Table 3.

Means, standard deviations, square root of AVE, and correlations.

	Mean	S.D.	1	2	3	4	5	6	7	8	9	10	11	12	13
1. National consumer confidence	4.72	2.05	0.90
2. Personal consumer confidence	5.64	1.50	0.54**	0.77
3. Perceived financial vulnerability	3.85	2.15	−0.26**	−0.41**	0.86
4. Price conscious behavior	4.23	1.63	−0.16**	−0.20**	0.37**	0.89
5. ELOC – Chance control	3.50	1.40	−0.13**	0.05	0.21**	0.39**	0.74
6. ELOC – Control by powerful others	3.20	1.60	0.07*	0.02	0.13**	0.34**	0.73**	0.86
7. Trait optimism	5.10	1.27	0.34**	0.41**	−0.40**	−0.15**	−0.15**	−0.15**	0.82
8. Conscientiousness	5.53	1.20	0.05	0.04	−0.04	0.18**	0.10*	0.08*	0.25**	0.82
9. Age	47.70	15.96	−0.17**	−0.25**	−0.18**	−0.12**	−0.31**	−0.18**	0.02	−0.09**	–
10. Gender	0.52	0.50	−0.01	0.02	0.13**	0.08**	0.06	−0.06*	0.00	0.06*	0.24**	–
11. Education	0.41	0.49	0.12**	0.07*	−0.18**	−0.09**	0.02	0.06*	0.01	−0.07*	0.06*	0.06*	–
12. Employment status	0.11	0.31	−0.02	−0.10**	0.27**	0.09**	0.10**	0.01	−0.11**	0.03	−0.14**	0.09**	−0.15**	–
13. Credit card debt	$2,199	$4,555	−0.01	−0.02	0.06*	0.13**	0.10**	0.13**	−0.02	−0.06*	0.07*	−0.02	0.06*	−0.02	–
14. Income	$58,674	$38,421	0.10**	0.11**	−0.25**	−0.19**	−0.04	−0.02	0.11**	−0.08*	0.06*	−0.09**	0.26**	−0.12**	0.07*

Notes: Square root of average variance extracted on the diagonal; inter-construct correlations below diagonal; * p < .05, ** p < .001; ELOC = external locus of control.