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7). In multiple regression of risky choice inconsistencies, however, numeracy accounted for the effects of Cognitive Reflection [coefficients for numeracy, Calculation, and Cognitive Reflection were b = ?0.77, p [http://en.wikipedia.org/wiki/SKAP1 SKAP1] However, when numeracy and Calculation were added as predictors, Cognitive Reflection (b = ?0.02, p = 0.91) and Calculation (b = 0.17, p = 0.27) became non-significant, whereas numeracy remained significant [b = 2.36, p [http://www.selleckchem.com/products/CP-724714.html Selleckchem CP-724714] more education, greater income, younger age, and being male were correlated with greater Cognitive Reflection, Calculation, and numeracy. These potentially confounding variables were also correlated with decision biases and financial outcomes, possibly explaining the effects reported above. Thus, we conducted stepwise regressions to determine whether Cognitive Reflection and/or numeric ability retained independent predictive power above and beyond these variables. Stepwise regressions For both composites, we conducted a stepwise regression, adding variables in the following order: (1) gender, age, education, income, (2) intelligence composite, (3) Cognitive Reflection, (4) Calculation, and (5) numeracy. Full regression [http://www.selleckchem.com/Smoothened-(Smo).html Selleck Hedgehog inhibitor] results are available in Table ?Table8.8. In predictions of the decision-bias composite, demographic variables made little difference with the exception of greater income predicting fewer decision biases [model F(4, 929) = 4.9, p