Table 5.

Results of discriminant validity.

Construct	AVE	N	ATT	SN	PBC	IN	URN
N	0.756	0.869
ATT	0.659	0.592	0.812
SN	0.612	0.69	0.718	0.782
PBC	0.633	0.634	0.669	0.694	0.796
IN	0.651	0.623	0.706	0.664	0.697	0.803
URB	0.645	0.788	0.386	0.686	0.713	0.723	0.807

Note: N = normlessness; ATT = underestimate risk attitude; SN = subjective norm; PBC = perceptual behavior control; IN = underestimate risk intention; URB = underestimate risk behavior; AVE= average variance extracted.