DIM.	STD. LOADING	P.	SMC	CR	AVE	Discriminate validity
DIM.	STD. LOADING	P.	SMC	CR	AVE	S1	S2	S3
S1	0.820~0.878	^***	0.672~0.771	0.923	0.705	0.840
S2	0.730~0.900	^***	0.533~0.810	0.887	0.664	0.661	0.815
S3	0.736~0.835	^***	0.542~0.697	0.815	0.596	0.922	0.716	0.772