이렇듯 선택편의가 학력과 전공계열에 대해서는 선택편의가 관측되어 그보정이 정확한 프리미엄 추정에 중요한 역할을 함을 확인하였다.
As such, it was confirmed that the selection convenience was observed for the educational background and major field, and that correction played an important role in accurate premium estimation.