求翻译：The independent variables used in the logistic regression modelling were faculty or major discipline of study (MAJ), sex, household type (FAM), age, education (EDU), usual occupation (OCC), current employment status (WORK), workforce experience (EXP), income (INC) and risk preference (RSK). Table 6 indicates how the variables were constructed and their a priori expected signs. Most of the variables are expected a priori to have positive signs, i.e. the higher the level of education gained, the higher the expected level of financial literacy. For sex and WORK, however, it is not possible to have a prior expectation of the sign of the variable. Moreover, the risk preference questions were scored so that less risk-averse respondents scored lower in aggregate than more risk-averse people. A negative sign of this variable is thus expected. People with high aggregate risk preference scores are likely to have less experience, knowledge and confidence in financial matters. Thus, a high score in this factor will tend to depress the financial skills and knowledge score.是什么意思？

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