Age Groups, interaction with sex category PLUS Quarterly dummies, i.e.: MODEL: CON1= A_M_A1*WIN1*(SEX=M)*(AGE_GROUP=1) + ...+A_M_A6*WIN1*(SEX=M)*(AGE_GROUP=6)+ A_F_A1*WIN1*(SEX=F)*(AGE_GROUP=1) + ... +A_F_A6*WIN1*(SEX=F)*(AGE_GROUP=6)+ A_Q1*(Quarter=1)+...+A_Q4*(Quarter=4) Number of observations = 450 E'PZ*E = .100194E-31 Standard Parameter Estimate Error t-statistic P-value A_M_A1 .322359 .200009 1.61172 [.107] A_M_A2 .581683 .113265 5.13561 [.000] A_M_A3 .139020 .025758 5.39719 [.000] A_M_A4 .296810 .210797 1.40803 [.159] A_M_A5 .458140 .152148 3.01115 [.003] A_M_A6 .732598 .145706 5.02792 [.000] A_F_A1 .597768 .299642 1.99494 [.046] A_F_A2 .652515 .149239 4.37227 [.000] A_F_A3 .254923 .187889 1.35678 [.175] A_F_A4 .321425 .154805 2.07632 [.038] A_F_A5 .487540 .159249 3.06149 [.002] A_F_A6 .367604 .115584 3.18041 [.001] A_Q1 7.03298 1.47296 4.77473 [.000] A_Q2 6.48880 1.55279 4.17880 [.000] A_Q3 4.98964 1.30562 3.82167 [.000] A_Q4 5.42654 1.34961 4.02082 [.000] L -9.32592 4.88831 -1.90780 [.056] Standard Errors computed from heteroscedastic-consistent matrix (Robust-White) Dependent variable: CON1 Mean of dep. var. = 10.4913 Std. error of regression = 9.49024 Std. dev. of dep. var. = 11.2115 R-squared = .309714 Sum of squared residuals = 38998.0 Adjusted R-squared = .284207 Variance of residuals = 90.0646 Durbin-Watson = 1.80743 [<.149]