Age Groups, interaction with sex category PLUS Education 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*(EDUC=1)+...+A_Q4*(EDUC=4)

TOBIT ESTIMATION
      Dependent variable: CON1

  Number of observations = 456  Schwarz B.I.C. = 1466.50
 Number of positive obs. = 331  Log likelihood = -1417.52
 Fraction of positive obs. =    0.725877    

                           Standard
 Parameter   Estimate        Error       t-statistic   P-value
 WIN1SEXMA1  .179029       .101405       1.76549       [.077]
 WIN1SEXMA2  .529226       .105050       5.03784       [.000]
 WIN1SEXMA3  .141225       .028288       4.99237       [.000]
 WIN1SEXMA4  .297322       .077605       3.83121       [.000]
 WIN1SEXMA5  .488893       .166660       2.93348       [.003]
 WIN1SEXMA6  .759230       .127423       5.95833       [.000]
 WIN1SEXFA1  .325960       .248006       1.31432       [.189]
 WIN1SEXFA2  .563832       .104877       5.37615       [.000]
 WIN1SEXFA3  .252213       .092911       2.71457       [.007]
 WIN1SEXFA4  .305257       .072690       4.19943       [.000]
 WIN1SEXFA5  .470958       .123174       3.82353       [.000]
 WIN1SEXFA6  -.145761      .206348       -.706384      [.480]
 EDUC1       3.56274       1.58335       2.25013       [.024]
 EDUC2       1.83469       1.13463       1.61700       [.106]
 EDUC3       2.61432       1.34402       1.94516       [.052]
 EDUC4       5.43635       2.34861       2.31471       [.021]
 SIGMA       12.1693       .507067       23.9994       [.000]

 Standard Errors computed from   analytic second derivatives 
 (Newton)

                                      dP/dX

                        0             1 
 WIN1SEXMA1    -0.0045410     0.0045410 
 WIN1SEXMA2     -0.013424      0.013424 
 WIN1SEXMA3    -0.0035821     0.0035821 
 WIN1SEXMA4    -0.0075415     0.0075415 
 WIN1SEXMA5     -0.012401      0.012401 
 WIN1SEXMA6     -0.019258      0.019258 
 WIN1SEXFA1    -0.0082679     0.0082679 
 WIN1SEXFA2     -0.014301      0.014301 
 WIN1SEXFA3    -0.0063973     0.0063973 
 WIN1SEXFA4    -0.0077427     0.0077427 
 WIN1SEXFA5     -0.011946      0.011946 
 WIN1SEXFA6     0.0036972    -0.0036972 
 EDUC1          -0.090368      0.090368 
 EDUC2          -0.046536      0.046536 
 EDUC3          -0.066311      0.066311 
 EDUC4           -0.13789       0.13789