Table 3.

Total and Gender Stratified Estimates (age and education adjusted) of effects of financial hardship on mean GAD scores according to the critical period hypothesis (95% CI). Total (n = 18,718), Men (n = 7,246) and women (n = 11,472). The BBC Stress Test.

	Total	Male	Female
	(95% CI)	(95% CI)	(95% CI)
Model 1. Childhood financial hardship	0.82 (0.63 1.01)	0.77 (0.47 1.08)	0.72 (0.48 0.96)
Model 2. Adulthood financial hardship	0.83 (0.68 0.99)	0.64 (0.37 0.92)	0.83 (0.65 1.02)
Model 3. Both Childhood + Adulthood financial hardship
Childhood financial hardship	0.77 (0.58 0.95)	0.68 (0.56 1.17)	0.72 (0.49 0.96)
Adulthood financial hardship	0.72 (0.57 0.87)	0.48 (0.21 0.76)	0.73 (0.55 0.92)
Observations	18,718	7,246	11,472

*All estimates presented are statistically significant at p < 0.01.