Thanks. Been a while since I did any research that required me to work with R-sqd.

One small thing - the term "irrationality" is something of a pet peeve of mine. It implies an objective viewpoint of "what is good for me." However, people act according to a subjective perception of rationality. Emotion and culture also influence decision making.

When other people act differently than we think they should, we (Americans and American military types especially) tend to dismiss the behavior as irrationality, or worse, stupidity.

The truth is that everyone has good reasons for acting the way they do according to their individual perceptions. Its our job to figure out why they do what they do.