[
  {
    "test": "H1: Discipline -> Savings Rate",
    "status": "OK",
    "n_high": 408,
    "n_low": 396,
    "mean_high": 0.2156562487262218,
    "mean_low": 0.08873300775086768,
    "direction": "high > low",
    "expected": "high > low",
    "direction_correct": 1,
    "U": 144365.0,
    "p_value": 4.214938713804436e-83,
    "cohens_d": 1.7364569184587602,
    "rank_biserial_r": -0.7870494157258863
  },
  {
    "test": "H2: Mercuriality -> Emotional Reactivity",
    "status": "OK",
    "n_high": 321,
    "n_low": 344,
    "mean_high": 0.649576323987539,
    "mean_low": 0.12611046511627907,
    "direction": "high > low",
    "expected": "high > low",
    "direction_correct": 1,
    "U": 110250.0,
    "p_value": 1.1906099085296872e-110,
    "cohens_d": 5.314606190333921,
    "rank_biserial_r": -0.9968485111932188
  },
  {
    "test": "H3: Sociability -> Relationship Network Size",
    "status": "OK",
    "n_high": 398,
    "n_low": 408,
    "mean_high": 6.173366834170854,
    "mean_low": 2.5686274509803924,
    "direction": "high > low",
    "expected": "high > low",
    "direction_correct": 1,
    "U": 135082.0,
    "p_value": 3.266349378890319e-64,
    "cohens_d": 1.5470487355565576,
    "rank_biserial_r": -0.6637353433835846
  },
  {
    "test": "H4: Impulsivity -> Impulse Spending Ratio",
    "status": "OK",
    "n_high": 391,
    "n_low": 408,
    "mean_high": 0.3001583801791448,
    "mean_low": 0.20420699189614347,
    "direction": "high > low",
    "expected": "high > low",
    "direction_correct": 1,
    "U": 120231.0,
    "p_value": 2.3467406291473002e-35,
    "cohens_d": 0.9413536551968233,
    "rank_biserial_r": -0.5073341357003158
  },
  {
    "test": "H5: Acuity -> Credit Score",
    "status": "OK",
    "n_high": 395,
    "n_low": 410,
    "mean_high": 3.617721518987342,
    "mean_low": 3.3585365853658535,
    "direction": "high > low",
    "expected": "high > low",
    "direction_correct": 1,
    "U": 90862.0,
    "p_value": 0.001159184157971617,
    "cohens_d": 0.22353313336401517,
    "rank_biserial_r": -0.12209941339919728
  },
  {
    "test": "H6: Novelty -> Experience Seeking",
    "status": "OK",
    "n_high": 426,
    "n_low": 400,
    "mean_high": 0.6305138236828378,
    "mean_low": 0.5595375,
    "direction": "high > low",
    "expected": "high > low",
    "direction_correct": 1,
    "U": 106411.5,
    "p_value": 5.983593635871108e-10,
    "cohens_d": 0.44076828054151246,
    "rank_biserial_r": -0.24896126760563386
  },
  {
    "test": "H7: Candour -> Brand Loyalty",
    "status": "OK",
    "n_high": 407,
    "n_low": 390,
    "mean_high": 0.7248765612629249,
    "mean_low": 0.7151281723262494,
    "direction": "high > low",
    "expected": "high > low",
    "direction_correct": 1,
    "U": 89233.5,
    "p_value": 0.002382152632399173,
    "cohens_d": 0.21402324221931104,
    "rank_biserial_r": -0.12434322434322431
  },
  {
    "test": "H8: Yielding -> Institutional Trust",
    "status": "OK",
    "n_high": 341,
    "n_low": 321,
    "mean_high": 0.6083724340175953,
    "mean_low": 0.5688061860258122,
    "direction": "high > low",
    "expected": "high > low",
    "direction_correct": 1,
    "U": 70113.0,
    "p_value": 3.8354263640370167e-10,
    "cohens_d": 0.54137859275888,
    "rank_biserial_r": -0.28105900731767486
  },
  {
    "test": "H9: Impulsivity -> Price Sensitivity (inv)",
    "status": "OK",
    "n_high": 391,
    "n_low": 408,
    "mean_high": 0.5663427109974425,
    "mean_low": 0.7210294117647059,
    "direction": "low > high",
    "expected": "low > high",
    "direction_correct": 1,
    "U": 45557.5,
    "p_value": 5.966274712555617e-26,
    "cohens_d": -0.7801300851461173,
    "rank_biserial_r": 0.4288463467228324
  },
  {
    "test": "H10: D+I Interaction -> Savings",
    "status": "OK",
    "n_high": 157,
    "n_low": 159,
    "mean_high": 0.22386519720596754,
    "mean_low": 0.06978878887911225,
    "direction": "high > low",
    "expected": "high > low",
    "direction_correct": 1,
    "U": 23666.0,
    "p_value": 3.735638605746068e-43,
    "cohens_d": 2.2661845448603724,
    "rank_biserial_r": -0.8960862075872291
  }
]