Table 3.

Logistic regression results using age or delay discounting and one other baseline variable to predict IVR call frequency (frequent or infrequent)

		Age			BV				Discounting (log k)			BV
Baseline variable (BV)	r	OR	95% C	p	OR	95% C	p	r	OR	95% CI	p	OR	95% CI	p
Male gender	.063	2.668	1.39, 5.14	.003	3.363	1.09, 10.38	.035	−.217	0.629	0.37, 1.08	.095	2.586	0.86, 7.76	.090
Married	.363	2.427	1.25, 4.71	.009	1.732	0.57, 5.24	ns	−.190	0.569	0.33, 0.97	.039	2.628	0.92, 7.54	.072
Current tobacco use	−.271	2.584	1.27, 5.25	.009	0.182	0.05, 0.65	.009	.236	0.599	0.34, 1.07	.082	0.190	0.06, 0.62	.006
Pre-resolution income	.099	2.459	1.28, 4.71	.007	1.989	0.95, 4.16	.068	−.150	0.612	0.35, 1.07	.084	1.998	0.95, 4.18	.066
Proportion DE on savings	.063	2.485	1.28, 4.81	.007	2.133	0.83, 5.49	ns	−.168	0.058	0.33, 1.00	.050	2.298	0.87, 6.04	.092
Discounting rate (log k)	−.035	2.683	1.42, 5.07	.002	0.520	0.29, 0.94	.030	--------------------------------------------------------------------------

Note. Reference group was infrequent callers (< 70% of IVR days). Continuous predictor variables were z-transformed to allow direct comparisons among adds ratios (OR) adjusted to indicate a one standard deviation change in the predictor variable; dichotomous variables were not z-transformed. P-values are for the associated 95% confidence intervals (CI). DE = sum of dollars spent in pre-resolution year on discretionary commodities (e.g., entertainment, alcoholic beverages, tobacco, gifts, savings; see text); the proportion of DE spent on alcoholic beverages (A/DE) or put into savings (S/DE) could vary from 0 (no spending) to 1.0 (all discretionary spending allocated to either alcohol or savings).