Demographics	Online Opportunity		Online Risk		Digital Literacy
	r	R2	r	R2	r	R2
Age	.111*	.012*	.090	.008	.151**	.023**
Gender	.040	.002	.005	.000	.049	.002
Education	.101*	.010*	.036	.001	.115*	.013*
Expenses	.212**	.045**	.114*	.013*	.148**	.022**
Occupation	.007	.000	.097*	.009*	.136**	.019