Variable | Estimate | Std. Error | z value | Pr(>|z|)

lag(Z_Scores, 1) | 0.91975 | 0.06753 | 13.6191 | < 2e-16 ***

IQ | 0.07294 | 0.03546 | 2.0568 | 0.0397 *

CGG | -0.44392 | 0.28060 | -1.5821 | 0.1136

BA | 0.00499 | 0.00635 | 0.7856 | 0.4321

BSC | 0.01490 | 0.03249 | 0.4587 | 0.6465

BCIR | -0.00632 | 0.01053 | -0.6002 | 0.5484

GDP | -0.00001724 | 0.00002790 | -0.6182 | 0.5365

If1 | 0.0008158 | 0.001795 | 0.4544 | 0.6495

ER | -0.02613 | 0.05997 | -0.4358 | 0.6630

RIR | 0.01244 | 0.00924 | 1.3468 | 0.1780

BC | 0.00363 | 0.00329 | 1.1026 | 0.2702