Table 3.

Discriminant validity

	Fornell–Larcker criterion				Heterotrait–Monotrait ratio (HTMT)
	CRE	CRI	RES	SMI	CRE	CRI	RES	SMI
CRE	0.729
CRI	0.439	0.767			0.598447
RES	0.501	0.381	0.742		0.627216	0.457059
SMI	0.52	0.388	0.55	0.763	0.705608	0.498258	0.672945