0.06 | 0.03 | 0.00 | -0.06 | 0.02 | -0.03 |
| L.H.Own4 | 0.15 | 0.19 | 0.02 | 0.09 | 0.14 | 0.16 | -0.04 | 0.11 | 0.06 | -0.02 | -0.05 | 0.00 | 0.03 | 0.04 | -0.02 | 0.04 | 0.15 | 0.08 | 0.01 | 0.11 | 0.08 | 0.03 | 0.13 | 0.00 | 0.04 | 0.03 | -0.01 | -0.04 | 0.12 | 0.05 | 0.04 | 0.04 | 0.02 | 0.13 | -0.07 | 0.01 | 0.07 | -0.07 | 0.13 | 0.02 | 0.06 | 0.49 | -0.05 | -0.01 | 0.06 | 0.13 | 0.02 | -0.05 | 0.03 | -0.05 | 0.02 | -0.10 | 0.08 | -0.02 | 0.06 | 0.02 | 0.10 | 0.00 | 0.00 | 0.05 | -0.01 | 0.04 | 0.00 | 0.01 | -0.08 | 0.02 | 0.11 | 0.03 | 0.02 | 0.01 | 0.02 | -0.31 | 0.09 | -0.04 | 0.10 | 0.02 | 0.04 | -0.01 | 0.06 | -0.02 | -0.12 | 0.02 | 0.02 | -0.01 | 0.04 | -0.02 | -0.02 | 0.00 | -0.08 | -0.04 | -0.02 | 0.08 | 0.02 | -0.07 | 0.02 | -0.06 | -0.09 |
| Employer.Ins1 | 0.15 | 0.17 | -0.02 | -0.06 | 0.08 | -0.02 | 0.09 | 0.02 | 0.03 | 0.10 | 0.11 | -0.05 | -0.05 | -0.04 | 0.10 | 0.07 | 0.04 | -0.01 | 0.13 | 0.02 | -0.02 | -0.16 | 0.07 | -0.02 | 0.11 | -0.06 | -0.02 | -0.07 | 0.07 | -0.10 | 0.15 | 0.02 | 0.10 | 0.09 | -0.04 | 0.07 | 0.04 | -0.03 | 0.11 | 0.02 | -0.04 | 0.11 | -0.07 | 0.05 | 0.08 | 0.07 | 0.09 | 0.04 | 0.14 | -0.05 | -0.05 | -0.04 | -0.14 | 0.20 | 0.22 | 0.00 | 0.03 | 0.05 | 0.06 | 0.13 | 0.01 | 0.09 | -0.03 | -0.18 | -0.16 | -0.10 | -0.02 | -0.11 | -0.04 | 0.13 | -0.16 | 0.00 | -0.09 | 0.03 | -0.06 | 0.07 | 0.01 | 0.07 | -0.07 | 0.11 | 0.23 | 0.05 | -0.01 | 0.06 | 0.01 | -0.09 | -0.01 | 0.00 | 0.09 | 0.11 | -0.01 | 0.03 | 0.06 | -0.15 | -0.03 | -0.01 | -0.09 |
| Gen.Res6 | 0.15 | -0.02 | 0.07 | -0.05 | -0.08 | 0.17 | 0.10 | -0.01 | 0.22 | 0.01 | 0.00 | 0.19 | 0.25 | 0.28 | 0.06 | 0.09 | 0.00 | 0.06 | 0.03 | -0.04 | 0.04 | 0.08 | 0.02 | 0.13 | -0.05 | 0.03 | 0.01 | -0.14 | -0.01 | 0.01 | -0.05 | 0.01 | 0.07 | -0.07 | 0.02 | -0.06 | 0.14 | -0.10 | -0.02 | 0.00 | 0.06 | 0.00 | 0.11 | 0.11 | 0.07 | 0.05 | 0.00 | -0.14 | -0.06 | 0.05 | -0.07 | 0.07 | 0.07 | -0.03 | 0.12 | 0.03 | -0.06 | 0.03 | -0.06 | -0.01 | 0.06 | -0.14 | 0.03 | 0.15 | -0.06 | -0.13 | -0.10 | -0.15 | 0.08 | 0.10 | -0.18 | 0.01 | 0.06 | 0.16 | 0.00 | 0.05 | -0.04 | 0.02 | -0.13 | -0.06 | -0.01 | -0.04 | 0.15 | 0.03 | 0.10 | 0.00 | -0.01 | 0.03 | 0.14 | 0.06 | -0.01 | 0.04 | 0.00 | -0.04 | -0.04 | 0.05 | -0.01 |
| Children | 0.14 | 0.00 | 0.02 | -0.07 | -0.03 | 0.09 | 0.01 | 0.00 | -0.01 | 0.00 | 0.04 | 0.04 | -0.02 | -0.04 | 0.02 | -0.03 | 0.06 | -0.06 | 0.01 | 0.11 | -0.03 | 0.04 | 0.01 | 0.01 | 0.02 | 0.00 | 0.00 | 0.06 | 0.75 | 0.01 | 0.05 | -0.02 | -0.09 | 0.02 | 0.07 | 0.07 | 0.06 | 0.01 | -0.04 | 0.01 | 0.04 | 0.08 | 0.00 | -0.04 | -0.04 | -0.02 | 0.05 | -0.05 | 0.01 | -0.01 | -0.02 | 0.09 | -0.02 | 0.01 | 0.01 | -0.07 | 0.00 | 0.02 | 0.00 | 0.02 | -0.02 | 0.01 | 0.00 | 0.01 | -0.02 | 0.00 | 0.06 | 0.03 | 0.01 | -0.11 | -0.01 | -0.06 | -0.04 | -0.01 | -0.03 | 0.00 | 0.02 | -0.03 | 0.02 | 0.05 | -0.01 | 0.01 | 0.04 | 0.01 | -0.01 | 0.05 | -0.04 | 0.05 | -0.06 | -0.02 | 0.02 | 0.00 | 0.01 | -0.01 | -0.04 | 0.00 | 0.03 |
| Savings4 | 0.14 | 0.00 | -0.01 | 0.00 | 0.04 | 0.14 | 0.05 | 0.09 | -0.03 | 0.14 | 0.15 | -0.02 | -0.08 | 0.00 | -0.01 | 0.08 | 0.04 | 0.00 | 0.14 | -0.03 | -0.06 | 0.07 | 0.02 | 0.14 | 0.10 | 0.13 | 0.19 | -0.03 | -0.03 | 0.03 | 0.03 | -0.08 | 0.23 | -0.13 | 0.15 | -0.01 | 0.01 | 0.02 | -0.02 | 0.02 | -0.03 | 0.03 | -0.16 | -0.02 | 0.18 | 0.04 | 0.11 | 0.01 | -0.03 | -0.10 | -0.04 | 0.03 | -0.17 | 0.06 | -0.08 | -0.07 | 0.04 | 0.21 | -0.05 | 0.07 | 0.05 | 0.15 | -0.13 | 0.07 | 0.11 | -0.17 | 0.15 | 0.05 | 0.06 | -0.07 | -0.02 | 0.03 | 0.00 | -0.06 | -0.02 | -0.04 | 0.17 | 0.01 | -0.03 | 0.02 | -0.06 | 0.03 | 0.15 | 0.15 | -0.06 | -0.13 | 0.02 | -0.02 | -0.13 | -0.01 | -0.05 | -0.04 | -0.01 | -0.02 | -0.03 | 0.00 | 0.01 |
| Savings7 | 0.14 | -0.05 | 0.05 | 0.03 | -0.05 | -0.03 | 0.08 | 0.05 | -0.01 | -0.04 | -0.07 | 0.08 | 0.04 | 0.05 | 0.03 | 0.02 | -0.01 | 0.04 | 0.00 | -0.02 | -0.05 | 0.00 | -0.03 | 0.11 | 0.04 | 0.04 | -0.01 | -0.05 | -0.07 | 0.08 | 0.10 | 0.04 | 0.01 | -0.01 | -0.03 | 0.02 | 0.06 | 0.05 | 0.16 | 0.01 | 0.00 | 0.04 | -0.03 | -0.03 | 0.01 | -0.02 | 0.00 | -0.04 | 0.00 | -0.01 | 0.01 | -0.05 | 0.05 | 0.06 | -0.01 | 0.70 | 0.02 | -0.04 | 0.04 | 0.00 | 0.12 | 0.02 | 0.00 | 0.02 | -0.09 | 0.00 | 0.04 | -0.04 | 0.03 | -0.01 | -0.06 | 0.03 | 0.02 | -0.02 | -0.03 | 0.05 | -0.02 | 0.07 | -0.06 | 0.06 | 0.01 | -0.04 | 0.07 | 0.02 | -0.01 | -0.04 | -0.01 | 0.01 | -0.04 | 0.12 | 0.00 | 0.02 | 0.03 | -0.05 | -0.02 | -0.06 | 0.00 |
| Savings11 | 0.14 | 0.02 | 0.03 | -0.03 | -0.05 | -0.07 | -0.02 | 0.00 | 0.04 | -0.02 | 0.04 | -0.02 | 0.12 | 0.08 | 0.11 | 0.03 | 0.07 | 0.03 | 0.08 | 0.05 | 0.05 | 0.03 | -0.03 | 0.06 | 0.00 | 0.04 | -0.01 | 0.02 | -0.05 | -0.03 | 0.03 | 0.04 | -0.03 | 0.02 | 0.03 | -0.01 | 0.06 | -0.01 | 0.69 | 0.07 | 0.02 | 0.08 | 0.00 | -0.05 | -0.05 | 0.03 | 0.00 | -0.05 | 0.00 | 0.00 | -0.03 | 0.00 | 0.08 | 0.08 | -0.03 | 0.16 | 0.03 | 0.07 | 0.05 | 0.01 | -0.09 | -0.07 | 0.01 | 0.03 | 0.06 | 0.07 | 0.00 | -0.07 | -0.03 | 0.05 | 0.00 | -0.04 | 0.01 | 0.08 | 0.05 | 0.02 | 0.00 | 0.08 | -0.01 | -0.03 | 0.09 | -0.04 | -0.02 | 0.02 | 0.01 | -0.07 | 0.02 | 0.01 | 0.05 | -0.05 | -0.05 | 0.00 | 0.04 | 0.06 | 0.00 | -0.03 | 0.01 |
| Media4 | 0.14 | 0.12 | 0.12 | 0.02 | -0.03 | 0.07 | -0.04 | 0.12 | -0.04 | 0.06 | 0.00 | 0.10 | 0.12 | 0.25 | 0.09 | 0.03 | -0.02 | 0.22 | -0.08 | 0.01 | 0.04 | 0.03 | 0.10 | 0.03 | -0.03 | -0.11 | -0.04 | 0.07 | 0.12 | -0.02 | 0.04 | -0.04 | 0.05 | 0.10 | -0.01 | -0.09 | 0.01 | 0.00 | -0.01 | 0.08 | 0.01 | 0.07 | 0.03 | -0.12 | 0.08 | 0.01 | 0.05 | 0.06 | -0.09 | 0.10 | -0.05 | -0.01 | 0.10 | 0.05 | 0.05 | 0.03 | -0.19 | 0.10 | -0.01 | -0.04 | 0.02 | 0.17 | -0.06 | 0.13 | 0.12 | 0.08 | 0.07 | 0.06 | 0.16 | -0.03 | -0.07 | 0.07 | 0.03 | 0.13 | -0.04 | -0.03 | -0.06 | 0.08 | 0.04 | -0.05 | 0.03 | 0.01 | 0.10 | 0.05 | 0.15 | 0.04 | 0.02 | -0.02 | 0.13 | 0.01 | 0.04 | -0.10 | -0.01 | 0.15 | 0.01 | -0.05 | -0.03 |
| Ins.Brands13 | 0.14 | 0.10 | 0.69 | -0.01 | 0.06 | 0.05 | -0.02 | 0.03 | 0.06 | 0.23 | -0.03 | 0.07 | 0.01 | -0.01 | -0.01 | 0.06 | 0.02 | 0.04 | -0.03 | 0.08 | 0.02 | 0.08 | 0.03 | -0.04 | -0.01 | 0.02 | 0.00 | 0.02 | -0.01 | 0.07 | -0.05 | -0.05 | 0.07 | 0.08 | 0.01 | 0.01 | 0.00 | -0.07 | -0.03 | -0.04 | -0.05 | 0.03 | 0.05 | -0.04 | 0.04 | -0.04 | 0.00 | 0.05 | -0.04 | -0.02 | -0.04 | -0.01 | 0.06 | -0.04 | -0.05 | -0.03 | 0.04 | -0.01 | -0.06 | -0.02 | -0.06 | 0.01 | 0.01 | 0.02 | 0.06 | 0.02 | -0.12 | -0.05 | 0.02 | 0.05 | 0.00 | -0.05 | -0.02 | -0.03 | -0.03 | 0.01 | 0.13 | -0.03 | 0.02 | 0.06 | 0.07 | -0.02 | -0.01 | -0.01 | -0.03 | -0.01 | -0.04 | 0.05 | 0.03 | 0.04 | -0.07 | 0.01 | -0.01 | -0.03 | -0.07 | -0.12 | 0.08 |
| Purc.Trig3 | 0.14 | 0.06 | 0.09 | -0.03 | 0.04 | 0.08 | 0.10 | 0.06 | 0.03 | -0.04 | -0.01 | 0.03 | 0.04 | -0.03 | -0.03 | 0.04 | 0.06 | -0.03 | 0.05 | 0.76 | 0.01 | 0.02 | 0.01 | -0.02 | 0.06 | -0.01 | 0.00 | 0.01 | 0.01 | 0.05 | -0.03 | 0.01 | -0.05 | 0.01 | 0.08 | 0.04 | 0.04 | -0.02 | 0.03 | 0.01 | 0.08 | 0.00 | 0.01 | -0.01 | 0.00 | 0.02 | 0.05 | 0.04 | 0.01 | 0.00 | 0.01 | -0.04 | 0.07 | -0.03 | 0.01 | 0.01 | 0.00 | 0.02 | 0.06 | 0.06 | 0.03 | 0.06 | 0.08 | -0.04 | -0.02 | -0.03 | 0.07 | -0.04 | -0.03 | -0.03 | 0.01 | 0.02 | -0.01 | 0.00 | 0.00 | -0.01 | -0.03 | -0.02 | 0.04 | 0.05 | 0.05 | 0.02 | 0.13 | -0.01 | -0.02 | 0.01 | -0.03 | 0.05 | 0.00 | 0.00 | -0.01 | 0.00 | 0.05 | -0.01 | 0.01 | -0.04 | -0.02 |
| L.H.Lack1 | 0.14 | 0.06 | 0.04 | -0.02 | 0.23 | 0.09 | -0.03 | -0.04 | -0.01 | 0.09 | 0.09 | 0.10 | 0.03 | -0.02 | 0.09 | 0.05 | 0.01 | -0.03 | 0.09 | 0.02 | 0.08 | 0.01 | 0.14 | -0.08 | 0.01 | -0.03 | -0.01 | 0.13 | 0.02 | 0.08 | 0.06 | -0.05 | 0.02 | -0.03 | 0.07 | 0.01 | 0.05 | 0.09 | 0.00 | 0.07 | 0.07 | 0.03 | 0.03 | 0.01 | -0.06 | 0.01 | 0.10 | -0.04 | 0.00 | 0.05 | 0.01 | -0.04 | 0.04 | 0.03 | -0.02 | 0.01 | -0.02 | -0.02 | 0.04 | 0.06 | -0.09 | 0.05 | 0.12 | 0.05 | 0.04 | 0.00 | 0.04 | 0.03 | 0.07 | -0.03 | 0.01 | -0.04 | -0.03 | -0.04 | -0.05 | 0.08 | 0.03 | -0.03 | 0.00 | 0.05 | 0.14 | 0.03 | -0.03 | 0.62 | 0.00 | -0.01 | -0.03 | 0.09 | 0.04 | 0.03 | -0.04 | 0.03 | 0.06 | -0.01 | -0.04 | 0.12 | 0.05 |
| Ins.Service6 | 0.13 | 0.03 | 0.03 | -0.04 | 0.03 | 0.06 | -0.06 | -0.03 | 0.04 | 0.06 | 0.06 | 0.04 | -0.02 | 0.01 | -0.07 | 0.11 | -0.01 | 0.04 | 0.00 | -0.08 | -0.01 | -0.05 | 0.02 | 0.05 | 0.09 | -0.07 | -0.01 | 0.07 | 0.03 | 0.08 | 0.03 | 0.06 | 0.03 | 0.10 | 0.04 | -0.10 | 0.11 | 0.73 | -0.02 | 0.04 | 0.08 | -0.02 | 0.01 | 0.10 | 0.05 | 0.00 | -0.05 | 0.07 | 0.06 | -0.01 | -0.01 | -0.05 | -0.02 | 0.03 | 0.02 | 0.05 | 0.02 | -0.05 | -0.06 | 0.07 | 0.01 | 0.09 | 0.02 | -0.03 | 0.01 | 0.00 | 0.02 | 0.04 | 0.02 | 0.07 | -0.03 | -0.06 | 0.05 | 0.01 | 0.05 | 0.06 | 0.01 | 0.03 | -0.10 | -0.01 | 0.00 | -0.03 | -0.04 | 0.05 | 0.01 | 0.05 | -0.05 | -0.04 | -0.02 | -0.02 | 0.08 | -0.01 | -0.04 | 0.00 | 0.01 | 0.02 | 0.01 |
| L.H.Res2 | 0.13 | 0.09 | 0.07 | 0.01 | 0.14 | 0.02 | 0.46 | -0.13 | 0.03 | 0.21 | 0.12 | 0.20 | 0.05 | 0.09 | 0.10 | 0.05 | 0.03 | -0.12 | 0.11 | 0.07 | -0.04 | 0.06 | 0.01 | 0.01 | 0.11 | 0.09 | -0.02 | -0.01 | -0.01 | 0.14 | -0.01 | 0.00 | -0.08 | 0.08 | 0.07 | 0.11 | 0.03 | 0.07 | -0.09 | 0.15 | 0.04 | -0.08 | -0.02 | 0.11 | -0.02 | -0.04 | -0.01 | 0.00 | -0.04 | 0.13 | 0.21 | -0.03 | 0.10 | 0.09 | 0.00 | 0.06 | -0.13 | -0.06 | 0.08 | 0.00 | 0.11 | -0.04 | 0.01 | 0.09 | -0.07 | 0.01 | 0.00 | 0.03 | -0.03 | -0.05 | 0.02 | 0.01 | -0.06 | -0.11 | -0.01 | 0.11 | 0.07 | -0.02 | 0.00 | -0.07 | -0.05 | -0.01 | 0.11 | -0.05 | -0.01 | -0.10 | 0.06 | -0.04 | 0.03 | -0.09 | 0.00 | 0.02 | 0.05 | 0.03 | -0.04 | 0.03 | 0.08 |
| Savings1 | 0.12 | 0.11 | 0.03 | -0.08 | 0.10 | 0.02 | -0.01 | 0.21 | 0.03 | -0.09 | 0.01 | -0.02 | 0.06 | -0.01 | -0.12 | 0.04 | 0.02 | 0.13 | -0.10 | 0.13 | 0.04 | -0.04 | 0.12 | 0.22 | -0.10 | -0.08 | -0.04 | 0.02 | 0.04 | 0.02 | 0.02 | -0.09 | -0.01 | -0.02 | 0.09 | -0.06 | -0.06 | 0.15 | 0.21 | -0.01 | -0.06 | -0.03 | -0.06 | -0.02 | 0.23 | -0.04 | 0.10 | -0.02 | -0.07 | 0.04 | 0.01 | 0.04 | 0.04 | 0.14 | -0.01 | 0.15 | -0.02 | 0.04 | 0.02 | 0.02 | 0.13 | 0.16 | 0.00 | -0.02 | 0.21 | 0.15 | -0.03 | -0.10 | 0.12 | 0.12 | -0.04 | -0.09 | 0.03 | 0.05 | 0.09 | 0.01 | 0.00 | 0.12 | 0.01 | -0.06 | 0.02 | -0.04 | 0.02 | -0.08 | -0.09 | -0.07 | 0.05 | -0.07 | 0.02 | -0.08 | -0.03 | -0.01 | 0.04 | 0.09 | 0.13 | 0.10 | 0.08 |
| Asset.Type1 | 0.12 | -0.01 | 0.05 | -0.08 | 0.20 | 0.05 | -0.05 | 0.03 | 0.00 | 0.03 | -0.01 | 0.03 | 0.02 | 0.01 | 0.03 | -0.03 | 0.02 | 0.13 | 0.03 | -0.06 | 0.03 | 0.05 | 0.21 | 0.65 | 0.05 | -0.05 | 0.04 | 0.01 | -0.05 | -0.02 | 0.11 | -0.06 | -0.03 | 0.03 | -0.07 | -0.07 | 0.05 | 0.01 | 0.01 | -0.13 | 0.07 | 0.08 | 0.06 | -0.05 | -0.01 | 0.03 | -0.05 | 0.07 | -0.01 | 0.05 | 0.05 | 0.02 | -0.03 | -0.04 | 0.08 | 0.11 | -0.07 | 0.05 | -0.02 | 0.00 | 0.02 | 0.10 | 0.01 | 0.00 | 0.03 | 0.06 | 0.03 | -0.02 | -0.04 | -0.03 | 0.04 | -0.04 | 0.00 | -0.02 | -0.09 | 0.13 | 0.07 | 0.10 | 0.03 | 0.05 | 0.02 | -0.04 | -0.01 | -0.01 | 0.05 | 0.06 | 0.06 | -0.06 | 0.04 | 0.05 | 0.06 | -0.02 | -0.03 | -0.08 | 0.03 | 0.00 | -0.02 |
| Lifestyle6 | 0.12 | 0.13 | 0.08 | -0.03 | 0.11 | 0.00 | -0.01 | 0.13 | 0.05 | 0.01 | -0.04 | 0.10 | 0.12 | -0.07 | 0.00 | -0.05 | 0.00 | 0.12 | 0.00 | 0.02 | 0.05 | 0.16 | 0.12 | 0.08 | 0.11 | 0.04 | 0.03 | -0.18 | 0.03 | 0.04 | -0.03 | 0.20 | 0.08 | 0.12 | 0.12 | -0.03 | 0.03 | -0.06 | -0.05 | -0.05 | -0.09 | -0.02 | -0.03 | -0.10 | -0.01 | 0.04 | 0.09 | -0.11 | 0.05 | 0.03 | -0.13 | 0.10 | 0.10 | -0.04 | 0.12 | -0.03 | -0.03 | 0.00 | 0.24 | 0.13 | -0.04 | 0.10 | 0.12 | -0.01 | 0.11 | -0.02 | 0.06 | -0.04 | -0.02 | 0.12 | 0.01 | 0.07 | -0.22 | 0.09 | 0.13 | -0.19 | 0.01 | -0.02 | -0.08 | -0.04 | 0.10 | -0.04 | -0.01 | 0.16 | 0.03 | -0.07 | -0.04 | -0.04 | 0.08 | 0.10 | 0.06 | 0.03 | 0.02 | 0.03 | 0.02 | 0.06 | -0.09 |
| Lifestyle9 | 0.12 | 0.06 | 0.08 | -0.01 | 0.04 | 0.04 | 0.05 | -0.02 | 0.08 | 0.04 | 0.00 | -0.02 | 0.01 | 0.01 | 0.07 | 0.01 | 0.05 | 0.00 | 0.06 | 0.04 | -0.02 | -0.01 | 0.06 | 0.02 | 0.07 | 0.00 | -0.01 | 0.03 | -0.01 | 0.06 | 0.02 | 0.03 | 0.00 | 0.03 | -0.02 | 0.05 | -0.01 | -0.04 | 0.04 | -0.03 | 0.01 | 0.03 | 0.06 | -0.05 | 0.10 | 0.02 | 0.02 | 0.00 | -0.01 | -0.04 | -0.04 | 0.00 | -0.02 | -0.04 | -0.02 | 0.03 | 0.01 | -0.01 | 0.78 | -0.07 | 0.02 | 0.00 | 0.01 | 0.02 | 0.02 | 0.01 | 0.01 | -0.02 | 0.03 | 0.05 | 0.04 | 0.02 | 0.03 | 0.02 | -0.02 | 0.05 | -0.03 | -0.02 | 0.04 | 0.12 | -0.01 | -0.03 | 0.00 | 0.03 | 0.06 | 0.00 | 0.03 | 0.02 | -0.02 | -0.03 | 0.04 | 0.00 | -0.08 | 0.00 | -0.05 | 0.08 | 0.01 |
| Dec.Making4 | 0.12 | 0.05 | 0.03 | 0.00 | 0.08 | 0.02 | 0.10 | 0.05 | -0.02 | 0.08 | 0.05 | 0.06 | -0.05 | 0.02 | 0.04 | 0.08 | 0.05 | -0.05 | 0.09 | 0.07 | 0.05 | -0.06 | 0.00 | -0.08 | 0.04 | 0.03 | -0.01 | 0.02 | 0.01 | 0.05 | -0.04 | 0.06 | 0.00 | -0.04 | 0.03 | 0.03 | 0.07 | 0.04 | 0.03 | 0.02 | 0.05 | -0.01 | -0.06 | 0.03 | 0.01 | 0.05 | 0.09 | 0.04 | -0.02 | 0.01 | 0.02 | 0.01 | 0.01 | 0.00 | 0.01 | -0.01 | -0.04 | 0.02 | 0.01 | 0.04 | 0.04 | 0.02 | 0.74 | -0.03 | 0.03 | 0.01 | 0.00 | 0.05 | 0.05 | -0.05 | 0.03 | 0.03 | 0.01 | 0.00 | -0.03 | -0.02 | 0.01 | 0.01 | -0.03 | -0.02 | -0.04 | -0.04 | -0.04 | 0.09 | -0.02 | 0.04 | -0.05 | 0.01 | -0.01 | -0.02 | -0.04 | 0.01 | 0.01 | 0.00 | 0.02 | 0.04 | 0.01 |
| Online.Purchase10 | 0.12 | 0.10 | 0.10 | -0.03 | 0.16 | 0.10 | -0.03 | 0.02 | -0.02 | -0.07 | 0.02 | 0.03 | 0.16 | 0.00 | 0.18 | -0.06 | -0.05 | 0.25 | -0.02 | 0.09 | 0.06 | 0.08 | 0.14 | 0.04 | 0.01 | 0.16 | -0.01 | -0.02 | 0.02 | 0.00 | -0.04 | -0.01 | 0.13 | 0.14 | -0.03 | -0.06 | 0.15 | 0.01 | 0.08 | 0.04 | -0.10 | -0.02 | 0.11 | -0.04 | -0.02 | 0.12 | 0.00 | -0.11 | 0.18 | 0.12 | -0.17 | -0.01 | 0.09 | 0.05 | -0.04 | -0.04 | 0.02 | 0.16 | 0.11 | -0.12 | -0.17 | 0.07 | 0.03 | 0.11 | 0.05 | -0.04 | 0.02 | -0.03 | -0.03 | 0.03 | 0.02 | 0.14 | -0.02 | 0.10 | -0.05 | -0.03 | 0.06 | -0.07 | 0.00 | 0.01 | -0.06 | 0.03 | -0.08 | -0.03 | -0.15 | -0.04 | -0.12 | -0.05 | -0.06 | 0.06 | -0.05 | 0.14 | 0.04 | -0.04 | 0.06 | -0.03 | 0.04 |
| Media7 | 0.12 | 0.02 | 0.02 | 0.00 | 0.10 | -0.01 | 0.13 | 0.04 | 0.06 | 0.37 | 0.02 | 0.15 | 0.04 | 0.01 | 0.05 | 0.16 | 0.01 | 0.04 | 0.02 | -0.01 | 0.01 | -0.03 | 0.12 | 0.07 | 0.49 | 0.03 | 0.00 | 0.03 | 0.00 | 0.02 | -0.02 | 0.09 | 0.01 | 0.09 | 0.01 | 0.01 | 0.02 | 0.02 | -0.02 | -0.02 | -0.15 | 0.04 | 0.02 | 0.13 | 0.16 | 0.00 | 0.06 | 0.08 | 0.05 | 0.11 | 0.00 | -0.03 | 0.04 | -0.01 | -0.12 | -0.10 | -0.07 | -0.01 | -0.02 | -0.01 | -0.01 | -0.03 | 0.12 | 0.06 | 0.01 | 0.00 | 0.00 | 0.01 | 0.09 | 0.07 | -0.07 | 0.14 | 0.01 | 0.01 | 0.06 | 0.10 | 0.04 | -0.03 | 0.07 | -0.07 | 0.03 | -0.05 | 0.00 | -0.09 | 0.03 | 0.02 | 0.03 | -0.05 | -0.04 | 0.01 | -0.01 | 0.00 | -0.02 | 0.02 | 0.07 | 0.08 | -0.03 |
| L.H.Needs1 | 0.12 | 0.37 | 0.08 | 0.07 | 0.05 | 0.08 | -0.03 | 0.10 | 0.06 | -0.02 | 0.08 | -0.05 | -0.01 | -0.06 | -0.05 | 0.08 | 0.01 | 0.20 | -0.03 | 0.07 | 0.04 | -0.01 | 0.19 | 0.03 | -0.01 | -0.19 | -0.01 | 0.04 | 0.04 | 0.05 | 0.00 | -0.04 | 0.09 | 0.03 | 0.02 | 0.05 | 0.12 | 0.07 | 0.24 | -0.05 | 0.05 | 0.15 | -0.03 | 0.02 | -0.03 | -0.09 | -0.01 | -0.08 | -0.08 | -0.02 | 0.01 | 0.07 | 0.00 | -0.13 | 0.13 | -0.03 | 0.06 | 0.07 | 0.00 | 0.06 | 0.18 | -0.06 | -0.05 | 0.03 | 0.01 | 0.08 | 0.05 | 0.17 | 0.12 | 0.02 | 0.20 | 0.04 | -0.13 | 0.03 | -0.07 | 0.08 | 0.00 | -0.02 | 0.05 | 0.02 | -0.02 | -0.14 | 0.01 | 0.10 | -0.02 | 0.01 | -0.11 | -0.06 | 0.02 | -0.05 | -0.06 | 0.04 | 0.05 | -0.04 | -0.06 | -0.03 | -0.03 |
| Ins.Brands18 | 0.12 | 0.07 | 0.50 | -0.02 | 0.05 | 0.09 | -0.05 | 0.00 | 0.04 | 0.13 | 0.09 | 0.04 | 0.10 | 0.01 | 0.00 | -0.07 | -0.03 | 0.17 | -0.01 | 0.08 | 0.06 | 0.06 | 0.15 | 0.07 | 0.02 | -0.09 | 0.00 | 0.04 | -0.03 | 0.12 | -0.02 | -0.04 | 0.00 | -0.03 | 0.05 | -0.04 | 0.03 | 0.06 | -0.05 | 0.09 | -0.06 | 0.02 | -0.04 | -0.04 | 0.08 | -0.04 | -0.07 | -0.05 | 0.04 | 0.09 | 0.02 | -0.02 | 0.17 | 0.07 | -0.06 | 0.02 | 0.07 | -0.01 | 0.05 | 0.09 | 0.00 | -0.01 | 0.00 | 0.14 | 0.05 | 0.03 | -0.07 | -0.13 | -0.05 | -0.02 | 0.03 | 0.03 | 0.01 | -0.12 | -0.05 | 0.03 | -0.07 | 0.00 | -0.02 | -0.05 | 0.01 | -0.05 | 0.12 | 0.01 | -0.05 | 0.06 | 0.05 | 0.02 | 0.12 | 0.02 | 0.07 | -0.02 | 0.02 | 0.07 | 0.02 | -0.04 | -0.09 |
| L.H.Own1 | 0.12 | 0.12 | 0.12 | -0.02 | 0.27 | 0.14 | 0.07 | -0.08 | 0.05 | 0.05 | 0.05 | 0.17 | -0.02 | -0.12 | 0.12 | 0.02 | 0.09 | 0.02 | 0.06 | 0.05 | -0.13 | -0.03 | -0.02 | -0.08 | 0.00 | -0.02 | -0.02 | 0.15 | 0.03 | 0.02 | 0.02 | -0.05 | 0.10 | -0.01 | 0.08 | -0.14 | 0.01 | -0.06 | 0.21 | 0.11 | 0.11 | 0.12 | 0.12 | 0.17 | -0.03 | 0.04 | 0.06 | 0.03 | 0.00 | 0.07 | -0.14 | -0.03 | 0.03 | 0.04 | -0.06 | -0.10 | -0.07 | 0.02 | 0.13 | -0.04 | -0.02 | 0.12 | 0.04 | -0.09 | -0.03 | 0.04 | 0.00 | -0.02 | 0.12 | -0.01 | -0.03 | 0.11 | 0.08 | -0.01 | -0.05 | 0.08 | 0.04 | -0.04 | 0.05 | 0.11 | 0.15 | -0.05 | 0.06 | 0.23 | -0.04 | -0.05 | -0.04 | 0.10 | 0.03 | 0.06 | 0.05 | -0.02 | 0.03 | -0.01 | 0.05 | 0.03 | 0.02 |
| Gen.Own4 | 0.12 | 0.11 | 0.08 | -0.04 | -0.02 | 0.12 | 0.08 | 0.07 | 0.03 | 0.04 | 0.05 | 0.00 | 0.08 | 0.06 | 0.72 | 0.14 | 0.11 | 0.06 | 0.01 | 0.00 | 0.06 | 0.02 | 0.13 | -0.01 | 0.02 | 0.06 | 0.00 | -0.03 | 0.01 | 0.01 | 0.06 | 0.13 | -0.02 | 0.02 | -0.01 | 0.03 | -0.01 | 0.00 | 0.08 | 0.07 | -0.02 | 0.10 | -0.05 | 0.00 | 0.02 | -0.05 | -0.01 | 0.01 | -0.04 | 0.07 | -0.09 | -0.03 | 0.03 | 0.05 | -0.02 | -0.01 | -0.01 | 0.02 | 0.03 | -0.05 | 0.01 | 0.00 | 0.02 | 0.02 | 0.03 | -0.01 | -0.01 | -0.01 | 0.03 | 0.12 | -0.01 | -0.01 | 0.02 | 0.01 | 0.07 | -0.02 | -0.05 | -0.07 | -0.01 | 0.00 | -0.01 | 0.00 | -0.06 | -0.02 | -0.01 | 0.03 | 0.09 | 0.08 | -0.05 | 0.03 | -0.03 | 0.00 | -0.01 | -0.05 | -0.01 | -0.01 | 0.03 |
| L.H.Lack2 | 0.12 | 0.09 | 0.14 | -0.02 | 0.12 | 0.10 | -0.03 | 0.30 | -0.06 | 0.15 | 0.17 | 0.00 | -0.13 | 0.09 | -0.03 | 0.00 | 0.06 | 0.12 | 0.16 | 0.06 | 0.10 | 0.05 | 0.19 | 0.08 | 0.02 | 0.11 | -0.04 | -0.07 | 0.06 | 0.05 | -0.01 | -0.01 | 0.12 | -0.02 | 0.11 | 0.03 | -0.01 | 0.01 | -0.09 | 0.04 | 0.02 | -0.04 | -0.07 | -0.01 | -0.10 | -0.01 | -0.02 | -0.09 | 0.02 | -0.13 | 0.07 | -0.09 | 0.03 | -0.06 | 0.12 | 0.17 | 0.07 | 0.07 | 0.04 | 0.00 | -0.01 | 0.00 | 0.07 | -0.03 | -0.07 | -0.03 | 0.06 | 0.06 | 0.03 | 0.03 | 0.15 | 0.00 | 0.01 | 0.10 | -0.07 | 0.00 | -0.04 | 0.06 | 0.09 | -0.03 | 0.09 | 0.02 | -0.12 | 0.11 | -0.08 | 0.13 | 0.06 | 0.15 | 0.02 | -0.03 | 0.05 | 0.07 | 0.07 | -0.09 | 0.05 | 0.00 | -0.08 |
| Digital.Purchase3 | 0.12 | 0.04 | 0.17 | -0.03 | -0.06 | 0.06 | 0.18 | 0.00 | 0.05 | 0.04 | 0.08 | 0.35 | 0.25 | 0.01 | 0.16 | 0.10 | 0.03 | 0.09 | 0.33 | 0.08 | 0.01 | 0.00 | -0.04 | 0.11 | -0.02 | 0.05 | -0.01 | 0.00 | -0.04 | 0.09 | -0.04 | 0.02 | 0.08 | -0.08 | 0.00 | 0.06 | 0.07 | 0.05 | 0.10 | -0.05 | 0.03 | 0.02 | 0.00 | 0.07 | 0.04 | -0.05 | -0.04 | -0.01 | -0.05 | 0.21 | -0.02 | 0.01 | -0.01 | -0.06 | 0.08 | 0.05 | -0.03 | -0.10 | 0.11 | 0.00 | 0.03 | 0.00 | 0.02 | -0.02 | -0.12 | 0.02 | 0.01 | 0.00 | 0.07 | 0.08 | 0.00 | 0.10 | -0.08 | -0.01 | -0.01 | -0.07 | 0.06 | -0.11 | -0.03 | -0.02 | 0.02 | 0.07 | 0.09 | 0.14 | -0.06 | 0.07 | -0.02 | 0.14 | -0.07 | 0.02 | 0.08 | -0.02 | 0.02 | 0.00 | -0.05 | -0.03 | 0.02 |
| L.H.SalesChan4 | 0.12 | 0.02 | 0.09 | -0.01 | 0.02 | 0.05 | 0.03 | 0.03 | 0.14 | 0.14 | 0.09 | 0.12 | 0.01 | 0.02 | 0.06 | 0.77 | -0.03 | 0.06 | 0.02 | -0.01 | -0.05 | 0.02 | -0.02 | 0.04 | 0.07 | 0.00 | -0.02 | 0.03 | -0.05 | 0.09 | 0.03 | 0.06 | 0.01 | 0.02 | 0.01 | 0.09 | 0.00 | 0.10 | -0.02 | 0.01 | 0.04 | 0.01 | 0.02 | 0.03 | 0.03 | -0.01 | 0.09 | -0.03 | -0.04 | 0.00 | 0.04 | 0.01 | -0.02 | 0.02 | 0.02 | -0.01 | 0.01 | 0.05 | 0.01 | 0.00 | -0.02 | 0.05 | -0.02 | 0.00 | -0.05 | -0.02 | 0.01 | -0.02 | 0.03 | 0.01 | -0.02 | 0.05 | -0.01 | -0.05 | -0.01 | -0.04 | 0.03 | -0.02 | 0.01 | 0.00 | 0.02 | -0.01 | 0.03 | 0.02 | -0.07 | 0.00 | 0.01 | 0.05 | -0.03 | 0.04 | -0.03 | 0.04 | 0.04 | -0.04 | 0.01 | -0.01 | 0.00 |
| Switch.Drivers14 | 0.12 | 0.10 | 0.01 | -0.01 | 0.02 | 0.07 | 0.00 | 0.04 | 0.01 | -0.01 | 0.03 | -0.04 | 0.03 | 0.07 | 0.04 | -0.04 | 0.01 | 0.03 | -0.05 | 0.02 | -0.03 | 0.14 | 0.04 | 0.01 | 0.05 | 0.07 | -0.03 | 0.08 | 0.00 | -0.02 | -0.02 | -0.07 | -0.02 | 0.00 | 0.02 | 0.03 | 0.03 | 0.00 | 0.08 | -0.10 | 0.02 | -0.01 | -0.04 | -0.05 | 0.02 | -0.04 | -0.04 | -0.01 | -0.02 | -0.01 | 0.03 | -0.02 | 0.04 | 0.00 | 0.01 | 0.00 | -0.03 | -0.02 | 0.04 | 0.03 | 0.04 | 0.04 | 0.01 | 0.07 | -0.01 | 0.03 | 0.01 | -0.06 | 0.04 | 0.03 | 0.07 | -0.06 | -0.01 | 0.76 | -0.03 | 0.04 | 0.00 | -0.07 | 0.03 | 0.00 | 0.00 | 0.07 | 0.06 | -0.03 | -0.03 | 0.08 | -0.06 | -0.01 | 0.02 | -0.02 | 0.00 | 0.06 | 0.04 | 0.08 | -0.03 | -0.01 | 0.03 |
| Lifestyle7 | 0.11 | 0.10 | 0.07 | -0.08 | 0.15 | 0.16 | 0.07 | 0.07 | -0.12 | 0.03 | 0.11 | 0.08 | 0.02 | 0.09 | 0.20 | 0.12 | 0.00 | -0.02 | -0.15 | -0.07 | 0.08 | 0.06 | 0.07 | 0.12 | 0.01 | 0.07 | -0.05 | -0.01 | -0.09 | -0.04 | 0.05 | 0.00 | 0.00 | 0.15 | -0.08 | -0.02 | 0.04 | 0.01 | 0.26 | 0.10 | 0.13 | -0.03 | 0.15 | 0.10 | -0.06 | -0.02 | -0.10 | 0.01 | 0.00 | 0.09 | 0.04 | -0.06 | -0.03 | -0.09 | 0.00 | 0.14 | 0.14 | 0.15 | 0.16 | -0.02 | -0.04 | -0.05 | 0.03 | -0.10 | 0.08 | -0.02 | 0.04 | -0.08 | -0.05 | 0.01 | -0.11 | -0.09 | -0.01 | 0.17 | 0.01 | -0.08 | -0.06 | 0.00 | 0.17 | 0.11 | 0.01 | -0.02 | -0.05 | -0.03 | -0.03 | 0.02 | 0.04 | 0.11 | 0.00 | 0.03 | -0.10 | 0.07 | -0.07 | 0.02 | -0.01 | 0.08 | -0.04 |
| Dec.Making6 | 0.11 | 0.07 | -0.02 | 0.05 | 0.10 | -0.03 | 0.05 | 0.18 | -0.09 | 0.06 | -0.05 | 0.06 | 0.08 | 0.03 | -0.04 | 0.12 | 0.04 | 0.14 | 0.03 | -0.03 | -0.08 | 0.10 | 0.06 | 0.03 | -0.03 | -0.12 | 0.00 | -0.10 | 0.00 | 0.02 | -0.11 | 0.03 | -0.03 | 0.10 | 0.01 | -0.06 | 0.08 | 0.02 | 0.20 | 0.13 | 0.11 | 0.07 | 0.07 | 0.04 | 0.08 | -0.06 | -0.01 | 0.00 | 0.09 | 0.12 | 0.08 | 0.00 | 0.01 | 0.14 | 0.01 | 0.05 | 0.04 | 0.10 | 0.06 | -0.08 | 0.01 | 0.03 | 0.01 | -0.05 | 0.03 | 0.11 | 0.07 | -0.04 | -0.03 | -0.11 | 0.11 | 0.03 | 0.05 | 0.10 | 0.09 | -0.15 | 0.19 | -0.06 | 0.04 | 0.05 | -0.04 | 0.01 | -0.12 | 0.19 | -0.03 | 0.38 | -0.08 | -0.11 | -0.03 | -0.07 | 0.03 | 0.03 | 0.01 | -0.06 | -0.04 | -0.08 | -0.05 |
| Online.Purchase1 | 0.11 | 0.13 | 0.11 | -0.04 | 0.09 | 0.10 | -0.03 | 0.04 | 0.00 | 0.04 | -0.06 | 0.03 | 0.09 | 0.06 | 0.03 | 0.03 | 0.03 | 0.14 | 0.07 | 0.01 | 0.14 | 0.04 | 0.03 | 0.01 | 0.07 | 0.00 | -0.03 | -0.04 | 0.07 | 0.03 | 0.06 | 0.02 | 0.02 | 0.07 | 0.07 | -0.04 | 0.02 | 0.09 | 0.04 | -0.03 | 0.00 | 0.02 | -0.01 | -0.02 | -0.06 | 0.01 | 0.03 | 0.01 | -0.01 | -0.01 | 0.00 | 0.05 | 0.03 | -0.08 | 0.01 | 0.06 | 0.01 | 0.07 | 0.09 | -0.06 | 0.00 | 0.13 | -0.01 | 0.05 | 0.04 | -0.02 | -0.01 | -0.04 | -0.02 | -0.05 | -0.05 | 0.00 | 0.00 | 0.07 | -0.10 | 0.64 | 0.03 | 0.07 | 0.02 | 0.03 | 0.00 | -0.01 | 0.00 | 0.06 | 0.05 | 0.02 | -0.06 | -0.01 | -0.08 | 0.08 | -0.08 | 0.02 | -0.02 | 0.02 | -0.06 | -0.03 | 0.00 |
| Media12 | 0.11 | 0.10 | 0.00 | -0.01 | -0.02 | 0.02 | 0.08 | 0.03 | -0.03 | 0.34 | 0.01 | 0.09 | -0.04 | 0.03 | 0.03 | 0.21 | -0.12 | -0.16 | 0.03 | -0.06 | -0.08 | -0.04 | -0.01 | -0.05 | 0.23 | 0.12 | 0.01 | 0.03 | -0.01 | 0.04 | -0.03 | 0.14 | 0.03 | 0.03 | 0.03 | 0.04 | 0.13 | 0.09 | 0.07 | -0.12 | -0.12 | 0.06 | -0.09 | 0.14 | -0.14 | -0.04 | 0.04 | -0.06 | -0.01 | 0.15 | 0.02 | -0.01 | 0.14 | -0.04 | -0.05 | 0.01 | -0.01 | -0.02 | 0.06 | -0.12 | -0.06 | -0.03 | -0.02 | -0.10 | 0.09 | -0.09 | 0.06 | 0.03 | 0.13 | 0.04 | -0.09 | -0.09 | -0.06 | 0.02 | -0.05 | 0.01 | -0.08 | -0.05 | -0.04 | 0.01 | -0.10 | -0.01 | -0.01 | 0.10 | 0.15 | 0.05 | 0.07 | 0.13 | -0.01 | -0.04 | 0.08 | 0.02 | 0.07 | -0.01 | 0.07 | 0.00 | -0.04 |
| Media13 | 0.11 | 0.02 | 0.06 | 0.01 | 0.06 | 0.11 | 0.10 | 0.09 | 0.09 | 0.21 | 0.10 | -0.02 | 0.04 | 0.05 | 0.07 | 0.15 | 0.10 | 0.09 | 0.12 | -0.03 | 0.02 | 0.03 | -0.05 | 0.07 | 0.51 | 0.05 | 0.01 | 0.03 | -0.06 | 0.06 | 0.03 | -0.04 | -0.04 | 0.09 | -0.01 | -0.04 | 0.01 | 0.05 | -0.01 | 0.10 | 0.16 | 0.00 | -0.04 | 0.08 | 0.10 | 0.02 | 0.15 | 0.18 | 0.00 | 0.08 | -0.11 | -0.02 | -0.09 | -0.01 | 0.00 | 0.04 | -0.04 | 0.09 | 0.06 | -0.07 | 0.04 | -0.12 | 0.07 | -0.05 | -0.08 | -0.01 | 0.02 | -0.02 | 0.00 | 0.04 | 0.02 | 0.03 | -0.13 | 0.07 | 0.03 | 0.08 | -0.01 | -0.11 | -0.04 | 0.06 | 0.00 | 0.02 | 0.05 | -0.05 | 0.01 | -0.02 | 0.02 | 0.03 | 0.03 | 0.13 | 0.01 | -0.01 | -0.15 | 0.02 | -0.11 | 0.02 | 0.09 |
| L.H.Needs4 | 0.11 | 0.49 | 0.03 | 0.02 | 0.07 | 0.09 | 0.04 | 0.12 | 0.08 | 0.02 | 0.01 | -0.05 | 0.06 | 0.03 | 0.02 | -0.04 | 0.06 | 0.05 | -0.08 | 0.13 | 0.02 | -0.05 | 0.24 | 0.03 | 0.07 | -0.08 | -0.03 | -0.04 | -0.04 | 0.04 | 0.06 | -0.03 | 0.04 | 0.02 | 0.00 | 0.07 | -0.01 | -0.05 | 0.26 | -0.11 | -0.11 | -0.04 | -0.09 | -0.15 | -0.01 | 0.07 | 0.04 | -0.05 | 0.02 | -0.07 | -0.02 | 0.10 | 0.11 | 0.02 | 0.10 | -0.10 | 0.06 | 0.03 | -0.01 | 0.02 | -0.01 | 0.00 | 0.06 | -0.03 | 0.00 | 0.14 | -0.02 | 0.05 | 0.00 | 0.03 | -0.04 | 0.01 | -0.03 | -0.01 | 0.03 | 0.02 | 0.08 | -0.01 | 0.01 | -0.04 | 0.04 | -0.03 | 0.08 | -0.07 | 0.10 | 0.06 | 0.00 | -0.07 | 0.00 | 0.08 | 0.01 | -0.01 | -0.06 | 0.03 | -0.05 | -0.09 | -0.07 |
| L.H.Needs7 | 0.11 | 0.62 | 0.05 | 0.03 | 0.12 | 0.03 | 0.13 | 0.07 | -0.04 | 0.06 | 0.09 | -0.03 | 0.07 | 0.08 | 0.02 | -0.03 | -0.05 | 0.00 | 0.01 | 0.07 | 0.00 | -0.06 | -0.01 | 0.04 | -0.01 | 0.10 | -0.02 | -0.04 | 0.02 | 0.00 | 0.00 | 0.00 | 0.02 | -0.06 | -0.06 | -0.04 | 0.04 | 0.01 | -0.06 | 0.11 | 0.00 | -0.02 | 0.01 | 0.04 | -0.02 | 0.03 | -0.02 | 0.05 | -0.08 | 0.08 | 0.08 | -0.02 | 0.03 | 0.06 | 0.05 | 0.04 | 0.05 | -0.11 | 0.01 | 0.02 | -0.06 | 0.03 | 0.01 | 0.08 | 0.10 | -0.03 | -0.06 | -0.05 | -0.05 | -0.12 | 0.00 | 0.00 | 0.12 | 0.00 | -0.02 | 0.12 | -0.01 | -0.11 | 0.04 | -0.05 | 0.11 | -0.06 | 0.01 | 0.03 | -0.03 | 0.03 | -0.09 | 0.08 | -0.05 | 0.00 | -0.02 | 0.07 | 0.01 | 0.05 | -0.06 | 0.03 | -0.06 |
| L.H.Res7 | 0.11 | 0.09 | 0.03 | -0.01 | -0.12 | 0.00 | 0.10 | -0.01 | 0.14 | -0.01 | 0.01 | 0.03 | 0.13 | 0.80 | 0.06 | 0.04 | -0.01 | 0.02 | 0.11 | -0.01 | 0.03 | 0.07 | 0.07 | -0.01 | 0.03 | -0.03 | 0.00 | -0.02 | -0.01 | 0.04 | 0.00 | -0.04 | 0.02 | 0.07 | 0.00 | 0.07 | 0.05 | 0.02 | 0.00 | 0.01 | -0.01 | -0.04 | 0.01 | -0.03 | 0.03 | -0.04 | 0.01 | -0.01 | 0.07 | 0.00 | -0.01 | 0.00 | -0.01 | 0.02 | 0.05 | 0.05 | 0.00 | 0.03 | 0.02 | 0.01 | 0.00 | 0.02 | 0.06 | 0.01 | 0.07 | 0.00 | 0.06 | -0.02 | 0.00 | 0.00 | 0.00 | -0.03 | -0.01 | 0.02 | 0.03 | 0.02 | 0.01 | 0.03 | 0.02 | 0.09 | -0.03 | -0.01 | 0.00 | -0.04 | -0.04 | 0.02 | -0.05 | -0.04 | 0.00 | -0.06 | -0.02 | 0.00 | 0.06 | -0.02 | 0.02 | 0.00 | -0.02 |
| Digital.Purchase1 | 0.11 | 0.03 | 0.07 | -0.03 | 0.07 | 0.04 | 0.14 | 0.05 | 0.00 | 0.04 | 0.16 | 0.16 | 0.08 | 0.05 | 0.02 | 0.05 | 0.01 | 0.04 | 0.71 | 0.05 | 0.01 | -0.01 | 0.05 | -0.02 | 0.04 | 0.06 | 0.01 | 0.09 | 0.03 | 0.06 | 0.05 | 0.03 | 0.01 | 0.00 | 0.04 | 0.03 | 0.03 | 0.01 | 0.03 | 0.06 | 0.05 | 0.04 | 0.04 | -0.03 | 0.04 | 0.04 | 0.10 | -0.04 | -0.02 | 0.04 | 0.05 | -0.05 | 0.03 | -0.08 | -0.03 | -0.03 | 0.04 | -0.01 | -0.02 | 0.02 | 0.00 | 0.08 | 0.02 | 0.00 | -0.05 | -0.02 | 0.04 | 0.02 | 0.06 | 0.05 | 0.04 | 0.00 | -0.01 | 0.00 | -0.02 | 0.05 | 0.07 | -0.01 | 0.04 | 0.07 | 0.08 | -0.03 | 0.03 | 0.02 | 0.02 | -0.03 | 0.02 | 0.06 | -0.04 | 0.05 | 0.00 | 0.00 | 0.01 | -0.01 | -0.01 | 0.08 | 0.04 |
| Fin.Attitude5 | 0.10 | 0.07 | 0.10 | -0.03 | -0.07 | 0.03 | 0.06 | -0.01 | -0.01 | -0.05 | -0.06 | 0.09 | -0.11 | 0.04 | 0.11 | 0.15 | 0.12 | 0.15 | 0.07 | 0.10 | 0.02 | 0.03 | -0.02 | 0.14 | 0.05 | 0.10 | 0.12 | -0.18 | 0.04 | -0.02 | 0.14 | 0.00 | 0.08 | -0.01 | 0.12 | -0.13 | 0.30 | 0.01 | -0.04 | 0.01 | 0.22 | 0.07 | 0.08 | -0.13 | -0.02 | 0.06 | -0.03 | 0.01 | 0.05 | 0.05 | 0.00 | 0.07 | 0.05 | 0.06 | -0.03 | 0.17 | -0.01 | 0.15 | 0.16 | 0.09 | 0.04 | -0.02 | -0.06 | -0.15 | -0.02 | 0.07 | -0.01 | 0.03 | 0.08 | -0.01 | 0.04 | -0.11 | -0.03 | 0.16 | 0.06 | 0.03 | 0.04 | -0.02 | 0.03 | 0.13 | 0.02 | 0.02 | 0.05 | 0.02 | 0.01 | 0.08 | 0.05 | 0.02 | -0.09 | -0.08 | 0.13 | 0.01 | 0.03 | 0.05 | 0.11 | 0.04 | 0.02 |
| Media10 | 0.10 | 0.00 | 0.08 | 0.01 | 0.03 | 0.04 | 0.07 | -0.12 | 0.06 | 0.53 | 0.05 | 0.03 | 0.03 | 0.01 | 0.00 | 0.09 | 0.01 | 0.03 | 0.08 | 0.06 | 0.01 | -0.03 | 0.07 | 0.03 | 0.20 | 0.03 | -0.01 | 0.00 | -0.06 | -0.04 | 0.06 | 0.06 | 0.00 | 0.08 | 0.02 | 0.01 | 0.12 | 0.07 | -0.04 | 0.04 | -0.04 | -0.09 | 0.03 | 0.20 | 0.11 | 0.01 | 0.08 | 0.20 | 0.20 | 0.01 | 0.02 | -0.07 | -0.02 | 0.05 | 0.04 | -0.06 | -0.05 | -0.12 | -0.01 | 0.01 | 0.08 | 0.02 | 0.13 | 0.07 | -0.02 | 0.06 | -0.04 | 0.10 | -0.05 | 0.04 | -0.03 | 0.04 | 0.04 | 0.00 | 0.02 | 0.04 | -0.03 | 0.14 | 0.02 | -0.01 | -0.03 | -0.04 | -0.11 | -0.04 | 0.06 | -0.01 | 0.04 | 0.16 | -0.01 | -0.04 | -0.03 | 0.00 | 0.01 | -0.02 | 0.08 | 0.05 | 0.03 |
| DataSharing.Attitude3 | 0.10 | 0.02 | 0.03 | 0.02 | 0.01 | 0.02 | 0.02 | 0.17 | -0.09 | -0.14 | 0.01 | 0.07 | 0.04 | 0.11 | 0.10 | -0.02 | -0.01 | 0.19 | -0.25 | 0.07 | 0.10 | 0.00 | 0.04 | 0.01 | -0.07 | -0.06 | -0.06 | -0.03 | -0.02 | -0.04 | 0.03 | 0.02 | -0.04 | -0.02 | 0.00 | 0.05 | 0.26 | 0.10 | -0.03 | 0.00 | -0.21 | 0.08 | 0.07 | 0.08 | 0.01 | -0.13 | 0.14 | 0.01 | 0.11 | 0.01 | 0.04 | 0.06 | 0.14 | 0.02 | -0.07 | -0.06 | -0.01 | 0.06 | -0.04 | -0.09 | 0.44 | -0.08 | -0.03 | 0.08 | -0.04 | 0.00 | -0.08 | -0.05 | 0.00 | 0.04 | -0.10 | -0.03 | -0.07 | 0.11 | -0.06 | -0.09 | 0.08 | -0.06 | -0.09 | -0.06 | 0.01 | 0.04 | 0.00 | 0.02 | 0.07 | -0.07 | -0.08 | 0.09 | -0.04 | -0.07 | -0.01 | 0.04 | -0.04 | 0.00 | -0.01 | -0.04 | -0.04 |
| Gen.Needs2 | 0.10 | 0.20 | 0.00 | -0.04 | -0.01 | 0.69 | -0.13 | 0.06 | 0.08 | 0.01 | 0.01 | -0.05 | -0.03 | -0.03 | 0.03 | -0.01 | 0.05 | 0.11 | 0.00 | 0.03 | 0.05 | 0.08 | 0.02 | 0.07 | 0.08 | -0.08 | -0.05 | 0.04 | 0.03 | 0.03 | -0.10 | -0.02 | -0.06 | 0.05 | -0.02 | 0.05 | 0.00 | -0.03 | -0.04 | 0.00 | 0.09 | -0.10 | -0.04 | -0.06 | -0.02 | -0.04 | -0.10 | -0.02 | 0.04 | -0.05 | 0.01 | 0.00 | 0.09 | 0.07 | -0.03 | 0.02 | -0.02 | 0.00 | 0.01 | 0.05 | 0.08 | 0.16 | 0.04 | -0.05 | -0.03 | -0.04 | 0.04 | 0.05 | -0.01 | -0.01 | 0.00 | -0.03 | -0.05 | -0.01 | -0.06 | 0.04 | 0.00 | 0.05 | 0.04 | -0.01 | -0.01 | -0.06 | 0.05 | -0.01 | -0.04 | 0.01 | -0.05 | 0.04 | 0.08 | -0.01 | -0.08 | 0.05 | 0.02 | -0.04 | -0.06 | 0.01 | -0.08 |
| Ins.Service7 | 0.10 | 0.14 | 0.08 | -0.03 | 0.07 | 0.02 | -0.05 | 0.11 | 0.02 | -0.09 | 0.06 | 0.07 | -0.03 | 0.05 | -0.10 | 0.03 | 0.09 | 0.01 | -0.09 | 0.02 | -0.02 | 0.03 | 0.15 | 0.03 | 0.08 | -0.06 | -0.03 | -0.03 | 0.08 | -0.03 | 0.04 | 0.04 | -0.03 | -0.02 | 0.08 | -0.22 | -0.03 | -0.52 | -0.05 | -0.02 | 0.08 | 0.03 | -0.13 | 0.03 | -0.08 | -0.08 | 0.05 | -0.05 | 0.03 | 0.01 | -0.10 | -0.09 | 0.05 | -0.05 | 0.01 | -0.01 | 0.06 | -0.03 | -0.01 | -0.04 | 0.03 | 0.04 | -0.07 | 0.04 | 0.02 | 0.13 | 0.06 | 0.05 | -0.11 | -0.01 | -0.08 | -0.11 | -0.02 | 0.01 | 0.15 | -0.03 | 0.11 | 0.00 | 0.01 | -0.14 | -0.03 | -0.18 | -0.07 | 0.01 | -0.04 | 0.03 | -0.08 | -0.07 | 0.01 | -0.03 | 0.10 | -0.09 | 0.06 | 0.07 | 0.06 | 0.05 | 0.00 |
| Ins.Brands15 | 0.10 | -0.07 | 0.42 | 0.00 | -0.04 | 0.08 | 0.05 | 0.07 | 0.07 | -0.06 | 0.04 | 0.09 | 0.01 | -0.03 | 0.11 | 0.04 | -0.05 | 0.18 | -0.07 | 0.02 | -0.01 | -0.11 | 0.04 | 0.05 | 0.01 | 0.00 | -0.01 | 0.05 | -0.03 | 0.11 | 0.02 | 0.04 | -0.02 | -0.13 | -0.06 | -0.06 | 0.05 | 0.05 | 0.30 | 0.05 | -0.03 | -0.04 | -0.05 | 0.01 | -0.04 | 0.03 | -0.03 | 0.02 | -0.07 | 0.17 | 0.06 | -0.08 | 0.14 | 0.00 | -0.05 | -0.01 | -0.08 | -0.05 | -0.02 | -0.06 | -0.01 | 0.16 | 0.09 | 0.00 | 0.01 | -0.12 | 0.08 | 0.10 | 0.06 | 0.00 | 0.05 | -0.01 | 0.04 | 0.02 | -0.03 | 0.13 | 0.08 | -0.01 | 0.05 | 0.15 | -0.02 | 0.04 | 0.20 | -0.03 | 0.04 | -0.02 | 0.05 | 0.11 | 0.07 | 0.02 | 0.07 | -0.05 | -0.13 | 0.05 | 0.08 | 0.07 | 0.03 |
| L.H.Own9 | 0.10 | 0.33 | 0.05 | 0.03 | -0.01 | 0.26 | 0.11 | 0.00 | 0.01 | -0.08 | 0.09 | 0.09 | 0.17 | -0.01 | 0.00 | -0.04 | 0.08 | -0.02 | 0.08 | -0.05 | 0.03 | 0.06 | 0.07 | 0.08 | 0.02 | 0.04 | -0.01 | 0.08 | -0.02 | 0.08 | 0.05 | 0.01 | -0.06 | -0.03 | 0.13 | 0.01 | 0.01 | 0.05 | 0.05 | 0.19 | -0.06 | 0.07 | 0.01 | -0.07 | -0.01 | -0.01 | 0.06 | -0.03 | -0.06 | 0.13 | 0.02 | 0.00 | 0.01 | 0.08 | -0.04 | 0.08 | -0.05 | -0.04 | -0.04 | -0.20 | -0.07 | 0.03 | -0.05 | -0.11 | 0.00 | 0.10 | 0.05 | -0.10 | -0.10 | -0.03 | 0.05 | 0.15 | 0.12 | 0.11 | 0.05 | 0.00 | 0.01 | -0.11 | 0.20 | 0.03 | 0.05 | 0.03 | 0.03 | -0.04 | -0.07 | 0.11 | 0.16 | 0.05 | -0.05 | 0.00 | 0.06 | -0.08 | 0.08 | -0.05 | 0.08 | 0.10 | -0.02 |
| Purc.Trig4 | 0.10 | 0.08 | 0.02 | -0.02 | 0.03 | 0.08 | -0.08 | 0.01 | 0.06 | 0.01 | -0.06 | 0.00 | -0.07 | 0.01 | 0.05 | 0.06 | 0.03 | 0.05 | 0.04 | 0.77 | 0.04 | 0.06 | 0.03 | 0.02 | -0.01 | -0.01 | -0.02 | -0.01 | 0.16 | -0.03 | 0.03 | 0.10 | 0.08 | 0.05 | 0.00 | 0.03 | -0.01 | -0.06 | 0.02 | 0.10 | -0.01 | 0.01 | -0.06 | -0.02 | 0.02 | 0.03 | 0.01 | -0.02 | -0.04 | -0.09 | 0.02 | 0.07 | -0.01 | -0.08 | -0.09 | -0.02 | 0.02 | 0.04 | 0.00 | 0.02 | -0.02 | -0.10 | 0.01 | 0.01 | -0.05 | 0.00 | -0.04 | -0.01 | 0.06 | -0.06 | 0.02 | -0.04 | -0.05 | 0.02 | -0.02 | 0.01 | -0.03 | 0.09 | -0.09 | 0.01 | -0.05 | 0.02 | -0.05 | 0.02 | 0.02 | 0.01 | -0.05 | -0.03 | 0.01 | 0.03 | -0.03 | -0.03 | -0.01 | -0.02 | 0.02 | 0.01 | 0.01 |
| Purc.Trig8 | 0.10 | 0.14 | 0.02 | 0.05 | -0.03 | 0.05 | -0.04 | 0.04 | 0.01 | 0.12 | -0.06 | -0.10 | -0.08 | -0.01 | 0.10 | 0.00 | 0.00 | 0.08 | -0.07 | -0.14 | 0.08 | 0.06 | 0.07 | -0.06 | 0.08 | 0.02 | 0.12 | -0.03 | -0.03 | 0.02 | 0.08 | -0.12 | 0.05 | -0.19 | -0.01 | 0.11 | 0.05 | -0.05 | -0.09 | 0.12 | -0.03 | 0.00 | 0.06 | 0.19 | -0.05 | -0.02 | 0.20 | 0.07 | 0.12 | -0.14 | -0.03 | -0.03 | 0.13 | 0.22 | 0.07 | -0.03 | 0.13 | -0.10 | 0.02 | -0.05 | 0.05 | -0.02 | 0.04 | -0.02 | -0.11 | 0.06 | 0.13 | -0.07 | 0.12 | 0.03 | 0.04 | -0.02 | 0.11 | 0.06 | -0.03 | 0.00 | 0.09 | 0.03 | 0.11 | 0.03 | 0.09 | -0.09 | 0.03 | 0.10 | -0.10 | 0.16 | 0.07 | -0.05 | -0.07 | 0.08 | 0.06 | 0.01 | 0.02 | 0.15 | -0.16 | 0.06 | -0.11 |
| L.H.Res6 | 0.10 | -0.01 | -0.01 | -0.05 | -0.06 | 0.09 | 0.08 | 0.04 | 0.28 | 0.01 | 0.08 | 0.15 | 0.30 | 0.26 | 0.02 | 0.06 | 0.01 | 0.07 | 0.09 | -0.04 | 0.03 | 0.16 | 0.01 | 0.21 | -0.09 | -0.05 | 0.01 | -0.07 | 0.03 | 0.00 | 0.01 | -0.07 | 0.02 | -0.03 | 0.01 | 0.00 | 0.13 | -0.05 | 0.00 | -0.03 | 0.13 | -0.06 | 0.15 | 0.07 | 0.13 | 0.07 | -0.06 | -0.07 | -0.04 | -0.04 | -0.13 | 0.05 | 0.00 | 0.05 | 0.12 | -0.01 | -0.07 | -0.01 | -0.12 | -0.06 | 0.17 | -0.12 | -0.02 | 0.09 | -0.06 | -0.10 | -0.06 | -0.12 | 0.09 | 0.01 | -0.09 | -0.07 | 0.15 | 0.14 | 0.02 | 0.00 | -0.01 | 0.06 | -0.10 | -0.05 | 0.04 | -0.02 | 0.13 | 0.08 | 0.08 | -0.07 | 0.06 | 0.06 | 0.17 | 0.06 | 0.00 | 0.01 | 0.04 | -0.05 | 0.01 | -0.02 | -0.07 |
| Gen.SalesChan6 | 0.10 | 0.06 | 0.04 | -0.01 | -0.09 | 0.01 | -0.10 | 0.00 | 0.01 | 0.01 | -0.09 | -0.03 | 0.78 | 0.10 | 0.01 | -0.03 | 0.04 | -0.02 | -0.01 | -0.05 | 0.01 | 0.04 | 0.02 | 0.00 | 0.05 | 0.03 | -0.02 | -0.06 | 0.05 | 0.02 | -0.04 | -0.02 | -0.01 | 0.00 | -0.04 | -0.10 | 0.00 | -0.06 | 0.11 | -0.04 | -0.04 | 0.04 | -0.05 | 0.00 | 0.05 | -0.03 | -0.08 | -0.04 | 0.04 | -0.01 | 0.08 | 0.04 | -0.03 | 0.00 | -0.10 | 0.01 | 0.00 | 0.05 | -0.01 | 0.08 | -0.05 | -0.08 | -0.04 | 0.00 | 0.02 | -0.02 | 0.00 | -0.01 | -0.10 | 0.01 | 0.07 | 0.03 | 0.03 | 0.01 | -0.06 | 0.05 | -0.01 | -0.03 | 0.02 | -0.01 | 0.00 | -0.02 | 0.07 | -0.01 | 0.04 | -0.03 | 0.03 | 0.02 | -0.01 | -0.01 | -0.06 | -0.02 | 0.04 | -0.02 | -0.03 | 0.03 | 0.01 |
| Switch.Drivers5 | 0.10 | 0.13 | -0.07 | 0.04 | 0.19 | -0.02 | 0.05 | 0.09 | 0.04 | -0.03 | 0.08 | 0.06 | 0.07 | 0.02 | 0.02 | 0.07 | -0.04 | 0.01 | 0.01 | 0.15 | 0.03 | 0.06 | 0.08 | -0.10 | -0.09 | -0.01 | -0.03 | -0.05 | 0.09 | -0.03 | 0.06 | 0.05 | 0.04 | 0.06 | -0.06 | 0.00 | 0.01 | -0.02 | -0.01 | -0.03 | -0.04 | -0.05 | 0.08 | 0.00 | 0.00 | -0.02 | -0.05 | -0.08 | -0.05 | -0.05 | -0.03 | -0.04 | 0.02 | 0.04 | -0.05 | 0.07 | -0.12 | -0.01 | -0.01 | -0.01 | 0.03 | 0.03 | -0.07 | 0.05 | 0.14 | 0.04 | 0.07 | 0.08 | 0.01 | -0.03 | -0.02 | -0.06 | -0.08 | 0.10 | 0.00 | -0.02 | -0.02 | -0.01 | 0.04 | -0.03 | -0.06 | 0.05 | 0.64 | 0.00 | 0.02 | -0.03 | 0.02 | -0.04 | 0.04 | -0.01 | -0.03 | -0.01 | 0.05 | 0.01 | 0.04 | -0.05 | 0.01 |
| Savings3 | 0.09 | -0.03 | 0.12 | -0.05 | -0.02 | -0.01 | 0.10 | 0.04 | 0.01 | 0.02 | 0.14 | -0.11 | 0.02 | -0.13 | 0.02 | 0.05 | 0.00 | 0.13 | 0.16 | 0.23 | 0.08 | 0.00 | 0.03 | 0.09 | -0.03 | 0.08 | -0.03 | 0.00 | 0.27 | -0.12 | 0.01 | 0.12 | 0.07 | -0.09 | 0.00 | 0.06 | 0.01 | -0.01 | -0.10 | -0.02 | 0.13 | 0.05 | 0.06 | 0.14 | 0.06 | -0.11 | 0.06 | -0.09 | 0.03 | 0.03 | 0.00 | -0.07 | -0.10 | -0.05 | 0.04 | 0.10 | 0.00 | 0.04 | -0.04 | -0.01 | 0.00 | -0.13 | 0.02 | 0.13 | 0.05 | -0.01 | 0.11 | 0.13 | 0.05 | 0.06 | -0.03 | 0.13 | 0.07 | -0.06 | 0.01 | 0.08 | 0.04 | -0.05 | -0.01 | 0.14 | 0.00 | 0.15 | 0.08 | 0.07 | 0.06 | -0.04 | 0.11 | 0.01 | 0.11 | -0.22 | -0.14 | -0.02 | -0.01 | -0.03 | -0.09 | -0.14 | 0.03 |
| Media5 | 0.09 | 0.11 | -0.03 | 0.01 | 0.08 | 0.09 | -0.05 | 0.12 | -0.01 | 0.06 | 0.12 | -0.06 | -0.06 | 0.03 | -0.05 | -0.04 | 0.01 | 0.26 | 0.08 | 0.05 | 0.12 | 0.17 | 0.16 | 0.13 | -0.02 | 0.07 | 0.05 | -0.01 | -0.04 | 0.10 | 0.21 | -0.06 | -0.03 | 0.41 | 0.02 | -0.06 | 0.00 | 0.11 | 0.05 | 0.03 | -0.01 | -0.05 | 0.02 | 0.02 | -0.04 | -0.03 | -0.06 | -0.02 | -0.03 | 0.14 | 0.06 | -0.01 | 0.03 | -0.03 | 0.01 | 0.01 | 0.03 | -0.03 | 0.00 | -0.09 | 0.00 | -0.03 | 0.06 | 0.05 | 0.10 | -0.03 | 0.14 | 0.01 | -0.05 | 0.01 | 0.15 | -0.18 | 0.03 | 0.04 | 0.07 | 0.04 | 0.04 | 0.08 | 0.01 | 0.04 | 0.02 | -0.12 | 0.07 | -0.06 | -0.02 | 0.05 | 0.00 | -0.06 | -0.02 | 0.02 | 0.03 | 0.11 | -0.06 | 0.00 | -0.03 | 0.05 | 0.02 |
| Media16 | 0.09 | 0.10 | 0.10 | -0.02 | 0.06 | 0.07 | -0.07 | 0.07 | 0.18 | 0.10 | -0.02 | -0.02 | -0.04 | 0.05 | 0.01 | -0.02 | 0.01 | 0.16 | 0.08 | 0.02 | 0.04 | 0.15 | 0.08 | 0.01 | 0.32 | 0.08 | -0.03 | 0.07 | 0.01 | 0.11 | -0.03 | 0.01 | -0.01 | 0.02 | -0.07 | 0.12 | -0.02 | 0.03 | 0.01 | -0.08 | 0.03 | 0.14 | 0.12 | 0.17 | 0.09 | -0.07 | 0.09 | 0.22 | -0.11 | -0.10 | -0.06 | -0.05 | -0.05 | -0.05 | -0.03 | 0.09 | 0.00 | 0.20 | 0.05 | -0.06 | 0.02 | 0.10 | -0.12 | -0.03 | -0.02 | 0.20 | -0.14 | 0.01 | -0.03 | 0.08 | 0.06 | -0.01 | -0.07 | -0.01 | -0.06 | -0.04 | 0.03 | -0.09 | -0.02 | -0.02 | 0.01 | -0.10 | 0.04 | 0.08 | 0.03 | 0.05 | 0.13 | 0.04 | -0.02 | 0.11 | -0.03 | 0.08 | -0.07 | 0.10 | -0.03 | 0.11 | -0.07 |
| L.H.Needs10 | 0.09 | 0.49 | 0.12 | 0.00 | 0.04 | 0.10 | 0.04 | 0.17 | 0.00 | 0.04 | -0.09 | -0.01 | 0.04 | 0.12 | 0.28 | -0.04 | 0.10 | 0.05 | 0.03 | -0.01 | 0.03 | 0.05 | -0.07 | 0.05 | 0.02 | -0.10 | -0.03 | 0.07 | -0.08 | 0.03 | -0.01 | 0.14 | 0.14 | 0.22 | 0.02 | -0.01 | -0.06 | -0.02 | 0.09 | -0.06 | 0.08 | -0.06 | 0.03 | -0.07 | -0.01 | 0.10 | -0.04 | 0.04 | 0.12 | -0.06 | 0.04 | -0.05 | 0.02 | -0.07 | -0.11 | -0.06 | -0.07 | 0.08 | 0.08 | -0.08 | -0.07 | 0.00 | -0.05 | -0.02 | 0.04 | 0.12 | 0.12 | 0.03 | -0.04 | 0.09 | 0.04 | -0.03 | 0.01 | 0.07 | -0.04 | 0.08 | 0.11 | 0.03 | -0.05 | 0.08 | -0.02 | 0.03 | 0.04 | 0.01 | -0.03 | -0.04 | 0.05 | 0.02 | 0.01 | -0.03 | 0.01 | 0.02 | -0.01 | 0.12 | 0.03 | 0.03 | -0.02 |
| Ins.Brands20 | 0.09 | 0.07 | 0.50 | -0.01 | 0.13 | -0.09 | -0.01 | -0.02 | -0.07 | -0.13 | 0.05 | -0.02 | 0.07 | 0.06 | 0.05 | 0.07 | -0.04 | -0.03 | 0.01 | -0.06 | -0.09 | 0.19 | 0.00 | 0.00 | 0.05 | 0.07 | 0.00 | 0.03 | 0.03 | -0.08 | 0.03 | -0.03 | -0.07 | 0.01 | 0.12 | 0.01 | 0.04 | 0.23 | 0.02 | 0.11 | 0.04 | 0.00 | 0.08 | -0.14 | 0.08 | 0.06 | 0.04 | -0.04 | -0.04 | -0.02 | 0.09 | 0.04 | 0.10 | 0.00 | -0.13 | -0.02 | -0.03 | 0.06 | -0.05 | -0.01 | -0.08 | 0.02 | -0.16 | 0.01 | -0.06 | 0.04 | -0.02 | 0.03 | -0.16 | -0.05 | -0.14 | -0.01 | -0.08 | -0.10 | 0.05 | -0.02 | 0.04 | -0.06 | 0.05 | -0.07 | -0.04 | -0.17 | -0.06 | 0.05 | 0.05 | 0.07 | -0.02 | -0.01 | -0.01 | -0.15 | 0.00 | 0.02 | 0.05 | 0.00 | -0.02 | 0.05 | -0.06 |
| Purc.Trig11 | 0.09 | -0.01 | 0.15 | -0.02 | -0.04 | 0.05 | 0.13 | 0.04 | 0.09 | 0.38 | 0.10 | 0.00 | -0.03 | 0.17 | 0.05 | 0.12 | 0.00 | -0.15 | 0.03 | -0.01 | 0.02 | 0.07 | 0.03 | 0.00 | -0.01 | -0.01 | -0.01 | -0.09 | -0.09 | 0.05 | 0.08 | 0.19 | 0.03 | -0.04 | -0.04 | -0.02 | -0.10 | -0.04 | 0.00 | 0.00 | 0.00 | -0.01 | 0.03 | -0.11 | 0.10 | 0.00 | 0.35 | 0.02 | -0.02 | 0.10 | 0.05 | 0.01 | 0.08 | 0.03 | -0.02 | 0.06 | 0.11 | 0.00 | 0.05 | 0.00 | 0.00 | 0.04 | 0.17 | 0.04 | -0.05 | 0.12 | 0.09 | -0.01 | 0.08 | 0.23 | -0.04 | 0.01 | -0.03 | -0.12 | 0.00 | 0.01 | -0.07 | -0.10 | 0.04 | 0.06 | -0.03 | 0.03 | 0.02 | 0.16 | -0.08 | -0.04 | -0.05 | -0.01 | -0.01 | -0.05 | 0.15 | 0.03 | 0.00 | 0.03 | -0.08 | 0.10 | 0.02 |
| Gen.Res2 | 0.09 | 0.07 | 0.06 | 0.02 | 0.06 | 0.05 | 0.60 | -0.08 | 0.12 | 0.22 | 0.11 | 0.15 | 0.07 | 0.05 | 0.06 | 0.14 | 0.02 | -0.09 | 0.15 | 0.00 | 0.04 | 0.09 | 0.06 | -0.11 | 0.03 | 0.03 | -0.01 | 0.04 | 0.11 | 0.15 | -0.01 | 0.07 | -0.05 | 0.06 | -0.03 | 0.05 | 0.00 | 0.05 | -0.02 | 0.14 | -0.02 | -0.07 | -0.10 | 0.01 | -0.07 | 0.04 | 0.07 | 0.01 | 0.05 | 0.06 | 0.06 | -0.07 | 0.01 | 0.04 | -0.05 | 0.05 | -0.08 | 0.00 | 0.06 | -0.05 | 0.11 | -0.04 | 0.06 | 0.05 | -0.02 | 0.03 | 0.03 | 0.00 | -0.02 | 0.03 | 0.04 | 0.01 | 0.00 | -0.07 | -0.05 | -0.01 | 0.03 | -0.10 | 0.05 | -0.07 | 0.06 | 0.07 | 0.08 | -0.06 | -0.03 | -0.03 | 0.04 | -0.10 | -0.01 | -0.04 | -0.01 | 0.02 | -0.01 | 0.03 | 0.08 | 0.08 | 0.00 |
| Digital.Purchase2 | 0.09 | -0.04 | 0.06 | -0.02 | -0.02 | -0.01 | 0.10 | 0.05 | 0.06 | 0.02 | 0.13 | 0.20 | 0.06 | 0.15 | -0.05 | -0.01 | 0.05 | 0.02 | 0.69 | 0.05 | -0.05 | 0.09 | 0.03 | 0.03 | 0.17 | 0.00 | -0.03 | 0.05 | 0.04 | 0.03 | 0.03 | 0.07 | 0.05 | 0.01 | 0.03 | -0.02 | -0.03 | 0.03 | 0.03 | 0.06 | 0.04 | 0.05 | 0.04 | 0.00 | 0.00 | -0.04 | 0.02 | 0.00 | -0.05 | -0.02 | -0.01 | 0.06 | 0.07 | 0.03 | 0.04 | 0.03 | -0.03 | 0.04 | 0.08 | -0.01 | 0.02 | 0.11 | 0.08 | -0.06 | 0.05 | 0.06 | -0.01 | 0.02 | -0.01 | -0.01 | -0.02 | 0.00 | -0.02 | -0.05 | 0.01 | 0.02 | 0.02 | -0.02 | 0.03 | -0.01 | 0.02 | 0.08 | -0.04 | 0.05 | 0.06 | -0.02 | -0.03 | 0.06 | -0.01 | 0.02 | -0.03 | 0.02 | -0.14 | -0.01 | 0.04 | 0.03 | -0.05 |
| L.H.SalesChan3 | 0.09 | 0.07 | 0.11 | -0.01 | -0.23 | -0.05 | 0.16 | -0.01 | 0.08 | 0.04 | 0.06 | 0.66 | 0.04 | 0.07 | 0.02 | 0.08 | 0.05 | -0.04 | 0.15 | 0.01 | 0.03 | 0.05 | -0.07 | -0.04 | 0.04 | 0.03 | -0.01 | 0.00 | 0.01 | -0.01 | -0.05 | 0.10 | -0.09 | -0.03 | -0.02 | 0.02 | 0.01 | -0.02 | -0.05 | 0.00 | 0.06 | 0.00 | 0.12 | 0.03 | 0.01 | -0.01 | -0.08 | 0.02 | -0.05 | 0.02 | 0.02 | -0.03 | -0.06 | 0.06 | 0.05 | 0.02 | -0.06 | 0.00 | -0.07 | -0.01 | 0.01 | -0.10 | 0.09 | -0.03 | -0.02 | -0.03 | -0.05 | -0.01 | 0.06 | 0.00 | 0.06 | 0.05 | 0.04 | 0.00 | 0.02 | 0.00 | 0.01 | 0.00 | 0.02 | -0.08 | -0.01 | -0.02 | 0.07 | 0.11 | 0.05 | 0.02 | -0.03 | 0.01 | 0.01 | 0.08 | -0.11 | -0.03 | 0.02 | -0.05 | -0.05 | 0.12 | 0.03 |
| Fin.Attitude3 | 0.08 | -0.06 | 0.00 | 0.00 | 0.02 | 0.17 | 0.03 | 0.05 | -0.07 | -0.08 | 0.08 | -0.03 | 0.02 | -0.05 | 0.14 | -0.03 | -0.13 | 0.00 | 0.03 | 0.00 | 0.03 | 0.08 | 0.11 | 0.33 | -0.04 | -0.02 | -0.03 | 0.00 | -0.05 | 0.06 | 0.16 | -0.04 | 0.11 | 0.14 | 0.03 | -0.08 | 0.04 | -0.07 | 0.09 | 0.00 | 0.03 | 0.00 | 0.03 | -0.12 | 0.08 | 0.10 | -0.10 | -0.09 | 0.01 | 0.12 | -0.13 | 0.08 | 0.12 | -0.02 | 0.11 | 0.00 | 0.10 | -0.01 | 0.11 | -0.02 | 0.01 | -0.05 | -0.03 | 0.15 | -0.09 | 0.03 | 0.03 | 0.01 | -0.09 | -0.12 | 0.06 | -0.02 | -0.32 | 0.08 | -0.02 | -0.04 | -0.02 | 0.02 | 0.00 | 0.08 | 0.06 | 0.14 | -0.09 | 0.04 | -0.08 | -0.09 | -0.09 | 0.01 | 0.02 | -0.10 | -0.08 | 0.00 | 0.06 | -0.05 | 0.15 | -0.06 | -0.10 |
| Media15 | 0.08 | 0.02 | 0.11 | 0.00 | 0.02 | 0.05 | 0.11 | 0.01 | 0.12 | 0.78 | 0.03 | 0.07 | -0.02 | -0.01 | 0.04 | 0.08 | 0.01 | 0.02 | 0.00 | -0.04 | -0.01 | -0.06 | 0.01 | 0.01 | 0.06 | 0.03 | 0.01 | -0.01 | 0.04 | 0.05 | 0.05 | 0.14 | 0.03 | 0.00 | 0.01 | -0.06 | 0.00 | 0.02 | -0.01 | -0.03 | 0.06 | 0.00 | 0.01 | -0.01 | 0.04 | 0.01 | -0.02 | 0.00 | -0.02 | 0.12 | 0.00 | 0.02 | -0.04 | -0.04 | -0.01 | -0.01 | -0.01 | 0.04 | 0.01 | -0.01 | 0.03 | -0.02 | -0.01 | -0.03 | -0.04 | -0.01 | 0.02 | 0.03 | 0.05 | -0.07 | 0.00 | 0.02 | -0.01 | 0.01 | 0.00 | 0.01 | 0.04 | -0.05 | -0.04 | 0.00 | 0.02 | -0.05 | 0.02 | 0.05 | -0.05 | 0.04 | -0.06 | -0.01 | 0.00 | 0.01 | 0.00 | -0.01 | -0.07 | 0.01 | 0.01 | -0.02 | 0.02 |
| DataSharing.Attitude1 | 0.08 | 0.08 | -0.01 | -0.02 | 0.11 | 0.06 | 0.07 | 0.00 | 0.03 | 0.07 | 0.09 | 0.08 | -0.01 | 0.04 | -0.05 | -0.02 | -0.01 | -0.03 | 0.10 | 0.07 | 0.08 | -0.03 | 0.05 | 0.04 | 0.07 | 0.07 | -0.03 | 0.03 | 0.06 | 0.01 | -0.01 | 0.08 | 0.05 | 0.06 | 0.01 | 0.06 | -0.03 | 0.05 | 0.01 | 0.02 | 0.72 | -0.01 | 0.02 | -0.02 | 0.05 | 0.06 | -0.04 | 0.06 | -0.01 | 0.11 | 0.03 | -0.04 | -0.04 | 0.08 | 0.03 | 0.02 | 0.04 | 0.04 | 0.02 | 0.01 | 0.00 | 0.05 | 0.08 | -0.04 | 0.06 | 0.03 | 0.06 | 0.02 | 0.00 | -0.02 | 0.07 | 0.06 | 0.06 | 0.03 | -0.04 | 0.05 | 0.03 | -0.03 | -0.04 | 0.10 | 0.08 | 0.02 | -0.02 | 0.04 | 0.06 | 0.03 | 0.02 | 0.06 | -0.05 | 0.03 | 0.00 | 0.02 | 0.06 | 0.02 | 0.01 | 0.10 | 0.01 |
| Ins.Brands2 | 0.08 | 0.06 | 0.34 | -0.03 | 0.01 | -0.04 | 0.17 | -0.02 | 0.01 | 0.01 | 0.04 | -0.02 | -0.06 | 0.09 | 0.12 | -0.04 | 0.00 | -0.04 | -0.09 | 0.19 | 0.01 | -0.03 | 0.11 | 0.06 | 0.26 | -0.05 | -0.02 | -0.01 | 0.01 | 0.13 | -0.03 | -0.02 | 0.04 | 0.05 | -0.02 | -0.10 | -0.03 | 0.01 | 0.07 | 0.08 | 0.08 | -0.05 | -0.04 | 0.12 | 0.17 | 0.06 | 0.00 | 0.00 | -0.06 | 0.05 | 0.06 | -0.03 | 0.03 | 0.06 | 0.09 | 0.07 | 0.12 | 0.25 | 0.10 | -0.09 | 0.04 | 0.10 | 0.05 | 0.00 | 0.06 | 0.04 | 0.00 | -0.05 | -0.06 | 0.02 | -0.11 | -0.01 | 0.12 | 0.05 | -0.04 | 0.05 | 0.10 | 0.03 | 0.08 | 0.00 | -0.03 | 0.04 | -0.04 | 0.19 | 0.03 | 0.11 | -0.08 | -0.01 | -0.05 | 0.09 | -0.01 | 0.00 | -0.02 | -0.07 | 0.10 | 0.04 | -0.05 |
| Ins.Brands6 | 0.08 | 0.04 | 0.45 | -0.02 | -0.07 | -0.06 | 0.13 | 0.14 | 0.12 | -0.05 | 0.03 | 0.10 | -0.01 | -0.03 | 0.09 | 0.05 | 0.01 | 0.08 | 0.00 | -0.02 | 0.06 | -0.01 | 0.03 | 0.01 | 0.12 | 0.04 | -0.04 | -0.01 | 0.10 | 0.11 | 0.13 | -0.06 | -0.01 | 0.00 | -0.08 | -0.11 | -0.01 | 0.00 | 0.05 | 0.13 | 0.01 | -0.04 | 0.02 | -0.01 | -0.04 | 0.02 | 0.06 | -0.05 | 0.02 | 0.07 | 0.02 | 0.03 | 0.07 | 0.01 | 0.20 | -0.03 | 0.08 | 0.22 | -0.05 | -0.01 | -0.06 | 0.18 | 0.07 | 0.05 | 0.06 | -0.11 | -0.01 | 0.02 | 0.09 | -0.03 | 0.06 | -0.03 | -0.08 | 0.19 | -0.04 | -0.02 | 0.07 | 0.03 | 0.11 | 0.05 | -0.04 | 0.00 | 0.08 | 0.10 | -0.01 | -0.09 | 0.06 | -0.03 | -0.10 | -0.04 | 0.05 | 0.00 | -0.01 | -0.12 | 0.00 | 0.01 | 0.03 |
| Ins.Brands11 | 0.08 | 0.08 | 0.18 | -0.02 | 0.02 | -0.04 | 0.02 | 0.08 | -0.06 | -0.08 | -0.06 | 0.04 | 0.03 | 0.08 | 0.07 | -0.03 | 0.07 | 0.10 | 0.11 | 0.05 | 0.04 | 0.00 | 0.25 | 0.02 | 0.07 | 0.10 | 0.09 | 0.04 | 0.14 | -0.07 | 0.03 | -0.17 | 0.04 | 0.05 | 0.12 | -0.06 | -0.02 | 0.02 | 0.15 | -0.12 | -0.02 | 0.02 | 0.02 | -0.05 | 0.12 | -0.01 | 0.05 | 0.00 | -0.03 | 0.08 | 0.00 | -0.02 | 0.10 | -0.02 | 0.13 | -0.06 | 0.05 | -0.06 | 0.00 | -0.10 | -0.02 | -0.01 | -0.06 | 0.07 | 0.02 | -0.20 | -0.02 | -0.07 | -0.06 | -0.03 | 0.18 | -0.18 | -0.08 | 0.07 | -0.05 | 0.05 | -0.16 | 0.01 | -0.01 | 0.20 | -0.05 | 0.00 | 0.09 | -0.12 | -0.01 | 0.02 | 0.08 | -0.21 | 0.00 | 0.00 | 0.04 | 0.08 | 0.06 | -0.17 | 0.07 | -0.05 | -0.12 |
| Ins.Brands14 | 0.08 | 0.12 | 0.28 | 0.00 | -0.01 | 0.23 | 0.05 | 0.14 | 0.04 | -0.01 | 0.07 | 0.13 | 0.00 | -0.05 | 0.00 | -0.01 | 0.07 | 0.03 | -0.10 | 0.03 | 0.02 | -0.01 | -0.04 | 0.13 | 0.01 | 0.03 | -0.02 | 0.04 | 0.08 | 0.04 | -0.04 | 0.00 | 0.08 | 0.07 | -0.01 | 0.09 | 0.24 | -0.14 | 0.13 | 0.09 | 0.03 | 0.02 | -0.24 | -0.07 | 0.09 | 0.06 | 0.05 | 0.05 | -0.09 | 0.00 | 0.05 | 0.07 | 0.03 | -0.03 | 0.09 | 0.02 | 0.03 | -0.08 | -0.05 | 0.14 | -0.05 | -0.04 | -0.13 | 0.05 | 0.07 | -0.04 | 0.06 | 0.02 | 0.10 | 0.14 | 0.13 | -0.17 | -0.11 | -0.04 | -0.05 | 0.13 | -0.07 | -0.06 | -0.03 | -0.03 | 0.07 | 0.15 | 0.06 | 0.04 | -0.04 | 0.07 | 0.01 | -0.03 | -0.13 | -0.04 | 0.00 | 0.06 | 0.07 | 0.04 | 0.07 | 0.16 | -0.01 |
| Ins.Brands17 | 0.08 | 0.06 | 0.47 | -0.01 | -0.05 | 0.17 | 0.13 | -0.10 | -0.02 | -0.01 | 0.07 | 0.01 | -0.03 | 0.02 | 0.01 | 0.03 | -0.03 | -0.09 | 0.02 | -0.18 | 0.01 | -0.06 | 0.02 | 0.04 | 0.12 | -0.10 | 0.03 | -0.06 | 0.01 | -0.06 | 0.12 | 0.06 | 0.04 | 0.16 | 0.08 | 0.15 | 0.08 | -0.05 | 0.11 | -0.08 | -0.02 | -0.08 | -0.08 | 0.12 | 0.00 | 0.00 | -0.04 | 0.02 | -0.02 | 0.04 | 0.01 | -0.06 | -0.01 | 0.02 | 0.00 | 0.09 | -0.05 | -0.02 | 0.09 | -0.05 | 0.06 | -0.03 | 0.05 | 0.02 | 0.06 | 0.07 | -0.06 | 0.05 | 0.13 | -0.06 | -0.04 | -0.07 | 0.02 | 0.05 | 0.01 | 0.02 | -0.17 | 0.05 | -0.12 | 0.02 | -0.07 | -0.06 | -0.10 | -0.01 | 0.04 | 0.07 | 0.02 | 0.02 | -0.07 | 0.14 | 0.09 | -0.02 | -0.02 | 0.14 | 0.13 | -0.04 | -0.02 |
| Employer.Ins4 | 0.08 | 0.05 | 0.03 | -0.01 | -0.04 | 0.08 | 0.05 | -0.01 | 0.02 | 0.19 | 0.07 | 0.09 | 0.03 | -0.02 | 0.07 | 0.06 | 0.03 | -0.06 | -0.03 | 0.08 | 0.04 | -0.02 | 0.00 | -0.07 | 0.02 | 0.06 | 0.01 | 0.02 | 0.04 | 0.02 | -0.01 | 0.66 | 0.02 | -0.05 | 0.04 | 0.00 | 0.01 | -0.02 | 0.04 | 0.05 | 0.08 | 0.04 | 0.12 | 0.05 | -0.04 | 0.03 | 0.01 | 0.01 | 0.01 | 0.05 | 0.05 | -0.02 | 0.06 | -0.04 | -0.02 | 0.06 | 0.00 | 0.04 | 0.07 | -0.02 | -0.01 | -0.04 | 0.04 | 0.03 | -0.03 | 0.01 | -0.03 | 0.05 | 0.15 | 0.05 | -0.06 | 0.07 | -0.07 | -0.14 | -0.03 | -0.02 | -0.02 | -0.02 | -0.01 | -0.02 | 0.02 | 0.06 | 0.03 | 0.00 | 0.07 | 0.04 | -0.05 | 0.09 | 0.02 | 0.01 | -0.15 | -0.11 | 0.08 | 0.03 | -0.02 | 0.04 | 0.00 |
| L.H.Lack7 | 0.08 | 0.21 | 0.04 | 0.07 | 0.04 | 0.12 | 0.17 | 0.33 | 0.06 | 0.04 | 0.05 | 0.04 | 0.06 | -0.01 | 0.12 | 0.01 | -0.03 | 0.12 | 0.05 | -0.03 | 0.01 | -0.01 | 0.19 | -0.03 | -0.08 | -0.03 | 0.01 | 0.05 | 0.02 | -0.07 | 0.06 | -0.09 | -0.12 | 0.00 | 0.02 | -0.02 | 0.07 | -0.16 | 0.04 | -0.02 | 0.06 | 0.09 | -0.05 | 0.12 | 0.13 | -0.08 | 0.04 | -0.03 | 0.04 | 0.03 | -0.11 | 0.03 | 0.09 | 0.05 | -0.04 | 0.04 | 0.04 | -0.01 | 0.10 | 0.06 | 0.05 | -0.13 | 0.02 | 0.08 | 0.07 | -0.04 | -0.08 | -0.04 | 0.02 | -0.03 | 0.15 | -0.22 | -0.03 | -0.22 | 0.05 | 0.02 | -0.05 | 0.05 | -0.09 | 0.03 | 0.03 | 0.00 | 0.15 | 0.02 | 0.07 | 0.13 | -0.10 | -0.02 | 0.10 | 0.01 | 0.01 | 0.00 | 0.14 | 0.03 | 0.07 | -0.02 | 0.08 |
| L.H.Lack8 | 0.08 | 0.26 | 0.12 | 0.06 | 0.10 | 0.20 | 0.07 | 0.15 | 0.10 | -0.06 | 0.05 | 0.09 | 0.08 | 0.03 | 0.12 | 0.02 | -0.02 | 0.04 | 0.04 | 0.06 | 0.03 | 0.05 | -0.02 | 0.02 | -0.06 | 0.04 | 0.00 | 0.08 | 0.02 | 0.06 | 0.03 | 0.05 | -0.01 | -0.01 | -0.01 | -0.04 | 0.03 | 0.00 | -0.01 | 0.01 | 0.09 | 0.07 | 0.11 | 0.03 | 0.04 | 0.01 | 0.03 | 0.02 | 0.01 | -0.03 | 0.09 | -0.01 | 0.02 | 0.01 | 0.06 | -0.11 | 0.07 | -0.04 | 0.09 | -0.04 | 0.04 | 0.09 | 0.07 | 0.06 | -0.06 | -0.04 | 0.00 | -0.11 | -0.02 | 0.02 | 0.60 | 0.03 | -0.01 | 0.12 | -0.04 | -0.04 | 0.04 | 0.00 | -0.03 | -0.05 | 0.00 | 0.09 | -0.01 | 0.02 | 0.04 | 0.03 | -0.08 | -0.06 | 0.06 | 0.04 | 0.04 | -0.01 | 0.01 | -0.05 | -0.08 | 0.01 | -0.04 |
| L.H.Res4 | 0.08 | 0.06 | 0.03 | -0.03 | 0.10 | 0.08 | 0.66 | 0.08 | 0.12 | -0.04 | 0.06 | 0.16 | 0.02 | 0.04 | -0.03 | 0.01 | 0.05 | 0.08 | 0.13 | 0.09 | 0.03 | 0.05 | -0.03 | -0.03 | 0.07 | 0.08 | -0.01 | 0.00 | -0.03 | 0.10 | 0.01 | 0.06 | 0.02 | -0.05 | 0.08 | -0.03 | -0.03 | -0.06 | 0.04 | 0.02 | -0.01 | 0.08 | 0.06 | 0.01 | -0.04 | 0.00 | 0.11 | -0.04 | 0.05 | -0.10 | 0.10 | 0.00 | 0.05 | 0.01 | 0.09 | 0.00 | 0.03 | 0.01 | -0.01 | -0.13 | -0.10 | 0.04 | -0.01 | -0.05 | -0.01 | -0.03 | -0.02 | 0.06 | 0.05 | 0.02 | -0.08 | 0.07 | -0.03 | 0.04 | -0.03 | -0.07 | -0.02 | 0.06 | 0.01 | -0.03 | 0.01 | 0.07 | 0.01 | 0.05 | 0.02 | -0.11 | 0.17 | -0.02 | -0.06 | 0.00 | -0.04 | -0.02 | 0.05 | 0.00 | -0.10 | 0.07 | -0.02 |
| Gen.Res7 | 0.08 | 0.07 | 0.08 | -0.02 | -0.06 | 0.05 | 0.00 | 0.07 | 0.15 | 0.03 | 0.04 | 0.03 | 0.08 | 0.82 | 0.05 | -0.02 | -0.01 | 0.02 | 0.02 | 0.00 | 0.03 | 0.06 | 0.02 | 0.01 | 0.08 | 0.00 | 0.00 | -0.01 | -0.04 | 0.03 | -0.06 | -0.03 | 0.05 | 0.01 | 0.01 | -0.03 | 0.04 | -0.03 | 0.05 | 0.02 | 0.04 | 0.01 | 0.03 | 0.01 | 0.02 | -0.02 | -0.04 | -0.03 | 0.02 | 0.03 | -0.02 | 0.02 | 0.04 | 0.02 | 0.01 | 0.00 | -0.02 | 0.01 | -0.01 | -0.02 | -0.03 | 0.03 | -0.04 | 0.00 | -0.06 | -0.01 | -0.02 | 0.04 | -0.01 | 0.01 | 0.03 | -0.02 | 0.00 | 0.05 | 0.04 | 0.02 | -0.01 | 0.01 | -0.01 | -0.03 | 0.03 | -0.02 | 0.00 | 0.02 | 0.00 | 0.01 | 0.05 | 0.00 | -0.05 | 0.03 | 0.01 | -0.01 | -0.01 | -0.05 | 0.01 | 0.07 | 0.00 |
| Online.Purchase4 | 0.07 | 0.13 | 0.07 | -0.04 | 0.00 | -0.01 | 0.03 | -0.08 | 0.16 | 0.03 | -0.02 | 0.02 | 0.11 | 0.02 | 0.18 | -0.02 | 0.04 | 0.06 | 0.08 | 0.02 | 0.06 | 0.08 | -0.09 | 0.03 | -0.08 | 0.06 | -0.04 | -0.12 | -0.01 | 0.02 | -0.07 | 0.04 | 0.13 | 0.06 | 0.13 | 0.08 | 0.09 | -0.03 | 0.07 | 0.07 | 0.11 | 0.05 | -0.02 | 0.10 | 0.07 | 0.00 | -0.02 | 0.07 | -0.03 | 0.03 | 0.09 | -0.04 | 0.06 | 0.03 | 0.07 | -0.01 | -0.20 | 0.20 | 0.01 | -0.25 | 0.06 | 0.03 | -0.07 | -0.06 | 0.09 | -0.01 | 0.11 | -0.03 | -0.01 | 0.17 | 0.04 | 0.01 | -0.06 | -0.03 | 0.04 | 0.38 | -0.01 | 0.08 | 0.03 | -0.05 | -0.05 | 0.03 | -0.12 | 0.03 | 0.05 | 0.05 | -0.06 | -0.05 | 0.03 | 0.03 | 0.09 | -0.04 | -0.03 | -0.04 | 0.04 | 0.08 | -0.05 |
| Media11 | 0.07 | 0.01 | 0.01 | -0.04 | 0.06 | 0.02 | 0.08 | 0.04 | 0.16 | 0.21 | 0.02 | 0.03 | -0.01 | 0.12 | -0.01 | 0.05 | 0.07 | 0.15 | 0.05 | -0.05 | 0.01 | 0.08 | -0.05 | -0.03 | 0.24 | 0.19 | -0.06 | 0.04 | -0.18 | 0.00 | 0.06 | 0.09 | 0.04 | 0.20 | -0.01 | 0.00 | 0.01 | 0.12 | -0.04 | 0.13 | -0.01 | -0.18 | 0.02 | 0.05 | 0.07 | -0.06 | 0.02 | 0.30 | 0.01 | 0.03 | -0.09 | -0.01 | -0.02 | 0.10 | -0.04 | 0.14 | -0.06 | 0.01 | 0.09 | -0.15 | 0.03 | -0.03 | 0.03 | -0.07 | -0.12 | 0.02 | -0.06 | -0.01 | 0.00 | 0.01 | -0.04 | 0.00 | 0.00 | -0.01 | -0.05 | 0.04 | 0.00 | -0.02 | -0.01 | 0.18 | -0.06 | -0.04 | -0.03 | -0.04 | -0.11 | -0.02 | 0.02 | -0.01 | -0.03 | 0.01 | 0.03 | -0.05 | 0.04 | 0.00 | -0.07 | 0.02 | 0.32 |
| Risk.Appetite | 0.07 | 0.03 | 0.00 | -0.09 | 0.07 | 0.00 | -0.01 | -0.16 | 0.05 | 0.06 | 0.01 | -0.01 | 0.01 | 0.02 | 0.09 | 0.05 | -0.02 | -0.04 | 0.21 | 0.15 | 0.15 | -0.03 | 0.06 | -0.12 | 0.00 | 0.11 | -0.04 | -0.01 | -0.08 | -0.03 | -0.06 | 0.01 | 0.21 | 0.07 | 0.06 | 0.01 | 0.06 | 0.06 | 0.01 | 0.01 | 0.15 | 0.15 | 0.03 | -0.02 | -0.11 | 0.25 | -0.06 | -0.04 | 0.02 | 0.11 | 0.13 | 0.06 | -0.01 | -0.07 | 0.10 | 0.05 | -0.11 | 0.08 | 0.04 | 0.03 | 0.06 | 0.06 | 0.11 | -0.05 | 0.09 | 0.04 | -0.09 | -0.15 | 0.06 | 0.11 | 0.00 | 0.00 | -0.03 | -0.12 | -0.05 | -0.03 | 0.04 | 0.01 | 0.03 | 0.09 | -0.10 | 0.11 | 0.07 | 0.05 | -0.09 | -0.01 | 0.05 | 0.08 | 0.03 | 0.01 | -0.07 | 0.24 | -0.02 | 0.16 | -0.17 | -0.06 | 0.06 |
| Inv.Behaviour3 | 0.07 | 0.01 | 0.03 | 0.06 | 0.03 | -0.05 | -0.08 | -0.06 | 0.02 | 0.03 | -0.08 | -0.11 | -0.02 | -0.03 | -0.10 | -0.01 | -0.03 | 0.02 | 0.05 | 0.11 | -0.03 | -0.02 | 0.03 | -0.03 | 0.01 | -0.04 | -0.03 | 0.00 | -0.02 | -0.05 | 0.08 | 0.01 | -0.03 | 0.02 | -0.02 | -0.03 | 0.03 | -0.05 | -0.07 | -0.10 | -0.06 | 0.00 | -0.03 | 0.01 | 0.06 | 0.14 | -0.01 | 0.05 | 0.01 | -0.02 | 0.07 | 0.06 | -0.05 | -0.75 | -0.08 | -0.06 | 0.01 | -0.04 | 0.06 | -0.02 | -0.01 | 0.05 | 0.00 | -0.05 | -0.05 | -0.05 | -0.02 | -0.12 | 0.05 | 0.00 | -0.01 | -0.02 | 0.01 | 0.01 | -0.02 | 0.06 | -0.02 | 0.06 | 0.05 | 0.00 | 0.00 | 0.05 | -0.02 | -0.03 | 0.00 | -0.10 | -0.06 | 0.04 | 0.04 | -0.02 | 0.02 | -0.10 | 0.08 | -0.05 | -0.04 | 0.10 | 0.03 |
| Inv.Behaviour5 | 0.07 | 0.03 | 0.04 | -0.04 | 0.04 | 0.02 | 0.12 | 0.04 | 0.03 | -0.02 | 0.00 | -0.01 | -0.04 | 0.03 | 0.06 | -0.02 | 0.00 | 0.02 | 0.09 | 0.09 | 0.01 | 0.06 | -0.02 | -0.09 | 0.03 | -0.03 | -0.01 | 0.02 | 0.03 | 0.00 | -0.09 | 0.07 | -0.05 | -0.01 | 0.01 | 0.00 | 0.02 | 0.04 | 0.07 | 0.79 | 0.02 | 0.03 | -0.02 | -0.01 | -0.01 | 0.10 | -0.03 | 0.00 | -0.04 | -0.04 | 0.01 | -0.01 | 0.04 | 0.07 | 0.08 | 0.02 | -0.02 | 0.08 | -0.03 | 0.03 | 0.00 | -0.01 | 0.03 | 0.03 | 0.03 | -0.03 | 0.05 | -0.05 | 0.02 | -0.04 | 0.00 | -0.06 | 0.02 | -0.10 | -0.02 | -0.02 | 0.03 | -0.03 | -0.07 | -0.01 | 0.01 | -0.01 | -0.02 | 0.06 | -0.02 | 0.04 | 0.01 | -0.01 | 0.01 | 0.03 | -0.05 | 0.04 | -0.02 | 0.05 | 0.00 | -0.03 | -0.01 |
| L.H.Needs5 | 0.07 | 0.71 | 0.05 | -0.04 | 0.03 | 0.06 | 0.08 | 0.00 | 0.05 | -0.03 | 0.06 | 0.03 | 0.00 | 0.09 | 0.16 | 0.01 | -0.05 | 0.00 | -0.02 | 0.02 | -0.03 | -0.02 | 0.00 | -0.02 | 0.11 | -0.03 | -0.01 | 0.06 | 0.01 | 0.02 | 0.01 | 0.05 | -0.10 | 0.05 | 0.00 | 0.04 | 0.00 | 0.02 | -0.03 | -0.03 | 0.03 | 0.00 | -0.02 | 0.00 | -0.10 | 0.08 | 0.01 | -0.06 | 0.09 | 0.04 | 0.02 | -0.02 | -0.04 | -0.02 | -0.08 | 0.03 | -0.16 | 0.14 | 0.03 | -0.01 | -0.04 | 0.02 | 0.07 | -0.02 | -0.05 | 0.01 | 0.01 | 0.01 | 0.03 | 0.03 | 0.16 | 0.02 | -0.06 | 0.08 | 0.02 | -0.01 | 0.03 | 0.11 | -0.01 | 0.03 | -0.03 | 0.11 | -0.02 | 0.09 | -0.01 | -0.04 | 0.05 | -0.01 | 0.02 | -0.03 | -0.07 | 0.02 | -0.02 | -0.05 | -0.02 | -0.01 | -0.03 |
| Purc.Trig9 | 0.07 | -0.01 | 0.11 | -0.02 | -0.04 | 0.13 | 0.14 | 0.05 | 0.13 | 0.43 | 0.09 | 0.08 | -0.01 | 0.14 | 0.13 | 0.05 | -0.05 | 0.06 | 0.09 | 0.07 | 0.02 | -0.06 | -0.05 | 0.01 | -0.09 | -0.01 | 0.00 | -0.04 | 0.05 | 0.06 | -0.04 | 0.09 | -0.02 | 0.08 | -0.06 | 0.00 | -0.12 | 0.00 | 0.03 | 0.02 | 0.05 | 0.04 | 0.14 | 0.07 | -0.12 | -0.15 | 0.13 | -0.07 | -0.01 | -0.01 | -0.06 | -0.07 | 0.25 | -0.02 | -0.07 | -0.03 | 0.05 | -0.08 | 0.06 | 0.01 | 0.04 | -0.04 | -0.03 | 0.07 | 0.04 | 0.08 | 0.12 | 0.00 | 0.04 | 0.17 | -0.01 | 0.03 | -0.02 | -0.04 | -0.05 | -0.02 | 0.07 | 0.06 | -0.06 | 0.14 | 0.01 | 0.16 | 0.01 | 0.14 | -0.03 | -0.09 | -0.01 | -0.02 | 0.01 | -0.11 | 0.02 | -0.16 | 0.01 | -0.02 | 0.13 | -0.02 | -0.04 |
| Gen.Res4 | 0.07 | 0.00 | 0.11 | -0.02 | 0.05 | 0.05 | 0.76 | 0.02 | 0.17 | 0.12 | 0.04 | 0.10 | 0.06 | 0.05 | 0.07 | 0.06 | 0.06 | 0.09 | 0.05 | -0.03 | 0.03 | 0.03 | -0.01 | -0.01 | -0.01 | -0.01 | 0.01 | 0.08 | -0.01 | 0.14 | -0.04 | 0.01 | 0.03 | -0.02 | -0.01 | -0.01 | 0.02 | -0.04 | 0.00 | 0.04 | 0.07 | 0.06 | 0.05 | 0.00 | -0.03 | -0.02 | -0.01 | 0.03 | 0.00 | -0.01 | -0.02 | -0.01 | -0.01 | 0.03 | 0.00 | 0.02 | -0.03 | 0.04 | 0.03 | 0.03 | 0.06 | 0.01 | 0.09 | -0.04 | -0.01 | 0.04 | -0.01 | 0.07 | -0.04 | 0.05 | 0.06 | 0.07 | 0.02 | 0.03 | -0.02 | 0.01 | 0.01 | -0.06 | -0.04 | -0.01 | 0.05 | 0.00 | -0.01 | 0.00 | 0.00 | -0.02 | 0.03 | 0.06 | 0.04 | 0.00 | 0.03 | 0.00 | -0.04 | 0.00 | -0.02 | -0.03 | 0.03 |
| InsChoice.Driver5 | 0.07 | 0.09 | 0.07 | -0.02 | 0.02 | -0.02 | 0.04 | 0.08 | 0.00 | 0.04 | -0.03 | -0.03 | -0.04 | -0.01 | 0.03 | -0.01 | -0.02 | 0.00 | 0.03 | -0.03 | 0.00 | 0.01 | -0.03 | -0.04 | -0.03 | -0.03 | 0.08 | 0.00 | 0.01 | 0.00 | -0.03 | 0.02 | 0.03 | 0.00 | 0.03 | 0.02 | 0.01 | -0.03 | 0.05 | -0.03 | 0.03 | -0.02 | -0.05 | 0.00 | -0.01 | -0.01 | 0.04 | -0.03 | -0.01 | 0.02 | -0.07 | -0.01 | 0.03 | 0.05 | -0.02 | 0.00 | 0.01 | 0.00 | 0.01 | 0.01 | -0.08 | 0.01 | 0.01 | -0.11 | 0.01 | 0.80 | 0.00 | -0.05 | 0.02 | 0.00 | 0.00 | -0.02 | -0.09 | 0.03 | -0.03 | -0.02 | -0.05 | -0.02 | 0.00 | -0.03 | 0.09 | 0.00 | 0.03 | 0.01 | -0.04 | 0.00 | -0.06 | 0.10 | 0.00 | -0.06 | 0.09 | 0.04 | -0.02 | -0.05 | -0.02 | 0.04 | -0.01 |
| Switch.Drivers1 | 0.07 | -0.05 | 0.11 | 0.04 | 0.09 | -0.04 | -0.06 | 0.07 | 0.07 | 0.06 | 0.09 | -0.02 | 0.00 | 0.03 | 0.03 | 0.03 | 0.01 | 0.01 | 0.01 | 0.04 | 0.02 | -0.01 | -0.04 | 0.02 | 0.05 | 0.00 | -0.02 | 0.03 | -0.05 | -0.02 | -0.05 | 0.01 | 0.02 | -0.01 | -0.04 | 0.00 | 0.07 | -0.01 | 0.00 | -0.01 | -0.02 | 0.02 | 0.04 | -0.02 | -0.05 | 0.03 | -0.06 | -0.02 | 0.06 | -0.07 | 0.05 | 0.02 | 0.02 | 0.04 | 0.01 | -0.01 | 0.08 | 0.01 | -0.05 | 0.00 | 0.03 | -0.01 | 0.02 | 0.13 | -0.04 | -0.02 | 0.03 | -0.02 | 0.01 | -0.01 | -0.03 | -0.02 | 0.03 | -0.03 | -0.05 | -0.04 | 0.05 | -0.03 | 0.06 | -0.01 | 0.02 | 0.04 | 0.03 | -0.01 | 0.05 | 0.00 | -0.02 | -0.03 | 0.15 | 0.02 | 0.06 | 0.05 | -0.09 | -0.01 | 0.74 | -0.03 | 0.04 |
| Lifestyle8 | 0.06 | 0.00 | 0.08 | -0.09 | -0.01 | 0.02 | 0.00 | 0.01 | -0.05 | 0.04 | 0.02 | 0.08 | 0.01 | 0.12 | 0.04 | 0.07 | 0.06 | 0.02 | 0.01 | 0.01 | 0.03 | -0.01 | 0.06 | 0.03 | 0.04 | 0.01 | -0.03 | 0.08 | 0.05 | 0.00 | -0.01 | 0.01 | 0.04 | 0.04 | 0.03 | -0.01 | 0.74 | 0.10 | 0.05 | 0.03 | -0.03 | 0.04 | -0.06 | -0.03 | -0.04 | -0.04 | -0.04 | 0.05 | -0.06 | 0.00 | -0.06 | -0.04 | 0.01 | -0.04 | -0.02 | 0.05 | 0.06 | 0.05 | -0.01 | -0.05 | -0.04 | 0.10 | 0.09 | 0.02 | 0.00 | 0.00 | 0.01 | -0.07 | -0.04 | 0.06 | 0.02 | 0.03 | 0.01 | 0.01 | 0.00 | 0.02 | 0.01 | 0.06 | 0.01 | 0.06 | -0.04 | 0.08 | 0.00 | 0.01 | 0.02 | 0.02 | -0.03 | -0.03 | 0.02 | -0.03 | 0.00 | -0.03 | 0.04 | -0.04 | 0.05 | -0.02 | -0.03 |
| Fin.Attitude1 | 0.06 | 0.14 | 0.08 | 0.08 | 0.11 | 0.12 | -0.01 | -0.03 | -0.08 | 0.21 | 0.09 | 0.01 | 0.06 | 0.03 | -0.04 | -0.01 | 0.12 | 0.01 | 0.02 | 0.11 | -0.05 | 0.00 | 0.13 | -0.05 | -0.03 | -0.03 | -0.04 | 0.05 | 0.30 | 0.08 | -0.07 | 0.11 | 0.02 | -0.09 | -0.06 | 0.03 | 0.10 | 0.05 | 0.07 | -0.01 | -0.12 | 0.00 | 0.08 | 0.08 | 0.04 | -0.13 | 0.11 | 0.01 | 0.02 | -0.02 | 0.26 | -0.08 | -0.07 | -0.08 | -0.09 | 0.04 | -0.03 | 0.06 | 0.00 | 0.02 | -0.08 | 0.07 | 0.07 | -0.09 | 0.08 | -0.10 | -0.05 | 0.12 | -0.07 | 0.11 | 0.04 | -0.01 | 0.15 | -0.04 | -0.08 | 0.09 | 0.29 | -0.04 | -0.05 | 0.01 | -0.04 | 0.03 | 0.09 | -0.11 | 0.02 | -0.07 | -0.01 | -0.03 | -0.01 | -0.01 | 0.05 | -0.05 | 0.01 | 0.00 | -0.06 | 0.00 | 0.17 |
| Online.Purchase5 | 0.06 | 0.07 | 0.12 | -0.01 | 0.14 | 0.08 | 0.05 | 0.11 | 0.10 | 0.05 | 0.04 | 0.14 | 0.10 | 0.06 | 0.07 | -0.04 | -0.01 | 0.27 | 0.09 | 0.05 | 0.18 | 0.07 | -0.02 | 0.04 | 0.04 | -0.04 | -0.06 | 0.07 | 0.07 | -0.04 | -0.06 | -0.08 | -0.07 | -0.09 | -0.07 | -0.05 | -0.03 | 0.15 | 0.03 | -0.02 | -0.06 | 0.06 | 0.02 | 0.01 | -0.01 | 0.10 | -0.03 | 0.14 | 0.05 | 0.01 | -0.02 | 0.11 | 0.16 | -0.05 | 0.08 | 0.23 | 0.15 | 0.07 | 0.17 | -0.02 | 0.08 | 0.03 | -0.05 | 0.06 | -0.03 | -0.07 | 0.00 | -0.03 | 0.00 | 0.00 | -0.12 | -0.03 | -0.14 | 0.03 | -0.12 | 0.15 | 0.10 | 0.15 | 0.04 | -0.01 | 0.00 | 0.06 | -0.11 | -0.07 | 0.06 | 0.01 | 0.02 | -0.11 | 0.03 | 0.00 | -0.03 | -0.04 | 0.01 | 0.08 | -0.04 | 0.02 | -0.05 |
| Ins.Service1 | 0.06 | 0.11 | -0.04 | -0.04 | -0.07 | 0.06 | -0.06 | -0.04 | 0.10 | 0.05 | -0.07 | 0.02 | -0.12 | 0.06 | 0.18 | -0.03 | -0.09 | 0.03 | 0.04 | -0.01 | 0.05 | 0.09 | -0.12 | 0.06 | -0.08 | 0.15 | -0.03 | -0.03 | 0.00 | -0.04 | 0.04 | -0.23 | -0.02 | 0.12 | -0.03 | 0.02 | -0.13 | 0.05 | 0.06 | 0.07 | -0.14 | 0.05 | -0.08 | -0.05 | 0.07 | 0.04 | -0.01 | -0.01 | -0.06 | -0.03 | -0.05 | 0.01 | 0.08 | 0.00 | 0.00 | 0.07 | 0.03 | 0.17 | 0.07 | -0.04 | -0.02 | -0.11 | 0.18 | -0.19 | 0.08 | 0.09 | 0.01 | 0.05 | 0.20 | 0.28 | -0.06 | 0.12 | -0.02 | 0.06 | -0.05 | -0.06 | 0.08 | 0.01 | -0.02 | -0.02 | 0.03 | -0.05 | 0.10 | 0.02 | 0.24 | 0.05 | -0.02 | 0.12 | -0.10 | -0.06 | -0.08 | 0.03 | 0.07 | -0.09 | 0.05 | 0.14 | 0.00 |
| Employer.Ins5 | 0.06 | 0.03 | 0.01 | 0.01 | -0.11 | 0.07 | 0.06 | 0.00 | 0.09 | 0.16 | 0.02 | -0.01 | -0.04 | -0.11 | 0.15 | 0.18 | -0.04 | -0.05 | 0.16 | 0.09 | -0.02 | 0.07 | 0.06 | 0.03 | 0.01 | 0.12 | 0.01 | -0.04 | -0.02 | -0.01 | 0.00 | 0.65 | 0.06 | 0.02 | 0.00 | 0.08 | 0.01 | 0.11 | 0.02 | 0.09 | 0.03 | 0.06 | -0.06 | 0.11 | 0.03 | -0.01 | 0.02 | -0.05 | 0.01 | 0.09 | -0.05 | -0.02 | -0.01 | 0.01 | -0.03 | 0.01 | -0.05 | 0.07 | -0.02 | 0.01 | -0.10 | 0.05 | 0.07 | -0.08 | -0.02 | 0.04 | 0.06 | -0.01 | 0.03 | 0.07 | 0.10 | 0.01 | 0.06 | 0.05 | 0.00 | 0.05 | -0.03 | 0.03 | 0.08 | -0.06 | 0.11 | -0.02 | 0.02 | -0.04 | -0.03 | 0.03 | 0.03 | -0.03 | -0.04 | -0.08 | 0.11 | 0.02 | 0.03 | -0.06 | 0.05 | -0.05 | -0.03 |
| Purc.Trig6 | 0.06 | 0.10 | 0.04 | 0.03 | 0.13 | 0.17 | 0.03 | -0.01 | 0.12 | -0.02 | 0.32 | 0.15 | 0.03 | 0.10 | 0.07 | -0.13 | -0.02 | 0.12 | -0.14 | 0.04 | 0.06 | 0.04 | -0.06 | 0.10 | 0.01 | 0.01 | 0.00 | 0.13 | -0.05 | -0.03 | 0.04 | 0.11 | 0.07 | 0.05 | 0.14 | -0.14 | 0.05 | 0.01 | -0.08 | 0.05 | 0.09 | 0.03 | -0.03 | 0.02 | -0.04 | 0.02 | 0.01 | 0.01 | 0.01 | 0.10 | -0.04 | -0.09 | -0.13 | -0.06 | -0.07 | 0.11 | 0.15 | -0.01 | 0.04 | 0.08 | 0.11 | -0.06 | 0.24 | -0.10 | 0.02 | -0.06 | 0.01 | 0.12 | 0.05 | -0.05 | 0.05 | -0.05 | 0.04 | -0.05 | -0.01 | -0.07 | -0.05 | -0.12 | -0.04 | -0.11 | 0.21 | 0.04 | 0.13 | -0.06 | -0.04 | 0.12 | 0.10 | 0.03 | -0.10 | 0.12 | -0.04 | 0.06 | 0.01 | -0.06 | -0.05 | -0.02 | 0.06 |
| L.H.Lack9 | 0.06 | 0.17 | 0.07 | 0.07 | 0.00 | 0.12 | 0.07 | 0.03 | 0.03 | -0.12 | 0.07 | 0.04 | 0.13 | 0.05 | 0.06 | -0.04 | 0.04 | 0.09 | 0.03 | 0.10 | 0.04 | 0.07 | 0.06 | -0.02 | 0.04 | -0.04 | -0.02 | 0.13 | 0.00 | -0.11 | 0.10 | 0.02 | 0.02 | -0.07 | 0.02 | 0.02 | 0.21 | -0.03 | 0.10 | -0.08 | -0.02 | -0.05 | 0.08 | -0.06 | 0.15 | 0.13 | 0.00 | -0.06 | -0.01 | 0.06 | 0.09 | 0.02 | 0.24 | 0.03 | 0.09 | 0.03 | -0.06 | -0.03 | -0.07 | -0.11 | 0.04 | -0.01 | -0.03 | 0.18 | 0.05 | 0.04 | -0.05 | -0.02 | 0.08 | -0.11 | 0.28 | -0.06 | 0.16 | 0.08 | 0.01 | -0.11 | -0.02 | 0.00 | 0.22 | -0.01 | 0.04 | 0.07 | 0.00 | 0.15 | 0.00 | 0.09 | 0.03 | -0.07 | -0.08 | 0.08 | 0.04 | 0.02 | 0.09 | -0.01 | 0.03 | 0.14 | 0.00 |
| L.H.Res9 | 0.06 | 0.02 | -0.01 | -0.02 | -0.04 | 0.02 | 0.13 | 0.02 | 0.68 | 0.09 | 0.05 | 0.06 | -0.01 | 0.14 | 0.01 | 0.05 | 0.00 | 0.01 | -0.06 | 0.03 | 0.00 | 0.15 | -0.02 | -0.01 | 0.07 | -0.01 | 0.01 | 0.06 | -0.14 | 0.03 | 0.16 | 0.04 | -0.08 | 0.00 | -0.01 | 0.01 | 0.01 | -0.08 | -0.04 | 0.14 | 0.02 | 0.00 | 0.13 | 0.08 | 0.01 | 0.01 | -0.06 | 0.10 | -0.10 | -0.04 | 0.01 | 0.03 | 0.00 | 0.09 | 0.01 | 0.04 | 0.07 | 0.04 | 0.06 | 0.03 | -0.04 | 0.07 | 0.06 | 0.03 | -0.07 | 0.04 | 0.07 | -0.05 | 0.09 | 0.02 | 0.10 | -0.01 | 0.00 | -0.10 | -0.01 | 0.10 | 0.01 | -0.06 | 0.00 | 0.03 | -0.07 | -0.05 | 0.04 | -0.04 | -0.01 | 0.03 | -0.06 | -0.02 | -0.02 | 0.00 | 0.06 | 0.00 | 0.01 | -0.05 | 0.02 | 0.00 | 0.00 |
| L.H.SalesChan1 | 0.06 | 0.11 | 0.03 | -0.11 | 0.79 | 0.05 | 0.08 | 0.00 | -0.02 | -0.05 | -0.16 | -0.08 | -0.16 | 0.05 | 0.04 | 0.02 | -0.03 | 0.07 | 0.02 | 0.03 | 0.07 | -0.01 | 0.03 | 0.05 | 0.03 | 0.02 | 0.03 | -0.03 | -0.06 | -0.01 | 0.03 | -0.05 | 0.01 | 0.02 | -0.02 | 0.01 | 0.03 | -0.03 | 0.00 | -0.02 | 0.02 | 0.02 | -0.01 | 0.03 | -0.02 | 0.02 | -0.02 | 0.04 | 0.01 | 0.03 | -0.01 | 0.08 | -0.01 | -0.01 | 0.05 | -0.01 | 0.07 | 0.01 | 0.00 | 0.04 | 0.03 | 0.00 | 0.03 | 0.09 | 0.04 | 0.08 | -0.04 | 0.01 | -0.04 | 0.01 | 0.01 | -0.03 | 0.06 | 0.00 | 0.07 | 0.10 | -0.02 | 0.05 | -0.03 | -0.01 | 0.00 | 0.05 | 0.10 | -0.02 | 0.03 | 0.05 | -0.05 | -0.08 | -0.03 | 0.00 | -0.01 | -0.01 | 0.01 | -0.02 | 0.04 | -0.05 | 0.04 |
| Gen.SalesChan5 | 0.06 | 0.08 | 0.07 | -0.01 | 0.11 | 0.16 | 0.27 | 0.07 | 0.18 | 0.10 | 0.16 | 0.08 | 0.14 | 0.02 | 0.12 | 0.32 | -0.10 | 0.02 | -0.11 | 0.00 | -0.02 | 0.06 | -0.03 | -0.06 | 0.12 | 0.13 | -0.01 | 0.06 | -0.04 | 0.02 | 0.04 | 0.12 | -0.10 | -0.03 | 0.05 | -0.08 | 0.00 | 0.02 | -0.08 | 0.00 | 0.08 | 0.01 | 0.03 | 0.06 | 0.01 | 0.14 | -0.04 | -0.06 | -0.10 | 0.05 | 0.05 | 0.03 | 0.16 | -0.05 | -0.08 | 0.01 | 0.04 | 0.03 | -0.17 | -0.03 | 0.02 | 0.07 | -0.06 | -0.03 | -0.13 | 0.11 | -0.07 | 0.11 | -0.07 | -0.04 | 0.19 | -0.10 | 0.07 | 0.05 | 0.02 | -0.02 | 0.09 | 0.12 | 0.01 | 0.09 | 0.03 | 0.02 | 0.00 | 0.13 | 0.07 | -0.07 | -0.03 | 0.00 | -0.02 | 0.00 | -0.06 | 0.05 | -0.14 | -0.06 | -0.06 | 0.04 | -0.10 |
| Switch.Drivers7 | 0.06 | 0.04 | 0.04 | -0.02 | -0.06 | 0.08 | -0.01 | -0.04 | 0.00 | 0.05 | 0.06 | 0.01 | 0.02 | -0.03 | 0.06 | 0.05 | 0.00 | 0.01 | 0.09 | 0.01 | 0.04 | -0.03 | 0.04 | -0.04 | 0.01 | 0.01 | 0.00 | 0.05 | 0.05 | -0.01 | -0.06 | 0.04 | 0.01 | 0.00 | 0.08 | 0.12 | -0.03 | -0.01 | 0.01 | -0.01 | 0.02 | -0.03 | 0.01 | 0.08 | 0.08 | 0.03 | 0.06 | 0.02 | -0.01 | 0.07 | 0.01 | -0.02 | 0.03 | -0.03 | -0.03 | 0.01 | -0.02 | 0.02 | 0.02 | -0.05 | 0.00 | 0.02 | 0.01 | -0.02 | -0.04 | 0.10 | 0.01 | -0.03 | -0.03 | -0.01 | -0.03 | 0.00 | -0.04 | -0.01 | 0.02 | -0.01 | -0.01 | 0.02 | 0.05 | -0.01 | -0.01 | 0.01 | -0.02 | 0.02 | -0.04 | 0.02 | 0.00 | 0.79 | -0.04 | -0.05 | 0.04 | 0.01 | 0.02 | 0.00 | -0.02 | -0.02 | -0.04 |
| Savings2 | 0.05 | -0.01 | 0.05 | -0.04 | -0.02 | 0.05 | 0.03 | 0.02 | 0.03 | 0.06 | 0.01 | 0.08 | -0.02 | -0.01 | -0.03 | 0.03 | 0.06 | 0.00 | -0.01 | -0.03 | 0.03 | 0.02 | 0.04 | 0.02 | 0.07 | -0.07 | -0.01 | -0.04 | -0.03 | 0.05 | 0.03 | 0.08 | -0.09 | 0.04 | -0.05 | 0.04 | -0.03 | 0.06 | -0.03 | -0.01 | -0.04 | 0.02 | 0.02 | 0.77 | 0.02 | -0.04 | 0.02 | 0.01 | -0.04 | 0.01 | 0.02 | 0.06 | 0.06 | -0.01 | -0.07 | -0.02 | 0.02 | -0.02 | -0.06 | 0.09 | -0.01 | -0.02 | 0.02 | -0.02 | 0.01 | 0.01 | -0.03 | 0.04 | -0.02 | 0.02 | 0.01 | -0.01 | -0.02 | -0.05 | 0.08 | -0.01 | 0.02 | 0.03 | -0.01 | 0.05 | 0.00 | -0.06 | 0.00 | 0.01 | 0.03 | -0.03 | 0.03 | 0.07 | -0.01 | 0.02 | 0.07 | 0.00 | -0.01 | 0.05 | -0.02 | -0.03 | 0.01 |
| Lifestyle5 | 0.05 | -0.02 | 0.07 | 0.03 | 0.15 | 0.07 | 0.05 | 0.00 | 0.05 | -0.05 | 0.09 | 0.00 | 0.02 | -0.07 | 0.25 | -0.01 | -0.03 | 0.03 | 0.01 | 0.07 | 0.03 | 0.07 | 0.05 | 0.03 | 0.18 | 0.27 | -0.03 | -0.04 | -0.14 | 0.10 | -0.03 | -0.11 | 0.09 | 0.06 | 0.00 | 0.04 | 0.05 | 0.15 | 0.07 | 0.08 | -0.01 | 0.06 | 0.21 | 0.00 | 0.04 | -0.16 | -0.03 | -0.16 | 0.07 | -0.04 | -0.07 | 0.02 | 0.13 | 0.06 | 0.05 | 0.02 | 0.08 | -0.06 | -0.02 | -0.02 | -0.06 | -0.01 | -0.05 | -0.09 | -0.10 | 0.13 | 0.08 | 0.12 | 0.07 | 0.04 | 0.01 | 0.00 | -0.02 | 0.02 | 0.15 | 0.11 | -0.05 | 0.03 | 0.08 | -0.04 | 0.10 | 0.09 | 0.09 | 0.04 | -0.01 | -0.03 | 0.01 | -0.03 | 0.06 | 0.04 | -0.05 | -0.03 | -0.13 | -0.08 | -0.16 | 0.03 | 0.23 |
| Media8 | 0.05 | 0.05 | 0.07 | 0.08 | 0.05 | 0.02 | 0.09 | 0.06 | 0.07 | 0.04 | 0.01 | 0.03 | 0.00 | 0.02 | 0.12 | 0.10 | 0.06 | 0.67 | 0.09 | 0.01 | -0.07 | 0.11 | 0.05 | 0.06 | -0.01 | 0.00 | 0.06 | -0.01 | -0.12 | 0.05 | 0.04 | -0.04 | 0.05 | 0.08 | 0.09 | 0.02 | 0.01 | 0.02 | 0.00 | 0.01 | -0.04 | 0.00 | -0.01 | 0.01 | 0.04 | -0.01 | -0.03 | 0.08 | 0.01 | 0.02 | 0.12 | -0.02 | 0.04 | 0.00 | -0.01 | 0.06 | 0.00 | 0.00 | 0.01 | 0.03 | -0.09 | 0.06 | -0.03 | 0.03 | 0.03 | -0.03 | 0.06 | -0.11 | 0.01 | -0.01 | -0.02 | -0.08 | 0.06 | 0.03 | 0.01 | 0.12 | 0.02 | -0.02 | -0.07 | 0.02 | -0.06 | -0.03 | -0.03 | 0.02 | -0.02 | 0.03 | 0.02 | 0.02 | -0.02 | 0.05 | -0.01 | -0.06 | 0.06 | 0.05 | 0.03 | -0.05 | 0.04 |
| Ins.Service2 | 0.05 | 0.04 | -0.01 | 0.09 | 0.09 | -0.08 | 0.06 | 0.03 | -0.01 | -0.03 | 0.09 | 0.01 | -0.05 | -0.04 | -0.04 | -0.02 | 0.03 | -0.01 | 0.05 | 0.05 | 0.02 | -0.05 | 0.00 | 0.00 | 0.03 | 0.03 | -0.02 | -0.06 | 0.04 | 0.09 | 0.00 | 0.04 | -0.03 | 0.04 | 0.02 | -0.03 | 0.08 | 0.03 | -0.04 | -0.01 | 0.01 | -0.01 | 0.01 | -0.06 | 0.02 | -0.01 | 0.06 | 0.05 | -0.01 | 0.04 | 0.03 | -0.02 | 0.02 | -0.03 | -0.01 | -0.03 | 0.00 | 0.03 | -0.02 | -0.04 | 0.00 | 0.04 | -0.04 | -0.06 | 0.04 | 0.00 | -0.02 | -0.01 | 0.03 | 0.03 | 0.04 | 0.01 | 0.05 | 0.06 | -0.02 | 0.00 | 0.02 | 0.05 | 0.01 | 0.09 | 0.01 | 0.79 | 0.02 | 0.02 | 0.02 | 0.03 | 0.03 | 0.01 | -0.03 | -0.09 | 0.01 | 0.02 | 0.00 | 0.00 | 0.03 | 0.01 | -0.04 |
| Ins.Brands19 | 0.05 | 0.06 | 0.36 | -0.02 | -0.04 | 0.15 | -0.03 | -0.07 | -0.04 | 0.00 | 0.02 | -0.05 | 0.10 | 0.04 | 0.10 | 0.01 | 0.02 | 0.01 | 0.07 | 0.06 | 0.04 | 0.03 | 0.09 | -0.02 | 0.04 | 0.03 | 0.00 | -0.10 | 0.01 | 0.07 | -0.01 | -0.02 | -0.10 | 0.09 | 0.00 | -0.03 | 0.04 | -0.06 | 0.12 | 0.18 | 0.04 | -0.02 | -0.03 | 0.10 | 0.05 | 0.15 | 0.11 | 0.06 | -0.04 | -0.05 | 0.06 | 0.09 | 0.17 | -0.01 | 0.09 | -0.21 | -0.01 | -0.06 | 0.00 | 0.04 | 0.03 | 0.07 | -0.18 | -0.10 | -0.04 | 0.02 | -0.03 | -0.06 | -0.12 | -0.06 | 0.04 | -0.01 | 0.16 | -0.06 | -0.06 | -0.12 | 0.10 | 0.11 | 0.03 | 0.13 | 0.05 | -0.05 | 0.15 | -0.10 | -0.03 | 0.23 | -0.04 | 0.01 | -0.04 | -0.10 | -0.04 | 0.06 | -0.09 | -0.09 | 0.03 | 0.04 | -0.01 |
| Purc.Trig7 | 0.05 | 0.07 | 0.04 | 0.06 | 0.10 | 0.03 | -0.01 | 0.00 | 0.03 | -0.14 | 0.17 | 0.10 | -0.02 | 0.02 | 0.15 | 0.22 | 0.05 | 0.01 | 0.07 | -0.11 | -0.06 | 0.04 | 0.01 | 0.16 | -0.03 | -0.03 | -0.02 | 0.01 | 0.14 | 0.01 | 0.09 | 0.08 | 0.23 | 0.10 | 0.05 | -0.10 | -0.02 | 0.03 | 0.10 | -0.06 | 0.03 | 0.01 | 0.12 | -0.07 | -0.03 | -0.06 | -0.06 | 0.06 | -0.03 | -0.04 | -0.05 | -0.01 | 0.00 | -0.04 | -0.07 | -0.01 | -0.01 | -0.01 | -0.01 | 0.04 | 0.13 | -0.05 | 0.09 | -0.04 | -0.02 | 0.02 | 0.18 | -0.08 | 0.13 | 0.08 | 0.06 | 0.17 | -0.11 | -0.03 | 0.04 | -0.01 | 0.21 | -0.11 | 0.02 | 0.12 | -0.06 | -0.07 | 0.06 | -0.14 | 0.16 | -0.04 | -0.05 | 0.12 | 0.08 | 0.05 | 0.15 | -0.02 | 0.17 | 0.00 | -0.04 | 0.04 | 0.01 |
| L.H.Lack5 | 0.05 | 0.09 | 0.07 | 0.03 | 0.13 | 0.09 | -0.01 | 0.69 | -0.01 | -0.01 | 0.08 | 0.03 | 0.05 | 0.07 | 0.08 | 0.07 | -0.05 | 0.07 | 0.02 | 0.09 | 0.02 | -0.03 | 0.13 | 0.03 | 0.02 | -0.03 | -0.02 | 0.02 | -0.07 | 0.07 | 0.12 | 0.03 | 0.06 | 0.02 | 0.07 | -0.01 | 0.04 | -0.08 | 0.04 | 0.02 | -0.03 | -0.01 | -0.02 | -0.01 | -0.02 | 0.05 | -0.05 | 0.00 | 0.04 | -0.05 | 0.03 | -0.05 | -0.02 | 0.08 | -0.01 | -0.01 | 0.01 | -0.07 | -0.04 | -0.06 | 0.07 | 0.09 | -0.01 | 0.05 | -0.08 | 0.10 | 0.08 | 0.05 | -0.08 | 0.00 | -0.01 | 0.09 | 0.03 | 0.02 | -0.05 | -0.01 | -0.01 | 0.02 | -0.05 | 0.01 | -0.04 | 0.02 | 0.07 | 0.00 | 0.03 | 0.06 | -0.03 | -0.07 | -0.05 | 0.00 | 0.00 | 0.04 | -0.03 | 0.06 | 0.02 | 0.09 | 0.00 |
| L.H.Lack6 | 0.05 | 0.26 | 0.11 | 0.06 | 0.04 | 0.11 | -0.09 | 0.64 | 0.07 | 0.06 | 0.16 | 0.00 | 0.03 | 0.00 | 0.05 | 0.09 | 0.02 | -0.02 | 0.07 | 0.02 | -0.10 | 0.00 | -0.05 | 0.01 | -0.03 | -0.03 | 0.00 | 0.04 | 0.01 | -0.03 | 0.13 | -0.06 | 0.03 | -0.04 | 0.01 | 0.00 | 0.02 | 0.00 | -0.02 | 0.00 | -0.04 | 0.02 | 0.00 | 0.06 | 0.04 | 0.00 | -0.02 | -0.01 | -0.13 | -0.03 | 0.07 | 0.06 | -0.02 | 0.02 | 0.03 | 0.06 | -0.11 | 0.08 | 0.02 | 0.03 | -0.07 | 0.02 | 0.06 | 0.00 | 0.06 | 0.04 | 0.00 | 0.02 | -0.07 | 0.01 | 0.05 | -0.08 | -0.05 | -0.03 | 0.02 | 0.00 | 0.09 | -0.09 | -0.03 | 0.03 | -0.08 | 0.03 | 0.00 | 0.03 | -0.01 | -0.01 | 0.00 | -0.05 | -0.01 | -0.08 | -0.07 | -0.02 | 0.06 | 0.03 | 0.06 | 0.03 | 0.09 |
| Gen.Lack8 | 0.05 | -0.02 | -0.02 | -0.03 | 0.00 | -0.03 | -0.02 | -0.10 | 0.01 | -0.02 | -0.01 | -0.02 | 0.04 | 0.00 | -0.07 | -0.03 | 0.05 | 0.00 | -0.05 | -0.07 | -0.12 | 0.01 | -0.03 | -0.03 | -0.05 | -0.07 | 0.17 | -0.02 | -0.03 | -0.02 | -0.11 | -0.04 | 0.04 | -0.07 | -0.77 | 0.01 | -0.01 | -0.01 | -0.01 | 0.00 | -0.01 | -0.02 | -0.06 | 0.05 | -0.05 | 0.02 | -0.03 | -0.03 | -0.01 | -0.02 | -0.04 | 0.10 | -0.04 | -0.01 | -0.05 | 0.02 | 0.02 | 0.02 | 0.01 | -0.06 | 0.00 | 0.02 | -0.02 | -0.04 | -0.02 | -0.03 | -0.08 | 0.02 | -0.06 | -0.02 | -0.01 | 0.01 | -0.04 | -0.01 | 0.11 | -0.06 | -0.04 | -0.01 | 0.01 | -0.01 | -0.01 | 0.02 | 0.05 | -0.02 | 0.01 | -0.01 | 0.01 | -0.08 | -0.03 | -0.04 | 0.01 | -0.11 | -0.01 | 0.01 | 0.06 | -0.01 | 0.02 |
| Gen.Res3 | 0.05 | 0.09 | 0.06 | -0.02 | 0.05 | -0.01 | 0.15 | 0.06 | 0.00 | 0.10 | 0.12 | 0.08 | 0.03 | 0.02 | 0.00 | 0.12 | 0.04 | 0.03 | 0.05 | 0.04 | 0.01 | 0.02 | 0.00 | -0.04 | 0.05 | 0.06 | -0.01 | -0.01 | -0.02 | 0.80 | 0.06 | -0.01 | 0.01 | 0.00 | 0.04 | 0.04 | 0.06 | 0.02 | 0.01 | 0.01 | 0.00 | 0.02 | -0.01 | 0.11 | -0.03 | -0.02 | -0.03 | -0.03 | 0.06 | -0.04 | 0.04 | 0.01 | -0.01 | -0.01 | 0.01 | 0.04 | 0.03 | 0.00 | -0.03 | -0.05 | 0.03 | 0.05 | 0.03 | 0.04 | 0.03 | -0.01 | 0.02 | -0.08 | 0.03 | -0.02 | 0.04 | 0.00 | -0.04 | -0.02 | 0.08 | 0.03 | -0.02 | 0.01 | 0.02 | 0.03 | -0.01 | 0.07 | 0.04 | 0.07 | 0.01 | -0.02 | 0.06 | 0.03 | 0.00 | 0.06 | -0.01 | 0.01 | 0.01 | -0.01 | -0.03 | -0.03 | 0.01 |
| Gen.Res9 | 0.05 | 0.04 | 0.05 | 0.00 | 0.03 | -0.02 | 0.00 | -0.02 | 0.77 | -0.07 | 0.06 | 0.10 | 0.11 | 0.03 | -0.01 | 0.11 | -0.01 | 0.06 | 0.01 | 0.06 | 0.04 | 0.14 | 0.03 | -0.01 | 0.04 | -0.04 | 0.01 | -0.02 | 0.01 | 0.00 | 0.01 | -0.02 | 0.01 | -0.02 | 0.03 | -0.01 | -0.04 | 0.00 | -0.04 | 0.01 | -0.03 | -0.01 | -0.09 | 0.08 | -0.05 | 0.06 | 0.03 | -0.03 | -0.04 | 0.02 | -0.04 | -0.02 | 0.04 | 0.02 | -0.03 | 0.00 | 0.05 | 0.01 | 0.04 | -0.03 | -0.03 | -0.01 | -0.05 | 0.01 | 0.03 | 0.04 | 0.00 | -0.03 | -0.02 | 0.04 | -0.01 | 0.12 | -0.03 | 0.05 | -0.01 | 0.06 | 0.06 | -0.05 | 0.03 | 0.07 | 0.07 | -0.01 | 0.07 | -0.07 | -0.05 | 0.07 | -0.01 | -0.03 | 0.00 | -0.03 | 0.02 | -0.02 | 0.02 | -0.08 | 0.00 | 0.03 | 0.01 |
| Gen.SalesChan2 | 0.05 | 0.09 | 0.06 | -0.04 | 0.04 | 0.01 | 0.08 | 0.04 | -0.02 | 0.01 | 0.78 | 0.05 | -0.12 | 0.05 | 0.11 | 0.07 | 0.02 | -0.01 | 0.04 | 0.02 | 0.00 | 0.01 | 0.00 | -0.05 | 0.00 | -0.03 | -0.02 | 0.08 | 0.01 | 0.05 | 0.05 | 0.01 | 0.01 | -0.02 | 0.02 | 0.04 | 0.05 | 0.01 | -0.06 | -0.04 | 0.04 | 0.03 | 0.04 | -0.02 | 0.01 | 0.02 | -0.03 | -0.08 | 0.00 | -0.03 | 0.00 | 0.03 | 0.08 | 0.01 | 0.01 | -0.09 | 0.01 | 0.05 | -0.02 | -0.01 | -0.01 | 0.06 | 0.04 | 0.03 | 0.02 | 0.03 | 0.03 | -0.03 | 0.02 | 0.03 | -0.01 | 0.03 | 0.02 | -0.02 | 0.06 | 0.06 | -0.03 | 0.01 | 0.00 | 0.02 | -0.03 | 0.09 | 0.05 | -0.03 | 0.02 | 0.07 | -0.08 | -0.02 | 0.01 | 0.01 | -0.03 | 0.06 | 0.06 | 0.05 | 0.01 | 0.03 | 0.01 |
| Gen.SalesChan4 | 0.05 | -0.06 | 0.05 | -0.02 | -0.01 | 0.07 | 0.07 | 0.07 | 0.02 | 0.12 | 0.14 | 0.13 | 0.03 | -0.05 | 0.06 | 0.72 | -0.02 | -0.01 | -0.02 | 0.10 | 0.02 | 0.09 | 0.07 | 0.00 | 0.10 | 0.04 | -0.01 | 0.05 | 0.01 | 0.10 | -0.02 | 0.07 | 0.01 | -0.01 | -0.01 | 0.01 | 0.09 | 0.02 | 0.08 | 0.03 | -0.03 | 0.00 | -0.03 | 0.00 | -0.02 | -0.05 | 0.10 | -0.03 | 0.01 | 0.04 | 0.03 | -0.03 | 0.06 | -0.02 | -0.03 | 0.04 | 0.04 | -0.12 | 0.10 | -0.01 | 0.01 | 0.05 | 0.05 | -0.04 | 0.02 | -0.03 | 0.04 | 0.07 | 0.04 | -0.04 | 0.03 | 0.01 | -0.01 | -0.08 | -0.03 | 0.04 | -0.08 | -0.04 | 0.02 | 0.07 | 0.08 | 0.01 | -0.01 | -0.06 | 0.03 | -0.08 | 0.06 | 0.05 | -0.03 | 0.01 | -0.07 | 0.02 | 0.03 | 0.00 | 0.04 | 0.04 | -0.03 |
| Switch.Drivers6 | 0.05 | 0.07 | 0.08 | 0.06 | 0.06 | -0.04 | -0.04 | 0.02 | -0.04 | -0.05 | 0.02 | 0.01 | -0.03 | -0.01 | 0.09 | -0.05 | -0.04 | 0.04 | -0.01 | -0.07 | -0.03 | 0.02 | -0.02 | -0.02 | 0.05 | -0.04 | -0.02 | 0.03 | -0.03 | 0.02 | 0.10 | -0.04 | 0.02 | -0.06 | 0.01 | 0.01 | 0.00 | -0.01 | 0.04 | 0.03 | 0.07 | -0.03 | 0.01 | 0.01 | 0.01 | 0.01 | 0.03 | 0.02 | -0.01 | -0.08 | 0.01 | 0.01 | 0.00 | 0.03 | 0.07 | -0.07 | 0.00 | 0.01 | 0.02 | -0.04 | -0.02 | -0.02 | 0.03 | 0.02 | 0.76 | 0.00 | 0.01 | -0.07 | -0.03 | -0.08 | -0.02 | 0.02 | 0.04 | -0.01 | 0.09 | 0.04 | -0.01 | -0.01 | -0.03 | 0.05 | -0.04 | 0.04 | 0.08 | 0.01 | -0.03 | 0.02 | -0.02 | -0.04 | 0.04 | 0.01 | 0.05 | 0.04 | -0.04 | -0.07 | -0.04 | 0.02 | 0.01 |
| Switch.Drivers10 | 0.05 | 0.01 | 0.02 | -0.02 | 0.01 | 0.01 | -0.06 | 0.00 | 0.03 | 0.06 | 0.00 | 0.08 | 0.01 | 0.05 | 0.01 | 0.03 | 0.00 | 0.04 | 0.04 | 0.00 | 0.02 | -0.01 | 0.03 | -0.01 | 0.07 | -0.02 | -0.03 | 0.03 | -0.04 | -0.05 | -0.04 | -0.01 | 0.02 | 0.01 | 0.03 | -0.03 | -0.03 | 0.06 | -0.03 | -0.01 | 0.03 | 0.02 | 0.03 | 0.02 | 0.79 | 0.07 | 0.01 | -0.02 | -0.01 | 0.01 | 0.02 | -0.03 | 0.01 | -0.05 | 0.04 | 0.02 | 0.02 | 0.02 | 0.10 | -0.04 | 0.01 | 0.03 | 0.01 | 0.01 | 0.00 | -0.02 | 0.01 | -0.04 | -0.02 | -0.01 | 0.02 | -0.03 | -0.06 | 0.02 | 0.00 | -0.03 | 0.05 | 0.09 | 0.00 | 0.00 | 0.01 | 0.02 | 0.00 | -0.03 | -0.04 | -0.04 | 0.02 | 0.08 | 0.13 | 0.08 | 0.01 | 0.03 | -0.01 | -0.03 | -0.05 | -0.07 | -0.01 |
| Switch.Drivers15 | 0.05 | 0.04 | 0.02 | -0.05 | 0.02 | 0.03 | 0.00 | 0.01 | -0.01 | -0.06 | -0.01 | 0.05 | -0.04 | 0.06 | 0.01 | 0.02 | 0.00 | 0.07 | -0.07 | 0.04 | 0.06 | 0.01 | -0.01 | 0.00 | -0.03 | 0.01 | -0.02 | 0.06 | 0.01 | 0.00 | 0.05 | 0.06 | -0.05 | 0.05 | 0.02 | 0.01 | 0.04 | -0.05 | 0.02 | -0.01 | 0.05 | 0.02 | 0.03 | -0.02 | -0.01 | 0.00 | -0.06 | 0.01 | -0.03 | 0.00 | -0.04 | -0.02 | 0.03 | -0.07 | -0.04 | 0.02 | -0.04 | 0.02 | -0.08 | -0.01 | 0.03 | 0.04 | 0.01 | 0.05 | -0.04 | -0.03 | 0.01 | 0.09 | 0.02 | -0.01 | 0.01 | -0.02 | 0.03 | 0.02 | -0.02 | -0.02 | 0.06 | 0.00 | 0.05 | 0.02 | 0.06 | 0.00 | 0.03 | 0.04 | 0.03 | 0.04 | 0.04 | 0.02 | -0.03 | 0.07 | -0.02 | 0.05 | 0.79 | 0.11 | -0.08 | 0.06 | -0.03 |
| Online.Freq | 0.04 | 0.03 | 0.02 | -0.04 | 0.06 | 0.03 | 0.02 | 0.00 | 0.02 | 0.00 | 0.00 | 0.03 | 0.02 | 0.03 | 0.04 | -0.02 | 0.07 | -0.02 | -0.01 | 0.02 | 0.94 | 0.00 | 0.00 | 0.06 | -0.02 | 0.02 | 0.01 | -0.05 | -0.02 | 0.02 | 0.04 | 0.01 | 0.00 | 0.05 | 0.07 | 0.02 | 0.02 | 0.00 | 0.02 | 0.00 | 0.04 | 0.01 | -0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.01 | 0.00 | 0.01 | 0.01 | 0.02 | 0.01 | 0.02 | -0.02 | -0.01 | -0.02 | 0.01 | -0.01 | 0.01 | 0.00 | 0.01 | 0.02 | -0.01 | -0.01 | 0.00 | 0.01 | -0.05 | -0.01 | 0.00 | 0.01 | 0.02 | -0.03 | -0.01 | 0.02 | 0.04 | 0.01 | 0.01 | 0.00 | 0.00 | -0.02 | 0.01 | 0.01 | 0.02 | 0.03 | 0.00 | 0.02 | 0.02 | 0.00 | -0.01 | -0.02 | -0.01 | 0.03 | 0.01 | 0.01 | -0.03 | 0.01 |
| Media6 | 0.04 | -0.02 | 0.03 | 0.01 | 0.07 | -0.02 | 0.15 | 0.02 | 0.08 | 0.10 | 0.18 | -0.07 | 0.05 | 0.10 | 0.03 | 0.08 | 0.07 | 0.12 | -0.08 | -0.04 | -0.10 | 0.11 | -0.04 | 0.11 | 0.42 | 0.08 | 0.00 | 0.01 | -0.03 | 0.13 | 0.03 | 0.02 | 0.03 | 0.00 | 0.07 | 0.04 | 0.03 | 0.13 | 0.05 | 0.05 | 0.04 | 0.06 | 0.15 | 0.19 | 0.09 | -0.04 | 0.07 | 0.01 | 0.08 | 0.09 | 0.12 | -0.01 | 0.03 | 0.08 | 0.05 | 0.02 | -0.08 | 0.06 | 0.09 | 0.13 | 0.03 | 0.03 | 0.03 | -0.05 | -0.01 | 0.00 | -0.03 | 0.04 | 0.07 | 0.10 | 0.04 | 0.21 | -0.05 | 0.03 | -0.03 | 0.10 | -0.14 | 0.00 | 0.05 | 0.01 | -0.17 | 0.01 | 0.01 | 0.07 | -0.01 | -0.11 | 0.02 | 0.02 | -0.06 | 0.02 | -0.05 | -0.02 | 0.11 | -0.05 | -0.06 | -0.11 | -0.03 |
| L.H.Needs11 | 0.04 | 0.58 | 0.05 | 0.07 | 0.00 | 0.03 | -0.03 | 0.17 | 0.03 | 0.08 | 0.04 | 0.03 | 0.02 | 0.05 | 0.08 | 0.02 | 0.03 | 0.00 | 0.08 | 0.10 | 0.03 | 0.02 | 0.00 | -0.01 | -0.07 | 0.03 | 0.02 | 0.11 | 0.00 | 0.02 | 0.03 | -0.04 | 0.04 | -0.02 | 0.06 | -0.08 | 0.00 | 0.07 | 0.02 | -0.09 | -0.01 | 0.05 | 0.01 | 0.02 | 0.09 | 0.02 | -0.03 | 0.05 | -0.03 | 0.07 | -0.08 | 0.00 | 0.00 | -0.07 | -0.05 | -0.03 | -0.02 | 0.05 | 0.07 | 0.04 | 0.15 | 0.08 | -0.11 | -0.03 | 0.20 | 0.04 | -0.03 | 0.02 | -0.06 | -0.09 | -0.04 | 0.04 | 0.07 | 0.12 | -0.02 | -0.05 | 0.07 | -0.01 | -0.07 | -0.09 | 0.05 | 0.03 | -0.01 | 0.00 | 0.10 | 0.04 | -0.07 | 0.01 | -0.10 | 0.09 | 0.04 | -0.03 | 0.08 | 0.05 | 0.00 | -0.05 | 0.11 |
| Ins.Brands5 | 0.04 | 0.06 | 0.35 | -0.05 | 0.00 | 0.02 | 0.18 | 0.02 | -0.01 | -0.02 | 0.21 | 0.14 | 0.05 | -0.08 | 0.17 | -0.04 | -0.06 | 0.07 | -0.06 | -0.01 | 0.10 | 0.06 | 0.03 | 0.02 | 0.10 | 0.00 | -0.05 | 0.05 | 0.13 | 0.03 | -0.01 | 0.07 | -0.08 | 0.02 | 0.01 | 0.05 | -0.05 | -0.04 | 0.16 | -0.03 | -0.04 | -0.03 | 0.01 | -0.03 | -0.04 | -0.07 | 0.06 | -0.04 | -0.17 | 0.00 | 0.16 | 0.00 | -0.09 | -0.05 | 0.10 | 0.09 | -0.01 | 0.06 | -0.06 | 0.03 | 0.03 | 0.15 | 0.07 | -0.12 | 0.03 | -0.07 | 0.03 | 0.04 | 0.00 | -0.14 | -0.16 | -0.05 | -0.05 | -0.05 | 0.00 | 0.15 | 0.04 | -0.01 | 0.00 | 0.11 | 0.06 | 0.02 | -0.05 | 0.07 | 0.07 | 0.22 | -0.11 | -0.06 | -0.10 | -0.06 | 0.08 | 0.09 | -0.03 | -0.11 | 0.01 | 0.08 | -0.09 |
| L.H.Own6 | 0.04 | 0.30 | 0.09 | 0.05 | 0.01 | 0.19 | 0.00 | 0.19 | 0.06 | -0.01 | 0.07 | -0.01 | -0.02 | -0.05 | 0.08 | 0.06 | 0.13 | -0.19 | 0.01 | 0.06 | -0.09 | -0.04 | 0.14 | 0.07 | 0.06 | 0.12 | 0.02 | 0.02 | -0.15 | -0.02 | 0.15 | 0.08 | 0.05 | 0.04 | 0.06 | 0.13 | -0.03 | 0.14 | 0.02 | 0.20 | -0.12 | 0.15 | 0.13 | -0.05 | 0.06 | -0.02 | 0.03 | 0.05 | -0.17 | 0.05 | -0.03 | 0.10 | -0.02 | 0.12 | 0.06 | 0.02 | 0.01 | 0.08 | 0.00 | -0.08 | 0.07 | 0.07 | 0.09 | 0.09 | 0.14 | -0.01 | 0.07 | 0.09 | -0.06 | 0.16 | 0.01 | -0.04 | -0.07 | -0.06 | 0.01 | 0.09 | -0.07 | -0.07 | -0.07 | 0.06 | -0.05 | 0.06 | -0.02 | 0.01 | 0.07 | 0.06 | 0.00 | 0.13 | -0.06 | -0.04 | 0.02 | -0.10 | 0.09 | -0.02 | -0.01 | 0.02 | 0.04 |
| L.H.Own7 | 0.04 | 0.29 | 0.02 | 0.04 | 0.04 | 0.19 | 0.04 | 0.06 | 0.13 | 0.04 | 0.03 | -0.01 | 0.01 | -0.10 | 0.18 | 0.14 | 0.08 | -0.03 | 0.10 | -0.07 | 0.04 | 0.02 | 0.27 | -0.04 | -0.07 | -0.02 | 0.03 | 0.03 | 0.04 | -0.03 | 0.21 | 0.04 | 0.06 | -0.07 | 0.07 | -0.07 | -0.05 | 0.02 | 0.01 | 0.14 | 0.13 | 0.15 | 0.00 | 0.01 | 0.10 | 0.00 | 0.14 | 0.08 | -0.02 | 0.07 | -0.17 | 0.08 | -0.03 | 0.13 | -0.14 | -0.01 | 0.05 | -0.11 | 0.03 | -0.05 | 0.09 | -0.08 | -0.04 | 0.02 | -0.14 | 0.06 | 0.01 | -0.01 | 0.11 | 0.03 | -0.03 | -0.10 | 0.12 | -0.05 | 0.01 | 0.01 | -0.03 | 0.06 | -0.11 | 0.04 | -0.11 | 0.03 | -0.03 | 0.07 | 0.04 | 0.01 | -0.10 | 0.15 | -0.01 | 0.00 | -0.02 | -0.06 | 0.00 | -0.08 | -0.08 | -0.04 | 0.11 |
| L.H.Own8 | 0.04 | 0.24 | 0.09 | 0.01 | 0.03 | 0.10 | 0.08 | -0.02 | -0.03 | 0.03 | 0.15 | 0.12 | -0.04 | 0.09 | 0.24 | 0.06 | 0.05 | 0.01 | 0.02 | 0.09 | 0.02 | 0.05 | 0.05 | 0.08 | -0.04 | 0.07 | -0.02 | 0.03 | -0.13 | -0.03 | 0.11 | 0.25 | 0.09 | -0.08 | -0.01 | -0.02 | -0.02 | -0.17 | -0.12 | 0.10 | -0.08 | 0.12 | -0.04 | -0.04 | 0.05 | -0.06 | 0.15 | 0.08 | -0.01 | 0.05 | -0.06 | -0.03 | -0.04 | 0.09 | 0.03 | 0.04 | 0.07 | -0.02 | 0.01 | 0.03 | -0.07 | 0.00 | 0.28 | 0.05 | -0.10 | 0.02 | 0.05 | -0.07 | -0.01 | 0.15 | 0.09 | 0.00 | -0.02 | 0.10 | -0.01 | 0.01 | -0.07 | -0.13 | -0.03 | 0.15 | -0.07 | -0.04 | 0.05 | 0.04 | -0.06 | -0.10 | 0.06 | 0.10 | -0.03 | 0.03 | 0.23 | -0.04 | -0.08 | -0.01 | 0.00 | 0.00 | 0.07 |
| Gen.Own3 | 0.04 | 0.08 | 0.02 | 0.01 | 0.16 | 0.20 | 0.16 | 0.13 | 0.06 | -0.02 | 0.03 | 0.09 | -0.07 | -0.04 | 0.16 | 0.11 | 0.18 | -0.02 | 0.11 | 0.00 | -0.03 | 0.03 | 0.39 | 0.08 | -0.01 | 0.15 | -0.05 | 0.00 | 0.07 | 0.00 | 0.06 | 0.02 | -0.01 | 0.07 | 0.01 | 0.08 | 0.08 | 0.13 | -0.14 | -0.09 | 0.14 | 0.10 | -0.04 | 0.00 | -0.10 | 0.08 | 0.05 | 0.08 | -0.01 | 0.04 | 0.06 | 0.11 | -0.05 | 0.07 | -0.04 | 0.03 | -0.03 | 0.09 | 0.14 | 0.04 | -0.07 | 0.17 | 0.00 | 0.15 | -0.01 | 0.04 | 0.09 | 0.01 | 0.05 | 0.01 | -0.01 | -0.08 | -0.02 | -0.04 | 0.05 | -0.01 | -0.01 | -0.07 | 0.08 | 0.12 | 0.03 | 0.03 | 0.02 | -0.06 | 0.01 | 0.02 | -0.01 | -0.04 | 0.03 | 0.13 | 0.09 | -0.02 | -0.08 | -0.08 | -0.14 | 0.01 | -0.10 |
| L.H.Lack3 | 0.04 | 0.13 | 0.12 | 0.05 | 0.13 | -0.04 | -0.06 | 0.10 | -0.07 | 0.19 | 0.21 | 0.15 | -0.08 | 0.01 | 0.01 | -0.09 | -0.04 | -0.02 | 0.19 | 0.05 | 0.02 | -0.01 | -0.12 | 0.02 | 0.04 | 0.05 | -0.02 | 0.12 | 0.02 | 0.11 | 0.05 | 0.08 | 0.03 | 0.05 | 0.13 | 0.12 | 0.01 | 0.01 | 0.04 | -0.15 | 0.03 | -0.04 | 0.17 | 0.03 | -0.04 | -0.03 | -0.11 | 0.01 | 0.09 | -0.12 | 0.03 | 0.06 | 0.02 | 0.15 | 0.06 | 0.09 | 0.06 | 0.21 | 0.04 | 0.04 | 0.03 | 0.17 | 0.13 | -0.01 | -0.08 | -0.08 | 0.02 | -0.09 | 0.14 | 0.01 | -0.05 | -0.02 | 0.01 | -0.03 | -0.04 | 0.04 | -0.07 | -0.12 | -0.02 | 0.11 | 0.14 | 0.11 | -0.09 | -0.12 | -0.04 | -0.15 | 0.10 | 0.11 | -0.01 | 0.05 | 0.01 | 0.08 | 0.02 | -0.07 | -0.12 | 0.15 | -0.10 |
| Gen.Lack5 | 0.04 | 0.06 | 0.05 | 0.07 | 0.03 | 0.55 | 0.13 | 0.34 | 0.06 | 0.03 | 0.15 | 0.07 | 0.05 | 0.05 | 0.09 | 0.01 | -0.08 | 0.04 | -0.04 | 0.11 | -0.01 | -0.03 | 0.01 | 0.05 | 0.04 | -0.06 | -0.02 | 0.07 | -0.01 | 0.00 | 0.02 | -0.02 | -0.02 | 0.00 | 0.05 | 0.01 | 0.05 | -0.05 | -0.01 | -0.08 | 0.05 | -0.05 | 0.02 | 0.05 | -0.04 | 0.07 | 0.10 | -0.01 | 0.06 | -0.09 | 0.11 | -0.03 | 0.09 | 0.00 | 0.08 | 0.03 | -0.08 | -0.05 | 0.00 | 0.01 | -0.02 | -0.01 | 0.01 | 0.05 | 0.08 | -0.01 | 0.07 | -0.13 | -0.04 | -0.06 | 0.20 | 0.02 | 0.02 | 0.10 | -0.02 | 0.01 | 0.13 | 0.01 | -0.06 | 0.05 | -0.08 | -0.07 | -0.11 | 0.02 | 0.08 | -0.03 | 0.02 | 0.04 | 0.05 | 0.01 | -0.13 | 0.01 | 0.01 | -0.02 | 0.00 | -0.11 | 0.00 |
| L.H.Res3 | 0.04 | 0.02 | 0.12 | -0.04 | -0.03 | 0.04 | 0.14 | 0.02 | 0.01 | -0.01 | 0.14 | 0.04 | 0.02 | 0.07 | 0.05 | 0.14 | 0.00 | 0.04 | 0.03 | -0.03 | 0.04 | 0.00 | 0.08 | 0.01 | 0.01 | 0.02 | -0.01 | -0.02 | 0.00 | 0.78 | 0.02 | 0.03 | 0.04 | 0.03 | -0.02 | -0.07 | -0.05 | 0.05 | -0.01 | 0.00 | 0.00 | 0.06 | -0.01 | -0.06 | -0.03 | -0.02 | -0.01 | 0.10 | 0.02 | 0.04 | 0.07 | 0.03 | -0.03 | 0.05 | 0.03 | 0.03 | 0.01 | 0.03 | 0.10 | 0.00 | 0.03 | -0.03 | 0.02 | -0.05 | -0.01 | 0.02 | 0.06 | 0.05 | 0.03 | 0.03 | -0.01 | 0.01 | 0.09 | 0.00 | 0.06 | 0.00 | 0.00 | -0.03 | 0.00 | 0.00 | 0.01 | 0.03 | -0.06 | -0.04 | 0.04 | 0.03 | -0.03 | -0.03 | 0.03 | 0.01 | -0.05 | 0.03 | -0.01 | -0.01 | 0.01 | 0.02 | -0.02 |
| InvIns.SalesChan2 | 0.04 | 0.03 | 0.05 | -0.02 | -0.10 | -0.02 | 0.06 | 0.11 | 0.06 | 0.01 | 0.80 | 0.06 | -0.05 | -0.03 | 0.00 | 0.06 | 0.00 | 0.02 | 0.10 | -0.06 | -0.01 | -0.01 | 0.03 | 0.00 | 0.03 | 0.04 | -0.01 | -0.06 | 0.03 | 0.04 | -0.04 | 0.01 | 0.04 | 0.03 | -0.02 | -0.01 | -0.02 | -0.01 | 0.04 | 0.03 | 0.04 | 0.02 | -0.02 | -0.01 | -0.05 | 0.04 | 0.10 | 0.05 | 0.05 | 0.06 | 0.05 | -0.03 | -0.03 | 0.03 | 0.00 | 0.02 | -0.04 | 0.06 | 0.02 | 0.03 | -0.06 | -0.04 | 0.01 | 0.02 | -0.02 | -0.05 | -0.07 | -0.04 | 0.02 | -0.03 | 0.01 | 0.02 | 0.01 | 0.03 | -0.03 | 0.00 | 0.00 | -0.01 | 0.00 | -0.03 | -0.04 | 0.00 | -0.01 | 0.07 | 0.03 | -0.01 | 0.06 | 0.08 | 0.00 | 0.02 | -0.05 | -0.01 | -0.07 | -0.08 | 0.07 | 0.05 | 0.03 |
| InvIns.SalesChan6 | 0.04 | -0.02 | -0.04 | 0.48 | -0.02 | 0.11 | -0.02 | -0.01 | -0.01 | 0.01 | 0.01 | -0.05 | 0.10 | 0.02 | -0.07 | -0.02 | -0.03 | 0.01 | -0.01 | 0.02 | 0.04 | -0.02 | 0.02 | -0.03 | -0.01 | -0.11 | -0.01 | -0.01 | -0.01 | -0.05 | -0.03 | -0.01 | -0.03 | -0.01 | -0.06 | 0.07 | 0.01 | -0.01 | 0.06 | -0.01 | -0.05 | -0.04 | -0.03 | 0.05 | -0.03 | 0.05 | -0.06 | 0.01 | -0.11 | 0.01 | 0.07 | 0.60 | -0.06 | -0.05 | 0.03 | -0.07 | 0.01 | -0.08 | 0.07 | -0.03 | 0.07 | -0.05 | -0.01 | -0.01 | -0.03 | -0.01 | -0.01 | -0.08 | 0.01 | 0.06 | -0.06 | 0.07 | 0.05 | 0.02 | 0.01 | 0.01 | 0.04 | 0.07 | 0.01 | -0.02 | 0.02 | 0.03 | -0.11 | 0.01 | -0.02 | -0.07 | 0.08 | -0.04 | 0.01 | -0.06 | 0.07 | 0.00 | 0.02 | 0.00 | -0.09 | -0.01 | -0.02 |
| Other.Family | 0.03 | -0.08 | -0.07 | 0.04 | -0.06 | 0.00 | -0.09 | 0.02 | 0.09 | 0.00 | 0.06 | 0.10 | -0.04 | 0.05 | 0.01 | 0.05 | 0.17 | -0.10 | 0.00 | -0.13 | -0.07 | -0.14 | -0.03 | 0.04 | -0.02 | 0.41 | -0.06 | 0.15 | 0.19 | -0.02 | 0.06 | 0.07 | -0.10 | 0.14 | 0.01 | 0.16 | 0.17 | -0.17 | -0.01 | -0.01 | 0.06 | 0.03 | -0.08 | -0.07 | -0.14 | 0.03 | -0.04 | 0.10 | 0.04 | -0.08 | 0.01 | -0.09 | -0.04 | 0.00 | 0.01 | 0.06 | 0.02 | -0.13 | 0.03 | 0.03 | -0.08 | -0.01 | 0.09 | -0.01 | 0.03 | 0.16 | 0.01 | -0.09 | -0.03 | 0.09 | -0.01 | 0.08 | 0.02 | -0.01 | 0.04 | 0.01 | 0.12 | -0.02 | -0.02 | -0.02 | 0.05 | 0.06 | 0.12 | 0.00 | 0.07 | 0.10 | -0.05 | -0.01 | 0.01 | 0.01 | -0.03 | -0.09 | -0.08 | 0.07 | -0.03 | -0.07 | -0.01 |
| Lifestyle10 | 0.03 | 0.07 | 0.09 | -0.03 | 0.04 | 0.00 | 0.01 | 0.12 | 0.03 | 0.06 | 0.04 | -0.02 | -0.09 | 0.21 | 0.15 | -0.08 | 0.02 | -0.01 | 0.13 | 0.03 | 0.04 | 0.25 | 0.00 | 0.04 | 0.07 | 0.10 | 0.12 | 0.07 | -0.02 | 0.06 | -0.02 | 0.07 | 0.04 | 0.06 | -0.02 | -0.13 | 0.07 | -0.10 | 0.10 | 0.00 | 0.24 | 0.00 | 0.05 | 0.04 | 0.20 | -0.07 | -0.07 | 0.01 | -0.09 | -0.02 | 0.04 | 0.14 | -0.01 | -0.02 | -0.10 | -0.03 | -0.13 | -0.01 | 0.10 | 0.03 | -0.08 | -0.01 | 0.06 | 0.02 | -0.16 | 0.02 | 0.20 | -0.06 | 0.13 | 0.10 | -0.14 | 0.00 | 0.03 | 0.04 | -0.04 | 0.04 | 0.05 | -0.10 | 0.01 | 0.00 | -0.06 | 0.04 | 0.03 | 0.20 | -0.12 | -0.04 | -0.03 | -0.15 | -0.07 | 0.07 | 0.00 | 0.06 | 0.00 | -0.07 | 0.03 | -0.14 | -0.06 |
| L.H.Needs8 | 0.03 | 0.57 | 0.07 | 0.08 | 0.07 | 0.21 | -0.03 | 0.03 | -0.07 | 0.04 | 0.07 | 0.03 | 0.06 | 0.02 | 0.05 | 0.07 | 0.00 | 0.01 | 0.01 | -0.06 | 0.08 | 0.04 | 0.07 | -0.06 | 0.01 | 0.00 | -0.01 | -0.02 | 0.13 | 0.08 | 0.04 | 0.06 | 0.08 | -0.06 | 0.03 | -0.10 | -0.05 | -0.13 | -0.14 | 0.08 | 0.11 | 0.02 | 0.02 | 0.00 | 0.15 | -0.02 | -0.06 | 0.00 | 0.03 | -0.04 | -0.07 | -0.06 | 0.03 | 0.08 | -0.03 | -0.02 | 0.00 | 0.03 | -0.04 | -0.10 | -0.13 | -0.04 | 0.12 | -0.05 | -0.09 | 0.06 | 0.00 | -0.13 | 0.04 | 0.02 | -0.04 | -0.05 | 0.08 | -0.04 | -0.08 | 0.00 | -0.02 | 0.13 | 0.06 | 0.08 | 0.01 | 0.02 | 0.11 | -0.06 | -0.06 | -0.02 | -0.03 | -0.02 | 0.01 | -0.07 | -0.09 | 0.03 | 0.04 | 0.03 | 0.04 | 0.03 | 0.05 |
| Gen.Needs3 | 0.03 | 0.28 | 0.02 | 0.05 | 0.05 | 0.34 | 0.13 | 0.08 | 0.07 | 0.14 | 0.00 | -0.11 | -0.08 | 0.11 | 0.04 | 0.08 | -0.01 | 0.02 | 0.06 | -0.12 | -0.01 | 0.06 | -0.04 | -0.03 | -0.09 | 0.04 | -0.01 | 0.05 | 0.11 | 0.04 | 0.05 | 0.25 | 0.06 | 0.04 | 0.07 | -0.06 | 0.00 | 0.19 | -0.07 | -0.02 | 0.03 | 0.00 | -0.04 | 0.10 | -0.02 | 0.11 | 0.12 | -0.04 | -0.03 | -0.03 | -0.13 | 0.01 | 0.14 | 0.11 | 0.03 | -0.02 | 0.05 | -0.01 | 0.00 | -0.06 | 0.05 | 0.02 | 0.09 | 0.01 | -0.08 | -0.04 | 0.01 | -0.06 | 0.11 | -0.01 | -0.08 | 0.05 | 0.02 | -0.08 | 0.05 | 0.05 | 0.04 | -0.02 | 0.17 | 0.20 | -0.02 | 0.07 | 0.00 | 0.07 | -0.02 | 0.03 | -0.07 | -0.05 | -0.02 | 0.21 | 0.10 | 0.00 | -0.06 | -0.02 | 0.05 | 0.09 | 0.03 |
| Ins.Service10 | 0.03 | -0.01 | -0.02 | 0.00 | -0.03 | 0.03 | 0.00 | -0.01 | -0.03 | -0.04 | 0.01 | 0.02 | -0.05 | 0.03 | 0.05 | 0.06 | -0.04 | -0.02 | 0.01 | 0.05 | 0.06 | -0.03 | -0.03 | 0.01 | 0.04 | 0.05 | -0.02 | 0.09 | 0.06 | -0.03 | -0.06 | 0.03 | 0.07 | -0.01 | 0.00 | 0.80 | -0.02 | -0.03 | -0.01 | 0.01 | 0.04 | 0.02 | 0.02 | 0.04 | -0.05 | 0.00 | 0.00 | 0.02 | 0.05 | 0.11 | 0.00 | -0.01 | 0.00 | 0.03 | -0.01 | 0.02 | -0.05 | 0.03 | 0.04 | 0.00 | 0.00 | 0.01 | 0.01 | -0.07 | 0.01 | 0.03 | 0.00 | -0.02 | 0.00 | 0.02 | -0.02 | -0.02 | 0.06 | 0.03 | -0.03 | -0.02 | 0.00 | 0.05 | 0.03 | 0.08 | -0.02 | -0.03 | 0.01 | 0.00 | -0.04 | -0.04 | -0.06 | 0.12 | 0.01 | -0.02 | -0.02 | -0.04 | 0.01 | -0.01 | 0.01 | -0.03 | 0.11 |
| Ins.Service11 | 0.03 | -0.08 | 0.11 | -0.04 | -0.05 | 0.01 | 0.02 | 0.08 | 0.06 | 0.18 | -0.04 | 0.01 | 0.06 | 0.10 | 0.33 | -0.05 | 0.04 | -0.14 | 0.02 | -0.02 | -0.01 | 0.13 | -0.02 | -0.05 | 0.11 | -0.08 | -0.02 | -0.03 | -0.09 | 0.01 | 0.07 | 0.12 | -0.20 | -0.02 | -0.08 | -0.06 | 0.21 | 0.14 | 0.15 | -0.10 | -0.02 | -0.21 | 0.04 | -0.12 | -0.13 | 0.07 | 0.09 | 0.07 | 0.04 | -0.03 | -0.05 | -0.01 | -0.09 | 0.11 | 0.00 | -0.12 | 0.07 | 0.17 | -0.08 | -0.03 | 0.08 | 0.01 | 0.02 | 0.04 | -0.08 | 0.03 | 0.09 | -0.08 | 0.05 | 0.01 | 0.00 | 0.07 | -0.03 | 0.01 | -0.06 | 0.03 | -0.17 | -0.01 | 0.00 | 0.01 | 0.01 | -0.04 | 0.04 | 0.00 | 0.01 | -0.09 | -0.11 | 0.23 | -0.04 | 0.02 | 0.02 | 0.03 | 0.12 | -0.01 | 0.03 | 0.06 | 0.00 |
| Ins.Brands3 | 0.03 | -0.01 | 0.43 | 0.00 | -0.01 | -0.06 | 0.03 | -0.10 | 0.08 | 0.17 | 0.01 | 0.10 | -0.07 | 0.13 | 0.06 | 0.09 | -0.12 | -0.05 | 0.12 | -0.07 | -0.02 | -0.19 | -0.09 | -0.04 | 0.08 | 0.15 | -0.01 | -0.06 | 0.00 | 0.16 | 0.07 | 0.12 | 0.08 | 0.06 | 0.03 | 0.05 | 0.02 | 0.03 | 0.10 | 0.13 | -0.08 | 0.01 | -0.01 | 0.06 | 0.07 | -0.02 | 0.18 | -0.07 | -0.09 | 0.08 | -0.08 | 0.04 | -0.08 | 0.02 | 0.01 | -0.06 | -0.04 | -0.02 | 0.15 | 0.01 | 0.06 | -0.03 | -0.06 | -0.07 | 0.02 | 0.02 | 0.08 | 0.00 | 0.03 | -0.09 | 0.00 | 0.01 | 0.00 | 0.04 | -0.07 | -0.25 | 0.03 | 0.05 | -0.06 | -0.08 | -0.03 | 0.02 | -0.07 | -0.04 | 0.08 | 0.06 | -0.10 | 0.03 | -0.08 | 0.11 | -0.04 | 0.08 | -0.02 | -0.05 | -0.06 | -0.05 | -0.01 |
| Ins.Brands10 | 0.03 | -0.06 | 0.50 | -0.01 | -0.02 | -0.06 | 0.06 | -0.08 | -0.05 | -0.12 | 0.10 | -0.13 | 0.00 | 0.08 | 0.02 | 0.07 | 0.00 | 0.06 | 0.10 | 0.03 | 0.01 | 0.02 | -0.04 | 0.02 | 0.01 | 0.10 | 0.01 | -0.09 | -0.02 | -0.03 | 0.07 | 0.09 | -0.07 | 0.01 | 0.00 | 0.04 | 0.02 | -0.09 | -0.02 | -0.11 | 0.08 | -0.02 | -0.02 | 0.02 | 0.05 | 0.09 | 0.12 | -0.03 | 0.00 | 0.03 | -0.07 | -0.01 | -0.01 | -0.05 | -0.06 | -0.06 | 0.01 | -0.13 | 0.17 | 0.00 | 0.01 | 0.06 | 0.08 | 0.05 | 0.13 | 0.14 | 0.05 | 0.15 | -0.01 | 0.07 | -0.08 | 0.12 | 0.01 | -0.03 | 0.04 | 0.02 | 0.02 | -0.02 | 0.05 | -0.15 | 0.02 | -0.02 | -0.09 | -0.02 | -0.02 | 0.05 | 0.13 | -0.14 | -0.09 | 0.00 | 0.07 | 0.07 | 0.04 | 0.00 | 0.07 | 0.15 | -0.04 |
| Gen.Own1 | 0.03 | 0.07 | 0.02 | 0.02 | 0.09 | 0.00 | 0.00 | 0.10 | 0.05 | 0.05 | -0.01 | -0.01 | 0.02 | -0.04 | 0.02 | 0.00 | 0.13 | 0.11 | 0.03 | 0.02 | 0.03 | 0.01 | -0.02 | 0.06 | 0.05 | 0.08 | -0.07 | 0.00 | 0.05 | 0.00 | 0.80 | -0.02 | 0.01 | 0.02 | -0.02 | -0.08 | 0.02 | 0.00 | 0.03 | -0.10 | -0.01 | 0.06 | -0.07 | 0.06 | -0.02 | -0.02 | -0.03 | -0.02 | 0.05 | -0.02 | -0.03 | -0.01 | 0.02 | -0.04 | -0.02 | 0.05 | 0.00 | -0.04 | 0.01 | 0.01 | -0.01 | 0.06 | -0.04 | -0.01 | 0.11 | -0.05 | 0.05 | 0.01 | 0.02 | -0.01 | 0.04 | 0.03 | -0.01 | -0.02 | 0.02 | 0.03 | 0.00 | -0.02 | 0.04 | 0.01 | 0.05 | 0.00 | 0.06 | 0.00 | 0.04 | 0.03 | 0.02 | -0.05 | 0.05 | 0.03 | 0.03 | 0.02 | 0.06 | -0.03 | -0.02 | 0.00 | 0.02 |
| InvIns.SalesChan3 | 0.03 | 0.03 | 0.08 | -0.04 | -0.04 | 0.02 | 0.11 | 0.00 | 0.16 | 0.12 | 0.09 | 0.69 | 0.07 | 0.03 | 0.01 | 0.16 | 0.04 | 0.05 | 0.15 | -0.01 | 0.02 | 0.13 | -0.04 | -0.02 | 0.04 | 0.02 | -0.01 | 0.00 | 0.05 | 0.12 | 0.04 | -0.02 | 0.01 | -0.05 | -0.03 | 0.09 | 0.01 | 0.09 | 0.00 | 0.06 | 0.05 | -0.03 | 0.07 | 0.07 | 0.06 | -0.01 | -0.04 | -0.08 | 0.03 | -0.03 | 0.00 | 0.06 | 0.05 | 0.04 | 0.05 | 0.04 | 0.01 | -0.03 | 0.00 | -0.08 | 0.02 | 0.00 | 0.01 | 0.02 | -0.04 | -0.05 | -0.04 | 0.05 | -0.12 | 0.02 | 0.03 | -0.04 | -0.05 | -0.05 | 0.05 | -0.01 | 0.06 | -0.02 | 0.05 | -0.02 | 0.04 | 0.09 | 0.00 | -0.02 | -0.01 | -0.05 | -0.01 | 0.09 | -0.03 | 0.03 | 0.03 | 0.04 | -0.04 | -0.01 | 0.03 | -0.02 | 0.02 |
| InsChoice.Driver3 | 0.03 | 0.02 | 0.01 | 0.02 | 0.01 | 0.08 | -0.09 | 0.00 | -0.07 | -0.03 | 0.01 | 0.04 | 0.02 | 0.03 | -0.04 | 0.00 | 0.03 | 0.00 | -0.05 | 0.05 | 0.04 | -0.03 | 0.08 | 0.07 | -0.03 | -0.01 | 0.06 | 0.00 | -0.02 | -0.03 | -0.01 | -0.01 | 0.00 | 0.05 | -0.02 | 0.07 | 0.07 | 0.02 | 0.06 | -0.03 | -0.04 | -0.02 | 0.03 | 0.05 | 0.12 | 0.03 | 0.01 | 0.02 | -0.04 | -0.01 | -0.03 | 0.03 | -0.04 | -0.05 | -0.04 | 0.08 | 0.00 | 0.03 | -0.03 | 0.02 | -0.09 | -0.01 | 0.00 | 0.02 | 0.00 | -0.02 | 0.08 | 0.02 | -0.05 | -0.08 | 0.01 | 0.01 | -0.15 | -0.07 | 0.10 | 0.07 | 0.05 | 0.76 | 0.15 | 0.01 | 0.05 | 0.07 | 0.00 | -0.01 | -0.02 | 0.02 | -0.08 | 0.03 | 0.06 | 0.02 | 0.10 | 0.05 | 0.00 | 0.04 | -0.03 | 0.01 | 0.01 |
| InsChoice.Driver7 | 0.03 | 0.01 | 0.06 | -0.03 | -0.04 | 0.01 | -0.03 | -0.07 | -0.01 | 0.05 | 0.00 | -0.05 | 0.00 | -0.01 | 0.04 | -0.01 | 0.04 | -0.01 | 0.04 | 0.02 | -0.02 | -0.07 | 0.05 | -0.02 | 0.02 | 0.04 | -0.02 | 0.00 | 0.01 | 0.05 | 0.01 | 0.10 | -0.04 | -0.02 | 0.05 | 0.01 | -0.03 | 0.04 | -0.02 | 0.01 | 0.00 | -0.04 | 0.00 | -0.01 | -0.01 | 0.07 | 0.01 | -0.01 | -0.04 | 0.04 | 0.01 | -0.01 | 0.00 | -0.03 | 0.06 | 0.03 | 0.02 | 0.02 | 0.02 | 0.01 | -0.05 | 0.04 | 0.05 | -0.02 | -0.02 | 0.02 | 0.01 | 0.03 | 0.80 | -0.01 | 0.00 | 0.11 | -0.06 | 0.03 | 0.01 | -0.01 | 0.01 | -0.04 | -0.03 | 0.10 | 0.02 | 0.04 | 0.01 | 0.03 | -0.03 | 0.02 | -0.01 | -0.03 | 0.03 | -0.03 | -0.02 | 0.00 | 0.01 | -0.02 | 0.01 | 0.01 | -0.01 |
| Switch.Drivers12 | 0.03 | 0.02 | 0.01 | -0.02 | -0.03 | -0.04 | -0.02 | -0.04 | 0.04 | 0.19 | 0.02 | 0.04 | -0.03 | 0.05 | -0.01 | 0.00 | 0.07 | 0.06 | 0.05 | -0.07 | 0.03 | 0.07 | -0.01 | 0.02 | 0.08 | 0.03 | -0.01 | 0.06 | 0.00 | 0.00 | 0.02 | 0.10 | 0.01 | 0.02 | 0.03 | 0.14 | 0.00 | -0.01 | 0.00 | -0.05 | 0.10 | -0.03 | 0.10 | 0.02 | 0.02 | 0.07 | 0.09 | 0.05 | 0.05 | 0.72 | -0.06 | 0.02 | 0.03 | 0.04 | -0.04 | 0.00 | 0.02 | 0.08 | -0.05 | 0.03 | -0.01 | 0.02 | 0.02 | -0.02 | -0.09 | 0.02 | 0.02 | -0.01 | 0.04 | -0.03 | -0.02 | 0.03 | 0.03 | -0.01 | -0.01 | -0.01 | 0.04 | -0.01 | -0.01 | 0.05 | 0.00 | 0.04 | -0.03 | 0.04 | 0.00 | -0.01 | -0.03 | 0.08 | 0.03 | -0.05 | -0.10 | 0.03 | 0.01 | 0.00 | -0.07 | 0.06 | 0.01 |
| Dec.Making2 | 0.02 | -0.02 | 0.10 | 0.07 | 0.14 | 0.04 | 0.07 | -0.01 | 0.12 | 0.03 | 0.13 | -0.04 | -0.02 | 0.07 | -0.01 | -0.10 | -0.01 | 0.10 | -0.07 | 0.08 | 0.09 | 0.10 | 0.05 | 0.00 | -0.04 | 0.07 | -0.05 | -0.01 | 0.07 | -0.01 | 0.07 | 0.00 | 0.10 | 0.23 | 0.10 | -0.03 | 0.25 | 0.12 | 0.01 | 0.10 | 0.04 | -0.05 | 0.11 | 0.13 | 0.00 | 0.19 | 0.10 | -0.02 | 0.03 | 0.05 | 0.06 | 0.12 | 0.01 | 0.09 | -0.02 | 0.04 | 0.07 | -0.12 | 0.04 | -0.11 | -0.08 | 0.03 | -0.01 | -0.10 | 0.04 | 0.01 | 0.19 | 0.06 | 0.01 | 0.13 | 0.06 | -0.01 | -0.01 | 0.07 | 0.04 | 0.09 | 0.18 | -0.09 | 0.17 | 0.07 | 0.05 | -0.08 | 0.13 | -0.06 | 0.03 | -0.13 | 0.08 | 0.07 | -0.01 | -0.01 | -0.10 | -0.01 | -0.03 | 0.04 | 0.00 | 0.02 | -0.20 |
| Dec.Making7 | 0.02 | -0.05 | -0.06 | 0.02 | -0.01 | -0.02 | -0.04 | 0.06 | -0.03 | 0.04 | -0.05 | -0.08 | -0.03 | 0.00 | 0.09 | -0.03 | 0.01 | -0.14 | -0.04 | -0.01 | -0.19 | 0.15 | 0.12 | 0.03 | 0.03 | 0.00 | -0.02 | 0.06 | -0.04 | 0.03 | 0.00 | 0.11 | -0.16 | -0.31 | 0.06 | 0.09 | 0.02 | 0.03 | 0.04 | -0.07 | 0.00 | -0.02 | -0.10 | -0.10 | -0.10 | -0.09 | -0.04 | -0.06 | 0.23 | 0.04 | 0.11 | -0.05 | 0.10 | 0.03 | -0.04 | -0.16 | 0.01 | -0.19 | -0.05 | -0.10 | -0.01 | 0.13 | -0.03 | -0.03 | 0.04 | -0.10 | -0.13 | 0.08 | -0.05 | 0.06 | -0.03 | 0.09 | -0.04 | 0.01 | 0.16 | 0.04 | 0.06 | 0.24 | -0.11 | -0.01 | 0.08 | 0.02 | 0.10 | -0.02 | 0.01 | -0.03 | 0.00 | -0.02 | -0.06 | 0.13 | -0.09 | 0.02 | 0.04 | -0.07 | -0.03 | -0.05 | 0.19 |
| SocialMedia.Freq | 0.02 | 0.00 | 0.06 | 0.04 | 0.07 | 0.03 | -0.01 | -0.03 | -0.03 | 0.03 | 0.02 | -0.02 | 0.00 | 0.05 | 0.07 | 0.01 | 0.10 | 0.07 | 0.00 | 0.06 | 0.09 | 0.05 | 0.01 | 0.00 | 0.03 | 0.05 | 0.00 | 0.03 | 0.02 | 0.01 | 0.03 | -0.01 | -0.01 | 0.77 | 0.10 | 0.01 | 0.05 | 0.06 | 0.00 | -0.02 | 0.05 | 0.08 | 0.04 | 0.04 | 0.01 | -0.01 | 0.07 | -0.01 | -0.03 | 0.00 | 0.00 | 0.03 | 0.00 | -0.01 | 0.04 | -0.01 | 0.05 | 0.06 | 0.03 | -0.04 | 0.04 | 0.06 | -0.05 | 0.07 | -0.08 | 0.00 | 0.00 | -0.02 | -0.01 | -0.03 | -0.04 | 0.04 | 0.07 | -0.01 | 0.02 | 0.05 | 0.00 | 0.04 | 0.02 | 0.03 | 0.05 | 0.06 | 0.03 | 0.00 | 0.00 | 0.06 | -0.03 | 0.01 | 0.04 | -0.01 | 0.02 | -0.06 | 0.07 | 0.02 | 0.00 | -0.01 | 0.00 |
| Ins.Service3 | 0.02 | 0.13 | 0.02 | 0.09 | 0.15 | 0.05 | -0.02 | 0.00 | -0.05 | -0.01 | 0.03 | -0.02 | 0.02 | 0.10 | 0.06 | -0.06 | 0.05 | 0.27 | -0.01 | 0.19 | 0.01 | 0.02 | 0.08 | -0.02 | -0.08 | 0.11 | -0.03 | 0.00 | 0.01 | 0.07 | 0.00 | -0.02 | 0.05 | -0.08 | 0.00 | -0.18 | 0.08 | 0.01 | 0.17 | 0.01 | -0.02 | 0.11 | 0.01 | 0.03 | 0.11 | 0.01 | -0.01 | -0.15 | -0.11 | 0.05 | -0.30 | -0.06 | 0.07 | 0.04 | 0.11 | 0.05 | -0.05 | -0.19 | 0.05 | 0.06 | -0.06 | 0.00 | -0.04 | 0.09 | 0.04 | -0.09 | 0.01 | 0.08 | -0.11 | -0.08 | 0.05 | -0.11 | 0.04 | 0.01 | -0.02 | 0.12 | 0.03 | -0.01 | 0.02 | 0.02 | 0.04 | -0.11 | -0.04 | -0.05 | -0.03 | 0.08 | -0.16 | -0.08 | 0.18 | -0.24 | -0.01 | 0.10 | 0.08 | 0.11 | -0.04 | 0.03 | -0.05 |
| Purc.Trig5 | 0.02 | 0.04 | 0.11 | -0.05 | 0.03 | 0.02 | 0.18 | 0.13 | -0.06 | -0.04 | 0.10 | -0.11 | -0.06 | 0.10 | 0.06 | 0.09 | 0.11 | 0.00 | -0.11 | 0.15 | 0.06 | 0.14 | -0.02 | -0.02 | 0.04 | 0.08 | 0.00 | 0.02 | 0.05 | 0.00 | -0.02 | -0.07 | 0.12 | -0.11 | 0.05 | -0.01 | -0.06 | -0.04 | 0.05 | 0.00 | 0.06 | 0.07 | -0.07 | 0.10 | 0.02 | 0.05 | 0.01 | -0.06 | 0.06 | -0.04 | -0.12 | 0.06 | 0.04 | -0.06 | -0.09 | 0.00 | 0.05 | 0.18 | 0.22 | -0.03 | -0.13 | 0.20 | -0.02 | 0.02 | 0.02 | -0.11 | 0.10 | 0.02 | -0.04 | 0.00 | 0.00 | -0.03 | -0.11 | -0.03 | 0.15 | 0.08 | 0.31 | -0.15 | -0.04 | -0.09 | 0.02 | 0.02 | -0.03 | 0.11 | -0.02 | 0.14 | 0.06 | -0.06 | 0.12 | 0.02 | 0.13 | 0.01 | 0.04 | -0.06 | 0.07 | -0.01 | 0.19 |
| L.H.Lack4 | 0.02 | 0.07 | 0.01 | 0.06 | 0.11 | 0.04 | 0.13 | 0.59 | 0.09 | -0.07 | 0.06 | -0.11 | -0.06 | 0.01 | 0.21 | -0.04 | 0.03 | 0.09 | 0.03 | 0.00 | 0.10 | -0.08 | 0.12 | -0.04 | 0.04 | -0.09 | -0.04 | 0.03 | 0.16 | 0.07 | 0.07 | 0.01 | 0.11 | 0.00 | 0.07 | 0.04 | -0.08 | 0.03 | -0.01 | 0.09 | 0.06 | 0.07 | -0.01 | -0.06 | -0.03 | -0.04 | 0.01 | -0.01 | 0.02 | 0.07 | 0.00 | -0.08 | 0.06 | -0.05 | 0.01 | 0.03 | 0.06 | 0.00 | -0.06 | -0.03 | 0.15 | -0.13 | 0.00 | -0.05 | 0.04 | 0.00 | -0.02 | 0.03 | -0.01 | -0.01 | 0.02 | -0.04 | 0.03 | 0.06 | -0.07 | 0.03 | 0.08 | 0.09 | -0.05 | -0.05 | 0.01 | -0.03 | 0.03 | -0.07 | 0.00 | -0.03 | -0.05 | 0.05 | 0.11 | 0.06 | -0.10 | 0.08 | 0.03 | 0.01 | 0.03 | -0.14 | -0.02 |
| L.H.Lack10 | 0.02 | 0.04 | 0.04 | -0.01 | 0.02 | 0.01 | 0.00 | 0.01 | 0.04 | 0.04 | 0.06 | 0.01 | 0.02 | 0.02 | 0.02 | 0.09 | -0.03 | -0.04 | 0.04 | -0.01 | -0.10 | 0.07 | 0.05 | -0.01 | 0.05 | -0.01 | 0.22 | 0.81 | 0.05 | 0.01 | -0.01 | 0.02 | -0.07 | 0.04 | 0.01 | 0.02 | 0.06 | 0.02 | -0.03 | 0.06 | -0.01 | -0.01 | 0.01 | -0.04 | -0.03 | -0.02 | 0.01 | 0.00 | 0.07 | 0.01 | -0.02 | -0.01 | 0.03 | -0.05 | 0.04 | -0.02 | -0.05 | 0.02 | 0.00 | -0.04 | 0.00 | 0.04 | 0.05 | 0.02 | -0.03 | 0.06 | 0.05 | -0.04 | -0.02 | 0.03 | 0.03 | 0.00 | -0.02 | 0.02 | 0.00 | 0.00 | 0.04 | 0.02 | -0.04 | -0.08 | 0.04 | -0.01 | -0.04 | 0.00 | 0.02 | -0.03 | -0.05 | -0.01 | 0.00 | 0.03 | 0.02 | -0.02 | 0.03 | 0.02 | -0.03 | -0.01 | -0.02 |
| Gen.Res5 | 0.02 | 0.13 | 0.02 | -0.02 | 0.12 | 0.03 | 0.27 | 0.05 | 0.11 | -0.01 | 0.10 | 0.18 | 0.04 | 0.31 | 0.03 | 0.04 | -0.08 | 0.03 | 0.09 | 0.02 | 0.03 | 0.01 | 0.00 | -0.03 | 0.05 | 0.13 | -0.03 | -0.10 | 0.18 | 0.14 | 0.06 | 0.05 | -0.02 | -0.08 | -0.09 | -0.07 | 0.13 | 0.02 | 0.22 | 0.00 | -0.03 | -0.08 | 0.00 | 0.11 | 0.05 | -0.03 | 0.01 | 0.14 | -0.04 | -0.01 | 0.19 | -0.05 | 0.14 | -0.06 | -0.06 | -0.07 | 0.03 | 0.03 | 0.08 | -0.06 | 0.03 | 0.03 | 0.05 | 0.05 | -0.08 | 0.03 | -0.04 | 0.11 | -0.07 | 0.04 | -0.01 | 0.03 | 0.02 | -0.03 | 0.09 | 0.08 | 0.06 | -0.12 | -0.03 | -0.09 | -0.07 | -0.01 | -0.11 | 0.09 | 0.09 | 0.05 | 0.00 | -0.05 | 0.14 | 0.06 | -0.08 | 0.06 | 0.00 | -0.06 | -0.02 | -0.02 | -0.03 |
| Savings15 | 0.01 | -0.03 | -0.02 | -0.01 | -0.02 | -0.03 | -0.04 | -0.06 | -0.01 | -0.01 | -0.03 | 0.04 | -0.02 | 0.05 | 0.01 | -0.01 | 0.00 | -0.01 | 0.01 | -0.02 | 0.02 | -0.03 | -0.02 | 0.00 | -0.01 | 0.00 | -0.02 | 0.01 | -0.01 | 0.12 | -0.02 | 0.00 | 0.04 | 0.02 | -0.10 | -0.05 | 0.02 | 0.00 | 0.02 | -0.03 | -0.01 | 0.02 | 0.05 | 0.03 | 0.01 | -0.02 | 0.00 | -0.02 | 0.00 | -0.03 | 0.03 | -0.03 | 0.00 | 0.03 | 0.03 | -0.03 | 0.02 | -0.02 | 0.00 | 0.00 | 0.05 | 0.01 | -0.01 | 0.00 | 0.08 | 0.00 | -0.01 | 0.00 | 0.01 | 0.00 | 0.00 | -0.04 | 0.00 | -0.04 | 0.84 | -0.04 | -0.02 | 0.06 | -0.07 | -0.02 | 0.00 | -0.03 | 0.02 | -0.02 | -0.05 | -0.02 | -0.02 | 0.01 | 0.00 | -0.01 | -0.07 | 0.00 | -0.02 | 0.02 | -0.01 | -0.02 | 0.02 |
| Ins.Brands4 | 0.01 | 0.03 | 0.26 | -0.03 | 0.07 | -0.07 | -0.02 | 0.01 | 0.10 | 0.03 | 0.02 | 0.14 | -0.03 | 0.08 | -0.01 | -0.01 | 0.11 | 0.17 | -0.07 | 0.14 | -0.01 | 0.09 | 0.04 | 0.08 | 0.07 | -0.01 | -0.06 | 0.04 | 0.10 | 0.05 | 0.09 | 0.15 | 0.08 | 0.07 | -0.01 | -0.13 | 0.15 | -0.03 | 0.10 | -0.06 | 0.02 | 0.02 | -0.10 | -0.03 | -0.13 | 0.10 | -0.05 | -0.07 | 0.09 | -0.08 | 0.04 | -0.04 | 0.12 | 0.05 | 0.11 | 0.06 | -0.06 | 0.19 | -0.06 | -0.07 | -0.04 | -0.08 | 0.02 | 0.07 | 0.05 | -0.07 | 0.03 | 0.14 | -0.03 | -0.02 | 0.00 | -0.11 | 0.04 | 0.06 | 0.06 | 0.07 | 0.01 | 0.06 | 0.03 | 0.03 | -0.09 | 0.10 | -0.04 | 0.00 | -0.08 | -0.04 | -0.01 | 0.14 | 0.22 | 0.06 | 0.04 | 0.06 | -0.03 | -0.10 | -0.13 | 0.07 | 0.21 |
| NoIns.Rea4 | 0.01 | -0.04 | 0.01 | -0.02 | -0.01 | 0.01 | -0.04 | -0.05 | 0.00 | -0.02 | 0.04 | 0.01 | -0.02 | 0.01 | -0.01 | -0.02 | -0.08 | 0.00 | 0.00 | 0.01 | 0.02 | -0.04 | -0.03 | 0.05 | -0.01 | 0.05 | -0.02 | -0.01 | 0.08 | 0.06 | -0.04 | -0.03 | -0.05 | 0.04 | -0.11 | -0.04 | -0.03 | 0.00 | -0.03 | 0.00 | -0.02 | 0.01 | 0.00 | 0.04 | -0.02 | -0.06 | 0.00 | -0.02 | 0.31 | 0.01 | -0.02 | 0.81 | 0.02 | -0.04 | -0.04 | -0.01 | -0.03 | 0.00 | -0.03 | 0.06 | -0.02 | 0.00 | 0.01 | 0.02 | 0.03 | 0.00 | -0.01 | 0.03 | -0.02 | -0.01 | 0.02 | -0.02 | 0.01 | -0.03 | -0.02 | 0.02 | -0.06 | 0.00 | -0.03 | -0.01 | -0.01 | -0.04 | 0.03 | -0.03 | -0.07 | 0.03 | 0.06 | 0.00 | 0.01 | 0.02 | 0.03 | 0.00 | -0.03 | 0.00 | 0.06 | -0.01 | -0.01 |
| Gen.Lack4 | 0.01 | 0.08 | 0.03 | 0.07 | 0.02 | 0.11 | 0.04 | 0.22 | 0.10 | 0.07 | 0.03 | 0.13 | 0.15 | 0.16 | 0.54 | 0.06 | -0.01 | 0.06 | 0.08 | -0.01 | 0.03 | -0.02 | -0.04 | 0.07 | 0.03 | 0.09 | -0.02 | 0.12 | -0.04 | 0.09 | 0.02 | 0.03 | 0.01 | 0.03 | 0.16 | 0.03 | 0.03 | -0.01 | 0.05 | 0.08 | -0.06 | -0.04 | 0.09 | 0.11 | 0.01 | 0.03 | -0.03 | -0.06 | 0.15 | -0.14 | -0.01 | -0.01 | 0.07 | 0.05 | -0.02 | 0.02 | -0.09 | 0.06 | 0.02 | 0.00 | 0.00 | -0.06 | 0.08 | 0.09 | 0.07 | 0.00 | -0.09 | 0.02 | 0.09 | -0.02 | 0.11 | -0.07 | -0.04 | 0.06 | -0.08 | 0.06 | 0.03 | -0.01 | 0.00 | 0.04 | -0.04 | -0.07 | 0.03 | 0.05 | -0.05 | -0.05 | -0.01 | -0.04 | 0.02 | 0.10 | -0.12 | -0.02 | 0.05 | 0.08 | 0.07 | 0.01 | -0.05 |
| Gen.Res10 | 0.01 | 0.02 | 0.06 | 0.00 | 0.01 | 0.02 | 0.00 | 0.00 | 0.16 | -0.06 | -0.01 | 0.10 | 0.05 | 0.08 | 0.05 | 0.06 | -0.08 | 0.07 | 0.02 | 0.01 | 0.00 | 0.82 | 0.01 | 0.04 | -0.01 | 0.08 | -0.02 | 0.08 | 0.07 | 0.02 | -0.08 | 0.03 | 0.07 | 0.05 | 0.00 | -0.03 | 0.02 | 0.00 | 0.00 | 0.02 | -0.04 | 0.00 | 0.01 | 0.03 | -0.02 | 0.00 | -0.09 | -0.01 | 0.02 | -0.01 | 0.05 | -0.03 | 0.04 | 0.02 | 0.03 | 0.01 | 0.02 | -0.04 | 0.00 | -0.02 | -0.02 | -0.02 | -0.06 | 0.03 | 0.01 | 0.03 | -0.05 | 0.03 | -0.05 | 0.01 | -0.04 | 0.02 | 0.10 | 0.13 | -0.03 | 0.03 | 0.04 | 0.01 | -0.04 | 0.02 | 0.00 | -0.04 | 0.02 | 0.07 | 0.04 | 0.04 | -0.02 | -0.02 | 0.01 | -0.01 | -0.02 | 0.01 | 0.02 | 0.01 | -0.01 | -0.08 | 0.04 |
| Switch.Drivers2 | 0.01 | -0.05 | 0.01 | 0.05 | 0.03 | -0.02 | -0.06 | -0.02 | 0.04 | -0.03 | -0.02 | 0.02 | -0.05 | -0.02 | 0.02 | 0.06 | 0.02 | 0.02 | 0.01 | 0.02 | -0.04 | 0.08 | 0.03 | -0.03 | -0.02 | -0.05 | -0.03 | 0.00 | 0.03 | 0.03 | 0.01 | -0.02 | -0.02 | 0.05 | -0.03 | -0.05 | 0.06 | 0.00 | 0.02 | -0.01 | 0.03 | -0.02 | -0.01 | 0.02 | 0.02 | -0.11 | -0.02 | -0.04 | -0.02 | 0.01 | 0.08 | -0.02 | 0.02 | -0.01 | 0.02 | 0.02 | 0.82 | 0.02 | 0.01 | -0.02 | -0.02 | 0.03 | -0.04 | 0.02 | 0.00 | 0.01 | 0.03 | -0.01 | 0.02 | -0.02 | 0.03 | 0.02 | 0.07 | -0.02 | 0.05 | -0.01 | 0.02 | 0.00 | -0.02 | 0.00 | -0.06 | 0.01 | -0.06 | -0.02 | 0.00 | 0.00 | 0.02 | -0.02 | 0.10 | 0.01 | -0.01 | 0.01 | -0.04 | 0.10 | 0.08 | -0.02 | 0.03 |
| Savings8 | 0.00 | -0.07 | -0.10 | -0.04 | 0.03 | -0.06 | -0.12 | 0.05 | -0.02 | -0.02 | 0.02 | 0.01 | 0.06 | 0.00 | 0.08 | 0.01 | -0.04 | -0.17 | 0.01 | -0.03 | 0.02 | 0.01 | 0.07 | 0.02 | 0.04 | 0.12 | 0.14 | 0.02 | -0.11 | 0.06 | 0.03 | 0.06 | -0.01 | 0.06 | -0.05 | 0.06 | 0.10 | -0.05 | -0.08 | 0.02 | 0.03 | -0.01 | 0.12 | -0.02 | 0.17 | 0.05 | 0.13 | 0.04 | -0.07 | -0.01 | 0.06 | 0.02 | 0.08 | -0.01 | 0.01 | 0.28 | 0.06 | 0.04 | -0.08 | -0.08 | -0.17 | 0.02 | 0.09 | -0.17 | -0.13 | -0.03 | -0.01 | 0.06 | 0.06 | -0.14 | 0.00 | 0.04 | 0.03 | 0.19 | 0.15 | 0.15 | 0.05 | -0.23 | 0.03 | 0.24 | 0.14 | 0.05 | -0.08 | -0.09 | -0.02 | -0.05 | 0.13 | 0.00 | 0.07 | -0.09 | -0.06 | 0.09 | -0.05 | -0.02 | 0.07 | -0.06 | 0.08 |
| Online.Purchase7 | 0.00 | 0.10 | 0.04 | -0.05 | 0.18 | 0.09 | 0.07 | 0.00 | 0.07 | 0.09 | -0.09 | 0.00 | 0.09 | -0.04 | 0.11 | -0.06 | -0.03 | 0.18 | 0.10 | 0.05 | 0.08 | 0.08 | -0.02 | 0.09 | -0.05 | 0.17 | 0.06 | 0.00 | -0.02 | 0.06 | -0.08 | 0.09 | -0.01 | 0.06 | 0.01 | -0.14 | 0.22 | -0.04 | -0.04 | 0.03 | 0.15 | -0.01 | 0.11 | 0.03 | 0.16 | -0.03 | 0.04 | 0.09 | 0.01 | -0.17 | 0.01 | 0.05 | -0.03 | 0.02 | 0.10 | 0.02 | -0.01 | 0.17 | -0.08 | -0.16 | -0.04 | 0.15 | -0.05 | 0.02 | 0.14 | 0.01 | 0.19 | 0.05 | 0.03 | -0.12 | -0.17 | 0.10 | -0.01 | 0.03 | 0.10 | -0.09 | 0.07 | 0.08 | 0.09 | 0.04 | -0.13 | 0.06 | 0.00 | -0.05 | 0.03 | -0.01 | -0.02 | 0.02 | -0.04 | -0.02 | -0.03 | 0.11 | 0.14 | -0.10 | 0.10 | -0.05 | 0.08 |
| Ins.Brands7 | 0.00 | 0.03 | 0.23 | -0.01 | 0.03 | 0.06 | 0.06 | 0.03 | 0.06 | 0.03 | 0.08 | 0.01 | -0.04 | 0.05 | 0.05 | 0.10 | 0.04 | 0.05 | 0.05 | 0.04 | 0.01 | 0.07 | 0.05 | 0.00 | 0.03 | -0.01 | 0.00 | -0.04 | -0.06 | -0.04 | 0.06 | 0.03 | 0.09 | 0.00 | 0.05 | 0.01 | 0.02 | -0.03 | 0.08 | 0.05 | -0.03 | 0.01 | -0.01 | 0.06 | 0.01 | 0.03 | -0.01 | 0.05 | -0.03 | 0.03 | -0.02 | -0.01 | 0.74 | 0.05 | -0.01 | 0.04 | 0.02 | 0.14 | -0.02 | 0.05 | 0.02 | 0.03 | 0.01 | -0.03 | 0.00 | 0.03 | 0.03 | 0.01 | 0.01 | 0.01 | 0.02 | 0.05 | 0.07 | 0.04 | -0.01 | 0.04 | 0.02 | -0.04 | 0.02 | -0.01 | 0.00 | 0.02 | 0.03 | 0.01 | -0.01 | 0.05 | 0.03 | 0.03 | -0.05 | 0.01 | -0.05 | 0.03 | 0.03 | -0.05 | 0.02 | 0.05 | 0.00 |
| Ins.Brands9 | 0.00 | 0.05 | 0.64 | 0.03 | 0.03 | 0.05 | 0.09 | 0.10 | 0.02 | -0.02 | 0.07 | 0.03 | 0.05 | 0.08 | -0.06 | 0.05 | 0.03 | -0.13 | 0.04 | 0.11 | -0.03 | 0.03 | 0.08 | 0.05 | 0.13 | 0.08 | -0.02 | 0.17 | -0.01 | 0.10 | -0.03 | 0.08 | 0.03 | -0.01 | -0.06 | -0.03 | 0.01 | -0.05 | -0.02 | -0.07 | 0.01 | 0.00 | -0.07 | 0.12 | -0.06 | -0.02 | -0.06 | 0.10 | 0.02 | -0.14 | -0.09 | -0.04 | 0.09 | -0.03 | 0.03 | 0.02 | 0.05 | 0.02 | 0.02 | -0.01 | -0.05 | -0.10 | 0.04 | -0.04 | 0.06 | 0.03 | 0.01 | -0.11 | 0.06 | -0.01 | 0.10 | 0.01 | 0.06 | -0.05 | -0.04 | 0.08 | 0.00 | 0.01 | -0.05 | 0.03 | -0.04 | 0.03 | -0.05 | 0.13 | -0.01 | -0.11 | -0.06 | 0.03 | -0.02 | -0.03 | -0.05 | 0.01 | 0.03 | 0.00 | 0.02 | -0.07 | 0.04 |
| Gen.Own6 | 0.00 | 0.04 | 0.05 | 0.04 | 0.07 | 0.57 | 0.16 | 0.12 | 0.02 | 0.00 | -0.05 | 0.00 | 0.01 | 0.12 | 0.06 | 0.15 | 0.11 | -0.12 | 0.04 | 0.06 | 0.00 | 0.03 | 0.03 | -0.06 | 0.01 | 0.00 | 0.00 | 0.07 | 0.05 | 0.04 | -0.01 | 0.21 | 0.05 | 0.00 | 0.01 | 0.05 | -0.02 | 0.17 | -0.06 | 0.03 | -0.06 | 0.16 | 0.15 | 0.00 | 0.02 | -0.01 | 0.10 | 0.00 | -0.01 | 0.05 | -0.13 | 0.02 | -0.09 | 0.03 | 0.03 | 0.01 | -0.01 | 0.05 | 0.03 | 0.02 | 0.00 | -0.11 | 0.00 | -0.07 | -0.01 | 0.04 | 0.05 | 0.02 | 0.05 | 0.01 | 0.08 | 0.01 | 0.07 | -0.04 | 0.02 | 0.06 | 0.01 | -0.04 | 0.06 | 0.12 | 0.06 | 0.07 | -0.03 | 0.03 | -0.02 | 0.03 | 0.00 | 0.12 | -0.02 | 0.15 | 0.01 | -0.01 | 0.02 | 0.07 | 0.00 | 0.03 | 0.11 |
| Purc.Trig1 | 0.00 | 0.06 | -0.01 | -0.01 | 0.10 | 0.06 | 0.02 | 0.02 | 0.06 | -0.05 | -0.01 | -0.07 | -0.12 | 0.05 | 0.02 | 0.09 | 0.03 | 0.04 | 0.19 | -0.04 | 0.02 | -0.01 | 0.02 | 0.12 | 0.02 | -0.01 | -0.04 | 0.00 | 0.01 | 0.02 | 0.11 | 0.00 | 0.01 | 0.06 | -0.01 | 0.01 | 0.12 | 0.07 | -0.06 | 0.00 | 0.03 | -0.01 | -0.04 | -0.03 | 0.05 | -0.03 | 0.06 | -0.05 | 0.02 | 0.01 | 0.00 | -0.03 | 0.03 | -0.05 | -0.05 | 0.02 | 0.03 | -0.01 | 0.00 | 0.10 | 0.00 | 0.70 | 0.02 | 0.03 | -0.02 | 0.02 | 0.00 | 0.00 | 0.05 | 0.03 | 0.05 | -0.01 | 0.00 | 0.05 | 0.00 | 0.12 | -0.03 | -0.01 | 0.01 | -0.05 | -0.03 | 0.05 | 0.02 | 0.03 | 0.04 | 0.06 | 0.03 | 0.03 | 0.01 | -0.03 | -0.06 | 0.04 | 0.05 | -0.03 | -0.01 | -0.02 | 0.08 |
| L.H.Res10 | 0.00 | -0.02 | 0.07 | -0.04 | 0.00 | 0.05 | 0.11 | -0.05 | 0.21 | -0.02 | 0.01 | 0.03 | 0.09 | 0.07 | 0.00 | 0.08 | -0.05 | 0.05 | 0.02 | 0.07 | 0.00 | 0.81 | 0.00 | 0.04 | -0.03 | 0.03 | -0.01 | 0.07 | -0.03 | 0.00 | 0.08 | 0.00 | 0.00 | 0.02 | -0.01 | -0.01 | -0.01 | -0.04 | 0.02 | 0.05 | 0.00 | 0.01 | 0.06 | 0.00 | 0.01 | 0.01 | 0.05 | -0.03 | 0.02 | 0.08 | 0.00 | -0.02 | 0.02 | 0.01 | 0.08 | -0.01 | 0.07 | 0.03 | -0.01 | 0.06 | 0.06 | 0.02 | 0.00 | 0.02 | 0.01 | -0.01 | 0.03 | -0.05 | -0.03 | 0.00 | 0.06 | 0.01 | 0.06 | 0.01 | -0.02 | 0.02 | 0.03 | -0.02 | 0.01 | -0.03 | -0.03 | -0.02 | 0.02 | -0.06 | 0.03 | -0.02 | 0.01 | 0.00 | -0.02 | -0.02 | 0.00 | 0.01 | -0.02 | 0.04 | -0.01 | -0.03 | 0.00 |
| L.H.SalesChan6 | 0.00 | 0.00 | -0.05 | 0.76 | 0.02 | -0.01 | -0.05 | -0.02 | -0.02 | -0.03 | -0.03 | 0.04 | -0.03 | -0.02 | 0.11 | -0.06 | -0.01 | -0.04 | -0.08 | -0.02 | 0.03 | 0.02 | 0.01 | 0.00 | -0.02 | 0.07 | -0.01 | -0.01 | 0.01 | 0.03 | -0.03 | 0.09 | 0.04 | 0.05 | -0.03 | -0.07 | -0.01 | -0.03 | -0.08 | -0.03 | 0.08 | -0.02 | -0.01 | -0.01 | 0.02 | 0.02 | 0.00 | -0.04 | 0.00 | -0.04 | -0.01 | -0.03 | 0.06 | -0.07 | -0.06 | 0.00 | -0.03 | -0.08 | 0.05 | -0.05 | -0.02 | 0.07 | -0.04 | 0.02 | -0.02 | 0.04 | 0.07 | -0.03 | -0.02 | 0.02 | 0.06 | -0.01 | -0.02 | 0.03 | -0.02 | 0.08 | -0.01 | 0.08 | -0.02 | 0.01 | 0.02 | -0.10 | 0.04 | -0.03 | 0.00 | 0.06 | 0.11 | 0.07 | 0.02 | 0.03 | -0.04 | 0.01 | -0.05 | 0.00 | -0.02 | 0.03 | -0.03 |
| InsChoice.Driver2 | 0.00 | 0.05 | 0.00 | 0.02 | 0.02 | 0.02 | -0.01 | 0.03 | 0.00 | -0.02 | -0.01 | 0.01 | 0.04 | -0.01 | -0.01 | -0.02 | 0.01 | 0.02 | -0.01 | -0.04 | -0.08 | 0.17 | 0.00 | 0.03 | -0.01 | 0.04 | -0.01 | -0.05 | -0.01 | 0.04 | 0.02 | -0.02 | -0.04 | 0.09 | 0.02 | 0.06 | 0.00 | 0.05 | 0.01 | 0.02 | 0.04 | 0.00 | -0.03 | -0.03 | -0.06 | 0.02 | -0.02 | -0.01 | -0.01 | 0.03 | -0.04 | 0.04 | 0.08 | -0.02 | 0.12 | 0.01 | 0.09 | -0.02 | 0.04 | 0.02 | 0.07 | -0.01 | 0.01 | 0.01 | 0.03 | -0.09 | 0.00 | -0.01 | -0.07 | -0.02 | 0.00 | 0.00 | 0.80 | 0.00 | 0.02 | -0.01 | -0.02 | -0.13 | 0.01 | -0.04 | 0.02 | 0.07 | -0.05 | 0.01 | -0.01 | -0.04 | 0.01 | -0.04 | -0.03 | -0.01 | 0.04 | 0.01 | 0.04 | 0.00 | 0.04 | -0.01 | 0.04 |
| Switch.Drivers16 | 0.00 | 0.01 | -0.06 | -0.02 | -0.02 | -0.02 | 0.05 | 0.02 | 0.01 | 0.01 | 0.05 | 0.03 | 0.04 | 0.06 | 0.01 | 0.05 | 0.03 | -0.01 | 0.06 | -0.03 | -0.07 | -0.09 | 0.02 | 0.02 | 0.00 | 0.03 | 0.01 | -0.04 | -0.02 | -0.01 | -0.02 | 0.00 | 0.10 | 0.00 | 0.02 | -0.03 | -0.01 | 0.01 | -0.02 | -0.02 | 0.06 | 0.02 | -0.04 | -0.02 | -0.07 | -0.02 | 0.03 | -0.02 | 0.04 | 0.04 | 0.01 | -0.01 | 0.05 | -0.08 | -0.01 | -0.04 | -0.03 | -0.01 | 0.07 | 0.06 | 0.05 | -0.02 | 0.03 | -0.02 | 0.02 | 0.04 | -0.01 | 0.01 | 0.01 | -0.04 | 0.01 | 0.04 | 0.00 | 0.00 | -0.02 | -0.01 | 0.03 | 0.01 | -0.07 | 0.05 | -0.02 | 0.01 | -0.02 | 0.03 | 0.01 | -0.07 | 0.04 | -0.02 | 0.00 | -0.01 | -0.05 | 0.00 | 0.05 | 0.00 | -0.03 | 0.79 | 0.00 |
| Savings5 | -0.01 | 0.03 | 0.02 | -0.04 | -0.02 | -0.01 | 0.10 | -0.01 | 0.11 | 0.07 | 0.00 | 0.09 | -0.07 | -0.04 | -0.05 | 0.09 | 0.04 | -0.08 | 0.01 | -0.01 | 0.05 | 0.03 | 0.00 | 0.01 | 0.07 | 0.10 | 0.00 | 0.04 | -0.06 | 0.01 | 0.08 | 0.06 | 0.01 | 0.01 | 0.00 | -0.02 | 0.03 | -0.02 | -0.02 | -0.07 | 0.05 | 0.04 | -0.01 | -0.01 | -0.03 | 0.00 | 0.14 | -0.04 | -0.01 | 0.03 | 0.03 | 0.00 | 0.05 | 0.02 | 0.08 | 0.03 | 0.03 | -0.01 | 0.02 | 0.04 | -0.03 | -0.01 | 0.03 | -0.05 | 0.02 | -0.03 | -0.01 | 0.01 | 0.14 | 0.03 | 0.02 | 0.75 | 0.01 | -0.07 | -0.03 | 0.00 | -0.05 | 0.01 | -0.01 | 0.06 | -0.02 | 0.01 | -0.03 | -0.04 | -0.02 | 0.04 | 0.02 | -0.01 | 0.00 | -0.01 | 0.02 | 0.04 | -0.02 | -0.01 | -0.01 | 0.05 | 0.01 |
| Inv.Behaviour2 | -0.01 | -0.03 | -0.03 | 0.03 | -0.02 | -0.02 | 0.11 | 0.05 | -0.05 | 0.06 | -0.02 | 0.05 | 0.02 | 0.02 | 0.01 | 0.03 | 0.04 | -0.10 | 0.04 | -0.04 | -0.10 | -0.02 | 0.04 | 0.00 | -0.04 | -0.04 | -0.01 | -0.06 | 0.05 | -0.03 | 0.02 | 0.02 | 0.00 | -0.02 | 0.00 | -0.02 | -0.07 | 0.02 | -0.05 | -0.03 | 0.01 | -0.05 | -0.01 | 0.05 | -0.04 | 0.05 | 0.03 | 0.09 | 0.01 | -0.01 | 0.03 | -0.01 | 0.01 | 0.07 | -0.05 | -0.02 | -0.01 | -0.01 | -0.02 | 0.01 | -0.02 | 0.01 | 0.05 | 0.04 | -0.07 | -0.05 | -0.03 | 0.79 | 0.03 | 0.04 | -0.05 | 0.01 | 0.00 | -0.05 | -0.03 | -0.03 | 0.07 | 0.01 | 0.01 | 0.06 | 0.01 | -0.01 | 0.05 | 0.00 | 0.00 | -0.02 | -0.04 | -0.02 | -0.01 | -0.05 | 0.06 | 0.00 | 0.09 | 0.00 | -0.02 | 0.00 | 0.00 |
| Gen.Lack6 | -0.01 | 0.12 | 0.05 | 0.08 | 0.06 | 0.35 | 0.10 | 0.33 | 0.00 | -0.03 | 0.07 | 0.03 | 0.12 | 0.13 | 0.10 | 0.03 | -0.02 | 0.00 | 0.02 | -0.01 | -0.08 | 0.17 | 0.11 | -0.06 | -0.04 | 0.00 | 0.01 | 0.10 | -0.01 | 0.07 | -0.01 | 0.05 | 0.01 | -0.02 | 0.15 | -0.04 | -0.02 | 0.07 | -0.07 | -0.07 | 0.05 | -0.08 | 0.01 | 0.13 | 0.18 | 0.01 | 0.03 | -0.04 | 0.11 | -0.04 | 0.01 | 0.07 | 0.15 | 0.03 | 0.14 | 0.07 | -0.10 | 0.09 | -0.06 | 0.13 | 0.06 | -0.02 | -0.07 | 0.04 | 0.06 | -0.05 | 0.09 | 0.03 | 0.05 | -0.12 | 0.16 | 0.03 | 0.00 | 0.00 | 0.12 | 0.06 | -0.05 | -0.01 | 0.04 | 0.12 | -0.05 | 0.03 | 0.02 | 0.04 | 0.06 | -0.01 | 0.00 | 0.07 | -0.08 | 0.12 | -0.02 | -0.04 | -0.08 | 0.17 | 0.05 | 0.05 | 0.12 |
| L.H.SalesChan2 | -0.01 | 0.04 | 0.09 | -0.05 | -0.14 | 0.05 | 0.03 | 0.08 | 0.08 | 0.08 | 0.70 | 0.02 | 0.01 | 0.05 | -0.07 | 0.12 | 0.04 | 0.02 | 0.12 | -0.04 | 0.01 | 0.01 | 0.05 | -0.05 | 0.03 | 0.02 | -0.01 | 0.07 | 0.05 | 0.23 | 0.05 | 0.04 | 0.00 | 0.04 | 0.03 | 0.00 | -0.03 | 0.04 | 0.08 | 0.01 | -0.05 | 0.02 | 0.00 | 0.05 | 0.06 | 0.04 | 0.05 | -0.03 | 0.00 | -0.01 | -0.04 | 0.08 | 0.07 | 0.07 | 0.05 | 0.00 | -0.01 | -0.03 | -0.01 | -0.08 | 0.05 | -0.03 | 0.00 | -0.04 | 0.03 | 0.00 | 0.06 | 0.05 | -0.07 | 0.01 | 0.03 | -0.05 | -0.06 | 0.03 | -0.07 | -0.12 | 0.05 | 0.01 | -0.01 | 0.07 | -0.03 | 0.00 | 0.01 | 0.02 | 0.00 | -0.01 | 0.00 | 0.01 | 0.09 | -0.01 | 0.08 | -0.03 | 0.00 | 0.05 | 0.02 | -0.02 | -0.05 |
| InvIns.SalesChan5 | -0.01 | 0.03 | 0.01 | -0.03 | -0.17 | -0.01 | 0.10 | 0.00 | 0.04 | -0.10 | -0.04 | 0.04 | 0.79 | 0.02 | 0.10 | -0.02 | 0.03 | 0.01 | 0.04 | 0.04 | 0.02 | 0.02 | 0.00 | -0.01 | -0.01 | 0.03 | -0.01 | 0.10 | -0.05 | 0.01 | -0.03 | 0.03 | -0.04 | 0.01 | -0.01 | 0.01 | -0.06 | 0.04 | 0.04 | -0.03 | -0.02 | 0.03 | 0.01 | -0.03 | -0.02 | 0.08 | -0.03 | 0.15 | -0.01 | 0.01 | -0.06 | 0.00 | 0.00 | 0.00 | 0.04 | 0.06 | 0.01 | 0.00 | -0.07 | -0.08 | 0.02 | 0.00 | -0.02 | -0.05 | -0.03 | 0.04 | -0.02 | 0.00 | 0.07 | 0.04 | 0.03 | -0.02 | 0.04 | -0.01 | 0.06 | 0.00 | 0.04 | 0.00 | -0.02 | 0.01 | -0.03 | -0.02 | 0.03 | 0.01 | -0.01 | 0.02 | 0.00 | -0.01 | 0.01 | 0.01 | -0.05 | 0.03 | -0.01 | -0.02 | -0.03 | -0.04 | -0.02 |
| InsChoice.Driver1 | -0.01 | 0.01 | 0.01 | -0.05 | 0.06 | 0.05 | -0.05 | 0.03 | 0.10 | 0.00 | 0.01 | -0.06 | -0.09 | 0.04 | 0.02 | -0.04 | 0.06 | 0.05 | -0.07 | -0.04 | -0.03 | 0.05 | 0.03 | -0.09 | 0.00 | -0.02 | -0.05 | -0.02 | 0.02 | -0.01 | -0.02 | -0.02 | 0.03 | 0.10 | 0.04 | -0.08 | 0.02 | -0.04 | 0.02 | 0.03 | -0.03 | 0.07 | -0.01 | -0.02 | 0.02 | -0.07 | -0.01 | -0.01 | 0.02 | -0.03 | 0.00 | 0.02 | -0.03 | 0.04 | -0.02 | 0.03 | 0.03 | 0.03 | 0.03 | 0.06 | 0.00 | 0.03 | -0.04 | 0.72 | 0.04 | -0.14 | -0.07 | 0.05 | -0.05 | -0.06 | 0.04 | -0.06 | 0.00 | 0.08 | 0.01 | 0.03 | 0.10 | 0.03 | 0.05 | 0.00 | 0.06 | -0.07 | 0.04 | 0.02 | 0.11 | -0.04 | -0.03 | -0.02 | 0.03 | 0.06 | -0.01 | 0.04 | 0.08 | -0.01 | 0.14 | -0.02 | -0.02 |
| InsChoice.Driver11 | -0.01 | -0.04 | 0.02 | -0.07 | 0.00 | 0.02 | 0.01 | -0.11 | -0.07 | 0.05 | 0.14 | 0.25 | 0.06 | 0.06 | 0.08 | 0.03 | 0.10 | 0.11 | 0.15 | 0.04 | -0.05 | 0.02 | 0.01 | -0.02 | -0.08 | 0.02 | 0.11 | -0.04 | 0.04 | 0.02 | 0.14 | -0.06 | -0.04 | -0.07 | 0.01 | -0.01 | -0.01 | 0.03 | -0.01 | 0.03 | -0.03 | 0.04 | -0.15 | -0.01 | -0.02 | 0.10 | -0.01 | 0.03 | -0.04 | -0.06 | 0.24 | -0.01 | 0.07 | -0.10 | 0.00 | -0.26 | 0.04 | 0.05 | 0.02 | -0.08 | 0.12 | -0.10 | 0.07 | -0.05 | -0.06 | -0.03 | 0.09 | -0.07 | -0.05 | -0.07 | -0.03 | -0.05 | -0.26 | 0.14 | -0.04 | 0.05 | -0.03 | -0.02 | 0.24 | 0.00 | -0.09 | 0.08 | 0.02 | -0.03 | 0.10 | -0.01 | 0.19 | -0.04 | 0.01 | 0.03 | 0.03 | 0.07 | 0.05 | 0.12 | 0.04 | -0.14 | 0.01 |
| Switch.Drivers13 | -0.01 | 0.04 | 0.04 | -0.01 | -0.17 | 0.05 | 0.12 | 0.04 | 0.10 | 0.05 | -0.01 | 0.19 | 0.01 | 0.05 | -0.03 | 0.05 | -0.01 | 0.07 | 0.04 | -0.06 | 0.01 | -0.02 | 0.00 | 0.15 | -0.01 | 0.15 | 0.00 | -0.11 | -0.09 | -0.12 | -0.05 | 0.13 | 0.10 | -0.03 | 0.08 | 0.03 | -0.10 | -0.04 | 0.04 | 0.12 | -0.12 | 0.02 | 0.13 | 0.04 | -0.05 | -0.04 | 0.14 | -0.03 | 0.03 | 0.07 | 0.02 | -0.01 | -0.08 | -0.01 | -0.12 | 0.06 | -0.07 | 0.01 | 0.01 | -0.06 | 0.07 | -0.01 | 0.09 | -0.06 | -0.09 | 0.05 | 0.05 | -0.13 | -0.04 | 0.00 | 0.07 | -0.17 | 0.10 | -0.04 | 0.00 | 0.03 | -0.01 | 0.10 | 0.07 | 0.02 | -0.05 | 0.00 | 0.15 | 0.41 | 0.03 | -0.11 | -0.03 | -0.18 | -0.08 | -0.04 | 0.05 | 0.00 | 0.03 | -0.02 | 0.10 | -0.16 | -0.07 |
| Savings10 | -0.02 | -0.03 | -0.03 | -0.01 | -0.12 | 0.00 | 0.03 | -0.02 | -0.02 | 0.04 | 0.02 | 0.06 | -0.03 | 0.05 | 0.00 | 0.02 | 0.07 | 0.01 | 0.04 | -0.04 | -0.01 | 0.07 | 0.04 | 0.07 | -0.01 | -0.01 | -0.01 | -0.04 | -0.01 | -0.01 | -0.07 | 0.05 | 0.02 | 0.05 | 0.07 | 0.02 | -0.05 | 0.03 | -0.01 | -0.03 | 0.02 | -0.06 | 0.79 | 0.02 | 0.03 | 0.07 | 0.00 | 0.09 | -0.01 | 0.08 | 0.07 | -0.01 | -0.01 | 0.02 | 0.00 | -0.01 | -0.01 | 0.01 | 0.05 | 0.08 | 0.02 | -0.03 | -0.05 | -0.01 | 0.03 | -0.06 | -0.03 | -0.01 | -0.01 | 0.08 | 0.06 | 0.00 | -0.02 | -0.03 | 0.06 | -0.01 | 0.00 | 0.02 | -0.06 | 0.02 | -0.05 | 0.01 | 0.06 | 0.04 | -0.02 | 0.04 | 0.02 | 0.01 | -0.03 | -0.02 | 0.02 | 0.01 | 0.02 | -0.01 | 0.03 | -0.04 | 0.02 |
| Inv.Behaviour1 | -0.02 | -0.11 | -0.04 | -0.01 | -0.01 | 0.03 | -0.01 | -0.02 | -0.04 | 0.00 | -0.05 | -0.03 | 0.01 | 0.04 | 0.00 | 0.00 | 0.02 | 0.01 | -0.04 | -0.08 | 0.01 | -0.01 | 0.00 | 0.01 | 0.01 | -0.02 | 0.08 | -0.03 | 0.00 | 0.04 | 0.04 | -0.03 | 0.01 | 0.01 | 0.04 | 0.01 | 0.02 | -0.02 | -0.01 | -0.16 | -0.02 | 0.00 | -0.05 | 0.02 | -0.07 | -0.83 | -0.01 | -0.04 | 0.03 | -0.03 | 0.02 | 0.02 | -0.02 | 0.16 | 0.03 | 0.02 | 0.10 | 0.01 | -0.02 | -0.06 | 0.01 | 0.02 | -0.05 | 0.05 | 0.00 | 0.04 | 0.00 | -0.09 | -0.08 | 0.01 | 0.00 | 0.02 | -0.01 | 0.05 | 0.03 | 0.00 | 0.01 | -0.02 | 0.02 | 0.03 | 0.01 | 0.00 | 0.01 | 0.00 | -0.05 | 0.05 | 0.05 | -0.03 | 0.02 | -0.02 | -0.05 | 0.04 | -0.02 | 0.04 | -0.02 | 0.00 | -0.03 |
| Gen.Needs8 | -0.02 | 0.22 | -0.01 | 0.07 | -0.03 | 0.20 | 0.11 | 0.08 | -0.02 | 0.40 | -0.13 | 0.03 | -0.04 | 0.00 | 0.15 | -0.03 | -0.09 | 0.12 | -0.06 | -0.13 | 0.02 | 0.06 | -0.07 | 0.02 | 0.03 | 0.05 | -0.01 | 0.11 | 0.03 | 0.07 | 0.09 | -0.06 | 0.06 | -0.04 | 0.01 | 0.06 | -0.04 | 0.16 | 0.03 | 0.02 | 0.12 | -0.01 | 0.05 | -0.05 | -0.07 | 0.06 | -0.01 | -0.05 | -0.15 | 0.04 | 0.05 | 0.06 | 0.01 | 0.01 | -0.04 | 0.04 | -0.09 | 0.02 | -0.02 | 0.06 | -0.03 | -0.03 | 0.21 | -0.08 | -0.05 | 0.03 | 0.05 | -0.05 | -0.07 | -0.06 | -0.12 | 0.23 | -0.03 | -0.04 | 0.05 | -0.06 | -0.05 | -0.01 | 0.03 | -0.01 | 0.00 | 0.16 | 0.00 | -0.04 | 0.04 | 0.07 | 0.04 | 0.11 | 0.02 | 0.09 | 0.06 | 0.01 | -0.03 | -0.08 | -0.02 | -0.06 | -0.08 |
| Ins.Brands8 | -0.02 | 0.13 | 0.59 | 0.00 | 0.10 | 0.07 | -0.06 | 0.10 | -0.03 | -0.08 | 0.01 | 0.06 | -0.01 | 0.12 | 0.05 | 0.19 | -0.03 | -0.03 | 0.14 | 0.05 | 0.02 | 0.01 | -0.06 | 0.04 | 0.01 | 0.01 | 0.01 | -0.06 | 0.05 | -0.02 | -0.05 | -0.01 | -0.01 | -0.01 | 0.04 | -0.08 | 0.00 | 0.14 | 0.00 | 0.01 | 0.04 | 0.10 | -0.02 | 0.10 | -0.08 | -0.07 | 0.03 | -0.04 | 0.17 | 0.00 | 0.02 | 0.05 | -0.04 | -0.04 | 0.04 | 0.06 | -0.14 | 0.05 | 0.13 | 0.02 | -0.04 | -0.11 | 0.07 | 0.02 | -0.01 | 0.03 | 0.14 | 0.05 | 0.05 | 0.09 | 0.16 | 0.15 | -0.01 | 0.09 | 0.03 | -0.03 | -0.05 | 0.06 | -0.01 | 0.09 | 0.02 | 0.07 | -0.05 | -0.01 | 0.02 | 0.00 | 0.04 | 0.08 | 0.01 | 0.05 | -0.09 | -0.03 | 0.00 | -0.01 | 0.11 | -0.04 | -0.01 |
| Ins.Brands12 | -0.02 | -0.02 | 0.40 | -0.06 | 0.05 | 0.01 | 0.15 | 0.09 | 0.05 | 0.13 | 0.04 | 0.04 | 0.07 | -0.01 | 0.03 | -0.05 | -0.08 | 0.13 | -0.10 | 0.05 | 0.04 | -0.01 | 0.02 | 0.12 | 0.08 | 0.11 | -0.03 | 0.08 | 0.07 | -0.01 | 0.02 | -0.05 | 0.11 | 0.01 | 0.00 | -0.05 | -0.11 | 0.01 | -0.02 | 0.16 | 0.04 | 0.03 | 0.05 | -0.02 | 0.00 | 0.11 | -0.06 | -0.07 | 0.08 | 0.01 | 0.08 | 0.00 | 0.13 | -0.08 | 0.10 | 0.05 | 0.16 | -0.03 | -0.12 | -0.02 | -0.12 | 0.08 | 0.04 | 0.04 | -0.03 | -0.02 | 0.02 | -0.10 | 0.07 | -0.02 | 0.02 | -0.05 | -0.01 | 0.12 | 0.06 | -0.08 | -0.03 | 0.09 | -0.12 | 0.10 | -0.05 | 0.27 | 0.13 | 0.06 | 0.02 | 0.03 | 0.06 | 0.02 | 0.04 | 0.06 | 0.12 | -0.04 | 0.06 | 0.02 | -0.07 | 0.01 | -0.02 |
| Ins.Brands21 | -0.02 | 0.06 | -0.05 | 0.33 | 0.00 | 0.16 | 0.09 | 0.00 | -0.01 | -0.02 | -0.01 | -0.02 | -0.03 | -0.01 | 0.05 | -0.01 | -0.14 | 0.02 | -0.07 | 0.04 | 0.06 | 0.02 | 0.09 | -0.26 | -0.07 | -0.11 | 0.00 | 0.02 | -0.21 | -0.01 | 0.09 | -0.04 | 0.04 | -0.22 | 0.06 | -0.02 | -0.03 | -0.03 | -0.02 | 0.01 | -0.02 | 0.04 | 0.00 | 0.06 | 0.04 | 0.03 | -0.08 | -0.01 | 0.21 | 0.01 | -0.01 | -0.01 | -0.13 | -0.02 | -0.10 | 0.04 | 0.00 | 0.02 | -0.02 | 0.06 | 0.07 | -0.09 | -0.12 | 0.00 | 0.12 | 0.14 | 0.04 | -0.05 | 0.07 | -0.09 | -0.17 | 0.14 | -0.02 | 0.04 | 0.04 | 0.03 | 0.20 | -0.12 | -0.03 | 0.00 | -0.04 | 0.04 | -0.01 | 0.02 | 0.14 | 0.05 | 0.05 | -0.10 | 0.00 | 0.00 | 0.08 | -0.04 | -0.01 | -0.05 | -0.09 | 0.06 | -0.03 |
| Gen.Lack7 | -0.02 | 0.03 | 0.02 | -0.03 | -0.02 | 0.09 | 0.07 | 0.05 | -0.01 | -0.05 | 0.02 | 0.00 | 0.01 | -0.07 | 0.01 | 0.04 | -0.03 | 0.03 | 0.05 | -0.01 | -0.03 | 0.08 | -0.06 | -0.03 | -0.04 | 0.01 | -0.05 | 0.78 | -0.01 | -0.05 | 0.01 | -0.04 | 0.04 | -0.01 | 0.02 | 0.08 | 0.01 | 0.06 | 0.04 | -0.05 | 0.05 | -0.05 | -0.04 | -0.01 | 0.06 | 0.07 | 0.02 | -0.02 | 0.04 | 0.03 | 0.02 | 0.00 | -0.06 | 0.06 | -0.06 | -0.02 | 0.06 | 0.02 | 0.04 | 0.11 | -0.02 | -0.04 | -0.03 | -0.04 | 0.06 | -0.06 | -0.03 | -0.03 | 0.04 | 0.01 | 0.02 | 0.05 | -0.02 | 0.04 | 0.02 | -0.03 | -0.04 | -0.01 | -0.03 | 0.05 | -0.02 | -0.06 | 0.01 | 0.05 | 0.01 | 0.04 | 0.03 | 0.06 | -0.02 | -0.01 | 0.02 | 0.03 | 0.04 | -0.05 | 0.06 | -0.05 | 0.00 |
| Fin.Attitude4 | -0.03 | 0.04 | 0.06 | -0.03 | 0.08 | -0.11 | -0.02 | 0.06 | 0.15 | 0.05 | 0.06 | -0.03 | 0.07 | 0.02 | 0.08 | 0.09 | 0.02 | -0.03 | -0.10 | 0.02 | -0.06 | 0.06 | -0.10 | -0.14 | 0.06 | 0.09 | -0.03 | 0.01 | -0.03 | 0.05 | -0.01 | 0.05 | -0.06 | 0.00 | -0.11 | 0.23 | -0.11 | 0.17 | -0.01 | 0.02 | 0.02 | 0.02 | -0.09 | 0.11 | 0.04 | -0.05 | 0.26 | 0.23 | 0.05 | 0.10 | 0.10 | -0.08 | 0.11 | -0.09 | 0.05 | -0.20 | -0.04 | -0.09 | 0.01 | 0.05 | 0.04 | 0.00 | 0.12 | 0.05 | 0.02 | 0.00 | 0.03 | 0.01 | 0.10 | 0.14 | -0.21 | -0.10 | 0.17 | -0.14 | -0.06 | -0.04 | -0.04 | -0.02 | 0.05 | 0.00 | 0.01 | -0.13 | 0.03 | 0.10 | 0.05 | -0.04 | 0.13 | -0.04 | 0.00 | 0.13 | 0.07 | 0.01 | 0.04 | 0.10 | -0.10 | -0.11 | 0.09 |
| Dec.Making3 | -0.03 | 0.04 | 0.02 | -0.04 | 0.03 | -0.05 | -0.04 | 0.04 | 0.03 | 0.30 | 0.14 | 0.01 | 0.02 | -0.02 | 0.05 | 0.10 | 0.05 | -0.06 | 0.07 | 0.09 | -0.02 | -0.10 | -0.07 | -0.04 | 0.00 | 0.04 | 0.00 | -0.04 | 0.05 | 0.21 | 0.05 | 0.12 | -0.02 | -0.03 | 0.11 | 0.28 | 0.11 | 0.08 | -0.05 | -0.03 | -0.01 | 0.09 | 0.10 | 0.07 | 0.04 | -0.07 | 0.02 | -0.09 | -0.09 | -0.05 | -0.02 | 0.00 | 0.14 | 0.08 | -0.10 | -0.02 | 0.13 | 0.09 | 0.10 | 0.07 | 0.03 | -0.03 | 0.18 | 0.04 | -0.09 | 0.04 | 0.00 | 0.09 | -0.01 | 0.16 | 0.09 | -0.03 | 0.00 | 0.01 | -0.02 | 0.01 | -0.03 | -0.01 | -0.09 | 0.07 | 0.08 | -0.03 | -0.08 | -0.05 | 0.16 | -0.09 | 0.21 | 0.04 | -0.04 | 0.11 | -0.01 | -0.14 | 0.05 | -0.03 | -0.12 | 0.00 | -0.05 |
| Media9 | -0.03 | 0.05 | -0.02 | 0.10 | 0.03 | 0.04 | -0.03 | 0.00 | 0.07 | -0.07 | -0.04 | -0.03 | 0.08 | 0.04 | 0.02 | 0.05 | 0.04 | 0.36 | -0.03 | -0.13 | -0.02 | 0.15 | 0.16 | 0.01 | 0.23 | 0.02 | -0.04 | 0.04 | 0.11 | 0.04 | 0.09 | 0.09 | 0.08 | 0.04 | 0.04 | 0.07 | 0.04 | 0.15 | -0.03 | -0.02 | 0.12 | -0.02 | -0.05 | 0.12 | 0.00 | 0.10 | 0.04 | 0.09 | -0.06 | 0.05 | 0.03 | -0.04 | 0.06 | -0.01 | 0.05 | -0.09 | 0.07 | 0.03 | 0.11 | 0.02 | 0.02 | 0.15 | 0.03 | 0.01 | 0.05 | 0.14 | 0.04 | -0.06 | -0.10 | 0.04 | -0.11 | 0.00 | -0.13 | 0.05 | 0.02 | 0.04 | -0.07 | -0.01 | -0.12 | 0.11 | -0.04 | 0.06 | 0.18 | 0.03 | -0.01 | -0.02 | 0.00 | -0.02 | -0.04 | 0.09 | -0.03 | -0.18 | 0.18 | 0.07 | 0.06 | 0.08 | -0.12 |
| Media17 | -0.03 | -0.03 | -0.01 | -0.01 | -0.05 | -0.03 | 0.00 | -0.03 | 0.02 | 0.02 | -0.05 | -0.01 | 0.05 | -0.04 | -0.02 | -0.05 | -0.15 | 0.06 | -0.05 | 0.03 | 0.03 | -0.05 | -0.04 | 0.03 | 0.01 | -0.01 | 0.00 | -0.02 | -0.02 | 0.06 | -0.05 | -0.02 | 0.01 | -0.02 | 0.04 | 0.01 | 0.04 | 0.06 | -0.03 | 0.00 | 0.04 | 0.02 | 0.07 | 0.00 | -0.03 | 0.02 | -0.01 | 0.80 | -0.01 | 0.03 | -0.03 | -0.02 | 0.04 | -0.04 | -0.02 | -0.03 | -0.04 | -0.01 | -0.01 | -0.01 | -0.07 | -0.03 | 0.03 | -0.01 | 0.03 | -0.03 | 0.04 | 0.09 | -0.01 | 0.02 | 0.01 | -0.03 | -0.01 | -0.01 | 0.05 | 0.02 | -0.01 | 0.02 | 0.00 | -0.02 | -0.01 | 0.05 | -0.04 | -0.02 | 0.04 | 0.01 | -0.01 | 0.02 | 0.01 | -0.06 | -0.03 | 0.03 | 0.01 | -0.04 | -0.01 | -0.01 | -0.04 |
| Gen.Needs6 | -0.03 | 0.11 | 0.06 | 0.04 | 0.07 | 0.04 | -0.01 | 0.14 | 0.04 | 0.02 | 0.04 | -0.03 | 0.03 | 0.07 | 0.11 | 0.04 | 0.03 | 0.07 | 0.05 | 0.03 | -0.01 | 0.01 | 0.77 | 0.08 | 0.00 | 0.02 | -0.06 | 0.00 | 0.02 | 0.05 | 0.04 | 0.03 | 0.02 | 0.01 | 0.02 | -0.04 | 0.03 | -0.04 | 0.00 | 0.00 | 0.02 | 0.04 | 0.06 | 0.06 | 0.05 | -0.02 | -0.01 | -0.05 | 0.02 | 0.00 | 0.00 | -0.03 | 0.04 | -0.03 | 0.08 | -0.01 | 0.02 | -0.01 | 0.04 | 0.01 | -0.05 | 0.00 | 0.01 | 0.01 | -0.01 | -0.05 | 0.05 | 0.03 | 0.04 | 0.04 | -0.02 | 0.01 | -0.01 | 0.04 | -0.02 | 0.00 | 0.01 | 0.07 | 0.01 | -0.02 | -0.03 | -0.01 | 0.05 | 0.09 | 0.05 | 0.02 | 0.02 | 0.05 | -0.04 | 0.04 | 0.00 | 0.00 | 0.01 | 0.03 | -0.01 | 0.03 | 0.05 |
| Ins.Brands1 | -0.03 | 0.06 | 0.21 | -0.02 | 0.10 | 0.04 | -0.02 | -0.02 | 0.04 | 0.02 | -0.01 | -0.05 | 0.01 | 0.06 | 0.00 | 0.03 | -0.04 | -0.08 | 0.13 | 0.06 | -0.05 | -0.07 | -0.02 | -0.06 | 0.74 | 0.06 | -0.01 | -0.01 | 0.03 | 0.00 | 0.03 | -0.01 | 0.05 | -0.04 | 0.04 | 0.04 | 0.02 | 0.01 | 0.00 | 0.00 | 0.04 | -0.04 | -0.03 | -0.02 | -0.01 | -0.01 | 0.00 | -0.06 | -0.06 | 0.00 | -0.04 | 0.01 | 0.04 | -0.01 | -0.02 | 0.05 | 0.02 | -0.02 | 0.05 | 0.06 | 0.03 | 0.04 | -0.01 | 0.01 | 0.07 | -0.05 | 0.08 | -0.04 | -0.01 | -0.01 | -0.02 | 0.00 | 0.04 | 0.02 | -0.02 | -0.04 | 0.02 | 0.01 | -0.01 | 0.00 | 0.05 | 0.05 | -0.08 | 0.02 | 0.03 | 0.04 | -0.02 | 0.00 | -0.01 | -0.07 | 0.05 | 0.01 | -0.01 | 0.00 | 0.07 | -0.03 | 0.03 |
| L.H.Res1 | -0.03 | 0.08 | 0.02 | -0.09 | 0.59 | 0.05 | -0.05 | 0.09 | -0.11 | 0.02 | 0.14 | -0.03 | 0.00 | -0.27 | -0.01 | 0.04 | 0.07 | 0.01 | -0.06 | 0.02 | -0.02 | -0.06 | 0.15 | -0.05 | 0.10 | -0.01 | 0.02 | 0.04 | -0.02 | 0.01 | 0.09 | 0.03 | -0.02 | 0.20 | -0.03 | -0.08 | -0.10 | -0.08 | -0.03 | 0.02 | 0.08 | 0.05 | -0.08 | -0.10 | 0.06 | 0.03 | -0.07 | 0.01 | 0.02 | -0.01 | 0.07 | -0.11 | 0.06 | 0.02 | -0.10 | 0.03 | -0.09 | -0.11 | 0.10 | -0.01 | 0.00 | 0.07 | 0.00 | -0.10 | 0.01 | -0.03 | 0.01 | 0.01 | 0.01 | -0.03 | 0.07 | -0.06 | 0.05 | 0.09 | 0.04 | -0.08 | -0.02 | 0.07 | 0.09 | 0.04 | 0.06 | 0.06 | -0.04 | 0.11 | -0.01 | -0.02 | -0.06 | -0.04 | -0.09 | 0.01 | 0.13 | -0.05 | -0.01 | 0.00 | -0.05 | 0.00 | 0.02 |
| L.H.Res11 | -0.03 | 0.05 | 0.06 | 0.80 | -0.09 | -0.04 | -0.03 | 0.04 | -0.01 | 0.00 | -0.01 | -0.03 | 0.02 | -0.01 | -0.01 | 0.01 | 0.03 | 0.03 | 0.05 | -0.04 | -0.12 | -0.04 | 0.00 | 0.02 | 0.07 | -0.07 | 0.01 | -0.02 | -0.05 | 0.03 | 0.01 | -0.03 | -0.03 | 0.02 | 0.01 | -0.01 | -0.03 | -0.03 | 0.03 | -0.04 | 0.04 | 0.02 | 0.00 | -0.05 | 0.03 | -0.03 | 0.03 | -0.01 | 0.00 | -0.01 | 0.02 | -0.01 | 0.02 | 0.01 | 0.13 | 0.05 | -0.03 | 0.06 | -0.03 | 0.02 | 0.00 | -0.03 | -0.05 | -0.04 | 0.06 | -0.06 | -0.08 | 0.12 | -0.03 | 0.03 | 0.09 | -0.04 | -0.02 | -0.05 | -0.03 | -0.07 | 0.01 | 0.00 | -0.02 | -0.04 | -0.03 | 0.10 | 0.06 | 0.00 | -0.01 | 0.02 | -0.03 | 0.00 | -0.02 | 0.11 | -0.03 | -0.01 | -0.02 | 0.00 | 0.12 | -0.05 | 0.04 |
| Gen.Res11 | -0.03 | 0.01 | -0.03 | 0.86 | -0.07 | 0.01 | 0.00 | 0.03 | -0.02 | 0.01 | 0.01 | -0.04 | -0.03 | -0.03 | -0.04 | -0.03 | 0.03 | 0.02 | 0.00 | -0.02 | -0.15 | 0.00 | 0.02 | 0.04 | 0.01 | -0.01 | 0.01 | -0.01 | -0.01 | -0.01 | 0.06 | -0.05 | -0.01 | 0.01 | 0.03 | -0.03 | -0.02 | 0.00 | 0.02 | 0.00 | 0.00 | 0.02 | 0.03 | -0.03 | -0.01 | -0.04 | 0.03 | -0.01 | -0.01 | 0.02 | 0.02 | 0.01 | 0.05 | -0.01 | 0.04 | 0.00 | 0.02 | 0.03 | -0.02 | 0.02 | 0.02 | 0.00 | 0.00 | 0.00 | 0.04 | -0.04 | -0.07 | 0.12 | -0.01 | 0.04 | 0.02 | -0.03 | -0.01 | -0.03 | -0.02 | 0.00 | -0.01 | -0.02 | -0.01 | -0.03 | -0.02 | 0.06 | 0.08 | -0.02 | -0.03 | 0.00 | -0.02 | 0.00 | -0.04 | 0.05 | -0.05 | 0.00 | 0.00 | 0.00 | 0.08 | -0.03 | 0.03 |
| L.H.SalesChan5 | -0.03 | 0.02 | 0.01 | -0.01 | -0.11 | -0.02 | 0.11 | 0.02 | 0.01 | 0.07 | -0.05 | 0.04 | 0.76 | 0.12 | 0.02 | 0.09 | -0.03 | 0.01 | 0.10 | -0.01 | 0.01 | 0.08 | 0.01 | -0.02 | 0.01 | -0.06 | -0.01 | -0.01 | -0.03 | 0.02 | 0.02 | 0.00 | 0.09 | -0.01 | -0.01 | 0.03 | 0.06 | 0.01 | -0.05 | 0.03 | 0.04 | -0.04 | 0.00 | -0.01 | -0.03 | -0.05 | 0.08 | -0.03 | 0.00 | -0.03 | 0.03 | -0.02 | 0.00 | 0.03 | -0.02 | -0.05 | -0.07 | 0.06 | 0.10 | 0.06 | -0.03 | -0.01 | 0.01 | -0.03 | -0.01 | -0.05 | 0.04 | 0.03 | 0.01 | -0.04 | -0.04 | -0.09 | -0.05 | 0.02 | -0.03 | 0.04 | -0.01 | 0.04 | 0.01 | -0.05 | 0.00 | -0.01 | -0.06 | 0.00 | 0.03 | 0.05 | 0.06 | 0.01 | -0.02 | -0.04 | 0.02 | 0.02 | -0.07 | -0.02 | 0.07 | 0.06 | 0.00 |
| InvIns.SalesChan1 | -0.03 | 0.04 | 0.04 | -0.01 | 0.77 | -0.03 | 0.06 | 0.10 | 0.06 | 0.06 | -0.10 | -0.06 | -0.16 | -0.07 | 0.00 | -0.09 | -0.07 | -0.03 | -0.04 | 0.06 | 0.08 | 0.00 | -0.01 | 0.03 | 0.05 | 0.04 | 0.02 | 0.02 | 0.06 | -0.02 | 0.07 | -0.05 | -0.02 | -0.02 | 0.02 | -0.07 | 0.08 | -0.01 | -0.01 | 0.01 | 0.04 | 0.04 | -0.02 | -0.02 | 0.03 | -0.07 | 0.00 | -0.10 | 0.00 | -0.02 | 0.01 | -0.02 | 0.00 | -0.05 | 0.04 | -0.03 | 0.05 | 0.06 | 0.03 | 0.06 | -0.02 | 0.01 | 0.06 | -0.01 | 0.02 | 0.00 | 0.10 | 0.01 | -0.05 | -0.01 | 0.02 | 0.03 | 0.00 | -0.06 | -0.08 | 0.04 | 0.00 | -0.06 | -0.04 | 0.04 | 0.01 | 0.01 | 0.10 | 0.00 | 0.05 | 0.05 | 0.00 | 0.00 | 0.07 | 0.00 | -0.06 | -0.01 | 0.07 | 0.02 | 0.07 | 0.02 | -0.01 |
| Dec.Making1 | -0.04 | 0.22 | 0.09 | 0.05 | 0.22 | 0.06 | -0.06 | -0.02 | -0.10 | -0.03 | 0.04 | 0.10 | 0.10 | -0.01 | 0.10 | 0.16 | -0.07 | 0.04 | -0.01 | 0.04 | 0.14 | -0.08 | 0.08 | 0.26 | 0.06 | 0.03 | 0.03 | -0.04 | 0.03 | -0.01 | 0.09 | 0.02 | 0.02 | 0.14 | -0.23 | -0.15 | -0.09 | -0.09 | 0.10 | 0.03 | 0.03 | -0.05 | 0.02 | -0.14 | 0.07 | -0.03 | 0.01 | 0.15 | -0.05 | -0.09 | -0.04 | 0.04 | -0.05 | -0.06 | 0.02 | 0.08 | -0.01 | 0.07 | -0.12 | 0.17 | 0.08 | 0.06 | -0.11 | 0.09 | -0.01 | -0.03 | -0.03 | -0.05 | 0.07 | 0.01 | -0.04 | -0.08 | -0.07 | 0.21 | -0.01 | 0.13 | 0.08 | 0.01 | 0.00 | 0.00 | -0.03 | -0.10 | 0.07 | 0.16 | -0.02 | -0.01 | 0.03 | -0.06 | 0.02 | -0.03 | 0.14 | 0.11 | 0.08 | 0.02 | 0.02 | -0.08 | -0.01 |
| Online.Purchase11 | -0.04 | -0.03 | -0.02 | 0.04 | -0.06 | -0.03 | -0.02 | 0.00 | -0.02 | 0.00 | 0.00 | -0.03 | -0.02 | -0.03 | -0.04 | 0.02 | -0.07 | 0.02 | 0.01 | -0.02 | -0.94 | 0.00 | 0.00 | -0.06 | 0.02 | -0.02 | -0.01 | 0.05 | 0.02 | -0.02 | -0.04 | -0.01 | 0.00 | -0.05 | -0.07 | -0.02 | -0.02 | 0.00 | -0.02 | 0.00 | -0.04 | -0.01 | 0.01 | -0.01 | -0.01 | 0.00 | -0.01 | -0.01 | 0.00 | -0.01 | -0.01 | -0.02 | -0.01 | -0.02 | 0.02 | 0.01 | 0.02 | -0.01 | 0.01 | -0.01 | 0.00 | -0.01 | -0.02 | 0.01 | 0.01 | 0.00 | -0.01 | 0.05 | 0.01 | 0.00 | -0.01 | -0.02 | 0.03 | 0.01 | -0.02 | -0.04 | -0.01 | -0.01 | 0.00 | 0.00 | 0.02 | -0.01 | -0.01 | -0.02 | -0.03 | 0.00 | -0.02 | -0.02 | 0.00 | 0.01 | 0.02 | 0.01 | -0.03 | -0.01 | -0.01 | 0.03 | -0.01 |
| DataSharing.Attitude5 | -0.04 | 0.01 | 0.07 | -0.05 | 0.02 | -0.02 | -0.06 | -0.06 | 0.06 | -0.08 | 0.03 | -0.02 | 0.05 | 0.03 | 0.02 | -0.05 | -0.01 | 0.11 | -0.04 | -0.01 | 0.01 | -0.03 | 0.05 | 0.05 | -0.06 | 0.01 | 0.05 | 0.01 | 0.02 | -0.06 | 0.04 | 0.06 | -0.03 | -0.04 | -0.02 | 0.01 | 0.07 | 0.02 | 0.06 | -0.01 | 0.00 | 0.01 | -0.01 | 0.02 | -0.01 | -0.01 | -0.02 | 0.07 | 0.01 | 0.01 | -0.06 | 0.00 | 0.00 | -0.01 | 0.02 | -0.09 | 0.01 | 0.02 | -0.03 | -0.05 | -0.77 | -0.02 | -0.05 | 0.02 | 0.01 | 0.08 | -0.01 | 0.01 | 0.06 | 0.01 | -0.03 | 0.02 | -0.08 | -0.01 | -0.05 | -0.02 | 0.04 | 0.07 | -0.03 | -0.02 | -0.02 | 0.00 | -0.01 | 0.04 | 0.03 | 0.03 | -0.06 | 0.01 | -0.06 | 0.04 | 0.06 | 0.00 | -0.04 | 0.03 | -0.03 | -0.06 | 0.01 |
| L.H.Needs2 | -0.04 | 0.26 | 0.08 | 0.05 | 0.17 | 0.05 | -0.10 | 0.12 | -0.08 | 0.09 | 0.10 | -0.04 | 0.01 | 0.09 | 0.02 | -0.03 | 0.12 | 0.24 | -0.09 | 0.07 | 0.04 | 0.01 | 0.31 | 0.17 | -0.02 | -0.07 | -0.09 | 0.06 | -0.15 | 0.01 | -0.07 | 0.09 | -0.05 | -0.02 | -0.01 | -0.03 | 0.08 | 0.00 | 0.05 | -0.05 | -0.04 | 0.00 | 0.03 | 0.07 | -0.07 | 0.03 | 0.12 | 0.02 | -0.09 | -0.02 | -0.08 | 0.07 | 0.03 | 0.01 | 0.00 | -0.06 | 0.03 | 0.07 | 0.04 | 0.06 | -0.02 | 0.08 | -0.10 | -0.09 | -0.07 | 0.09 | -0.12 | 0.06 | 0.08 | -0.11 | 0.16 | -0.07 | -0.01 | 0.08 | -0.07 | 0.11 | 0.07 | 0.12 | 0.06 | -0.06 | -0.05 | 0.03 | 0.01 | -0.01 | 0.06 | 0.09 | 0.09 | 0.00 | 0.01 | 0.11 | 0.00 | 0.12 | -0.06 | 0.01 | -0.02 | -0.02 | -0.07 |
| L.H.Needs12 | -0.04 | -0.02 | -0.01 | 0.00 | 0.03 | -0.02 | 0.00 | -0.02 | 0.00 | 0.00 | -0.02 | -0.01 | -0.02 | -0.01 | 0.00 | -0.01 | 0.01 | 0.01 | -0.01 | 0.00 | 0.01 | -0.01 | -0.03 | 0.01 | 0.00 | 0.01 | 0.96 | 0.06 | 0.00 | 0.00 | -0.02 | 0.00 | -0.02 | 0.00 | -0.06 | 0.00 | -0.01 | 0.00 | -0.01 | 0.00 | -0.01 | -0.05 | -0.01 | -0.01 | -0.02 | -0.03 | -0.01 | 0.00 | 0.00 | 0.00 | 0.04 | -0.01 | 0.00 | 0.01 | -0.02 | 0.00 | -0.01 | -0.01 | 0.00 | -0.01 | -0.03 | -0.02 | -0.01 | -0.01 | 0.00 | 0.03 | -0.01 | -0.01 | -0.01 | 0.01 | 0.00 | -0.01 | -0.01 | -0.01 | -0.01 | -0.02 | -0.01 | 0.02 | 0.02 | 0.00 | -0.01 | -0.02 | -0.02 | -0.01 | 0.01 | -0.01 | -0.01 | -0.01 | 0.00 | -0.01 | 0.00 | 0.01 | -0.01 | 0.00 | -0.01 | 0.01 | 0.00 |
| Gen.Needs4 | -0.04 | 0.28 | 0.00 | -0.04 | 0.01 | 0.04 | 0.13 | 0.11 | 0.04 | 0.21 | 0.01 | 0.00 | -0.01 | 0.13 | 0.02 | 0.05 | 0.08 | -0.12 | 0.03 | 0.05 | 0.02 | 0.02 | -0.18 | -0.04 | 0.09 | 0.05 | -0.01 | 0.01 | 0.04 | -0.02 | -0.06 | 0.10 | -0.02 | 0.01 | 0.09 | -0.01 | 0.05 | 0.10 | -0.08 | 0.07 | -0.04 | -0.05 | 0.08 | 0.07 | -0.10 | -0.03 | -0.08 | 0.01 | -0.07 | 0.13 | -0.15 | -0.04 | 0.05 | 0.04 | -0.03 | -0.16 | -0.04 | -0.08 | 0.01 | 0.23 | -0.01 | 0.04 | 0.00 | -0.17 | 0.01 | -0.19 | -0.02 | -0.02 | 0.20 | 0.01 | 0.12 | 0.19 | -0.01 | 0.01 | -0.03 | -0.05 | -0.07 | 0.10 | -0.03 | 0.11 | 0.02 | -0.16 | 0.15 | 0.05 | -0.03 | -0.01 | 0.16 | 0.05 | 0.00 | 0.05 | 0.10 | -0.04 | 0.02 | -0.04 | 0.05 | -0.02 | 0.01 |
| Gen.Needs7 | -0.04 | 0.33 | 0.00 | 0.09 | 0.06 | 0.05 | 0.07 | 0.11 | 0.02 | -0.01 | 0.08 | -0.01 | -0.09 | 0.06 | 0.08 | 0.01 | -0.03 | 0.13 | -0.06 | 0.05 | 0.07 | 0.10 | 0.06 | 0.02 | 0.09 | 0.04 | -0.04 | 0.16 | 0.00 | -0.02 | 0.18 | 0.00 | 0.31 | 0.01 | -0.09 | 0.05 | -0.03 | 0.27 | 0.01 | -0.14 | 0.06 | 0.06 | -0.04 | 0.01 | 0.01 | -0.07 | 0.13 | 0.06 | 0.05 | -0.06 | -0.03 | -0.05 | 0.00 | -0.05 | 0.12 | -0.02 | -0.03 | -0.04 | 0.06 | 0.14 | -0.09 | -0.05 | -0.01 | 0.14 | -0.11 | 0.10 | 0.07 | 0.07 | 0.01 | -0.08 | 0.02 | 0.04 | 0.08 | -0.08 | 0.02 | 0.00 | 0.02 | -0.05 | 0.04 | 0.00 | 0.12 | 0.14 | 0.16 | -0.06 | -0.04 | 0.09 | 0.05 | 0.05 | 0.13 | 0.09 | -0.02 | 0.08 | -0.06 | -0.01 | 0.05 | 0.04 | -0.10 |
| Gen.Needs9 | -0.04 | -0.02 | -0.01 | 0.00 | 0.03 | -0.02 | 0.00 | -0.02 | 0.00 | 0.00 | -0.02 | -0.01 | -0.02 | -0.01 | 0.00 | -0.01 | 0.01 | 0.01 | -0.01 | 0.00 | 0.01 | -0.01 | -0.03 | 0.01 | 0.00 | 0.01 | 0.96 | 0.06 | 0.00 | 0.00 | -0.02 | 0.00 | -0.02 | 0.00 | -0.06 | 0.00 | -0.01 | 0.00 | -0.01 | 0.00 | -0.01 | -0.05 | -0.01 | -0.01 | -0.02 | -0.03 | -0.01 | 0.00 | 0.00 | 0.00 | 0.04 | -0.01 | 0.00 | 0.01 | -0.02 | 0.00 | -0.01 | -0.01 | 0.00 | -0.01 | -0.03 | -0.02 | -0.01 | -0.01 | 0.00 | 0.03 | -0.01 | -0.01 | -0.01 | 0.01 | 0.00 | -0.01 | -0.01 | -0.01 | -0.01 | -0.02 | -0.01 | 0.02 | 0.02 | 0.00 | -0.01 | -0.02 | -0.02 | -0.01 | 0.01 | -0.01 | -0.01 | -0.01 | 0.00 | -0.01 | 0.00 | 0.01 | -0.01 | 0.00 | -0.01 | 0.01 | 0.00 |
| L.H.Own3 | -0.04 | 0.08 | 0.11 | 0.08 | 0.05 | 0.17 | 0.05 | -0.18 | 0.01 | 0.04 | 0.10 | 0.04 | -0.10 | 0.10 | 0.13 | 0.07 | 0.07 | 0.02 | 0.14 | -0.13 | -0.11 | -0.07 | 0.09 | 0.09 | 0.12 | 0.07 | 0.00 | -0.06 | 0.11 | -0.04 | 0.02 | 0.09 | 0.16 | 0.04 | -0.03 | 0.18 | 0.07 | 0.04 | 0.05 | 0.08 | -0.14 | 0.12 | 0.17 | 0.13 | 0.07 | 0.06 | 0.01 | 0.03 | -0.01 | -0.07 | 0.03 | -0.03 | -0.01 | 0.05 | 0.03 | 0.08 | 0.02 | 0.06 | 0.01 | -0.16 | 0.02 | 0.10 | 0.23 | -0.10 | 0.10 | 0.00 | 0.00 | 0.02 | -0.01 | 0.01 | -0.11 | 0.02 | -0.04 | 0.03 | -0.10 | 0.01 | 0.01 | -0.15 | -0.05 | 0.03 | 0.22 | 0.09 | -0.08 | -0.04 | -0.04 | -0.09 | 0.03 | -0.02 | -0.02 | 0.04 | -0.05 | 0.04 | 0.08 | 0.00 | -0.04 | -0.06 | -0.05 |
| NoIns.Rea1 | -0.04 | -0.06 | 0.00 | -0.01 | 0.07 | -0.03 | 0.00 | -0.05 | -0.02 | 0.02 | -0.02 | -0.03 | -0.03 | 0.00 | -0.01 | -0.02 | -0.13 | 0.05 | -0.01 | 0.03 | 0.03 | -0.02 | -0.01 | 0.01 | -0.01 | 0.05 | -0.02 | 0.00 | 0.00 | -0.04 | 0.00 | 0.04 | -0.03 | 0.06 | -0.11 | 0.05 | 0.03 | -0.02 | 0.00 | -0.03 | -0.01 | 0.00 | 0.00 | 0.00 | -0.03 | 0.02 | -0.01 | -0.03 | 0.00 | -0.02 | 0.04 | 0.00 | -0.02 | -0.07 | -0.01 | -0.02 | -0.02 | 0.01 | -0.01 | -0.03 | 0.00 | -0.03 | 0.00 | -0.03 | -0.03 | -0.03 | -0.03 | 0.01 | 0.00 | -0.03 | 0.01 | -0.02 | -0.02 | -0.05 | -0.02 | 0.00 | 0.01 | -0.04 | 0.03 | -0.02 | -0.01 | 0.00 | 0.01 | 0.00 | -0.06 | 0.00 | -0.02 | 0.00 | 0.00 | -0.02 | -0.05 | -0.82 | -0.04 | -0.01 | -0.04 | 0.00 | -0.01 |
| NoIns.Rea5 | -0.04 | -0.03 | -0.02 | -0.02 | -0.01 | 0.02 | 0.01 | 0.01 | -0.03 | -0.01 | 0.06 | -0.04 | -0.02 | -0.02 | -0.02 | -0.01 | -0.07 | -0.02 | -0.02 | 0.01 | 0.00 | -0.02 | -0.03 | 0.06 | -0.03 | 0.08 | 0.00 | -0.02 | -0.05 | 0.02 | 0.06 | -0.01 | -0.02 | 0.03 | 0.02 | 0.01 | 0.00 | -0.01 | 0.04 | 0.01 | -0.04 | 0.00 | -0.02 | -0.02 | 0.11 | -0.04 | -0.01 | 0.01 | 0.00 | 0.01 | 0.03 | 0.01 | -0.04 | -0.03 | -0.04 | -0.03 | 0.09 | -0.02 | -0.01 | -0.04 | 0.05 | 0.01 | -0.01 | 0.02 | 0.04 | 0.00 | -0.03 | -0.01 | 0.03 | -0.02 | 0.02 | 0.01 | -0.03 | 0.01 | 0.00 | -0.04 | 0.01 | 0.04 | 0.05 | -0.04 | -0.01 | -0.03 | 0.02 | 0.01 | 0.02 | -0.01 | -0.02 | -0.03 | 0.80 | 0.05 | 0.05 | 0.00 | -0.03 | 0.00 | 0.12 | 0.00 | -0.01 |
| NoIns.Rea9 | -0.04 | 0.04 | 0.01 | -0.02 | 0.02 | -0.03 | -0.05 | 0.02 | 0.03 | 0.02 | -0.02 | 0.00 | 0.00 | 0.05 | -0.05 | 0.04 | -0.83 | -0.04 | -0.04 | -0.05 | -0.07 | 0.04 | -0.02 | -0.04 | -0.03 | -0.04 | -0.01 | 0.05 | -0.02 | -0.02 | -0.04 | 0.00 | -0.03 | -0.03 | 0.08 | -0.01 | -0.03 | 0.03 | -0.04 | 0.00 | 0.00 | 0.00 | -0.04 | -0.02 | 0.01 | 0.02 | -0.01 | 0.09 | -0.03 | -0.05 | -0.04 | -0.02 | 0.00 | 0.00 | -0.03 | 0.03 | -0.05 | 0.01 | -0.01 | -0.02 | -0.02 | -0.01 | -0.03 | -0.05 | 0.02 | 0.03 | -0.07 | -0.01 | -0.01 | 0.06 | 0.02 | -0.01 | -0.04 | -0.01 | 0.00 | -0.01 | 0.02 | -0.03 | 0.03 | -0.03 | -0.01 | 0.04 | 0.02 | -0.04 | 0.01 | -0.02 | 0.01 | 0.03 | -0.04 | 0.03 | -0.01 | 0.08 | 0.00 | -0.07 | -0.05 | -0.02 | 0.06 |
| Purc.Trig13 | -0.04 | 0.08 | 0.16 | -0.01 | 0.01 | 0.03 | -0.10 | 0.08 | 0.26 | -0.06 | -0.05 | -0.18 | 0.11 | 0.02 | 0.04 | 0.06 | -0.07 | 0.03 | -0.05 | 0.02 | -0.04 | 0.06 | -0.05 | 0.01 | 0.08 | -0.02 | -0.03 | 0.15 | -0.12 | 0.03 | 0.04 | 0.04 | 0.05 | -0.06 | 0.12 | 0.10 | 0.12 | -0.11 | -0.06 | -0.02 | -0.02 | -0.15 | -0.02 | -0.05 | 0.12 | -0.02 | 0.05 | -0.07 | 0.01 | 0.12 | 0.03 | 0.02 | -0.08 | 0.13 | 0.21 | 0.10 | -0.19 | 0.06 | -0.02 | 0.03 | -0.06 | 0.03 | -0.05 | -0.13 | -0.08 | 0.05 | -0.13 | 0.14 | -0.02 | 0.09 | 0.09 | 0.04 | -0.04 | 0.00 | 0.06 | -0.03 | -0.03 | 0.04 | 0.15 | 0.13 | -0.08 | -0.03 | 0.02 | 0.06 | 0.10 | 0.05 | 0.19 | -0.15 | 0.19 | 0.00 | -0.08 | -0.03 | 0.08 | -0.04 | 0.03 | 0.01 | -0.08 |
| Gen.Res1 | -0.04 | 0.01 | 0.01 | -0.12 | 0.55 | 0.00 | 0.00 | 0.07 | -0.14 | 0.05 | 0.17 | -0.04 | -0.02 | -0.30 | 0.01 | 0.02 | 0.06 | -0.01 | -0.08 | 0.01 | -0.05 | 0.02 | 0.16 | 0.04 | 0.16 | -0.05 | 0.04 | -0.03 | -0.01 | 0.01 | 0.11 | 0.03 | 0.00 | 0.17 | -0.01 | -0.03 | -0.15 | -0.01 | 0.03 | 0.02 | 0.06 | 0.01 | -0.14 | -0.03 | 0.12 | 0.00 | -0.01 | -0.01 | 0.11 | -0.04 | 0.01 | -0.03 | 0.02 | 0.02 | -0.06 | -0.01 | -0.09 | -0.03 | -0.03 | 0.00 | 0.00 | 0.08 | -0.01 | -0.11 | 0.02 | -0.02 | 0.13 | 0.08 | 0.03 | -0.04 | -0.02 | -0.02 | 0.00 | 0.12 | 0.05 | -0.06 | 0.01 | 0.05 | 0.06 | 0.13 | 0.05 | 0.03 | -0.09 | 0.06 | -0.01 | 0.01 | -0.08 | -0.01 | -0.07 | -0.05 | 0.05 | -0.05 | -0.01 | 0.03 | -0.08 | 0.07 | -0.05 |
| InsChoice.Driver6 | -0.04 | -0.09 | -0.02 | 0.08 | -0.03 | -0.04 | 0.07 | 0.00 | 0.03 | 0.00 | 0.01 | 0.01 | 0.02 | 0.03 | 0.05 | -0.03 | -0.12 | 0.02 | 0.04 | -0.08 | 0.00 | 0.01 | 0.04 | -0.06 | 0.05 | 0.03 | 0.00 | 0.04 | -0.09 | 0.01 | 0.04 | 0.08 | 0.01 | -0.03 | 0.00 | 0.03 | 0.07 | 0.05 | 0.05 | -0.04 | -0.02 | -0.01 | 0.09 | 0.03 | -0.02 | -0.01 | 0.08 | 0.03 | -0.02 | -0.03 | -0.01 | 0.02 | 0.00 | 0.00 | -0.03 | -0.01 | -0.02 | 0.03 | 0.05 | 0.00 | 0.00 | 0.02 | -0.06 | -0.06 | -0.09 | 0.00 | -0.08 | 0.04 | -0.02 | 0.76 | 0.00 | 0.02 | -0.01 | 0.03 | 0.02 | -0.01 | -0.05 | -0.06 | 0.07 | -0.01 | 0.11 | 0.03 | -0.02 | -0.02 | -0.05 | 0.08 | -0.03 | -0.01 | -0.02 | -0.02 | 0.02 | 0.03 | -0.01 | -0.03 | -0.01 | -0.06 | 0.07 |
| Switch.Drivers3 | -0.04 | 0.05 | 0.04 | 0.05 | 0.13 | 0.00 | -0.11 | 0.03 | 0.08 | 0.02 | 0.05 | -0.05 | 0.02 | 0.03 | 0.01 | -0.07 | 0.00 | 0.03 | -0.03 | 0.01 | 0.00 | 0.01 | 0.02 | 0.04 | 0.02 | 0.00 | -0.03 | 0.04 | 0.04 | 0.00 | 0.04 | 0.03 | 0.09 | 0.05 | 0.01 | -0.05 | 0.01 | 0.04 | -0.07 | 0.02 | 0.00 | 0.01 | 0.03 | -0.05 | -0.06 | -0.04 | -0.01 | 0.01 | 0.09 | -0.02 | 0.01 | 0.00 | 0.04 | 0.07 | -0.09 | -0.04 | 0.00 | -0.03 | 0.00 | -0.01 | -0.05 | 0.05 | 0.04 | -0.02 | 0.02 | -0.01 | -0.01 | -0.01 | 0.04 | 0.09 | 0.01 | 0.03 | -0.04 | 0.06 | -0.05 | 0.04 | -0.02 | 0.03 | -0.06 | -0.01 | 0.03 | 0.04 | -0.01 | -0.04 | -0.04 | 0.77 | 0.02 | 0.04 | 0.00 | 0.03 | -0.05 | 0.00 | 0.04 | 0.06 | 0.00 | -0.07 | -0.01 |
| Switch.Drivers8 | -0.04 | -0.07 | -0.01 | -0.02 | -0.03 | 0.09 | 0.13 | 0.07 | 0.16 | 0.00 | 0.02 | 0.17 | 0.14 | 0.12 | -0.02 | 0.05 | 0.01 | 0.09 | 0.04 | 0.02 | -0.01 | -0.01 | -0.09 | 0.08 | 0.19 | -0.01 | 0.01 | -0.05 | 0.15 | 0.00 | 0.07 | 0.23 | 0.14 | -0.01 | 0.01 | 0.13 | -0.04 | -0.08 | -0.02 | 0.09 | -0.02 | 0.05 | 0.20 | -0.04 | 0.02 | -0.13 | -0.03 | -0.10 | 0.01 | 0.09 | -0.04 | -0.02 | 0.06 | -0.04 | -0.10 | -0.16 | -0.12 | 0.07 | -0.09 | 0.00 | 0.08 | 0.10 | -0.06 | -0.01 | -0.07 | -0.02 | -0.03 | -0.11 | 0.15 | 0.01 | 0.03 | 0.05 | 0.07 | -0.12 | -0.01 | 0.19 | 0.05 | -0.06 | 0.02 | 0.06 | -0.20 | 0.04 | -0.13 | 0.04 | 0.01 | -0.07 | -0.07 | 0.07 | 0.01 | -0.06 | -0.16 | 0.08 | 0.05 | 0.02 | -0.07 | -0.02 | -0.04 |
| Switch.Drivers11 | -0.04 | 0.08 | 0.08 | 0.02 | 0.01 | 0.05 | -0.05 | 0.05 | 0.01 | 0.06 | -0.04 | 0.06 | 0.00 | -0.01 | -0.03 | 0.04 | 0.07 | 0.03 | 0.03 | 0.04 | -0.14 | -0.14 | -0.12 | 0.05 | -0.16 | -0.01 | 0.09 | -0.03 | 0.01 | 0.15 | -0.09 | -0.18 | 0.02 | 0.16 | 0.02 | 0.10 | 0.19 | -0.19 | 0.07 | -0.01 | -0.10 | 0.10 | 0.11 | 0.00 | 0.06 | -0.01 | 0.06 | -0.07 | 0.11 | 0.16 | -0.04 | -0.05 | -0.07 | -0.15 | 0.05 | 0.05 | 0.24 | -0.03 | -0.13 | 0.15 | -0.01 | -0.03 | -0.04 | 0.08 | 0.00 | 0.14 | 0.01 | 0.02 | 0.05 | 0.02 | -0.12 | -0.02 | -0.10 | -0.02 | 0.13 | 0.04 | -0.05 | 0.18 | 0.18 | -0.03 | 0.04 | -0.06 | -0.14 | 0.00 | 0.09 | 0.03 | 0.02 | -0.13 | -0.09 | 0.04 | 0.08 | -0.08 | -0.05 | -0.04 | -0.16 | -0.09 | -0.04 |
| Ins.Service4 | -0.05 | -0.06 | -0.01 | 0.09 | -0.07 | 0.00 | 0.14 | -0.03 | 0.02 | -0.03 | -0.01 | -0.02 | 0.08 | 0.01 | 0.06 | 0.00 | -0.03 | 0.00 | -0.01 | -0.06 | 0.05 | -0.01 | 0.02 | 0.04 | 0.00 | -0.05 | -0.01 | -0.03 | -0.02 | 0.02 | 0.04 | -0.03 | 0.02 | -0.03 | -0.03 | -0.06 | -0.03 | -0.01 | 0.02 | 0.01 | 0.02 | -0.04 | 0.01 | 0.03 | 0.02 | -0.04 | 0.03 | 0.00 | 0.03 | -0.02 | -0.07 | 0.08 | 0.02 | 0.05 | 0.02 | 0.00 | 0.01 | -0.01 | 0.03 | 0.02 | 0.04 | 0.02 | -0.04 | -0.02 | -0.02 | -0.06 | -0.01 | -0.04 | -0.02 | -0.03 | -0.04 | 0.03 | 0.01 | -0.05 | -0.02 | -0.04 | 0.03 | -0.06 | 0.03 | -0.02 | -0.03 | 0.03 | 0.01 | -0.03 | 0.04 | 0.01 | 0.79 | 0.00 | -0.02 | -0.09 | -0.03 | 0.02 | 0.04 | -0.01 | -0.02 | 0.04 | -0.02 |
| Ins.Service5 | -0.05 | -0.02 | 0.00 | -0.01 | 0.01 | 0.05 | 0.10 | 0.08 | 0.01 | -0.01 | 0.01 | -0.01 | 0.03 | -0.03 | -0.07 | 0.03 | 0.07 | 0.08 | 0.03 | 0.03 | 0.03 | 0.05 | -0.01 | 0.02 | -0.06 | -0.02 | 0.12 | 0.00 | -0.01 | 0.11 | -0.05 | 0.00 | 0.08 | 0.01 | 0.03 | -0.01 | -0.05 | 0.02 | 0.00 | 0.02 | 0.03 | 0.08 | 0.08 | 0.01 | 0.04 | -0.03 | 0.06 | -0.05 | -0.03 | -0.05 | 0.74 | 0.01 | -0.02 | -0.06 | -0.01 | 0.00 | 0.09 | -0.04 | -0.05 | -0.04 | 0.07 | -0.01 | 0.00 | 0.01 | 0.01 | -0.07 | 0.02 | 0.03 | 0.00 | -0.01 | 0.05 | 0.03 | -0.03 | 0.03 | 0.04 | 0.02 | 0.01 | -0.02 | -0.05 | -0.03 | 0.03 | 0.04 | -0.03 | 0.01 | -0.06 | 0.03 | -0.09 | 0.01 | 0.05 | -0.02 | -0.02 | -0.04 | -0.04 | -0.01 | 0.05 | 0.02 | -0.01 |
| Gen.Own7 | -0.05 | 0.12 | -0.01 | -0.03 | -0.02 | 0.06 | -0.06 | 0.01 | 0.06 | -0.01 | -0.02 | 0.04 | 0.03 | 0.06 | 0.11 | 0.10 | -0.06 | -0.07 | 0.14 | 0.00 | -0.04 | -0.04 | 0.12 | 0.02 | -0.02 | -0.02 | 0.00 | 0.29 | -0.02 | 0.03 | 0.03 | 0.17 | 0.10 | 0.06 | -0.03 | -0.12 | 0.00 | -0.08 | 0.10 | 0.17 | 0.00 | 0.07 | -0.03 | 0.21 | -0.02 | 0.09 | 0.16 | 0.03 | -0.12 | 0.08 | -0.04 | 0.27 | -0.09 | 0.07 | 0.01 | 0.00 | -0.05 | -0.08 | -0.11 | -0.04 | 0.14 | 0.05 | 0.04 | 0.04 | -0.04 | 0.00 | 0.19 | 0.10 | -0.04 | -0.08 | 0.07 | -0.08 | -0.08 | 0.12 | -0.08 | -0.03 | -0.10 | -0.10 | -0.02 | -0.13 | 0.04 | 0.13 | -0.05 | 0.02 | -0.05 | 0.01 | -0.04 | 0.08 | 0.03 | 0.11 | 0.00 | 0.01 | -0.04 | -0.05 | -0.17 | 0.11 | 0.07 |
| Purc.Trig14 | -0.05 | 0.05 | -0.01 | 0.78 | 0.00 | 0.07 | 0.00 | 0.05 | 0.00 | 0.03 | 0.00 | -0.02 | 0.01 | 0.00 | -0.05 | 0.01 | 0.00 | 0.01 | -0.01 | 0.02 | 0.05 | 0.01 | 0.04 | -0.10 | -0.03 | -0.06 | 0.01 | 0.00 | 0.00 | -0.05 | 0.03 | -0.02 | -0.02 | -0.04 | 0.02 | 0.04 | 0.01 | 0.03 | 0.03 | 0.03 | -0.07 | -0.02 | 0.02 | 0.01 | -0.02 | 0.02 | -0.05 | 0.03 | -0.05 | 0.03 | -0.01 | 0.13 | -0.07 | 0.00 | -0.03 | 0.01 | 0.05 | 0.00 | 0.00 | -0.03 | 0.03 | -0.01 | 0.01 | 0.03 | 0.01 | -0.01 | 0.01 | -0.09 | 0.02 | -0.05 | -0.13 | 0.08 | 0.07 | -0.02 | 0.12 | -0.05 | 0.04 | -0.01 | 0.05 | 0.04 | 0.01 | 0.05 | -0.13 | 0.00 | 0.09 | -0.04 | 0.07 | -0.02 | 0.02 | -0.07 | 0.12 | 0.00 | 0.02 | 0.00 | -0.11 | 0.03 | -0.02 |
| L.H.Res5 | -0.05 | 0.07 | 0.02 | -0.02 | 0.04 | 0.07 | 0.32 | 0.00 | 0.09 | 0.17 | 0.07 | 0.18 | 0.11 | 0.34 | 0.07 | 0.05 | 0.01 | -0.06 | 0.07 | -0.01 | 0.00 | 0.00 | -0.04 | 0.01 | -0.04 | 0.11 | -0.02 | -0.10 | 0.07 | 0.06 | -0.03 | 0.03 | -0.01 | -0.10 | -0.05 | -0.04 | 0.09 | 0.05 | 0.28 | 0.02 | -0.06 | -0.16 | -0.15 | 0.04 | 0.02 | -0.05 | 0.09 | 0.05 | -0.03 | 0.09 | 0.09 | -0.04 | 0.16 | -0.11 | -0.05 | 0.03 | -0.01 | 0.14 | -0.01 | 0.03 | 0.05 | 0.02 | 0.07 | -0.01 | -0.07 | 0.11 | 0.03 | 0.01 | -0.10 | 0.10 | 0.02 | 0.08 | -0.05 | 0.00 | 0.08 | 0.04 | 0.01 | -0.12 | -0.13 | 0.06 | -0.11 | 0.02 | -0.04 | 0.00 | 0.01 | 0.08 | 0.00 | 0.05 | 0.13 | 0.05 | -0.06 | 0.03 | 0.12 | -0.03 | -0.05 | 0.02 | 0.03 |
| L.H.Res8 | -0.05 | 0.01 | 0.04 | -0.05 | -0.06 | 0.12 | 0.14 | 0.09 | 0.64 | 0.19 | -0.05 | 0.04 | -0.02 | 0.15 | 0.09 | 0.02 | 0.02 | 0.00 | 0.06 | 0.05 | 0.02 | 0.13 | 0.04 | -0.02 | 0.06 | 0.11 | 0.00 | 0.00 | 0.04 | 0.03 | 0.01 | 0.07 | 0.03 | -0.05 | 0.01 | -0.03 | -0.08 | 0.05 | 0.13 | -0.05 | 0.03 | 0.09 | 0.03 | -0.07 | 0.11 | -0.01 | 0.05 | -0.02 | 0.19 | 0.06 | 0.00 | 0.07 | 0.01 | -0.08 | -0.01 | -0.02 | 0.01 | 0.04 | -0.06 | -0.03 | -0.02 | 0.09 | 0.02 | 0.02 | 0.03 | -0.03 | -0.02 | -0.03 | -0.03 | -0.04 | 0.00 | 0.02 | 0.01 | 0.02 | -0.01 | -0.10 | -0.04 | -0.01 | 0.04 | 0.02 | -0.06 | 0.03 | -0.09 | 0.07 | 0.06 | 0.07 | 0.07 | 0.08 | -0.04 | 0.07 | -0.08 | 0.03 | -0.08 | 0.13 | 0.02 | 0.01 | -0.01 |
| Gen.SalesChan7 | -0.05 | -0.01 | 0.00 | 0.81 | -0.06 | 0.01 | 0.04 | 0.00 | 0.00 | -0.01 | -0.06 | 0.01 | -0.04 | 0.00 | -0.04 | 0.03 | 0.01 | 0.01 | -0.01 | 0.00 | 0.06 | -0.03 | -0.02 | 0.01 | -0.05 | 0.07 | -0.02 | 0.00 | -0.01 | -0.03 | -0.03 | 0.02 | -0.05 | 0.00 | 0.02 | 0.04 | -0.02 | 0.02 | -0.05 | -0.01 | -0.04 | 0.02 | -0.05 | 0.00 | -0.02 | 0.01 | 0.00 | -0.02 | 0.05 | -0.04 | -0.06 | -0.03 | -0.04 | 0.02 | -0.08 | -0.02 | 0.02 | 0.00 | -0.02 | 0.04 | 0.01 | -0.02 | 0.08 | -0.04 | -0.03 | 0.05 | 0.01 | -0.06 | -0.01 | 0.01 | 0.02 | -0.05 | 0.00 | 0.02 | 0.00 | 0.01 | -0.04 | -0.03 | 0.03 | -0.01 | -0.02 | -0.03 | 0.00 | 0.02 | -0.09 | 0.01 | -0.04 | -0.06 | -0.01 | -0.06 | -0.02 | 0.02 | -0.01 | 0.00 | -0.01 | -0.01 | 0.00 |
| InsChoice.Driver9 | -0.05 | 0.01 | 0.01 | -0.05 | 0.07 | 0.01 | 0.02 | 0.08 | -0.03 | 0.04 | 0.01 | -0.04 | 0.00 | 0.01 | 0.00 | -0.01 | 0.00 | 0.05 | -0.06 | 0.03 | 0.01 | 0.03 | -0.01 | -0.05 | 0.00 | 0.03 | -0.03 | 0.08 | -0.03 | -0.02 | -0.01 | -0.04 | 0.01 | -0.04 | 0.02 | -0.02 | -0.01 | 0.08 | 0.01 | 0.08 | 0.01 | 0.00 | 0.05 | 0.01 | 0.00 | 0.02 | 0.00 | 0.00 | 0.11 | 0.00 | 0.05 | 0.03 | -0.01 | 0.04 | 0.05 | 0.05 | 0.02 | 0.01 | -0.04 | -0.05 | -0.01 | -0.02 | 0.03 | -0.04 | 0.03 | 0.00 | 0.07 | -0.02 | 0.04 | -0.07 | 0.01 | 0.01 | -0.01 | -0.02 | 0.04 | -0.02 | 0.01 | -0.12 | -0.78 | 0.00 | -0.05 | 0.01 | -0.03 | -0.01 | -0.01 | 0.06 | -0.03 | -0.05 | -0.06 | 0.00 | 0.08 | 0.03 | -0.04 | 0.07 | -0.05 | 0.08 | -0.03 |
| Switch.Drivers9 | -0.05 | 0.06 | -0.01 | -0.04 | 0.01 | 0.02 | 0.05 | -0.05 | 0.03 | 0.01 | -0.07 | 0.02 | -0.02 | -0.01 | -0.02 | 0.07 | 0.02 | -0.02 | 0.07 | 0.01 | -0.05 | -0.02 | -0.03 | 0.01 | 0.02 | -0.01 | -0.01 | 0.01 | -0.03 | 0.00 | 0.08 | 0.05 | 0.00 | 0.04 | 0.01 | -0.02 | -0.04 | 0.02 | 0.05 | 0.01 | 0.04 | 0.01 | -0.04 | -0.01 | 0.00 | -0.02 | 0.01 | -0.02 | -0.03 | 0.00 | 0.02 | 0.01 | 0.01 | -0.01 | -0.01 | 0.02 | -0.06 | 0.01 | -0.01 | 0.01 | 0.02 | -0.02 | -0.03 | 0.05 | -0.03 | 0.09 | 0.00 | 0.00 | 0.02 | 0.09 | 0.00 | -0.01 | 0.03 | 0.00 | 0.00 | 0.00 | 0.01 | 0.04 | 0.05 | 0.02 | 0.82 | 0.01 | -0.03 | 0.06 | -0.02 | 0.03 | -0.02 | -0.01 | -0.02 | -0.01 | 0.02 | 0.01 | 0.06 | -0.01 | 0.02 | -0.01 | 0.01 |
| DataSharing.Attitude4 | -0.06 | 0.00 | 0.13 | -0.04 | 0.07 | 0.19 | 0.08 | 0.09 | 0.09 | 0.18 | 0.06 | -0.03 | 0.01 | -0.07 | 0.07 | 0.16 | -0.07 | -0.02 | 0.13 | 0.09 | 0.07 | 0.24 | 0.12 | 0.04 | 0.03 | -0.01 | -0.01 | -0.03 | 0.00 | 0.06 | -0.01 | -0.03 | 0.05 | 0.07 | 0.11 | 0.06 | -0.04 | 0.06 | 0.05 | 0.10 | 0.17 | -0.08 | 0.05 | 0.01 | 0.01 | 0.05 | -0.02 | -0.09 | -0.05 | 0.02 | -0.13 | 0.01 | 0.03 | -0.08 | 0.15 | 0.05 | -0.05 | 0.03 | -0.08 | -0.09 | -0.16 | 0.00 | 0.05 | 0.02 | -0.04 | 0.09 | 0.02 | -0.08 | -0.01 | -0.06 | 0.20 | 0.02 | 0.09 | 0.07 | 0.06 | -0.12 | 0.05 | -0.10 | 0.06 | -0.05 | 0.02 | 0.04 | 0.22 | -0.09 | -0.01 | 0.01 | -0.02 | -0.06 | -0.06 | 0.09 | 0.03 | -0.08 | 0.15 | 0.11 | 0.02 | 0.05 | -0.15 |
| L.H.Own10 | -0.06 | 0.21 | 0.01 | -0.02 | -0.01 | 0.10 | 0.05 | 0.05 | 0.12 | 0.08 | 0.03 | 0.02 | 0.00 | 0.11 | 0.19 | 0.06 | 0.06 | -0.04 | 0.05 | -0.03 | 0.09 | -0.13 | 0.07 | -0.07 | 0.04 | -0.12 | -0.01 | 0.32 | 0.07 | 0.17 | 0.06 | 0.15 | -0.10 | -0.03 | -0.03 | -0.02 | -0.07 | -0.04 | -0.06 | 0.00 | -0.17 | 0.04 | 0.00 | 0.13 | 0.17 | 0.00 | -0.02 | -0.01 | -0.03 | 0.11 | -0.04 | -0.03 | 0.02 | -0.12 | 0.20 | -0.04 | -0.10 | 0.01 | -0.04 | -0.03 | 0.06 | -0.05 | -0.03 | 0.12 | -0.02 | 0.00 | 0.06 | 0.05 | -0.19 | -0.02 | -0.06 | -0.08 | -0.06 | 0.14 | -0.04 | -0.03 | 0.02 | -0.10 | -0.07 | 0.09 | -0.05 | 0.06 | -0.05 | 0.07 | 0.00 | 0.16 | -0.08 | -0.09 | -0.05 | 0.13 | 0.07 | -0.06 | -0.10 | -0.01 | -0.01 | 0.08 | 0.06 |
| Gen.Own8 | -0.06 | -0.04 | -0.01 | -0.03 | -0.04 | -0.04 | -0.08 | -0.04 | -0.03 | -0.01 | 0.03 | 0.03 | -0.03 | 0.09 | -0.10 | 0.03 | 0.02 | 0.03 | -0.11 | -0.05 | 0.02 | -0.11 | -0.04 | -0.17 | -0.04 | 0.11 | 0.39 | 0.00 | -0.07 | -0.09 | -0.18 | 0.06 | -0.05 | -0.01 | 0.11 | -0.08 | -0.16 | -0.06 | 0.11 | -0.03 | 0.00 | -0.26 | -0.01 | 0.02 | 0.09 | -0.05 | 0.01 | -0.02 | -0.09 | 0.00 | 0.05 | 0.02 | -0.04 | -0.06 | 0.05 | -0.07 | 0.08 | 0.09 | 0.05 | 0.10 | 0.06 | 0.06 | 0.08 | -0.10 | -0.18 | 0.12 | -0.04 | 0.04 | -0.06 | -0.13 | 0.08 | 0.08 | 0.14 | 0.02 | 0.03 | 0.13 | 0.06 | -0.08 | -0.06 | -0.01 | 0.03 | 0.10 | 0.13 | 0.09 | 0.13 | -0.01 | 0.09 | 0.05 | -0.03 | -0.07 | -0.06 | 0.02 | 0.02 | -0.04 | 0.03 | -0.04 | 0.02 |
| NoIns.Rea2 | -0.06 | 0.04 | 0.02 | -0.01 | -0.04 | -0.06 | 0.01 | 0.07 | 0.03 | 0.00 | -0.01 | -0.04 | -0.05 | -0.07 | -0.01 | -0.02 | -0.14 | 0.05 | 0.00 | -0.02 | 0.03 | 0.05 | 0.02 | -0.01 | 0.01 | 0.02 | -0.01 | -0.03 | -0.01 | -0.02 | 0.00 | -0.01 | -0.05 | 0.03 | -0.01 | -0.01 | -0.03 | -0.02 | 0.04 | 0.05 | 0.01 | -0.01 | -0.01 | 0.05 | -0.03 | -0.05 | 0.01 | -0.03 | -0.03 | 0.00 | 0.00 | 0.00 | -0.04 | 0.03 | 0.03 | -0.04 | 0.10 | -0.02 | 0.00 | 0.03 | -0.03 | -0.03 | 0.00 | -0.01 | -0.06 | -0.05 | -0.03 | 0.00 | -0.03 | -0.03 | -0.02 | -0.01 | -0.01 | 0.06 | 0.01 | 0.01 | 0.01 | 0.03 | -0.06 | -0.01 | -0.01 | 0.00 | 0.01 | -0.02 | 0.02 | 0.04 | -0.01 | 0.00 | 0.01 | 0.05 | 0.03 | 0.01 | 0.11 | 0.81 | -0.01 | 0.00 | -0.02 |
| Gen.Lack1 | -0.06 | -0.01 | 0.06 | 0.05 | 0.12 | -0.01 | -0.07 | 0.14 | 0.15 | 0.06 | 0.09 | 0.02 | -0.11 | -0.06 | 0.09 | -0.03 | -0.03 | -0.06 | 0.06 | -0.03 | 0.09 | -0.03 | 0.12 | -0.03 | -0.01 | -0.07 | -0.02 | 0.02 | -0.03 | 0.12 | 0.68 | 0.04 | 0.08 | 0.08 | 0.26 | 0.02 | -0.04 | 0.03 | -0.01 | 0.01 | 0.00 | -0.01 | -0.01 | -0.04 | -0.04 | -0.04 | 0.05 | -0.07 | 0.00 | 0.04 | -0.03 | -0.06 | 0.06 | -0.04 | 0.03 | 0.07 | 0.01 | -0.03 | 0.03 | 0.07 | -0.03 | 0.05 | 0.01 | -0.03 | -0.01 | 0.03 | 0.00 | 0.02 | -0.03 | 0.09 | -0.03 | 0.08 | 0.03 | 0.01 | -0.08 | 0.00 | 0.01 | 0.01 | -0.04 | 0.00 | 0.10 | -0.01 | -0.03 | 0.05 | -0.08 | -0.01 | 0.04 | -0.02 | 0.05 | 0.02 | -0.05 | -0.02 | 0.01 | 0.05 | -0.05 | -0.05 | 0.00 |
| Gen.Lack3 | -0.06 | 0.14 | 0.02 | 0.06 | 0.12 | 0.18 | 0.04 | 0.43 | 0.03 | 0.03 | 0.05 | 0.09 | -0.08 | 0.03 | 0.02 | 0.11 | -0.05 | -0.01 | 0.02 | -0.04 | 0.00 | 0.00 | 0.27 | 0.05 | 0.08 | 0.11 | -0.03 | 0.01 | -0.01 | 0.06 | -0.02 | 0.08 | -0.04 | 0.03 | 0.17 | -0.13 | 0.09 | 0.06 | 0.04 | -0.02 | 0.09 | -0.01 | -0.03 | 0.01 | 0.00 | -0.01 | 0.03 | -0.04 | 0.02 | 0.02 | 0.03 | -0.07 | 0.06 | 0.01 | 0.10 | 0.00 | 0.09 | 0.10 | 0.13 | 0.01 | 0.01 | 0.08 | 0.10 | -0.05 | 0.09 | -0.03 | 0.03 | 0.01 | 0.11 | 0.06 | 0.07 | -0.06 | 0.08 | 0.10 | -0.06 | 0.09 | 0.06 | -0.05 | 0.03 | -0.04 | 0.08 | 0.13 | -0.04 | -0.07 | -0.06 | 0.04 | 0.11 | 0.03 | 0.04 | 0.21 | 0.01 | 0.05 | -0.07 | 0.03 | -0.05 | -0.02 | -0.14 |
| InsChoice.Driver4 | -0.06 | 0.02 | -0.07 | -0.01 | 0.02 | -0.03 | -0.08 | 0.01 | 0.14 | -0.01 | 0.07 | 0.01 | 0.02 | 0.03 | -0.02 | 0.01 | -0.13 | 0.03 | -0.04 | -0.05 | 0.03 | -0.10 | 0.13 | 0.11 | 0.06 | 0.01 | -0.02 | 0.01 | 0.08 | 0.01 | -0.01 | -0.03 | 0.05 | 0.00 | -0.08 | -0.02 | 0.02 | -0.04 | -0.09 | -0.10 | 0.08 | 0.08 | 0.07 | 0.03 | 0.07 | 0.01 | 0.05 | -0.07 | 0.07 | 0.02 | 0.05 | -0.11 | -0.03 | 0.08 | 0.14 | 0.15 | 0.03 | -0.15 | 0.06 | -0.09 | 0.09 | 0.03 | -0.04 | -0.28 | 0.19 | -0.25 | 0.02 | 0.03 | -0.16 | 0.01 | 0.03 | 0.04 | -0.05 | 0.07 | -0.07 | -0.01 | 0.02 | -0.28 | 0.10 | -0.09 | -0.01 | 0.05 | 0.10 | -0.01 | 0.01 | -0.09 | -0.09 | 0.04 | 0.06 | 0.02 | 0.28 | -0.03 | 0.17 | 0.01 | -0.03 | 0.02 | -0.02 |
| Switch.Drivers4 | -0.06 | -0.06 | 0.02 | -0.02 | 0.06 | 0.07 | 0.03 | 0.04 | -0.06 | -0.04 | 0.04 | 0.05 | -0.07 | 0.06 | -0.01 | 0.00 | 0.06 | 0.02 | -0.01 | -0.07 | -0.06 | 0.11 | 0.08 | 0.05 | -0.05 | 0.02 | -0.03 | -0.01 | 0.00 | 0.04 | 0.00 | -0.03 | -0.03 | 0.05 | 0.06 | -0.02 | -0.03 | 0.02 | -0.03 | 0.08 | 0.03 | -0.01 | -0.01 | -0.07 | 0.04 | -0.02 | -0.03 | -0.02 | 0.02 | -0.04 | -0.02 | -0.03 | -0.01 | 0.07 | 0.77 | -0.02 | 0.02 | -0.03 | -0.02 | 0.01 | -0.03 | -0.04 | 0.01 | -0.02 | 0.08 | -0.02 | 0.03 | -0.05 | 0.06 | -0.03 | 0.03 | 0.07 | 0.12 | 0.00 | 0.02 | 0.02 | -0.02 | -0.04 | -0.05 | -0.02 | -0.01 | 0.00 | -0.03 | -0.03 | 0.02 | -0.09 | 0.02 | -0.03 | -0.05 | -0.06 | 0.02 | 0.02 | -0.05 | 0.04 | 0.01 | -0.01 | 0.02 |
| Lifestyle2 | -0.07 | 0.03 | -0.01 | 0.10 | -0.01 | -0.02 | 0.06 | 0.03 | -0.03 | 0.14 | -0.02 | -0.06 | -0.02 | -0.01 | 0.07 | 0.07 | 0.12 | 0.05 | 0.08 | 0.03 | -0.18 | -0.08 | -0.03 | -0.01 | 0.03 | -0.10 | -0.03 | -0.06 | 0.04 | 0.26 | -0.01 | 0.07 | -0.07 | 0.02 | 0.03 | 0.16 | -0.09 | 0.11 | -0.07 | -0.15 | -0.12 | 0.06 | -0.01 | 0.10 | 0.18 | 0.03 | 0.28 | 0.07 | 0.00 | 0.16 | 0.10 | 0.01 | 0.02 | 0.07 | -0.05 | 0.13 | 0.03 | 0.07 | -0.24 | 0.10 | -0.05 | -0.06 | 0.06 | -0.01 | 0.04 | -0.13 | 0.00 | -0.12 | 0.10 | -0.03 | 0.04 | -0.01 | -0.03 | -0.10 | -0.07 | -0.10 | 0.17 | -0.01 | 0.14 | -0.01 | 0.05 | 0.00 | -0.03 | 0.04 | 0.00 | 0.03 | 0.05 | -0.02 | -0.08 | -0.15 | -0.01 | 0.06 | 0.05 | -0.03 | -0.06 | 0.06 | 0.17 |
| Media18 | -0.07 | 0.02 | -0.01 | -0.02 | -0.01 | 0.04 | 0.03 | -0.01 | 0.02 | 0.01 | 0.04 | -0.02 | 0.02 | 0.07 | 0.03 | -0.05 | 0.00 | 0.00 | -0.08 | -0.03 | 0.01 | 0.03 | 0.00 | -0.09 | -0.04 | 0.05 | -0.01 | 0.10 | 0.00 | 0.08 | 0.05 | 0.01 | -0.02 | -0.05 | 0.03 | 0.05 | -0.05 | 0.03 | -0.01 | -0.04 | -0.01 | -0.07 | 0.00 | -0.04 | -0.01 | -0.04 | 0.01 | 0.00 | 0.80 | 0.04 | -0.02 | 0.22 | -0.03 | 0.00 | 0.03 | 0.02 | -0.02 | 0.00 | -0.01 | 0.00 | 0.01 | 0.01 | -0.02 | 0.02 | -0.01 | -0.01 | -0.04 | 0.00 | -0.04 | -0.02 | 0.00 | -0.02 | -0.01 | -0.02 | 0.00 | -0.01 | 0.04 | -0.04 | -0.11 | -0.02 | -0.03 | 0.00 | -0.04 | 0.00 | 0.06 | 0.10 | 0.03 | 0.00 | 0.00 | 0.03 | -0.03 | -0.01 | -0.02 | -0.03 | 0.05 | 0.04 | 0.00 |
| NoIns.Rea8 | -0.07 | -0.03 | -0.02 | 0.00 | 0.02 | -0.02 | 0.01 | 0.03 | -0.04 | -0.01 | 0.01 | -0.02 | -0.02 | -0.04 | 0.01 | -0.05 | -0.38 | 0.01 | -0.01 | -0.02 | 0.05 | 0.04 | 0.03 | 0.03 | 0.03 | -0.07 | 0.00 | -0.02 | 0.05 | -0.03 | 0.02 | -0.04 | -0.05 | -0.02 | 0.01 | 0.18 | -0.04 | 0.00 | 0.01 | -0.02 | 0.01 | -0.01 | 0.04 | 0.01 | -0.02 | 0.06 | -0.02 | -0.07 | -0.02 | 0.01 | 0.01 | -0.01 | -0.01 | -0.06 | 0.04 | -0.02 | 0.06 | -0.02 | 0.00 | 0.00 | -0.02 | 0.10 | 0.02 | -0.01 | 0.03 | -0.02 | 0.07 | -0.01 | -0.02 | 0.10 | -0.03 | 0.02 | 0.08 | 0.03 | -0.01 | -0.02 | -0.04 | 0.02 | 0.05 | 0.00 | 0.01 | -0.06 | 0.01 | 0.02 | 0.06 | -0.03 | -0.04 | -0.06 | -0.02 | -0.08 | -0.09 | 0.04 | -0.05 | -0.02 | 0.07 | 0.01 | 0.66 |
| Gen.SalesChan1 | -0.07 | 0.02 | 0.04 | -0.07 | 0.68 | 0.00 | 0.12 | 0.13 | 0.06 | 0.00 | -0.06 | -0.15 | -0.16 | 0.00 | -0.02 | 0.06 | -0.05 | 0.05 | 0.13 | -0.02 | 0.05 | 0.07 | -0.01 | 0.05 | 0.00 | 0.08 | 0.03 | 0.00 | -0.01 | 0.06 | 0.01 | -0.02 | 0.07 | -0.06 | 0.00 | 0.11 | -0.04 | 0.15 | -0.03 | 0.07 | -0.03 | -0.07 | -0.04 | 0.04 | -0.08 | 0.04 | 0.01 | 0.01 | -0.11 | -0.01 | -0.02 | -0.04 | 0.01 | 0.01 | 0.08 | 0.00 | 0.01 | -0.01 | -0.02 | -0.09 | -0.03 | 0.01 | 0.04 | 0.10 | 0.00 | -0.04 | 0.01 | -0.11 | 0.03 | 0.00 | 0.01 | 0.00 | -0.08 | 0.00 | -0.05 | -0.03 | 0.07 | -0.05 | -0.12 | -0.08 | -0.04 | 0.03 | -0.02 | 0.08 | 0.00 | 0.09 | 0.03 | 0.02 | 0.01 | 0.04 | -0.01 | -0.06 | -0.06 | -0.07 | 0.05 | -0.03 | 0.00 |
| Savings12 | -0.08 | -0.04 | -0.03 | -0.02 | 0.09 | -0.06 | 0.06 | 0.00 | 0.09 | 0.13 | -0.04 | -0.07 | 0.02 | -0.02 | 0.06 | 0.19 | 0.00 | 0.01 | 0.10 | -0.12 | 0.05 | -0.01 | 0.03 | 0.13 | 0.08 | 0.09 | -0.05 | 0.00 | -0.10 | -0.14 | -0.04 | -0.12 | 0.01 | -0.01 | -0.03 | 0.07 | 0.02 | 0.16 | 0.19 | 0.06 | 0.01 | 0.01 | 0.30 | -0.01 | -0.20 | 0.08 | -0.05 | 0.04 | 0.06 | -0.08 | -0.01 | -0.04 | 0.06 | 0.14 | -0.10 | 0.03 | -0.02 | -0.05 | 0.09 | 0.12 | -0.02 | -0.03 | -0.05 | -0.03 | -0.07 | 0.08 | 0.24 | 0.00 | 0.14 | -0.06 | 0.00 | -0.07 | -0.11 | 0.11 | -0.02 | 0.01 | 0.02 | -0.06 | 0.17 | -0.07 | 0.09 | 0.07 | -0.07 | -0.03 | 0.02 | 0.00 | -0.09 | -0.06 | 0.07 | 0.04 | 0.13 | -0.08 | 0.15 | 0.04 | 0.03 | -0.08 | 0.11 |
| Online.Purchase3 | -0.08 | 0.18 | 0.01 | -0.02 | 0.04 | -0.03 | 0.00 | 0.02 | 0.09 | 0.02 | -0.03 | 0.02 | -0.07 | 0.13 | 0.15 | -0.03 | -0.03 | 0.15 | -0.01 | 0.08 | 0.15 | 0.02 | 0.10 | -0.07 | -0.11 | 0.13 | -0.06 | -0.02 | 0.00 | 0.09 | 0.01 | 0.00 | 0.02 | 0.17 | 0.00 | -0.07 | 0.16 | 0.03 | 0.02 | -0.10 | 0.06 | 0.12 | 0.00 | -0.09 | 0.22 | -0.15 | -0.05 | 0.00 | 0.06 | -0.04 | 0.09 | 0.00 | 0.10 | 0.09 | 0.01 | 0.09 | 0.03 | -0.04 | -0.03 | -0.24 | -0.01 | 0.13 | -0.13 | -0.07 | 0.14 | -0.06 | 0.05 | 0.08 | -0.03 | 0.03 | -0.03 | -0.06 | 0.00 | 0.08 | -0.04 | 0.24 | -0.04 | -0.12 | 0.03 | 0.04 | -0.06 | 0.00 | -0.03 | 0.18 | 0.06 | 0.09 | -0.01 | 0.01 | -0.02 | 0.01 | -0.05 | -0.10 | -0.01 | -0.01 | -0.09 | -0.12 | -0.11 |
| DataSharing.Attitude2 | -0.08 | -0.03 | -0.09 | -0.02 | 0.06 | -0.15 | 0.00 | 0.00 | 0.15 | 0.11 | 0.12 | -0.04 | -0.04 | 0.02 | 0.11 | 0.13 | -0.01 | 0.07 | 0.08 | -0.05 | -0.11 | 0.04 | 0.01 | -0.01 | 0.01 | 0.08 | 0.10 | -0.01 | 0.10 | 0.13 | -0.02 | -0.04 | 0.01 | -0.02 | -0.02 | 0.05 | 0.02 | -0.03 | -0.03 | 0.00 | -0.42 | 0.10 | -0.02 | 0.14 | 0.07 | 0.05 | 0.12 | 0.07 | 0.02 | 0.04 | -0.05 | 0.09 | -0.06 | 0.00 | -0.04 | 0.08 | 0.00 | 0.03 | 0.05 | 0.21 | 0.19 | 0.13 | 0.10 | -0.07 | -0.11 | 0.03 | 0.16 | 0.03 | 0.09 | 0.03 | 0.06 | 0.03 | 0.06 | 0.03 | 0.06 | 0.12 | 0.04 | 0.07 | -0.08 | -0.01 | 0.07 | 0.05 | 0.09 | 0.02 | 0.01 | 0.05 | -0.01 | 0.11 | 0.02 | 0.07 | 0.00 | 0.05 | -0.02 | 0.02 | 0.16 | 0.07 | 0.02 |
| Ins.Service9 | -0.08 | 0.03 | 0.09 | 0.03 | 0.01 | 0.08 | -0.02 | 0.01 | 0.04 | -0.01 | 0.03 | -0.05 | -0.03 | -0.02 | 0.07 | 0.05 | -0.02 | 0.09 | 0.07 | 0.04 | -0.01 | -0.03 | 0.08 | 0.02 | -0.02 | -0.05 | -0.03 | 0.03 | -0.01 | 0.07 | 0.05 | -0.04 | -0.01 | -0.03 | 0.05 | -0.01 | -0.03 | -0.01 | -0.04 | 0.03 | 0.02 | -0.02 | -0.01 | 0.03 | 0.10 | 0.03 | -0.03 | -0.08 | 0.04 | -0.04 | -0.02 | 0.00 | 0.01 | 0.03 | -0.06 | 0.12 | 0.01 | -0.01 | -0.03 | 0.05 | -0.07 | -0.04 | -0.01 | 0.06 | 0.01 | -0.07 | -0.03 | -0.06 | -0.04 | -0.03 | 0.03 | 0.00 | -0.01 | -0.02 | -0.04 | 0.06 | 0.05 | 0.02 | 0.01 | 0.07 | -0.01 | -0.11 | 0.00 | 0.01 | -0.04 | 0.02 | -0.10 | -0.07 | 0.07 | 0.73 | -0.03 | 0.04 | 0.09 | 0.06 | 0.02 | -0.01 | -0.05 |
| Gen.Own9 | -0.08 | -0.04 | 0.02 | -0.01 | 0.07 | -0.01 | -0.01 | -0.05 | -0.04 | -0.03 | -0.06 | 0.01 | -0.02 | -0.02 | -0.02 | -0.01 | -0.64 | -0.03 | 0.00 | -0.03 | -0.16 | 0.07 | -0.03 | -0.08 | 0.10 | -0.05 | -0.01 | -0.01 | -0.08 | -0.02 | -0.11 | 0.02 | -0.01 | -0.17 | -0.08 | 0.02 | -0.01 | 0.01 | 0.00 | 0.00 | 0.02 | 0.05 | -0.03 | -0.10 | -0.04 | 0.02 | 0.04 | 0.09 | 0.00 | 0.01 | -0.03 | -0.08 | -0.02 | 0.04 | -0.02 | -0.02 | 0.01 | 0.05 | -0.05 | 0.04 | 0.04 | -0.04 | -0.03 | 0.07 | -0.01 | 0.00 | 0.08 | -0.05 | -0.05 | 0.06 | -0.03 | -0.02 | 0.06 | 0.02 | -0.01 | -0.02 | 0.01 | -0.01 | -0.11 | 0.02 | -0.02 | -0.10 | -0.06 | 0.11 | -0.05 | 0.03 | 0.03 | -0.04 | -0.03 | -0.07 | 0.06 | -0.24 | 0.02 | 0.22 | 0.03 | -0.01 | 0.01 |
| Purc.Trig2 | -0.08 | 0.02 | 0.09 | -0.04 | 0.03 | 0.09 | -0.06 | 0.00 | 0.06 | 0.02 | 0.04 | -0.04 | -0.05 | 0.03 | 0.02 | 0.06 | 0.05 | 0.01 | 0.06 | 0.06 | 0.00 | -0.02 | -0.01 | 0.02 | 0.00 | 0.06 | -0.01 | -0.04 | 0.04 | 0.02 | 0.01 | -0.04 | 0.04 | 0.04 | 0.01 | 0.09 | 0.06 | 0.03 | -0.01 | 0.00 | 0.09 | 0.06 | 0.01 | 0.05 | -0.01 | -0.04 | 0.04 | -0.02 | -0.02 | 0.04 | -0.03 | -0.03 | -0.01 | 0.00 | -0.02 | 0.05 | 0.00 | 0.00 | 0.12 | 0.03 | 0.01 | -0.04 | -0.01 | 0.00 | 0.05 | -0.02 | 0.03 | 0.06 | 0.11 | 0.00 | -0.02 | 0.06 | -0.04 | 0.00 | -0.04 | 0.01 | 0.01 | 0.01 | 0.00 | 0.78 | 0.02 | 0.09 | -0.02 | 0.04 | -0.01 | 0.01 | -0.03 | -0.01 | -0.05 | 0.06 | 0.01 | 0.03 | 0.02 | -0.01 | -0.01 | 0.06 | 0.01 |
| L.H.Lack11 | -0.08 | 0.01 | -0.04 | 0.00 | 0.07 | -0.04 | -0.04 | -0.17 | -0.05 | 0.01 | -0.06 | 0.07 | 0.03 | -0.01 | 0.01 | -0.10 | -0.02 | -0.11 | -0.10 | -0.02 | -0.21 | -0.03 | 0.00 | 0.07 | 0.03 | -0.03 | -0.05 | -0.03 | -0.10 | 0.02 | -0.07 | 0.06 | 0.06 | -0.14 | -0.49 | -0.02 | -0.08 | 0.01 | -0.02 | 0.01 | 0.01 | -0.11 | -0.07 | 0.05 | 0.02 | 0.08 | 0.05 | -0.05 | -0.02 | -0.05 | 0.00 | 0.15 | -0.02 | -0.02 | -0.07 | 0.04 | 0.05 | -0.02 | 0.05 | 0.02 | -0.11 | -0.03 | -0.05 | -0.05 | 0.02 | -0.01 | 0.11 | -0.05 | 0.00 | 0.09 | 0.00 | -0.06 | 0.11 | -0.01 | 0.13 | -0.01 | 0.00 | 0.04 | 0.02 | -0.04 | 0.01 | -0.11 | -0.05 | -0.13 | -0.04 | -0.04 | 0.04 | -0.03 | 0.02 | -0.04 | -0.08 | -0.38 | -0.04 | 0.04 | -0.03 | -0.04 | -0.11 |
| Gen.Res8 | -0.08 | 0.02 | -0.02 | -0.03 | 0.03 | 0.08 | 0.21 | 0.07 | 0.70 | 0.15 | 0.05 | 0.12 | -0.05 | 0.18 | 0.08 | -0.01 | -0.02 | 0.00 | 0.07 | -0.04 | 0.02 | 0.07 | 0.04 | 0.01 | 0.00 | 0.06 | -0.02 | 0.04 | 0.06 | -0.04 | 0.05 | 0.02 | 0.01 | 0.03 | -0.03 | -0.02 | 0.04 | 0.09 | 0.06 | -0.04 | 0.00 | 0.01 | -0.03 | -0.08 | 0.01 | -0.01 | 0.02 | 0.03 | 0.05 | 0.01 | 0.04 | -0.05 | 0.04 | -0.08 | -0.05 | -0.05 | -0.06 | 0.03 | 0.07 | 0.02 | -0.03 | -0.04 | -0.03 | 0.06 | -0.04 | -0.06 | -0.03 | 0.03 | -0.02 | 0.00 | -0.02 | -0.02 | 0.03 | 0.03 | 0.00 | -0.06 | -0.08 | 0.03 | -0.01 | -0.04 | 0.06 | 0.03 | -0.03 | 0.10 | 0.05 | -0.07 | 0.04 | 0.00 | -0.01 | 0.05 | -0.03 | 0.04 | 0.00 | 0.11 | 0.07 | -0.04 | -0.02 |
| Ins.wo.CB2 | -0.09 | -0.01 | -0.03 | 0.04 | -0.05 | -0.02 | -0.01 | -0.02 | -0.01 | 0.01 | -0.06 | -0.01 | -0.04 | 0.03 | 0.03 | 0.06 | -0.02 | -0.01 | -0.06 | -0.01 | -0.07 | -0.05 | -0.06 | -0.05 | -0.05 | 0.02 | -0.03 | -0.02 | -0.03 | -0.04 | 0.01 | -0.02 | -0.05 | 0.00 | -0.01 | 0.04 | -0.02 | -0.02 | -0.02 | 0.02 | -0.05 | 0.01 | 0.02 | -0.04 | 0.05 | -0.06 | -0.01 | -0.04 | -0.05 | 0.00 | 0.04 | 0.07 | 0.01 | -0.01 | -0.02 | 0.01 | 0.01 | 0.03 | -0.05 | 0.04 | 0.01 | -0.04 | 0.01 | -0.08 | 0.04 | 0.03 | -0.01 | 0.01 | 0.03 | 0.03 | -0.01 | 0.02 | 0.01 | 0.04 | 0.05 | -0.03 | -0.02 | 0.01 | -0.01 | 0.01 | 0.03 | -0.02 | 0.00 | 0.01 | -0.84 | 0.03 | -0.03 | 0.04 | -0.03 | 0.03 | -0.01 | -0.07 | -0.03 | -0.02 | -0.05 | 0.00 | -0.04 |
| L.H.Own12 | -0.09 | -0.01 | 0.01 | -0.04 | 0.01 | -0.05 | -0.03 | 0.04 | 0.01 | 0.01 | 0.02 | -0.04 | -0.05 | 0.00 | -0.04 | 0.00 | -0.74 | 0.01 | -0.05 | -0.03 | -0.01 | 0.04 | -0.04 | 0.02 | -0.05 | 0.02 | -0.02 | 0.01 | 0.02 | -0.01 | -0.01 | -0.01 | -0.09 | 0.02 | -0.02 | 0.03 | -0.04 | 0.00 | -0.01 | 0.00 | -0.03 | 0.00 | -0.03 | 0.02 | 0.02 | -0.03 | -0.01 | 0.03 | 0.09 | -0.02 | 0.00 | 0.29 | -0.03 | -0.07 | -0.02 | -0.02 | 0.04 | -0.01 | -0.02 | -0.02 | -0.02 | 0.00 | -0.01 | -0.04 | 0.02 | -0.02 | -0.06 | 0.00 | -0.01 | 0.01 | 0.01 | -0.01 | -0.02 | -0.01 | -0.01 | 0.00 | 0.00 | 0.01 | 0.02 | -0.06 | -0.01 | -0.02 | 0.06 | -0.04 | 0.00 | 0.00 | 0.00 | 0.00 | 0.26 | 0.04 | -0.02 | -0.24 | -0.01 | 0.24 | 0.04 | -0.01 | 0.15 |
| Asset.Type8 | -0.10 | -0.02 | -0.01 | 0.47 | 0.03 | -0.01 | 0.00 | 0.02 | -0.04 | 0.07 | 0.03 | -0.06 | 0.01 | 0.04 | 0.01 | 0.00 | 0.02 | 0.04 | -0.03 | 0.01 | 0.05 | -0.02 | 0.00 | -0.08 | 0.02 | -0.08 | 0.01 | 0.00 | 0.01 | -0.04 | -0.01 | -0.06 | 0.02 | 0.02 | -0.06 | 0.09 | -0.07 | -0.02 | 0.05 | 0.05 | -0.08 | 0.03 | 0.03 | 0.14 | -0.03 | 0.00 | -0.02 | 0.29 | -0.01 | 0.09 | 0.01 | 0.05 | -0.04 | -0.03 | -0.04 | 0.03 | 0.08 | -0.02 | -0.02 | 0.00 | -0.03 | -0.03 | -0.04 | 0.03 | 0.01 | -0.06 | -0.01 | -0.08 | 0.02 | 0.05 | -0.07 | 0.04 | 0.06 | 0.08 | 0.57 | -0.05 | 0.00 | 0.03 | 0.11 | -0.03 | -0.02 | 0.02 | -0.10 | -0.02 | 0.01 | -0.04 | 0.02 | 0.04 | 0.01 | -0.07 | 0.02 | 0.01 | 0.01 | -0.03 | -0.09 | 0.03 | -0.09 |
| Inv.Behaviour4 | -0.10 | 0.09 | -0.01 | -0.03 | -0.05 | 0.01 | -0.07 | 0.01 | 0.02 | -0.04 | 0.12 | 0.10 | 0.04 | -0.05 | 0.03 | 0.01 | -0.01 | 0.01 | -0.10 | -0.08 | 0.06 | -0.01 | -0.02 | 0.08 | -0.03 | 0.10 | -0.03 | 0.04 | -0.04 | 0.02 | -0.04 | -0.06 | 0.06 | 0.00 | -0.02 | 0.03 | -0.04 | 0.02 | 0.04 | -0.38 | 0.05 | 0.00 | 0.09 | -0.05 | 0.03 | 0.54 | 0.03 | -0.06 | -0.02 | 0.08 | -0.10 | -0.06 | 0.02 | 0.43 | 0.01 | 0.03 | -0.08 | -0.03 | 0.00 | 0.05 | 0.01 | -0.05 | -0.01 | -0.04 | 0.04 | 0.06 | -0.01 | -0.16 | 0.00 | 0.00 | 0.03 | 0.05 | -0.01 | 0.05 | 0.02 | -0.01 | -0.06 | -0.01 | -0.01 | -0.05 | -0.02 | -0.03 | 0.00 | -0.02 | 0.07 | 0.02 | 0.02 | 0.02 | -0.06 | 0.04 | 0.04 | 0.02 | -0.07 | -0.04 | 0.06 | -0.07 | 0.01 |
| Switch.Drivers17 | -0.10 | 0.03 | 0.00 | -0.04 | 0.02 | -0.02 | 0.10 | 0.12 | -0.06 | -0.02 | 0.03 | -0.16 | 0.00 | 0.08 | 0.01 | 0.10 | 0.00 | 0.06 | -0.02 | 0.03 | 0.01 | 0.03 | 0.11 | 0.18 | 0.15 | 0.01 | -0.05 | 0.04 | 0.01 | -0.06 | 0.07 | -0.03 | 0.07 | 0.02 | 0.05 | -0.25 | -0.07 | -0.09 | -0.01 | 0.05 | 0.08 | -0.09 | -0.20 | 0.18 | -0.04 | -0.02 | -0.18 | 0.04 | 0.09 | 0.08 | 0.24 | -0.01 | 0.10 | 0.24 | 0.03 | 0.03 | -0.03 | 0.00 | 0.08 | 0.05 | 0.03 | 0.15 | 0.11 | 0.04 | 0.04 | -0.04 | 0.04 | -0.01 | 0.03 | 0.21 | -0.04 | -0.01 | 0.10 | -0.07 | -0.01 | -0.07 | 0.18 | -0.08 | 0.12 | 0.04 | -0.08 | 0.04 | 0.00 | -0.04 | 0.04 | -0.05 | -0.09 | -0.03 | -0.11 | 0.02 | 0.02 | 0.04 | -0.07 | 0.07 | 0.00 | 0.04 | -0.12 |
| Parents | -0.11 | 0.00 | 0.05 | -0.02 | 0.06 | -0.08 | 0.07 | -0.05 | 0.03 | 0.07 | 0.01 | -0.04 | 0.00 | 0.00 | 0.02 | 0.00 | 0.05 | 0.03 | 0.04 | 0.00 | 0.01 | 0.11 | 0.05 | 0.00 | 0.08 | 0.77 | 0.04 | -0.01 | 0.01 | 0.06 | 0.01 | 0.07 | 0.05 | 0.01 | 0.08 | 0.04 | -0.02 | -0.05 | 0.02 | -0.03 | 0.03 | 0.03 | -0.03 | -0.05 | -0.01 | 0.06 | 0.04 | -0.01 | 0.02 | 0.02 | -0.04 | 0.01 | -0.01 | 0.02 | 0.00 | 0.01 | -0.05 | 0.01 | 0.01 | -0.05 | -0.03 | -0.03 | 0.03 | -0.02 | -0.02 | -0.04 | -0.01 | -0.03 | 0.05 | 0.02 | 0.00 | 0.05 | 0.03 | 0.06 | -0.02 | 0.02 | 0.12 | 0.02 | -0.01 | 0.05 | -0.04 | 0.01 | -0.02 | -0.01 | -0.01 | -0.01 | -0.04 | 0.01 | 0.06 | -0.04 | -0.01 | -0.04 | 0.00 | 0.02 | 0.01 | 0.05 | -0.04 |
| Ins.Service8 | -0.12 | 0.09 | 0.01 | -0.06 | -0.08 | 0.04 | 0.03 | -0.05 | 0.04 | 0.05 | -0.04 | 0.02 | 0.16 | -0.11 | -0.12 | 0.03 | 0.00 | 0.02 | -0.02 | -0.11 | 0.06 | 0.04 | 0.02 | 0.10 | -0.04 | 0.00 | 0.01 | -0.12 | -0.03 | -0.12 | -0.04 | -0.12 | 0.28 | -0.01 | 0.01 | 0.10 | 0.09 | -0.06 | -0.04 | -0.11 | -0.11 | 0.00 | 0.09 | 0.04 | 0.01 | 0.05 | -0.02 | 0.22 | 0.07 | 0.19 | -0.03 | 0.15 | 0.03 | -0.14 | 0.15 | 0.06 | -0.05 | 0.17 | 0.09 | -0.08 | -0.12 | 0.21 | -0.01 | 0.04 | -0.02 | -0.02 | -0.04 | -0.11 | 0.04 | 0.03 | 0.06 | 0.03 | 0.09 | 0.03 | -0.02 | -0.08 | 0.01 | 0.02 | 0.03 | -0.01 | 0.03 | -0.08 | 0.23 | 0.09 | 0.06 | 0.00 | 0.08 | 0.04 | -0.06 | -0.11 | -0.03 | 0.06 | -0.11 | 0.04 | -0.11 | -0.10 | 0.08 |
| InsChoice.Driver10 | -0.13 | 0.04 | 0.02 | 0.03 | 0.01 | 0.08 | 0.02 | 0.10 | 0.00 | -0.02 | 0.03 | 0.00 | 0.09 | 0.03 | 0.03 | 0.11 | -0.01 | 0.01 | 0.02 | 0.05 | 0.05 | 0.02 | -0.01 | 0.03 | -0.04 | 0.00 | 0.00 | -0.04 | -0.01 | 0.07 | 0.01 | 0.04 | 0.00 | -0.03 | -0.01 | 0.03 | 0.00 | -0.04 | 0.04 | 0.05 | 0.00 | 0.05 | -0.03 | -0.08 | 0.00 | -0.06 | -0.03 | 0.04 | 0.04 | 0.10 | 0.02 | -0.07 | 0.04 | 0.02 | -0.02 | 0.01 | 0.01 | -0.02 | -0.04 | 0.01 | 0.07 | 0.06 | 0.04 | 0.01 | -0.06 | -0.10 | -0.03 | -0.07 | 0.02 | -0.02 | -0.01 | -0.02 | -0.06 | 0.00 | 0.09 | 0.05 | 0.03 | -0.10 | 0.09 | -0.02 | -0.04 | -0.02 | 0.03 | 0.02 | -0.01 | 0.04 | 0.04 | -0.05 | -0.06 | 0.03 | -0.74 | -0.08 | 0.03 | -0.04 | -0.06 | 0.06 | 0.06 |
| Savings14 | -0.14 | 0.07 | 0.04 | 0.10 | 0.03 | -0.05 | -0.01 | -0.11 | 0.03 | 0.00 | 0.05 | -0.03 | 0.00 | -0.01 | 0.04 | -0.04 | -0.18 | 0.03 | 0.02 | -0.02 | -0.10 | 0.04 | -0.05 | -0.02 | -0.06 | -0.03 | -0.06 | 0.22 | -0.05 | -0.01 | 0.03 | -0.03 | -0.11 | 0.08 | -0.15 | 0.10 | -0.02 | 0.03 | -0.11 | -0.06 | -0.13 | -0.03 | -0.08 | -0.07 | -0.03 | -0.03 | -0.02 | -0.05 | 0.29 | -0.01 | -0.03 | 0.02 | 0.05 | -0.03 | -0.03 | -0.15 | 0.06 | 0.08 | 0.03 | -0.14 | 0.01 | 0.02 | -0.03 | -0.06 | -0.16 | -0.06 | 0.00 | 0.19 | -0.10 | 0.10 | 0.06 | -0.07 | -0.05 | 0.00 | -0.02 | -0.06 | -0.15 | 0.06 | -0.18 | 0.03 | -0.02 | -0.05 | 0.22 | 0.04 | 0.01 | 0.07 | -0.12 | -0.05 | -0.03 | 0.03 | -0.02 | 0.19 | -0.09 | 0.15 | 0.00 | 0.01 | -0.18 |
| Fin.Attitude2 | -0.14 | 0.09 | -0.03 | -0.07 | 0.10 | 0.00 | 0.03 | 0.08 | 0.00 | 0.07 | 0.06 | 0.09 | 0.04 | -0.03 | -0.05 | 0.09 | 0.10 | 0.06 | 0.00 | -0.01 | -0.01 | -0.07 | 0.02 | 0.04 | 0.14 | 0.03 | -0.02 | 0.09 | -0.06 | 0.08 | 0.06 | -0.07 | 0.01 | -0.02 | 0.07 | -0.07 | 0.01 | 0.06 | -0.09 | 0.08 | -0.02 | 0.13 | 0.06 | 0.04 | -0.14 | -0.06 | 0.24 | -0.07 | -0.08 | -0.01 | -0.04 | 0.09 | 0.00 | -0.08 | 0.11 | -0.02 | -0.05 | 0.06 | 0.00 | -0.15 | -0.09 | 0.03 | 0.18 | -0.05 | 0.13 | 0.12 | -0.02 | -0.04 | 0.05 | 0.07 | -0.03 | -0.06 | 0.10 | 0.10 | 0.11 | 0.07 | 0.18 | 0.00 | 0.10 | 0.04 | -0.28 | -0.09 | 0.06 | -0.04 | 0.06 | 0.16 | 0.06 | -0.01 | -0.06 | 0.08 | -0.05 | 0.04 | 0.13 | -0.08 | 0.21 | -0.05 | 0.09 |
| L.H.Own11 | -0.16 | 0.03 | -0.04 | -0.03 | 0.02 | 0.01 | -0.07 | 0.02 | -0.02 | 0.02 | -0.10 | 0.04 | -0.04 | 0.07 | -0.08 | 0.06 | 0.10 | 0.05 | -0.08 | 0.03 | -0.02 | 0.01 | -0.01 | -0.02 | 0.02 | 0.01 | 0.21 | 0.05 | -0.06 | -0.07 | -0.05 | -0.07 | -0.05 | -0.04 | -0.08 | -0.03 | -0.03 | 0.01 | -0.03 | -0.01 | 0.06 | -0.74 | 0.06 | -0.03 | -0.01 | 0.04 | 0.03 | -0.05 | 0.10 | 0.00 | -0.07 | -0.03 | 0.00 | 0.00 | 0.03 | -0.03 | 0.06 | -0.03 | -0.04 | -0.01 | -0.01 | 0.02 | 0.00 | -0.04 | 0.01 | 0.02 | 0.02 | 0.07 | 0.08 | 0.03 | -0.02 | -0.11 | 0.04 | 0.01 | 0.00 | -0.02 | -0.05 | 0.02 | 0.02 | -0.06 | -0.06 | 0.01 | 0.05 | -0.03 | 0.02 | -0.01 | 0.05 | 0.05 | -0.03 | 0.00 | 0.04 | 0.01 | -0.03 | -0.02 | -0.03 | -0.04 | -0.01 |
| Ins.wo.CB3 | -0.19 | -0.08 | 0.05 | -0.08 | -0.01 | -0.11 | -0.06 | -0.02 | 0.13 | -0.04 | -0.17 | -0.04 | 0.14 | 0.06 | -0.06 | 0.00 | -0.07 | 0.08 | -0.16 | -0.19 | -0.02 | -0.06 | -0.05 | 0.06 | -0.13 | -0.09 | 0.03 | 0.05 | -0.24 | -0.11 | -0.09 | 0.06 | -0.14 | -0.10 | -0.17 | 0.09 | 0.04 | 0.02 | -0.03 | -0.03 | -0.11 | -0.04 | 0.00 | -0.14 | 0.05 | -0.01 | -0.08 | -0.02 | 0.04 | -0.01 | 0.03 | 0.05 | 0.08 | -0.03 | -0.03 | -0.10 | 0.14 | -0.05 | 0.03 | 0.00 | -0.12 | -0.13 | -0.12 | 0.10 | 0.13 | -0.06 | 0.03 | 0.06 | -0.03 | -0.05 | 0.07 | 0.04 | 0.04 | 0.23 | -0.04 | 0.10 | 0.08 | -0.03 | 0.05 | 0.01 | -0.02 | -0.03 | 0.18 | 0.09 | 0.39 | -0.03 | -0.01 | -0.01 | -0.02 | 0.06 | -0.03 | 0.03 | -0.08 | -0.03 | -0.05 | 0.08 | -0.07 |
| Employer.Ins6 | -0.19 | 0.03 | -0.04 | 0.11 | 0.03 | 0.02 | -0.07 | -0.08 | 0.02 | -0.05 | -0.04 | 0.02 | -0.01 | 0.02 | 0.00 | -0.02 | -0.11 | 0.08 | -0.09 | -0.07 | -0.01 | -0.04 | 0.00 | 0.03 | -0.03 | -0.02 | 0.11 | 0.00 | 0.07 | -0.03 | -0.02 | -0.15 | -0.54 | -0.09 | -0.01 | -0.06 | -0.02 | -0.02 | 0.04 | 0.04 | -0.05 | -0.10 | -0.01 | -0.04 | 0.02 | -0.02 | -0.01 | -0.05 | 0.00 | 0.02 | -0.11 | 0.10 | -0.02 | -0.24 | -0.05 | -0.04 | -0.01 | 0.01 | -0.05 | -0.12 | -0.06 | 0.00 | -0.06 | 0.19 | 0.10 | 0.08 | 0.07 | 0.12 | 0.05 | -0.02 | 0.07 | 0.03 | 0.14 | 0.03 | -0.02 | -0.01 | -0.02 | -0.04 | 0.10 | -0.07 | -0.06 | -0.02 | 0.05 | 0.04 | -0.10 | -0.07 | 0.07 | 0.04 | -0.09 | -0.03 | 0.06 | -0.03 | -0.11 | 0.22 | 0.00 | -0.07 | 0.11 |
| Savings13 | -0.23 | -0.01 | -0.01 | 0.08 | 0.03 | 0.07 | 0.03 | 0.13 | 0.01 | 0.04 | 0.00 | 0.00 | -0.02 | -0.02 | -0.01 | 0.10 | -0.10 | -0.02 | 0.09 | -0.06 | -0.09 | 0.01 | 0.04 | -0.39 | 0.14 | -0.02 | -0.02 | -0.09 | -0.07 | 0.10 | -0.02 | 0.11 | -0.07 | 0.05 | -0.08 | -0.01 | 0.12 | -0.07 | -0.03 | -0.04 | -0.08 | -0.03 | -0.08 | -0.04 | 0.00 | -0.06 | -0.03 | 0.13 | 0.04 | 0.13 | 0.05 | -0.02 | 0.03 | 0.03 | 0.02 | -0.13 | 0.09 | -0.08 | 0.01 | 0.14 | -0.05 | -0.17 | 0.14 | -0.03 | 0.08 | 0.01 | -0.12 | 0.03 | 0.06 | 0.05 | -0.08 | -0.02 | -0.06 | 0.06 | 0.00 | 0.12 | 0.09 | 0.05 | -0.02 | -0.04 | -0.11 | 0.00 | -0.09 | 0.07 | 0.07 | -0.07 | 0.09 | 0.12 | 0.00 | 0.00 | 0.15 | -0.13 | 0.18 | -0.17 | -0.10 | 0.06 | 0.00 |
| Asset.Type7 | -0.24 | -0.08 | -0.04 | -0.04 | 0.03 | 0.00 | 0.05 | -0.01 | 0.00 | -0.02 | 0.11 | 0.05 | 0.06 | 0.00 | -0.01 | -0.04 | -0.07 | -0.01 | 0.00 | -0.04 | -0.12 | -0.06 | 0.01 | -0.72 | 0.01 | -0.05 | 0.00 | 0.08 | -0.04 | 0.01 | 0.05 | -0.03 | 0.04 | 0.01 | -0.05 | -0.06 | -0.03 | -0.03 | -0.04 | 0.03 | 0.02 | 0.04 | -0.03 | -0.08 | 0.01 | 0.03 | 0.01 | -0.02 | 0.09 | 0.00 | -0.01 | -0.01 | -0.01 | -0.08 | 0.00 | -0.01 | -0.02 | 0.00 | -0.05 | 0.04 | 0.09 | -0.03 | 0.07 | 0.12 | 0.01 | 0.10 | 0.00 | -0.03 | -0.01 | 0.03 | 0.03 | -0.05 | -0.03 | -0.03 | -0.03 | 0.06 | 0.03 | 0.01 | -0.05 | 0.02 | 0.03 | -0.04 | 0.08 | 0.02 | -0.07 | -0.02 | -0.02 | 0.00 | -0.06 | 0.01 | 0.05 | 0.05 | -0.03 | -0.02 | 0.03 | -0.04 | -0.04 |
| Digital.Purchase5 | -0.25 | 0.08 | -0.06 | 0.11 | 0.15 | -0.03 | -0.06 | -0.01 | -0.01 | 0.02 | 0.04 | -0.23 | -0.15 | -0.04 | -0.07 | 0.06 | -0.17 | 0.05 | -0.42 | -0.08 | -0.03 | 0.09 | 0.01 | 0.01 | 0.00 | 0.04 | 0.09 | 0.03 | -0.01 | -0.04 | -0.04 | 0.07 | -0.10 | -0.07 | -0.15 | 0.01 | -0.03 | 0.01 | -0.01 | -0.06 | 0.03 | -0.04 | 0.06 | -0.10 | -0.11 | -0.05 | 0.09 | 0.07 | 0.14 | -0.11 | -0.02 | -0.02 | 0.11 | 0.05 | 0.16 | 0.04 | -0.03 | -0.15 | -0.03 | -0.12 | 0.03 | 0.02 | -0.06 | 0.09 | 0.01 | -0.05 | 0.07 | -0.06 | 0.03 | -0.03 | -0.02 | 0.00 | -0.07 | 0.07 | -0.05 | -0.02 | 0.19 | 0.09 | -0.07 | -0.11 | -0.03 | -0.03 | -0.02 | 0.01 | -0.07 | 0.04 | 0.07 | 0.00 | -0.10 | 0.02 | 0.06 | -0.09 | -0.10 | -0.04 | 0.04 | 0.04 | -0.01 |
To better visualize and interpret the factors we suppress loadings with small values, e.g. with absolute values smaller than 0.5. In this case our factors look as follows after suppressing the small numbers:
| Comp.1 | Comp.2 | Comp.3 | Comp.4 | Comp.5 | Comp.6 | Comp.7 | Comp.8 | Comp.9 | Comp.10 | Comp.11 | Comp.12 | Comp.13 | Comp.14 | Comp.15 | Comp.16 | Comp.17 | Comp.18 | Comp.19 | Comp.20 | Comp.21 | Comp.22 | Comp.23 | Comp.24 | Comp.25 | Comp.26 | Comp.27 | Comp.28 | Comp.29 | Comp.30 | Comp.31 | Comp.32 | Comp.33 | Comp.34 | Comp.35 | Comp.36 | Comp.37 | Comp.38 | Comp.39 | Comp.40 | Comp.41 | Comp.42 | Comp.43 | Comp.44 | Comp.45 | Comp.46 | Comp.47 | Comp.48 | Comp.49 | Comp.50 | Comp.51 | Comp.52 | Comp.53 | Comp.54 | Comp.55 | Comp.56 | Comp.57 | Comp.58 | Comp.59 | Comp.60 | Comp.61 | Comp.62 | Comp.63 | Comp.64 | Comp.65 | Comp.66 | Comp.67 | Comp.68 | Comp.69 | Comp.70 | Comp.71 | Comp.72 | Comp.73 | Comp.74 | Comp.75 | Comp.76 | Comp.77 | Comp.78 | Comp.79 | Comp.80 | Comp.81 | Comp.82 | Comp.83 | Comp.84 | Comp.85 | Comp.86 | Comp.87 | Comp.88 | Comp.89 | Comp.90 | Comp.91 | Comp.92 | Comp.93 | Comp.94 | Comp.95 | Comp.96 | Comp.97 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| NonLiquid.Assets | 0.81 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Liquid.Assets | 0.79 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual.Income | 0.76 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Asset.Type5 | 0.64 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Percentage.Savings | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Asset.Type2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Savings9 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Own2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Asset.Type4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Age | -0.50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Asset.Type6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Asset.Type3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Marital | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online.Purchase2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Own2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Digital.Purchase4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Fin.Attitude6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Media3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Needs1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.wo.CB1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Own5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Lack2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Media2 | 0.7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purc.Trig10 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Lifestyle11 | 0.65 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online.Purchase9 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Savings6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Media1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Employer.Ins3 | 0.75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gender | 0.74 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Lifestyle4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Dec.Making5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online.Purchase6 | 0.67 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Own5 | 0.72 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Lifestyle3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Media14 | 0.50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purc.Trig12 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online.Purchase8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Needs6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Needs9 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Lifestyle1 | 0.73 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Needs5 | 0.58 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands16 | 0.58 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Employer.Ins2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| InvIns.SalesChan4 | 0.64 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.SalesChan3 | 0.76 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| InsChoice.Driver8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Needs3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Own4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Employer.Ins1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Res6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Children | 0.75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Savings4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Savings7 | 0.7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Savings11 | 0.69 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Media4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands13 | 0.69 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purc.Trig3 | 0.76 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Lack1 | 0.62 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Service6 | 0.73 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Res2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Savings1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Asset.Type1 | 0.65 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Lifestyle6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Lifestyle9 | 0.78 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Dec.Making4 | 0.74 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online.Purchase10 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Media7 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Needs1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands18 | 0.50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Own1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Own4 | 0.72 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Lack2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Digital.Purchase3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.SalesChan4 | 0.77 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Switch.Drivers14 | 0.76 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Lifestyle7 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Dec.Making6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online.Purchase1 | 0.64 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Media12 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Media13 | 0.51 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Needs4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Needs7 | 0.62 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Res7 | 0.80 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Digital.Purchase1 | 0.71 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Fin.Attitude5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Media10 | 0.53 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| DataSharing.Attitude3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Needs2 | 0.69 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Service7 | -0.52 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands15 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Own9 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purc.Trig4 | 0.77 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purc.Trig8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Res6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.SalesChan6 | 0.78 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Switch.Drivers5 | 0.64 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Savings3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Media5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Media16 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Needs10 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands20 | 0.50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purc.Trig11 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Res2 | 0.60 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Digital.Purchase2 | 0.69 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.SalesChan3 | 0.66 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Fin.Attitude3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Media15 | 0.78 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| DataSharing.Attitude1 | 0.72 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands11 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands14 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands17 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Employer.Ins4 | 0.66 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Lack7 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Lack8 | 0.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Res4 | 0.66 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Res7 | 0.82 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online.Purchase4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Media11 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Risk.Appetite | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Inv.Behaviour3 | -0.75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Inv.Behaviour5 | 0.79 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Needs5 | 0.71 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purc.Trig9 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Res4 | 0.76 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| InsChoice.Driver5 | 0.8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Switch.Drivers1 | 0.74 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Lifestyle8 | 0.74 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Fin.Attitude1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online.Purchase5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Service1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Employer.Ins5 | 0.65 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purc.Trig6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Lack9 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Res9 | 0.68 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.SalesChan1 | 0.79 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.SalesChan5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Switch.Drivers7 | 0.79 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Savings2 | 0.77 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Lifestyle5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Media8 | 0.67 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Service2 | 0.79 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands19 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purc.Trig7 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Lack5 | 0.69 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Lack6 | 0.64 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Lack8 | -0.77 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Res3 | 0.80 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Res9 | 0.77 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.SalesChan2 | 0.78 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.SalesChan4 | 0.72 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Switch.Drivers6 | 0.76 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Switch.Drivers10 | 0.79 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Switch.Drivers15 | 0.79 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online.Freq | 0.94 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Media6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Needs11 | 0.58 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Own6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Own7 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Own8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Own3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Lack3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Lack5 | 0.55 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Res3 | 0.78 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| InvIns.SalesChan2 | 0.80 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| InvIns.SalesChan6 | 0.60 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Other.Family | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Lifestyle10 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Needs8 | 0.57 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Needs3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Service10 | 0.8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Service11 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands10 | 0.50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Own1 | 0.80 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| InvIns.SalesChan3 | 0.69 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| InsChoice.Driver3 | 0.76 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| InsChoice.Driver7 | 0.8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Switch.Drivers12 | 0.72 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Dec.Making2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Dec.Making7 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| SocialMedia.Freq | 0.77 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Service3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purc.Trig5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Lack4 | 0.59 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Lack10 | 0.81 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Res5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Savings15 | 0.84 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NoIns.Rea4 | 0.81 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Lack4 | 0.54 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Res10 | 0.82 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Switch.Drivers2 | 0.82 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Savings8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online.Purchase7 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands7 | 0.74 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands9 | 0.64 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Own6 | 0.57 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purc.Trig1 | 0.7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Res10 | 0.81 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.SalesChan6 | 0.76 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| InsChoice.Driver2 | 0.8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Switch.Drivers16 | 0.79 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Savings5 | 0.75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Inv.Behaviour2 | 0.79 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Lack6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.SalesChan2 | 0.70 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| InvIns.SalesChan5 | 0.79 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| InsChoice.Driver1 | 0.72 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| InsChoice.Driver11 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Switch.Drivers13 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Savings10 | 0.79 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Inv.Behaviour1 | -0.83 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Needs8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands8 | 0.59 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands12 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands21 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Lack7 | 0.78 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Fin.Attitude4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Dec.Making3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Media9 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Media17 | 0.8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Needs6 | 0.77 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Brands1 | 0.74 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Res1 | 0.59 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Res11 | 0.80 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Res11 | 0.86 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.SalesChan5 | 0.76 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| InvIns.SalesChan1 | 0.77 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Dec.Making1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online.Purchase11 | -0.94 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| DataSharing.Attitude5 | -0.77 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Needs2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Needs12 | 0.96 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Needs4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Needs7 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Needs9 | 0.96 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Own3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NoIns.Rea1 | -0.82 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NoIns.Rea5 | 0.8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NoIns.Rea9 | -0.83 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purc.Trig13 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Res1 | 0.55 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| InsChoice.Driver6 | 0.76 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Switch.Drivers3 | 0.77 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Switch.Drivers8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Switch.Drivers11 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Service4 | 0.79 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Service5 | 0.74 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Own7 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purc.Trig14 | 0.78 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Res5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Res8 | 0.64 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.SalesChan7 | 0.81 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| InsChoice.Driver9 | -0.78 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Switch.Drivers9 | 0.82 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| DataSharing.Attitude4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Own10 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Own8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NoIns.Rea2 | 0.81 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Lack1 | 0.68 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Lack3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| InsChoice.Driver4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Switch.Drivers4 | 0.77 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Lifestyle2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Media18 | 0.8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NoIns.Rea8 | 0.66 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.SalesChan1 | 0.68 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Savings12 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online.Purchase3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| DataSharing.Attitude2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Service9 | 0.73 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Own9 | -0.64 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purc.Trig2 | 0.78 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Lack11 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gen.Res8 | 0.70 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.wo.CB2 | -0.84 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Own12 | -0.74 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Asset.Type8 | 0.57 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Inv.Behaviour4 | 0.54 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Switch.Drivers17 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Parents | 0.77 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.Service8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| InsChoice.Driver10 | -0.74 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Savings14 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Fin.Attitude2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| L.H.Own11 | -0.74 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ins.wo.CB3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Employer.Ins6 | -0.54 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Savings13 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Asset.Type7 | -0.72 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Digital.Purchase5 |
After shortlisting the 10 factors based on the principal component analysis, we will try to define the factors based on the characteristics that are there in each factor.
Component 1 (factor 1) consists of average monthly hours, last evaluation completed, number of projects completed and time spent in the firm. We will call this factor “Involvement” of an employee in the firm.
Component 2 (factor 2) consists of time spent in the firm and satisfaction level. We will call this factor “firm’s contribution to employee satisfaction”.
Component 3 (factor 3) consists of technical department and a support department (with negative weightage). We will call this factor “Technical department sans support function”.
Component 4 (factor 4) defines employee belonging to “IT department”.
Component 5 (factor 5) consists of Management department in the firm and number of promotions. This will signify “Promotions in Management”.
Component 6 (factor 6) defines employee not belonging to Human Resources and will call “Non-HR”.
Component 7 (factor 7) defines employee belonging to “Accounting”.
Component 8 (factor 8) defines employee belonging to “Marketing”.
Component 9 (factor 9) defines employee belonging to “Product Management”.
Component 10 (factor 10) defines employee belonging to “R&D”.
Part 2: Customer Segmentation
Step 1. Select Segmentation Variables
The segementation variables chosen are based on the highest weights observed in the 10 components from the factor analysis 1) last evaluation 2) average monthly hours 3) departments of accounting, hr, support, management, IT, product management, marketing and R&D
Step 2: Define similarity measure
Using the euclidean distance metric as a measure, we used that ot define the differences in the observations of the profile of the employees.
| Obs.01 | Obs.02 | Obs.03 | Obs.04 | Obs.05 | Obs.06 | Obs.07 | Obs.08 | Obs.09 | Obs.10 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Obs.01 | 0 | |||||||||
| Obs.02 | 2 | 0 | ||||||||
| Obs.03 | 1 | 2 | 0 | |||||||
| Obs.04 | 1 | 3 | 2 | 0 | ||||||
| Obs.05 | 1 | 2 | 2 | 1 | 0 | |||||
| Obs.06 | 2 | 2 | 2 | 2 | 2 | 0 | ||||
| Obs.07 | 3 | 3 | 3 | 4 | 4 | 3 | 0 | |||
| Obs.08 | 2 | 2 | 1 | 2 | 2 | 1 | 3 | 0 | ||
| Obs.09 | 2 | 1 | 1 | 2 | 2 | 2 | 3 | 1 | 0 | |
| Obs.10 | 3 | 3 | 2 | 3 | 3 | 3 | 2 | 3 | 3 | 0 |
Step 3: Visualize Pair-wise Distances
Below shows histogram of all pairwise distances for the euclidean distance:
Step 4: Method and Number of Segments
Below we have the dendogram of our Hierachical Clustering of our data.
Displayed also is a plot of the distances of travelled for the points.
We chose 3 segements to segregate our dataset.
Here is the segment membership of the first 10 respondents if we use hierarchical clustering:
| Observation Number | Cluster_Membership |
|---|---|
| 1 | 1 |
| 2 | 2 |
| 3 | 1 |
| 4 | 1 |
| 5 | 1 |
| 6 | 1 |
| 7 | 3 |
| 8 | 2 |
| 9 | 2 |
| 10 | 3 |
while this is the segment membership if we use k-means:
| Observation Number | Cluster_Membership | |
|---|---|---|
| 1 | 1 | 2 |
| 2 | 2 | 3 |
| 4 | 3 | 2 |
| 5 | 4 | 2 |
| 7 | 5 | 2 |
| 9 | 6 | 3 |
| 12 | 7 | 1 |
| 14 | 8 | 3 |
| 15 | 9 | 3 |
| 16 | 10 | 1 |
Step 5: Profile and interpret the segments
The table below uses the 10 variables to segment employees by showing the average of all the input variables in each segment of employee compared to the ratio of the average of all the employees using the ratio of the two.
| Population | Seg.1 | Seg.2 | Seg.3 | |
|---|---|---|---|---|
| Gender | 1.56 | 1.61 | 1.50 | 1.58 |
| Marital | 1.68 | 1.84 | 1.47 | 1.75 |
| Children | 2.32 | 3.39 | 1.29 | 2.30 |
| Parents | 2.01 | 1.96 | 1.99 | 2.09 |
| Other.Family | 2.48 | 2.62 | 2.40 | 2.42 |
| Annual.Income | 8.61 | 9.07 | 7.46 | 9.44 |
| Percentage.Savings | 3.86 | 3.68 | 3.99 | 3.90 |
| Liquid.Assets | 6.08 | 6.15 | 5.34 | 6.87 |
| NonLiquid.Assets | 5.37 | 5.62 | 4.55 | 6.04 |
| Change | 6.11 | 5.35 | 5.27 | 7.95 |
| Savings1 | 0.44 | 0.42 | 0.45 | 0.46 |
| Savings2 | 0.13 | 0.12 | 0.11 | 0.16 |
| Savings3 | 0.24 | 0.28 | 0.17 | 0.29 |
| Savings4 | 0.18 | 0.16 | 0.17 | 0.19 |
| Savings5 | 0.08 | 0.04 | 0.09 | 0.13 |
| Savings6 | 0.27 | 0.32 | 0.18 | 0.33 |
| Savings7 | 0.21 | 0.20 | 0.26 | 0.18 |
| Savings8 | 0.21 | 0.15 | 0.24 | 0.24 |
As can be seen from the segmentation, broadly the defining variable for each of the segment is the number of hours spent in the company and the number of projects undertaken, this has led to the formation of 3 distinct segments with distinct identities.
The snake plot for the 3 segments across the 19 variables on the basis of the means of each variable across each independent segment highlights the critical variables where the 3 segments of employees differ in their behavior, Time Spent in Company, Number of Projects, Average Monthly hours and Last evaluation
On comparing the average of each of the profiling variable of each of the segment against the mean of the population for each variable, we get that all 3 segments are inherently distinct, with segment 1 standing for employees who spent the least time in the company, segment 2 stands for employees who undertook the maximum projects as compared to the population mean and segment 3 stands for employees with the least number of promotions as compared to the population
| Seg.1 | Seg.2 | Seg.3 | |
|---|---|---|---|
| Gender | 0.03 | -0.04 | 0.01 |
| Marital | 0.09 | -0.13 | 0.04 |
| Children | 0.46 | -0.44 | -0.01 |
| Parents | -0.02 | -0.01 | 0.04 |
| Other.Family | 0.06 | -0.03 | -0.02 |
| Annual.Income | 0.05 | -0.13 | 0.10 |
| Percentage.Savings | -0.05 | 0.04 | 0.01 |
| Liquid.Assets | 0.01 | -0.12 | 0.13 |
| NonLiquid.Assets | 0.05 | -0.15 | 0.12 |
| Change | -0.12 | -0.14 | 0.30 |
| Savings1 | -0.05 | 0.01 | 0.05 |
| Savings2 | -0.03 | -0.17 | 0.23 |
| Savings3 | 0.16 | -0.31 | 0.18 |
| Savings4 | -0.08 | -0.01 | 0.10 |
| Savings5 | -0.56 | 0.12 | 0.50 |
| Savings6 | 0.18 | -0.34 | 0.20 |
| Savings7 | -0.07 | 0.21 | -0.17 |
| Savings8 | -0.26 | 0.14 | 0.13 |
Hence, through this robust segmentation exercise, the employees who left the organization can broadly be divided into 3 segments, Segment 1 – Employees who spent the least time in the organization, Segment 2 – Employees who undertook the maximum projects in the year and spent the highest average monthly hours in the company, and Segment 3 – Employees who had the least number of promotions in the group in the last 5 years
Conclusion
Our analysis revealed three key segments in the company. These include Segment 1 – Employees who spent the least time in the organization, Segment 2 – Employees who undertook the maximum projects in the year and spent the highest average monthly hours in the company, and Segment 3 – Employees who had the least number of promotions in the group in the last 5 years. These segments represent the three profiles that describe employees who have left the firm.
Based on our analysis, we cannot conclude with absolute certainty that employees who match one or more of these three profiles will leave the firm. Instead, we would recommend the following actions to gain further insight into attrition:
HR could consider monitoring current employees who match one or more of these segment profiles. This would help managers look for and recognize early signs related to an employee’s desire to leave the firm. Being prepared to persuade the employee to stay could empower managers to retain their staff. Therefore, the results of this study may allow HR to play a more proactive supporting role in retaining employees.
The firm may also want to examine the turnover patterns across departments. The current data analysis does not provide detail needed below the departments, but it is interesting that HR and sales appear to have higher attrition as compared to other departments at the firm. Perhaps staff interviews or gathering more department specific data to analyze would be helpful.
Further study is needed to complement the findings in this study and understand the drivers behind why employees choose to leave the firm. For example, perhaps further analysis complemented with interviews will reveal that instituting new policies around work/life balance would reduce turnover, if burnout is a common cause for an employee to leave the firm.
Should the company want to iterate upon this initial study, increasing the number of factors in subsequent analysis would improve accuracy and the level of detail available to describe patterns related to the firm’s attrition.