Multiple Linear Regression - Estimated Regression Equation

Member[t] = + 1.08303758464254 + 0.0762639060674089Provision[t] + 0.069728040161896Illness[t] + e[t]

Multiple Linear Regression - Ordinary Least Squares
Variable	Parameter	S.D.	T-STAT H0: parameter = 0	2-tail p-value	1-tail p-value
(Intercept)	1.08303758464254	0.201833	5.366	0	0
Provision	0.0762639060674089	0.027323	2.7912	0.005917	0.002958
Illness	0.069728040161896	0.117296	0.5945	0.553077	0.276538

Multiple Linear Regression - Regression Statistics
Multiple R	0.222116181409657
R-squared	0.0493355980440077
Adjusted R-squared	0.0369893071095143
F-TEST (value)	3.99598537777629
F-TEST (DF numerator)	2
F-TEST (DF denominator)	154
p-value	0.0203281030586162
Multiple Linear Regression - Residual Statistics
Residual Standard Deviation	0.489341530112215
Sum Squared Residuals	36.8760904962548

Multiple Linear Regression - Actuals, Interpolation, and Residuals
Time or Index	Actuals	Interpolation Forecast	Residuals Prediction Error
1	2	1.53408515514144	0.465914844858558
2	1	1.45782124907406	-0.457821249074063
3	1	1.68661296727630	-0.686612967276297
4	1	1.68661296727629	-0.686612967276294
5	2	1.53408515514148	0.465914844858524
6	2	1.53408515514148	0.465914844858524
7	1	1.45782124907407	-0.457821249074067
8	2	1.52754928923596	0.472450710764038
9	1	1.61034906120889	-0.610349061208885
10	2	1.53408515514148	0.465914844858524
11	1	1.22902953087184	-0.229029530871840
12	2	1.53408515514148	0.465914844858524
13	1	1.52754928923596	-0.527549289235962
14	2	1.61034906120888	0.389650938791115
15	2	1.68661296727629	0.313387032723706
16	2	1.68661296727629	0.313387032723706
17	1	1.30529343693925	-0.305293436939249
18	1	1.61034906120889	-0.610349061208885
19	1	1.38155734300666	-0.381557343006658
20	2	1.61034906120888	0.389650938791115
21	2	1.61034906120888	0.389650938791115
22	1	1.53408515514148	-0.534085155141476
23	2	1.61034906120888	0.389650938791115
24	2	1.52754928923596	0.472450710764038
25	2	1.45128538316855	0.548714616831447
26	2	1.45782124907407	0.542178750925933
27	2	1.60381319530337	0.396186804696629
28	2	1.68007710137078	0.31992289862922
29	1	1.68007710137078	-0.68007710137078
30	1	1.45782124907407	-0.457821249074067
31	2	1.61034906120888	0.389650938791115
32	1	1.61034906120889	-0.610349061208885
33	2	1.53408515514148	0.465914844858524
34	2	1.61034906120888	0.389650938791115
35	2	1.45782124907407	0.542178750925933
36	1	1.61034906120889	-0.610349061208885
37	2	1.68661296727629	0.313387032723706
38	1	1.53408515514148	-0.534085155141476
39	1	1.61034906120889	-0.610349061208885
40	2	1.68007710137078	0.31992289862922
41	1	1.60381319530337	-0.603813195303371
42	2	1.68661296727629	0.313387032723706
43	2	1.61034906120888	0.389650938791115
44	1	1.38155734300666	-0.381557343006658
45	1	1.45782124907407	-0.457821249074067
46	2	1.53408515514148	0.465914844858524
47	2	1.52754928923596	0.472450710764038
48	1	1.38155734300666	-0.381557343006658
49	2	1.53408515514148	0.465914844858524
50	2	1.53408515514148	0.465914844858524
51	1	1.45782124907407	-0.457821249074067
52	1	1.53408515514148	-0.534085155141476
53	2	1.22902953087184	0.77097046912816
54	2	1.37502147710114	0.624978522898856
55	2	1.38155734300666	0.618442656993342
56	1	1.45782124907407	-0.457821249074067
57	1	1.38155734300666	-0.381557343006658
58	1	1.68661296727629	-0.686612967276294
59	1	1.30529343693925	-0.305293436939249
60	1	1.45782124907407	-0.457821249074067
61	1	1.30529343693925	-0.305293436939249
62	2	1.53408515514148	0.465914844858524
63	2	1.61034906120888	0.389650938791115
64	2	1.61034906120888	0.389650938791115
65	2	1.61034906120888	0.389650938791115
66	1	1.61034906120889	-0.610349061208885
67	2	1.61034906120888	0.389650938791115
68	2	1.61034906120888	0.389650938791115
69	1	1.61034906120889	-0.610349061208885
70	1	1.45782124907407	-0.457821249074067
71	1	1.45782124907407	-0.457821249074067
72	2	1.53408515514148	0.465914844858524
73	1	1.61034906120889	-0.610349061208885
74	1	1.61034906120889	-0.610349061208885
75	1	1.68661296727629	-0.686612967276294
76	1	1.61034906120889	-0.610349061208885
77	2	1.68007710137078	0.31992289862922
78	1	1.61034906120889	-0.610349061208885
79	2	1.38155734300666	0.618442656993342
80	2	1.53408515514148	0.465914844858524
81	2	1.61034906120888	0.389650938791115
82	2	1.45782124907407	0.542178750925933
83	1	1.53408515514148	-0.534085155141476
84	2	1.61034906120888	0.389650938791115
85	2	1.61034906120888	0.389650938791115
86	1	1.38155734300666	-0.381557343006658
87	2	1.61034906120888	0.389650938791115
88	2	1.53408515514148	0.465914844858524
89	1	1.61034906120889	-0.610349061208885
90	1	1.45782124907407	-0.457821249074067
91	2	1.68661296727629	0.313387032723706
92	2	1.53408515514148	0.465914844858524
93	2	1.61034906120888	0.389650938791115
94	1	1.61034906120889	-0.610349061208885
95	2	1.61034906120888	0.389650938791115
96	1	1.75634100743819	-0.75634100743819
97	2	1.61034906120888	0.389650938791115
98	1	1.61034906120889	-0.610349061208885
99	1	1.61034906120889	-0.610349061208885
100	2	1.61034906120888	0.389650938791115
101	2	1.30529343693925	0.694706563060751
102	1	1.45782124907407	-0.457821249074067
103	2	1.45782124907407	0.542178750925933
104	2	1.61034906120888	0.389650938791115
105	1	1.53408515514148	-0.534085155141476
106	1	1.61034906120889	-0.610349061208885
107	1	1.61034906120889	-0.610349061208885
108	1	1.37502147710114	-0.375021477101144
109	2	1.68661296727629	0.313387032723706
110	1	1.22902953087184	-0.229029530871840
111	1	1.45782124907407	-0.457821249074067
112	1	1.22902953087184	-0.229029530871840
113	1	1.61034906120889	-0.610349061208885
114	2	1.61034906120888	0.389650938791115
115	1	1.61034906120889	-0.610349061208885
116	2	1.68661296727629	0.313387032723706
117	1	1.61034906120889	-0.610349061208885
118	2	1.45782124907407	0.542178750925933
119	2	1.45782124907407	0.542178750925933
120	1	1.61034906120889	-0.610349061208885
121	1	1.60381319530337	-0.603813195303371
122	2	1.68661296727629	0.313387032723706
123	2	1.45782124907407	0.542178750925933
124	1	1.45782124907407	-0.457821249074067
125	2	1.61034906120888	0.389650938791115
126	2	1.68661296727629	0.313387032723706
127	2	1.53408515514148	0.465914844858524
128	2	1.61034906120888	0.389650938791115
129	1	1.68007710137078	-0.68007710137078
130	2	1.61034906120888	0.389650938791115
131	2	1.53408515514148	0.465914844858524
132	2	1.68661296727629	0.313387032723706
133	2	1.45782124907407	0.542178750925933
134	1	1.61034906120889	-0.610349061208885
135	1	1.61034906120889	-0.610349061208885
136	2	1.68661296727629	0.313387032723706
137	2	1.61034906120888	0.389650938791115
138	2	1.61034906120888	0.389650938791115
139	2	1.53408515514148	0.465914844858524
140	1	1.53408515514148	-0.534085155141476
141	2	1.53408515514148	0.465914844858524
142	2	1.61034906120888	0.389650938791115
143	2	1.68007710137078	0.31992289862922
144	1	1.75634100743819	-0.75634100743819
145	1	1.45782124907407	-0.457821249074067
146	2	1.61034906120888	0.389650938791115
147	2	1.61034906120888	0.389650938791115
148	2	1.68661296727629	0.313387032723706
149	1	1.61034906120889	-0.610349061208885
150	2	1.68661296727629	0.313387032723706
151	2	1.52754928923596	0.472450710764038
152	2	1.61034906120888	0.389650938791115
153	1	1.45782124907407	-0.457821249074067
154	1	1.45782124907407	-0.457821249074067
155	2	1.68661296727629	0.313387032723706
156	1	1.45782124907407	-0.457821249074067
157	2	1.75634100743819	0.243658992561811

Goldfeld-Quandt test for Heteroskedasticity
p-values	Alternative Hypothesis
breakpoint index	greater	2-sided	less
6	0.828074392254746	0.343851215490509	0.171925607745255
7	0.852655999723854	0.294688000552293	0.147344000276146
8	0.765158739234083	0.469682521531834	0.234841260765917
9	0.707641131136473	0.584717737727055	0.292358868863527
10	0.713532969730992	0.572934060538016	0.286467030269008
11	0.730933804071326	0.538132391857349	0.269066195928674
12	0.742469445158622	0.515061109682757	0.257530554841378
13	0.792832324035614	0.414335351928772	0.207167675964386
14	0.781881430497189	0.436237139005622	0.218118569502811
15	0.750212863119846	0.499574273760307	0.249787136880154
16	0.70735764344756	0.58528471310488	0.29264235655244
17	0.655614756531764	0.688770486936472	0.344385243468236
18	0.6823361977779	0.635327604444199	0.317663802222099
19	0.637599337183428	0.724801325633145	0.362400662816572
20	0.613343512624439	0.773312974751122	0.386656487375561
21	0.584122456816826	0.831755086366348	0.415877543183174
22	0.585158659864497	0.829682680271006	0.414841340135503
23	0.557160194106794	0.885679611786413	0.442839805893206
24	0.537072131084912	0.925855737830175	0.462927868915088
25	0.519021110302202	0.961957779395595	0.480978889697798
26	0.543129959744731	0.913740080510537	0.456870040255269
27	0.490555258976457	0.981110517952914	0.509444741023543
28	0.434928388629526	0.869856777259051	0.565071611370474
29	0.565335905097156	0.869328189805688	0.434664094902844
30	0.553119038624852	0.893761922750295	0.446880961375148
31	0.528855477338748	0.942289045322504	0.471144522661252
32	0.559231931060304	0.881536137879392	0.440768068939696
33	0.554548881005586	0.890902237988829	0.445451118994414
34	0.530601163589491	0.938797672821017	0.469398836410509
35	0.540124352808699	0.919751294382603	0.459875647191301
36	0.572236496936874	0.855527006126252	0.427763503063126
37	0.537479978445643	0.925040043108714	0.462520021554357
38	0.547198534964266	0.905602930071468	0.452801465035734
39	0.573173979122673	0.853652041754655	0.426826020877327
40	0.533124405293129	0.933751189413742	0.466875594706871
41	0.57881412257553	0.842371754848939	0.421185877424469
42	0.547755130622032	0.904489738755937	0.452244869377968
43	0.52717353547312	0.94565292905376	0.47282646452688
44	0.501759293544601	0.996481412910797	0.498240706455399
45	0.489020739242466	0.978041478484932	0.510979260757534
46	0.485709185637246	0.971418371274491	0.514290814362754
47	0.475888297741228	0.951776595482455	0.524111702258772
48	0.449341641527725	0.89868328305545	0.550658358472275
49	0.445968463964824	0.891936927929649	0.554031536035176
50	0.441182716224001	0.882365432448001	0.558817283776
51	0.430920727995411	0.861841455990822	0.569079272004589
52	0.438098640169998	0.876197280339996	0.561901359830002
53	0.523644197796264	0.952711604407472	0.476355802203736
54	0.548875421878195	0.90224915624361	0.451124578121805
55	0.574854432040124	0.850291135919752	0.425145567959876
56	0.569599394474615	0.86080121105077	0.430400605525385
57	0.550911175226353	0.898177649547294	0.449088824773647
58	0.592291146057712	0.815417707884575	0.407708853942287
59	0.563311801306633	0.873376397386734	0.436688198693367
60	0.554527304292519	0.890945391414962	0.445472695707481
61	0.523517655989388	0.952964688021225	0.476482344010612
62	0.521651521364322	0.956696957271356	0.478348478635678
63	0.505532005720026	0.988935988559947	0.494467994279974
64	0.488576068823569	0.977152137647137	0.511423931176431
65	0.470953884967462	0.941907769934924	0.529046115032538
66	0.496503660679227	0.993007321358454	0.503496339320773
67	0.479185931572225	0.95837186314445	0.520814068427775
68	0.461387810163727	0.922775620327454	0.538612189836273
69	0.487264128886065	0.97452825777213	0.512735871113935
70	0.479445675422463	0.958891350844925	0.520554324577537
71	0.471718025190332	0.943436050380665	0.528281974809668
72	0.46796686314583	0.93593372629166	0.53203313685417
73	0.493210154019466	0.986420308038932	0.506789845980534
74	0.51814422619978	0.96371154760044	0.48185577380022
75	0.56269029580342	0.87461940839316	0.43730970419658
76	0.587753774232109	0.824492451535783	0.412246225767891
77	0.573286225036614	0.853427549926773	0.426713774963386
78	0.599788901345778	0.800422197308444	0.400211098654222
79	0.630107949816689	0.739784100366623	0.369892050183311
80	0.627656383291121	0.744687233417758	0.372343616708879
81	0.612146282282426	0.775707435435148	0.387853717717574
82	0.624881772627512	0.750236454744977	0.375118227372488
83	0.633648854763938	0.732702290472124	0.366351145236062
84	0.617496077515962	0.765007844968076	0.382503922484038
85	0.600747728950046	0.798504542099907	0.399252271049954
86	0.581056626843424	0.837886746313153	0.418943373156576
87	0.563456173366885	0.87308765326623	0.436543826633115
88	0.559194820254961	0.881610359490078	0.440805179745039
89	0.588175883963552	0.823648232072897	0.411824116036448
90	0.582326773651515	0.83534645269697	0.417673226348485
91	0.553209314533477	0.893581370933046	0.446790685466523
92	0.54800552369821	0.90398895260358	0.45199447630179
93	0.529075365099282	0.941849269801437	0.470924634900718
94	0.55961678566521	0.88076642866958	0.44038321433479
95	0.540174703890512	0.919650592218975	0.459825296109488
96	0.587664847857016	0.824670304285969	0.412335152142984
97	0.568227993571607	0.863544012856786	0.431772006428393
98	0.598752606793483	0.802494786413034	0.401247393206517
99	0.631348702708317	0.737302594583366	0.368651297291683
100	0.610897329857732	0.778205340284535	0.389102670142268
101	0.672441630409219	0.655116739181561	0.327558369590781
102	0.664211214579592	0.671577570840817	0.335788785420409
103	0.679959697106728	0.640080605786544	0.320040302893272
104	0.660578330391133	0.678843339217735	0.339421669608867
105	0.670219392613804	0.659561214772392	0.329780607386196
106	0.705786102428152	0.588427795143696	0.294213897571848
107	0.743568054544728	0.512863890910545	0.256431945455272
108	0.715981936489092	0.568036127021815	0.284018063510907
109	0.682765752800883	0.634468494398234	0.317234247199117
110	0.640406733817374	0.719186532365252	0.359593266182626
111	0.634122536570409	0.731754926859182	0.365877463429591
112	0.590449443326255	0.81910111334749	0.409550556673745
113	0.638793703081978	0.722412593836043	0.361206296918022
114	0.610963007571918	0.778073984856164	0.389036992428082
115	0.663783675830687	0.672432648338626	0.336216324169313
116	0.624074143529701	0.751851712940597	0.375925856470299
117	0.682999293272058	0.634001413455884	0.317000706727942
118	0.690848095238701	0.618303809522597	0.309151904761299
119	0.706168541248366	0.587662917503268	0.293831458751634
120	0.767041158582768	0.465917682834465	0.232958841417232
121	0.763883131284919	0.472233737430162	0.236116868715081
122	0.72402406746579	0.551951865068421	0.275975932534210
123	0.744298539596574	0.511402920806852	0.255701460403426
124	0.735024638261503	0.529950723476994	0.264975361738497
125	0.702238302176771	0.595523395646458	0.297761697823229
126	0.655077251615435	0.68984549676913	0.344922748384565
127	0.64253219538196	0.714935609236081	0.357467804618041
128	0.605935810696282	0.788128378607437	0.394064189303718
129	0.660376446264991	0.679247107470018	0.339623553735009
130	0.624280143133447	0.751439713733105	0.375719856866553
131	0.617585358027567	0.764829283944866	0.382414641972433
132	0.562842207493227	0.874315585013546	0.437157792506773
133	0.616773505449247	0.766452989101505	0.383226494550753
134	0.680179084656431	0.639641830687138	0.319820915343569
135	0.758208848787327	0.483582302425346	0.241791151212673
136	0.701144258633052	0.597711482733897	0.298855741366948
137	0.657210316536622	0.685579366926756	0.342789683463378
138	0.612440188215827	0.775119623568345	0.387559811784173
139	0.621742955318374	0.756514089363252	0.378257044681626
140	0.624856072960795	0.750287854078409	0.375143927039205
141	0.636945857818893	0.726108284362214	0.363054142181107
142	0.597312589821825	0.80537482035635	0.402687410178175
143	0.540738061666943	0.918523876666113	0.459261938333057
144	0.899168381896514	0.201663236206972	0.100831618103486
145	0.853037882133746	0.293924235732508	0.146962117866254
146	0.828690479246537	0.342619041506926	0.171309520753463
147	0.813339531922743	0.373320936154515	0.186660468077257
148	0.73550333255281	0.52899333489438	0.26449666744719
149	0.846831090967019	0.306337818065963	0.153168909032981
150	0.739665328430983	0.520669343138034	0.260334671569017
151	0.958156331427024	0.0836873371459514	0.0418436685729757

Meta Analysis of Goldfeld-Quandt test for Heteroskedasticity
Description	# significant tests	% significant tests	OK/NOK
1% type I error level	0	0	OK
5% type I error level	0	0	OK
10% type I error level	1	0.00684931506849315	OK