Table 2: Descriptive statistics ( ).

Male Female
VariableMeanStd. Dev.MeanStd. Dev.

Endogenous variables
Smoker0.31920.46620.25520.4360
Alcohol0.25390.43530.07400.2618
Obesity0.17180.37730.16720.3732
Health0.57480.49440.55730.4968

Predisposing variables
Age 30–440.30440.46020.29210.4548
Age 45–590.25610.43650.26110.4393
Age 60–740.22360.41670.20590.4044
Age >740.06990.25510.08190.2742
Partnership0.73280.44250.68300.4653
Children0.27960.44880.29800.4574
Eastern Germany0.28510.45150.27960.4489
Turkey0.03460.18280.02730.1629
Rest of World0.05030.21870.05130.2206

Socioeconomic variables
Rel. poverty0.08330.27630.10670.3088
Tenous prosperity0.21010.40740.24380.4294
Higher income0.10070.30090.09020.2864
Rel. prosperity0.14160.34870.11350.3173
Economic worries0.24780.43180.26170.4396
Retired0.19630.39700.20650.4050
Unemployed0.02960.16930.03230.1768
Working h. 1–210.01940.13780.11550.3196
Working h. 22–420.28970.45370.26850.4432
Working h. >420.29160.45460.09670.2956
O-level0.28940.45360.33880.4734
High school0.10870.31130.12250.3279
University0.21400.41010.15700.3638
Education0.07480.26310.08490.2788
Private health ins.0.14980.35690.08190.2742
Supplemental ins.0.11300.31670.13770.3447
Risk averse0.23640.42500.35580.4788
Risk taker0.29620.45660.18140.3854
Renovation0.27730.44770.27940.4488
Mother O-level0.22700.41890.24410.4296
Father O-level0.25560.43620.26570.4417