求翻译：Cragg-Uhler R2 value for the first model is more acceptable and, as can be seen from the table, this model has five independent variables, major, sex, occupation, experience and risk preference, which impact significantly on the dependent variable. This model suggests that studying business disciplines, being male, working at a more highly skilled occupation and having more work experience will impact positively on financial knowledge and skills. Similarly, being less risk averse will not decrease financial literacy scores as much as being more risk averse does.是什么意思？

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