Table 2.

Experimental conditions. + refers to the presence of the factor and – refers to the absence of the factor.

Experimental condition	Factor 1: anticipated regret	Factor 2: material incentive	Factor 3: problem solving
1	–	–	–
2	+	–	–
3	–	+	–
4	–	–	+
5	+	+	–
6	+	–	+
7	–	+	+
8	+	+	+