MODEL: CON1=A_M*WIN1*(SEX=M) + A_F*WIN1*(SEX=F)+ 
A_Q1*(Quarter=1)+...+A_Q4*(Quarter=4)

                                      TOBIT ESTIMATION
      Dependent variable: CON1
  Number of observations = 456  Schwarz B.I.C. = 1454.00
 Number of positive obs. = 331  Log likelihood = -1435.63
 Fraction of positive obs. =    0.725877    

                          Standard
 Parameter  Estimate        Error       t-statistic   P-value
 WIN1SEXM   .180145       .027437       6.56570       [.000]
 WIN1SEXF   .235262       .054015       4.35548       [.000]
 Q1         7.15785       1.55970       4.58926       [.000]
 Q2         6.60287       1.38879       4.75440       [.000]
 Q3         4.72143       1.44589       3.26542       [.001]
 Q4         3.94215       1.31873       2.98935       [.003]
 SIGMA      12.9734       .536271       24.1919       [.000]

 Standard Errors computed from   analytic second derivatives 
 (Newton)

                                      dP/dX

                      0             1 
 WIN1SEXM    -0.0044238     0.0044238 
 WIN1SEXF    -0.0057773     0.0057773 
 Q1            -0.17578       0.17578 
 Q2            -0.16215       0.16215 
 Q3            -0.11594       0.11594 
 Q4           -0.096808      0.096808