Table 4.

The discriminant validity tests.

The Fornell-Larker criterion								Heterotrait-Monotrait ratio (HTMT)
	AFN	ALT	COM	ENT	FNS	IS	ISK	AFN	ALT	COM	ENT	FNS	IS
AFN	0.858
ALT	0.332	0.825						0.453
COM	0.283	0.373	0.900					0.639	0.321
ENT	0.283	0.558	0.361	0.872				0.768	0.547	0.517
FNS	0.473	0.504	0.603	0.289	0.890			0.593	0.767	0.613	0.641
IS	0.283	0.616	0.496	0.336	0.512	0.780		0.736	0.761	0.567	0.787	0.708
ISK	0.283	0.601	0.392	0.336	0.144	0.208	0.840	0.749	0.542	0.623	0.793	0.570	0.732