.lb Cred.ub</span>
<span class="r-out co"><span class="r-pr">#&gt;</span> (Intercept)               1.057   0.130   0.806   1.297</span>
<span class="r-out co"><span class="r-pr">#&gt;</span> gender                   -0.513   0.060  -0.628  -0.399</span>
<span class="r-out co"><span class="r-pr">#&gt;</span> as.factor(education)2     0.131   0.118  -0.094   0.355</span>
<span class="r-out co"><span class="r-pr">#&gt;</span> as.factor(education)3    -0.125   0.097  -0.316   0.044</span>
<span class="r-out co